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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 coroner misidentified two of the Humboldt Broncos hockey players involved in a fatal bus crash, according to the Royal Canadian Mounted Police.Xavier Labelle, who was originally listed among the deceased, is actually alive, while Parker Tobin, who had been listed among the survivors, died as a result of the Friday collision, the RCMP said in a Monday news release."The Office of the Chief Coroner apologizes for the misidentification and any confusion created by it," the news release said. "The Coroner's office extends its deepest sympathies to the families and friends of those who lost their lives as well as those who were involved in the collision."At a news conference, a spokesman for the Saskatchewan Ministry of Justice said the young men involved in the crash were similar ages and builds, and the teammates had dyed their hair blond in solidarity for the Broncos' playoff run."A lot of these boys looked alike," Drew Wilby said.Dental records are the best way to ensure an identification is accurate, and it takes time to procure those records, especially considering some of the players hail from British Columbia, a province hundreds of miles to the west, the spokesman said."New information came to light last night that raised questions with the health care professionals," Wilby said, adding that the information was not related to dental records.Health care professionals were then able to correctly identify Labelle, and the Labelle and Tobin families were notified Sunday night, he said.The Labelle and Tobin families were involved in the initial identification processes, Wilby said, without elaborating.Citing Canadian privacy laws, Wilby declined to provide details of Labelle's injuries other than to say he is "an active patient in the system."After being informed that Labelle had died, brother Isaac Labelle told CNN he was at the gym when he got a text about the bus wreck. He called his father, an emergency room doctor, who had been en route to the game but had changed course to the crash site.Once there, Isaac Labelle said, his father told him that there didn't appear to be any survivors. Isaac Labelle went on to say his brother was "well-loved by everybody.""I also want people to know the good person he is," he said.The Labelle family could not be immediately reached to discuss the news that Xavier Labelle had been misidentified.Tobin is among the 15 killed in the crash in Canada's Saskatchewan province. The death toll includes nine other Broncos players, two coaches, two employees of a broadcasting company and the bus driver.The crash occurred around 5 p.m. Friday north of Tisdale, according to the Royal Canadian Mounted Police, as the team was headed for the town of Nipawin for a playoff game. RCMP Assistant Commissioner Curtis Zablocki said the tractor-trailer, traveling west on Highway 335, collided with the bus, which was traveling north on Highway 35.The cause of the crash is not known, and "the scope and complexity of this investigation means it will take some time to determine the cause of the collision and the circumstances surrounding it," said RCMP Assistant Commissioner Curtis Zablocki.The tragedy was felt across Canada, where hockey is the dominant sport and many young players take long bus rides to tournaments.Humboldt, a town of about 6,000, has a tradition of fielding teams in the Saskatchewan Junior Hockey League. The players, ranging in age from 16 to 21, come from different parts of Canada and stay with host families during the season, according to?the team's website."Our Broncos family is in shock as we try to come to grips with our incredible loss," Kevin Garinger, the team's president, said in a statement.The hockey community and others rallied around the victims and their families, offering financial assistance.By Monday morning, a GoFundMe page for the players and their families had raised more than .8 million, the result of about 70,000 donations. 3998

The Cambridge Analytica?scandal has thrust Facebook privacy settings into the national conversation after the political firm used the personal data of about 50 million people without their consent.Now, Mozilla is helping Firefox users keep their Facebook data secure so they won't be exploited in the future.The company has introduced a Firefox extension that it says will make it much harder for Facebook to track which websites you browse.Facebook has developed a network of trackers that tell the social media site which of its users are visiting certain webpages, like online retailers. Facebook will then use that information to serve its users ads based on what products they've been viewing.Mozilla says its Facebook Container extension will make it much more difficult to track which websites you visit, and keep your browsing information private.Mozilla admits the extension isn't perfect. In a blog post, the company said that the extension would not have prevented user information from being abused in the Cambridge Analytica scandal. It also says that Facebook Container would not work well on sites which require you to use Facebook information to log in.But Mozilla says the simple step of downloading the extension is giving power back to internet users. "Troves of data are being collected on your behavior on the internet, and so giving users a choice to limit what they share in a way that is under their control is important," the company wrote.To download Facebook container, first download the free Mozilla Firefox browser if you're not already using it. Then, all you need to do is click this link and add the extension.Alex Hider is a writer for the E.W. Scripps National Desk. Follow him on Twitter @alexhider. 1763

