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Why Do Men Lose Weight Faster than Women? (Animated Video) - Duration: 7:53.
Why do men lose weight faster than women?
A study in the journal Diabetes, Obesity and Metabolism detailed the weight loss results
of more than 2,200 overweight adults in Europe, Australia, and New Zealand.
Each participant had prediabetes, a condition marked by slightly elevated blood sugar levels.
A person who is prediabetic has a slightly elevated blood-sugar level, which means that
a slight change can raise his or her risk of developing type 2 diabetes.
The participants followed an 800-calorie, mostly liquid diet that consisted of soups,
shakes and hot cereals, plus a daily intake of 1.5 cups (375 grams) of low-calorie vegetables,
such as tomatoes, cucumbers and lettuce during a period of 8 weeks.
At the end of the eight weeks, it was discovered that men lost 16 percent more weight than
women — about 26 pounds compared with an average of 22 pounds for women.
Also, 35 percent of the men and women had normal blood glucose levels and no longer
had prediabetes.
Thanks to the body composition of men, more muscle and a higher metabolic rate than women,
weight loss was achieved faster.
You see, men typically have more weight in their midsection, known as visceral fat, which
surrounds the internal organs.
Dr Elizabeth Lowden, a bariatric endocrinologist at Northwestern Medicine's Metabolic Health
and Surgical Weight Loss Center at Delnor Hospital in Geneva, Illinois explains that
"when people lose visceral fat, it improves their metabolic rate, helping them to burn
more calories".
Women, on the other hand, typically have more subcutaneous fat, which is fat around their
thighs, rear and hips that is important for childbearing, Lowden said.
When people lose subcutaneous fat, this does not improve their metabolic risk factors,
because this type of fat is not metabolically active.'
In this video, we'll be sharing with you some tips to help you know why men lose weight
faster than women.
If you're new here, consider subscribing so that you won't miss other interesting
videos like this.
1.
Men have more muscle than women
A study published in the Journal of Applied Physiology found that, of 468 men and women,
men had significantly more muscle, about 10-15% more.
Muscle gives your body its strength, shape and definition.
Hence, the more muscle you have, the more calories you burn, even when you're at rest.
Experts say each pound of muscle can burn up to 50 calories per day.
As a result, men can lose weight on a daily basis without even trying too hard to.
Why do we need to burn calories?
We need to burn calories to avoid accumulation of fat in the body.
You see, your body needs energy to function, even while at rest.
And this energy is gotten from the food and drinks that you take in, in combination with
oxygen.
On a daily basis, your body requires a certain number of calories to function.
When you take in an excess amount of calories, your body stores the leftover as fat in the
adipose tissue.
On the other hand, when you consume too little, your body turns to the reservoir for some
more.
And this is where weight loss comes in to play.
The more reserved energy your body uses up, the faster you lose weight.
However, if your metabolic rate is slow, you might not lose any fat.
And this is what happens when you try to use the starvation method to get your body to
function on reserved energy.
For men, however, because they have more muscle which equals fast metabolic rate, weight loss
is usually very fast because they have more metabolically active muscle.
2.
Women are more likely to store and keep fat
Women have higher levels of estrogen, a hormone that works to keep the fat on a woman's body
so it's easier for her to get pregnant.
That means women have to work harder to lose weight at the same rate as men.
Estrogen is one of the two primary female sex hormones and is involved in the onset
of puberty and the menstrual cycle.
And Testosterone and estrogen are two of the biggest drivers of fat storage.
For women, estrogen is mostly stored in thighs and butts, whereas male bodies tend to pack
theirs around the stomach.
We develop body fat in those characteristic places: men in the stomach, women in the thighs
and butt.
This is because adipose tissue in different parts of our bodies has receptors for different
kinds of hormones.
The fat in our stomachs, especially that visceral fat that surrounds our organs, seems to respond
well to androgens (i.e. testosterone), and researchers think that's because visceral
fat cells have androgen receptors.
This is another reason men tend to lose weight faster than women.
3.
Women may have a lower tolerance for exercise
Women have smaller lung capacity than men, which can make women feel as though they are
working harder than men even if the women are working at the same level.
This can also make exercise feel harder in the heat or high humidity.
Women reduced airways diameter and lung volume result in lower peak expiratory flow and vital
capacity.
The most important consequence is women have a smaller maximal flow-volume loop.
Their capacity to generate increased ventilation during exercise is, therefore, smaller with
respect to men.
In conclusion, the bottom line is that when it comes to metabolism, weight loss, exercising
ability and muscle development, men and women are different.
Although this doesn't mean a woman can't lose weight, but at a slower rate, so if you're
a woman, you must be more disciplined with what you eat and workout.
Thank you very much for watching our videos.
We'll like to give you another interesting video for you to enjoy next but before then,
our team will be very happy if you can like this video and share it with your friends
on social media.
If you're new here, don't forget to subscribe so you won't miss other interesting videos
like this.
Look at your screen now to see two other videos we handpicked for you to enjoy next.
We love you.
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màn diễn kịch sôi nổi do thằng bống lớp 9 biểu diễn - Duration: 7:17.
For more infomation >> màn diễn kịch sôi nổi do thằng bống lớp 9 biểu diễn - Duration: 7:17. -------------------------------------------
GRWM How I do my makeup (Eng/Kor subs) - Duration: 21:50.
Hey everyone, welcome back to my channel.
I thought that today, I would do something a little bit different and shoot a GRWM video.
A lot of you guys have been asking for a GRWM because my before and after are pretty
drastically different.
I'll show you what I use.
I'm back.
I've put in contact lenses and have rolled my hair.
Also, if you're wondering, I sleep with my hair tied in this way because it curls
my hair.
I'm really bad at using heat to curl my hair, so I sleep like this after I've taken a shower and it makes
nice curls.
I'll reveal this to you in the end, and show you what it looks like at the end.
