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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 first round of the NFL Draft got underway Thursday evening and Oklahoma quarterback Baker Mayfield was selected as the first overall draft pick by the Cleveland Browns. Mayfield will likely take over as Cleveland's starting quarterback in the fall after the Browns finished the 2017 season with a winless 0-16 record. Mayfield was a three-year starter at Oklahoma after starting one season for Texas Tech. He threw for 131 touchdowns over his four collegiate years, which is fourth all time in NCAA Division I history. According to most NFL Draft experts, five college quarterbacks will likely be selected in the first round on Thursday. The group includes USC's Sam Darnold, Oklahoma's Baker Mayfield, Wyoming's Josh Allen, UCLA's Josh Rosen and Louisville's Lamar Jackson.  807

The deaths of 22 more children from flu-related causes were reported Friday by the US Centers for Disease Control and Prevention in its weekly surveillance report.Those deaths bring the total number of children reported to have died to 84 since October, when the current flu season began. Three out of four children who died from the flu had not gotten a flu vaccine, the acting director of the CDC said in a Thursday news conference. "We continue to recommend parents get their children vaccinated even though it's late in the season," Dr. Anne Schuchat said. The season may continue for several more weeks, she added.  633

The British Broadcasting Corporation has reportedly opened an investigation into how journalist Martin Bashir secured Princess Diana's 1995 interview with the network after a shocking allegation aired during a two-part documentary on the British network ITV on Monday and Tuesday.According to USA Today, Bashir allegedly asked a graphic designer to create fake bank statements to persuade Princess Diana to talk to him on camera.According to the New York Times, doubts rose about how Bashir obtained the interview, but an earlier BBC internal investigation exonerated him.During the Nov. 20, 1995 interview, which aired on the BBC's program Panorama, the Princess spoke about how she desperately wanted her marriage to Prince Charles to work. She also spoke about the pressure from the media and her husband's infidelity that caused her to "escape" in binges of eating and vomiting, the Associated Press reported.According to the AP, an estimated 15 to 20 million viewers watched the Princess discuss her life, her children, and her estranged husband Prince Charles. 1074

The Farmers’ Almanac has released its wintertime forecast for 2020-21 on Monday, and said it is expecting a cold, snowy winter for much of the United States.Where it is normally cold enough to snow in the US, the Farmers’ Almanac predicts above average snowfall in most areas.From the Mississippi River to the east, the US is expected to see below normal temperatures. The northern Plains and Rockies will also see colder than average temperatures according to the almanac.The Pacific Northwest could see some of the most pleasant weather of the winter in the US, with mild and dry conditions expected there. The southwest is expected to see normal temperatures.Snow lovers, before you get too excited by the forecast, know that long-term forecasts have a tendency to be off.Last year, the Farmers’ Almanac predicted a “Polar Coaster Winter” for much of the US. Those predictions did not come to light, especially in the Midwest, which had a well above average winter.Still, the Farmers’ Almanac stands by its projections."Preparing people for the unexpected is more important than ever," states editor Peter Geiger, Philom. "Our job as editors of the Farmers' Almanac is to pass down valuable tips and advice to help our readers thrive, no matter the obstacles."To see more detail on the Almanac's forecast, click here. 1328