Search found 2854 matches

by neurosphere
Sat Jul 14, 2018 2:03 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

I expected the muni MM fund TEYs to go above Prime MM sometime in July, but it peaked before that happened, Come on Kevin, you know that market timing seldom works. Ha, yes, but when the technical analysis looks like the chart in this post (https://www.bogleheads.org/forum/viewtopic.php?f=1&t=24626...
by neurosphere
Thu Jul 12, 2018 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Institutional 457b versus Back-door Roth IRA
Replies: 3
Views: 300

Re: Institutional 457b versus Back-door Roth IRA

This is how I (also a physician) think about your situation. 1) Max out your 403b. $18,500. Even in texas. At most typical physician salaries, this is a beneficial first step with respect to retirement savings (and of course you want all of the match!). 2) Max out a backdoor Roth IRA for you (and yo...
by neurosphere
Thu Jul 12, 2018 6:20 pm
Forum: Personal Finance (Not Investing)
Topic: NEVER MIND I found explanation: "Family maximum" social security - what does it mean exactly?
Replies: 2
Views: 536

Re: NEVER MIND I found explanation: "Family maximum" social security - what does it mean exactly?

The social security calculators seem to give a "family maximum" that is less than the sum of our individual benefits would be. Am I understanding correctly that we would get a family maximum value rather than each of our full benefit amounts? Let me also perhaps simplify the issue for you. Let's as...
by neurosphere
Thu Jul 12, 2018 5:19 pm
Forum: Personal Finance (Not Investing)
Topic: NEVER MIND I found explanation: "Family maximum" social security - what does it mean exactly?
Replies: 2
Views: 536

Re: NEVER MIND I found explanation: "Family maximum" social security - what does it mean exactly?

Just a small clarification, prompted by a person who has "extreme" knowledge of social security (aka "sscritic"). For now, realize that the family maximum is the max that a family can claim against ONE record. If there are TWO earners, then there are two distinct family maximums. For example see thi...
by neurosphere
Mon Jul 09, 2018 3:17 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness-Has it worked for anyone?
Replies: 29
Views: 3567

Re: Public Service Loan Forgiveness-Has it worked for anyone?

I've noticed several people mention married but filing single while making payments pursuant to PSLF. Does MFS have any impact on the ultimate decision to accept or deny the applicant's request for loan forgiveness? Hi SiwelvlBogleHead (that's a mouthful)! Welcome to Bogleheads! The short answer is...
by neurosphere
Sun Jul 08, 2018 9:00 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

Note that there were almost four months between the peak in early January and the peak in late April, but only a little over two months between the peak in late April and the peak in early July. Also, the previous increase in the muni MM yields lasted from mid-Feb to late Apr, so about 2.5 months, ...
by neurosphere
Mon Jul 02, 2018 7:21 pm
Forum: Investing - Help with Personal Investments
Topic: Just joined the workforce with $400k in student debt: can you review my financial plan?
Replies: 14
Views: 2355

Re: Just joined the workforce with $400k in student debt: can you review my financial plan?

WCI, Thanks for your response - I'm looking at your book on my bookshelf right now. I'm being asked about my lack of a ROTH IRA a lot. Big question: is that not the same vehicle essentially as my employer's ROTH 403b? Should I open a ROTH IRA and fund that as well as the 403b? The question of PSLF ...
by neurosphere
Sun Jul 01, 2018 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Can an employee purchase a pre-tax transit pass for spouse?
Replies: 11
Views: 1141

Re: Can an employee purchase a pre-tax transit pass for spouse?

At least one government entity (DC) specifically puts the same restrictions on transit benefits put on other commuter benefits: "Expenses must be incurred when commuting between work and an employee's residence." (https://dcps.dc.gov/sites/default/files/dc/sites/dcps/publication/attachments/2018%20E...
by neurosphere
Sun Jul 01, 2018 9:42 am
Forum: Personal Finance (Not Investing)
Topic: Can an employee purchase a pre-tax transit pass for spouse?
Replies: 11
Views: 1141

Re: Can an employee purchase a pre-tax transit pass for spouse?

patrick wrote:
Sun Jul 01, 2018 12:59 am
Not an ironclad answer, but note that both the parking and commuter highway vehicle benefits have explicit restrictions on where they can be used, while similar restrictions are noticeably absent for the transit benefit.
True. I did notice that. Letter vs spirit of the law.
by neurosphere
Sun Jul 01, 2018 9:41 am
Forum: Personal Finance (Not Investing)
Topic: Can an employee purchase a pre-tax transit pass for spouse?
Replies: 11
Views: 1141

Re: Can an employee purchase a pre-tax transit pass for spouse?

