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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 fine print of newly released federal guidelines for reopening schools raises serious questions about whether in-person classes should resume at a time when COVID-19 rages around much of the country.Last week, the Centers for Disease Control and Prevention (CDC), under pressure from the White House, released a position paper highlighting “the importance of reopening America’s schools this fall.”But separate guidelines issued for K-12 school administrators, which drew less public attention, are much more cautious.“It is important to consider community transmission risk as schools reopen,” those CDC guidelines state.“Computer simulations from Europe have suggested the school reopenings may further increase transmission risk in communities where transmission is already high.”Buried at the bottom of the new CDC recommendation to re-open schools is a HUGE caveat! #COVID19 poses a low risk to kids “at least in areas with low community transmission.” That’s not where much of the country stands right now. 4/ pic.twitter.com/0D5CPxhlIb— Phil Williams (@NC5PhilWilliams) July 25, 2020 The new CDC guidelines suggest, “If community transmission levels cannot be decreased, school closure is an important consideration.”“Plans for virtual learning should be in place in the event of a school closure.”In Tennessee, several public and private schools are preparing to reopen even as almost every county in the state is showing what the Department of Health considers to be unacceptable rates of transmission of the coronavirus.Last week, the American Academy of Pediatrics issued a dramatic clarification of its statement back in June that "all policy considerations for the coming school year should start with a goal of having students physically present in school.""This does not mean that we recommend that all schools open five days a week from the start of the school year," the academy’s Dr. Sean O'Leary told a congressional committee.“Many parts of the country are currently experiencing uncontrolled spread of COVID-19. While the AAP urges those areas to make in-person learning as the goal, we recognize that many jurisdictions will need to utilize distance learning strategies until cases decline."The vice chair of the academy's committee on infectious diseases, O'Leary told the subcommittee that, where there is uncontrolled community transmission, "it's inevitable that the virus is going to get into the schools, and schools are going to have to shut down."U.S. Surgeon General Jerome M. Adams also told CBS This Morning last week that a community's COVID-19 transmission rate is the single most important determinant of whether schools can safely reopen.School reopening advocates point to the emotional, psychological and educational importance of children being in the classroom – a position that the CDC guidelines reaffirm.“Schools provide safe and supportive environments, structure and routines for children, as well as other needed support services to children and families,” the CDC notes.Children are less likely to become ill when infected with the virus, and younger children are less likely to transmit the virus to others, the report adds.But a large-scale study out of South Korea recently reported that children ages 10-19 -- middle- and high-school ages -- can spread the virus as easily as adults.Also, in searching citations in the new CDC recommendation to re-open schools, it appears to completely leave out the large-scale South Korea study that found teens are likely to spread #COVID19 as readily as adults 5/ https://t.co/ABLPvpKQU5— Phil Williams (@NC5PhilWilliams) July 25, 2020 In addition, a new study – shared by the Tennessee Department of Health last week on Twitter – concluded that “young, previously healthy adults can take a long time to recover from COVID-19.” 3828

The CDC is recommending Americans not travel for Thanksgiving during the current spike in coronavirus cases nationwide.“As cases continue to increase rapidly across the United States, the safest way to celebrate Thanksgiving is to celebrate at home with the people you live with,” the Centers for Disease Control and Prevention website reads. “Travel may increase your chance of getting and spreading COVID-19. Postponing travel and staying home is the best way to protect yourself and others this year.”This is the strongest urging from the health agency, which is part of the Health and Human Services Department, asking Americans to take stricter precautions to slow the spread of the coronavirus.There are more than 11 million reported cases of COVID-19 in this country since the pandemic started, and more than 250,000 Americans have died."We're seeing exponential growth in cases," CDC COVID-19 incident manager Dr. Henry Walke said during a press briefing. "The opportunity to translocate disease or infection from one part of the country to another leads to our recommendation to avoid travel at this time."If people are still planning to travel for the Thanksgiving holiday, the CDC has a series of questions on their website for travelers and family members to consider before going ahead with travel plans.Questions include: Are you, someone in your household, or someone you will be visiting at increased risk for getting very sick from COVID-19? Are cases high or increasing in your community or your destination? Are hospitals in your community or your destination overwhelmed with patients who have COVID-19? Do your plans include traveling by bus, train, or air which might make staying 6 feet apart difficult?“We understand that people want to see their family and relatives and do it as they’ve always done it. But this year we’re asking them to limit their travel," Dr. Walke said. The CDC also recommends those who travel to follow all of their guidance for slowing the spread of coronavirus: wear a mask, wash hands, social distance, get the flu shot, and bring extra masks and hand sanitizer.Whether or not there is travel involved, the CDC also recommends some safety precautions when celebrating Thanksgiving with a group of people.These include bringing individual utensils, plates and cups to reduce sharing, wear a mask when around people not in your household - even indoors, use single-use options when possible to reduce sharing.Consider eating outside and limit the number of guests, the CDC says. Also, clean and disinfect touched surfaces between use. If indoors, open windows and doors to allow ventilation.“Celebrating virtually or with the people you live with is the safest choice this Thanksgiving,” the CDC states. 2761

