济南硬度不够怎么办(济南阴囊干枯脱皮) (今日更新中)

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 E.W. Scripps Company is a partner with The Associated Press and has been following guidance from their election desk on 2020 race updates.Until Saturday morning, Pennsylvania was not called despite Biden gaining a lead on Friday.The Associated Press declared Democrat Joe Biden the winner of his native Pennsylvania at 11:25 a.m. EST. The AP called the race for Biden, who held a 30,952-vote lead after it determined that the remaining ballots left to be counted would not allow Trump to catch up. Under Pennsylvania law, a recount is automatic when the margin between two candidates in a statewide race is less than 0.5 percentage points. Biden’s lead over Trump was on track to stay outside of that margin. The AP called the race for Biden after it determined that the remaining ballots left to be counted would not allow Trump to catch up. 854

The Department of Labor just released its latest report showing jobless claims in the U.S. remain elevated. About 1.43 million people filed new unemployment benefits claims last week. There are about 19.3 million continued claims or people still unemployed.With so many Americans looking for work right now, a lot of people are being targeted by scammers.“I was actually scammed myself,” said Amelia Brockman.In March, shortly after Brockman uploaded her profile to the gig site Upwork, she had her first experience with what’s known as an employment scam.“On Upwork, I was looking for work and a job I found would pay a lot of money for it,” said Brockman. “I was desperate because I didn’t want to go back to actual outside work.”This put her in a vulnerable place, where she ignored some warning signs.“I got the job. It seemed legit,” she said. “Then, he started asking if I am going to pay you, I need you to go buy Google cards. Something about how he needed to put me in the system.”She never got paid, in fact, she lost roughly ,000 in Google card purchases.“People are heartless at this point. Not everyone, just the scammers,” she said. “It is getting ridiculous.”Over the past three months, while looking for other work, Brockman has come across at least 40 other job scam posts, including one where during an online interview, the interviewer started asking her for personal info and to purchase equipment.“I called the company and eventually I texted him back and said ‘dear sir, that is a scam. You don’t work for them,’ and he blocked me,” said Brockman.According to the Better Business Bureau, employment scams are the riskiest scams right now. A newly released report by the BBB, shows 53% of the people targeted by employment scams are unemployed and roughly 75% of the people actually scammed are in a personal financial crisis.To avoid being a victim of an employment scam yourself, the BBB says there are a few things you can do. They include noticing if a job posting has grammatical errors or misspellings. If it does, it is usually a scam.The BBB says you should remember that you should never have to pay to get a job or have to provide you credit card and bank account information. Legitimate employers provide a paper check option.Lastly, try to research the company or employer to see if they have had complaints.If you come across a posting that you suspect is a scam or get scammed, report it.“You should go report it, because I did not report mine until months later to the point where another state called me and you don’t want to be scammed the same way,” said Brockman. 2613

The death toll from the 6.9-magnitude earthquake that hit the Indonesian island of Lombok more than a week ago has surged to 436, authorities said Monday.The number is expected to rise further as search and rescue efforts continue in the rubble strewn across the island by the quake and another one that struck on August 9.Indonesia's National Disaster Management Agency (BNPB) has been working with the country's military and police to supply aid and food to the 350,000 people displaced by the quakes.As of Monday, 21 tonnes of aid had been delivered on a cargo plane, according to BNPB spokesperson Sutopo Purwo Nugroho. 631

The Boy Scouts of America is considering filing for bankruptcy, the Wall Street Journal reported Wednesday.Boy Scouts leadership has hired the law firm Sidley Austin LLP for possible chapter 11 bankruptcy filing assistance, people familiar with the matter told the Wall Street Journal.According to the newspaper, filing for bankruptcy would halt the many lawsuits the organization faces alleging inappropriate conduct by employees.In a statement released Wednesday "in anticipation of news reports that will speculate about the BSA's financial position," the Boy Scouts said no immediate decisions are expected."We are working with experts to explore all options available to ensure that the local and national programming of the Boy Scout of America continues uninterrupted," Michael Surbaugh, chief scout executive, said in the statement."We have an important duty, and an incredible opportunity, to focus as an organization on keeping children safe, supported and protected, and preparing youth for their futures through our nation's foremost program of character development and values-based leadership training."The statement acknowledged legal costs related to lawsuits against BSA alleging sexual or inappropriate conduct with boys."We believe (victims), we believe in fairly compensating them and we have paid for unlimited counseling, by a provider of their choice, regardless of the amount of time that has passed since an instance of abuse," the statement said.The-CNN-Wire? & ? 2018 Cable News Network, Inc., a Time Warner Company. All rights reserved. 1576

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