Q: 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.
A: 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.

Q: As soon as you notice a jam beginning to form, stop the shredder to keep things from getting any worse. This gives you a chance to slow down, assess the situation and prepare to fix the jam. Jamming signs to be watchful for include a slowing down of the paper moving through the shredder, an outright stop, and a whirring, "straining" noise that should be readily obvious. One reason that shredders sometimes jam is that there isn't anywhere for the paper to go once it is shredded because the wastebasket is full. If your wastebasket is full, try emptying it and re-trying which may be enough to resolve your jam. If the jam still won't clear, proceed to the following steps. Because jamming is a common problem, most modern shredders come with a built-in option to run in reverse. Switch the shredder to its "reverse" option (usually there is a well-marked button on the top of the shredder) before plugging it back in. Ensure your fingers or any other tools are not near the shredder opening when you plug it in. Reversing the shredder will usually clear a minor jam in a matter of seconds. However, in especially bad cases, the shredder may jam again when it runs in reverse. In this case, unplug the shredder again, switch it to "auto" or "forward" (the precise option may vary on your shredder) and plug it back in. Be prepared to alternate between auto and reverse as needed. A jam that's bad enough to gum up your shredder when it runs in reverse may be bad enough to jam it yet again when it runs forward for the second time. However, by switching between forward and reverse, it's almost always possible to gradually work your paper out of a jammed shredder. One of the most common reasons for a shredder jam is simply that too much paper was fed into the shredder at once. Once you clear your jam, try shredding a smaller amount of paper if this was the cause for the jam, the smaller second load should pass through with less difficulty. If you still can't seem to get your jam to clear after alternating between reverse and auto/forward, you may have an extra-severe jam that needs to be cleared manually. Never fear, consult the section below for further help.
A: Unplug the shredder. If needed, empty the wastebasket. Switch the shredder to "reverse" and plug it back in. If the shredder jams in reverse, switch back to auto/forward. Reduce the thickness of your load before re-shredding.

Q: You can’t hold matches in your hand. As soon as you get one, you have to lay it down in front of you so that everyone can see it. In many variations of Go Fish, the person who gets rid of all their cards first wins the game, so it’s a good idea to make matches as quickly as possible.  In some variations of the game, 2-card matches can be played instead of 4-of-a-kind matches. Sets of 4 are often called “books.” If you do get to lay down a match, your turn continues. This gives you the chance to start working on your next match before anyone else can take any of your cards away. The first person to get rid of all their cards is the winner. If you want, the remaining players can keep playing until there is also a 2nd place winner, a 3rd place winner, and so on. ” This is an optional ending that can be good to use if you like really fast-paced games. You could always decide that the person with the most matches at that time won the game, or it could just be a draw. You could also choose to keep playing even after the fishing pond is empty. You’ll just take turns trying to get cards from your opponents without having to “go fish” at the end of your turn.
A:
Lay down 4-of-a-kind matches to get cards out of your hand. Take another turn after laying down a match. Win the game when you no longer have any cards in your hand. End the game if the fishing pond is empty, even if no one has “won.