Search found 6 matches

by jym
Mon Jul 16, 2018 5:29 pm
Forum: Personal Finance (Not Investing)
Topic: $540 a month on food for graduate student budget too much?
Replies: 81
Views: 6719

Re: $540 a month on food for graduate student budget too much?

I don't find your spending out of line, but you could eat better for the same money. Finding an easy breakfast you actually *like* and a healthy sack lunch you actually *like* could do wonders. The advice to leap directly from your current habits to cooking for every meal strikes me as unrealistic. ...
by jym
Wed Jun 20, 2018 6:03 pm
Forum: Personal Finance (Not Investing)
Topic: Paper tax return filed at deadline - still no refund 7 weeks later
Replies: 27
Views: 2428

Re: Paper tax return filed at deadline - still no refund 7 weeks later

I too filed a paper return shortly before the April deadline, and I didn't hear anything back for a while. Last week I got a "surprise" check from the IRS, and a few days later a CP24 notice explaining that the IRS had adjusted my return. Even for us paper filers, the IRS website tax transcript serv...
by jym
Sun Jun 03, 2018 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Any aerospace engineers? Pros v. cons of working for NASA v. private sector
Replies: 50
Views: 4936

Re: Any aerospace engineers? Pros v. cons of working for NASA v. private sector

Good discussion here. I wanted to make sure this was in black and white: Any gifted PhD student in engineering in the US should have their tuition covered by their department and should also be receiving a stipend to cover cost of living (perhaps $30k/year, highly variable). If this is not the case,...
by jym
Mon May 14, 2018 5:30 pm
Forum: Personal Finance (Not Investing)
Topic: Bicycle insurance? when you're in the roadway like a car
Replies: 38
Views: 3542

Re: Bicycle insurance? when you're in the roadway like a car

The details may vary state to state and from policy to policy, and can probably be best answered by asking your insurance provider point-blank. I was a cyclist injured by an automobile. The other driver's liability insurance paid me, and my car insurance policy paid out both medical and underinsured...
by jym
Thu May 10, 2018 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis method locked in on transfer?
Replies: 2
Views: 246

Re: Cost basis method locked in on transfer?

Thanks Duckie, Celia's difficulty sounds typical of noncovered shares (acquired before 2011/2012) where Vanguard will not assist with specific id records and in fact reports no cost basis to the IRS. My difficulty is with covered shares, where I would think that the eventual 1099-B sent to the IRS i...
by jym
Thu May 10, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: Cost basis method locked in on transfer?
Replies: 2
Views: 246

Cost basis method locked in on transfer?

I have a joint account with my wife holding VTSAX (Total Stock Market) with Vanguard. The account was created two years ago by transferring from an individual account, also with Vanguard. I have never sold any shares, and I never intentionally made a cost basis method election. Perhaps wrongly, I ha...