Hello there!
If you do not have any self-employment income, then you may want to consider the TurboTax Self-employed.
If you do not have any self-employment income, TurboTax Premier would be sufficient, and it can guide you through the tax preparation. In addition, you may also want to consider TurboTax Full Service, which is where you upload your documents and a TurboTax expert prepares your tax return for you.
Unfortunately, you can only deduct up to $3,000 if you do not have any capital gains in any given year. The $3,000 is the maximum deduction, not a refund.
In a year when you have capital gains, you can use the capital losses to offset the capital gains, in addition to the $3,000 against ordinary income.
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