I'm going to start with some sunscreen, because it's sunny outside, and even when it's not
sunny outside, you should still be wearing sunscreen to protect your face from UV rays.
I actually really like Etude House's sunscreen, and this one is the... surprise...
"Sunprise" Must Daily, and it's SPF 50+, PA+++.
It smells really good.
This is one of my favorite foundations.
I used to use BB cream but now I use foundation because I feel like BB cream is too much for
me now.
But back when I had blemishes because my hormones were raging, I used to use Etude House's BB
cream, but it's not very good for your face.
And I'm going to apply it by putting a dollop onto my hand.
And then I'm going to take this.
My sister gave it to me maybe a few years ago.
I put some water on it and squeezed it out.
Then just pat my foundation all over my face.
I'll just take some of this concealer.
I think it was part of a 1+1 sale at Ulta and my sister just gave me one even though
I rarely use concealer.
I just want to put it where I want to highlight my face.
Under my eyes, where I want to cover my pores- in between my eyebrows.
And then I definitely want to highlight my chin because my chin is tiny.
As you can see, the texture of my skin has been corrected well.
The next part is my eyebrows, and it's the most important part for me, maybe because
I feel like it makes the biggest difference.
I go through 2 steps.
First I use this- it's the Etude House eyeshadow palette.
I think it's the "cafe" palette.
You can see I only use 2 colors from here.
I used to use this one for my eyebrows, but now I use this one.
Ooo sorry about my nails.
They're so gross.
But yeah, now I use this one because the darker color looks better for me.
I take this, dab some on, shade in my eyebrows first... with this dark brown- it's kind of
an ashy brown eyeshadow.
We want to get to the second part of my eyebrows- or the making of my eyebrows.
We are going to color them in using Etude House Drawing Eye Brow Pencil.
I love this so much.
I use this for everything, as you'll see.
So I start sort of messily in the beginning, and more meticulously toward the end of my
eyebrow.
Then I just want to feather the front part of my eyebrow out with the screw brush attached
to the other end of this eyebrow pencil.
Actually, I guess I go through 3 steps for my eyebrows somedays... but, you shall see.
So next, I want to shade.
For a lot of my shading toward the center of my face, I use this Too-Faced chocolate
bar palette.
As you can see, I only use two...
I use this color for shading.
We're going to take a brush, not too big, flat-edged brush.
We're going to blow on it and cover our eyelids.
I don't know why, but every time I do something to my eyes, my mouth opens automatically.
I don't know if it happens to you guys too.
It kind of bothers me... because I look so stupid.
We're going to move on to the nose.
I have a pretty round nose and I want to make it sharper because it makes you look thinner.
I'm going to do the sides of the nose and then do the other side in the same way...
and then do the middle because I have a weird bump in the middle of my nose.
Then we're going to do the eyeshadow.
We're going to use this base, it's a light brown mixed with a little bit of orange.
And I'm using this brush- it's sort of pointy and works well with eyeshadow.
Then I'll use this brown color and apply it to the outside- the outer corner of my eye-
and the inner corner as well, to give a bit of depth.
Then I'm going to take some of this with my finger; anything glittery- any glittery eyeshadow
that you want to apply to your eyes and really want pigmented- you want to use your finger
for it because it really helps enhance the pigmentation.
Apply it to my eyelid, starting from the center of my eye outwards.
And then maybe apply a little bit down here.
Also I love this palette because it smells like chocolate and I love chocolate so much.
Then we're going to apply some eyeliner.
I sometimes apply brown eyeliner, depending on what I'm wearing for the day.
If I want to be more warm-toned that day, I apply brown, and I use a different foundation
to become more warm-toned.
Today I'm going for a more cool-toned look, so I'm going to use black eyeliner.
I used to use liquid eyeliner, but now I'm lazy and I just use pencil.
I don't really want to do the center of my eye, but I am going to do the inner corner
because it looks more natural when I close my eyes.
For the center of my eye, I just want to do my eye liner- the inner part of my eye.
I like pencil liner because it's really easy to fix your mistakes.
You just sort of smudge the parts you don't like off, and shape your eyeliner with your
fingernail sometimes too.
So we're done with eyeliner.
Now- okay, I've been having trouble with this eyelid these days because my crease is becoming
super weird.
Because I want to even out the top part and lower part of my eyes, I want to take my eyebrow
drawing pencil from before and shade in the bottom corner.
Wide in the beginner, and then narrower- sort of in a triangular method.
I'm also going to draw... my eyelid ends there- the crease ends there, so I want to extend
it to the end of my eyeliner to make it look like I have bigger eyes and to make my eyeliner
look more natural.
So now you can see I've extended it.
Now I'm going to curl my eyelashes... with this- wow, it's really dirty.
But I swear, beneath that caked mascara, it says Shiseido.
These are the best eyelash curlers ever.
I can apply some mascara.
I use the Colossal Volume Express by Maybelline.
I like this one because the brush is curved to fit the shape of my eye.
I sort of zig zag from the roots of my eyelashes upwards to prevent clumping.
And then I'll apply it to the bottom in the same way.
Then I do 2 coats of this.
I'm going to curl again after it's dried a little bit to make sure my eyelashes stay
curled the entire day.
And I know some people like to curl their under lashes; I don't have enough- they're
not long enough for me to do that so I'm going to skip that part.
I don't always have this much trouble with my eyelid, but when I do...
It's probably because I cried yesterday while watching a movie.
It's a Korean movie called "Always".
It has So Ji Sub and Han Hyo Joo in it and it's so good.
You have to watch it if you haven't already.
It's like a melodrama and it's just really sad... but happy.
I don't know, I don't want to spoil it for you if you have yet to watch it, so go watch
it.
I'm going to fix this eyelid using some eyelash glue.
I have some Duo eyelash glue and I'm just going to wet one of the ends and
find the crease that I want and pull toward the inner corner of my eye.
