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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 city is opening a code enforcement investigation into an apartment complex that is made up almost entirely of short-term vacation rentals.The complex, called The Louisiana, is on University Avenue in North Park. A company called Sonder has leased each of its 13 market-rate apartments to rent to visitors (the complex has two affordable units as well). A one-bedroom apartment is listed at 0 per night for a weekend in October. The city made the call after a group called Save San Diego Neighborhoods held a press conference outside the complex Thursday.Board member Brian Curry said this type of business is contributing to the city's supply crunch that pushes up rents. He also questioned whether the complex, permitted as mixed-use apartments, is allowed to be operated more like a hotel. "It is simply wrong to steal housing from our residents to meet the visitor room night demand," said Curry. In a statement before the city announced its investigation, Sonder defended its arrangement with the developer. "Sonder San Diego strictly complies with all local laws and pays all local taxes, period. Contrary to recent false claims, our location on University Avenue is fully licensed, legal and not zoned ‘residential' but for commercial and mixed-use with visitor accommodation allowed by right," the statement said. "We look forward to continuing to grow and give back in San Diego while working with the City on real solutions for affordable housing.”Additionally, the buildings developer said the extra funds from the lease with Sonder is helping to fund other housing construction faster. Councilwoman Barbara Bry, who attended Thursday's news conference, said the city can't build its way out of its housing crisis without addressing the proliferation of short-term rentals. 10News has reached out to Sonder for comment on the city investigation. 1871

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 Department of Homeland Security formally requested that the Pentagon extend the deployment of active-duty troops on the southern border Friday, potentially extending their deployment 45 days beyond the original deadline of December 15."Given the ongoing threat at our Southern border -- today the Department of Homeland Security submitted a request for assistance to the Department of Defense to extend its support through January 31, 2019," Department of Homeland Security spokeswoman Katie Waldman told CNN in a statement."This request refines support to ensure it remains aligned with the current situation, the nature of the mission, and (Customs and Border Protection) operational requirements," she added.The Pentagon confirmed receipt of the request but said Secretary of Defense James Mattis had yet to sign off on it:"We have received the Request for Assistance from the Department of Homeland Security, it is with the Secretary (of Defense) for consideration."There are currently some 5,600 troops at the border, divided among Texas, California and Arizona.President Donald Trump sent the troops after spending the weeks leading up to the midterm elections decrying a procession of migrants that was still thousands of miles from the US border. Last week, Trump granted the troops new powers to aid in "crowd control, temporary detention and cursory search" while protecting Customs and Border Protection personnel from the migrants, should they engage in violence.Defense officials have suggested that some of the troops, primarily engineers involved in enhancing infrastructure at points of entry, could be drawn down in the relative near term as those tasks are completed.Two officials tell CNN that the number of trumps assigned to the mission is likely to drop to 4,000 as a result.Other functions, including helicopter support to help move Customs and Border Protection personnel to different areas along the border, are likely to continue.The deployment's extension means the Pentagon's initial cost estimate of million for the border deployment is likely to increase as that estimate was based on the mission ending on December 15. 2175

The FDA wants to remind parents that infants under 1 year old can't have honey after four infants in Texas were hospitalized with botulism. Each of the infants had been given a pacifier containing honey, according to the Texas Department of State Health Services. Symptoms of infant botulism include difficulty breathing, constipation, poor feeding, general weakness, drooping eyelids and loss of head control. It can lead to death if left untreated. Botulism is a serious illness caused by a toxin that attacks the body’s nerves and can cause difficulty breathing, paralysis and even death. Honey may contain bacteria that produces the toxin in the intestine of babies that eat it.By the time children get to be 12 months old, they’ve developed enough other types of bacteria in their digestive tract to prevent the botulism bacteria from growing and producing the toxin. 910

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