Thus they cannot be avoided by switching to exchange traded funds ( ETFs) or an index fund with lower disclosed expenses.

FORBES: Getting Over Index Investing With A Better Way

According to the lawsuit, Novartis found it was highly profitable to pay pharmacies even 10 percent to 20 percent kickbacks in exchange for switching transplant patients.

WSJ: NY lawsuit accuses Novartis of health care fraud

The other involves kickbacks in the form of rebates and discounts to at least 20 pharmacies in exchange for switching transplant patients from rival medicines to its Myfortic immunosuppressant treatment ( back story).

FORBES: Did Novartis Violate Its Corporate Integrity Agreement?

Day traders are as likely now to be exchange-floor veterans, career-switching professionals or Ivy Leaguers cutting their teeth on Wall Street.

FORBES: What Bear Market?