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The Dow Jones Industrial just closed above 29,000! You are so lucky to have me as your President??With Joe Hiden’ it would crash??— Donald J. Trump (@realDonaldTrump) September 2, 2020 192

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 CEO of a skincare company has issued an apology after she accused a man of "defacing private property" by chalking the words "Black Lives Matter" on the building where he lives in San Francisco.The CEO of LAFACE skincare, Lisa Alexander, issued a public apology to James Juanillo, the man she accosted."The last 48 hours has taught me that my actions were those of someone who is not aware of the damage caused by being ignorant and naive to racial inequalities. When I watch the video I am shocked and sad that I behaved the way I did. It was disrespectful to Mr. Juanillo and I am deeply sorry for that," Alexander's statement read, in part.The video, posted to social media on Friday, shows Alexander and another man, later identified as Robert Larkin, speaking with Juanillo. In the video, Alexander accuses Juanillo of "defacing private property" as he stenciled "Black Lives Matter" in yellow chalk on a wall at his home.Alexander and Larkin told Jaunillo that he was "free to express his opinion," but "that was not the way to do it."Juanillo then asked if it would be OK if he were chalking his own property. Alexander and Larkin said that they knew Juanillo didn't own the property because they "knew who lived there."Juanillo encouraged Alexander and Larkin to call the police if they felt unsafe. Juanillo told KGO in San Francisco that the two did call the police, but when officers arrived, they quickly recognized Juanillo as a resident."I didn't even show (the police) my ID," Juanillo told KGO.KGO also spoke to one of the property owners, who said he does not know Alexander or Larkin.The video of the incident spread quickly on social media, with many referring to Alexander as a "Karen" — a slang term for an entitled woman, often used in the context of racism.Alexander's identity was not independently confirmed until she came forward to apologize. However, Birchbox — a makeup subscription service — released a statement on Twitter denouncing Alexander's actions after Twitter users brought the video to their attention. Birchbox said that it had not worked with LAFACE in "several years," but nonetheless had "officially cut ties with the company."The video also prompted trolls to leave negative Yelp reviews of a Los Angeles-based skincare store, My LA Face, which has no connection to Alexander or her business, LAFACE. A representative for Yelp told KGO that those negative reviews would be removed.Read Alexander's full statement below.I want to apologize directly to Mr. Juanillo. There are not enough words to describe how truly sorry I am for being disrespectful to him last Tuesday when I made the decision to question him about what he was doing in front of his home. I should have minded my own business.The last 48 hours has taught me that my actions were those of someone who is not aware of the damage caused by being ignorant and naive to racial inequalities. When I watch the video I am shocked and sad that I behaved the way I did. It was disrespectful to Mr. Juanillo and I am deeply sorry for that. I did not realize at the time that my actions were racist and have learned a painful lesson. I am taking a hard look at the meaning behind white privilege and am committed to growing from this experience. I would love to have coffee with Mr. Juanillo in our neighborhood so I can apologize in person and share a dialogue where I can continue to learn and grow and be a better person.Robert Larkin also issued an apology statement.Over the last two days, I have had my eyes opened wide to my own ignorance of racial inequity, and I have thought a lot about my own personal blind spots. I was wrong to question Mr. Juanillo, and I was wrong to call the neighborhood police watch. It was wrong, and I am profoundly sorry for treating him with disrespect.I have a lot to learn about how racism impacts people in their lives, daily, I have hurt my neighbor. I am full of regret and very sorry. I am hoping to meet with him soon to express my sincere apology and to ask for his forgiveness and guidance in helping me begin the journey towards being a kinder, more thoughtful and sensitive person. 4144

The current spike in COVID-19 cases is stressing the testing system across the country.As the virus spreads at unprecedented rates, more Americans are seeking COVID-19 tests. But in recent days, companies that make the tests and the supplies needed for them are struggling to keep up with demand."Those companies were operating on an allocation basis, and that just means that basically everything they make is going out the door," said Kelly Wroblewski, the Director of Infectious Disease Programs at the Association of Public Health Laboratories. "There is no reserve, so there's an increased demand in a lab for testing. There's no more reagent to be had, so to meet that demand, that lab has to use a different manufacturer's test."Wroblewski adds that along with issues in getting supplies, officials are also short on human resources — there is only so much lab capacity and only so many trained people to conduct the tests.The American Clinical Laboratory Association says the surge in demand for testing means some labs could reach or exceed their current testing capacities soon — meaning it could take longer for patients to get PCR test results back.Wroblewski says that it can take currently take anywhere from 24 hours to a week to get PCR test results back.With antigen tests, patients can get results back in less than 30 minutes. There is currently enough of a supply for antigen tests, but not all facilities offer them.Both lab groups stress that COVID-19 testing is important, but patients should be strategic."There's been a lot of emphasis put on testing, but testing is only one piece of the puzzle," Wroblewski said. "It gives you some information, and if you're not going to do anything with that information — whether it be targeted closures. whether it be staying home and isolating — we're not going to stop the spread of disease."As far as getting more tests, it's going to take a while. Wroblewski says it could take up to six months or more to increase production capacity significantly. Labs don't expect to see a ramp-up in supplies until early 2021. 2090

The company that owns both Family Dollar and Dollar Tree, Dollar Tree Inc., have reversed their mask policy, again. Customers are now required to wear masks inside their stores.Back on July 8, the company stated consumers must wear masks inside their stores. Two weeks later, they changed its policy to "request" face masks to be worn.Now, they require masks to be worn inside the store at all times."To best help protect one another, and in accordance with guidelines from the Centers for Disease Control and Prevention (CDC), we are requiring all Associates, customers, and vendors to wear face coverings when inside our stores," the company stated on its coronavirus response page on its website.The company also added that store employees would be provided with face coverings. 789