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The Food and Drug Administration on Wednesday authorized the first rapid coronavirus test that doesn’t need any special computer equipment to get results.The 15-minute test from Abbott Laboratories will sell for , giving it a competitive edge over similar tests that need to be popped into a small machine. The size of a credit card, the self-contained test is based on the same technology used to test for the flu, strep throat and other infections.It’s the latest cheaper, simpler test to hit the U.S. market, providing new options to expand testing as schools and businesses struggle to reopen and flu season approaches. The FDA also recently greenlighted a saliva test from Yale University that bypasses some of the supplies that have led to testing bottlenecks.Both tests have limitations and neither can be done at home. Several companies are developing rapid, at-home tests, but none have yet won approval. Abbott’s new test still requires a nasal swab by a health worker, like most older coronavirus tests. The Yale saliva test eliminates the need for a swab, but can only be run at high-grade laboratories.And in general, rapid tests like Abbott’s are less accurate than lab-developed tests. The FDA said in a statement announcing the decision that negative results with Abbott’s test may need to be confirmed with a lab test in some cases. The agency granted Abbott’s test an emergency use authorization late Wednesday for patients with suspected COVID-19.The two additions should help expand the number of available tests. The U.S. is now testing about 690,000 people per day, down from a peak of 850,000 daily tests late last month. Many public health experts believe the country will soon need to test vastly more people to find those who are infected, isolate them and contain the virus.The FDA noted that Abbott’s test could be used in a doctor’s office, emergency room or some schools. “Given the simple nature of this test, it is likely that these tests could be made broadly available,” the FDA said.Since the start of the pandemic, nasal swab tests that are sent to a lab have been the standard for COVID-19 screening. While considered highly accurate, the tests rely on expensive, specialized machines and chemicals. Shortages of those supplies have led to repeated delays in reporting results, especially during a spike in cases last month.Government and health experts view rapid tests that can be run outside the laboratory system as key to boosting capacity.“Those screening tests are what we need in schools, workplaces and nursing homes in order to catch asymptomatic spreaders,” said Dr. Jonathan Quick of the Rockefeller Foundation, in an interview earlier this month. The nonprofit group has called for the U.S. to conduct about 4 millions per day by October, mostly rapid, point-of-care tests.Abbott’s BinaxNOW is the fourth rapid test that detects COVID-19 antigens, proteins found on the surface of the coronavirus, rather than the virus itself. It’s considered a faster, though sometimes less precise, screening method. The other tests need to be inserted into a small machine.Inside the Abbott test is a specially coated strip that interacts with COVID-19 antigens. The patient’s nasal swab is inserted into the card and a few drops of a chemical solution are added. Markings appear on the card to indicate whether the sample is positive or negative — much like a pregnancy test.Two other makers of antigen tests — Quidel and Becton Dickinson have said they haven’t been able to meet demand for the tests. A third, LumiraDx, plans to begin shipping its recently approved antigen tests by the end of this month. Abbott expects to begin shipping tests in September, reaching 50 million tests a month in October.The influx of antigen tests will go a long way toward meeting the Trump administration’s projection that 90 million COVID-19 tests a month will be available by September if needed. But U.S. “testing czar” Adm. Brett Giroir has stressed that the U.S. can contain the outbreak with far fewer tests.“That’s the capacity ... we do not need that many tests to safely and sensibly reopen,” Giroir told reporters on a recent call. He pointed to several key indicators that have been falling, including new infections and hospitalizations, even as testing has slowed.Earlier this month, the FDA authorized Yale’s saliva-based test, which is expected to cut the time and cost compared with similar tests. It’s the fifth COVID-19 saliva tests OK’d by regulators. All require lab processing.Developed by Yale’s School of Public Health, SalivaDirect can use any sterile container to collect a sample, not the special tube needed with earlier tests, and requires less chemicals. Outside experts welcomed the new approach but noted its limitations.“It’s not a rapid test, it’s a laboratory-based test that will still be prone to the same massive delays as any other test,” said Dr. Michael Mina of Harvard University.___Follow Matthew Perrone on Twitter: @ AP_FDAwriter.___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 5201

The current day trading boom will end as these frenzies always do: in tears. While we wait for the inevitable crash, let’s review not only why day traders are doomed but also why most people shouldn’t trade, or even invest in, individual stocks.Day trading basically means rapidly buying and selling investments, hoping to profit from small price fluctuations. Brokerages have reported a surge in trading and new accounts this year, starting with March’s stock market crash when investors rushed in looking for bargains. As pandemic lockdowns kept people from their jobs and classrooms, trading continued to soar, especially among young adults.The poster child for this gold rush is Robinhood, a commission-free investing app that uses behavioral nudges to encourage people to trade. Robinhood added over 3 million accounts this year and in June logged more trades than any of the established, publicly traded brokerages. More than half of its customers are opening their first investment account, the company says.People can