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The FBI issued a warning on Wednesday alerting Americans to scammers using the coronavirus to solicit donations for fraudulent charities.Federal law enforcement officials say they have received reports that scammers are using the pandemic to steal money, personal information or both.The FBI says that often, the fraudsters will use the name of a real charity to conduct their scam. The FBI adds that criminals may spoof their caller ID number to make it appear the call originated from a legitimate charity.“Be careful,” the FBI said.The FBI offered the following advice to Americans:The best way to protect yourself is by doing your research. Here are some tips on how to avoid becoming a victim of a charity fraud:Do your homework when it comes to donations, whether you’re donating through charities, social media, or crowdfunding websites.Look for online reviews of charity organizations or use information from your state’s regulator of charities or from websites like the Better Business Bureau, give.org, charitynavigator.org, or charitywatch.org to check on the legitimacy of charitable organizations.Before donating, ask how much of the donation will go toward the program or cause you want to support. Every organization has administrative costs, and it’s important to understand those structures.Never pay by gift card or wire transfer. Credit cards are safer.After making a donation, be sure to review your financial accounts to ensure additional funds are not deducted or charged.Always do your research before clicking on links purporting to provide information on the virus, purchasing COVID-related products online, or providing your personal information in order to receive money or other benefits. 1724

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 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 day after President Donald Trump signed a historic peace agreement with world leaders and attended a town hall event in Philadelphia, there are reports White House staff members may have tested positive for COVID-19.During his White House briefing on Wednesday, President Donald Trump confirmed that one person, who is part of the WH staff, tested positive for the coronavirus.A reporter for Globo, a Brazillian media outlet, who is part of the White House press corps tweeted Wednesday morning that she learned of the positive cases when the corps own testing was late. 582

The Country Music Association on Friday reversed its decision to ban reporters from asking questions about the Las Vegas mass shooting during its upcoming awards show.The CMA faced criticism after it sent out media guidelines for its "51st Annual CMA Awards" which will be held Wednesday, November 8 at Bridgestone Arena in Nashville, Tennessee, and broadcast live on ABC.The guidelines asked journalists to avoid discussing several politically charged topics, including the mass shooting at the Route 91 Harvest Festival in Las Vegas last month, which left 58 people dead and more than 500 injured."In light of recent events, and out of respect for the artists directly or indirectly involved, please refrain from focusing your coverage of the CMA Awards Red Carpet and Backstage Media Center on the Las Vegas tragedy, gun rights, political affiliations or topics of the like," a section of the guidelines read. "It's vital, more so this year than in year's past due to the sensitivities at hand, that the CMA Awards be a celebration of Country Music and the artists that make this genre so great."But on Friday, the organization reversed that edict."CMA apologizes for the recently distributed restrictions in the CMA Awards media guidelines, which have since been lifted," it said in a statement to CNNMoney. "The sentiment was not to infringe and was created with the best of intentions to honor and celebrate Country Music."The CMA Awards draw some of the music genres' biggest names and for the tenth straight year, it will be hosted by country superstars Carrie Underwood and Brad Paisley.The original guidelines included a warning to those who don't heed them, including potentially missing out on covering country music's premiere event."It's an evening to honor the outstanding achievements in Country Music of the previous year and we want everyone to feel comfortable talking to press about this exciting time," the guidelines state. "If you are reported as straying from these guidelines, your credential will be reviewed and potentially revoked via security escort."The tragedy has stirred a great deal of discussion in the country music community among fans and performers alike, given the genre's association with gun culture.Gun control debate enters country music community: 'Is this the kind of world we want to live in?'Paisley told Rolling Stone last month that he feels the pressure of handling the tragedy correctly while hosting the awards show."We're not going to ignore it, but we're not going to also dwell on that," he said.. "We have to make sure we honor those we've lost, but we also [have to] celebrate this music, which lives on, and do a good job having the heart we need to have on that night. And also the theme of the show this year is very much about unity and coming together as a format."Friday morning, the singer had slammed the ban in a tweet that urged the CMA to reverse the guidelines."I'm sure the CMA will do the right thing and rescind these ridiculous and unfair press guidelines," he wrote. "In 3...2....1....." 3070