text: How Investing Affects Your TaxesKristin Wong8/21/14 7:00amFiled to: TaxesInvestingMoneyPersonal Finance519EditPromoteShare to KinjaToggle Conversation toolsGo to permalink Investing can be intimidating, and the extra tax rules can turn it into an even bigger, confusing animal. Here's a simple rundown of how taxes work when you invest money.Using Tax-Advantaged AccountsDepending on your savings goal and account type, you might actually get a tax break when you invest. Here are several types of investment accounts that are considered "tax-advantaged": Advertisement 401ksIRAsHealth Savings Accounts (HSAs)529 college saving plansEach one offers different tax advantages that you can use to your benefit.Tax-Deferred GrowthWhen you save money for retirement, sometimes the money you save is tax-deferred. 401k and Traditional IRAs both offer tax-deferred growth. This means you can deduct the amount from your income when you do taxes, paying less. So if you earn $50,000 this year, and you put $5,000 in your company's 401(k), you only have to pay income tax on $45,000 of you earnings. Advertisement Of course, you will have to pay taxes on this money eventually, when you withdraw your money or retire.Tax-Free GrowthNot all retirement accounts are tax-deferred. Roth IRAs, for example, work the opposite way: you pay taxes on your income before you invest it, but when you withdraw your Roth IRA money at retirement, you aren't taxed. That's one advantage.And the Roth IRA has another tax advantage: tax-free growth. This means that when your investments earn a return, you don't have to worry about paying taxes on that when you withdraw, either. For that reason, a lot of experts recommend Roth over Traditional IRAs. We talk about the differences between Traditional and Roth IRAs in more detail here. But they both have different tax advantages. Basically: Advertisement Sponsored Traditional = Tax deferred, so you can deduct contributions from your income now.Roth = No taxes at withdrawal, so your money grows without you having to pay taxes on the earnings when you retire.Retirement investing is great, but what if you want to save your money in a regular investment account? What happens with your taxes then? We'll get into a bit more in the following section. But overall, you're taxed on the money you save as regular income, and you're taxed again when you sell your investments and make a profit.For this reason, most experts suggest saving as much as you can into tax-advantaged investment accounts before you put your money into a regular investment account.Selling Your InvestmentsWhen you sell your investments, you'll probably have to pay taxes on them. Here's how it works.Capital GainsLet's say you open a regular brokerage account and invest money into some stocks, bonds or mutual/index funds through a company like Vanguard. A while later, you decide to sell your investment for a profit. (That's the whole idea of investing, right?) That profit is called a capital gain. And yes, you have to pay taxes on it. Advertisement Advertisement Your brokerage company (E-Trade, Fidelity, Scottrade, etc.) will send you a 1099-B form that includes your capital gain amount for the year. Of course, you have to include this info when you do your taxes.But here's something interesting—how much you pay in taxes will depend on how quickly you sold your investment after buying it. LearnVest explains:If you bought an investment like mutual fund shares, stocks or bonds and sold them less than a year later, that means they qualify as a short-term capital gain, and your profit will be taxed at a normal rate of up to 35%. But if you kept your investment for more than a year before selling, that means your profit is a long-term capital gain, and will be taxed at a much lower rate of no more than 15%.That's a pretty big jump, so if you can hold out on selling, you should definitely factor the tax difference into your decision.Capital LossesBut what if you lose money on an investment? If you decide to sell your investment for less than you paid for it, this is called a capital loss. It's a bummer, but the IRS does help soften the blow a bit: Advertisement If you made a profit on some stocks you sold, and a loss on some others, you can claim your losses against the capital gains to pay lower taxes. For example, if you made a capital gain of $50 on stock A, and a capital loss of $35 on Stock C, you will only be taxed on $15 of capital gains ($50-$35). If your losses are more than your gains, you can claim up to $3,000 in losses against your other income, like your wages from work.So it's important to remember not to write off your capital losses completely. If you can get some tax relief, you