That way, the glue has stuck your crease together and you can always apply more if you want.
And if you think it shows too much, you can always apply primer, but I don't own primer,
and I don't care that much.
I think it looks fine so I'm just going to leave it.
So now, I've become pretty decently human, but there are still some final touches I want
to make.
First, I want to apply blush.
Blush is one of my favorite parts, probably after my eyebrows, because it's just fun.
I'm using this Canmake.
It's from Japan.
It looks like this and has this tiny brush that I use.
It's a very light, sort of strawberry milk cheek.
I'm going to use my eyebrow drawing pencil again and sort of make the under parts of
my eye more accentuated- accented (?), by drawing a little line under there.
You can do that with eyeshadow if you want, but I prefer using this.
I want to shade my nose a bit more too, so I'm going to draw some lines there and just
use my fingers to spread that out.
For my cheeks, I also like using this Mad Matte Clio palette.
It's actually lipstick but I like using some of the colors for my cheeks because it's very
pigmented.
I'm going to use some of this matte red color and apply it to my cheeks.
Then I also want to apply this dark pink color to the center of that.
Now I want to go into shading.
I first like to use this.
It's Too Cool for school art class by Rodin.
Too Cool for School is a Korean Brand and a lot of Korean people who like makeup love
this bronzer.
I personally don't think it's strong enough for my tastes.
I'm going to use this brush and start with my chin, then my forehead.
Using this Canmake...
So now that all of my shading is done, I'm going to use the same eyebrow palette, and
do the rest of my eyebrows with this tiny brush.
It has a flat end and it's small and stiff.
I just like to put some of this dark color on it and draw extra hairs at the beginning
of my eyebrow to make it look more natural and fuller.
If you already have thick eyebrows, you don't have to do this.
That's pretty much it for most of my face.
I do want to apply lipstick.
I'm really into this color.
It's Mad Matte Mocha Chip.
It's my favorite color; it's sort of a dusty rose color- a pinkish, brownish color.
It really helps with my lips- it helps them look bigger.
I'll show you how I extend my lips using this.
This is really potent, so people with small lips like me only want to use a few drops.
I basically apply 5 drops of this and use my finger...
Then I do that to make it naturally fan out past my natural lip line, to smudge it out
and make my lips look bigger in a natural way.
I use this thing from Etude House.
I've used it for so long that everything is erased now, but this is a glitter stick.
I use this to highlight my inner corners, my nose, the middle of whatever this thing
is called, my chin, and sometimes my cheeks.
This is the finished look.
I'm going to unfurl this to show you what my hair looks like.
It looks like this- they're really big waves and I can brush them out to make them look
more natural if I want to.
This is what my bangs look like right now.
I'm going to do my hair and put on some clothes, and I'll be back.
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Brothers se emocionam com mensagens do Anjo - Duration: 1:04.
Brothers se reunem na sala para assistir as mensagens das famílias dos Anjos Rodrigo e Alan
A dupla recebeu um almoço como prêmio e pôde levar duas pessoas para compartilhar a refeição
Hana e Danrley foram os escolhidos. Durante a exibição das mensagens na casa Tereza, Elana, Isabella, Hariany, Carolina, Rízia, Paula, Diego e Gabriela se emocionam
"Se eu receber um negócio desse da minha mãe eu morro", comenta Rízia. Brothers se emocionam com mensagens do Anjo — Foto: TV Globo
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Zapytaliśmy Malwinę Wędzikowską o romans z Kubą Wojewódzkim. Jej reakcja daje do myślenia! | Party.p - Duration: 1:18.
Kilka miesięcy temu w mediach gruchnęła wiadomość o tym, że Kuba Wojewódzki rozstał się z Renatą Kaczoruk po kilku latach związku
Choć niektórzy uważali, że ich drogi jeszcze się zejdą, jest jednak inaczej. Każde z nich podróżuje oddzielnie i skupia się na własnych sprawach
Kuba Wojewódzki, znany ze swojej słabości do płci pięknej, nie próżnuje. Od czasu do czasu można go spotkać w towarzystwie uroczych kobiet
Jedną z nich jest między innymi Malwina Wędzikowska. Niektórzy plotkowali, że między nimi wybuchł romans
Jaka jest prawda? Czy Malwina Wędzikowska naprawdę spotyka się z Kubą Wojewódzkim? A może to tylko przyjaźń? Zobaczcie nasze wideo i dowiedzcie się więcej!
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Mocne słowa Franciszka do wiernych. „Takie myślenie to herezja" - Duration: 7:20.
For more infomation >> Mocne słowa Franciszka do wiernych. „Takie myślenie to herezja" - Duration: 7:20. -------------------------------------------
Why Hurt Your Body? Let's do a freestyle workout called "know your body" by a funny Asian girl - Duration: 1:33.
Work Out with LunLun
My first workout video...
hi, working out time
hi, working out time
It's not too busy today
It's not too busy today
It's not too busy today
It would be nice if I have more friends to work out with
It would be nice if I have more friends to work out with
It would be nice if I have more friends to work out with
but I hope you have a good workout, bye!
Stair-masters
Stair-masters
hanging
Weight carrying
Thank you for watching
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BRAZIL'S INCREDIBLE SCENERY - ITACOATIARA (Niterói) - Duration: 8:01.
For more infomation >> BRAZIL'S INCREDIBLE SCENERY - ITACOATIARA (Niterói) - Duration: 8:01. -------------------------------------------
Rap do Meliodas (Nanatsu no Taizai) | TORNEIO GEEK 2019 – EVENTO SIDNEY SCACCIO NOS BEATS - Tek - Duration: 4:02.
For more infomation >> Rap do Meliodas (Nanatsu no Taizai) | TORNEIO GEEK 2019 – EVENTO SIDNEY SCACCIO NOS BEATS - Tek - Duration: 4:02. -------------------------------------------
Arsenal transfer news: What Gunners must do first to sign James Rodriguez this month - Duration: 2:59.
