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The deadly wildfires are not only destroying homes and burning everything in their path -- but they're also causing poor air quality.On Tuesday, a thick haze blanketed parts of the Northwest, including Seattle, as fires across the border in Canada burned.The smoke that is blanketing Washington, Oregon and California is smoke coming from the wildfires burning in British Columbia, according to the National Weather Service Seattle.Air quality advisories are in effect for portions of Washington and Oregon, according to the NWS. 537

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 destructive storm surge has receded, and the clean up has begun from Hurricane Laura in Texas and Louisiana. But officials along this shattered stretch of Louisiana coast are warning returning residents they will face weeks without power or water amid the hot, stifling days of late summer. Hundreds of thousands of people in two of the hardest-hit states are reported to be without power following the severe storm.The U.S. toll from the Category 4 hurricane stood at 16 deaths, with more than half of those killed by carbon monoxide poisoning from the unsafe operation of generators. President Donald Trump landed in Louisiana Saturday afternoon to tour the damage in Louisiana and will head to Texas next. 720

The Cambridge Analytica scandal has had a number of serious repercussions for Facebook, its users, and the future of privacy around the world.It also temporarily stopped single people from finding true love on Tinder.Shortly after Facebook announced stricter rules for its third-party developers, popular dating app Tinder stopped working. Singles who tried to get some swiping in on their lunch breaks weren't allowed to log in to the app. A pop-up window said "Tinder requires you to provide additional Facebook permissions in order to create or use a Tinder account." Like many apps, Tinder primarily lets people log in with their Facebook credentials."This was part of the changes that we announced today, and we are working with Tinder to address this issue," a Facebook spokesperson told CNN Tech.Upset Tinder users took to Twitter to vent.Facebook is still recovering from revelations that Cambridge Analytica, a data firm with connections to the Trump campaign, accessed the data of millions of its users. Facebook has been rushing to repair its relationship with users, and prevent any future misuses of data by third-parties.On Wednesday, it announced changes to what personal information apps can collect."We will also no longer allow apps to ask for access to personal information such as religious or political views, relationship status and details, custom friends lists, education and work history, fitness activity, book reading activity, music listening activity, news reading, video watch activity, and games activity," Facebook said in its post.It is unclear exactly which part of Facebook's updates caused the issues with Tinder. The app shows you information about potential paramours like age, location and where they went to school. Other dating apps that use Facebook to login, like Bumble, did not experience outages.After Tinder was fixed, many users said their matches were all missing. After a few hours, those matches appeared to have been restored as well.As off Wednesday afternoon, people were able to use the app and -- if only for a moment -- feel a little less alone in the world. 2123

The Girl Scouts of the USA revealed on Tuesday that a French-toast inspired cookie is coming in 2021.In a press release, the organization said the "Toast-Yay!" cookie, which is "dipped in delicious icing and full of flavor in every bite," will be available in select areas sometime next year.In March, due to the coronavirus pandemic, the organization switched to online sales.According to the release, the 2021 cookie season will again turn to sell cookies online and through "virtual cookie booths" on social media."Many girls will offer socially distant or contactless sales and delivery options," the Girl Scouts said in the release. "If local guidelines allow, in-person sales may also be available in certain areas, keeping girls’ safety top priority."The start of the yearly cookie season is typically in January. Still, the organization said the timing and product availability could vary, but you can check your local area to see about a specific cookie. 971