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The Chico Mall has everything you'd expect to find there during the holiday season -- non-stop Christmas music, trees and oversized ornaments, along with signs advertising great deals for increasingly frenzied shoppers.It also has a temporary classroom space and a FEMA Disaster Recovery Center to help people who lost their homes in the Camp Fire, which devastated nearby Paradise, California, and the surrounding area.While they're at the mall to sign up for benefits or take care of other business, a lot of parents are bringing their kids to meet Santa Claus, said Jim Hoskins, the Chico Mall Santa.The Kentucky native, who said he'd prefer you call him Santa, has a gentle voice and a kind smile. He ended his interview with a quick "Ho, ho, ho" as he hung up the phone.He said you'd never know that many of the children he's met had lost their homes."Most of them are smiling," he said, though he does have to win over the occasional crier. "They are astounding."The kids' basic needs have been taken care off, thanks to FEMA and the generosity of the community, Hoskins said, so they're asking Santa for dirt bikes, iPhones, Paw Patrol toys and something called L.O.L Surprise dolls.But many of them do ask for something that Santa can't give -- a home."I usually say 'I can't do this in a year. I don't have the magic to do it right now, but we will get you one,'" he said. "I can't give them instant gratification on that, but I can give them some satisfaction that it will be done."He said some children have been concerned that Santa wouldn't be able to find them since their homes have burned down. He says they don't need to worry about that."I say 'I know your relatives and I've got GPS to track you with,'" he said. "It makes them feel better once their parents confirm it."Kylie Wrobel took her 7-year-old daughter, Ellie, to see Santa on Saturday.The first thing she asked for was toys for her dog, Daisy."She has the biggest heart," Wrobel said. "She was worried about our dog before herself, and then she asked for a Barbie mansion."Wrobel said she only grabbed her cell phone charger before leaving her Paradise rental house. She didn't have rental insurance, so they lost everything.Wrobel usually takes a picture of her daughter and Santa on her phone instead of buying one from the mall, she said, but this year's photo was really cute -- and it's the only hard copy photo they have now.They picked out a frame and put it out in the trailer where they're living, she said, along with their "Elf on a Shelf."Kathleen Mahnke said that Santa waved at her twin boys, who are about to turn two, as they they were walking through the mall to the FEMA center."As a mom, I can tell who is a kid lover," she said. "He was kind and fun, and patient with understanding that young kids take a while to warm up to strangers."She said she also appreciated the mall offering half off the photo packages for people who went through the fire.Hoskins says he's amazed by how resilient the children and their parents are when he meets them."I see more positive outlooks and attitudes than I do negative," he said. 3141

The Duke and Duchess of Cambridge have named their third child Louis Arthur Charles, a choice that confounded expectations.Prince Louis (pronounced Loo-ee) is fifth in line to the British throne, after grandfather Prince Charles, father Prince William and his two older siblings."The Duke and Duchess of Cambridge are delighted to announce that they have named their son Louis Arthur Charles," Kensington Palace said in a statement. "The baby will be known as His Royal Highness Prince Louis of Cambridge. 513

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 Democratic National Convention gets underway this week. Republicans will hold their convention next week. While this year's convention is virtual for both parties, have you asked yourself what's the point of these anyway?CONVENTIONS YEARS AGO WERE DIFFERENT Americans have known for months that Joe Biden is going to be the Democratic nominee and that Donald Trump would be the Republican nominee. However, before political parties started relying on primaries, conventions were the place the nominee was decided.In 1856, it took Abraham Lincoln three rounds of voting to become the Republican nominee. In 1924, Democrats needed 103 ballots over 16 days to pick John Davis as their party nominee.CONVENTIONS PURPOSE In 1948, networks began televising conventions and since then, many argue conventions have become taxpayer-funded spectacles for insiders. While taxpayers are no longer directly funding conventions, they are paying for security. In 2016, it was estimated that around 0 million of taxpayer funds were spent on convention security. 1952 was the last year both political parties had a contested convention; however, party insiders believe conventions still play a pivotal role. Conventions are where networking can take place and where delegates can debate the party platform. It's also a place where training sessions can occur and speeches can take place. Could Barack Obama have become president in 2008 without his speech at the 2004 convention? Sure, it's possible, but that speech was credited with making the Illinois state senator a household name. WILL 2020 CHANGE CONVENTIONS? With the events now online, after these next two weeks, both parties will likely sit down and see if in-person conventions need to be changed at all. Do parties need a full week of expensive arena space? Or would that money be better spent on staffing in swing states? Will Americans tune in like they did in 2016 this year? These are just some of the questions that will be asked following the conventions. 2023

The erratic stock market just made a serious comeback.Fears about slowing earnings growth sent the Dow careening 549 points lower on Tuesday before the index raced back to life.By the closing bell, the Dow was only down 126 points, or 0.5%.Similarly, the Nasdaq closed down 0.4%, erasing the vast majority of a 2.6% plunge. The index also climbed out of a technical correction, a 10% decline from prior highs.The S&P 500 suffered its fifth straight loss. But the broad index finished just modestly lower after touching its weakest point in nearly four months.Market veterans saw little reason for the dramatic recovery -- other than the fact that stocks had gotten to oversold levels."It was an impressive day. We reversed on very little news," said Art Hogan, chief market strategist at B. Riley FBR.Hogan pointed to how the rebound was led by two of the most beaten-down corners of the market: homebuilders and chip makers.Stocks sold off early on Tuesday after major US companies reported gloomy results and guidance. Disappointing numbers from Caterpillar and 3M reinforced ongoing concerns about how long blockbuster profits can last, especially given tariffs and rising costs."Investors are skittish about whether we've seen a peak in earnings," said Mark Luschini, chief market strategist at Janney Capital Management. "It's a schizophrenic market environment where things that didn't matter suddenly do."It's been a scary month for investors. The Dow and Nasdaq are on track for their worst months since January 2016."The market is fragile," said Rich Guerrini, CEO of PNC Investments. "But we're telling our investors to relax. We're in a correction. I think the market does have some legs left."The CNN Business Fear & Greed Index slipped further into "extreme fear." A month ago the gauge of market sentiment was flashing "extreme greed."Wall Street was also spooked by extreme turbulence in China, the epicenter of the trade war. The Shanghai Composite dropped 2.3% overnight. The sell-off wiped out a chunk of Monday's spike, the benchmark index's best day since March 2016. 2114