Arsenal look set for a quiet end to the mid-season transfer window with Unai Emery admitting he has limited funds at his disposal
But they could free up cash for a couple of late signings by selling Aaron Ramsey, who is set to join Juventus on a Bosman in the summer
Arsenal have been tipped to use the cash that Ramsey's exit would generate to snare Bayern Munich loanee Rodriguez and Barcelona midfielder Denis Suarez
However, it seems the prospective deal for Rodriguez is altogether more complicated than just getting Ramsey off the books at the Emirates
Bleacher Report claim low-level talks regarding a potential move for Rodriguez have indeed taken place
It is unlikely, though, that the Gunners would snap him up if Mesut Ozil remains in north London
German playmaker Ozil is Arsenal's highest earner on whopping wages of £350,000 a week
And the need to comply with Premier League financial fair play rules means those would have to be shed to sign Rodriguez
Arsenal's chances of getting rid of Ozil are limited by his salary, which few clubs could afford to take on in full
While his love of life in London means he is more than happy to remain with Arsenal going forward
Therefore a deal for Rodriguez is improbable at this stage, despite Bayern and parent club Real Madrid being willing to do business
Bleacher Report indicate Arsenal are not the only team that Rodriguez has been offered to in January
And Unai Emery will be hoping he does not rock up at a rival who could harm their chances of finishing in the top four
Arsenal are currently fifth in the Premier League, three points adrift of Chelsea who occupy the final Champions League qualification spot
And next up is Tuesday night's showdown with Neil Warnock's relegation-threatened Cardiff at the Emirates
Arsenal go into the match off the back of Friday night's 3-1 FA Cup defeat to Manchester United
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Jak zrobić wzmacniający SZAMPON do włosów z pokrzywą // DIY // loBelia - Duration: 2:50.
For more infomation >> Jak zrobić wzmacniający SZAMPON do włosów z pokrzywą // DIY // loBelia - Duration: 2:50. -------------------------------------------
How Do Capital Gains Work? 📈 (Capital Gain Tax Rules Explained) How Stocks and Dividends Are Taxed! - Duration: 25:40.
how's it going everybody I hope you're all having a lovely day it is time
ladies and gentlemen to talk about investments and taxes in the same video!
as we discuss the rules for capital gains how your dividends are taxed as
well as your stock sells are taxed in this video I'm gonna be covering
specifically more along the lines of financial instruments like stocks bonds
etc I'm not gonna be covering the taxation on the sale of collectibles or
real property such as real estate I'm specifically focusing on dividends and
stocks for this video I've gotten a ton of requests for this video and I've been
wanting to do it for a long time so I finally was able to get around to
produce it now as we go through this video you're gonna see a handout on
screen and the handout the word document you're seeing is completely free to
download you're gonna find a link to it in the comment section below and in the
description section of this video first let's talk about why I think you should
be excited about capital gains so when you think of taxable income and you
think about tax efficient income capital gains is pretty high in the list if you
think about it the most favorable income for income taxes is tax exempt right a
good example of that would be muni bonds where you where you receive tax exempt
interest but other than tax exempt income which are very very few sources
of tax exempt income the next best is income that is taxed at capital gain
rate so capital gain income is huge for your taxes you can save a tremendous
amount of money in taxes by structuring your income to be more capital gain
focused oh and speaking of capital gains if you were fortunate enough to have a
capital gain that by the end of 2018 will congratulations
let's start off by talking about what types of income are subject to capital
gains rates this is really important and there because there's very few types of
income there are the first one is qualified dividends and the second one
is long term capital gains but before we talk about long-term dividends and long
term capital gains let's take about let's take a step back and talk about
capital gains in general and why they're so awesome
okay so depending on your income which is now it's it's mainly based on your
overall income as you're seeing from the chart on the screen you might pay zero
dollars on your capital gains ten percent 15 percent or even 20 percent 20
percent the max so on capital gain income okay and this is huge this is a
huge tax savings because even if you're in the top bracket let's say let's say
your income is really high and you have to you you tax on your capital gains at
20 percent well it sounds like a lot but it's really not because when you look
over at somebody who's working for wages that those wages they receive they never
wages do not get capital gain rate treatment they're always taxed that
earned income is always taxed at ordinary income rates which can be a
maximum tax bracket now in the new laws of 37 percent so compare the maximum 20
percent rate from capital gains to 37 percent maximum tax bracket from wages
you can quickly see there's a huge tax advantage to making your income through
capital gains and if you've ever watched a interview from Warren Buffett
sometimes he mentions how the rate of tax he pays on his income is often lower
than his secretaries well that's what he's talking about he's talking about
his secretary who earns wages Payne ordinary income tax rates versus him who
receives a lot of his living through dividends which is taxed at a much lower
rate at least from a percentage perspective and obviously as you guys
can see if your income is low enough you can pay zero tax on your capital gains
and qualified dividends but with that simple example of a tax rate savings of
17 percent over the maximum bracket you can quickly see how fast the tax savings
can add up now let's talk about capital gain rate treatment and qualified
dividends and then we're gonna talk about the treatment for stock sales and
stuff like so four qualified dividends what you
need to know is a lot of it's just about the holding period okay so it's how long
you hold the investment so the longer you hold the investment the better now
that you know that there's a huge tax advantage to being taxed at capital
gains rates let's talk about how that applies to qualified dividends and with
dividends qualified dividends in particular there's there's two types of
dividends there's ordinary dividend and there's qualified dividend
well the qualified dividend is the one you want that's where you get the
capital gain rate taxes versus that ordinary dividend you get that's when
you're gonna be taxed at the same rate as wages are as if you're working for
for a paycheck at a job as a simple example if you buy AT&T stock when you
first get your first dividend payment you might not have held that stock long
enough to get a qualified dividend treatment so that dividend payment is
gonna come to you in the form of an ordinary dividend and you're gonna be
taxed at ordinary rates but if you do hold on to that investment long enough
then you're gonna get the more favorable capital gain rate treatment which is
what this talks about right here it says common stock investors must hold the
shares for more than 60 days during the 121 day period that starts 60 days
before the ex-dividend date for preferred stock holders the holding
