April received several properties as an inheritance on December 14, 2018. The following events were experienced in 2019:

Sale of stock (fair market value when inherited, $4,000;

decedents basis = $390) was sold on June 14 for $ 3,800

Withdrawal from traditional retirement account on June 15 6,000

Withdrawal from Roth retirement account on June 16 4,000

Loan from mortgage company on June 19 (inherited home

pledged as security) to purchase 2020 BMW on June 19 40,000

What is the tax effect (gain or loss recognized and character, including holding period when appropriate) of each of these transactions?