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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 British Broadcasting Corporation has reportedly opened an investigation into how journalist Martin Bashir secured Princess Diana's 1995 interview with the network after a shocking allegation aired during a two-part documentary on the British network ITV on Monday and Tuesday.According to USA Today, Bashir allegedly asked a graphic designer to create fake bank statements to persuade Princess Diana to talk to him on camera.According to the New York Times, doubts rose about how Bashir obtained the interview, but an earlier BBC internal investigation exonerated him.During the Nov. 20, 1995 interview, which aired on the BBC's program Panorama, the Princess spoke about how she desperately wanted her marriage to Prince Charles to work. She also spoke about the pressure from the media and her husband's infidelity that caused her to "escape" in binges of eating and vomiting, the Associated Press reported.According to the AP, an estimated 15 to 20 million viewers watched the Princess discuss her life, her children, and her estranged husband Prince Charles. 1074

The FBI seized recordings President Donald Trump's attorney made of his conversations with a lawyer representing two women who had alleged affairs with Trump, a source familiar with the matter tells CNN.The recordings could prove valuable to the government's criminal investigation of Michael Cohen. The President's personal attorney is under scrutiny in part for his role in seeking to suppress the alleged affair through a hush deal with porn star Stormy Daniels. The warrant sought information about that payment along with any information that connected Cohen with efforts to suppress disclosure of Trump's alleged affair with Playboy model Karen McDougal.The warrant for the raids also specified that Cohen was being investigated for bank fraud, wire fraud and campaign finance issues, CNN reported earlier this week.While Cohen has admitted to no wrongdoing, the intensity of the government's investigation will put significant pressure on one of the President's closest confidants. If Cohen chooses to cooperate rather than fight a potential case against him, then his knowledge about the President's activities could create serious problems for Trump as special counsel Robert Mueller continues his investigation.The source said Cohen recorded some calls he had with attorney Keith Davidson, who at the time represented both Daniels and McDougal. Davidson no longer represents either woman. Their deals to keep their stories about alleged affairs quiet are now the subject of litigation, with each seeking to be released from their agreements.Another source tells CNN that in at least one conversation between the two men, "Cohen was being unusually simplistic, like he had bullet points that he was reading from to try and make himself look good. He was trying to clarify the timeline of the agreements made with Davidson in his (Cohen's) favor.""Attorney Davidson never consented to any recordings of his conversations with Mr. Cohen. If they in fact do exist, Attorney Davidson will pursue all his legal rights under the law," Dave Wedge, a spokesman for Davidson, said. Recording phone conversations without the consent of both parties could be a legal issue if Davidson was in a state that has such laws, like California.Cohen's attorney and a spokesman for Cohen's attorney did not reply to requests for comment.Prosecutors are "going to be very excited at the prospect of having an independent means of corroborating what was said between the two parties," CNN legal analyst and former federal prosecutor Michael Zeldin said. "If all that stuff gets recorded, then they are in deep hurt because if it was just oral between them, it could be a conspiracy of liars but the tapes undermine that."Zeldin said a conversation between attorneys for different clients would most likely not be considered covered by attorney-client privilege.McDougal alleges in a lawsuit that Cohen has a cozy relationship with Davidson. She argues Davidson was part of a "broad effort to silence and intimidate her and others." Davidson denies that claim.In an exclusive interview with CNN last month, Davidson described several calls he had with Cohen about striking a deal for Daniels to keep her story quiet.Davidson also said he was contacted in recent weeks by Cohen, who encouraged him to go out and reveal what he knew about his clients and their agreements. Davidson said Cohen argued that the women had waived attorney-client privilege by going public with their stories."He suggested that it would be appropriate for me to go out into the media and spill my guts," Davidson said.There was no discussion of recordings during a court hearing on Friday to argue over Cohen's filing of a temporary restraining order that seeks to suppress the evidence gathered in the raid.The Davidson recordings may not be the only conversations the FBI gathered in the raid. Cohen often recorded telephone conversations both before and during the 2016 presidential campaign that also could have been scooped up in the FBI raid on his apartment, office and hotel room, sources told CNN.One source said Cohen played to Trump and some associates conversations that he had with political and media figures during the exploratory part of the campaign.The-CNN-Wire 4249

