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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 coronavirus pandemic has sent many consumers to purchase items online, so it's no surprise this year's spending on Thanksgiving, Black Friday, and Cyber Monday were record-high e-commerce shopping days.According to Adobe Analytics data, shoppers spent .8 billion, making it the highest-grossing Cyber Monday ever. Last year, consumers spent .4 billion.Adobe projected consumers to spend .7 billion this year on Cyber Monday in its early holiday spending forecast.On Cyber Monday, Adobe said the number of orders picked up curbside was up 30% from a year ago, as consumers shopped safely during the pandemic.Many people also used their smartphones to avoid crowds at brick and mortar during the pandemic. Adobe added that purchases made on mobile devices made up 37% of the digital sales on Cyber Monday.Analysts said from 7 p.m. to 11 p.m. Pacific time, customers spent .7 billion, or million per minute, that accounted for 25% of the day's revenue.Adobe said the items most consumers purchased were Lego sets, vTech-brand toys, scooters, video games, Apple AirPods and Watches, HP and Dell computers, as well as Chromecast.According to Adobe, consumers spent billion on Black Friday, making it the third-highest online spending day in U.S. history. In 2019, online sales hit .4 billion.Customers also set records for online shopping on Thanksgiving Day, Adobe said, with shoppers spending .1 billion. 1434

The Emmy Awards will be held live, and socially distanced, Sunday night to celebrate excellence in the television industry. It will be the first big Hollywood event broadcasted live amid the pandemic.Jimmy Kimmel will host from the Staples Center in Los Angeles. Other celebrities taking part include Morgan Freeman, Lin-Manuel Miranda, D-Nice, Patrick Stewart, Jason Bateman, Laverne Cox, Abbi Jacobson, RuPaul and Oprah Winfrey.Rather than using taped segments or elements like other awards shows this year, the Emmys will be using 130 cameras in 20 cities in ten countries to achieve a live show.Some of the nominees will be participating from home, surrounded by friends and family.Show producers are not expecting things to go smoothly, telling CNN Kimmel will be available throughout the night to “jump in as soon as anything goes wrong," producer Reginald Hudlin said.And what will Kimmel do? “If something happens technically, I will be touching upon all the skills I’ve acquired over the course of my life. I know one magic trick. I can kind of juggle. I guess I could draw caricatures of the crew,” Kimmel told The Hollywood Reporter.The 72nd Emmy Awards will air Sunday at 8 p.m. ET on ABC. 1209

The FBI has fired Peter Strzok, an agent who was removed from the Russia probe last year for sending text messages disparaging President Donald Trump, Strzok's lawyer said Monday.Aitan Goelman, Strzok's attorney, said FBI Deputy Director David Bowdich ordered the agent's termination on Friday. Goelman said that the deputy director's decision comes after the head of the office that normally handles disciplinary actions decided Strzok should instead face a demotion and 60-day suspension."The decision to fire Special Agent Strzok is not only a departure from typical Bureau practice, but also contradicts (FBI) Director (Christopher) Wray's testimony to Congress and his assurances that the FBI intended to follow its regular process in this and all personnel matters," Goelman said in his statement.The FBI declined to comment on Goelman's assertions.Strzok played a lead role in the investigation into Hillary Clinton's private email server and was involved in the FBI's recommendation that no criminal charges be filed against the former secretary of state. He later helped oversee the beginnings of the probe into Russian meddling in the 2016 election, and his involvement in both investigations has been seized on by Republicans as evidence of anti-Trump bias in the bureau and those investigating potential coordination between the Trump campaign and Moscow.The President tweeted about the firing Monday afternoon, calling Strzok a "total fraud" and repeated his claim that there was no collusion nor that he obstructed justice."Agent Peter Strzok was just fired from the FBI - finally. The list of bad players in the FBI & DOJ gets longer & longer. Based on the fact that Strzok was in charge of the Witch Hunt, will it be dropped? It is a total Hoax. No Collusion, No Obstruction - I just fight back!" Trump wrote, adding in another tweet, "Just fired Agent Strzok, formerly of the FBI, was in charge of the Crooked Hillary Clinton sham investigation. It was a total fraud on the American public and should be properly redone!"Because Strzok, who is 48, was fired before his 50th birthday, he potentially stands to lose a portion of his pension benefits.His firing was earlier reported by The Washington Post. 2236

The FDA has ended an emergency use authorization (EUA) order for hydroxychloroquine, saying that the agency has determined that drug is "unlikely to be effective in treating COVID-19."In the announcement, the agency said that the benefits of hydroxychloroquine and a related drug, chloroquine phosphate, "no longer outweigh the known and potential risks for the authorized use."The FDA issued the EUA for the drug in March. In April, the FDA warned that the drug should only be used in hospital settings due to the severe side effects some experienced while taking the drug.Shortly after the coronavirus arrived in the United States, President Donald Trump touted the drug as a potential treatment for the disease. He encouraged those sickened with the virus to take the drugs, saying, "what do you have to lose?"Trump said he took the drug for a few weeks in May as several White House staffers contracted the virus. In an open letter, White House physician Sean Conley said he prescribed the drugs after determining that the "potential benefit from treatment outweighed the relative risks."Earlier this month, a study showed that the drug was likely not effective in treating COVID-19. That study was published just days after a separate study — which determined that people who took the drugs died at a higher rate than those who did not take the drugs — was retracted by three of its authors. 1404

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