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The Food and Drug Administration (FDA) has cleared the way for a generic version of EpiPen to be created.The FDA’s approval for a generic version, which will be created by Teva Pharmaceuticals, could help alleviate issues like high cost for the life-saving allergy medication.Two year ago, prices for EpiPens skyrocketed, as manufacturer Mylan raised rates from less than 0 for a two-pack to close to 0.But new action by the FDA paves the way for a generic form of the drug, so pharmacies can now offer a generic form to customers, without having to call the doctor to write a new prescription."Oh, it's a huge deal for consumers because the current price is astronomical for a drug that you hope never to use,” says Gerard Anderson, a professor at Johns Hopkins University who has testified about drug prices before Congress.EpiPens have been experiencing shortages, made even worse by the back-to-school orders placed by parents. Anderson says this move to create generic forms should help with the supply and bring prices down.“You’re still gonna get the same drug administered,” says Anderson of the generic forms of the medication. “And so, as a consumer, as a parent, I would choose a less expensive alternative.” 1233

The FDA has ended an emergency use authorization (EUA) order for hydroxychloroquine, saying that the agency has determined that drug is "unlikely to be effective in treating COVID-19."In the announcement, the agency said that the benefits of hydroxychloroquine and a related drug, chloroquine phosphate, "no longer outweigh the known and potential risks for the authorized use."The FDA issued the EUA for the drug in March. In April, the FDA warned that the drug should only be used in hospital settings due to the severe side effects some experienced while taking the drug.Shortly after the coronavirus arrived in the United States, President Donald Trump touted the drug as a potential treatment for the disease. He encouraged those sickened with the virus to take the drugs, saying, "what do you have to lose?"Trump said he took the drug for a few weeks in May as several White House staffers contracted the virus. In an open letter, White House physician Sean Conley said he prescribed the drugs after determining that the "potential benefit from treatment outweighed the relative risks."Earlier this month, a study showed that the drug was likely not effective in treating COVID-19. That study was published just days after a separate study — which determined that people who took the drugs died at a higher rate than those who did not take the drugs — was retracted by three of its authors. 1404

