11 30 15

The Oracle M O N D AY, N O V E M B E R 3 0 , 2 0 1 5 I V O L . 5 3 N O. 5 4

Inside this Issue

The Index

News.................................................................1 classifieds..............................................7 Opinion.......................................................6 Crossword.........................................7 sports............................................................8

w w w. u s fo r a c l e. co m

U N I V E R S I T Y O F S O U T H F LO R I DA

Apps bring banking to phones, millennials

By Miki Shine C O - N E W S

O PINIO N

Why Trump can’t #MakeAmericaGreatAgain.

Page 4

Montage

S PORTS USF earns resounding win over rival Central Florida, denied shot at AAC title.

BACK

E D I T O R

Investing is no longer an old man’s game. With the help of several app developers with the unified goal of introducing millennials to the world of finance, the transition is clearer than ever.

Of millennials, 93 percent report a distrust of financial markets and a lack of knowledge about investing, which lead to them feeling less confident and less likely to invest, according to a Capital One ShareBuilder survey. An article in CNN attributed this distrust to the 2008 financial crisis, intimidation by fees and a lack of transparency.

However, several apps designed to ease the tension for young investors have been making a splash on campus. From Acorns, which rounds up purchases to the next dollar and invests the change in stocks, to Pennies to Digit, developing technology hopes to revolutionize how millennials handle their finances.

“For younger people, it’s an easy-to-use, nice-looking interface,” Claes Bell, a mobile analyst at Bankrate.com, said. “I think it’s convenience, something they

As studies reveal how millennials lack an interest and knowledge of investing, apps work to make the process easier to navigate on a familiar platform. ORACLE PHOTO/ADAM MATHIEU can use quickly and be finished of father and son team Walter users invest monthly on averwith and receive a benefit over and Jeff Cruttenden. age, $55 comes from automated The app links with credit or withdrawals using the rounding time. So they know if they’re putting effort into a budgeting debit cards to track spending and algorithm. app or something. … They’re automatically round purchases “One of the beautiful things going to have useful information up to the next dollar. That spare about Acorns is that we’ve made about what they’re spending their change turns into stocks, and it really easy,” Taylor Dance, a members are also able to sched- campus program manager for money on.”

Among the most common of ule deposits as well. In an article Acorns in an interview with the these apps is Acorns, the product in Fortune, Jeff said of the $100 n See FINANCE on PAGE 3

Sleep disorders common on college campuses

By Abby Rinaldi C O - N E W S

E D I T O R

USF is entering the last week of classes before finals week, a time of higher stress levels and less sleep. Some students will pull all-nighters studying notes, finishing projects or writing essays either at home or in the USF library, which is open 24/7 during finals.

An article on collegestats. org stated all-nighters are “an accepted part of surviving college,” but warns against the effects of losing sleep. A simple Google search of keywords “sleep” and “finals” generates a slew of articles providing advice on how to get sleep dur-

ing finals, or at the very least how to recover at the end of it.

However, sleep deprivation isn’t always associated with finals week. For college students, sleepiness is not a rare feeling, and it may be linked to a prevalence of risk for sleep disorders in college students.

On Nov. 27, USF Health Morsani College of Medicine professor Dr. W. Mcdowell Anderson wrote an article for the Tampa Tribune about insomnia, focusing on how it affects certain age groups (mainly the elderly), the medicine used for it and the importance of sleep.

The problem isn’t as small as some might think — about 30 percent of adults show symp-

toms of insomnia, according to the American Academy of Sleep Medicine (AASM). Anderson said in the article that insomnia affects 15 percent of the adult population.

“The brains in those of us who can’t sleep may be programmed differently than efficient sleepers,” Anderson said in the article. “As a result, we wake up more often and can’t get back to sleep because of excessive worry, racing thoughts and attention to arousing events (TV, cell phones, computers, a neighbor’s barking dog, family up late).”

Anderson said insomniacs can develop “unhealthy habits” to deal with the disorder like staying up late until they

become excessively tired, drinking alcohol or using sleep aids. Besides these habits, sufferers of insomnia or other sleep-related disorders are at high risk for other health problems.

