濮阳东方收费标准濮阳东方医院男科看早泄收费便宜,濮阳东方妇科口碑好很不错,濮阳东方医院治疗阳痿好不,濮阳东方医院收费正规,濮阳东方医院看妇科病好不好,濮阳东方医院男科看阳痿非常便宜,濮阳东方医院男科割包皮评价比较好

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 City of Tucson rejected the resignation of Tucson Police Department Chief Chris Magnus Thursday.According to City Council member Steve Kozachik, City Manager Michael Ortega rejected the resignation. Magnus has helmed TPD since January 2016.Magnus offered his resignation at a Wednesday press conference in which TPD revealed video of the incident in which 27-year-old Carlos "Adrian" Ingram Lopez died in police custody April 21.TIMELINE: What happened after a man died while in TPD custodyMayor Regina Romero said Magnus has the support of her office, as well as the City Council.Here is Romero's statement: 620

The FDA said on Wednesday that some vials of the Pfizer coronavirus vaccine, which began being administered to health care workers earlier this week, are overfilled with doses. These doses, the FDA says, can be used for additional vaccinations, which will help expand the supply.Each vial of the Pfizer vaccine contains five doses. But after the vaccine is thawed and administered, those administering the vaccine discovered it is possible to get a sixth, or even seventh dose from the vaccine.This discovery could potentially allow more health care workers to become vaccinated, extending the supply of the vaccine.“However, since the vials are preservative free, it is critical to note that any further remaining product that does not constitute a full dose should not be pooled from multiple vials to create one,” the FDA said.A Pfizer spokesperson said that each dose of the vaccine must contain .3 mL of the vaccine. The spokesperson said that the amount of vaccine in each vial varies, depending on what type of needles and syringes are being used.According to FDA data, the federal government has allocated 2.9 million doses of the vaccine for the first round of distribution. Those being vaccinated will need to return in 21 days to get a booster in order for the vaccine to be fully effective. 1310

The Food and Drug Administration released updated safety standards Tuesday for makers of COVID-19 vaccines despite efforts by the White House to block them, clearing the way for requirements that are widely expected to prevent the introduction of a vaccine before Election Day.In the new guidelines posted on its website, the FDA said vaccine makers should follow trial participants for at least two months to rule out any major side effects before seeking emergency approval. That standard had been a sticking point between the FDA and White House officials, who said it could unreasonably delay the availability of COVID-19 vaccines.President Donald Trump has repeatedly insisted a vaccine could be authorized before Nov. 3, even though top government scientists working on the effort have said that timeline is very unlikely. On Monday Trump said vaccines are coming “momentarily,” in a video recorded after he returned to the White House.Former FDA officials have warned that public perception that a vaccine was being rushed out for political reasons could derail efforts to vaccinate millions of Americans.A senior administration official confirmed Monday that the White House had blocked FDA’s plans to formally publish the safety guidelines based on the two-month data requirement, arguing there was “no clinical or medical reason” for it.But on Tuesday, the FDA posted the guidance on its website, making clear that regulators plan to impose the safety standards for any vaccine seeking an expedited path to market.FDA Commissioner Stephen Hahn said in a statement that he hoped the guidelines would help “the public understand our science-based decision-making process that assures vaccine quality, safety and efficacy.”The requirements are aimed at companies seeking rapid approval through the FDA’s emergency authorization pathway. That accelerated process, reserved for health emergencies, allows medical products onto the market based on a lower bar than traditional FDA approval. But FDA has made clear only vaccines that are shown to be safe and effective will be authorized for coronavirus.Former FDA acting commissioner Dr. Stephen Ostroff said the requirements seem reasonable given the agency is in largely “uncharted territory” in terms of considering emergency use of a vaccine. The agency has only previously cleared one vaccine through the method — a decades-old shot that was authorized to prevent anthrax poisoning in 2005.“There really is no margin for error here,” Ostroff said. “Even when you’re talking about limited use of a vaccine there has to be some level of assurance that there isn’t a risk here that would far outweigh the benefit.”Dr. Peter Marks, the head of FDA’s vaccine division, said Tuesday that the two-month follow-up requirement was chosen to be “something reasonably aggressive, but not too conservative — right in the middle.” He spoke at a symposium organized by Johns Hopkins University.Initial doses of vaccines for emergency use would likely be reserved for medical workers and people with health conditions that make them particularly vulnerable to coronavirus. Full FDA approval for the general population will require significantly more data and is not expected until mid-2021.The White House attempt to block the guidance followed a string of instances in which the Trump administration has undercut its own medical experts working to combat the pandemic. FDA’s Hahn has been attempting to shore up public confidence in the vaccine review process for weeks, vowing that career scientists, not politicians, will decide if the shots are safe and effective.Pfizer CEO Albert Bourla has stoked excitement by saying that he expects data on whether the company’s candidate works to be ready in late October. But a number of variables would still have to align for the company to submit, and the FDA to review and greenlight, a vaccine application before Nov. 3. Pfizer’s competitors Moderna, AstraZeneca and Johnson & Johnson are working on longer research timelines.Vaccine development typically takes years, but the U.S. government has invested billions in efforts to accelerate the process and help multiple drugmakers prepare multiple candidates. All the doses will be purchased by the federal government for use vaccinating the U.S. population.Beyond exposing the rift between the White House and FDA, the delay in releasing the guidelines may have had limited practical effect.FDA scientists have been discussing the guidelines publicly for weeks and have made clear that the recommendations have already been shared with each of the vaccine developers.Former FDA Commissioner Scott Gottlieb said Tuesday that drugmakers depend on the FDA’s science-based endorsement to vouch for the safety and effectiveness of their products.“I can’t imagine a circumstance where a sponsor would challenge or seek to undermine the FDA’s role here,” Gottlieb said at the COVID-19 symposium. “This is precisely the moment when we need an objective, neutral arbiter.”Last week, Gottlieb and six other former FDA commissioners blasted the Trump administration for “undermining the credibility” of the agency in a op-ed calling for the release of the then-stalled vaccine guidelines.“Scientists should make decisions based on data, unfettered by political pressure or the intrusions of ideology or vested interests,” the officials wrote.___AP Medical Writer Lauran Neergaard contributed to this report.___The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education. The AP is solely responsible for all content. 5644