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 Florida recount deadline passed on Thursday afternoon with at least one of the state's largest counties unable to complete the task.Florida law stipulates that any races with margins outside 0.25% can now be certified by law. Races that are still within that range will head to a manual recount of overvotes and undervotes to be completed by Sunday at noon.Election boards in every Florida county have been using voting machines to recount ballots this week, with some of the larger counties working all day and night. There are currently three statewide races -- the contests between Democratic Sen. Bill Nelson and Republican Gov. Rick Scott for Senate; Democratic Tallahassee Mayor Andrew Gillum and Republican former Rep. Ron DeSantis for governor; Republican Matt Caldwell and Democrat Nikki Fried for agriculture commissioner -- that were within the .5% margin required for a statewide machine recount.The fiery race between DeSantis and Gillum is the most likely to come to a formal end. The Republican led by roughly 33,000 votes after the initial count. Gillum, who conceded the race on election night before taking back his concession a few days later, tweeted on Wednesday, "I believe that we win," hinting that he believes the gap could narrow. But there is no evidence yet that he made up enough ground to extend the fight.The two other contests are significantly closer and appear likely to head to a hand recount. Nelson and Scott are divided by roughly 12,000 votes, which is why most of the flurry of recent legal action has been spun out of their race.Palm Beach County missed the deadline, which a court ruled on Thursday afternoon will not be extended.Hours before the cutoff, a federal judge in Tallahassee rejected a Democratic motion to extend the deadline beyond 3 p.m., meaning last week's unofficial count out of Palm Beach County will likely stand.Nelson's campaign and the Democratic Senatorial Campaign Committee argued that deadlines for both the machine and subsequent hand recounts should be lifted for however long is determined is necessary by the counties."The Florida legislature chose to define emergency narrowly -- only as an event that results or may result in substantial injury or harm to the population or substantial damage to or loss of property," Judge Mark Walker wrote in explaining his decision. "The emergency exception does not apply in this case, where the delay is the result of outdated and malfunctioning vote-counting technology."Palm Beach County has been hampered repeatedly by faltering machinery and shoddy infrastructure.Susan Bucher, the county's supervisor of elections, told reporters on Thursday she takes "full responsibility" if the county fails to recount before today's deadline."As a supervisor I take full responsibility. That's my job. It was not for lack of human effort ... it was so incredible, and I thank everybody who participated," she told CNN's Rosa Flores during a press conference.Bucher told reporters a little more than 24 hours before the cut-off, slated for 3 p.m. on Thursday, that she was in "prayer mode." On Sunday, hours after the recount began, Bucher said that completing the process would be "impossible."CNN has not called the Senate race between incumbent Nelson and his challenger, Republican Gov. Rick Scott. Before the recount began, Scott led Nelson by around 12,000 votes. The margin in the gubernatorial race between Republican Ron DeSantis and Democrat Andrew Gillum, which is also subject of the recount, is larger, with DeSantis up on Gillum by around 33,000 votes.Bucher's worries were compounded on Tuesday when the county's old and overheated machines malfunctioned, forcing officials to start their recount of early votes from scratch. By Wednesday, the already distant hopes of an on-time finish seemed to be slipping away.CNN observed long stretches of inaction on the floor of the cavernous facility which has been occupied by reporters, lawyers and operatives from both parties, and volunteers who have been working -- when the hardware complies -- day and night."It's an unusual request to make of your staff. You know, can you leave your kids behind, stay here and I'll feed you sub sandwiches and pizza and you'll work your brains out," Bucher said on Wednesday. "We're trying to meet a deadline that really reasonably shouldn't be there."Democrats agree -- and will make their case in a federal court in Fort Lauderdale on Thursday morning at 9 a.m.Lawyers for Nelson's campaign and the Democratic Senate campaign arm are suing to allow all 67 counties the time they say is required to complete their recounts. According to a legal filing, the Democrats will argue that enforcement of the current deadlines, including another on Sunday at noon for a potential hand review, would violate the constitutional rights of "thousands of Florida voters at risk of disenfranchisement in the 2018 general election."If their suit is rejected and Palm Beach County fails to complete its work on schedule, the state is expected to certify the unofficial results as initially reported ahead of the recount.A spokeswoman for the Florida Department of State told CNN on Sunday that Florida law does not give the secretary of state the authority to grant extensions.Palm Beach County GOP Chairman Michael Barnett told CNN on Sunday afternoon that a blown deadline would be "good news for Republicans, because our candidates (for Senate and governor) are ahead.""If they're not able to meet the deadline, the secretary of state of Florida may go ahead and certify the elections for our candidates," Barnett said. "In that case, you can bet your butt there will be lawsuits filed everywhere."Barnett, who was inside the facility along with Democrats early on in the recount, was critical of the infrastructure there from the start."It's an outdated process," he said. "The machinery is old. They don't have enough updated machinery to go through all the ballots to run one election, let alone all three statewide races."As of 4 p.m. Wednesday, at least 48 of Florida's 67 counties had finished their recounts. Every one of them reached by CNN -- with the exception of Palm Beach -- expressed confidence they would get in under the wire.In a different lawsuit, a federal judge in Florida ruled Thursday that the state must give voters whose mismatched signatures disqualified their provisional and mail-in ballots until Saturday at 5 p.m. ET to correct those signature problems -- extending the deadline by two days. 6536

The classified ads website Backpage.com has been seized by federal law enforcement agencies, according to a banner that popped up on the site Friday.The banner says, "backpage.com and affiliated websites have been seized as part of an enforcement action" by the FBI, US Postal Inspection Service and the IRS Criminal Investigation Division.Lawmakers on Capitol Hill and advocacy groups have long called for an investigation into Backpage.com for allegedly facilitating prostitution and sex trafficking.A spokesperson for the Justice Department confirmed to CNN that the website has been seized and that additional information would be made available Friday evening. However, a judge decided that the federal case should remain sealed on Friday night. No other additional information was provided.A two-year Senate investigation into online sex trafficking found that found that Backpage.com knowingly aided criminal sex trafficking of women and young girls, simply scrubbing terms from ads such as "Lolita," "teenage," "rape," "amber alert," and publishing them on its site. After the investigation was published in January 2017, Backpage.com shut down its adult ads section.The company has been targeted with several lawsuits over the years, but has been largely protected by Section 230 of the 1996 Communications Decency Act, a legal protection that gives a broad layer of immunity to online companies from being held liable for user-generated content. Companies are supposed to act in good faith to protect users, but critics argue the law can be used as a shield. The law, however, does not, protect sites from federal liability against criminal law, like child-pornography laws.Last month, however, the Senate approved bipartisan legislation called the Stop Enabling Sex Traffickers Act. The legislation would create an exception to Section 230, which would pave the way for victims of sex trafficking to hold websites accountable for facilitating abuse.Two days after the Senate approval, Backpage competitor Craigslist removed its personal ads section.The-CNN-Wire 2080