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The deadliest shooting in Texas history could have claimed even more lives if it weren't for a local resident who confronted the gunman, and another man who helped chase down the shooter.The resident, whose name has not yet been released, ran out of his house barefoot and exchanged gunfire with the shooter before the gunman sped away in a pearl-colored Fort Explorer. The armed resident then hailed a man across the street and got in his truck, telling him to chase down the gunman."I had to catch the guy. I had to make sure he was caught and at that point the gentleman riding with me said you may have to use your truck to get him off the road and there was no hesitation. It was do everything necessary to make sure that this guy is stopped," the motorist, Johnnie Langendorff said.Hear everything Johnnie Langendorff had to say: At a news conference Sunday night, investigators offered a preliminary timeline of the attack at the First Baptist Church in Sutherland Springs and laid out the role the resident played. Langendorff spoke to CNN on Monday.The gunman entered the small church in the rural town east of San Antonio, firing with an assault weapon at the congregation attending the morning service.A local resident grabbed his own rifle and engaged the gunman, said Freeman Martin, the regional director of the Texas Department of Public Safety."The suspect dropped his rifle, which was a Ruger AR assault-type rifle and fled from the church," said Martin."What do you say to the man who stepped up when he heard the gunshots? I'd say he's a hero," Wilson County Sheriff Joe Tackitt Jr. told CNN's Chris Cuomo on Monday. "I don't think there's any question about that. Had he not done what he did, we could have lost more people."He was just driving byLangendorff said he was driving by the church on the way to his girlfriend's house when he saw gunfire between the shooter and the armed resident.Langendorff told CNN that both men had weapons drawn."There was exchange of gunfire. It lasted just a few seconds, and the shooter got in his vehicle and took off," he said.The armed resident opened Langendorff's door, said the gunman shot up the church and urged the driver to step on it."We got to chase him," the man said, according to Langendorff. He said he answered, "Let's go."They gave chase in his truck for 11 miles and called police dispatch to tell them where they were and in what direction they were headed. The chase was 10 to 12 minutes long."The vehicle was in sight and I was picking up, getting closer and closer to it. We hit about 95 (mph) ... trying to catch this guy until he eventually lost control on his own and went off into the ditch," Langendorff told CNN affiliate KSAT."The gentleman that was with me got out and rested his rifle on my hood and kept it aimed at him (the shooter), telling him to get out. There was no movement, there was none of that. I just know his brake lights were going on and off, so he might've been unconscious from the crash or something like that. I'm not sure."Langendorff felt the suspect, who crashed his vehicle near the county line, "just gave up."When police arrived about five minutes later, they approached the suspect's vehicle and found the gunman inside dead of a bullet wound. He was later identified as Devin Patrick Kelley.Asked by CNN what he was thinking at the time, Langendorff said, "Nothing. Get him." Why? "Because that's what you do, you chase a bad guy."The shooting was a horrific tragedy, Langendorff said, but he hopes the families of the victims can sleep better knowing the shooter "was taken care of."And he has no regrets about throwing himself into such a dangerous situation."I hope that everyone affected is able to rest a little better knowing that this guy, he'll never breathe again. It doesn't serve it justice completely. But he won't hurt anyone else ever."Bravery seen at another church shootingLangendorff praised the resident for his quick action and called him "very much a hero."He emerged barefooted, grabbing his gun before he grabbed his shoes."He did absolutely the right thing, which was try to take him down at the scene," he said.The shooting at the church claimed 26 lives.Investigators "are continuing in their efforts as they put all the pieces of a very complex puzzle together to try to provide their community all the answers they need and deserve," Texas Gov. Greg Abbott said.It's the deadliest mass shooting in Texas history -- and the fifth deadliest in modern US history.The Sutherland Springs resident's actions echoed another man's act of bravery during a different church shooting earlier this year in Antioch, Tennessee.As the service at the Burnette Chapel Church of Christ was ending on September 24, a gunman -- whom police identified as 25-year-old Emanuel Kidega Samson -- entered the church with a pair of pistols and started firing. An usher at the church, Robert Engle, sprang into action -- struggling with the suspect, even as he was being pistol-whipped, police said."Mr. Samson didn't expect Mr. Engle to encounter him, to struggle with him, to try to stop the shooting," said Don Aaron, the spokesman for the Metropolitan Nashville Police Department.During the altercation, the gunman accidentally shot himself in the chest with his own weapon, police said.When the gunman fell, Engle, despite his head injuries, ran to his car and came back with a pistol of his own, police said.Engle, who has a permit for a handgun, then made sure Samson stayed on the ground until officers arrived, Aaron said.  5564

The death toll in a series of wildfires in California, Oregon and Washington rose to 36 as officials warn that an already-historic fire season is "far from over."As of Tuesday morning, wildfires have killed 25 people in California, 10 people in Oregon and one person in Washington dating back to mid-August.Fifteen people alone have died in California's North Complex Fire, which is currently burning in the Sierra Nevada mountains north of Sacramento. According to Cal Fire, the fire which has been burning for nearly a month, is currently 39% contained.In Oregon, the Beachie Creek fire and the Alameda Fire have each killed four people in recent days. The Beachie Creek fire, currently burning in the northern part of the state since Aug. 16, is 15% contained. The Alameda Fire is 100% contained, according to the Oregon wildfire dashboard.Though 2020 has already marked a record-setting year for wildfires in the western U.S., officials are bracing for more damage in the coming weeks. Wildfire season typically lasts through the end of October on the West Coast."We've had major destruction and, even sadly, two dozen fatalities already and we still have several months to go in our fire season here. Unfortunately, this record-setting year is far from over," Cal Fire spokesperson Daniel Berlant told Fox News on Monday night.The wildfires garnered the focus of both President Donald Trump and his political rival, Democratic presidential nominee Joe Biden on Monday. After receiving a briefing from officials in California, Trump placed the blame for the fires on "forest management," and seemed to downplay the effect of climate change during a conversation with California Gov. Gavin Newsome. In a speech from Delaware, Biden promised to address climate change should be elected president, and slammed Trump for ignoring the facts on the changing climate. 1872

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 Bureau of Transportation Statistics released preliminary data on Monday, which shows U.S. airlines carried almost twice as many passengers in June than in May. According to the news release, BTS said data collected showed that 16.3 million passengers flew on large airlines in June, up from 8.4 million on all U.S. airlines in May.The BTS said airlines carried 80% fewer passengers in June than it did exactly one year ago.The data was by 20 airlines that carry 90% of the passengers, the agency said."June 2020 was the second consecutive month that the annual decrease in the number of U.S. airline passengers was less than annual change in the previous month," BTS reported.According to the agency, preliminary data showed a 77% decline in domestic passengers between June 2019 to June 2020 following more substantial annual reductions in May (88%) and April (96%).Preliminary data showed that international passengers on U.S. airlines declined 96% from June 2019 to June 2020, following annual decreases of 99% in April and 98% in May, the agency said.BTS says final U.S. airline traffic reports for June will be released on Sept. 11. International data by origin and destination, which is under a six-month confidentiality restriction, will be released on Dec. 10, the agency said. 1297

The Environmental Protection Agency will allow states to set their own emission standards for coal-fueled power plants, the Wall Street Journal reported Monday. Critics say the decision will result in much more carbon dioxide being released into the atmosphere.The Journal reported that acting EPA Administrator Andrew Wheeler signed a proposal that calls for states to regulate emissions from power plants, undoing a move from President Barack Obama that made those emissions regulated by the federal government for the first time."The entire Obama administration plan was centered around doing away with coal," Wheeler told the Journal in an interview. 662

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