might as well report the loss.Earning Dividends and InterestIn addition to selling your investments, you should also know how dividends and interest affect your taxes.Dividends and SharesWhen you buy a stock or mutual/index fund, the companies you're invested in will make payments to its shareholders (investors) for each share you own. These are called dividends. The Law Dictionary calls them "periodic bonus payments." Whatever you call them, they're considered regular, taxable income—even if you don't sell your shares. Advertisement Advertisement When you earn a dividend, you can choose to either keep it and pay taxes on it, or reinvest it and buy more shares of the company. The latter makes things a little complicated, and if you reinvest, you may consider using an accountant when you do your taxes.Interest and BondsIf you own bonds, you can be taxed in two ways, according to Fidelity:Gains if you sell your investment at a profitInterest income distributedLearnVest points out that interest is treated differently depending on what type of bond you have: Advertisement U.S. Treasury Issues: You pay federal tax on interest, but not state or local taxes.Municipal Bonds: You pay no taxes on "munis" if you buy them in the state where you live. They are free of state, federal and local taxes— called "triple free."Corporate Bonds: You pay taxes on interest.Zero Coupon Bonds: You don't receive interest on these bonds until maturity; the IRS calculates the annual interest you would earn and taxes you on it.When it's time to do your taxes and report your investments, you'll of course need to gather all the documents your broker has sent you. This might include a 1099-DIV and a 1099-B. These documents should make it pretty straightforward to enter in your information come tax time. Sure, investing can be intimidating and confusing. There are a lot of numbers and rules and unfamiliar words. But once you learn the terminology and find out the basics of getting started, it's pretty simple and straightforward. Taxes can be another hurdle. But learn the basic tax implications of your investment accounts and keep track of your paperwork, and you'll find that's not too intimidating, either.Two Cents is a new blog from Lifehacker all about personal finance. Follow us on Twitter here.Reply51 repliesLeave a reply


text:
Definitions of throw
n. - Pain; especially, pain of travail; throe.
n. - Time; while; space of time; moment; trice.
v. t. - To fling, cast, or hurl with a certain whirling motion of the arm, to throw a ball; -- distinguished from to toss, or to bowl.
v. t. - To fling or cast in any manner; to drive to a distance from the hand or from an engine; to propel; to send; as, to throw stones or dust with the hand; a cannon throws a ball; a fire engine throws a stream of water to extinguish flames.
v. t. - To drive by violence; as, a vessel or sailors may be thrown upon a rock.
v. t. - To cause to take a strategic position; as, he threw a detachment of his army across the river.
v. t. - To overturn; to prostrate in wrestling; as, a man throws his antagonist.
v. t. - To cast, as dice; to venture at dice.
v. t. - To put on hastily; to spread carelessly.
v. t. - To divest or strip one's self of; to put off.
v. t. - To form or shape roughly on a throwing engine, or potter's wheel, as earthen vessels.
v. t. - To give forcible utterance to; to cast; to vent.
v. t. - To bring forth; to produce, as young; to bear; -- said especially of rabbits.
v. t. - To twist two or more filaments of, as silk, so as to form one thread; to twist together, as singles, in a direction contrary to the twist of the singles themselves; -- sometimes applied to the whole class of operations by which silk is prepared for the weaver.
v. i. - To perform the act of throwing or casting; to cast; specifically, to cast dice.
n. - The act of hurling or flinging; a driving or propelling from the hand or an engine; a cast.
n. - A stroke; a blow.
n. - The distance which a missile is, or may be, thrown; as, a stone's throw.
n. - A cast of dice; the manner in which dice fall when cast; as, a good throw.
n. - An effort; a violent sally.
n. - The extreme movement given to a sliding or vibrating reciprocating piece by a cam, crank, eccentric, or the like; travel; stroke; as, the throw of a slide valve. Also, frequently, the length of the radius of a crank, or the eccentricity of an eccentric; as, the throw of the crank of a steam engine is equal to half the stroke of the piston.
n. - A potter's wheel or table; a jigger. See 2d Jigger, 2 (a).
n. - A turner's lathe; a throwe.
n. - The amount of vertical displacement produced by a fault; -- according to the direction it is designated as an upthrow, or a downthrow.
