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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 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

The Daytona International Speedway announced the Daytona 500 will have limited fan capacity next year due to COVID-19.Organizers said they will continue to work with local and state health officials regarding fan attendance at the 63rd annual event set for Feb. 14."While the stands may not be 101,500 strong, one truth remains: we are as committed as ever to delivering a best-in-class experience at the World Center of Racing for The Great American Race. From the awe of the U.S. Air Force Thunderbirds flyover, to the rumble of 40 engines roaring around the high banks on the biggest stage in motorsports – the DAYTONA 500 is sure to once again deliver the pageantry, thrills, and drama for all fans, especially those able to attend in person." The 63rd Annual #DAYTONA500 will have limited fan capacity. The grandstands may not look the same, but you can rest assured The Great American Race will once again have the aura and atmosphere of the biggest event in motorsports. ??: https://t.co/9cEIKinY8Y pic.twitter.com/ZSTM13Jra3— Daytona International Speedway (@DISupdates) December 2, 2020 Organizers said on its website they will work to accomodate those who have already purchased tickets to the race. "To ensure social distancing between groups who will be in attendance, many fans will be reseated in new locations," organizers said.The speedway is expected to complete the reseating process by early January.Everyone at the racetrack will be screened before they enter the facility and they'll also be required to wear face coverings while maintaining six feet social distancing, organizers said.This story was first reported by Lisette Lopez at WFTS in Tampa Bay, Florida. 1699

The co-founder of the Salt Life apparel brand is in a Florida jail following his arrest in connection with the death of an 18-year-old woman at a Singer Island hotel.Michael Hutto, 54, was booked into the main Palm Beach County jail Sunday. Hutto was arrested Oct. 30 on a manslaughter charge in Jacksonville.Hutto is accused of shooting Lora Grace Duncan at the Hilton Singer Island oceanfront resort. Police said the 18-year-old Lake City woman was found dead of a single gunshot wound inside a room at the hotel.According to a probable cause affidavit, Duncan's father had requested a welfare check on his daughter on Oct. 29 after he hadn't heard from her in several days. Using her cellphone's location, her father was able to track her down at the Hilton, where police found her lying dead on the floor with a gunshot wound to the stomach.The room had been rented in Hutto's name, and his wallet and identification card were inside the room, police said.An investigation revealed that one day earlier, Hutto had been taken to a Jacksonville hospital after deputies in St. Johns County found his car illegally parked in a St. Augustine gas station parking lot. Hutto was reported to have been "twitching, making delusional comments and crying while his eyes were rolling into the back of his head."When detectives questioned Hutto at the hospital, he told them, "Oh my God, I think I hurt my Gracie" and then began to cry, the affidavit said.Later, Hutto told detectives he and Duncan were headed to the Florida Keys to visit some of his friends when they stopped at the Hilton. After spending time together on the beach, Hutto said, they were "playing inside of the hotel room as if they were shooting with their finger and a gun."Hutto told detectives that Duncan was sitting on the counter in the bathroom when he pointed the gun at her and it fired, shooting her. Hutto said he then put the gun in his backpack and left her in the room, driving until he ran out of gas.Duncan's father told police that Hutto, who was her boyfriend, had been giving her drugs to keep her sedated.The co-founder of the popular Salt Life apparel brand appeared before a Palm Beach County judge Monday morning. The judge set Hutto's bond at 5,000 and ordered that he not have any weapons or contact with Duncan's family.This story was originally published by Peter Burke at WPTV. 2378

The daughter of a hiker who was missing in Zion National Park for nearly two weeks has told CNN that her mother injured her head and became disoriented during the hike.Holly Courtier, 38, was found Sunday after having not been seen since she was dropped off by shuttle on Oct. 6. Courtier's daughter, Kailey Chambers, pleaded with volunteers to help find her mother during the disappearance, saying Courtier was an experienced hiker who would not have gone missing as she did without a reason.In text messages with the cable network, Chambers gave an explanation for what happened to her mother during the two weeks she was missing."She injured her head on a tree," Chambers texted. "She was very disoriented as a result and thankfully ended up near a water source -- a river bed. She thought her best chance of survival was to stay next to a water source."In the texts, Chambers says her mother went without food the entire time she was missing."She was too weak and disoriented (to seek help)," she said. "She was unable to take more than a step or two without collapsing. This prevented her from being able to seek out help. She told me she was so dehydrated she couldn't open her mouth."Courtier was found in the park Sunday after officials received a tip from a credible source. 1291