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The City of San Diego had a system in place to warn-water meter readers of inaccurate or questionable reads on manually read meters.But somehow more than 300 residents in four neighborhoods - Rancho Bernardo, Mira Mesa, Rancho Penasquitos, and Carmel Valley - were still overcharged by an average 0 on recent bills. Their meters were all the manually read type.Meanwhile, residents from Webster to Normal Heights to La Jolla are still questioning the validity of mysteriously high bills. "At this point I don't trust the government. Who is overseeing these departments?" Carmel Valley resident Denise Hornby said in a recent interview over her ,800 water bill. The city has more than 250,000 water meters that need to be read manually. Workers use a handheld electronic device to enter the readings, and get a warning if the numbers don't fall inline with that meter's use from the last billing cycle, said Steven Broyles, a city meter reader of about 18 years. "Based on the pervious use 60 days ago, it was inline," Broyles said after measuring a home in Rancho Bernardo. "So it didn't throw me a failed audit."Workers, however, are able to override the warning and enter the reading.If that happens, the city says the meter's data gets kicked into the city's quality assurance process - a process that could have uncovered the pattern of errors in those four neighborhoods. The city terminated the employee who made the errors that lead to the 300 erroneous bills. A city spokesman, however, declined to comment on whether the system lead to the discovery. The city auditory, meanwhile, is continuing a top-down probe into the water billing department. Results are expected in June.  1744

The Centers for Disease Control and Prevention is coming to Stark County, Ohio to investigate the area’s startling rate of teen suicides, according to the Ohio Department of Health.Federal health experts will spend two weeks here to figure out why a dozen Stark County teenagers have died by suicide since the end of summer.The CDC visit comes at the request of local and state health officials. According to the Canton Repository: 449

The Cameron Peak Fire is now the largest wildfire in Colorado's history. It grew overnight and is now 164,140 acres, but it remains 56% contained and no injuries have been reported.The fire became the largest in Colorado history Wednesday evening. It took only 48 days for the Cameron Peak Fire to surpass the 139,007-acre Pine Gulch Fire as the largest in recorded state history, and also blew past the 137,760-acre Hayman Fire in 2002.In a Thursday morning update, Operations Section Chief Paul Demerico of Rocky Mountain Team 1 said they are expecting a challenging few days ahead."But we have beefed up and feel like we have adequate resources to do what we can, especially when it comes to structure protection," he said.Several areas near the fire are under mandatory or voluntary evacuations as a result of the blaze. Highway 34 was also temporarily shut down in both directions between Loveland and Estes Park to help with evacuations, but has reopened.In addition, the Canyon Lakes Ranger District of the Roosevelt National Forest closed Thursday morning. This closure includes recreation sites — including all campgrounds — trails and Forest Service Roads.View the mandatory evacuations in the map below, or go here for the full list of evacuations and closures.Demerico said the western side of fire is almost all contained, but the fire was able to run east all the way to County Road 27 thanks to the wind, terrain and dry fuels.The main objective for the next day or so is to keep the fire south of 44H Buckhorn Road and west of County Road 27, he said.Winds will continue to be a problem over the next few days, Demerico said. Structure protection resources are scattered around Storm Mountain, Cedar Park, Glen Haven and Estes Park.The gusts also prevent fire officials from flying aircraft to help fight the blaze from the air.Larimer County residents may see periods of moderate to heavy smoke in their neighborhoods Thursday, according to the Colorado Air Quality Summary. The smoke may impact Fort Collins and Loveland as well.The National Weather Service said smoke from both the Cameron Peak Fire and the new East Troublesome Fire in Grand County will move toward Denver Thursday afternoon.The state's 10 largest wildfires in history, ranked by acreage, are:1. Cameron Peak Fire (2020): 164,140 acres2. Pine Gulch Fire (2020): 139,007 acres3. Hayman Fire (2002): 137,760 acres4. Spring Fire (2018): 108,045 acres5. High Park Fire (2012): 87,284 acres6. Missionary Ridge Fire (2002): 72,962 acres7. 416 Fire (2018): 54,000 acres8. Bridger Fire (2008): 45,800 acres9. Last Chance Fire (2012): 45,000 acres10. Bear Springs/Callie Marie fires (2011): 44,662 acresNote: The Rocky Mountain Area Coordination Center said the West Fork Complex fire, which burned a total of 109,632 acres in 2013, is not included on this list since it involved three separate fires.This story was originally published by Stephanie Butzer at KMGH. 2951

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 E.W. Scripps Company is a partner with The Associated Press and has been following guidance from their election desk on 2020 race updates.Below is the AP's explanation as to why they have not declared a winner in Georgia and why they declared Democratic presidential nominee Joe Biden the winner in Michigan and Wisconsin.WISCONSINThe AP called Wisconsin for Democrat Joe Biden after election officials in the state said all outstanding ballots had been counted, except for a few hundred in one township and an expected small number of provisional ballots. Trump’s campaign has requested a recount. Statewide recounts in Wisconsin have historically changed the vote tally by only a few hundred votes; Biden leads by .624 percentage points out of nearly 3.3 million ballots counted.“Despite ridiculous public polling used as a voter suppression tactic, Wisconsin has been a razor-thin race as we always knew that it would be," Trump campaign manager Bill Stepien said in a statement. "There have been reports of irregularities in several Wisconsin counties which raise serious doubts about the validity of the results. The President is well within the threshold to request a recount and we will immediately do so.”--MICHIGANThe Associated Press declared Biden the winner of Michigan at 5:56 p.m. EST Wednesday after conducting an analysis of votes and remaining ballots left to be counted. It showed there were not enough votes left in Republican-leaning areas for Trump to catch Biden’s lead. Biden had a 70,000-vote lead on Wednesday evening, a margin over Trump of about 1.3 percentage points.It's the third state President Donald Trump carried in 2016 that the former vice president has flipped, narrowing Trump’s path to reelection.On Thursday, a Michigan judge dismissed the Trump campaign's lawsuit over whether enough GOP challengers had access to the handling of absentee ballots, the AP reported.--GEORGIAThe Associated Press has not declared a winner in Georgia’s presidential contest because the race between President Donald Trump and Democratic nominee Joe Biden is too early to call, with outstanding ballots left to be counted in counties where Biden has performed well. Early Wednesday, Trump prematurely claimed he carried Georgia. But the race is too early to call because an estimated 4% of the vote still remains to be counted. That includes mailed ballots from population-dense counties in the Atlanta metro region that lean Democratic. Biden is overperforming Hillary Clinton’s 2016 showing in those counties — including in their more upscale suburban reaches. 2594