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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 crude oil crash just got worse.US oil prices plummeted nearly 7% on Tuesday to .43 a barrel. That marks the cheapest closing price since late October 2017.The latest deep selloff coincided with more mayhem on Wall Street. The Dow shed more than 600 points on Tuesday as fears about slowing earnings and economic growth deepen."In times of crises, all assets correlate," said Matt Smith, director of commodity research at ClipperData. "Crude has gotten caught up in the flight from equities."In the span of just seven weeks, crude has gone from spiking to nosediving into a bear market. Fears of a new supply glut and weakening demand have wiped out 30% of its value since hitting a four-year high of a barrel in early October.Crude has sold off by about 7% twice in the past week. The November 13 decline of 7.1% was the worst in three years.Beyond the stock market tumble, energy analysts saw few new reasons for the energy plunge."Oil traders are overwhelmed by bearish news," said Clay Seigle, managing director of oil at Genscape. "The broad selloff in equities has traders concerned about the possibility of an economic slowdown, which could reduce demand for oil products."One new development may have also helped weigh on oil prices. President Donald Trump signaled on Tuesday he won't punish Saudi Crown Prince Mohammed bin Salman for the death of Washington Post journalist Jamal Khashoggi."It could very well be that the Crown Prince had knowledge of this tragic event -- maybe he did and maybe he didn't!" Trump said in a statement. Energy traders may be interpreting the White House comments on US-Saudi ties as a sign that the kingdom won't aggressively cut oil production to support the market. Trump has repeatedly urged Saudi Arabia and OPEC not to do anything that will lift prices."If we broke with them I think your oil prices would go through the roof," Trump told reporters at the White House Tuesday.He also said he was "not going to destroy the economy of our country" over the murder of Saudi journalist and Washington Post contributor Jamal Khashoggi.OPEC is scheduled to meet next month in Vienna to weigh a potential output shift."You've got to think OPEC will be looking to make a sizable cut to try to reign in supplies and find a floor for prices here," said ClipperData's Smith.Not long ago, OPEC was under pressure to ramp up output in a bid to avoid 0 oil. Traders feared a supply shortage caused by the Trump administration's sanctions on Iran, the world's fifth biggest oil producer.However, the Trump administration took a softer approach on Iran than it initially signaled. Temporary waivers were granted to China, India and other buyers.By that point, Saudi Arabia, Russia and the United States had already ramped up output, leaving the market with a potential glut. US production has been especially strong, driven by the shale boom in the Permian Basin of West Texas. US output alone is expected to spike by 2.1 million barrels per day in 2018.At the same time, the global growth worries spooking Wall Street threatens to eat into demand. The International Energy Agency warned last week of "relatively weak" demand for oil in Europe and advanced Asian countries as well as a "slowdown" in India, Brazil and Argentina."The outlook for the global economy has deteriorated," the IEA wrote.The-CNN-Wire 3361

The death toll from a powerful explosion in Beirut Tuesday has reached 100 and is still climbing. At least 4,000 others were injured.While no one knows yet exactly how many people died in the blast, the destruction was so extensive that the shockwave was felt across the city.The blast, which began as a fire in a port warehouse, happened just after 6 p.m. local time.Beirut's emergency services were so overwhelmed that it was up to whoever could help to provide comfort to the injured. Open lots were turned into field hospitals.In an instant, lives were lost and livelihoods were destroyed."The whole house collapsed on us," one woman who survived the blast said.Following the explosion, Michel Haibe visited the site of what used to be his electrical goods store."Forty years," Haibe said. "War, we've seen woes of every kind, but not like this. As if the economic crisis, coronavirus, the revolution weren't enough, this tops them all."Life was already a struggle in Lebanon with its economy in freefall and the coronavirus on the rise. Now, the country's capital must dig out of another tragedy."We got here an hour ago, and as you can see, it's completely and utterly destroyed," bar owner Hadi Shahlawi said. "We've been open since last October and we've been fighting every month with different circumstances — the economic situation. It's catastrophic; what's happening in Lebanon is a catastrophe." 1417

The CDC announced Friday a pilot project intended on decreasing chronic diseases in high-risk communities. The government is putting million toward the project to address five areas of social detriments.Some groups—including racial and ethnic minorities, those living in poverty, and people in certain parts of the country—are disproportionately impacted by the burden of chronic conditions, the CDC said.“Chronic diseases touch every American, in one way or another,” said Karen Hacker, M.D., M.P.H., director of CDC’s NCCDPHP. “This important pilot project will help us better understand strategies to advance health equity and reduce the immense burden of chronic disease.”The program will address five areas on concern, said the CDC:Built environment: human-made surroundings that influence overall community health and individual behaviors that drive healthCommunity-clinical linkages: connections made among health care systems and services, public health agencies, and community-based organizations to improve population healthFood insecurity: an economic and social condition characterized by limited or uncertain access to adequate and nutritious foodSocial connectedness: the degree to which individuals or groups of individuals have and perceive a desired number, quality, and diversity of relationships that create a sense of belonging and being cared for, valued, and supportedTobacco-free policy: population-based preventive measures to reduce tobacco use and tobacco-related morbidity and mortality.The CDC said it will work with the Association of State and Territorial Health Officials and the National Association of County and City Health Officials to identify community to join the pilot program. 1727

The coronavirus continues to play havoc on college football teams throughout the United States as 15 Division 1 FBS games have been postponed or canceled for this weekend.Of the 15 contests, six involved AP Top 25 teams, including No. 1-ranked Alabama, No. 3 Ohio State and No. 5 Texas A&M. No conference has been impacted more than the SEC, which postponed four of its seven games scheduled for Saturday.The most anticipated matchup of the weekend, top-ranked Alabama versus defending national champion LSU, was postponed on Tuesday after LSU reported multiple COVID-19 cases.Maryland, who was scheduled to take on Ohio State, reported eight COVID-19 cases among its players.For schools with multiple coronavirus cases, a key issue is contact tracing and quarantining close contacts of those positive with the virus. The CDC recommends that anyone who has been within six feet for 15 minutes of someone infected with the virus to quarantine for up to two weeks.Texas A&M athletics direct Ross Bjork said contact tracing was a significant factor in postponing its game against Tennessee this weekend.“The nature of away game travel (flights, meals, lodging, locker room, etc.) naturally leads to an increase in the number of student-athletes, coaches and staff who meet the criteria for mandatory quarantine based on contact tracing guidelines,” Bjork said in a statement. “We are asking everyone around our university community to stay vigilant and follow all of the safety protocols and best practices as we approach the end of the fall sports seasons.”Here are the games postponed or canceled this weekend:No. 1 Alabama vs LSUNo. 3 Ohio State vs MarylandNo. 5 Texas A&M vs TennesseeNo. 12 Georgia vs MissouriNo. 15 Coastal Carolina vs TroyNo. 24 Auburn vs Mississippi StateMemphis vs NavyAir Force vs WyomingUL-Monroe vs Arkansas StateGardner Webb vs CharlotteNorth Texas vs UABRice vs Louisiana TechPittsburgh vs Georgia TechCalifornia vs Arizona StateUtah vs UCLA 1988

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