The Broadway League, the trade association that regulates theater performances in New York City, has said that all performances have been suspended until at least June 2021.Anyone with tickets to Broadway shows before June 2021 "should contact their point of purchase" about exchanges and refunds, the association said.“With nearly 97,000 workers who rely on Broadway for their livelihood and an annual economic impact of .8 billion to the city, our membership is committed to re-opening as soon as conditions permit us to do so. We are working tirelessly with multiple partners on sustaining the industry once we raise our curtains again,” Charlotte St. Martin the President of the Broadway League, said in a statement.Broadway shows in New York have been shut down since March 12, when the COVID-19 pandemic began to take hold in the city. In May, Broadway League initially suspended all performances through Septemeber before extending the shutdown through the end of the year in June. 999

The four former police officers who were involved in an arrest that led to the death of George Floyd will asked a judge Friday that their cases be tried separately.In a hearing scheduled on Friday local time in Minneapolis, attorneys for Derek Chauvin, J. Alexander Kueng, Thomas Lane and Tou Thao asked Judge Peter Cahill that it will be "impossible" to evaluate each individuals' actions "in a vacuum," according to the Associated Press.According to the Minneapolis Star-Tribune, prosecutors opposed the requests, noting that witnesses and Floyd's family members are likely to be "traumatized" by multiple trials. They also argued that the "interests of justice" necessitate a single trial."Here, all four Defendants worked together to murder Floyd: Chauvin, Kueng, and Lane pinned Floyd face-down, while Thao stopped the crowd from intervening, enabling the other Defendants to maintain their positions. Defendants also discussed and coordinated their actions throughout the incident," prosecutors wrote in a court filing, according to The Associated Press.The Associated Press also reports that the request by the defendants indicates that the officers will seek to blame each other for Floyd's death. Attorneys for Lane and Kueng have already claimed that because their clients were rookies at the time, they were following the lead of Chauvin.The Star-Tribune also reports that the officers' attorneys sought a change of venue for the trial. Among their concerns about holding the trial in Minneapolis is a "tainted" jury pool.Judge Cahill took all of the defense's requests under advisement, according to ABC News. He did grant their request that four attorneys for the prosecution be dismissed from the case.Cahill said Hennepin County Attorney Mike Freeman and the three other attorneys should be dismissed from the case because they discussed autopsy results with the medical examiner, according to ABC.Defense attorneys have also filed a motion to dismiss the case, but the Star-Tribune reports that the judge is unlikely to discuss that motion Friday.Chauvin has been charged with second-degree unintentional murder, third-degree murder and second-degree manslaughter. The other three officers are charged with aiding and abetting murder and manslaughter.A trial date has been set for March 2021.Floyd died as officers attempted to arrest him for allegedly using counterfeit bills to buy tobacco on Memorial Day weekend. Bystander video showed Chavin kneeling on Floyd's neck for more than eight minutes as Floyd cried for help. All four officers were fired in the days following Floyd's death.Floyd's death sparked a massive wave of protests against police brutality and systemic racism across the country. 2727