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The concerns of COVID-19 are on the minds of many Americans.In the Latino community, the concern is heightened. Latinos are three times more likely to get the virus, according to a Johns Hopkins study. Latino voters recently named the novel coronavirus as a top concern during a Pew Research study.A California doctor has taken a proactive approach to help his community in the state’s Central Valley stop the spread of the disease and help prevent the economic distress the virus can bring.California’s Central Valley, also known as the “Bread Basket of America,” is where most of the food in the United States comes from. It is here where thousands of Latinos work under extreme conditions like triple degree heat, poor air quality, and long hours to put food on your table. The California Department of Public Health shows that nearly half of the deaths in the Central Valley area from the Latino community. They also account for more than 60 percent of the cases.“If there is no one to pick in the fields, if there is not one to pack the meat, which feeds a majority of the country, then the whole country would definitely feel it,” said Dr. Juan Bautista, the medical director at Bautista Medical Center.Dr. Bautista is part of the 60 percent of Latinos that got the virus. Although being relatively healthy, his underlying asthma condition made fighting the virus tough. He was hospitalized for six days.Dr. Bautista says Latinos are high-risk because of the prevalence of diabetes and asthma in the community.“Diabetes places a major factor, not just in your immune system, but also your response to the medications we give with COVID,” he explained.Medications like Dexamethasone can cause patients’ blood sugar to rise. For a diabetic patient, this medication can have bad side effects or even be taken off the table as a form of treatment due to the risks.Reina Gonzalez spent an entire month over the summer on a ventilator. She is a breast cancer survivor, and now, a survivor of this deadly virus. On Tuesday, she was celebrating her granddaughter’s first birth. Months after her initial diagnosis and release from the hospital, she is still unable to work due to her physical condition.“When I start moving or walking or any minimum exercise, my pulse races up a lot and my heart,” described Gonzalez.She feels fortunate to be able to apply for workers' compensation to help pay for her medical bills, but most of Dr. Bautista’s patients aren’t as fortunate.Dr. Bautista says the average cost of a test in the Central Valley is between 0 to 0. In an effort to increase testing, Dr. Bautista is now offering free, rapid testing at his practice. He and his staff are available every weekday from 5:30 to 8:30 p.m., an optimal time for working families. The testing is free and turns out results in 30 minutes or less.Fast test results are critical in this underserved community. It slows down the spread of the disease because people are not returning to work as they wait for test results.“They are not willing to miss work,” said Dr. Bautista, regarding the financial need of his patients.During this time, Dr. Bautista says he has learned medicine isn’t the only thing he needs in order to help his patients. He now finds himself educating them on social services available to them.During the rapids test sessions, programs offering financial aid to those who test positive are offered. The next issue to tackle when it comes to the impact of the virus is the long-term health complications many are left with.“We are starting to learn now that this, although it may have a low death rate the disability it brings, is definitely significant,” he said.With a high survival rate, many will need long-term care, leaving a community that has been disproportionately attacked by this virus with possibly decades of chronic health care issues. 3866

The divisive presidential election found students at Westminster High School in Maryland split over a controversial poster that some saw as a symbol of hope. Others viewed it as a knock on Donald Trump. But other symbols like the Confederate flag also sparked unrest at the school."Actually, we had a bunch of people having flags connected to their trucks.  People wearing it all the time,” said Jakob Hill, a 2017 graduate, “It was actually surprising to see it, but it was in the schools. I have a bunch of friends that are still in Westminster and they still see it."But starting today, they won't see it anymore.Superintendent of Schools Stephen Guthrie says both the rebel flag and the Nazi swastika are now banned anywhere on school property."While we were getting complaints from students who were not only offended. It goes much deeper than offense,” Guthrie said. “They really were losing the ability to do their work. This represented hatred to them. They thought it advocated violence. So we went through a process with our attorneys and legally to determine if we could make decisions that would limit that dress."Guthrie points to the move to remove Confederate statues from public lands and the rally that turned deadly in Virginia as evidence the change was needed."We have the Charlottesville issue with the swastika and the Confederate battle flag were side by side with acts of violence and hatred and intolerance, and so we saw this change happening around us," Guthrie said.It is a bid to prevent symbols of hate that can lead to violence."You never know who you're going to offend and it's just safe if you try not to wear them," Melanie Morel of Westminster said.Violence has already erupted among students inside the schools when symbols divide them."We had a couple of fights last year about it actually,” said Hill, “People using racist terms and all that and people taking it under a different context."The superintendent says when students violate the dress code his hope is to make it a teachable moment, rather than a punitive one, in hopes of bringing students closer together. 2160

The Federal Bureau of Investigation is warning holiday shoppers to be aware of increasingly aggressive and unorthodox scams designed to steal money and personal information.Online shopping scamsIf a deal looks too good to be true, officials say it probably is.FBI Pittsburgh said Monday that consumers should steer clear of unfamiliar websites that offer unrealistic discounts on brand name merchandise. Scammers frequently prey on holiday bargain hunters by advertising “one-day only” promotions from recognized brands.“Without a skeptical eye, consumers may end up paying for an item, giving away personal information, and receive nothing in return except a compromised identity,” the FBI wrote in a press release.Payment red flagsThe FBI says to be cautious of sellers and websites that demand payment solely through gift cards.“Scammers sometimes encourage shoppers to conduct wire transfers, allowing criminals to quickly receive illicit funds,” the bureau wrote.It’s best to use credit cards, because they provide several layers of security against fraud and are typically the safest way to conduct online shopping.Charity scamsWhile others are focused on giving during the holiday season, others are ready to take advantage of that generosity.“Charity-related frauds increase during the holidays as individuals seek to donate money to those less fortunate,” said the FBI.Criminals have been known to use phone calls, email campaigns, and fake websites to solicit on behalf of fraudulent charities. These scammers target people who want to donate to charity, then hoard their well-intentioned donations while those most in need never see a dime.FBI tips to avoid holiday fraud schemes:Before shopping online, secure all financial accounts with strong passwords or passphrases. Additionally, the FBI recommends using different passwords for each financial account.Check bank and credit card statements routinely, including after making online purchases and in the weeks following the holiday season.Never give personal information— such as your date of birth, Social Security number, or billing addresses— to anyone you do not know.Be wary of promotions and giveaways that request your personal information.Prior to donating to any charity, verify that they have a valid Taxpayer Identification number by visiting their website or calling the charity directly. 2373

The caddies for Graeme McDowell and Brooks Koepka have tested positive for the coronavirus. And now both major champions have decided to withdraw from the Travelers Championship. Both say they are withdrawing to protect the rest of the field.McDowell says it feels like the snowball is getting bigger.On Tuesday, the PGA Tour announced that Cameron Champ withdrew after testing positive for the deadly virus. 416

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

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