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The former head of USA Gymnastics has been accused of removing documents linked to the Larry Nassar sexual abuse case from the famed Karolyi Ranch gymnastics training facility in Texas, authorities said.Steve Penny was arrested Wednesday nearly three weeks after he was indicted by a grand jury for tampering with evidence, the Walker County District Attorney's office said.He was detained after US Marshals tracked him to a cabin in Gatlinburg, Tennessee. He is being held at the Sevier County Jail while awaiting extradition to Walker County, Texas.If convicted of the third-degree felony charge, Penny could face up to 10 years in prison and up to a ,000 fine.The indictment claims Penny ordered the removal of documents from the Karolyi Ranch in Walker County, Texas with "the purpose of impairing the ongoing investigation by destroying or hiding the documents," after he learned the investigation was underway, the Walker County District Attorney's office said.Authorities claim the documents were later delivered to Penny at the USAG headquarters in Indianapolis, Indiana. The records are currently missing.The documents would have helped law enforcement investigate Nassar and would have "assisted with the investigation of other offenses that may have occurred at the Karolyi Ranch," the district attorney's office said in a statement. 1370

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 first full slate of preseason games kicked off Thursday night, bringing NFL players back into the field for more football and more protests.Several players took a knee, raised fists or did not take to the field while the National Anthem was played before a dozen preseason games began across the country.The Miami Herald reported that Dolphins wide receiver Kenny Stills, along with wide receiver Albert Wilson, knelt during the anthem before a home game against Tampa Bay.WTVJ Miami reported that Dolphins defensive end Robert Quinn raised his fist during the song. 578

The College Football Playoff semifinal at the Rose Bowl is moving to AT&T Stadium in Arlington, Texas.Bill Hancock, executive director of the College Football Playoff, made the announcement in a statement Saturday night on the eve of the release of the final playoff rankings.The College Football Playoff and Rose Bowl "mutually agreed" to move the game because of the growing number of coronavirus cases in Southern California."We are pleased that parents and loved ones will now be able to see their students play in the game," Hancock said.The move came after several coaches expressed their dismay about possibly traveling to the Rose Bowl to play in a game where players' families wouldn't be allowed.Los Angeles County is under a stay-at-home order that took effect earlier this month. Pasadena, home to the Rose Bowl, has its own public health department but has mostly followed the county's practices during the pandemic.A source told The Associated Press that the Rose Bowl sought an exemption from the state of California to allow families to attend but was denied twice.Hancock said the game will still be played in the mid-afternoon on New Year's Day."We are very grateful to Rose Bowl officials and the city of Pasadena," Hancock said. "They have worked hard to listen to the concerns of the CFP, the teams that might have played there, and their state and government officials. The Tournament of Roses has acted in the best interest of the people who live in Southern California, and we're grateful to Cotton Bowl and AT&T Stadium officials for their ability to make this late switch possible." 1624

The devastation left by Hurricane Michael in several states is still coming into focus, with coastal Florida cities destroyed beyond recognition, and homes, businesses and agriculture torn or swamped from Georgia to Virginia.More than 1 million customers were left without electricity, and emergency officials have no access to many towns. The US death toll has risen to at least 17 -- including five in Virginia and eight in Florida -- and it's expected to climb."I expect the fatality count to rise today and tomorrow as we get through the debris," Federal Emergency Management Agency Administrator Brock Long said Friday morning.Michael, which smacked Florida's Panhandle as one of the most powerful hurricanes to hit the United States, left Virginia's coast as a post-tropical low early Friday -- and its trail of destruction will take weeks to take into account.Aerial footage shows coastal cities in the Panhandle, like Mexico Beach, wiped out. Search teams used dogs as they combed the area for people killed or trapped in debris.One death was reported in Mexico Beach -- that of an elderly man found alone, Mayor Al Cathey said.City manager Tanya Castro said Mexico Beach won't be up and running for 12-18 months and advised people who evacuated not to return.Dawn Vickers rode out the storm in Mexico Beach, but her house and vehicles were demolished. Without cell phone service or transportation, she has been taking shelter in one of the few condos left standing, invited by someone she met at what's left of a gas station."This has been the worst nightmare I've ever been through in my life," she told CNN on Friday.A psychiatric hospital in Florida is isolated after downed trees blocked roads around Chattahoochee, and a tree caused a water line to break. The facility is running on power generators, and helicopters have delivered food and water, the state's Department of Children and Families said. 1938