“We may not necessarily assume that a young, generally healthy population would be equally at risk, but maybe they are,” associate professor of psychology of the University of North Carolina Jane Gaultney said in an interview with Medscape Neurology.

“And since risks for things like high blood pressure, heart attacks, and strokes can be associated with sleep problems, it’s probably important to

n See SLEEP on PAGE 3

2

M O N DAY, N O V E M B E R 3 0 , 2 0 1 5

Writers, editors, photographers wanted: The Oracle is looking to hire writers, editors and photographers. Experience a plus, not required. Must be willing to learn.

Weekly meetings Mondays at 5 p.m. in SVC 0002. See our Facebook page for video directions. For more information contact the editor at oracleeditor@gmail.com.

â—?

T H E   O R AC L E

M O N DAY, N O V E M B E R 3 0 , 2 0 1 5

●

Wired said.

“This kind of user doesn’t need Continued from PAGE 1 charts or digital ledger balances, he just needs to know if buying that new pair of shoes is going to Crimson White. “We do all the blow his weekly budget or not.” hard work for you, so the investAnother option for the adoments and your portfolio will be lescent investor is the app Digit, automatically balanced … we which provides a slightly subtler allow you to save and invest in approach. the background of life.”

Digit connects to the The app matches “How secure are they? Can I user’s bank account, evaleach user with one of six trust them with my account uates his or her spendinvesting profiles based ing habits with an algoon a series of questions information? I prefer to not rithm and removes small, about the person’s investamounts ing goals. Each profile worry about that all the time.” “unnoticeable” of money from the user’s was influenced by Nobel bank account into a savPrize winning economist Simon Zhen ings account the app creDr. Harry Markowitz and Huffington Post columnist ates for the user in partranges from conservative nership with the bank. The to aggressive risk. in tracking expenses. Pennies While Acorns usually costs $1 allows the user to set up bud- account can be accessed at any a month, it became completely gets and input the money he time. Users can also manually free for students in April when it or she spends. It displays the set amounts to be withdrawn at was only eight months old and amount of money the user can regular times.

“But what appears to have gothad 80 employees with 650,000 still spend and stay within the members. Three-quarters of users budget. However, it does not say ten some people boggled was were under 35. where the money is being spent the fact that the users don’t earn Another popular option for or links with a bank account, any interest on their savings,” young adults interested in invest- which means it has to be input Business Insider said of the app.

“Instead, Digit takes all the intering is Pennies, designed by Emile manually.

Bennett.

“The prototypical Pennies user est that accrues and spends it on A freshman majoring in music is young — no family or kids — its operating costs.

“Its logic: users get free access studies and criminology, Heather has a steady income, and has Headrick became interested in pretty straightforward recurring to Digit and save money they budgeting while completing the expenses, like rent and bills and normally would have spent elsefinancial literacy class required of beer,” a review of the app in where.”

FINANCE

SLEEP

3

T H E O R AC L E

all USF freshmen.

“I never really thought about doing that before but taking that course before I took my classes really got me thinking about how much money I was actually spending,” she said.

She said this interest led her to the Pennies app, which aids users

reported suffering from insomnia within the past 3 months, and over half reported feeling sleepy during the morning.”

A 2007 study across southeastern state universities found 27 percent of the college students surveyed showed risk for at least one sleep disorder, with narcolepsy and insomnia being the two most frequent.

Regarding students’ GPAs,

the information through shortterm memory for a test the next Continued from PAGE 1 day, but you will most likely have to re-learn the material for a later cumulative exam,” Brown figure out when that starts.”

University Health Promotion In college students, sleep disstated. orders and sleep deprivation can There are various kinds of lead to binging on sleep during insomnia and of sleep disorthe weekends, which statistics ders. One such type is adjustshow is becoming a widespread ment insomnia, often caused by phenomenon. stress lasting for a short period According to Health Research of time. According to Funding, “Another online survey found “... studies indicate that the one-year the AASM, “studies indicate that the onethat many students ‘crash’ on the week- prevalence of adjustment insomnia year prevalence of insomnia ends, sleeping more among adults is likely to be in the adjustment among adults is likely than 8 hours. … 28 to be in the range of percent sleep more range of 15-20 percent.”

15-20 percent.” than 10 hours on Another type of weekends.”

