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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 festival is organized by KPBS in partnership with the Film Consortium San Diego. The festival is funded in part by a grant from the California Arts Council. Additional support provided by Scatena Daniels Communications. The festival is a proud member of the San Diego Veterans Coalition and the San Diego Military Family Collaborative.TO VISIT THE SITE OR FOR MORE INFORMATION, GO TO: https://gifilmfestivalsd.org/2020/ 431

The chairman of the House Judiciary Committee subpoenaed the Justice Department on Thursday seeking documents related to a trio of recent controversial decisions made by the FBI, including the decision 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, his office announced.The move by Virginia Republican Bob Goodlatte represents a ratcheting up of his investigation, led jointly with the House Oversight Committee, into the decisions made by the Justice Department and the FBI before the 2016 election -- an investigation that has stoked mistrust of the law enforcement agency and drawn the ire of Democrats on Capitol Hill.In a letter to Deputy Attorney General Rosenstein accompanying the subpoena, Goodlatte wrote, "given the Department's ongoing delays in producing these documents, I am left with no choice but to issue the enclosed subpoena to compel production of these documents."Goodlatte had in recent weeks voiced his frustration at the Justice Department's refusal to comply with his past requests for the documents and hinted at the weighty legal maneuver.The two committees had requested 1.2 million pages of documents from the Justice Department, Goodlatte's office said. There are approximately 30,000 documents thought to be responsive to the committee's request, and agency staff are reviewing the remaining items to ensure they do not contain sensitive information or conflict with ongoing law enforcement actions, according to Justice Department spokesman Ian Prior.Prior said 3,000 documents have been delivered to the House Judiciary Committee so far.The subpoena issued Thursday covers documents related to "charging decisions in the investigation surrounding former Secretary Clinton's private email server in 2016," as well potential abuses of the Foreign Intelligence Surveillance Act and "all documents and communications relied upon by FBI's Office of Professional Responsibility in reaching its decision to recommend the dismissal of former Deputy Director McCabe."In a statement, Prior said, "The Department of Justice and the FBI take the Committee's inquiry seriously and are committed to accommodating its oversight request in a manner consistent with the Department's law enforcement and national security responsibilities."More than two dozen FBI staff have been assisting the Justice Department in producing documents on a rolling basis to the committee's "broad request," Prior said. 2552

The City of San Diego was awarded a million state grant that will help save food, save the planet, and save people.  The city will use a majority of the grant to convert its composting system at the Miramar Landfill into a closed system.  A news release from the city said that will reduce air emissions and continue to divert tons of food waste from the landfill.The City of San Diego currently keeps more than 100,000 tons of food waste out of the landfill by composting or making sure it’s diverted to food rescue non-profits before it’s thrown away.“It’s getting tossed because people don’t find the need for it or it’s got a slight cosmetic defect,” said Aviva Paley of Kitchens for Good, a food rescue that feeds hundreds of people a day by using food that could have been thrown away.“You can still make really good food with stuff that you just have to clean it up a little bit,” said Kitchens for Good Chef Trainer Theron Fisher.“It is so heartbreaking to see how much food goes to waste in this country,” said Paley.A portion of the state grant will allow Kitchens for Good to expand its operation.  It fed 35,000 people in 2016.  It would like to feed more than 50,000 by 2018.It would keep more food out of the landfill and feed more people who need meals.  Paley said one in six San Diegans go hungry every day.Another benefit for the Kitchens for Good program:  The cooks who prepare the meals are going through a 12-week training program to prepare them for culinary careers.  Paley said most of the participants have overcome obstacles from crime and drugs to mental disabilities.  The program opens them to a career they could otherwise never reach. 1718

The Food and Drug Administration has approved remdesivir as a treatment for the coronavirus.The move comes less than a week after the World Health Organization published results of a large study that suggested remdesivir did not help hospitalized COVID-19 patients.A previous study by the U.S. National Institutes of Health found the antiviral drug shortened recovery time by five days, on average. That led to the drug getting emergency use approval in the U.S, as well as many other countries.The FDA’s decision on Thursday formally approves remdesivir as a treatment option, and makes it the first fully-approved treatment in the U.S.None of the studies have found the drug can improve survival rates.Remdesivir is one of the treatments President Donald Trump received when he contracted COVID-19 earlier this month. It is usually given over five days and works by helping to stop the replication of COVID-19 in the body. 932