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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 Department of Education on Friday proposed new rules for dealing with sexual harassment and assault on college campuses that would bolster the rights of those accused of wrongdoing.The proposed rules, which now face a public comment period of 60 days before they are enshrined, seek to narrow the definition of sexual misconduct on campuses at a time of national reckoning about sexual abuse."Every survivor of sexual violence must be taken seriously, and every student accused of sexual misconduct must know that guilt is not predetermined," Education Secretary Betsy DeVos said in a statement. "We can, and must, condemn sexual violence and punish those who perpetrate it, while ensuring a fair grievance process. Those are not mutually exclusive ideas. They are the very essence of how Americans understand justice to function."The new rules would "adopt a clear definition of sexual harassment actionable under Title IX," which prohibits discrimination based on sex for schools and programs that receive federal funding, including protection from sexual harassment.One stipulation would narrow the definition of sexual harassment to mean "unwelcome conduct on the basis of sex that is so severe, pervasive and objectively offensive that it denies a person access to the school's education program or activity." The new policy would be a departure from the Obama administration's broader definition of sexual harassment as "unwelcome conduct of a sexual nature."The new rules also place an emphasis on "presumption of innocence" and would allow those accused the option of cross-examining their accusers.The department's announcement on Friday was certain to be met with outrage from victim advocacy groups. Sexual abuse has been the subject of tremendous attention in the #MeToo era, and allegations of abuse have led to high-profile resignations in entertainment, media and political circles, and were a central factor in last month's confirmation of Supreme Court Justice Brett Kavanaugh.Last year, DeVos announced the department was rescinding Obama-era guidance that pressed colleges to take accusations of sexual misconduct more seriously and provided guidelines for investigations and hearings. DeVos argued the older guidance denied proper due process to individuals who had been accused."The truth is that the system established by the prior administration has failed too many students. Survivors, victims of a lack of due process and campus administrators have all told me that the current approach does a disservice to everyone involved," DeVos said during a speech in September 2017, when she announced the department would be reviewing the policy.The-CNN-Wire 2687

The community in Mayfield Heights, Ohio is mourning the loss of a 17-year-old student who died on Wednesday night. Steven "Stevie" Grieshammer was a junior on the swim team at Mayfield High School. On February 25 during swimming exercises he did not come up from the water, according to a Facebook post by his aunt Missy Bifro Grieshammer. "He was a wonderful boy, a loving son, a fantastic swimmer, and just the sweetest nephew we could have. We will miss him every day," his uncle wrote in remembrance.According to his family, he spent days in a coma.Mayfield City Schools superintendent Dr. Keith Kelly released the following statement to parents and students.Our deepest condolences and most heartfelt thoughts and prayers go out to the Grieshammer family. We will remember Stevie. He touched many through his kindness and determinination. Remain strong and support one another. Keep his memory close by being inspired by his life.— Keith Kelly (@suptmayfield) March 1, 2018 1016

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.From Wednesday through Saturday, Joe Biden had a projected total of 264 Electoral College votes, six shy of the number needed to become president. As Election Day ground on into “election week,” it became increasingly clear that Biden would oust President Donald Trump from the White House. The question, rather, was where he would win, when it would happen and by how much, as late counted ballots in Nevada, Pennsylvania and Georgia continued to keep Biden in the lead and offered him multiple paths to victory. On Saturday, Biden captured the presidency when The Associated Press declared him the victor in his native Pennsylvania at 11:25 a.m. EST, garnering the state’s 20 electoral votes, which pushed him over the 270 electoral vote threshold needed to win. 914

The Fourth of July marks the busiest time of the year for animal shelters as pets are spooked due to the noise of fireworks.In order to keep pets out of the shelter and safe at home, Nationwide Insurance offered the following tips on caring for your pets this weekend:Microchip your pet. While every pet – even indoor cats – should have a collar with an up-to-date ID tag, collars can be easily removed or slipped. That's why a microchip is your best bet for being reunited with a lost pet. Microchips - the size of a grain of rice - are a form of permanent ID injected just under the skin. It's important that owners keep microchip information current.Use pet ID tags. Make sure your pet has an ID tag and that it's being used to its best advantage. Don't waste tag space with the pet's name, your name, or your address. Instead, put "Reward!" on the tag and as many phone numbers as you can fit, including area code. It's best to meet anyone who has found your pet on safe, neutral ground.Talk to your veterinarian about anti-anxiety medications. In recent years, safe and effective medications to treat noise phobia in pets have become widely available. Pick these up before the Fourth of July and follow your veterinarian's guidance on administering them. Once a pet's noise phobia has been activated, it can be difficult to manage the panic and fear they feel.Keep pets secure at home while out. It's not the best idea to take your pet out on the Fourth, but if you do, always use a leash. Once the fireworks begin, bring your pets inside, pull drapes to keep bright lights out, and turn on "white noise" to help dampen the sound. While classical music has been clinically shown to be calming, you can also find playlists or CDs arranged specially to help keep pets more relaxed.If your pet escapes, begin looking for them right away. Contact all area shelters as soon as they're open, and post information in community forums and groups online immediately. Remember that a frightened pet can travel pretty far or be picked up by someone out of the area, so cover nearby areas as well. Cats tend to hide when lost or frightened, so post flyers in your neighborhood and ask neighbors to check sheds, garages, and other possible hiding places.Keep looking. Pets can be found weeks and months after they're lost and are usually reunited because of a microchip.Remember - fireworks aren't the only hazard. While parties may not be as common this year because of social distancing, even small family gatherings can be troublesome. Make sure visitors keep medications locked up and are asked to help keep doors and gates closed. In addition, summer celebrations mean food and other hazards that should be avoided. More information on those dangers can be found here. 2773