American Academy of Sleep Medicine insomnia is psychoH o w e v e r , physiological insomAnderson did not mention in the study found students with his article the scope of sleep higher GPAs showed little to no nia, stemming from anxiety over deprivation and sleep disorders risk. There may be other aca- lack of sleep, affecting “1-2 perdemic consequences for sleep cent of the general population” among the college population.

Brown University Health deprivation, as sleep disorders according to the AASM. Other reported sleep disorPromotion reported, “According can have significant effects on to a 2001 study, only 11 (percent) student performance in both the ders from the 2007 study were restless leg syndrome/periodic of college students have good short- long-term. “(Pulling) all-nighters can limb movement disorder, circasleep quality, and 73 (percent) have occasional sleep problems. interfere with your ability to dian rhythm disorder, affective This same study found that 18 learn new material. You can disorder, obstructive sleep apnea (percent) of college men and memorize facts during an all- and hypersomnia, as reported in 30 (percent) of college women night study session and recall an article on Medscape.

When the app launched in February, reports said it was saving users $1 million a month, but

by May was saving them $1 million a week — and in that time, its user base increased ten times, according to Business Insider.

Digit CEO Ethan Bloch said its users are primarily millennials and low-income workers.

According to Forbes, millennials are set up to inherit $41 trillion from their parent’s generation, and millennial financial behaviors have the potential to redefine financial services.

“One thing that sometimes worries me with these financial apps is that I have to provide sensitive account information so that they can track my finances when helping me save,” the Huffington Post’s Simon Zhen wrote. “How secure are they? Can I trust them with my account information? I prefer to not worry about that all the time.

“However, if you want another way to save a little here and there, it can work to your advantage to use a savings app like Digit or Acorns.”

4

M O N D AY, N O V E M B E R 3 0 , 2 0 1 5

●

T H E O R AC L E

USF starting quarterback Quinton Flowers scrambles away from Central Florida defensive lineman Jamiyus Pittman while looking for a receiver downfield. The sophomore threw three touchdowns to break Marquel Blackwell’s single-season record of 20. ORACLE PHOTO/ADAM MATHIEU 455 yards — including 102 from confident in what they can do sophomore tailback Marlon Mack and I think we all have seen how Continued from PAGE 8 for his record eighth 100-plus-yard they’ve been playing the last courushing performance of the season ple weeks.” ence — it didn’t happen. The Owls — and converted 11 of 16 times Give UCF credit, though — at dominated for a 27-3 victory. on third down. UCF didn’t convert least its fans made things interest“Y’all really just gassed us up one until late in the third quarter. ing. some more to be completely Flowers produced three touchSeveral times during the ESPN honest,” defensive back Devin downs through the air to break broadcast, an array of signs were Abraham tweeted late Saturday Marquel Blackwell’s single-season picked up from the announced night. “But we’ll go bowling for the mark of 20 and added two more gathering of 25,697 around the mean time.” on the ground. Placekicker Emilio half-empty stadium.

Indeed they will.

Nadelman, who nearly lost his One read, “Beat Somebody.”

The Bulls wrapped up their job after missing two critical field Another, “I’m Thankful For ... The most successful regular season goals in a 29-17 loss at Navy on End of This Season.” since 2007 and are also a bowl- Oct. 31, hit three from 44, 41 and Taggart was thankful, too. But game victory away from tying the 43 yards to extend his streak to for a much different reason: program’s record for most wins in nine.

The victory meant the Bulls a season. In the last three games At one point, the Bulls scored defeated every team in the AAC of this current four-game win on five straight possessions. Last East. streak — the longest for USF in season, they didn’t score once in “You look at our football team, four seasons — the Bulls outscored a 16-0 loss to Central Florida at we’re the divisional champions,” opponents 106-16.

Raymond James Stadium — the Taggart said. “How about that? We The Knights simply played the first home shutout in program his- beat everybody in our division.” role of a speed bump. tory.

In an ideal world, that would Many USF fans made up the announced crowd of 25,697 at a They had no answer for the “We’ll play with anyone right mean a lot more. But a bowl trip half-empty Bright House Networks Stadium. Some even brought signs to taunt rival UCF. ORACLE PHOTO/ADAM MATHIEU Bulls’ offense, which racked up now,” Taggart said. “Our guys are will have to do in the meantime.

