u/rs1971

Hi,

I am a bit confused by how to handle wash sales with respect to the sales of my RSUs. I typically get three or four blocks of RSUs per year and usually sell them within a few days of them becoming available. This almost always results in some wash sales. (aside: for the last couple of years, the RSUs have come in a number of smaller transactions, so that the three or blocks actually generate thirtiesh transactions on my 1099B) The 1099B proper lists the basis for the RSU as 0, there is a supplement that includes the adjusted cost basis based on the reported income.

This supplement includes the following columng: 'Proceeds', 'Ordinary Income Reported' 'Adjusted Cost or Other Basis', 'Wash Sale Loss Disallowed', and 'Adjusted Gain/Loss'. A number of the transactions include values in the 'Wash Sale' column. Here is what the first three rows look like:

Proceeds Ordinary Income Adjusted Cost Basis Wash Sale Loss Adjusted Gain / Loss

516.34 533.12 533.12 16.78 -16.78

516.24 533.12 549.90 0.00 -33.66

7614.54 7863.52 7863.52 0.00 -248.98

So, the 'Adjusted Cost Basis' in the second row is bumped up by 16.78 (from the Ordinary Income) to account for the wash sale. The transactions generally follow this pattern. The 'Adjusted Cost Basis' is the same as the 'Ordinary Income Reported' except when there is a wash sale to offset. This all makes sense to me. What I don't understand is why the total wash sale loss is then deducted from my capital losses. Isn't it already accounted for in the 'Adjusted Cost Bases'? The software asks me if I have wash sales and I answer 'yes'. Then is asks me for the amount and I enter the total (which is calculated in the supplement). Should I be answering zero here? If I enter the total (say, $300), it feels like I'm being penalized for the wash sales twice. Can anyone set me straight here?

Thanks!

Hi,

I'm in the market for a 2026 pick-up and my only must have feature is a 6' bed. I'd rather not have to get a full sized pick-up and as far as I've discovered, the only mid sized options are the Toyota Tacoma and the Nissan Frontier. Four wheel drive would be a plus and as I almost never carry passengers, I'd rather have a king cab. Basically, I'm looking for this: King cab, 4x4, 6' bed. Some of the descriptions I've found online suggest that that combination shouldbepossible, but when I try to build it at the Nissan site, it seems not to be. If I choose the S trim, I can get 4x4 and King cab, but not the long bed and king cab doesn't seem to be available for any other trim. Am I missing anything? What's the point of the smaller cab, if they're not going to offer it with the longer bed?

Thanks!