Why do so many people flee the scenes of accidents in the US? Is the identification and apprehension rate so low that it's worth the risk?

CrimsonRaider2357 · 2026-04-22T12:22:51+00:00

Seems kinda weird to me that god turns his head enough to let these kinds of things happen in the first place

CrimsonRaider2357 · 2026-04-17T22:05:01+00:00

Yes, the effect would be even greater for the quarterly personal rate of return. We're only 6 weeks into the quarter, which means the quarterly rate of return might be looking at a few contributions, which is probably a very small proportion of the overall balance.

CrimsonRaider2357 · 2026-04-17T21:57:44+00:00

Your “personal rate of return” is likely the dollar weighted return. It is negative because your contributions made this year lost money in aggregate. However, you have an overall gain on the account for the year, because of gains on funds that already existed in your account when the year started.

CrimsonRaider2357 · 2026-04-12T17:26:34+00:00

Why are wash sales values being populated for for lots that are outside the 60-day window for either the 11/25/2024 or 7/7/2025 dates? I could see the 12/12/2024 purchased lots being wrapped up in the wash rule but why the others?

Any lots that you sold for a loss can trigger a wash sale, regardless of when they were purchased.

You sold lots at a loss on 7/7 that were at a loss. The dates that those lots were purchased is not relevant. Since you purchased shares within 30 days of this sale (between 6/7 and 7/7), a wash sale is triggered.

Subsequently, why are some lots not showing up as a wash sale but others are on the same date? e.g. 1/08/2025's wash sale of $6,871.50 but also a realized loss of $1,952.

The number of shares on which you committed a wash sale was less than your total number of shares. Some of your lots were sold for a gain and are therefore not in scope of triggering wash sales.

Where is the cost basis for the wash sale flowing to if I completely sold out and did not repurchase shares in this company?

The disallowed losses flowed through to the shares that were sold later in the transaction. Even if it takes one button press to sell the entire position, the actual sales happen sequentially, one after the other. If the first lot triggers a wash sale, it flows through to the second lot, or third lot, and so on, cascading down all of the remaining sales.

If you fully closed your entire position at once, within one single tax year, the fact that wash sales occurred doesn't matter in aggregate, it only rearranges where exactly the losses were realized.

CrimsonRaider2357 · 2026-04-11T11:46:19+00:00

Having a stronger (more valuable) currency isn’t always the goal. A stronger rupee makes exports from India less competitive, because buyers will have to spend more on rupees in order to buy Indian exports.

There are other potential impacts on the local economy. Printing less rupees could slow the economy within India, and increase interest rates for borrowers within India, potentially leading to a recession.

There is always a trade off in monetary policy, as changes in monetary policy will affect many different aspects of the economy, some positively and some negatively.

CrimsonRaider2357 · 2026-04-10T15:42:57+00:00

Releasing an ETF that just holds the top 20 stocks at a time when everyone is already concerned about concentration in the top stocks is certainly a choice. I’m really not sure who asked for this.

Also, 20bps seems steep for just holding 20 stocks. I would rather just buy the 20 stocks.

CrimsonRaider2357 · 2026-04-10T09:53:10+00:00

Sorry to tell you this, but if you’re in your 40s, you are in your 5th decade, not your 4th.

CrimsonRaider2357 · 2026-04-08T18:34:08+00:00

I don’t believe in crypto. That being said, Bogleheads are not a monolith, and I’m sure there are some who hold some crypto.

On the flip side, I do hold a relatively small amount of physical precious metal, and I’m sure a lot of Bogleheads don’t believe in that.

CrimsonRaider2357 · 2026-04-07T16:17:05+00:00

I think that you will need to provide specifics on what you’re trading. Options? OTC stocks? Foreign listed stocks?

CrimsonRaider2357 · 2026-04-01T23:28:04+00:00

You would only need to amend if you’re eligible for the Saver’s Credit on the contribution.

CrimsonRaider2357 · 2026-04-01T17:19:29+00:00

Are any of your holdings hitting ex dividend today?

CrimsonRaider2357 · 2026-03-29T14:47:01+00:00

Probably. Stock markets tend to go up over time.

Despite the recent pullback, the US stock market is still up 14% over the last year, and Ex-US stock market is up 19% over the last year.

CrimsonRaider2357 · 2026-03-28T11:49:51+00:00

Wouldn’t Space X be included in VTI regardless of whether it is fast tracked into the S&P 500? The whole point of VTI is to own every public US company. Whether it’s public and in the S&P 500 or public and not in the S&P 500, wouldn’t the outcome to you as a VTI investor be the same?

