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hi, these are probably very basic questions, so thanks for any hand-holding.

- let's say that i have capital losses of $1000 in my SEP-IRA account. (so far this year, i haven't sold anything that has appreciated, only stocks that have gone down.) can i use these losses to offset 1099 income?

- let's say i do sell some stocks in my SEP-IRA account, enough to make a long-term cap gains of $1000, so now the losses are all offset by the gains. how does this change the answer to the above?

- let's say i sell even more stocks that have gone up, and now have a capital gain of $5,000. if this is in my SEP-IRA, do i have to pay cap gains taxes on it? (even though i can't get this money out since i am not anywhere near retirement age?)

thanks!

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