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The company that makes Cream of Wheat says it is initiating an immediate review of its brand and packaging as the nation's institutions hold ongoing conversations about race amid weekslong protests."B&G Foods, Inc. today announced that we are initiating an immediate review of the Cream of Wheat brand packaging," the company said in a statement Wednesday. "We understand there are concerns regarding the Chef image, and we are committed to evaluating our packaging and will proactively take steps to ensure that we and our brands do not inadvertently contribute to systemic racism."Cream of Wheat's packaging includes an image of a black chef. In early advertisements, copy refers to the chef as "Rastus" — a term now considered a slur. The name refers to a minstrel show caricature of a stereotypically happy black man.Cream of Wheat follows in the footsteps of Aunt Jemima pancake mix, which announced Wednesday that it would drop its mascot (also rooted in minstrel show tropes) and change its name. Uncle Ben's rice, which also uses a black man's portrait on its packaging, said it planned to "evolve" the brand, but did not offer specifics.Protests against systemic racism and police brutality across the country were sparked by the death of George Floyd, a black man who died in police custody in Minneapolis. Bystander video from Floyd's arrest showed a police officer, later identified as Derek Chauvin, kneeling on Floyd's neck for more than eight minutes. 1478

The campaign ads are airing every set of commercials on the major television networks right now: Election Day 2018 is here on Tuesday.How many seats are open in the House of Representatives? What is the minimum age a member of the House must be?Take our quiz to see how much you know about the United States' leadership and its duties. If you can't see it below, click here. 382

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 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 colors of an autumn afternoon can be serene, brilliant and breathtaking.“As the days start getting shorter and the nights get longer, that's the cue that the trees get to change the foliage,” said climate scientist Astrid Caldas.That foliage requires a delicate dance of temperature and moisture to produce fall colors. It’s a dance potentially now in jeopardy due to climate change.“Because these things -- temperature and precipitation, rainfall -- are being affected, changed by climate, then the fall foliage can really get affected,” said Caldas, who is a senior climate scientist at the Union of Concerned Scientists, a nonprofit science organization.She said long-term shifting temperature trends and more rain will be disruptive to fall foliage in certain parts of the country.“We are seeing extreme precipitation increase, particularly in the Northeast and the Midwest,” Caldas said.That precipitation was evident in Minnesota, where people found themselves caught off-guard this year by an unusually early snowfall."I had to completely disassemble my fall leaf clean-up box and make sure my plow is still working,” said Greg Futchi, who is a landscape contractor. “We usually get all the leaves down before we see some snow, but not this year."All of that added moisture can lead to a shorter fall foliage season, Caldas said. Yet, repeated and ongoing droughts, like those seen in the western U.S., also bring their own set of problems to autumn leaves.“When it’s very dry, the colors get a little more muted also,” Caldas said. “So, drought can really kind of change completely the setup.”Scientists add that climate change isn’t just going to affect the ways leaves change their colors during the fall. It’s also going to potentially affect where those trees grow in the first place.“When the conditions start changing --like it's starting to get warmer further and further north--well, that's also a possibility that species are going to start migrating farther north,” Caldas said. “So, as different trees start moving to different areas, then the colors may change because the color depends on the tree.”That may mean having to travel farther north to see stunning red maples. It is a change that will be hard to stop unless action is taken on a global scale.“In the long run, if the countries and the whole world is not committed to really reducing emissions and changing to renewables and making that complete change, then it's going to be very hard for us not to see very drastic changes, because small changes are already happening,” Caldas said.Those changes are now encroaching on a time-honored spectacle, courtesy of Mother Nature. 2667