The word "throw" uses 5 letters: H O R T W.
Direct anagrams of throw:
rowth whort worth wroth
Words formed by adding one letter before or after throw (in bold), or to hortw in any order:
g - growth n - thrown s - rowths throws whorts worths t - trowth y - worthy
Shorter words found within throw:
ho hot how oh or ort ow rho rot row tho thro to tor tow trow two who wo wort wot
List shorter words within throw, sorted by length
Words formed from any letters in throw, plus an optional blank or existing letter
List all words starting with throw, words containing throw or words ending with throw
All words formed from throw by changing one letter
Other words with the same letter pairs: th hr ro ow
Browse words starting with throw by next letter
Previous word in list: throve
Next word in list: throwaway
Some random words: joram thack ef huarache juba sprachgefuhl me
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subset: commoncrawl


text:
Manufacturer's Description
Visit TSL's Take the High Road 25 page.
Retailers' Descriptions
Here's what other sites are saying:
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- Sierra Trading Post
The innovative binding system of the Take the High Road 25 snowshoes from TSL includes a double D-ring toe cord design that eliminates shin banging, a one-pull toe-box adjustment, a ratchet system and a telescoping adjustment for different size feet. These features combine to deliver a fit that will keep you on the road to winter adventure.
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If you're looking for a new hiking snowshoe, check out the best reviewed current models.


text:
Posted on 05/19/2002 10:22:31 PM PDT by kattracks
Edited on 07/12/2004 3:53:43 PM PDT by Jim Robinson. [history]
House Minority Leader Richard A. Gephardt backed away yesterday from earlier suggestions that President Bush had failed to act on warnings that might have prevented the September 11 attacks.
"I never, ever, ever thought that anybody, including the president, did anything up to September 11 other than their best," the Missouri Democrat said on "Fox News Sunday."
(Excerpt) Read more at washtimes.com ...
This crap from the Dems would have worked like a charm (and did) as little as 6-8 years ago. Now it gets refuted almost before it gains any traction, and the snakes head back into the tall grass, waiting, hoping, praying for something, ANYTHING they can pounce on. It hasn't happened yet, but they keep hoping, and "we" keep countering with the truth. The only people who end up believing their garbage are the "true believers" (actually, they don't believe it either but they lie for a living), and the rapidly dwindling number of people who rely on the network news for their info.
Now, Dickie, get back under that rock where you belong.
Hee Hee is right!!! Mr. Congressman, Sir, words matter. Unless you continually contradict yourself, in which case, nothing you say matters.
1--The popularity of Fox News. The Dems have never experienced fair and balanced before, and without the networks doing their bidding in spinning, the task is harder. Some arguments evaporate in the light of truth and don't stand up to the slightest logical challenge.
2--W. Bush is NOT is father. He's a banty rooster and not a pushover or "let's rise above this" gentleman. He called them on their act and nipped their criticisms in the bud.
It also doesn't hurt to have the history of Clinton's failures in the past as well as the facts of the Democrats' pre-Sept 11 security briefings. They must have realized that they are culpable for their own failures to connect the dots as well as liable if any of their rantings result in security leaks and compromise.
There's a big difference between questions and lying accusations.
No mas! No mas!
They got hit with a TKO. First Condi Rice, then Cheney, then Laura and George Bush pounded them. Democrats have no one of the stature of any of them and then know it. They were afraid of what was next (thank you Dick Cheney). As you say, they relied on the media and found out fast that was not going to work.
Keep throwing anything they can come up with until something sticks.If they miss, back off, deny they meant it and try something else.
Not only no integrity, but no conviction, and no courage to back up their mouth!
Then I take a deep breath and realize that they're slowly doing the job on themselves and their lying, self-serving BS is being seen for what it is and the American people, for the most part, get it.
or if that doesn't work...http://www.arkdems.org/cgi-bin/FormMail.pl
If you would like to contact them you can use 72203 as a zip code for Little Rock, AR. Any street will do(such as Clinton Avenue). They aren't smart enough to figure it out.