FOOTBALL

M O N DAY, N O V E M B E R 3 0 , 2 0 1 5

REUNION

Continued from PAGE 8

09 season together at Memphis, Antigua helped Calipari mold Kentucky back into a perineal winner. Behind Antigua’s recruiting prowess, the Wildcats were able to land future NBA superstars in John Wall, DeMarcus Cousins, Anthony Davis and Karl-Anthony Towns among others.

Their third season together in Lexington in 2012, Kentucky won the national championship. They also teamed up for three Final Four appearances.

Since Antigua left for his first college head coaching position at USF in March 2014, the two have continued to speak regularly. But despite the fanfare and nationaltelevision analysis surrounding their meeting for the first time as opponents, it was a game that neither truly relished.

In their discussions leading up to the game, Antigua said the topic was never something they brought up until game day.

“Whenever he plays against any of his former assistants or former players, it’s hard,” Antigua said.

Despite being overpowered by Kentucky’s skill, speed and sheer

●

5

T H E O R AC L E

ability up and down the court, Bulls (2-5) hung around early. They even pulled within six points on a long 3-pointer by freshman guard Jahmal McMurray with a little more than six minutes remaining.

Reality, however, soon settled in and everything unraveled from there.

USF shot just 30 percent in the first half. A game-defining 23-2 run also blew things open after McMurray’s shot as Kentucky star Skal Labissiere showed off with a couple of crowd-pleasing alley-oop dunks.

But Calipari had reason to be proud of his star pupil.

In the second half, the Bulls settled in and rebounded to shoot 46 percent the game. They never quit. They never stopped fighting.

A 31-point deficit midway through was chiseled down to 21 when everything was said and done.

“This was one where you’ve got to give Orlando credit,” Calipari said. “His team never quit. They got down 30 and all of a sudden you turn around and they’re still fighting.”

It’s going to be a building process for Antigua at USF, that much is understood. But Calipari knows what that is like.

As an up-and-coming coach at

UMass in the late 1980s, Calipari’s Minutemen went 10-18 and 14-17 in his first two seasons. By the time he departed to take over the New Jersey Nets in 1996, UMass had made five straight trips to the NCAA Tournament.

With a depleted roster, Antigua won nine games last season. This year, the Bulls are off to their worst start since opening 1-6 under Bobby Paschal in 1987-88.

“Those are the kind of jobs that it takes time,” Calipari said.

“It takes one or two, three classes to come together. And then you see it.”

On Friday, Antigua saw many familiar faces. During pregame introductions, a hearty blue-clad crowd gave him a resounding applause.

Then, it was business as usual.

“When you’re away from the competitive energy of things, you just feel those guys that you spent and were able to create a lot of great memories with and I’ve got some great friendships with the staff and those players,” Antigua said. “It was a lot of love. Then, the ball goes up and it was just competing. Just playing basketball like you would as a kid on the court FANTASTIC FRESHMAN: USF freshman guard Jahmal McMurray yourself as a player and as a coach. finished with a team-high 13 points in an 84-63 loss to No. 1 “It was nothing different.”

Kentucky on Friday. ORACLE PHOTO/ROBERTO ROLDAN

Opinion

6

UNIVERSITY OF SOUTH FLORIDA

the Oracle the University of South Florida’s student newspaper since 1966

Editor in Chief Grace Hoyte oracleeditor@gmail.com News Editors Miki Shine Abby Rinaldi oraclenewsteam@gmail.com Sports Editor Jeff Odom oraclesportseditor@gmail.com Opinion Editor Breanne Williams oracleopinion@gmail.com Multimedia Editor Adam Mathieu Digital Editor Roberto Roldan Copy Editor Safeena Kassoo Assistant Editor Jacob Hoag Graphic Artists Ashley Barzaga Luke Blankenship Advertising Sales Lauren Alford Rachel Carpenter Abby Pereira Destiny Moore

The Oracle is published Monday through Thursday during the fall and spring semesters, and twice weekly, Monday and Thursday, during the summer.

