Article: Don't avoid the subject. Before you have the  talk, take some time to think about where you stand on the issues. For example, ask yourself if you are comfortable with teens having sex. If not, think about how you will encourage abstinence. You can also think about whether or not you believe in birth control for teens. Let your teen know that you are happy to talk to them about sex. In fact, you can even initiate a conversation. You could say something like, “Lauren, since you're heading to college, I wanted to talk about ways to practice safe sex. Is now a good time?” You want your teen to know that they can come to you for help and support. In order for communication to work, you need to be honest. That doesn't mean that you have to reveal your entire sexual history to your teen. It just means that you should be prepared to answer questions like, “Did you wait until you were married to have sex?” If you're honest, you're providing your teen with helpful information that can help them make good choices. Your teen might also ask things like, "What should I do if I'm feeling pressured to have sex?" or "Can I get pregnant from oral sex?" Your teen might not feel comfortable talking to you about sex. That's normal! Just make sure that you encourage them to get educated about safe sex. If there is an optional sex ed class at their school, encourage them to sign up. If their school doesn't offer that, check with your local community center or hospital. They might have some community classes. You might also need some more information yourself. You want to be informed when you answer questions. Check out Planned Parenthood's site, or ask your doctor for some current literature. And don't hesitate to head to the local library! Make a point to know who is in your teen's life. If they are dating, ask them to introduce you to their partner. You can also ask your teen questions like, “You and Katie seem to be getting serious. Have you two talked about sex?” If you have any concerns about the relationship, talk to the teen about them.  Try not to be judgmental. You don't want your teen to feel embarrassed to talk to you. For example, don't say, "Oh, you're not really in love. You're just a kid!" Share concerns instead of judgments. Say, "It worries me that Tom seems a little controlling. How do you feel?" instead of "I hate Tom."
Question: What is a summary of what this article is about?
Examine your own values and attitudes about sex. Encourage open communication. Answer questions honestly. Emphasize education. Monitor your teen's relationships.

Problem: Article: When you sell a stock for a profit, you are subject to what is known as a capital gains tax, or a tax on your profit. Profits can be taxed at two levels.  If you hold your investment for more than one year, the profits will be taxed as capital gains at their tax rate, which is 15%.  If you held your investment less than one year, they will be taxed as normal income. This means they would be taxed at the same level as your regular income as per your tax return. Tax loss harvesting refers to selling a stock at a loss, which can then be used to offset capital gains taxes on a gain. This is a powerful tool to use your losses to reduce your overall taxes.  This means that if you sold a stock for a large capital gain this year, and also decide to sell a different stock (which may have lost money and be overvalued), you can use to the loss to offset the gain, and reduce your overall taxes. For example, assume you held a stock for over one year, and that stock increased in value from $10,000 to $17,000. If you sell that stock, you would normally be taxed $1,050, or 15% of the gain ($7,000). If you also had a stock that has lost a total of $5,000, you can choose to sell that stock to offset the $7,000 gain. In this case, your net gain would only be $2000, and you would therefore only pay $300 in taxes (15% of $2000). Short-term capital losses must first be applied against short-term capital gains (under a year), any extra can be applied against long-term gains (over a year). Long-term losses must first be applied to long-term gains, and then to short-term gains. If total losses for the year exceed gains, you can apply up to $3,000 towards reducing personal income taxes, and any extra can be carried forward to additional years to reduce future gains. A wash sale refers to selling a stock at a loss, and then re-purchasing the same stock, or a substantially similar stock, within a short time period. In this case, the IRS will disallow using the loss to offset gains.  For example, you bought a XYZ stock for $100 in January 2014. On November 15th of the same year, you sell it at $90 and plan to claim the $10 per share loss on your income tax return. However, you hear a rumor that the company is selling very well going into the Christmas holidays after Black Friday so you buy the stock back at $88 on December 3rd. The government decides that you bought again because you expect the price to go up. They know that there was no real loss incurred. It was just a temporary exit from the investment which you plan to hold going forward. There is nothing that prevents you from buying and selling as often as you want, you just can’t deduct short-term losses if you break the wash sale rule. If you have a stock that has lost money, you can consider selling it for tax harvesting purposes. There are, however, several considerations. Make sure you have good reason to sell any stock with losses, and make sure not to sell for tax-loss harvesting purposes alone. For example, if you have a stock that has lost money, and has become overvalued, this may be grounds to sell. Similarly, if you have a stock that has lost money, and you need to re-balance your portfolio, selling your losing stock can be a wise idea if the other stocks are still favorable.
Summary: Learn about capital gains taxes. Understand tax loss harvesting. Learn the wash-sale rules before deciding to sell. Sell a stock for tax harvesting purposes.

If your hyperpigmentation occurs on an area such as your legs, arms, neck, or back, you can wear clothing that hides it. This is especially useful if you have a rash or discoloration that is sensitive to makeup or topical treatments.  Jeans, khaki trousers, leggings, stockings, and long skirts can be worn to hide hyperpigmentation on your legs. Long-sleeved shirts, jackets, kimono tops, and shawls can be worn to cover it up on your arms. If it appears on your neck, you may opt for a high collared shirt, such as a polo or oxford shirt. If it is cold outside, you can wear a scarf. Shirts will normally cover up the back or stomach. If you are wearing a bathing suit, opt for a one-piece suit (for women) or a swim shirt (for men). You can use foundation on your body as well as your face. Be aware that certain parts of your body--particularly those that are hidden from the sun--may be a different color than your face. You may need to find a lighter shade. Another option is to try a foundation that is specially formulated for use on your body.  Pat the foundation on the affected spots with a sponge, and blend so that it looks natural. You can use concealer on these spots as you would on your face; however, it may not be as effective when applied to the rest of your body. Most forms of bodily hyperpigmentation are aggravated by sun exposure. In warm months, it may be difficult to wear clothing to cover these areas. Try to find a tinted sunscreen that will blend into your complexion, like a foundation, but provide essential SPF, so that the hyperpigmentation does not worsen. Ask your doctor or dermatologist for a recommendation, especially if the pigmented areas are sensitive or easily irritated.
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One-sentence summary --
Wear clothing that conceals it. Apply body foundation. Try tinted sunscreen.