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The CDC is now recommending “universal mask use” both indoors and outdoors whenever someone is not at their own home. This is the first time the agency has included indoor spaces in their recommendations for universal mask wearing.It comes as coronavirus cases in the U.S. continue to surge past 14 million positive cases and deaths climb above 277,000, with many states only beginning to see a potential second spike from Thanksgiving celebrations.In the CDC’s weekly report, they said with more time spent indoors with the colder weather, the ongoing holiday season and silent spread of the disease with about 50 percent of transmission happening from asymptomatic people, “the United States has entered a phase of high-level transmission where a multipronged approach to implementing all evidence-based public health strategies at both the individual and community levels is essential.”These include universal mask use, physical distancing, avoiding nonessential indoor spaces, increased testing, prompt quarantine, enhanced ventilation, and widespread vaccination coverage. The agency stresses “no single strategy can control the pandemic,” and all of these recommendations will be needed to break transmission chains.The CDC warns that indoor spaces and crowded outdoor spaces, especially where distancing is not maintained or consistent use of face masks is not possible, i.e. like when eating or drinking, “have been identified as particularly high-risk scenarios.”“Compelling evidence now supports the benefits of cloth face masks for both source control (to protect others) and, to a lesser extent, protection of the wearer,” the CDC guidelines now read. “Face mask use is most important in indoor spaces and outdoors when physical distance of ≥6 feet cannot be maintained. Within households, face masks should be used when a member of the household is infected or has had recent potential COVID-19 exposure.”Any indoor spaces should also have good ventilation, the CDC says. "For indoor settings, increased room air ventilation can decrease the concentration of small droplets and particles carrying infectious virus suspended in the air and, thereby, presumably decrease the risk for transmission."The World Health Organization recently updated their guidelines that everyone 12 and older should wear a mask outside, inside and even inside people’s own homes if they are poorly ventilated. They recommended that children ages 6-to-11 should wear a mask based on a “risk-based approach.”Earlier this week, the CDC said they recommend against traveling this holiday season to slow the spread of the coronavirus. They made a similar plea before Thanksgiving, however the TSA reported record-high airport screenings since the pandemic started. 2758

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 Broward County Sheriff's deputy who was assigned to be the school resource officer at Stoneman Douglas High School during last week's massacre that left 17 dead resigned this morning after being suspended without pay, Sheriff Scott Israel announced on Thursday. Israel said that Deputy Scot Peterson was outside of the building during the time of the shooting. According to Israel, video evidence suggested that Peterson remained outside for four minutes. The entire mass shooting lasted an estimated six minutes, Israel said.Related story: Parkland shooter Nikolas Cruz recorded during 911 call in Palm Beach County 648

The COVID-19 pandemic has ensured that holiday gatherings will look a lot different for many this year, and for some parents, it might be difficult to explain why to their children.Children's mental health experts at Children's Hospital Colorado say parents need to be direct with kids about the importance of keeping loved ones safe and healthy.Dr. Jenna Glover says that encouraging kids to share their ideas for family gatherings could help them accept the changes. She adds that parents should also emphasize that smaller gatherings are still worth celebrating."(Parents should) really have their kids focus on what they can control and what is still available to them, rather than on a deficit and what they don't have," Dr. Glover said. "So shifting the perspective to, 'this is what we're grateful for having,' rather than, 'this is why we're sad.'"Doctors say it's important to recognize when children are having a hard time accepting smaller gatherings or missing family members. Children may change how they interact with others or express increased irritability or a desire to be alone. Parents might also notice changes in eating or sleeping habits.Experts say that if behavioral changes get serious enough, parents might want to consider professional help for their kids. And with a rise in telemedicine, getting help is a little easier."If a kid can Zoom in with somebody from their bedroom, laying on their bed flopped over, they might feel a lot more comfortable," Dr. Glover said. "That really informal setting, of being in their own space and being able to connect with somebody and share thoughts that maybe they're not willing to talk about with their parents right now."Dr. Glover says parents should be prepared for their kids to compare how their family celebrates with how their friends are celebrating the holidays. She says it's important to empathize with their children and acknowledge their concerns — but adds that parents should remind kids that the pandemic won't go on forever. 2018

The former Minneapolis police officer charged with killing George Floyd and three other officers accused of aiding and abetting in his death are scheduled to appear in court on Monday.Derek Chauvin is facing a second-degree murder charge for pinning Floyd to the ground and pressing his knee down on his neck. Floyd pleaded that he couldn't breathe, but Chauvin continued to press down for nearly eight minutes, according to bystander video.Two autopsies were performed and both ruled the death a homicide, although there were differences in what caused Floyd's death.The three other officers, J. Alexander Kueng, Thomas Lane and Tou Thao, will also appear in court Monday. Keung, Lane and Thao will appear in person, while Chauvin will appear via video conference.Their appearances are scheduled to take place around midday on Monday. Hennepin County Judge Peter Cahill has ruled that cameras cannot be present in the courtroom for pretrial hearings, though it remains to be seen if cameras will be allowed in the courtroom during the trial itself.Floyd's death prompted worldwide protests against police brutality and systemic racism. 1144

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