The cremated remains of notorious cult leader Charles Manson were scattered on a California hillside following a Christian funeral on Saturday, nearly four months after his death.The burial came one week after Manson's grandson, Jason Freeman, won the right to his grandfather's body after a court battle that began shortly after Manson's death on November 19.The family "acted like ninjas" to keep the funeral in Porterville, California, from gaining attention, Freeman said.About 20 people attended, he said, describing them as his grandfather's best friends from before and during Manson's 46-year incarceration.Among them was Sandra Good, a member of the original "Manson Family." Good was not part of the grisly two day killing spree that terrorized the nation in 1968. But she remained a follower and extolled Manson's environmental directive known as Air, Trees, Water, Animals (ATWA).Manson's body was dressed in an orange ATWA T-shirt for the funeral. His remains were cremated after the service.Also attending was Afton Burton, who was briefly Manson's fiancée in 2014. She was 53 years younger than Manson.Freeman battled two other men with Manson connections for the right to dispose of the remains -- Michael Brunner, who claimed to be Manson's son and Michael Channels, a long time Manson friend and memorabilia collector. Freeman invited both to the funeral. Neither showed up.During the court fight, both Freeman and a probate attorney talked about Manson's body being kept "on ice" by the Kern County Coroner. However, Freeman told CNN that the funeral home told him they "had a mess on our hands," and that there was "gross neglect to the corpse." Freeman said it was clear to him that his grandfather had not been properly stored.But Stephen Wells, a spokesman for the Kern County Sheriff's department, said that Manson's body "wasn't treated any differently than any other body" being stored by the coroner's office. Wells said it was kept refrigerated, and that "after four months it would have the standard decomposition."Freeman is a devout Christian, and had a local pastor from Porterville lead the service.Also at the service was a documentary camera crew working with Freeman on a film about his father -- Charles Manson Jr., who committed suicide when Jason was a boy.While the fight over Manson's remains is over, the court battle for his estate -- including personal items as well as music rights -- is still being fought in court. Freeman, Brunner, Channels and Matthew Robert Lentz, who also claims to be Manson's son, all head to probate court in Los Angeles again on Friday."It was great for everybody to come together for the first time," said Freeman's wife, Audrey, who accompanied him to the funeral. "It was a gift to us."  2775