Never underestimate the power of eye contact. Eye contact can be used to flirt. First, eye contact is simply a polite thing to do to show a person that you are paying attention to them. Letting her know that you are giving her your full attention will show your interest in her. If the girl is across the room, make eye contact with her. Look at her, catch her eye, and then quickly look away. Look the girl directly in the eye anytime she is talking, or even if she isn't talking. Smiling is another polite gesture that can also be used to flirt. You don't have to overdo it, but smiling at her will give her reassurance that you like her. Look her in the eyes and smile at her while you are conversing with her. If you happen to catch her eye while you are in the same room, give her a friendly smile. When you are talking or walking next to each other, touch her gently. You can touch her arm, back, or shoulder. Touch her just for a moment, or keep it there for a few seconds. Some people don't like being touched, so if she expresses that she doesn't like it, refrain from doing it. Hand holding is a sweet and simple gesture that never goes out of style. You can hold hands at any point in a relationship. If the flirtation is very new, wait until you are confident that she will enjoy holding hands with you. Take her hand when you are walking together. Hold her hand when you're sitting next to her. If she wasn't sure that you were flirting before, this will make it obvious. Move on to physical affection if she seems to be comfortable with the flirting or has stated that she likes you too. Give her a hug when you see her and when you say goodbye. Put your arm around her when you sit next to her. Comfort her with a hug when she's upset, and hug her when something good has happened to her. Stop the physical contact if she seems uncomfortable or tells you that she doesn't like it.

Summary: Make eye contact. Smile at her. Touch her arm or shoulder. Hold her hand. Hug her.

A person with kleptomania may not realize they have a problem. Kleptomania is an addiction, just like substance abuse, so they may think stealing occasionally is not a big deal. They may not realize their stealing has gotten out of control. Approach the person and help them realize they have a problem. Remember that kleptomania is a mental illness. Be calm, supportive, and compassionate with the person, even if you have been hurt by them. Yelling or getting mad is not going to accomplish anything. Try saying, "I've noticed that you steal things and that you are doing it more. These actions can lead to legal trouble. I believe you have a problem, like kleptomania. I care about you and want to help." You may want to talk to the person about the risks and consequences of stealing. If they haven't gotten caught yet, they may not understand the reality of the consequences. Keep a supportive and calm tone as you discuss this and avoid accusing. You can talk about how stealing can lead to arrest, monetary or legal consequences, the loss of a job, or loss of trust. You may say, "Stealing is illegal and a serious offense. You have been lucky so far, but you may end up with a large fine costing tens of thousands of dollars or jail time. That would have a huge negative impact on your life." Many times, a kleptomaniac won't get treatment because they feel scared, embarrassed, or ashamed of their actions. It is extremely difficult for people to treat and get over kleptomania on their own. When you talk to the person, refrain from making them feel worse about their condition. For example, you may want to say, "I know that you steal and understand it is an uncontrollable impulse. I know things trigger you, and that you feel elation after you do it. However, kleptomania is a serious condition with severe consequences." If the person is stealing things so that you are aware of it, start keeping a list of when and what they steal. You can use this to help draw attention to their problem. You may also want to encourage them to keep a list of when they steal. For example, if the person admits to stealing but doesn't think they do it often, tell them to write down when and what they steal. This can help them see a developing pattern of behavior.

Summary: Help the person recognize they have a problem. Explain the consequences. Avoid making the person feel embarrassed. Keep a list of stolen items.

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.