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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 deaths of 22 more children from flu-related causes were reported Friday by the US Centers for Disease Control and Prevention in its weekly surveillance report.Those deaths bring the total number of children reported to have died to 84 since October, when the current flu season began. Three out of four children who died from the flu had not gotten a flu vaccine, the acting director of the CDC said in a Thursday news conference. "We continue to recommend parents get their children vaccinated even though it's late in the season," Dr. Anne Schuchat said. The season may continue for several more weeks, she added.  633

The CDC is changing their recommendations for travelers, urging them to pay attention to local and state recommendations, and dropping their 14-day quarantine for international or out-of-state travelers.The Centers for Disease Control and Prevention updated their travel requirements Friday, according to multiple media reports. They now advise travelers to "follow state, territorial, tribal and local recommendations or requirements after travel." Previously, the agency recommended a 14-day quarantine for those returning from international destinations or any area with a high concentration of coronavirus cases.The guidelines still urge travelers to limit their risk of infecting others by social distancing and wearing a mask. “You may feel well and not have any symptoms, but you can still spread COVID-19 to others," the CDC states on their website.There are still international travelers who are not allowed to enter the U.S. based on presidential proclamations. Foreign nationals who have spent time in these countries in the last 14 days before travel cannot enter the U.S.: China, Iran, United Kingdom, Ireland, Brazil, and most of Europe. U.S. citizens who travel to these countries can return to the U.S. through 15 airports according to the CDC. 1268

The city manager for Alameda, California, said a formal investigation is underway following the arrest of a man dancing in a street as part of his exercise routine.The man, Mali Watkins, was charged with resisting arrest. Why he was arrested in the first place is unclear.On May 23, two officers from Alameda Police approached the man after police received a report that a man was dancing in the street. When police arrived, they discovered Mali dancing in the street.When asked why he was dancing, Mali stated it was part of his exercise routine.After Mali began to walk away, videos show officers grabbing Mali by the wrist and detaining him. Mali was told if he resisted, he would be charged with resisting arrest, which is what happened.The city of Alameda said that the man is a resident of the city and is African American.“At this time, I do not know the reasons why the initial officers approached the call the way they did. I am hopeful that an investigation will provide better understanding to that question,” City Manager Eric Levitt said.In the last few days, the city has released body warn camera footage from the incident, in addition to a call into the police’s non-emergency line. Those clips can be viewed here.Levitt said that the reason video from the incident took two weeks to be released was due to privacy concerns. 1348

The Centers for Disease Control and Prevention's own medical advisers are criticizing the federal health agency for being slow to respond to a polio-like disease that's struck hundreds of children over the past six years."Frustrated and disappointed -- I think that's exactly how most of us feel," said Dr. Keith Van Haren, one of the CDC advisers on AFM and an assistant professor of neurology at the Stanford University School of Medicine.Van Haren and other doctors who care for these children say the agency has been slow to gather data and to guide pediatricians and emergency room physicians on how to diagnose and treat the children struck with the disease, acute flaccid myelitis."This is the CDC's job. This is what they're supposed to do well. And it's a source of frustration to many of us that they're apparently not doing these things," said Dr. Kenneth Tyler, a professor and chair of the department of neurology at the University of Colorado School of Medicine and another adviser to the CDC on AFM. 1022