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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 deadly wildfires are not only destroying homes and burning everything in their path -- but they're also causing poor air quality.On Tuesday, a thick haze blanketed parts of the Northwest, including Seattle, as fires across the border in Canada burned.The smoke that is blanketing Washington, Oregon and California is smoke coming from the wildfires burning in British Columbia, according to the National Weather Service Seattle.Air quality advisories are in effect for portions of Washington and Oregon, according to the NWS. 537

The doors to Interior Secretary Ryan Zinke's office are getting a nearly 9,000 upgrade.The Interior Department confirmed the project Thursday, saying it is both necessary to replace old doors that are in "disrepair" and attributing the high cost to the historical nature of the building.News of the 8,670 contract comes as several agencies are facing scrutiny over excessive spending. Last month, Housing and Urban Development Secretary Ben Carson withdrew an order for pricey dining room furniture, including a ,000 table. Zinke is also under fire for questionable travel habits.Zinke was unaware of the expense for the doors, Interior spokeswoman Heather Swift said, saying the project was driven by "career facilities and security officials" as part of a decade-long modernization of the 1930s building."The secretary was not aware of this contract but agrees that this is a lot of money for demo, install, materials, and labor," Swift said in a statement. "Between regulations that require historic preservation and outdated government procurement rules, the costs for everything from pencils to printing to doors is astronomical. This is a perfect example of why the secretary believes we need to reform procurement processes."The new doors will be made of fiberglass. The previous sets of doors have been damaged for years, according to an Interior official, to the point where wind and water come into the office during inclement weather, which in turn damaged the historic hardwood floors. Damage has caused bottom panels to fall out and be "replaced with cardboard and duct tape," the official said.The Associated Press previously reported on the door contract Thursday."What a waste. Just think how many dining sets you could have bought or private jets you could have chartered with that money," Rep. Adam Schiff, D-California, joked on Twitter. 1898

The girlfriend of the man killed Thursday after a shooting in a Nashville mall was taken into custody on gun charges. According to an affidavit from Metro Nashville Police, Alexandria Lavender was arrested on two counts of theft of property, ,000 or less, and unlawful gun possession for having two stolen guns with her. The shooting happened just before 2:30 p.m. local time Thursday inside a hallway near an Auntie Anne's pretzel shop, just across from an Old Navy store. Police said two men – identified as Justin Golson and Demarco Churchwell – got into an argument that led to gunfire.Churchwell was taken to Skyline Medical Center in critical condition, where he later died. Golson was arrested and charged with criminal homicide. According to police documents, Churchwell’s girlfriend – Alexandria Lavender – was with him as he was being extracted from the mall. A witness said she had a gun in her purse, which police said could be seen in plain view from the top of the bag. Authorities said she did not have a valid handgun permit. The guns were checked by police records and were found to be reported stolen out of Dickson and Davidson counties.   1238

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

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