This is akin to the question: Is it okay for me to "borrow" a highlighter from the office supply cabinet from my work for my son's school project? Except in this case HR is saying "go ahead", telling people their spouses and dependents can use transit passes. They are telling this in onboarding ses...
by neurosphere
Sat Jun 30, 2018 10:36 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5482

Re: Do Advisers Add $$$ Value?

I think the biggest value that an advisor gives to their clients is to keep them from selling stocks at the bottom of bear markets. If you are a member of bogleheads and believe in their philosophy, you don't need to pay someone thousands of dollars for this advise. I do think there is SOME validit...
by neurosphere
Sat Jun 30, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Can an employee purchase a pre-tax transit pass for spouse?
Replies: 11
Views: 1141

Re: Can an employee purchase a pre-tax transit pass for spouse?

mcraepat9 wrote:
Sat Jun 30, 2018 10:24 pm
Those are interesting links. Don't see any citation to actual federal law on this topic, though.
Agreed! That's what I'm struggling with! :)
by neurosphere
Sat Jun 30, 2018 10:24 pm
Forum: Investing - Theory, News & General
Topic: Do Advisers Add $$$ Value?
Replies: 71
Views: 5482

Re: Do Advisers Add $$$ Value?

Has anyone come across a study, research paper or quantifiable data that shows advised clients earn higher returns than DIY investors? If so, please post it here. Thank you. PS. Independent thoughts on this issue are also encouraged. Hi Rick! I don't have an answer for you, other than Vanguard cert...
by neurosphere
Sat Jun 30, 2018 10:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

What would you recommend for someone in the 24% federal, 0% state bracket? Prime vs. Muni I think I have a small amount of "cash" in Prime currently, the majority is in a savings account. I have no idea how to determine if more should be in the MM fund vs. savings account. During the past year, the...
by neurosphere
Sat Jun 30, 2018 9:51 pm
Forum: Personal Finance (Not Investing)
Topic: Can an employee purchase a pre-tax transit pass for spouse?
Replies: 11
Views: 1141

Re: Can an employee purchase a pre-tax transit pass for spouse?

I did find this https://www.nyu.edu/hr/benefits/email/_template/WageWorks_FAQs.pdf: I used to buy two MetroCards a month (one for me and one for my wife) and was reimbursed by my CERA account. Will WageWorks allow me to continue this option? While WageWorks does not limit the number of passes or vou...
by neurosphere
Sat Jun 30, 2018 9:19 pm
Forum: Personal Finance (Not Investing)
Topic: Can an employee purchase a pre-tax transit pass for spouse?
Replies: 11
Views: 1141

Re: Can an employee purchase a pre-tax transit pass for spouse?

isn't this question really about whether an employer can provide a qualified transportation fringe to individuals it pays that are technically not employees? See, e.g. Q-24. Relatedly, the situation where an employee agrees via salary reduction agreement to buy transportation passes up to the pre-t...
by neurosphere
Sat Jun 30, 2018 9:06 am
Forum: Personal Finance (Not Investing)
Topic: Can an employee purchase a pre-tax transit pass for spouse?
Replies: 11
Views: 1141

Can an employee purchase a pre-tax transit pass for spouse?