Day 2: Polls. Bush at 75% popularity; infomation shows DEMS were briefed.
Day 3: "Let's not be so quick here. No one could have known."
Day 4: Bill Clinton says, "Hey, I just read about Osama Bin Laden when I picked up the paper today."
The White House looked bad on this because they overreacted.
I swear he has said overreacted 5 times in the last minute.
I guess they have decided this is the best tack to take, since their attempt failed. I see also Newsweek is portraying an administration in disarray, overreacting, and that Bush will have to stop being so secret.
I really, really loathe these people.
The Republican strategist (I don't remember his name) was talking about The Gore airline security report that was voted down in Congress. He said that the reason was "racial profiling."
Joe Lockhart immediately said, "the Republicans didn't want to hand Al Gore a major policy victory during the election, that's why it was voted down."
How small... How stupid... How idiotic....
I don't have the words to tell you my rage and loathing. Why does everything have to be defined by the Clinton Administration? Why would you even what to defend that man?
I'm not done calling and venting....
But, I'm with you... I simply loathe these people.
Once Hillary saw that intimidation was not going to work, and that any investigation would highlight hubby she backed off. It helps that the Pubs have Dick Cheney to come out and besides putting out the fire, to look so at ease and confident as he's grilled by Russert. Compare his performance to Gephardt's with Brit and who do you think the people will believe?
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text:
Tallbob wrote:Run Serna as: /usr/local/bin/serna-4.1
Try typing "serna-4.1" or "/usr/local/bin/serna-4.1" in a terminal window. If that doen't work try "sh serna-4.1" or "sh /usr/local/bin/serna-4.1".
Moderators: ChriThor, LXF moderators
Tallbob wrote:Run Serna as: /usr/local/bin/serna-4.1
Tallbob wrote:I made a working desktop short cut, all is right with the world.
Users browsing this forum: No registered users and 0 guests


text:
Great Homes of Rochester
A House of Steele and Ice - Charlotte Whitney Allen House
The Mushroom House that isnt - The "Mushroom" House
The best investment of buggy whip money - Strong-Todd House
Rochesters Royalty - Hartford House and The Homestead
Rochesters Renaissance Man - Sibley Watson Library
Buy Alaska. Stop. Great Investment. - Sibley Mansion
More Great Homes of Rochester
The Patrick Barry House
The Harris House
The Katz-Bernunzio house
The Tackle-Yates house
Even More Great Homes of Rochester
California meets Rochester
Tuscany in Mendon
Children return to East Avenue
Salt of the Earth
The House with the Light On
Great Homes of Canandaigua Lake
The Kenton's
The Castle
The Stone House
A Tropical Celebration
New England
The Swartout Family
Extra Houses
Rose Hill Mansion
Hillside Inn
Lindsay Mansion
Edmund Lyon House
Canandaigua Home
Pittsford Home
Sands House
Fassin House


text:
This 2 year post has been created as a result of a Knowledge Transfer Partnership (KTP) between Lancaster University's Department of Mathematics and Statistics and Business Safety Systems Ltd (http://www.business-safety.com/ ). On completion of a successful project there may be opportunities for on-going employment within the company partner.
Business Safety Systems is an innovative solutions provider for risk management, focusing on health and safety, environmental, and absence and back to work management. Business Safety Systems range of products and services include Health and Safety Audits, outsourced Environmental and Health and Safety management services, consultancy support for Environmental and Health and Safety, a class-leading T100 Risk Manager product, and the provision of a wide range of accredited and independent training courses.