period is more than 90 days during a 181 day period that starts 90 days before
the ex-dividend dates over time the longer you hold the investment the more
likely you'll start to receive instead of ordinary dividends your dividend will
eventually become qualified so there is an incentive to hold on long term to
that investment especially if you're somebody who's investing for dividends
now there are certain types of stocks there were companies that you can invest
in the where you can't get the qualified dividend treatment no matter how long
you hold it and the perfect example of that is real estate investment trust no
matter how long you hold on to a real estate investment trust it is they're
not allowed to send out qualified dividend treatment or qualified
dividends it's always gonna come to you that dividend is always going to come to
you in the form of an ordinary dividend so those are the basic taxation rules
for dividends and now let's move on to capital gains or when it comes to the
sell stocks so when we think of stocks we need to think of the holding periods
right so because there's a short term and there's a long term holding here
in the long-term holding period we need to hold that investment before we sell
it we need to hold it for more than a year notice I did not say exactly one
year if you hold the investment for exactly one year and then you sell it
you're gonna be subject to short-term capital gain rates which is you don't
want that you don't because short-term capital gain rates are taxed at ordinary
income rates just like ordinary dividends and just like wages you don't
want that that's a higher taxation rate so you want to avoid that so if you're
thinking of selling this as a security of ETF a mutual fund whatever our stock
and you're close to having it held for more than a year then by all means I
would probably encourage you to hold on to it for a little bit longer hold that
stock for one year in one day and then sell it and then you're gonna get that
good nice capital gain rate treatment so it might be the difference between when
you sell that stock it might be the difference between paying 30% in tax
versus 15% tax just by waiting a little bit longer so huge tax savings there as
you guys can see question I get a lot is Mike when do I have to pay taxes on my
stocks sales when do I have to pay taxes on my dividends the answer is it really
depends just to eliminate any confusion as we progress to talk about taxes in
regards to your dividends and taxes in regards to your capital gains when I'm
talking about taxes in this video just know that I'm talking about if you have
your investments and a normal standard brokerage account in other words it
would mean if your investments were not within a retirement account such as a
traditional IRA or a Roth IRA if your investments are held within one of those
types of accounts one of those retirement accounts then when you
receive dividends capital gains you would not be taxed at all you would not
be paying tax at all until you take a distribution from those accounts and of
course we know from some of my other videos that if your investments are
within a Roth IRA even when you take a distribution it's not going to be
taxable but for the purposes of this video we're strictly talking about
taxation of your dividends and capital gains and the things like that within a
normal taxable brokerage account a non retirement account now for most people
their income from you know the sale of securities and things like that is it's
not a lot and so generally in reality when
they go to pay the tax on that they're paying it when they go to file their tax
return in the following year that's for most people but it's a lot different if
you have a really high income you're an investor who gets a lot in dividends or
you're doing a lot of sells of stocks you have short-term capital gains
long-term capital gains etc then you might look at making the quarterly
estimate throughout the year the stay caught up with your taxes
but that's usually for higher income individuals but just so you know even
most investment platforms you can tell them to withhold on your dividend
payments or from cells of your securities you can say okay well if I
receive you know dividend payment of X please withhold 20% on that for taxes so
that way what's nice about that if you want to do it that way
you don't have to but at least you're paying your taxes in throughout the year
so that you're not surprised when it comes to tax time and when you go to
file your taxes and realize oh shoot I received $10,000 in stock sales and
dividends no shoot now I have to pay hundreds and hundreds of dollars in
taxes on this income so that is one nice thing you can do if you want to do it
that way but like I said you don't have to all
right let's talk about sock sales now and taxes for that so there's two
concepts you need to know the first one is there's recognized gains or losses
and the second one is there's unrecognized gain or loss so the
unrecognized gain or loss is really simple it just means your your position
within investments whether it's whether you have a gain or loss there's no tax
effect over here so an unrecognized gain or loss has no tax effect and you guys
can read this right here in in the handout the important one for taxes as
the recognized gain or loss that's the one you want to know about what a lot of
people don't understand or what they need if they're especially if you're new
to investing is you don't actually recognize gain or loss until the day you
sell the investment until you sell the investment no matter if you have a gain
of a million dollars it doesn't matter it's only once you sell it that's when
you have to pay taxes on that money so just keep that in mind when you sell it
that's when you recognize it and this is I put a simple example in the handout
but if I have a gain of seven thousand dollars of my Amazon stock if I hold on
to Amazon it has no tax effect I don't have to do anything with it until the
day I sell it another question I get a lot is Mike how our capital gains
calculated it's not too bad it's not it's not too hard to figure that out so
it's basically you take your fair market value of the stock you sold or a mutual
fund or ETF whatever it was as you sold - you're caught - your cost basis so
you're fair market value minus your cost basis so if you have let's say you sold
a stock let's say it's Amazon let's say you sold Amazon for $2000 and originally
you purchased that stock back in you know about over a year ago and for let's
say $800 well your cost basis now is $800 so purchase price and cost basis
are the same thing but for tax purposes if you want to learn to speak tax you
want to use the term cost basis that's what you're gonna hear a lot so your
cost your to calculate your capital gains now is let's say we sold our stock
for $2,000 our cost basis was $800 that means we have a capital gain of $1,200
as I mentioned in the example we held this Amazon stock for more than one year
what does that mean do we get the short-term treatment or long-term
treatment if you think long term treatment you are correct because we
held that investment for more than one year before selling it okay so we talked
a lot about capital gains on stock sales but what about if you lose money
you know people lose money in the stock market what do we do then well it's not
all bad news if you recognize a loss there's two things that will happen one
is your capital loss from that investment will helps offset other
capital gains and to part of that loss can be used to offset other income or it
will be carried forward which we're gonna discuss here in just a minute and
I and I have an example of how a loss would be applied against other capital