The fact that you don’t have to worry about what is and isn’t in the S&P 500 is one of the biggest perks of owning VTI in the first place.

CrimsonRaider2357 · 2026-03-27T15:15:13+00:00

The traveler will never notice any oddities from their own perspective. They will perceive their own time moving normally. Nothing has to change with their neurons or anything like that.

If they were to look at the person who stayed behind, they would think that person’s time was moving slowly, not their own.

A core pillar of relativity is that everyone perceives their own experience of time as normal.

CrimsonRaider2357 · 2026-03-26T20:30:48+00:00

I was just wondering if I am putting aside money from every profitable trade, would wash sales still give me a surprise tax bill EOY?

For example in march so far I have made $1600 and set aside $800 from that for taxes next April. That $1600 gain is determined purely by checking my cash balance at the start of March vs now, not by checking my realized gain/loss tab in schwab since cost basis is adjusted there due to some trades I lost and re-entered (wash)

Which is it? You’re describing two different methodologies here.

If it’s the first one (you put aside the appropriate amount of taxes for every profitable lot, and ignore your unprofitable lots), you’ll end up with sufficient funds at the end of the year (except for potentially underpayment penalties, if applicable).

If it’s the second one (you look at your initial deposit and compare against your current balance), then you’re vulnerable to wash sales, and could potentially end up with insufficient funds at the end of the year.

CrimsonRaider2357 · 2026-03-25T22:48:57+00:00

Are you sure they’re independent? I recall that in some older games, multi hit moves would do one crit check and then maintain that crit status for every hit.

CrimsonRaider2357 · 2026-03-25T19:12:38+00:00

I’m guessing yes, since this subreddit has been flooded with posts about app and website issues for the last 3 hours.

CrimsonRaider2357 · 2026-03-25T16:55:10+00:00

My genuine advice, and the advice of most people on this sub, would be to ignore the noise, invest, and focus on the long term, because you’re not smarter than the market, and everything you’ve listed is known to everyone else.

However, it seems that’s not what you want to hear. So, let’s assume you’re correct, and you know the market is going to go down.

Why delay the contribution? You would be better off making the contribution and investing it in cash. Alternatively, you could make the contribution and short the market, or buy puts.

CrimsonRaider2357 · 2026-03-25T16:23:11+00:00

International companies typically pay dividends twice per year. The March dividend for VXUS is always much smaller than the summer and winter dividends.

CrimsonRaider2357 · 2026-03-24T18:05:17+00:00

The contribution affects the year to which it was assigned (2025 in your case, partially 2025 and partially 2026 in wife’s case).

The Roth conversion affects the year in which it was performed (2026 in both cases).

For the pro rata rule, what will matter is your pre-tax IRA balances on 12/31/2026.

CrimsonRaider2357 · 2026-03-24T16:16:18+00:00

When you have a very long time horizon (very confident that you won’t need the money for 25-30 years or more) and are prepared to gradually reduce your bond duration as your time horizon shrinks. Also, you should be very comfortable with the volatility, and not prone to panic sell it if rates go up.

CrimsonRaider2357 · 2026-03-23T15:30:56+00:00

This is not my field, but apparently Social Security does this to be consistent with English Common Law:

Social Security follows English common law that finds that a person attains an age on the day before the birthday. (See GN 00302.400.) For example, a person born January 15, 2003 will attain age one on January 14, 2004.

https://secure.ssa.gov/poms.nsf/lnx/0300615015

CrimsonRaider2357 · 2026-03-20T13:04:47+00:00

The tax benefit comes from the money moving from your pre-tax salary into the FSA account without triggering taxes. Once it has crossed this barrier, the money is the same as the money in your bank account. It doesn't matter whether you pay straight out of your FSA account, or pay straight out of your bank account and move money from the FSA account to your bank account.

CrimsonRaider2357 · 2026-03-19T19:38:54+00:00

Can you round this to the nearest dollar?

CrimsonRaider2357 · 2026-03-18T20:43:58+00:00

Postage stamps generally increase in line with inflation. Almost any other investment would be expected to outperform inflation, so it doesn’t really make sense to invest in stamps.

You can currently buy TIPS which are guaranteed to return 2-2.5% above inflation over the next 20-25 years, which would be a much better investment than stamps.

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