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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 Florida House on Wednesday passed legislation that would impose new restrictions on firearm sales and allow some teachers and staff to carry guns in school.The Marjory Stoneman Douglas High School Public Safety Act was spurred by the February 14 shooting in Parkland, Florida. The bill, which passed 67-50, now goes to Gov. Rick Scott. He has 15 days to sign it.Earlier in the day, Scott expressed reservations about the provision to arm school personnel. He vowed to review the bill "line by line" before signing it."The group that I'm going to be talking to -- the groups that I care most about right now because it impacted them so much -- is the families," Scott said.Speaking on behalf of the 17 families who lost loved ones in the shooting, Andrew Pollack, whose daughter was killed, urged Scott to sign the bill."We stand united in asking him to sign this historic bill into law," he said after the bill's passage."We thank the House and Senate for voting in favor of protecting our children, but more needs to be done and it's important for the country to unite in the same way the 17 families united in support of this bill."Scott also concerned about waiting period 1187

The FBI and Toledo, Ohio police are searching for a suspect in an armed bank robbery who was mistakenly released from jail earlier this week.According to the FBI, Don Woodson Ellis Jr. allegedly robbed a bank in Toledo on Monday and was arrested and held at the Lucas County Corrections Center. He was mistakenly released on Wednesday night around 10:30 p.m.At the time, he was wearing a black t-shirt, light blue shorts/jeans to the knee and white tennis shoes with dark laces.He was using the name Antwon Moore at the time of the departure from the jail. He is also considered armed and dangerous.The Lucas County Sheriff's Office said Ellis "used deception" to be released back into the community.According to the FBI, he could be in Michigan given his previous criminal record which includes pleading guilty to bank robbery and fleeing/eluding police in Monroe County.Ellis is described as a black male, 28 years old, 6-feet tall weighing 150 pounds.  983

The Centers for Disease Control and Prevention announced in a report on Tuesday that the number of people infected by mosquitoes, ticks and fleas has tripled from 2004 through 2016. And as the number of infections increase, the CDC says the US is not prepared to reverse the trend. According to CDC figures, 27,388 cases of disease from mosquitoes, ticks and fleas were reported in 2004. In 2016, that number had increased to 96,075. “Zika, West Nile, Lyme, and chikungunya—a growing list of diseases caused by the bite of an infected mosquito, tick, or flea—have confronted the U.S. in recent years, making a lot of people sick. And we don’t know what will threaten Americans next,” said CDC Director Robert R. Redfield, M.D. “Our Nation’s first lines of defense are state and local health departments and vector control organizations, and we must continue to enhance our investment in their ability to fight against these diseases.”The CDC said that the most common mosquito-borne viruses were West Nile, dengue and Zika.Here are others facts the CDC provided:  1111

The conversation around wearing different protective gear is expanding. In particular, face shields.Teachers recently asked the nation’s top infectious disease expert, Dr. Anthony Fauci, about it and he said, “if you can get one, it’s not a bad idea.”Fauci went on to say that a shield shouldn't necessarily be worn in place of a mask, but more parents are considering the option for kids.“For some of the kids, a mask just isn't going to work. And in those cases, a face shield can be considered, but I think it needs to be understood that that’s not the default,” said Dr. Preeti Malani with the Infectious Diseases Society of America.Infectious disease experts say there just isn't enough data yet on how much protection a face shield provides.One study found it did significantly reduce the number of inhaled droplets, but cloth masks are also about protecting others. Shields were not as sure to do that as well.“If you're wearing a shield, the respiratory secretions that might be coming from your mouth or nose are not going to be as well contained,” said Malani.In the health care setting, face shields are used primarily to prevent splashing in the eyes.Malani offered this advice about finding the right shield.“It’s important that it’s long enough to really protect the whole face and that it wraps around fully and that it fits well up at the forehead,” said Malani.Companies, including Apple, Nike, General Motors, and John Deere have all started producing face shields.In a JAMA Network open viewpoint, it was pointed out that face shields have some advantages over masks. They can be reused indefinitely, they are easier to clean, they are comfortable, and they help prevent touching of the face. 1719