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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 football schedule starts as early as the weekend of Sept. 5 with final games slated for Nov. 21 to align with academic calendars. The Big Ten Football Championship Game remains scheduled for Dec. 5 at Lucas Oil Stadium, though it could be moved as late as Dec. 19. pic.twitter.com/vWp3OSifBc— Big Ten Conference (@bigten) August 5, 2020 348

The former Minneapolis police officer charged with killing George Floyd and three other officers accused of aiding and abetting in his death are scheduled to appear in court on Monday.Derek Chauvin is facing a second-degree murder charge for pinning Floyd to the ground and pressing his knee down on his neck. Floyd pleaded that he couldn't breathe, but Chauvin continued to press down for nearly eight minutes, according to bystander video.Two autopsies were performed and both ruled the death a homicide, although there were differences in what caused Floyd's death.The three other officers, J. Alexander Kueng, Thomas Lane and Tou Thao, will also appear in court Monday. Keung, Lane and Thao will appear in person, while Chauvin will appear via video conference.Their appearances are scheduled to take place around midday on Monday. Hennepin County Judge Peter Cahill has ruled that cameras cannot be present in the courtroom for pretrial hearings, though it remains to be seen if cameras will be allowed in the courtroom during the trial itself.Floyd's death prompted worldwide protests against police brutality and systemic racism. 1144

The Christian evangelist who attempted to convert one of the world's last remaining isolated tribes wrote of his convictions in pursuing the mission even in the face of open hostility and attempts on his life, according to diary entries and notes.In excerpts from his journal, John Allen Chau, the American who is believed to have been killed by members of the isolationist Sentinelese tribe on a tiny, remote island in the Bay of Bengal, wrote of returning to the island to continue his attempts at conversion even after a tribesman shot at him with a bow and arrow, piercing a Bible he was carrying."I hollered, 'My name is John, I love you and Jesus loves you,'" he wrote in his diary, pages of which were shared by his mother with the Washington Post. Shortly after, a young member of the tribe shot at him, according to his account.In pages left with the fishermen who facilitated his trip to the island, his musings are a clear indication of his desire to convert the tribe."Lord, is this island Satan's last stronghold where none have heard or even had the chance to hear your name?" he wrote.His notes indicate that he knew the trip was illegal, describing how the small fishing vessel transported him to the isolated island under cover of darkness, evading patrols."God Himself was hiding us from the Coast Guard and many patrols," he wrote.All seven locals who facilitated the trip have been arrested. 1419

The COVID-19 pandemic has ensured that holiday gatherings will look a lot different for many this year, and for some parents, it might be difficult to explain why to their children.Children's mental health experts at Children's Hospital Colorado say parents need to be direct with kids about the importance of keeping loved ones safe and healthy.Dr. Jenna Glover says that encouraging kids to share their ideas for family gatherings could help them accept the changes. She adds that parents should also emphasize that smaller gatherings are still worth celebrating."(Parents should) really have their kids focus on what they can control and what is still available to them, rather than on a deficit and what they don't have," Dr. Glover said. "So shifting the perspective to, 'this is what we're grateful for having,' rather than, 'this is why we're sad.'"Doctors say it's important to recognize when children are having a hard time accepting smaller gatherings or missing family members. Children may change how they interact with others or express increased irritability or a desire to be alone. Parents might also notice changes in eating or sleeping habits.Experts say that if behavioral changes get serious enough, parents might want to consider professional help for their kids. And with a rise in telemedicine, getting help is a little easier."If a kid can Zoom in with somebody from their bedroom, laying on their bed flopped over, they might feel a lot more comfortable," Dr. Glover said. "That really informal setting, of being in their own space and being able to connect with somebody and share thoughts that maybe they're not willing to talk about with their parents right now."Dr. Glover says parents should be prepared for their kids to compare how their family celebrates with how their friends are celebrating the holidays. She says it's important to empathize with their children and acknowledge their concerns — but adds that parents should remind kids that the pandemic won't go on forever. 2018

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