The Statistics group in the Department of Mathematics and Statistics is an internationally recognised centre of research excellence. For over twenty years the Group has been at the forefront of the UK research effort in Statistics, establishing a strong track record of theoretical innovation arising from real-world challenge. You will be employed by Lancaster University, but will be based at Business Safety Systems, which is located at Stafford Technology Park in Stafford. You will lead this exciting project which aims to develop novel statistical methodology and the associated technology to enable organisations to predict, mitigate and reduce the consequences of sickness absence. You will work closely with and be supported by academics from the Department of Mathematics and Statistics and the senior management team at Business Safety Systems.
For this post, the ideal candidate would have a PhD in Statistics with knowledge of MCMC and computer programming desirable. Additional attributes will include good project management and team working skills.
In addition to a competitive salary, the reward package includes an additional £4,000 personal training and development budget offering excellent opportunities to further your professional development and support your career progression. You will be encouraged to present papers at national and international conferences. For further information on Knowledge Transfer Partnerships, please see www.ktponline.org.uk
Informal enquires should be directed to:
Dr Peter Neal (Lancaster University) Tel: 01524 593848 / Email: firstname.lastname@example.com Mr Neil Shotton (Business Safety Systems) Tel: 01785 430 430 / Email: email@example.com
This position is based in Stafford (ST18 0GP).
The closing date for this job opportunity has now passed, and applications are no longer being accepted for this position


text:
What a freakin Joke bringing back a Losing coach{Norm Roberts} for a 5th yr bec his players have a high GPA!
Norm is a Horror show as coaches goes & has failed to sign one recruit for this season.
RedStorm=laughing stock of college hoops!
What a freakin Joke bringing back a Losing coach{Norm Roberts} for a 5th yr bec his players have a high GPA!
Norm is a Horror show as coaches goes & has failed to sign one recruit for this season.
RedStorm=laughing stock of college hoops!
Heartbreaking. I was there for the Mullen, Berry, Wennington glory years.
As an alum it kills me to see SJU relegated to basketball insignificance. Norm Roberts reminds me of Herm Edwards. He says and does all the right things, but his Xs and Os leave quite a bit to be desired.
I don't follow college basketball that closely, but it's a real damn shame when I see the top New York born and bred talent go to the other Div I schools outside of New York. I mean, i don't really blame the kids for doing it, but still, one can only imagine if we kept our own talent.
be happy your in the wnit
They made a hugemke not hiring Matt Doherty a few years ago, he has growing up to do as a coach but as a recruiter he would have owned the NYC area and had top 10-20 talent playing at SJU by now.
From what i have read, the reasoning behind giving Robert one more year is pretty simple. It took him 3+ years to repair the damage that Jarvis did with the local schools and AAU programs. Last year was the first year that he had a strong recruiting class and this year is supposed to equal that or do better. The school realized that Jarvis almost DESTROYED the recruiting base in his own backyard b/c he ignored, irritated, and angered every (that is right EVERY) local school and AAU program. They wanted to give Roberts enough time to repair the damage which it appears that he did and now they will judge him on results. In my opinion it is a good move, but now we need to start to see some progress.
What?? According to Rivals.com he hasn't signed a single recruit yet. As a matter of fact, of the remaining uncommitted players on the Rivals 150, SJU isn't in the running for any of them, despite the fact that several of them are from the Northeast. Does he even have any available scholarships for next season? I think there was only one or two seniors on this year's team.
Seems like St. Johns started going downhill when they got PC and changed from the Redmen of St. John's.
Doherty wouldnt help at all. No one, sans Calapari would really help the situation. Recruiting in NYC is a joke. The kid doesn't even pick anymore; its all about what his parents and coaches want out of the deal.
AAU teams are more powerful than the NCAA, its gotten to the point all of the coaches in the Big East recruit based on a single AAU team because if you try to develop a relationship with more than one AAU coach in NYC, you'll get blacklisted. The high school you play for has now become irrelevant.
Another problem SJU has is that it has dorms now. Instead of giving kids stipends they get free housing. The old players used to get cheap apartments near campus and pocket the rest of the cash.
SJU's woes all stem from Jarvis...catching up to where they were may never happen again, but there is no reason they cannot have a respectable program soon.
