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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 federal government has placed thousands of unaccompanied immigrant children in the homes of sponsors, but last year it couldn't account for nearly 1,500 of them.Steven Wagner, a top official with the Department of Health and Human Services, disclosed the number to a Senate subcommittee last month while discussing the state of the Office of Refugee Resettlement (ORR) that oversees the care of unaccompanied immigrant children.Wagner is the acting assistant secretary for the Administration for Children and Families, which is part of the Department of Health and Human Services. ORR is a program of the Administration for Children and Families.CNN reported earlier this month that, in his testimony, Wagner said during the last three months of 2017, the ORR lost track of nearly 1,500 immigrant children it had placed in the homes of sponsors.Wagner's statement has attracted more attention amid reports that immigrant children are being separated from their parents at the US border. 998

The end of the Korean War will be announced later this year, following an historic summit between the leaders of the two Koreas.South Korean President Moon Jae-in and his North Korean counterpart, Kim Jong Un, signed the "Panmunjom Declaration for Peace, Prosperity and Unification on the Korean Peninsula," while standing in the demilitarized zone (DMZ) that has divided the two countries for more than six decades.The announcement, made after a full day of meetings and a 30-minute private conversation between the two leaders, could bring an end to one of the world's longest running conflicts. 605

The Food and Drug Administration approved on Wednesday a treatment for the Ebola virus. This is the first FDA-approved treatment for Zaire ebolavirus infection in adults and kids.Zaire ebolavirus is one of four Ebola virus species that can cause potentially deadly infections. It is transmitted through direct contact with blood, tissue or body fluids of an infected person or wild animal.The treatment, Inmazeb, is a mixture of three monoclonal antibodies and was created by Regeneron Pharmaceuticals. The three antibodies work together to bind to the glycoprotein on the surface of the Ebola virus and block it from entry into the body’s cells.Inmazeb was tested in the Democratic Republic of the Congo during an Ebola virus outbreak in 2018-2019 through a partnership between the local government and the National Institutes of Health.A vaccine for Ebola virus was approved by the FDA in December 2019.Regeneron is also the company behind an experimental antibody cocktail that was given to President Donald Trump following his diagnosis of COVID-19, and which he said “cured” him. Trump was also prescribed the antiviral drug remdesivir and the steroid dexamethasone at the time.Regeneron’s COVID-19 treatment is a mix of two powerful antibodies that are believed to boost the immune response to the coronavirus. Early results seem promising, according to initial tests and a press release from the company.The company has submitted an application to the FDA to get emergency approval of their COVID-19 treatment. 1525

The concerns of COVID-19 are on the minds of many Americans.In the Latino community, the concern is heightened. Latinos are three times more likely to get the virus, according to a Johns Hopkins study. Latino voters recently named the novel coronavirus as a top concern during a Pew Research study.A California doctor has taken a proactive approach to help his community in the state’s Central Valley stop the spread of the disease and help prevent the economic distress the virus can bring.California’s Central Valley, also known as the “Bread Basket of America,” is where most of the food in the United States comes from. It is here where thousands of Latinos work under extreme conditions like triple degree heat, poor air quality, and long hours to put food on your table. The California Department of Public Health shows that nearly half of the deaths in the Central Valley area from the Latino community. They also account for more than 60 percent of the cases.“If there is no one to pick in the fields, if there is not one to pack the meat, which feeds a majority of the country, then the whole country would definitely feel it,” said Dr. Juan Bautista, the medical director at Bautista Medical Center.Dr. Bautista is part of the 60 percent of Latinos that got the virus. Although being relatively healthy, his underlying asthma condition made fighting the virus tough. He was hospitalized for six days.Dr. Bautista says Latinos are high-risk because of the prevalence of diabetes and asthma in the community.“Diabetes places a major factor, not just in your immune system, but also your response to the medications we give with COVID,” he explained.Medications like Dexamethasone can cause patients’ blood sugar to rise. For a diabetic patient, this medication can have bad side effects or even be taken off the table as a form of treatment due to the risks.Reina Gonzalez spent an entire month over the summer on a ventilator. She is a breast cancer survivor, and now, a survivor of this deadly virus. On Tuesday, she was celebrating her granddaughter’s first birth. Months after her initial diagnosis and release from the hospital, she is still unable to work due to her physical condition.“When I start moving or walking or any minimum exercise, my pulse races up a lot and my heart,” described Gonzalez.She feels fortunate to be able to apply for workers' compensation to help pay for her medical bills, but most of Dr. Bautista’s patients aren’t as fortunate.Dr. Bautista says the average cost of a test in the Central Valley is between 0 to 0. In an effort to increase testing, Dr. Bautista is now offering free, rapid testing at his practice. He and his staff are available every weekday from 5:30 to 8:30 p.m., an optimal time for working families. The testing is free and turns out results in 30 minutes or less.Fast test results are critical in this underserved community. It slows down the spread of the disease because people are not returning to work as they wait for test results.“They are not willing to miss work,” said Dr. Bautista, regarding the financial need of his patients.During this time, Dr. Bautista says he has learned medicine isn’t the only thing he needs in order to help his patients. He now finds himself educating them on social services available to them.During the rapids test sessions, programs offering financial aid to those who test positive are offered. The next issue to tackle when it comes to the impact of the virus is the long-term health complications many are left with.“We are starting to learn now that this, although it may have a low death rate the disability it brings, is definitely significant,” he said.With a high survival rate, many will need long-term care, leaving a community that has been disproportionately attacked by this virus with possibly decades of chronic health care issues. 3866