start trading with small amounts of money because Robinhood offers fractional shares. In addition to stocks and mutual funds, the app allows trading in options, cryptocurrencies and gold. Customers start out with a margin account, which allows them to borrow money to trade and amplify both their gains and their losses.Alexander Kearns, 20, is one example of what can go wrong. The University of Nebraska student killed himself after seeing a 0,165 negative balance in his Robinhood account. The novice trader may have misunderstood a potential loss on part of an options tradethat he made using borrowed money as a loss on the whole transaction. In reality, he had ,000 cash in his account when he died.Research has shown that the vast majority of day traders lose money, and only about 1% consistently get better returns than a low-cost index fund. A rising stock market, and a flood of inexperienced and excitable investors willing to bid up stock prices, has convinced more than a few day traders that they’re part of that 1%. They’re being egged on by the few people who actually will make money: the hucksters selling seminars, e-books and strategies that purport to teach you how to successfully trade.Stocks don’t always go upStocks overall are an excellent way to gain wealth over the long term. If you can weather the downturns, stocks historically have offered good returns.Those downturns can be doozies, however. Stocks lost half their value during the Great Recession that started December 2007. The market lost nearly 90% of its value in the early years of the Great Depression.Extended downturns have popped previous day trading bubbles, including the one that formed during the dot-com boom. The Nasdaq composite stock index rose 400% in five years, only to lose all of those gains from March 2000 to October 2002.Markets that go down eventually come back up. That’s not true of individual stocks. Any single stock can lose value, sometimes all the way to zero, and never recover.The sensible way to hedge that risk is diversification. That means buying stocks in many, many companies, including companies of different sizes, in different industries and in different countries. That’s prohibitively expensive for most individual investors, which is why mutual funds and exchange-traded funds are a better bet.There’s no such thing as a free tradeAnother way to grow wealth is to minimize investing costs. That means trading less, not more, because trading incurs costs even when there are no commissions involved.Investments held more than a year benefit from favorable capital gains tax rates, for example. Those held less than a year are taxed as income if the trade wasn’t made in a tax-deferred account such as an IRA.Another way cost is incurred is in what’s known as the bid/ask spread. The banks and financial institutions that facilitate trading in various stocks are called market makers. They offer to sell stocks at a certain price (the ask price) and will purchase at a slightly lower price (the bid price). People who trade stocks instantly lose a little money on each transaction because of this difference. That’s not a big deal for infrequent traders, but the costs add up if you churn stocks in and out of your portfolio.The biggest potential cost, though, is that every trade exposes your portfolio to the many ways we humans have of screwing up our money. We’re loss-averse and we want to avoid regret, so we hang on to losing stocks. We think that we can predict the future or that it will reflect the recent past, when this year should have taught us that we can’t and it won’t.We also think we know more than we do, a cognitive bias known as overconfidence. If you’re determined to trade, or day trade, don’t gamble more than you can afford to lose, because you almost certainly will.This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletSuddenly Retired? Here’s What to Do NextSmart Money Podcast: Sudden Retirement and Finding Lost MoneyYou Can Use a Crisis to Build Helpful Money HabitsLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 5216

The FBI has fired Peter Strzok, an agent who was removed from the Russia probe last year for sending text messages disparaging President Donald Trump, Strzok's lawyer said Monday.Aitan Goelman, Strzok's attorney, said FBI Deputy Director David Bowdich ordered the agent's termination on Friday. Goelman said that the deputy director's decision comes after the head of the office that normally handles disciplinary actions decided Strzok should instead face a demotion and 60-day suspension."The decision to fire Special Agent Strzok is not only a departure from typical Bureau practice, but also contradicts (FBI) Director (Christopher) Wray's testimony to Congress and his assurances that the FBI intended to follow its regular process in this and all personnel matters," Goelman said in his statement.The FBI declined to comment on Goelman's assertions.Strzok played a lead role in the investigation into Hillary Clinton's private email server and was involved in the FBI's recommendation that no criminal charges be filed against the former secretary of state. He later helped oversee the beginnings of the probe into Russian meddling in the 2016 election, and his involvement in both investigations has been seized on by Republicans as evidence of anti-Trump bias in the bureau and those investigating potential coordination between the Trump campaign and Moscow.The President tweeted about the firing Monday afternoon, calling Strzok a "total fraud" and repeated his claim that there was no collusion nor that he obstructed justice."Agent Peter Strzok was just fired from the FBI - finally. The list of bad players in the FBI & DOJ gets longer & longer. Based on the fact that Strzok was in charge of the Witch Hunt, will it be dropped? It is a total Hoax. No Collusion, No Obstruction - I just fight back!" Trump wrote, adding in another tweet, "Just fired Agent Strzok, formerly of the FBI, was in charge of the Crooked Hillary Clinton sham investigation. It was a total fraud on the American public and should be properly redone!"Because Strzok, who is 48, was fired before his 50th birthday, he potentially stands to lose a portion of his pension benefits.His firing was earlier reported by The Washington Post. 2236