The Oracle allocates one free issue to each student.

Additional copies are $.50 each and available at the Oracle office (SVC 0002).

BY PHONE Main . . . . . . . . . . . . . . . . . .

Editor . . . . . . . . . . . . . . . . .

News . . . . . . . . . . . . . . . . .

Sports ................

Lifestyle . . . . . . . . . . . . . . .

Advertising . . . . . . . . . . . .

Classified . . . . . . . . . . . . . .

Website: Facebook: Twitter:

974-6242 974-5190 974-1888 974-2842 974-2398 974-2620 974-6242

usforacle.com facebook.com/usforacle @USFOracle

CORRECTIONS The Oracle will correct or clarify factual errors.

Contact Editor in Chief Grace Hoyte at 974-5190.

●

M O N D AY, N O V E M B E R 3 0 , 2 0 1 5

Trump miraculously still holds voters’ hearts Breanne Williams COLU M N I ST

Saturday, Republican frontrunner Donald Trump held a rally in Sarasota for his presidential campaign. Thousands gathered hoping to hear his plans for office but were instead presented with over an hour of Trump hurling insults at everyone who dared to criticize him.

Trump is not exactly known for being politically correct or caring about things as trivial as feelings and offending entire people groups.

But his outrageous comments have, miraculously, launched him to the top of the polls instead of ensuring an immediate defeat.

People seem to be attracted to his bluntness.

Nancy Blemaster, an attendee Saturday, told the Tampa Bay Times Trump is “honest — he tells it the way it is. He’s going to close the border, which is very, very important. He’s using his own money. He’s got so many things going for him.”

Her sentiments apparently are echoed by countless other voters, as over 4,000 people flocked to hear Trump’s rousing speech.

Instead of hearing details of his policies or an educated rebuttal to one of the many accusations hurled at Trump by his opponents and local media, viewers were subjected to over an hour of a seemingly unscripted and unorganized rant.

He ruthlessly attacked both his Republican opponents and leading Democratic contender Hillary Clinton. In response to the accusations from the New York Times over him apparently mocking one of their disabled reporters, Trump spent several moments criticizing the publication and demanding an apology.

He claimed the New York Times is “a failing newspaper… (It) frankly should give me an apology. And I’d love to have the apology before they go out of business.”

Shifting the attention off of his policies and misconduct by attacking literally everyone else in existence seemed to be the plan of attack at Saturday’s rally. He spent a huge chunk of time heavily criticizing people for doubting his plan to erect a wall along the entire southern border of the U.S. but once again refused to give specifics on how exactly he planned to convince Mexico to pay for this miraculous feat of engineering.

While talking about his critics he simply stated, “They’re not business people. They have no idea.” Trump, do not assume that Americans are ignorant enough to be swayed with empty promises and vague proposals. You’re extremely broad plan of action was fine the first few weeks of the campaign but it is no longer acceptable.

Yet despite the obviously worthless speech, people continued to cheer and applaud their joke of a leader. Actual voters are taking him seriously and if this trend continues our country is doomed.

Obviously, not all voters agree with the entitled and ostracizing mannerisms of Trump. Many recognize his outbursts for what they are: a childlike response coming from a man who doesn’t like to be told he’s wrong, even when he clearly knows nothing about what he’s proposing.

The fact that Trump is still at the frontrunner of the GOP polls is extremely unsettling. Perhaps once the primaries roll around in March voters will begin to take the policies of their candidates seriously and recognize the idiocy of electing a madman to office.

Until then, the rest of us sit back in amazement and disgust as Trump’s following only continues to increase. He has made it clear his policies hold no weight and his confrontational attitude will only continue to ostracize people. While his candidacy announcement was humorous in June, the joke has been over for quite some time.

Breanne Williams is a junior majoring in mass communications.

●

T H E O R AC L E

What you said Opinion Editor Breanne Williams asked students when they think it is appropriate to begin decorating for Christmas.

“The day after Thanksgiving.

I love Thanksgiving, and I don’t think it’s a holiday that should be skipped over.”

- Nicole Osborne, a senior majoring in gerontology

“I look forward to Christmas, so I generally wait until after Halloween.”

- Nicholas De Silva, a junior majoring in environmental sciences

“The day after Thanksgiving.

