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The catchy tune kids can’t get enough of, and parents love to hate, “Baby Shark” is officially the most viewed video ever on YouTube at more than 7.1 billion views.The song was recorded by then-10-year-old Korean-American singer Hope Segoine and produced by South Korean educational company under their Pinkfong brand. It was originally uploaded to YouTube on June 17, 2016.In 2019, the song got into the Billboard Top 100 chart.The previous record-holder on YouTube was the 2017 single “Despacito” by Puerto Rican singers Luis Fonsi and Daddy Yankee. That video was uploaded in January 2017 and has about 7.05 billion views.With the repetitive lines and easy dance moves, some parents might be wondering why it took “Baby Shark” so long to get to the top of YouTube’s most-watched list. 795

The former Louisville Metro Police Officer charged with wanton endangerment for firing his gun into Breonna Taylor's apartment pleaded not guilty during a Monday arraignment. Brett Hankison and his lawyer participated in the arraignment remotely. The former officer pleaded not guilty to the charges he faces. The judge made two stipulations during Monday's arraignment: Hankison has to attend every court hearing, even if it is remotely, and second, Hankison cannot have any firearms. His attorney pushed back, arguing Hankison might need a weapon to protect himself after recent threats. The judge declined the objection. Hankison was charged by a grand jury with three counts of wanton endangerment last week. Of the three officers who fired their weapons that night in March when Taylor was killed, Hankison was the only one charged as a result of the grand jury investigation. Officers were at Taylor's apartment in the early morning hours of March 13 to serve a narcotics warrant in connection with an investigation into an ex-boyfriend. Taylor's current boyfriend, Kenneth Walker, says he did not hear police announce themselves, and says he fired a "warning shot" toward the front door as police broke down the door. Police returned fire. Taylor was shot several times and later died. An autopsy recently released reveals more details about the deadly shot. Hankison is charged with firing several rounds into the building following the initial shootout, allegedly putting Taylor's neighbors in danger. Hankison faces a maximum of 5 years in prison if found guilty. He was fired from the police department in June. In a press conference following the grand jury's announcement, Kentucky Attorney General Daniel Cameron said two other officers, Jonathan Mattingly and Myles Cosgrove, were "justified" in using lethal force because they had been fired upon first. The two officers and Hankison are also facing an internal police investigation into the shooting. Mattingly and Cosgrove remain on administrative duty.The decision not charge officers with Taylor's homicide has prompted protests in Louisville and throughout the country. 2148

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 delayed Tokyo Olympics could not be held next year if conditions surrounding the coronavirus pandemic continue as they are, the president of the organizing committee said Wednesday.In an interview with Japanese broadcaster NHK, Yoshiro Mori said he was hopeful the situation would improve and suggested a vaccine was the key.“If this kind of situation (with COVID-19) continues, is it possible to hold the games?” Mori was asked by NHK.“If current situation continues, we couldn’t,” Mori replied, speaking in Japanese.The Tokyo Olympics are scheduled to open on July 23, 2021 — a year from Thursday. A small, 15-minute ceremony without fans is scheduled for Thursday at the new national stadium to mark the date.The International Olympic Committee and Japanese organizers have repeatedly expressed confidence the games will take place, though they have offered few details on how they can happen in the middle of a pandemic.The IOC and organizers have also said the Olympics will not be postponed again and would be canceled.“It would be too much for us to answer each of these hypothetical questions,” Mori said. “I don’t think this situation will last for another year.”Researchers have said a vaccine could be six-to-nine months away, which Mori said was the key. Some, however, question if young athletes should be a priority, and if all would agree to be vaccinated.“Whether the Olympics can be done or not is about whether humanity can beat the coronavirus,” Mori said. “Specifically, to develop a vaccine or drug is the first point.”Organizers and the IOC say they want to simplify the games to help reduce the soaring costs. But officials cannot say now if fans will be permitted next year, or if athletes will face quarantines. They say few details will be available until the fall.Plans call for the full contingent of 11,000 Olympic athletes and 4,400 Paralympic athletes to be competing at 42 venues.About 1,000 deaths in Japan have been attributed to the coronavirus. Tokyo has seen a rising number of daily cases in the last few weeks, which reached a high of almost 300 last week.But the numbers are relatively modest for a metropolitan area of 14 million.___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports 2265

The first day of October might seem like an odd time to talk about summer camp, but one business has found a way to keep its operation running overtime during the COVID-19 pandemic.Camp Sea Gull is located on a remote part of the North Carolina shore. Typically, it accommodates thousands of campers a year. But once COVID-19 hit, that changed and put the camp in a precarious position along with so many other businesses.“It was really difficult,” said camp director Allison Simmons.Simmons said the camp was able to open this summer but only with a fraction of its normal participants. So, to try to attract more people, she had the idea of opening the bunks to families who wanted a change of scenery as they work or learn from home.“To me, this is giving a lot of our parents and students some hope in breaking up the monotony of whenever their school started,” said Simmons.The reservations allow families to stay at Camp Sea Gull for up to seven days, and Simmons, along with other administrators, came up with five different activity programs for families.The camp installed high-speed WiFi throughout its buildings so parents and their kids could access it during working hours, while it worked to offer activities afterward.A normal day might include opportunities to fish, sail, canoe, and play games from 3 p.m. to sundown.“[Before coming to camp] my kids were all sitting in their rooms by themselves for 6 or 8 hours a day in front of a screen, and that’s just not normal for kids,” said Stan Coerr.Coerr says he has been coming to Camp Sea Gull for 40 years--first as a camper, then as a counselor, and now as a dad who wants to plan a getaway with his three sons ages 20, 16, and 14.“I told my boys [the pandemic] won’t be the worst thing you go through but it will probably be the weirdest,” said Coerr. “And as much as I can get them out and doing things as a family, which is kind of rare these days, I will definitely take that opportunity.”Coerr says the four of them stay in the same bunk and have each claimed a portion of it for their work. Since being at camp for a few days now he says he has noticed his sons are more attentive to their schoolwork and bicker less.It has also allowed Simmons’ business to flourish. She says camp can now stay open past August, when it would end during a normal season.She says 75 percent of the people who have signed up are new clients as well. 2412