The E.W. Scripps Company is a partner with The Associated Press and has been following guidance from their election desk on 2020 race updates.Early Wednesday morning, the AP called the presidential race in Arizona for Joe Biden. The state is continuing to count ballots, and in the hours since, President Donald Trump has significantly cut into Biden's lead.Thursday afternoon, officials said there were about 450,000 votes still to be counted in the battleground state. As of 12:30 p.m., Biden had a 2.35 percentage point lead over Trump, an advantage of about 68,000 votes.At 9 p.m. ET, a new trove of votes from Maricopa County, the largest county in the state. Trump gained nearly 11,000 votes, cutting Biden's lead to 46,257. AP executive director Sally Buzbee released the following statement regarding its Arizona projection: "The Associated Press continues to watch and analyze vote count results from Arizona as they come in. We will follow the facts in all cases."All election results remain unofficial until each state verifies its election count.Below is the AP's explanation as to how it made the decision to call the state for Biden.The Associated Press has declared Democrat Joe Biden the winner in Arizona, flipping a longtime GOP state that President Donald Trump won in 2016.The AP called the race at 2:50 a.m. EST Wednesday, after an analysis of ballots cast statewide concluded there were not enough outstanding to allow Trump to catch up.With 80% of the expected vote counted, Biden was ahead by 5 percentage points, with a roughly 130,000-vote lead over Trump with about 2.6 million ballots counted. The remaining ballots left to be counted, including mail-in votes in Maricopa County, where Biden performed strongly, were not enough for Trump to catch up to the former vice president.Arizona has a long political history of voting Republican. It's the home state of Barry Goldwater, a five-term, conservative senator who was the Republican nominee for president in 1964. John McCain, the party's 2008 presidential nominee, represented the state in Congress from 1983 until his 2018 death.But changing demographics, including a fast-growing Latino population and a boom of new residents — some fleeing the skyrocketing cost of living in neighboring California — have made the state friendlier to Democrats.Many of the gains have been driven by the shifting politics of Maricopa County, which is home to Phoenix and its suburbs. That's where Biden sealed his victory. Maricopa County accounts for 60% of the state's vote, and Biden ran up huge margins there.In 2016, Trump carried the county by 4 percentage points, which helped propel him to a win. But two years later, Democratic Sen. Kyrsten Sinema flipped a Senate seat from Republican control by winning the county by 5 points.When the AP called the race for Biden, he was leading there by 9 percentage points.Biden flipping Arizona is a sign of Democrats' ascendant influence in the state.In 2018, Sinema became the first Democrat in three decades to win a U.S. Senate seat in Arizona. Democrats also won three statewide offices and five of nine congressional seats and made gains in the state legislature that year.In 2016, voters ousted Republican Joe Arpaio, Maricopa County's hardline sheriff, who built a national profile on his harsh treatment of immigrants. 3349

The death of a missing six-year-old boy with autism whose body was found in a North Carolina creek in September has been classified as a "probable drowning," according to an autopsy report from the Mecklenburg County Medical Examiner.Maddox Ritch went missing while on a walk with his father at a Gastonia park on September 22. In an extensive search, authorities used dogs, drones and sonar, and partially drained an 80-acre lake to better see its shoreline.Maddox's body was found five days later in a creek about a mile east of Rankin Lake Park, where he was last seen with his father and a friend, authorities said."The findings are not inconsistent with drowning," the medical examiner's report said. "In conjunction with investigative information at this time, which gives no indication of other than an accidental drowning, it seems reasonable to conclude that the likely cause of death is drowning."The body was partially submerged in 2 to 3 feet of water. The area, thick with underbrush, had been searched numerous times."We appreciate everyone's patience and support while we worked to uncover every piece of evidence available to bring our death investigation to this conclusion," Gastonia Police Chief Robert Helton said in a statement Thursday, adding that no criminal charges were expected to be filed in connection with the death."I ask for continued prayers for Maddox's family and everyone touched by this child's tragic death."Maddox's father, Ian Ritch, said in late September that he and a friend were walking when his son ran ahead, likely triggered by a passing jogger. Maddox was about 25 to 30 feet away when he broke into a sprint, Ritch said.Ritch said he "was giving him just a little leeway, freedom" but he had a clear view of his son. Maddox often would run ahead but let him catch up, Ritch said."I couldn't catch up with him. I feel guilt for letting him get so far ahead of me before I started running after him," Ritch told reporters.The FBI became involved in the case, with investigators waiting to determine the cause and manner of death, as well as the boy's exact movements. At the time, authorities pleaded for anyone with information to come forward.In an emotional Facebook post after the discovery of his son's body, Ritch wrote: "I had big plans with my son. I wanted us to go fishing play ball go camping. I wanted to be his hero. I wanted him to say I was more than superman or batman to him. I wanted people to ask him who his hero is and him say my daddy. Now I'm no hero I couldn't save him or protect him at all. I would give anything to go back and save him." 2624