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The counting is over. Now, the recounting begins.More than three days after the polls closed in Florida, the secretary of state announced on Saturday afternoon that the razor-thin races for governor, senator and agriculture commissioner will be reviewed in a series of recounts.According to unofficial results filed by the counties, Republican Gov. Rick Scott leads incumbent Democratic Sen. Bill Nelson by more than 12,500 votes, or about .15%. The spread in the governor's race is larger, with Republican former Rep. Ron DeSantis ahead of Democratic Tallahassee Mayor Andrew Gillum by nearly 34,000 votes, for a lead of .41%. In the narrowest contest, Democratic agriculture commissioner Nikki Fried's advantage stands at 5,326 votes — just .06% — over Republican Matt Caldwell.With the margins in all three contests at under .5%, the votes will now be recounted by machine. That process must be finished by Thursday at 3 pm ET. Races within .25% will then go to a hand recount of overvotes and undervotes. An overvote means a voter selected more than the allotted options on the ballot; an undervote means a vote selected fewer than the available choices or, in these races, none. The Senate race and the contest for agriculture commissioner both currently both fall within .25%.The Senate race and the contest for agriculture commissioner both currently both fall within .25%.In a statement after the unofficial count was made public, Scott's campaign called on Nelson to opt out of a recount, which is his option under state law."It's time for Senator Nelson to accept reality and spare the state of the Florida the time, expense and discord of a recount," said Scott spokesman Chris Hartline.While the politicians tweeted and activists kicked off new protests this weekend, demonstrators on the streets outside the Broward County Supervisor of Elections office on Friday targeted Snipes, chanting "lock her up" and "fake votes don't count" as she and others worked inside trying to finish the initial vote count. "Make America Great Again" and "Trump 2020" signs and hats were also visible as a group carrying signs supporting Scott and DeSantis were met by another backing the Democrats, as nose-to-nose screaming matches nearly escalated into physical altercations.Scott escalated already rising tensions across the state on Thursday night, when in a news conference he took a page from President Donald Trump and, without citing any evidence, accused "left-wing activists in Broward County" of trying to steal the election for Nelson. The county, in deep-blue portion of South Florida, is notoriously slow in counting its votes and as its tally mounted, Scott's lead had predictably diminished. In a series of tweets on Friday, Trump picked up the thread and accused the Democrats of attempting "Election Theft in Broward and Palm Beach Counties."But Scott's request for an investigation into election-related fraud did not go far. On Friday, the Florida Department of Law Enforcement said it was told by the Department of State, which is run by a Republican Scott-appointee, that they had received "no allegation of criminal activity." Still, Scott's campaign issued an ominous-sounding statement on Saturday morning "encouraging every Florida Sheriff to watch for any violations and take appropriate action."Meanwhile, Nelson's campaign filed suit against the state over its process for validating vote-by-mail ballots.Democratic lawyer Marc Elias, who is running the Nelson recount effort, argued that Florida's signature matching process put an undue onus on the "untrained opinions" of poll workers, which led to a "complete lack of uniformity" in how the ballots were being judged."This serves as an outright disenfranchisement and burden on the right to vote," Elias told reporters on a call Friday.South Carolina Sen. Lindsey Graham has also injected himself into the fight, alleging on Thursday and Friday -- like Scott and the President, with no proof -- that there are "shenanigans going on in Broward and Palm Beach" before suggesting that a sinister cabal of liberals from Washington was at work trying to rig the election. In fact, out-of-state lawyers from both parties, including a handful who had significant roles 18 years ago, have been flocking to Florida ahead of the recount.Leading a call for Scott's campaign on Saturday, Graham touted Scott's legal team and again skewered Broward and Palm Beach election officials for their lack of transparency."Rick has a good team of lawyers," Graham said. "Lawyers are not going to decide this race, the voters will. I support every valid vote being counted. But I also support the rule of law when it comes to voting."Around the state on Friday, allegations and rumors of misplaced or lost votes fueled simmering anger and confusion as the campaigns, lawyers, operatives and freelance rabble-rousers girded themselves for a re-run of the pitched partisan combat that took over the state during the 2000 presidential recount.Outside a mail distribution center in Miami-Dade County, a group of activists with images they said showed undelivered ballots inside tried and failed to get a meeting with a supervisor. Later in the day, a spokeswoman for the U.S. Postal Service said it was "researching the matter to verify that all ballots have been handled in accordance to USPS service standards."Detailed updates on the state of the race had been hard to come by ahead of Sunday's noon reporting deadline, leading Scott to successfully sue top election officials in Broward and Palm Beach Counties for information on the total votes cast and how many of them had been canvassed.In Broward, Supervisor of Elections Brenda Snipes turned over information to Scott and his team for review late Friday. But before midnight, the campaign pushed out a new press release claiming Snipes had not fully complied with the court order "because she refuses to confirm whether or not additional ballots exist that must be counted."Adding to Broward County's troubles, a CNN analysis of votes cast there suggests that ballot design could be responsible for a substantial difference in the number of votes cast between the race for governor and the race for senator in Florida. 6239