gains right here but I'll let you guys read that for yourself and the next
question you might have are my losses limited from my capital gains and the
answer is yes they are limited and so here's an example so in this example
chipper incurs a short-term capital loss of 5,000 for the year how much of the
loss can he take now this is from capital gains right or sells the
securities and things like that yeah it really depends on your filing status if
chipper is single or married fine separate he can deduct up to $1,500 in
the current tax year from that loss on the sell of his stock what happens to
the rest of it well the rest of it the other $3,500 of that $5,000 loss would
carry forward to a few year now if chippers filing status was
not single but if it was married filing joint he could deduct in that first year
up to a three thousand dollar loss on that five thousand and the rest
remaining would carry forward to the next year our future years as you guys
can see here the amount of loss not deducted will carry forward until it's
eventually used up it says the lost carry forward will retain its
characteristics as either short-term or long-term so if you have a long-term
loss it'll carry forward as long-term loss a short-term loss will carry
forward as a short-term loss moving on let's talk about the ordering rules just
real briefly so when you sell securities especially at a loss then the ordering
rules come into play of how that loss is used up first the loss is going to
reduce any other short-term capital gains and you know because this is
because we're just looking at the short-term capital loss for example guys
the secondly it but if there's no short-term capital gains then what but
there's no short-term capital gains that loss is then apply to gets net long-term
capital gains tax at the 28 percent rate which would be at the rate Tec
collectibles are taxed at if there is no collectibles then we moved on down the
line to number three we could reduce any net long-term gain tax at 25 percent if
there's any number four then we would if last but not least if it hasn't been
used at that point we would reduce any net capital gain tax at twenty percent
15 percent or zero percent if there's any and of course if there's nothing to
offset it that loss would just carry forward to a future year there are
ordering rules for long-term capital losses but I'll let you guys read that
for yourself big question people have is what happens to my capital gains if they
die if somebody dies like a spouse well unfortunately upon once passing all
capital gain lost carriers are lost but if you're married there there is an
exception of that so let's go down a little bit here upon one spouse is
passing away half of their losses allocating to the surviving spouse and
can be carried over to future years so you you at least get to take half the
loss from a DC spouse if there is one to begin with whereas if you die single and
you lose it you totally lose it it just disappears but by then you're dead
anyways so who cares okay wash tell rules what is that well a
lost sell occurs when a taxpayer sells a stock at a loss
within 30 days before or after the sell and invest in substantially identical
stock or securities acquire substantial identical stock or security than in a
fully taxable trade or enters into a contract or option to acquire
substantially identical stock or securities if when you read that it
sounds really confusing but that a more basic example is let's say I go out in a
I buy Chevron and let's say on January 1st I sell Chevron and I sell it at a
loss within like 20 days later I think Chevron is a good investment again and I
go by Chevron once again well because I'm buying the same
identical stock once again within 30 days or similar sock I cannot deduct
that loss so I can I cannot take that loss on my tax return when it comes tax
filing season and you're gonna see that on your 1099 B which we're gonna talk
about here in just a second when you get your official tax form for that tax year
you're gonna see that wash sale law showing up it's gonna have a code W next
to it to identify that it is in fact a wash sale all right what happens to my
stock or securities if they become worthless it does happen
worthless securities are treated as though they were sold on the last day of
the year the last day of the year will determine if your loss will be long-term
or short-term on these securities where do I report capital gains our stock
sales on my taxes though well let me tell you guys the forms you need to know
about there's a couple forms you need to really understand one of the first forms
to know about is form 8949 cells and other dispositions of capital assets in
my opinion this is one of the trickiest forms to know about I'm gonna have to
make a whole separate video about it because it's not that complicated but it
would take too much time to explain here the NICS form to be aware of is schedule
D Schedule D shows capital gains and losses and this is where you would go to
the report you're not only your short-term capital gains and losses but
your long-term capital gains and losses as well this is another form where I
could do a whole separate video about Schedule D and form 8949 interact
together they work with one another if you study those two forms closely you
can see how they're related and how information can transfer from
one form to the next from Schedule D now for your final net capital gain numbers
once you add up all your short-term short-term gains or losses all of your
long-term gains and losses then that information now transfers to under the
new tax forms - 1040 Schedule one other under other income which is what I'm
showing you right here you can see I've highlighted the line where total net
capital gains are reported capital gains used to be reported on 1040 page one but
because of the new tax form for 2018 now the only place you can find them is 1040
Schedule one since we're talking about capital gains and investments let's not
leave out Schedule B on Schedule B you'll see here on the top half of the
form is where you would report interest income on the bottom half of the form is
where ordinary dividends would be reported now notice it does not say
qualified dividends just ordinary dividends so what you would do is you
would put all your interest income here all your ordinary dividend income here
and then that those totals would transfer to 1040 page two as you guys
can see here on screen so we just covered the majority of the forms that
relate to capital gains we talked about Schedule D we talked about form 8949 we
talked about 1040 Schedule one we talked about 1040 page two and of course for
dividends interest in dividends is on Schedule B so we're talking about taxes
well where the heck do you get this information free taxes do you have to
cut it down yourself do you have to keep track of every penny you buy and sell
well the good news is that your brokerage company are the custodian of
your account let's say you're with Robin Hood Ameritrade or each rate or whatever
Vanguard fidelity when it comes to tax time usually it's around February
they're gonna send you a an official statement it's called a 1099 B or it's a
1099 - B and that statement is gonna have all of your investment activity
that is important to know for tax reasons it's it's it's meant for taxes
it's not meant to tell you how much how many shares of this investment you own
or that investment it's meant to report how much interest income you received
how much dividend income you sieved whether the dividends were
ordinary dividends or qualified dividends foreign income capital gains
