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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 fine print of newly released federal guidelines for reopening schools raises serious questions about whether in-person classes should resume at a time when COVID-19 rages around much of the country.Last week, the Centers for Disease Control and Prevention (CDC), under pressure from the White House, released a position paper highlighting “the importance of reopening America’s schools this fall.”But separate guidelines issued for K-12 school administrators, which drew less public attention, are much more cautious.“It is important to consider community transmission risk as schools reopen,” those CDC guidelines state.“Computer simulations from Europe have suggested the school reopenings may further increase transmission risk in communities where transmission is already high.”Buried at the bottom of the new CDC recommendation to re-open schools is a HUGE caveat! #COVID19 poses a low risk to kids “at least in areas with low community transmission.” That’s not where much of the country stands right now. 4/ pic.twitter.com/0D5CPxhlIb— Phil Williams (@NC5PhilWilliams) July 25, 2020 The new CDC guidelines suggest, “If community transmission levels cannot be decreased, school closure is an important consideration.”“Plans for virtual learning should be in place in the event of a school closure.”In Tennessee, several public and private schools are preparing to reopen even as almost every county in the state is showing what the Department of Health considers to be unacceptable rates of transmission of the coronavirus.Last week, the American Academy of Pediatrics issued a dramatic clarification of its statement back in June that "all policy considerations for the coming school year should start with a goal of having students physically present in school.""This does not mean that we recommend that all schools open five days a week from the start of the school year," the academy’s Dr. Sean O'Leary told a congressional committee.“Many parts of the country are currently experiencing uncontrolled spread of COVID-19. While the AAP urges those areas to make in-person learning as the goal, we recognize that many jurisdictions will need to utilize distance learning strategies until cases decline."The vice chair of the academy's committee on infectious diseases, O'Leary told the subcommittee that, where there is uncontrolled community transmission, "it's inevitable that the virus is going to get into the schools, and schools are going to have to shut down."U.S. Surgeon General Jerome M. Adams also told CBS This Morning last week that a community's COVID-19 transmission rate is the single most important determinant of whether schools can safely reopen.School reopening advocates point to the emotional, psychological and educational importance of children being in the classroom – a position that the CDC guidelines reaffirm.“Schools provide safe and supportive environments, structure and routines for children, as well as other needed support services to children and families,” the CDC notes.Children are less likely to become ill when infected with the virus, and younger children are less likely to transmit the virus to others, the report adds.But a large-scale study out of South Korea recently reported that children ages 10-19 -- middle- and high-school ages -- can spread the virus as easily as adults.Also, in searching citations in the new CDC recommendation to re-open schools, it appears to completely leave out the large-scale South Korea study that found teens are likely to spread #COVID19 as readily as adults 5/ https://t.co/ABLPvpKQU5— Phil Williams (@NC5PhilWilliams) July 25, 2020 In addition, a new study – shared by the Tennessee Department of Health last week on Twitter – concluded that “young, previously healthy adults can take a long time to recover from COVID-19.” 3828

The Centers for Disease Control and Prevention have given the green light to begin administering the Moderna COVID-19 vaccine to Americans age 18 and older. Inoculations using Moderna’s version of the vaccine could begin Monday morning.Watch HHS and defense officials discuss vaccine distribution:This is the second vaccine to combat the surging coronavirus approved first by the FDA and then the CDC this month.This COVID-19 vaccine was developed by Moderna and the National Institutes of Health, and it can be stored at warmer temperatures than the Pfizer-BioNTech vaccine. Both vaccines have shown to be more than 90% effective.The Moderna vaccine is already being shipped to health care facilities around the country, following a Friday night FDA emergency use authorization.An advisory panel to the CDC voted Saturday to approve the emergency use of the Moderna vaccine, and director of the CDC, Robert Redfield, formally accepted their recommendation Sunday afternoon.In a tweet, the CDC stated they had "accepted the Advisory Committee on Immunization Practices' recommendation for use of the second authorized COVID19 vaccine." 1143

The English city of Manchester came together Tuesday to mark the first anniversary of the terror attack that killed 22 people attending an Ariana Grande concert.Families of the victims, the injured, emergency services and local and national leaders were joined by UK Prime Minister Theresa May and Prince William, the Duke of Cambridge, for a memorial service at Manchester Cathedral.Those inside the cathedral were joined by thousands more across the country in a minute's silence to remember those killed in the suicide bombing as they left the Manchester Arena.Prince William read from Corinthians during a service full of song and tribute to the victims and their families. 685

The death of another Fort Hood soldier is under investigation after he was found unresponsive at a nearby lake.On Friday, July 17 at 12:07 a.m., deputy’s with the Bell County Sheriff’s Department were dispatched to the area of the Stillhouse Hollow Lake Dam after fishermen in a boat located what they believed to be a body in the water at the base of the dam.Upon arrival, deputy’s found the body 26-year-old Pvt. Mejhor Morta was located in the vicinity of Stillhouse Hollow Lake — located about 15 miles east of the Army base.An autopsy was ordered by Justice of the Peace Garland Potvin.A preliminary autopsy shows the cause of death to be consistent with drowning, but at this time, a full autopsy report has not been completed or released by the Medical Examiner’s Office in Dallas, Texas.Morta's body was found just weeks after officials found the dismembered remains of Pfc. Vanessa Guillen — a soldier stationed on Fort Hood who went missing in April. Officials have not said that the two cases are linked.Morta was from Pensacola, Florida, and entered the Army in September 2019, as a Bradley Fighting Vehicle mechanic. He has been assigned to 1st Battalion, 5th Cavalry Regiment, 2nd Armored Brigade Combat Team, 1st Cavalry Division, since May 2020.Friends of Morta say his family is from the Philippines."I reached out to his sister today and they are currently in the Philippines," said Hunter Proffitt, a friend of Morta. "He literally came over here, he joined the U.S. Army to help move his family over here. He wanted to move his family. He wanted to make a better life for himself and then we find out that this happens."The Bell County Sheriff’s Department continues their investigation and no other information is available for release at this time.This story was originally published by Sydney Isenberg on KXXV in Waco, Texas. 1856