The College Football Playoff semifinal at the Rose Bowl is moving to AT&T Stadium in Arlington, Texas.Bill Hancock, executive director of the College Football Playoff, made the announcement in a statement Saturday night on the eve of the release of the final playoff rankings.The College Football Playoff and Rose Bowl "mutually agreed" to move the game because of the growing number of coronavirus cases in Southern California."We are pleased that parents and loved ones will now be able to see their students play in the game," Hancock said.The move came after several coaches expressed their dismay about possibly traveling to the Rose Bowl to play in a game where players' families wouldn't be allowed.Los Angeles County is under a stay-at-home order that took effect earlier this month. Pasadena, home to the Rose Bowl, has its own public health department but has mostly followed the county's practices during the pandemic.A source told The Associated Press that the Rose Bowl sought an exemption from the state of California to allow families to attend but was denied twice.Hancock said the game will still be played in the mid-afternoon on New Year's Day."We are very grateful to Rose Bowl officials and the city of Pasadena," Hancock said. "They have worked hard to listen to the concerns of the CFP, the teams that might have played there, and their state and government officials. The Tournament of Roses has acted in the best interest of the people who live in Southern California, and we're grateful to Cotton Bowl and AT&T Stadium officials for their ability to make this late switch possible." 1624

The Chico Mall has everything you'd expect to find there during the holiday season -- non-stop Christmas music, trees and oversized ornaments, along with signs advertising great deals for increasingly frenzied shoppers.It also has a temporary classroom space and a FEMA Disaster Recovery Center to help people who lost their homes in the Camp Fire, which devastated nearby Paradise, California, and the surrounding area.While they're at the mall to sign up for benefits or take care of other business, a lot of parents are bringing their kids to meet Santa Claus, said Jim Hoskins, the Chico Mall Santa.The Kentucky native, who said he'd prefer you call him Santa, has a gentle voice and a kind smile. He ended his interview with a quick "Ho, ho, ho" as he hung up the phone.He said you'd never know that many of the children he's met had lost their homes."Most of them are smiling," he said, though he does have to win over the occasional crier. "They are astounding."The kids' basic needs have been taken care off, thanks to FEMA and the generosity of the community, Hoskins said, so they're asking Santa for dirt bikes, iPhones, Paw Patrol toys and something called L.O.L Surprise dolls.But many of them do ask for something that Santa can't give -- a home."I usually say 'I can't do this in a year. I don't have the magic to do it right now, but we will get you one,'" he said. "I can't give them instant gratification on that, but I can give them some satisfaction that it will be done."He said some children have been concerned that Santa wouldn't be able to find them since their homes have burned down. He says they don't need to worry about that."I say 'I know your relatives and I've got GPS to track you with,'" he said. "It makes them feel better once their parents confirm it."Kylie Wrobel took her 7-year-old daughter, Ellie, to see Santa on Saturday.The first thing she asked for was toys for her dog, Daisy."She has the biggest heart," Wrobel said. "She was worried about our dog before herself, and then she asked for a Barbie mansion."Wrobel said she only grabbed her cell phone charger before leaving her Paradise rental house. She didn't have rental insurance, so they lost everything.Wrobel usually takes a picture of her daughter and Santa on her phone instead of buying one from the mall, she said, but this year's photo was really cute -- and it's the only hard copy photo they have now.They picked out a frame and put it out in the trailer where they're living, she said, along with their "Elf on a Shelf."Kathleen Mahnke said that Santa waved at her twin boys, who are about to turn two, as they they were walking through the mall to the FEMA center."As a mom, I can tell who is a kid lover," she said. "He was kind and fun, and patient with understanding that young kids take a while to warm up to strangers."She said she also appreciated the mall offering half off the photo packages for people who went through the fire.Hoskins says he's amazed by how resilient the children and their parents are when he meets them."I see more positive outlooks and attitudes than I do negative," he said. 3141

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