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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 Chicago Police Department is under fire after a video surfaced showing department officers helping the Norfolk Southern Police in an operation that used "bait trucks," container trucks filled with goods left to attract potential thieves.The Facebook video, shot last week by community activist Charles McKenzie, shows a white unmarked truck parked in the largely black Englewood neighborhood."The police parked a truck with boxes of Nike shoes in front of kids ... and when people hop in the truck the police hopping out on them," McKenzie wrote on Facebook.The truck was part of a surveillance operation, nicknamed "Operation Trailer Trap" by police, used to target individuals who had been breaking into freight containers at Norfolk Southern rail yards, Norfolk Southern told CNN. The rail company has its own police force.A man was arrested on August 2 as part of the sting and charged with burglary. The Cook County State's Attorney's Office said the charges against the suspect were dropped on Thursday. The office did not provide additional details about why the suspect was no longer being charged. According to the Chicago Tribune, the suspect is deaf and communicates through sign language, and told police he had entered the trailer to take food.Norfolk Southern dismissed claims that youths were targeted in the operation, adding the suspect apprehended "cut open the safety seal with box cutters, broke into the back of the trailer and only then did they find retail shoes in unmarked brown boxes, previously secured and hidden inside.""Norfolk Southern has the responsibility to ensure the freight we are transporting is safely delivered and does not pose a risk to the communities in which we operate," Norfolk added in a statement. "This week's police operation was intended to directly combat such unacceptable thefts."Chicago Police Superintendent Eddie T. Johnson acknowledged in a news conference on Thursday the department assists local law enforcement agencies with this type of operation."At the end of the day, just because it's out there and it's not yours, that doesn't mean you're supposed to take it," Johnson said. "But as Chicago Police Department, we're going to take a hard look and see if there's something we can do better."At least one local official and the ACLU of Illinois criticized Chicago police for being involved in the operation, arguing the practice created unfair situations of entrapment.Karen Sheley, director of the Police Practices Project at ACLU of Illinois, said in a statement "these stunts won't help" better relationships between police and communities of color in Chicago."Police should focus on reform and improve outreach to communities that have been too often the target of police abuse," Sheley said.In a statement, longtime community activist Lori Lightfoot, who is also a current candidate for mayor, said the use of the "bait trucks" is "an appalling display of misplaced priorities," and made a reference to a string of shootings that left 12 people dead over the weekend."Video footage shows officers antagonizing Chicagoans they are sworn to serve and protect, and creating conflict when their responsibility is to promote public safety," Lightfoot added.Roderick T. Sawyer, alderman for Chicago's 6th Ward, said the operation "serves only to undermine already fragile efforts to build trust between law enforcement and the community."Sawyer called for the city council to hold a hearing on the matter. 3502

The Dan Ryan Expressway roars with cars that feature the power of hundreds of horses. But on Monday, a man and a lone horse disrupted traffic at rush hour.News helicopters followed a man going down the busy freeway late Monday afternoon riding the horse. Police followed the man off the freeway on the city’s south side.Footage then showed the man jumping off the horse and being detained. The Illinois State Police confirmed that Adam Hollingsworth was arrested on three criminal counts. The counts were for reckless conduct, disobeying a police officer and criminal trespass of state-supported property.He was accompanied by several others on motorcycles.Another man, Darron Luster, was arrested for obstruction and resisting arrest. Police accused Luster of trying to gain control of the horse, and disobeyed officers who asked him released the horse.The Illinois State Police confirmed the horse sustained several injuries, including bleeding from the left hoof, the right hoof was injured, and the right side of the horse’s body had sores from the saddle. The horse was taken to Animal Care and Control.The Illinois State Police said that it had met with Hollingsworth on Sept. 9 as he planned on staging a protest on the interstate. The police told Hollingsworth that “he would not be allowed on the Dan Ryan Expressway because it is dangerous and illegal for pedestrians to access the expressway in that manner.”According to CNN, Hollingsworth — also known as the "Dreadhead Cowboy" — was attempting to raise awareness for the U.S. Census so his community could receive more funding for children's services. 1622

The divisive presidential election found students at Westminster High School in Maryland split over a controversial poster that some saw as a symbol of hope. Others viewed it as a knock on Donald Trump. But other symbols like the Confederate flag also sparked unrest at the school."Actually, we had a bunch of people having flags connected to their trucks.  People wearing it all the time,” said Jakob Hill, a 2017 graduate, “It was actually surprising to see it, but it was in the schools. I have a bunch of friends that are still in Westminster and they still see it."But starting today, they won't see it anymore.Superintendent of Schools Stephen Guthrie says both the rebel flag and the Nazi swastika are now banned anywhere on school property."While we were getting complaints from students who were not only offended. It goes much deeper than offense,” Guthrie said. “They really were losing the ability to do their work. This represented hatred to them. They thought it advocated violence. So we went through a process with our attorneys and legally to determine if we could make decisions that would limit that dress."Guthrie points to the move to remove Confederate statues from public lands and the rally that turned deadly in Virginia as evidence the change was needed."We have the Charlottesville issue with the swastika and the Confederate battle flag were side by side with acts of violence and hatred and intolerance, and so we saw this change happening around us," Guthrie said.It is a bid to prevent symbols of hate that can lead to violence."You never know who you're going to offend and it's just safe if you try not to wear them," Melanie Morel of Westminster said.Violence has already erupted among students inside the schools when symbols divide them."We had a couple of fights last year about it actually,” said Hill, “People using racist terms and all that and people taking it under a different context."The superintendent says when students violate the dress code his hope is to make it a teachable moment, rather than a punitive one, in hopes of bringing students closer together. 2160

The family of Jacob Blake is hosting a gathering in Kenosha, Wisconsin on Tuesday ahead of President Donald Trump's visit to the city.The event, which will be held near the site where Blake was shot seven times in the back by a Kenosha police officer, will include a press conference with local officials and family representatives. The event will also include a community clean-up, a food drive, a healing circle, and a voter registration booth.Several days after police officers shot Blake during an Aug. 23 altercation, protests in Kenosha grew violent. The city estimates that million in property damages have been caused by looting and burning amid the unrest.Last Tuesday, 17-year-old Kyle Rittenhouse shot three protesters, two of them fatally, after he drove 20 miles to protect local businesses. Rittenhouse has been arrested in connection with the homicides; his lawyer says that Rittenhouse was shooting in self-defense.In recent days, protests in Kenosha have been peaceful and without incident.The event held by Blake's family comes hours before a visit to the city by President Donald Trump. Several Democratic politicians, including Kenosha's mayor and Wisconsin's governor, have asked Trump to reconsider, saying his presence could stoke more violence in the city.Blake was shot during an altercation with police on Aug. 23. Police say they were responding to a call about a man at a party who "shouldn't have been there."Police attempted to take Blake into custody but say he was non-compliant. Officers say they tried to use stun guns on Blake but could still not take him into custody.Blake had previously told officers he had a knife in his vehicle. At one point during the altercation, as Blake approached his car, Officer Rusten Sheskey shot Blake in the back at least seven times. A knife was later found on the floorboard of the car.Blake is still hospitalized and is paralyzed from the waist down. Sheskey has been placed on administrative leave but has not been charged with a crime. 2020

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