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Reconnect Your Staff and Restore Culture Through Philanthropy



With 2022 around the corner and office reentry picking up pace comes an opportunity to strengthen the bonds among your reunited team.


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Terms of the Trade: 5 Concepts You Need to Understand Before You Start Forex Trading



Even if you’re relatively new to stock trading, you’ve likely heard people talk about forex trading. The term “forex” is an abbreviation for “foreign exchange,” and it refers to the practice of trading foreign currencies.

Forex traders attempt to take advantage of the fact that global currencies often fluctuate in relative value. For example, if a forex trader starts in U.S. dollars but believes that the dollar is expected to weaken relative to the euro, he or she will exchange dollar funds for euro funds. The hope is that those funds can be exchanged back for more dollars than the original amount at some point in the future.

5 Terms To Memorize

1. Exchange Rate

Forex traders often watch a set of numbers called “exchange rates.” An exchange rate is the rate at which one currency can be exchanged for another currency. A currency like the U.S. dollar has …

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Citi Double Cash Card Changes As of March 2022



Some changes are coming to the Citi® Double Cash Card as of this spring. For most people the implications here shouldn’t be huge, but I’d still say these are positive developments overall.

Why the Citi Double Cash Card is awesome

For those not familiar with the Citi Double Cash Card (review), the no annual fee card offers 1% cash back when you make a purchase, and 1% cash back when you pay for that purchase.

What makes this card so great is that in conjunction with a card earning ThankYou points, like the Citi Premier® Card (review), the cash back rewards can be converted into ThankYou points. This conversion happens at the rate of one cent per point, meaning you can earn 2x Citi ThankYou points per dollar spent, which I value at a 3.4% return. That makes this one of the best cards for everyday spending.

Citi Double Cash Card changes as of March 2022

Changes are coming to the Citi Double Cash Card as of late March 2022. Here are the details:

Currently there’s a $25 minimum to redeem rewards, while there will soon be no minimum cash back balance required to redeem rewards; this is good for those who have the card but don’t spend all that muchThe card will earn ThankYou points rather than cash back; that means you’ll earn one ThankYou point when you make a purchase, and one ThankYou point when you pay for that purchaseYou’ll continue to have the option to redeem rewards as cash back at the same rate, but you’ll also have access to other Citi ThankYou redemption options, including for gift cards, for booking flights and hotels, and more

For those maximizing rewards, the implications here are fairly limited:

While the Citi Double Cash Card will earn ThankYou points, those points can’t be converted into airline miles or hotel points unless you have a “premium” card earning ThankYou points in conjunction with itAside from being able to transfer points to airline & hotel partners, most other Citi ThankYou redemptions offer at most one cent of value per point, in which case you’re better off just getting cash that you can spend however you’d likeIn theory this could be useful if you wanted to downgrade another card earning Citi ThankYou points as this would allow you to maintain your points, though the points still expire 60 days after you close an account, and there’s not really any benefit to keeping those points rather than cashing them out

Bottom line

Changes are coming to the Citi Double Cash Card as of late March 2022. Ultimately I’d say these adjustments are more about marketing than anything else. The card will earn ThankYou points rather than cash rewards, though those ThankYou points can be redeemed at the same rate as before towards statement credits, cash back, etc.

I suppose the goal is to market this as a more versatile card that can earn travel and other rewards, rather than just a cash back card. This seem to be about better integrating the Citi Double Cash into the ThankYou ecosystem, though you still won’t be able to transfer points to ThankYou partners unless you also have another premium card earning ThankYou points.

What do you make of these Citi Double Cash Card changes?


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Omicron Is an Imminent Threat. Let’s Treat It That Way.




On Dec. 28, Emory University announced that the first three weeks of the semester will be online and encouraged students to delay their return to campus after this remote period. This came as no surprise, as institutions like Harvard University (Mass.), Columbia University (N.Y.), Duke University (N.C.) and Georgetown University (D.C.), had published similar plans in the days prior. 

