Julie had a $12,000 gain on the sale of stock purchased three years ago, a $4,000 loss on selling stock she had only owned for 3 months, a $5,000 loss on the sale of her personal use auto, and a $5,000 loss from the sale of land used in her business (owned for six years). Julie had no other property transactions this year. What will be the net effect of these transactions on Julie's tax return, in terms of gains and/or losses?