short-term and long-term it's gonna report all those transactions on that
1099 B and it usually comes out February of every year so be looking for it as we
wrap up the video there's a few final items I want to cover with you guys just
real quickly and there is let's talk about net investment income taxes that's
a big one now for most people they're not gonna have to pay this net
investment income tax comes into play when a person has a really high income
and they have capital gains as well now this doesn't even come into effect until
your income starts to exceeds over 200 grand if you're single if you file your
tax return single or 250 thousand if you file married filing joint so that's so
for most people you're gonna completely avoid this but if if you remember
earlier in the video we talked about a 20% max capital gain rate well if you're
subject to net investment income taxes this tax on another three point eight
percent so your max capital gain rate goes from 20 percent up to about twenty
four percent now because of these net investment income taxes unfortunately
but like I said it doesn't happen until you get a much higher income when I do
produce these tax videos I mainly produce videos around the federal
taxation laws because each state is different so you really need to look
carefully at what the capital gain rates rules if any apply to you the state you
live in California for example does not have capital gains rates that everything
is taxed at ordinary income rates which really sucks but that's just the way it
works so I don't get any favorable tax treatment here in California but no
surprise there that's why the bare on the flag right so I wanted to mention
that just so that you know to look out for that on your state income tax return
last but not least I have included a link to publication 17 at the bottom of
the word document you can go here even I know it says 2017 returns ignore that
many of the rules are exactly the same for 2018 and on when it comes to capital
gains and Taxation so you can find more information within this portion of this
document and you can find this information on the IRS website are this
link right here so be sure to check it out if you want to learn more and I'll
probably also link up the link for the instructions to form 8949
Schedule D and 1040 page one where you can find a more informational on all of
this the final thing on a holding periods I want to mention here well as
we're talking about long term and short term is that when it comes to investing
the taxes you are much better off going long-term than you are short term if
you're somebody who's a swing trader day trader or if you know people like that
well when you sell when you when you hold a stock for one year or less you're
subject to ordinary income rates so these people who are doing swing trading
and all that kind of investing who are holding it for a very short period of
time they're paying the maximum tax rates on that income which is a major
bummer versus if you just hold your investment for the long term and then
you sell it once you've held it for more than a year then you're gonna only gonna
be subject capital gain rates which like I said range from only zero to twenty
percent in most cases much better than the ordinary income rates which can go
as high as thirty seven percent you guys probably know now I've probably realized
now from watching my videos but I really like investing for dividends and I'm
over all I'm a generally a long-term investor so I my focus is to build a
portfolio of dividend producing assets ETF stocks and things like that that
will spin off an income for me a retirement of as much in qualified
dividend income as possible so that when they receive that income I pay the least
amount of tax possible the least amount ladies and gentleman that was truly a
whirlwind of information we talked we covered everything from what types of
income to our subject to capital guarantee treatment short term holding
periods long term holding periods we talked about the ordering rules we
talked about just a boatload of stuff in this video where to report on your taxes
etc so hopefully you guys found this helpful I look forward to let me know
what you guys think about all this stuff about these rules make sure to download
the handout because I spend a lot of time putting this together for you guys
and it's gonna be a great reference when you're thinking about your investments
and your taxes and things like that you can go back and reference this too you
know stay fresh on all this stuff if you guys liked the video please do me a
solid by smashing that like button it really helps me out and helps get this
video out promoted to more and more people if you're new to money live TV
well welcome to the channel on this channel our focus
is to help you become fiscally fit and we do that by teaching finances
investing and taxes and more on a regular basis to join our community all
you have to do is hit that red subscribe button and please hit that notification
bill icon so you do not miss any of our future uploads well everybody I think
I'm gonna wrap up the video here I really appreciate you taking time out of
your day to be here I know it's a big commitment and this was a lot of
information to cover so remember to use a time stamps if you want I look forward
to reading your comments in the comment section I hope you guys have a wonderful
week take care of yourself stay chill and now take this information and use it
to live your life on Kage I'll see you all in the next one guys pace
you
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Meditação Guiada Thetahealing: Me permito dessobrecarregar do excesso de responsabilidade - Duration: 15:23.
For more infomation >> Meditação Guiada Thetahealing: Me permito dessobrecarregar do excesso de responsabilidade - Duration: 15:23. -------------------------------------------
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For more infomation >> BBB19: Durante o almoço do anjo, Alan e Rodrigo caem no choro com mensagens dos familiares - Duration: 4:06. -------------------------------------------
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like and subscribe to my channel get my channel to 1k subs at least 100-200 for now want start posting till i get 100 subs
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What I do for Work/ Uni | FTM [SUBTITLES] - Duration: 10:37.
Hey pals, how are ya doing?
I'm a bit unwell at the moment,
so I thought I would just do a
little low-key
kind of chatty video about something I get asked fairly often
which is what I do in uni and for work
I go to uni that's my main thing and
that is for youth in community work,
and on top of that I have a part-time job as a youth worker
at the same place that I am doing placement for youth work at uni.
A lot of people think that youth and community work is kind of just like
picking up litter in the streets or just sitting in a room and making sure young people
are not getting in fights and stuff like that when that's not the case.
I thought it would just be interesting to talk a bit about what my job and course kind of, entails.
I guess I'll start with how I got into it.
A few years ago
I started going to a youth group for trans people..
this was like when I was around
18.. I'm 23 now so about five years ago.
I was feeling super isolated and really
internally transphobic so I felt like in order to progress in my transition and
feel a bit better about myself I needed to find other people who are going
through similar things to me.
During that time I was helping out where I could,
I was doing talks in schools about what it's like to be trans and gay,
and just, a young person navigating life.
