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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 director of the Census Bureau says irregularities have been found during the numbers-crunching phase of the 2020 census. Thursday's announcement makes it less likely the statistical agency can meet a year-end deadline for handing in numbers used for divvying up congressional seats. The Census Bureau already was facing a shortened schedule of two and a half months for processing the data collected during the 2020 census — about half the time originally planned. “These types of processing anomalies have occurred in past censuses,” Census Bureau director Steven Dillingham said in a statement. “I am directing the Census Bureau to utilize all resources available to resolve this as expeditiously as possible. As it has been all along, our goal remains an accurate and statistically sound Census.”The Census Bureau wouldn’t say Thursday what the anomalies were or publicly state a new deadline for the apportionment numbers.Missing the Dec. 31 deadline for turning in the apportionment numbers would be a blow to President Donald Trump’s efforts to exclude people in the country illegally from being counted in the numbers used to determine how many congressional seats each state gets and how .5 trillion in federal spending is distributed.Once the president receives the numbers by the Dec. 31 deadline, the president has about a week or so from the start of the next Congress to transmit them to the House. If the Census Bureau delays turning in the apportionment numbers because of the processing problems, that transfer of the numbers could take place after President-elect Joe Biden takes office.Trump’s apportionment order has been found unlawful by three courts — in New York, California and Maryland. The Justice Department has appealed to the Supreme Court, which is hearing arguments at the end of the month. 1835

The COVID-19 pandemic has been forcing millions of Americans to work and learn from home for several months at this point.But while working and learning from home may be routine, that hasn't made it any easier — meetings are still being sabotaged with rambunctious pets, unreliable WiFi signals and barely-clothed family members.Then, there's the dreaded mute button. Failing to click it (or mistakenly turning it off) has sunk many a meeting in the last five months.And apparently, U.S. senators aren't immune to mute-button woes.During the Senate Committee on Homeland Security and Governmental Affairs' questioning of Postmaster General Louis DeJoy on Friday, Chairman Ron Johnson (R-Wisconsin) recognized Sen. Tom Carper (D-Delware) for questioning. After a few moments, Carper didn't respond, and Johnson moved on to Sen. James Lankford (D-Michigan).Apparently, Carper was at his computer but muted. And when audio was restored to his microphone, it caught the senator frustratingly releasing a series of expletives.Johnson asked if Carper was able to unmute his laptop, adding "we don't want to be on TV again," with a laugh.Following the snafu, Carper was able to conduct his questioning.Later, Carper joked about the incident on Twitter."Those who know me know that there are few things that get me more fired up than protecting the Postal Service! #DontMessWithUSPS," he tweeted. 1396

The CDC is considering changing its quarantine guidelines for those who have been in close contact with someone who is infected with the coronavirus.Currently, those who have been in close contact with someone infected with the virus would be advised to quarantine for 14 days. Possible new guidance would shorten the quarantine period to 10 days. At the end of the 10-day period, a test would be need to end quarantine.In an interview with CNN’s Wolf Blitzer, Adm. Brett Giroir, the assistant secretary for health at Health and Human Services, explains why a 10-day quarantine might be more effective at getting more compliance with the guidance."People are much more likely to listen to a 10-day quarantine than they are a 14-day quarantine,” Giroir said. “If we can shorten it safely with most risk because we have a quarantine plus a test, we have a lot of tests available now, that might improve our public health responses.”Giroir stressed that final guidelines have not been approved, and the current guidance still calls for a 14-day quarantine.“It's not an announcement that is happening but we are reviewing it and the CDC team is modeling it and looking at data every day,” Giroir said.“And it may change or it may not. Just depends on where the data and the evidence wind up." According to the CDC, a person can become infected with the virus up to 14 days following exposure. But researchers say most illnesses begin five to seven days after COVID-19 exposure.A close contact is considered someone who is within 6 feet of someone with the virus for a period of 15 minutes or more over the course of a day. 1626

The coronavirus has ruined a lot of things, but Children's Hospital of Orange County, California, made sure that the virus didn't cancel prom.Choc Ball 2020 had everything, even a disco ball.“I will never forget asking our maintenance crew to help me hang some disco balls from our valet which has never happened before.” Kara Noskoff, a program coordinator for the Child Life department at Children's Hospital of Orange County, said.It's her job to normalize the hospital environment for kids of all ages. She helps throw the oncology ball, which is held every year, to recreate what teems might miss out on at school."It’s not like going to their school dance,” Noskoff said. “They’re in a room full of 200 plus people dancing and taking pictures and dressed up with the health care professionals that took care of them as well as their peers that all have the same scars.”Except it's 2020. And it almost didn't happen due to too many high-risk patients and too many high-risk exposures. But the staff at Children's Hospital decided happiness is important too.“Their mental health and growth and development is so important as well. I’m so proud of… our staff to see that bigger picture and push the boundaries a little bit and find a way to keep them safe but give them these things to look forward to,” Noskoff said.They turned what was supposed to be a huge party into a socially distanced, masked, drive thru experience complete with a theme. "Driving through the decades" had a photo booth, party favors, music and dancing. And it was everything that 17-year-old Veronica Larson could dream of.“There’s a bridge that crosses from the hospital into the employee parking and I looked up and all the nurses that had finished their shift were up in the bridge they were all cheering and clapping there was music playing,” Larson said.Cancer treatment is hard enough. Add in COVID-19 and its restrictions, and teens like Larson have struggled.“I would be considered immunocompromised so I’m being extra careful but there are safe ways like this oncology ball, but I am able to see my peers and that’s one of the reasons why it was so important to everyone being able to have that interaction in such a time of isolation,” Larson said.Back in 2015, Larson was an aspiring gymnast. She suffered a pulled hamstring that led to exhaustion and then a diagnosis of leukemia. She was only 12 years old. Now, she's in remission and building back her strength. And found her way back into gymnastics as a coach.“My hair is growing back. I’m trying to rock the short hair,” Larson said.The medical staff at CHOC is a huge part of Larson's life. After all, they helped her apply for college from her hospital bed. The soon to be freshman at UCLA wants to go into pediatric medicine and credits the children's hospital that gave her so much life with helping her find her future.“Obviously it’s an area I’ve been involved in and I think I can make a difference there and I’ve met incredible people and I would love to be a part of a team of such amazing people,” she said.Amazing people who all got to be together, even if from a distance for one night, created an evening that was just as magical for the staff as it was for the patients.“The night itself blew me away it was beyond anything I could have imagined,” Larson said.Proof that the coronavirus can't steal joy, happiness, or prom. 3390