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The first cruise in the Caribbean since the start of the pandemic is reporting a COVID-19 case.A passenger aboard SeaDream Yacht Club’s SeaDream 1 received a preliminary positive COVID-19 test.According to passengers, the captain informed them about the preliminary positive test over the ship’s intercom system while they were anchored off the coast of Grenadines.The vessel is now headed back to Barbados, where it is based.The SeaDream is carrying 53 passengers and 66 crew, with the majority of passengers hailing from the U.S. according to Sue Bryant, who is aboard the ship and is a cruise editor for The Times and The Sunday Times in Britain.The SeaDream is the first vessel to resume sailing in the Caribbean since earlier this year when coronavirus pandemic concerns docked the cruise industry following high profile infections.Passengers were tested both in advance of traveling, before boarding, and again a few days into the trip.The SeaDream has a capacity of about 110 guests and 95 crewmembers. It also sails outside of U.S. waters. This puts it below the 250 guests threshold and outside the area under the CDC’s orders about cruising. 1159

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.Early Wednesday morning, the AP called the presidential race in Arizona for Joe Biden. The state is continuing to count ballots, and in the hours since, President Donald Trump has significantly cut into Biden's lead.Thursday afternoon, officials said there were about 450,000 votes still to be counted in the battleground state. As of 12:30 p.m., Biden had a 2.35 percentage point lead over Trump, an advantage of about 68,000 votes.At 9 p.m. ET, a new trove of votes from Maricopa County, the largest county in the state. Trump gained nearly 11,000 votes, cutting Biden's lead to 46,257. AP executive director Sally Buzbee released the following statement regarding its Arizona projection: "The Associated Press continues to watch and analyze vote count results from Arizona as they come in. We will follow the facts in all cases."All election results remain unofficial until each state verifies its election count.Below is the AP's explanation as to how it made the decision to call the state for Biden.The Associated Press has declared Democrat Joe Biden the winner in Arizona, flipping a longtime GOP state that President Donald Trump won in 2016.The AP called the race at 2:50 a.m. EST Wednesday, after an analysis of ballots cast statewide concluded there were not enough outstanding to allow Trump to catch up.With 80% of the expected vote counted, Biden was ahead by 5 percentage points, with a roughly 130,000-vote lead over Trump with about 2.6 million ballots counted. The remaining ballots left to be counted, including mail-in votes in Maricopa County, where Biden performed strongly, were not enough for Trump to catch up to the former vice president.Arizona has a long political history of voting Republican. It's the home state of Barry Goldwater, a five-term, conservative senator who was the Republican nominee for president in 1964. John McCain, the party's 2008 presidential nominee, represented the state in Congress from 1983 until his 2018 death.But changing demographics, including a fast-growing Latino population and a boom of new residents — some fleeing the skyrocketing cost of living in neighboring California — have made the state friendlier to Democrats.Many of the gains have been driven by the shifting politics of Maricopa County, which is home to Phoenix and its suburbs. That's where Biden sealed his victory. Maricopa County accounts for 60% of the state's vote, and Biden ran up huge margins there.In 2016, Trump carried the county by 4 percentage points, which helped propel him to a win. But two years later, Democratic Sen. Kyrsten Sinema flipped a Senate seat from Republican control by winning the county by 5 points.When the AP called the race for Biden, he was leading there by 9 percentage points.Biden flipping Arizona is a sign of Democrats' ascendant influence in the state.In 2018, Sinema became the first Democrat in three decades to win a U.S. Senate seat in Arizona. Democrats also won three statewide offices and five of nine congressional seats and made gains in the state legislature that year.In 2016, voters ousted Republican Joe Arpaio, Maricopa County's hardline sheriff, who built a national profile on his harsh treatment of immigrants. 3349