I also did a few talks at like NHS conferences and
I got used to facilitating groups and sessions around being trans and LGBT
kind of things.
After about three years I kind of found myself feeling really low
and like I didn't know what to do with my life,
so I was asking for support from the people that ran the groups,
and one person knew of a group that might take on volunteers,
I kind of just said yes on a whim and
was like well it's something to do something to kind of maybe help me
figure out what I want to do in life and I started working there just three hours
a week voluntarily.
While I was volunteering that I was offered a place
on a course that kind of introduced you into a youth work and working with young people.
So again I kind of just said yes to that not entirely sure what it meant
and what it would entail but I thought it would be a good opportunity,
something's good to put on my CV and experience and all that kind of stuff.
I started really enjoying what I was learning and realizing that there was a
lot more to youth work than I had originally thought because,
I was one of those people that thought Youth work was just about being in a room,
and having fun, and just kind of being there whilst young people did their thing.
Fast forward to May two years ago maybe? I want to say..
I got offered a part-time job at
that youth project which was great because I was really enjoying it and
it made me feel like I had a purpose.
It was LGBT specific so I felt quite safe,
and I just felt like I was kind of thriving in that environment.
After I did this like course for Youth Work, I was kind of introduced into the idea of
going to university for youth work, and kind of just like encouraged to apply.
At the time I didn't know whether or not uni was right for me I didn't know
if I could do it with my mental health,
I didn't know if I'd be smart enough or anything like that
but I just said yes anyway. I said I'd apply I'd go to the interview to see
what happens and I got in.
While I still had my part-time job at the youth project,
you were given a placement for the first year of university and
the placement I went to was not at all what I really wanted it made me feel really uncomfortable,
I didn't know of any LGBTQ people there so I felt unsafe,
Some of the people that were there were really like difficult to be around,
And the language that was used was really problematic and I just felt really
Out of my comfort zone and I just hated it, and it made me question whether or not
youth work was something that I actually wanted to do.
The kind of things we were
learning about were like the history of youth work and how it developed,
and why it's a thing, and the kind of responsibilities you have as youth worker.
Essentially, in order to get funding for youth projects, a lot of people require you to have set
goals and aims in your project, like helping young people with mental health
and talking about alcohol and drugs and safe sex and all that kind of stuff
so you have to prove that you're doing that and benefiting the young people
in a measurable way,
so they kind of succeed and become a successfully funded group.
So this year I chose where I wanted to do placement and that was in my
workplace which has been really great,
Because the place where I work is really
supportive and it's a really safe environment
A lot of it is like essay
writing there's no exams, but there's a lot of coursework and it's not as simple
as "prove that you're in a room for the people and keeping them safe"
It's about understanding the background of youth work and what the importance of it is,
and how your work affects young people emotionally and physically, and
what would happen to the young people if you weren't there, and why it's important to do
and all that kind of stuff so it's... it's kind of interesting if you're into it.
I have to plan sessions that I know the
young people will be interested in and want to learn about,
things that will
help them,
things that I can evaluate and say that it was necessary because of
these reasons...
so some examples of that would be getting someone from a
Sexual health NHS service to come in with a silicone anatomy and tell young people
about their body parts and how like coils are inside and stuff like that.
We've done things like getting mental health kits, making little booklets so
that they know where to turn and what to do if they're struggling with their mental health.
We've done things like getting counselors to come in and talk
about what counseling is and what mental health difficulties people might go through,
and what they might be dealing with.
Yesterday we did a session on
internalized homophobia which I thought was really interesting,
difficult,
but interesting so I got the young people to think about what scenarios would be
considered as internalized homophobia and why people feel like that and
where it all comes from so that they can understand better about the way they
feel and how to kind of challenge that.
So I have to plan those sessions,
I have to facilitate those sessions, make sure everyone's happy,
make sure that everyone's getting the kind of support
they need.
Sometimes youth work can be quite unpredictable and when you're going
around talking to people,
someone might mention that they feel suicide or
that they're being abused, and you kind of have to be on your toes all the time
to know exactly what to say and who to talk to if they bring stuff like that up,
or what to do with that young person if you don't think that they're going to be
safe when they go home,
and it's kind of really interesting and every day is different,
and I just really love being able to be there.
After these sessions I
have to evaluate everyone and talk about how well every single person did in that
session whether or not they cooperated appropriately, whether or not there are
any issues,
whether or not there is anything in terms of safeguarding that I
needed to report and get in touch with outside services,
like counselors or
police or anything like that,
and then from that evaluation I can
continue my sessions and see what needs to be changed and what needs to be
continued,
and what is most beneficial for the young people.
One thing that really helps me to continue doing it is knowing that I needed this kind of
support when I was younger,
and I think a lot of things that I went through
probably could have been prevented if I had that support,
so I kind of used that
as motivation to bring awareness to different topics and stuff like that.
When I was like first coming out as trans and going through all the medical
stages and talking to therapists and everything,
I really wanted to be a
gender therapist so that I could be a trans person who talks to another trans person,
and at the moment I'm not entirely sure how I'm going to go about
doing that, while I'm studying youth work,
but I feel like over time
might be able to get a degree as a counselor hold youth groups and then at
the side do one-to-one work with people to help them through difficult things,
and then maybe be there for trans people that need other trans people to talk to.
I know it can be really difficult when you're a trans person talking to someone
about your gender who is cis and has no idea what it feels like to not identify
with the gender they were assigned,
so, that's my motivation behind wanting to
be a therapist in a kind of gender therapy setting.
I get quite a few
messages being like "what are you studying at Uni?" and "what do you do for work?"
and so I thought it'd be interesting to kind of just talk about
it more in depth rather than just saying "oh, I do youth and community work" because a
lot of people don't know what that entails,
so there you go that's what it
includes and that's my life at the moment.
I hope everyone's having a great day,
and a great week, and a great month, and a great everything and I will speak
to you soon,
bye.
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