Heartland Investment Partners - October 2021

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So, Wait — Ho Cryptocurren

cy Taxed?

LANATION

A QUICK EXP

realized. Realized gains are those that have been actualized when an existing position is sold for more than it was purchased. So, if the asset happens to depreciate in value and it is traded, sold, or used at a loss, you may be able to subtract the loss from other capital gains to reduce your taxes.

Many people enjoy using Bitcoin and other cryptocurrency for the financial freedom that it offers — especially because there are very few fees, if any, involved. Utilizing banks and regular stocks can come along with some large fees. However, this currency still does ultimately get taxed. Here’s how! HOW IT’S TAXED The buzz about cryptocurrency is that it is not backed by any government affiliation and is subject to little or no regulation. However, this is false. When a crypto exchange occurs, both gains and losses must be reported to the Internal Revenue Service. Thus, this is taxed just like traditional stocks and personal assets. When it comes to federal income taxes, cryptocurrency is thought of as “property” and is therefore treated as a capital asset. This means that it is subject to capital gains taxes just as stocks and bonds are. If the asset appreciates in value and you trade, sell, or use it for profit, then it will be taxed just like capital gains. However, you only owe tax when those gains are

CALCULATING TAXES ON CRYPTOCURRENCY GAINS AND LOSSES

To determine your taxes on cryptocurrency, compare your net proceeds to your cost basis. You also must take into consideration the length of time that you owned the asset. This information is crucial for figuring out the type of capital gain or loss you recognize. Some gains or losses are determined to be “short term,” typically a year or less, and others are “long term,” more than a year. It is important to note that you can offset your capital gains with capital losses. Tracking your crypto gains and losses is crucial for staying on top of everything when tax season rolls around. As always, you can turn to your trusted financial advisor for professional assistance and advice.

THE 2021 CRASH INVESTMENT DIET

And they add: “ I have been meaning to change my approach to investing for a couple years now and I am FINALLY going to do it. So, how do I get started?”

Over the last few months in this newsletter, I have been talking on and off about where you are with your 2021 goals — mainly investment goals — however, as part of this process, many also are working on their body goals, especially their weight.

Like crash diets, when you keep trying the same thing over and over again and get the same (or sometimes worse) results, that should be telling you, LIKE MY INVESTMENT CLIENTS AND PARTNERS, it’s time for a change. Over the last year, for example, we have worked hard with amazing changes with our investors and have had some terrific financial breakthroughs, and MANY of these investors are VERY HAPPY about how 2021 is going for them. Because they FINALLY changed their approach and found the great benefits of doing that.

With most people I have been talking to, their answer to finally dropping that 10–20 pounds they KNOW they should lose is the … crash diet .

Yep, after months of eating wings, drinking beer, and super-sizing their orders here and there, they have decided they are FINALLY going to do something about it. And many people choose the CRASH DIET. The crash diet is a swift and body- jolting change in one’s daily food intake. It probably will not come as a surprise that these crash diets fail more often than they succeed, with the person making some progress early on and then slowly falling back into the old eating routine.

So, what about you? Still on that crash diet?

One thing I know will take you off that crash diet are investments I am working on for 2021. I have already received a lot of interest (from those investors who requested information) on the current 2021 Flagship Fund for September, and like the other fantastic “DIET ALTERNATIVES” I have, they will go very fast. But if you are still doing CRASH INVESTMENT DIETS, then you would never know about it and continue down the road of frustration and disappointment. It easy to get off that crash diet. Simply contact me at 319-350-5378 or Darin.Garman@gmail.com and we can talk about the opportunities I have coming up that will give you feelings of joy and triumph, not only for your “regular” monies but for your IRA monies, too! Isn’t that what investments are supposed to do?

The statistics say something like 90%-plus or more people who hit the crash diet wagon will go back to their old ways after a few weeks.

The interesting thing here, too, is many people try this MULTIPLE TIMES over a period of months and years only to find that after all of the mental and physical energy they have spent, they are right back to where they started.

When it comes to investing and dieting , the MAGIC NUMBER for me is one year. One year? What do I mean?

One of the most frequent things I hear from investors is this: “Darin, I have been with you and getting your stuff now for ABOUT ONE YEAR, and I am NOW ready to get involved in one of your investments.”

Providing profitable “DIET alternatives” — even in 2021!

2 DARINGARMAN.COM

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