You are talking about the coach who took UNC to the NIT? He has been at 4 schools over the last 8 years, he would not of saved St. John's. He would of used St. John's like ND and jump ship as fast as possible.
The fall of St. Johns is a shame, hopefully they will bounce back, but the Big East is a tough league and having Gonzalez and Hill in their backyard doesn't help.
Last edited by cr726; 03-20-2008 at 11:38 PM.
Doherty is a great recruiter, he would have had alot more talent at SJU. he brought back ND w/ recruting and UNC won a National Title w/ his recruits.
He was in a bad spot. Bill Guthridge did a poor job of recruiting so after the good players left after '01 Carolina had very little talent, they shouldn't have been 8-20 in '02 but they had very little talent. In '03 he led them to the NIT b/c Sean may got hurt, they were ranked pretty high early in the year and they had crushed Kansas who would go on to lose in the Title game.
He was definitely in the running and badly wanted the St. John's job.


text:
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Prior to joining Lute Olson's staff at Arizona he:
� Spent the past two years as an assistant coach for the NBA's Denver Nuggets.
� Spent nine years at NCAA Division II Metro State (Colo.), winning national championships in 1999-2000 and 2001-02 (Record at Metro State, 248-50).
� Spent three years as professional coach in Australia, leading the Adelaide 36ers to National Basketball League semifinals in 1995 and 1996.
� Spent five years as the coach at Cal Lutheran, leading his 1992, 1993 and 1994 teams to Southern California Intercollegiate Athletic Conference (SCIAC) titles and appearances in the NCAA Division III National Championship.
� Served as an assistant coach at Southern California under George Raveling, as an assistant coach at the University of Iowa and spent five years at Loyola Marymount University.
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text:
The body of a Third Infantry Division soldier who went missing in the waters off St. Simons Island was recovered by the Georgia Department of Natural Resources at 8:20pm Tuesday.
Staff Sgt. Calvin Leblanc was found near the St. Simons Island pier, according to Lt. Col. Benjamin Garrett, 3rd ID Division public affairs officer.
Leblanc went missing Sunday evening while swimming with his family near East Beach. Glynn County law enforcement assisted with the recovery and the county's coroner pronounced Leblanc dead at 9:45pm.
Garrett said chaplain support and family assistance have been extended to Leblanc's family.
Posted June 6, 2012 10:46 am


text:
The overall conference theme is Social Justice and Cultural Self-Determination in Latin America and the Caribbean. It will include a number of special sessions focused on indigeneity, self-governance and alternative knowledge production, related to the project on Hemispheric Indigeneity in Global Term supported through the Duke Center for Latin American and Caribbean Studies with funding from the Mellon Partnerships in a Global Age program. This project is a collaboration with the UNC American Indian and Indigenous Studies program and the Center for Canadian Studies at Duke. Attention will be given principally to panels and individual proposals focusing on issues of (self) representation, identity, health and wellness, the environment, and the politics of knowledge.
*The events on February 6 and February 7 will take place at Duke University, John Hope Franklin Center. Those on February 8 will be at UNC Chapel Hill, FedEx Global Education Center.
*All panelists, discussants and other participants are required to register. Please click on the link for the Registration Form. Please also go to the links below for information on special sessions and the keynote presentation, as well as the entire conference program.


text: Last night we had pasta with red sauce and paired it with the 2009 Petit Verdot from Blenheim Vineyards. This really is one of my most favorite wines. As many of our readers know, I'm a big fan of stand alone petit verdots. And even though I favor the 2008s, this 2009 is really amazing. We noted blackberries, cherry, and a nice floral bouquet. It has a smooth ending that makes you want another glass. It paired beautifully with our pasta and red sauce. And it continued to delight our senses even after the meal. However, since it has a screw cap remember to open it up a little while before you plan to enjoy it. We opened it up a good 30 minutes before our meal and it was just the right amount of time to let it breath. If you find yourself at Blenheim Vineyards anytime soon be sure to check out the 2009 Petit Verdot and tell them Virginia Wine Time sent you!