That’s when my family does it. It’s tradition.”

- Nashyia Griffin, a senior majoring in health sciences

“December 1st. It’s after Thanksgiving, and Christmas is in December.”

- Noah Sanders, a sophomore majoring in health sciences

Classifieds UNIVERSITY OF SOUTH FLORIDA

To place a classified ad go to HELP WANTED

Help Wanted HANDYMAN Yard work House Cleaning Can be other person $10 per hour 813 810 0357 Email expjag@msn.com

●

Crossword

M O N D AY, N O V E M B E R 3 0 , 2 0 1 5

http://www.usforacle.com/classifieds

●

T H E O R AC L E

7

Sports

8

UNIVERSITY OF SOUTH FLORIDA

n The

44

By Jeff Odom

F

●

T H E O R AC L E

Bulls roll to victory, but are denied a spot in the AAC title game.

USF

S P O R T S

M O N D AY, N O V E M B E R 3 0 , 2 0 1 5

SWEET & SOUR ●

E D I T O R

ORLANDO or a few fleeting moments, there were probably some collective gasps by the USF faithful that reverberated from Tampa to Cocoa Beach.

On a blustery Thursday evening at Bright House Networks Stadium, there was winless Central Florida, moving the ball downfield, seemingly at will. A 30-yard heave on the game’s first play from Justin Holman found the hands of Tre’Quan Smith. Then, a 23-yard pass four plays later to Smith set up a 28-yard field goal.

Five minutes into their personal Super Bowl — a chance to avoid humiliation with the worst record in program history — floundering UCF led 3-0.

Time for USF coach Willie Taggart to worry, right? Please.

His Bulls responded with a nineplay, 61-yard touchdown drive on their ensuing possession, capping it with a 4-yard touchdown pass

UCF

3

from Quinton Flowers to Chris Barr. They never let up from there en route to a 44-3 romp.

“We did the things that we wanted to and we knew Central Florida was going to come out and give us their best shot,” Taggart said. “I told our guys we’re going to give our best shot as well and we’ll see who will win.”

“Our guys came out and they were in attack mode the entire football game.”

Though USF (8-4, 6-2) took care of business and checked one goal off its list with the victory, another remains frustratingly out of reach.

The Bulls entered the Thanksgiving break needing to defeat UCF (0-12, 0-8) and have Connecticut upset No. 20 Temple on Saturday in order to clinch a spot in the AAC championship game at Houston.

Despite an assortment of tweets from fans and pleas from players — with senior tight end Sean Price even throwing in a “Go Huskies!” during the postgame press confer-

n See FOOTBALL on PAGE 4

USF linebacker Danny Thomas (left) and coach Willie Taggart celebrate with the fans after the Bulls drubbed rival Central Florida on Thursday night. ORACLE PHOTO/ADAM MATHIEU

Men’s basketball

No love lost in reunion n Calipari

bests his former pupil on national stage.

By Jeff Odom S P O R T S

E D I T O R

MIAMI — As the buzzer sounded one final time Friday night, Orlando Antigua 1 UK 84 turned away USF 63 from his bench and began to walk to his right down the side of the court.

It was a trip he had made USF’s Orlando Antigua spent five years as an assistant at Kentucky. countless times before as USF’s men’s basketball coach. But this ORACLE PHOTO/ROBERTO ROLDAN

one was unlike any other.

No, USF wasn’t celebrating a monumental upset over topranked Kentucky. The Wildcats easily dispatched the Bulls 84-63 in the HoopHall Miami Invitational.

But on this day, the final score took a backseat to the emotions at American Airlines Arena.

Waiting halfway down the line in front of the scorer’s table was the man to whom Antigua owes much of his coaching success.

The man he spent five seasons observing from the next seat over, absorbing information from every nook and cranny to get where he is today — Kentucky coach John Calipari.

As the two met halfway, they shook hands. Calipari then leaned in to Antigua’s ear.

“He said our guys competed in the second half,” Antigua said.

“He was proud.”

Kentucky coach John Calipari said After spending the 2008- he was “proud” of Antigua.

n See REUNION on PAGE 5

SPECIAL TO THE ORACLE