The former chief administrative officer for the Department of Housing and Urban Development says she was demoted in part for refusing to spend more than was legally allowed to redecorate Secretary Ben Carson's new office.In a November 2017 complaint obtained by CNN, Helen Foster said she was told to "find money" beyond the legal ,000 limit for redecorating. In one instance, she says a supervisor said that ",000 will not even buy a decent chair."Foster's sworn complaint with the Office of Special Counsel, the independent agency charged with investigating whistleblower complaints made by government employees, says that after she refused to misuse taxpayer dollars for the office redecoration project she was "retaliated against by being taken out of my position as Chief Administrative Officer."She says that HUD's Acting Secretary Craig Clemmensen pulled her aside more than a month before Carson's March confirmation and told her that Carson's wife, Candy, wanted to "help the Secretary redecorate his office suite." Clemmensen asked Foster to assist with "getting Mrs. Carson access and funds for the project," the complaint states.Foster said she told Clemmensen that legally, the department was limited in how much it could spend on the office redecorating project to ,000, information she says she also passed along to the administrative officer in the Secretary's office. But even so, Foster said she received repeated pressure in multiple conversations to "find money" for the redecorating project in excess of what was legally allowed, including in a one-on-one meeting on February 10. Clemmensen, according to the complaint, told Foster that the administration "has always found money for this in the past."In an exclusive interview with CNN, Foster said each time Clemmensen pushed her to assist Carson's wife with finding the money, it was always "in the context of Mrs. Carson wants to do this. We have to find the money.""There was a sense of 'we are not going to take no for an answer.' There was a lot of staff time spent on this" a former HUD employee with knowledge of the situation told CNN."The most frustrating part of all this was spending so much time on this issue," the former employee said. "Instead of focusing on HUD's mission, we were talking about furniture for the Secretary's office.A HUD official disputed Foster's account."When it comes to decorating the Secretary's office, the only money HUD spent was ,200 to put up new blinds in his office and the Deputy Secretary's office,"HUD spokesman Raffi Williams told CNN. "The Secretary's Administrative officer is aware of the limit and ensured that the limit was not exceeded." HUD provided receipts to CNN that total ,373.Neither Candy Carson nor Clemmensen responded to a request for comment.On Tuesday, the liberal group American Oversight sued HUD in an attempt to find out how much taxpayer money Carson used to renovate or redecorate his office.American Oversight said that in November it submitted Freedom of Information Act requests for more than 20 agencies, including HUD, but that HUD did not respond to the information request.The latest allegations come as Carson is facing scrutiny for the role that his family has played in his department, after reports that his son, Ben Carson, Jr., organized an official listening tour in Baltimore last year against the advice of department lawyers that the move risked violating federal ethics rules. Carson has called on HUD's inspector general to review the issue. The IG's office calls it an "open matter." Carson has said that his family is "under attack" and that he wants to "put to rest these unfounded biases."Foster said she was so frustrated and concerned about the pressure she was under that she reached out to Sarah Lyberg, HUD's acting assistant chief financial officer for budget, on February 13. In the email which has been reviewed by CNN, she wrote that she had been asked about "finding additional money.""Is there any way Admin could appropriately spend additional funds over 00 to provide new furnishings or decorating for the Secretary's Office without getting appropriations approval," Foster asked Lyberg in the email.Lyberg responded: "We cannot exceed the cap."Further evidence that the issue continued to be a topic for discussion came On February 22, when the office of HUD's Chief Financial Officer sent a memo to Clemmensen and Janet Golrick, the department's acting deputy secretary, detailing the rules surrounding funds for decorating Carson's office.The memo, which was obtained by CNN, said that spending of more than ,000 "requires advance notice to the House and Senate Committees on Appropriations." If the department failed to give that notice, it would violate the Antideficiency Act, which bars federal agencies from spending federal money before it has been appropriated by Congress.Securing the Secretary 4926

The Department of Veteran's Affairs (VA) is facing a huge undertaking as COVID-19 vaccines roll out to the general public.More than 418,000 healthcare workers and 10 million patients will eventually get the COVID-19 vaccine through the VA.The department received 73,000 doses of Pfizer's COVID-19 vaccine this week, and residents and staff at long term communities run by the department are first in line to be inoculated.There are about 17,500 veterans living in VA long-term care facilities across the country, and several thousand more work in those centers.The vaccine could not have arrived sooner for those staff members and patients."I know a lot of VA medical centers are going through COVID surges right now, alongside with their communities," said Dr. Jane Kim, the Chief Consultant for Preventive Medicine at the VA.Most vaccines are mandatory for military members. For now, the COVID-19 vaccine is still voluntary. That's likely due to the limited supply of the vaccine and because it's only under Emergency Use Authorization right now.Still, veteran doctors want to reassure their patients."I got the vaccine yesterday," Kim said. "I had a sore arm yesterday, but my arm feels good today. I feel fine today. I would recommend this vaccine to my family and also my patients when it's available for them and it's their turn."More than 5,500 veteran patients and 87 VA staff members have died of COVID-19 since the start of the pandemic. That doesn't include state-run veteran's homes.The VA is not responsible for providing COVID-19 vaccines to those state-run veteran's homes. 1596

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

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