The FBI raided Michael Cohen's office on Monday, the personal lawyer to President Donald Trump who allegedly oversaw a 0,000 payment to adult film actress Stormy Daniels in the days leading up to the 2016 election, the New York Times reported. According to the Times, Special Counsel Robert Mueller issued a referral for the raid, although the search does not appear to be directly related to his ongoing investigation of Russian meddling and possible coordination with the Trump campaign during the 2016 election. The Times report does indicate, however, that the raid stemmed from information Mueller uncovered and gave to prosecutors.In order to secure a raid, Mueller went to US Attorney Geoffrey Berman, who was appointed in January. Berman took the information to a federal judge, who green lighted the raid. Berman replaced acting US Attorney Joon Kim, who replaced Preet Bharara. Bharara was fired by Trump after he refused to resign when Trump demanded that all US Attorneys who worked under President Barack Obama to step down. Despite Berman being a Trump appointee, the President said the investigation is a "witch hunt.""I have this witch hunt constantly going on, it is a real disgrace," Trump said. "It is an attack on what we all stand for," It is at an all new level of unfairness."Attorney General Jeff Sessions vowed to stay out of the Mueller investigation shortly after being confirmed as AG. He assigned his Deputy Attorney General Rod Rosenstein to oversee Mueller's investigation. Trump admitted on Monday that had he known that Sessions would recuse himself, that he would have looked for a different attorney general."The attorney general made a terrible mistake when he did this and when recused himself or he certainly should have let us know if he was going to recuse himself and we would have put a different attorney general in," Trump said. "So he made what I consider to be a very terrible mistake for the country. But you'll figure that out."Trump was asked whether he should fire Mueller. "I think it's a disgrace what's going on. We'll see what happens..Many people have said you should fire him," Trump said. "Again, they found nothing and in finding nothing that's a big statement because you know the person who is in charge of the investigation."Cohen was reportedly responsible for paying Daniels 0,000 to keep quiet about a previous sexual encounter with Trump. Daniels has since gone public about the alleged sexual encounter, recently appearing on "60 Minutes" in an interview with Anderson Cooper. The possible payment, which Trump has claimed he has no knowledge of, has also brought questions on its legality, and whether the payment by Cohen constituted as an undisclosed campaign contribution. Cohen's lawyer on Monday told the New York Times the raid was “completely inappropriate and unnecessary.” 2927

The FBI's top liaison on Capitol Hill is out.Greg Brower, an FBI assistant director and head of the Office of Congressional Affairs, stepped down last Friday after a year on the job. In the role, Brower was on the receiving end of a pack of congressional probes into the law enforcement agency's conduct.The decision, a "tough" one he made of his own accord, Brower said, follows other high-level departures from the bureau as FBI Director Christopher Wray assembles his own team of close advisers."It was tough but I had an offer I couldn't refuse from a great law firm," Brower said in an interview Thursday. "It was very gratifying to be a part of that team. I could not be more proud of how people work and how committed they are to the mission."Brower was appointed to the position by then-FBI director James Comey in March of 2017 after serving as the bureau's deputy general counsel. He will join the lobbying and law firm Brownstein Hyatt Farber Schreck as a shareholder in the litigation department.The work in the legislative affairs office has heated up during Brower's tenure, as the fallout from Comey's firing by President Donald Trump has fanned a growing mistrust of the FBI among some lawmakers and spurred a round of congressional investigations.Not long before Brower's departure, the chairman of the House Judiciary Committee slapped the Justice Department with a subpoena for documents related to a trio of recent controversial decisions made by the FBI, including the move in 2016 to not charge Hillary Clinton after the probe of her email server and the internal recommendation by an FBI office to fire former FBI Deputy Director Andrew McCabe.In response, Wray said last week that the pace of document production for congressional inquiries at the bureau was "too slow" and doubled the number of FBI staff responsible for reviewing the records.On Thursday, Brower said he had worked with the FBI's Office of the General Counsel, which reviews the internal documents for release, before his departure to get a "a better plan in place" to respond to "an unprecedented wave of oversight requests.""That's all really on track," Brower said, adding that his decision to leave had nothing to do with the probes. "As the director mentioned, it's probably taking longer than it should, but the volume is just so unprecedented that we finally had to put more people on it."Brower's year atop the office saw big wins for the bureau on Capitol Hill, including a six-year extension of the controversial foreign surveillance program known as FISA Section 702 in January and the recent passage of the CLOUD Act, which makes it easier for the US to collect data stored overseas."I felt like the biggest things I set off to do in '17 were done and I felt less bad about leaving," he said.Brower is the fifth top adviser to the director to leave his position since Trump tapped Wray to replace Comey in June. 2943