While this decision should ideally reduce COVID-19 cases on campus, literature about the new Omicron variant’s mild symptoms will likely encourage Emory students to continue to gather in large groups and plan early returns to Atlanta. This not only risks the safety and well-being of others in the Emory community but also decreases the likelihood of a normal spring semester. To some, Omicron may not seem like a major threat, but developing research shows that the coronavirus is still spreading much faster than ever. In everyone’s best interest, delay your return to campus or limit your social gatherings as much as possible in the coming weeks. 

Studies show the mildness of the new variant isn’t as straightforward as it seems. The Omicron variant invades our cells differently compared to Delta or the original coronavirus. In studies on mice and hamsters, Omicron produced infections limited to the upper airways including the nose, throat and windpipe, but lungs were largely spared. As a result, the infection is less severe, highlighting why we are likely seeing less deaths from this variant of the coronavirus. The severe shortness of breath, chest pain and loss of taste or smell characteristic of previous variants is not reported in Omicron patients. 

Earlier studies from November 2020 show previous COVID-19 variants causing irreversible lung damage and scarring upon infection. Because Omicron does not replicate as well in the lungs, it has a much lower chance of causing permanent damage, and thus does not result in as many severe hospitalizations. Though these results may seem promising, the large majority of early Omicron infections were young people already less susceptible to severe illness from the virus. Other groups affected already had significant immunity from vaccinations or previous exposure to COVID-19, meaning the decrease in deaths we’re seeing might not be entirely reflective of the true dangers of  the variant. Though college students are recovering more quickly from Omicron, that does not mean that we can’t spread this variant to other high-risk members of the Emory community.

Another recent study from researchers at the University of Hong Kong in humans reinforced the theory that Omicron has faster and enhanced viral replication efficiency in the upper airways but slower spread within the lungs. This can be an indication as to why the new variant may seem less severe than Delta or the original variant, as it doesn’t cause the same chronic effects of other variants. Regardless, if the virus replicates faster in the upper airways, it can linger in the throat and nose for longer and has a much greater likelihood of being transmitted into the surrounding air and invading new hosts. Additionally, Omicron’s increased ability to evade antibodies of vaccinated individuals compared to other variants can be another explanation for its rapid spread. Omicron patients also report coughing, congestion, fatigue and a runny nose, symptoms shared by any other cold or flu-like illness that can spread around this time. Because the new variant spreads quickly and is fairly indiscriminable from other seasonal illnesses, Emory students must continue to get tested, wear their masks and properly isolate themselves if infected.

Though COVID-19 related deaths have decreased significantly since vaccines became available to the public, nearly a quarter million people have died in the U.S. during the past eight months. The daily case average has increased by 202% in the last two weeks, along with a 30% increase in hospitalizations. Although many Americans are vaccinated and have received boosters, COVID-19 remains an imminent threat. Young people are still vaccinated at lower rates compared to other groups. Further, hospitals in states like Rhode Island continue to struggle with staffing shortages and decreased bed availability in their emergency rooms. A small percentage of Emory students, faculty and staff remain unvaccinated, and to protect those individuals, we must continue to wear masks and social distance appropriately. 

If you’re currently not vaccinated and do not have a compelling reason to forgo the immunization, get your vaccine to help others in imminent need of care receive the treatment they rightfully deserve. 

Omicron is undeniably powerful. Doctors, nurses, PAs and other clinicians wearing their masks religiously and maintaining proper social distancing protocol are being infected at tremendous rates. Several physicians I know, including family members, have tested positive, leaving patients worried about their own health and unable to access the care they need. 

This past year has provided us with invaluable tools to protect ourselves from the coronavirus. However, we can’t deny that there will be more variants of the coronavirus, and with limited information being released, we still need to remain alert and follow public health guidelines. Though three weeks of virtual classes may seem unnecessary, it may be all we need to avoid the peak in Omicron cases nationally and return to an in-person semester. 

For the sake of your peers and for a chance to have a more normal school year, take this remote period seriously. Limit your social interactions to those who you know are being safe during this time. Take precautions such as wearing your mask properly indoors and staying home if you’re feeling ill. This may seem like a painful reminder of March 2020, but the sooner we take this peak seriously, the faster we can control this outbreak.

Sara Khan (23C) is from Fairfax, Virginia.

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