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 family of an Iowa teen killed in a fiery bus crash in western Iowa has filed a lawsuit against the Riverside Community School District.Court documents show the family of 16-year-old Megan Klindt allege the district knew there was a problem with the bus driver but did not adequately address it.The documents claim Klindt had complained to her school principal that she felt unsafe with Donald Hendricks, 74, driving the bus.Klindt and the 74-year-old driver both died when the bus caught fire in Oakland, Iowa, in December. 545

The former Louisville Metro Police Officer charged with wanton endangerment for firing his gun into Breonna Taylor's apartment pleaded not guilty during a Monday arraignment. Brett Hankison and his lawyer participated in the arraignment remotely. The former officer pleaded not guilty to the charges he faces. The judge made two stipulations during Monday's arraignment: Hankison has to attend every court hearing, even if it is remotely, and second, Hankison cannot have any firearms. His attorney pushed back, arguing Hankison might need a weapon to protect himself after recent threats. The judge declined the objection. Hankison was charged by a grand jury with three counts of wanton endangerment last week. Of the three officers who fired their weapons that night in March when Taylor was killed, Hankison was the only one charged as a result of the grand jury investigation. Officers were at Taylor's apartment in the early morning hours of March 13 to serve a narcotics warrant in connection with an investigation into an ex-boyfriend. Taylor's current boyfriend, Kenneth Walker, says he did not hear police announce themselves, and says he fired a "warning shot" toward the front door as police broke down the door. Police returned fire. Taylor was shot several times and later died. An autopsy recently released reveals more details about the deadly shot. Hankison is charged with firing several rounds into the building following the initial shootout, allegedly putting Taylor's neighbors in danger. Hankison faces a maximum of 5 years in prison if found guilty. He was fired from the police department in June. In a press conference following the grand jury's announcement, Kentucky Attorney General Daniel Cameron said two other officers, Jonathan Mattingly and Myles Cosgrove, were "justified" in using lethal force because they had been fired upon first. The two officers and Hankison are also facing an internal police investigation into the shooting. Mattingly and Cosgrove remain on administrative duty.The decision not charge officers with Taylor's homicide has prompted protests in Louisville and throughout the country. 2148

The Centers for Disease Control and Prevention has issued recommendations for those looking to receive vaccinations during the pandemic.The CDC said that anyone who needs a vaccine, they recommend getting them at a medical home to "ensure that patients receive other preventive services that may have been deferred during the COVID-19 pandemic.""However, vaccination at locations outside the medical home may help increase access to vaccines in some populations or situations, particularly when the patient does not have a primary care provider or when care in the medical home is not available or feasible," the CDC said. "Regardless of vaccination location, best practices for storage and handling of vaccines and vaccine administration should be followed. In addition, information on administered vaccines should be documented (e.g., through the state-based immunization information system [IIS], patient’s electronic medical record, client-held paper immunization records) so that providers have accurate and timely information on their patients’ vaccination status and to ensure continuity of care in the setting of COVID-19-related disruptions to routine medical services."The CDC said that if your vaccines are due or overdue, they should be "administered according to the recommended CDC immunization schedules during that visit."If you are a child or an adolescent, the CDC recommends that healthcare providers should contact parents of those who have missed well-child visits and schedule an in-person appointment.If you are pregnant, the CDC says if an appointment for your vaccinations is delayed, they should be received on the next in-person appointment.For adults, the CDC said healthcare providers should ensure that steps are taken that their patients receive vaccines according to the Standards for Adult Immunization Practice."Older adults and adults with underlying medical conditions are particularly at increased risk for preventable disease and complications if vaccination is deferred," the CDC said.If you believe you have COVID-19, the CDC says vaccinations should be postponed until you are feeling better. 2141