If your unrealized capital losses are in no-load mutual funds, the first and third points would not apply (unless you are subject to a redemption fee).

FORBES: Don't Rush To Recognize Capital Gains Or Losses

The Schwab no-load has a slightly lower expense ratio (35 basis points) and a higher turnover (27%).

FORBES: Betting Against Market Fads

Fair handled the early scoring load, scoring nine points in the opening 6 minutes to give Syracuse an 18-4 lead.

WSJ: Syracuse blows past Montana 81-34 in NCAA opener

The Quins started slowly and conceded the first points of the game with Rooney crossing for Wakefield after a fine off-load by Ryan Atkins.

BBC: Wakefield 24-20 Harlequins RL