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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 Broadway League, the trade association that regulates theater performances in New York City, said Monday that all Broadway shows would be canceled through the end of 2020 due to the coronavirus pandemic.The group says that those who have purchased tickets to shows before Jan. 3, 2021 will automatically receive an email detailing refund and exchange information."Every single member of our community is eager to get back to work sharing stories that inspire our audience through the transformative power of a shared live experience," Thomas Schumacher, the Broadway League's Chairman of the Board, said in a statement released Monday. "The safety of our cast, crew, orchestra and audience is our highest priority and we look forward to returning to our stages only when it’s safe to do so. One thing is for sure, when we return we will be stronger and more needed than ever.”“Our membership is working closely with the theatrical unions and in concert with key experts and some of the greatest minds inside and outside of the industry to explore protocols for all aspects of reopening. We are focused on identifying and implementing necessary measures that will enable us to resume performances safely for Broadway audiences and employees,” Charlotte St. Martin, the president of the Broadway League, said in a statement. “We are determined to bring back the people who rely on this industry for their livelihood, and to welcome back all those who love this vital part of New York City, as soon as it is safe to do so. "Broadway performances in New York shut down on March 12, the day before President Donald Trump declared the pandemic a national emergency. Last month, the Broadway League said it was canceling all performances through Sept. 6. 1759

The case of the world's most litigious selfie has come to a close.The People for the Ethical Treatment of Animals (PETA) and photographer David Slater have reached a settlement in a dispute over who owns the rights to a selfie of a monkey.The photograph was taken in 2011 by a 7-year-old crested macaque named Naruto. 325

The FBI is warning financial institutions that their ATMs could be targeted in a hacking attempt.The threat was reported Sunday by Krebs On Security, a popular cybersecurity blog run by the journalist Brian Krebs.Krebs reported that the scheme is known as an "ATM cash-out," which means the attackers can hack a bank or payment card processor and use stolen information to withdraw large sums of money at ATMs worldwide. His report cited a confidential alert the FBI shared with banks last Friday.The FBI did not comment specifically on this potential attack. In a statement to CNN, a spokeswoman said that "in furtherance of public-private partnerships, the FBI routinely advises private industry of various cyber threat indicators observed during the course of our investigations.""This data is provided in order to help systems administrators guard against the actions of persistent cyber criminals," the spokeswoman said.CNN reached out to two major banks, Wells Fargo and JPMorgan Chase, both of which declined to comment.Krebs has reported on similar "unlimited operations" before, including a scheme in which more than million was stolen from a Virginia bank in 2016 and 2017.The alert, called a private industry notification, was sent to a narrow group of cybersecurity professionals and system administrators at financial firms that had assets at risk, according to a federal law enforcement official.Though the FBI at times makes PSAs for significant cybersecurity threats, like when they told the public in May to reboot certain internet routers after a malware attack, no wider notification was made about the ATM scheme. 1659

The divisive presidential election found students at Westminster High School in Maryland split over a controversial poster that some saw as a symbol of hope. Others viewed it as a knock on Donald Trump. But other symbols like the Confederate flag also sparked unrest at the school."Actually, we had a bunch of people having flags connected to their trucks.  People wearing it all the time,” said Jakob Hill, a 2017 graduate, “It was actually surprising to see it, but it was in the schools. I have a bunch of friends that are still in Westminster and they still see it."But starting today, they won't see it anymore.Superintendent of Schools Stephen Guthrie says both the rebel flag and the Nazi swastika are now banned anywhere on school property."While we were getting complaints from students who were not only offended. It goes much deeper than offense,” Guthrie said. “They really were losing the ability to do their work. This represented hatred to them. They thought it advocated violence. So we went through a process with our attorneys and legally to determine if we could make decisions that would limit that dress."Guthrie points to the move to remove Confederate statues from public lands and the rally that turned deadly in Virginia as evidence the change was needed."We have the Charlottesville issue with the swastika and the Confederate battle flag were side by side with acts of violence and hatred and intolerance, and so we saw this change happening around us," Guthrie said.It is a bid to prevent symbols of hate that can lead to violence."You never know who you're going to offend and it's just safe if you try not to wear them," Melanie Morel of Westminster said.Violence has already erupted among students inside the schools when symbols divide them."We had a couple of fights last year about it actually,” said Hill, “People using racist terms and all that and people taking it under a different context."The superintendent says when students violate the dress code his hope is to make it a teachable moment, rather than a punitive one, in hopes of bringing students closer together. 2160