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The Democratic National Committee is eyeing eight American cities for its 2020 Democratic National Convention, a party official tells CNN.The DNC sent requests for proposals to a host of cities and received responses from eight: Atlanta; Birmingham, Alabama; Denver; Houston; Miami Beach; Milwaukee; New York; and San Francisco."The DNC sent the original letters of interest to a broad list of cities that have traditionally been able to meet the preliminary requirements for serving as a host," the official said. "We expect the entire selection process to play out over the next year."The site of the convention often serves as either a symbolic representation of where the party hopes to perform well in the presidential run or an area that represents certain values the party is looking to project.The official also said the party will consider event facilities in each city, transportation options and hotel accommodations.The Republican National Committee plans to announce its 2020 convention site by the end of summer, committee leaders told members earlier this month.The Republicans have kept quiet about the cities they are considering. But Trump campaign manager Brad Parscale has signaled interest in his hometown of San Antonio, and The Charlotte Observer reported that Charlotte, North Carolina, had presented a bid to the RNC.The Democrats held their 2016 convention in Philadelphia. While the selection is considered an honor and a boon for business, it is also regularly a logistical nightmare.Some of the cities being considered by the Democrats would be repeat hosts, including New York, which has hosted five times, most recently in 1992.Atlanta hosted in 1988, Denver hosted in 1908 and 2008, Houston hosted in 1928, Miami Beach hosted in 1972 and San Francisco hosted in 1920 and 1984. 1826

The English city of Manchester came together Tuesday to mark the first anniversary of the terror attack that killed 22 people attending an Ariana Grande concert.Families of the victims, the injured, emergency services and local and national leaders were joined by UK Prime Minister Theresa May and Prince William, the Duke of Cambridge, for a memorial service at Manchester Cathedral.Those inside the cathedral were joined by thousands more across the country in a minute's silence to remember those killed in the suicide bombing as they left the Manchester Arena.Prince William read from Corinthians during a service full of song and tribute to the victims and their families. 685

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 driver who plowed down pedestrians and cyclists on a New York bike path is a "soldier of the caliphate," the ISIS terror group said on its weekly newspaper, without providing evidence to back up its claim.The attack Tuesday killed eight people and left more than a dozen others injured."One of the Islamic State soldiers in America attacked on Tuesday a number of crusaders on a street in New York City," the al-Naba newspaper reported Thursday.The terror group provided no evidence that ISIS had knowledge of the attack before it happened or it was involved in planning it. The article did not name the attacker.Suspect Sayfullo Habibullaevic Saipov has told authorities that he was inspired to carry out the attack after watching ISIS videos and closely followed the terror group's playbook for an attack.While ISIS did not claim direct responsibility for the attack, it described the attacker as one of its soldiers.Suspect's link to ISISThe 29-year-old Uzbek native was charged with providing material support to ISIS, violence and destruction of motor vehicles, said Joon H. Kim, acting US attorney for the Southern District of New York.Saipov drove a rental truck down a bike path in New York's Lower Manhattan, crashed into a school bus and then jumped out, brandishing imitation firearms, officials said. He was shot by New York police Officer Ryan Nash in the abdomen and taken into custody.He didn't enter a plea Wednesday to the federal terror charges.Saipov was so devoted to ISIS, he wanted to display the terror group's flag in his hospital room, documents show. He had about 90 videos and 3,800 images on a cell phone featuring ISIS propaganda, including video of a beheading, according to the complaint.This is the first time the terror group has put such a claim on its newspaper before releasing it on its media wing, Amaq news agency, which is its first point of publication for claims of responsibility.The wording of the ISIS statement -- not claiming the attack as an outright act of ISIS and saying the person carrying the attack is one of its "soldiers" -- mirrors ISIS' language in statements after an attack in France and the nightclub shooting in Orlando last year.No warning signsThose who crossed Saipov's path are trying to reconcile the man they met and the one they are now hearing about.When approached in the lobby of her Brooklyn apartment building, the suspect's mother-in-law said she was in shock."I don't know what happened," she said.Those who knew him in Tashkent, Uzbekistan, and in at least three states he bounced between since coming to America say they saw no warning signs of Saipov being radicalized."He was happy that he was here, he had a family here, and he was a truck driver and his business was really good," said Makhina Kadirova, a childhood friend.His neighbors described him as a quiet and said his family didn't socialize often.Trump calls for death penaltyOn Twitter, President Donald Trump said Saipov should be executed and added that he "would love" to send him to the Guantanamo Bay detention camp in Cuba."NYC terrorist was happy as he asked to hang ISIS flag in his hospital room. He killed 8 people, badly injured 12. SHOULD GET DEATH PENALTY!' the President tweeted Wednesday night.Presidents typically do not comment on pending criminal cases because their statements could be seen as influencing a potential jury pool.Concrete barriersThe Lower Manhattan bike path where the attack took place has reopened, CNN affiliate WPIX reported, as New York started installing concrete barriers to prevent similar terror incidentsThe work started Thursday as part of a statewide review of shared-use paths, according to the New York State Department of Transportation.A total of 57 barriers are being positioned diagonally along the path, leaving enough space for bicycles but not for larger vehicles, CNN affiliate WABC reported. But some local cyclists think the barriers are problematic."There's no way two bikes can pass each other there and the runners as well," New York City resident James Petty told WABC. "There's going to be accidents."Similar concrete barriers were placed in May after a man drove a car onto a crowded sidewalk in Times Square, killing a teenage woman and injuring at least 22 people.  4290

The FBI has located human remains in the wreckage of the Horizon Air plane that crashed Friday after it was stolen and flown by an airport worker."While the focus of our investigation thus far has centered on Richard Russell, 29, of Sumner, Washington, the FBI is awaiting the results of a review by the Pierce County Medical Examiner's Office," FBI Seattle said in a statement.Authorities said Russell took off in the stolen plane at Seattle-Tacoma International Airport on Friday night, flew for about an hour with military jets chasing him and crashed the 76-seater on a heavily wooded island.The flight data recorder and components of the cockpit voice recorder have been recovered and are with the National Transportation Safety Board, according to the FBI. 770