Summary of the post (tl;dr): I believe the answer is no. HR at my wife's employer and my employer both say yes. In fact, during orientation/onboarding HR specifically mentions that transit passes can be purchased for spouses and dependents. I have a co-worker that purchases three unlimited passes a ...
by neurosphere
Fri Jun 29, 2018 9:27 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

The rise in the SEC yield of VMSXX last year was from 6-14-17 through 7-06-17 so it will be interesting to see how things compare in 2018. However, note that the Federal Funds Rate was increased on both 6-14-17 and 6-13-18. In fact, many of the recent spikes in yield coincided with hikes by the Fed...
by neurosphere
Wed Jun 27, 2018 11:01 am
Forum: Personal Finance (Not Investing)
Topic: IRS publishes draft 2018 1040 - Huge changes made
Replies: 156
Views: 16500

Re: IRS publishes draft 2018 1040 - Huge changes made

The new 1040 has a line to enter a person's federal tax withholding, but no line to enter payments of estimated tax (which were at Line 65, separate from withholding, of the previous form). Since estimated tax payments are still required of many people, they'll have to be entered somewhere. Most li...
by neurosphere
Tue Jun 26, 2018 7:33 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 42
Views: 5548

Re: Downloadable Social Security Benefit Estimator (repost)

I am 66 this month, eligible for FRA. Does this calculator, or any you know of, allow me to compare these two alternatives: 1) receive my FRA starting now, while continuing to work and make the SS maximum until age 70, or 2) continuing to work and make the SS maximum, but not taking my benefit unti...
by neurosphere
Tue Jun 26, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9324

Re: "Open Social Security" calculator: feature requests, bug reports, etc

The calculator relies on the user to provide their PIA, so any NAWI indexing up to age 60 is essentially in the user's hands (i.e., must be done prior to using the calculator). Depending on what input they provide, yes, the PV output may be off-target (in today's dollars). Fortunately, any such off...
by neurosphere
Tue Jun 26, 2018 9:57 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9324

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Was there a projected COLA included? Perhaps this was already mentioned somewhere in this thread. No assumption is made as to inflation. Instead, all of the math is done in real (inflation-adjusted) terms. Of course (as I'm sometimes accused of harping on, lol) if SS projections are accurate such t...
by neurosphere
Tue Jun 26, 2018 7:05 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

For someone in 32% fed bracket, would sticking with muni mm through the yield fluctuations still be better than going with the stable prime mm? I hate having to monitor the yields and would rather just stick with one fund and forget about it. At 32% marginal rate, over the past 12 months it has ess...
by neurosphere
Mon Jun 25, 2018 8:10 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

There seems to be an inflection point, aka deceleration which has happened in the past few days. Yes, there has been. Yields for the national muni fund were increasing about 3 basis points per day starting 6/14, but slowed down to 1-2 bps/day starting 6/21. For the CA muni fund it went from about 3...
by neurosphere
Mon Jun 25, 2018 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

Continued steep increase in muni yields. National and NY muni MM fund shown in chart (because I'm in NY). :D These are tax equivalent yields of 12.6% state tax and 42% federal tax (which are not my personal tax, lol). There seems to be an inflection point, aka deceleration which has happened in the ...
by neurosphere
Mon Jun 25, 2018 9:21 am
Forum: Investing - Help with Personal Investments
Topic: Garrett Planning Network experiences
Replies: 14
Views: 1371

Re: Garrett Planning Network experiences

I googled them and their fees: https://www.garrettplanningnetwork.com/membership-and-prices Try to make sense of their schedule. I live in the Charlotte area and these guys are similar to FPL. Run Forest Run Just in case it's not clear, those fees are the fees an advisor pays to the Garrett network...
by neurosphere
Sun Jun 24, 2018 10:17 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9324

Re: "Open Social Security" calculator: feature requests, bug reports, etc

Not sure if this has been addressed already. [Edit, I think I'm wrong. It's just that the calculator is calling the first benefit for someone with an april 1st birthday as "starting" in april and calling it "age 62 and one month". Which is correct in SS terms, but confusing in real life terms. Other...
by neurosphere
Sun Jun 24, 2018 9:04 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit Question
Replies: 7
Views: 1117

Re: Social Security Spousal Benefit Question

I have a very specific hypothetical example.... [snip] Charlie has a Primary Insurance Amount (PIA) of $1,000 Jordan has a Primary Insurance Amount (PIA) of $100. Both of them have a Norma Retirement Age (NRA/FRA) of 67. Charlie is 8 years older than Jordan, so by the time Jordan reaches the minimu...
by neurosphere
Sat Jun 23, 2018 5:51 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit Question
Replies: 7
Views: 1117

Re: Social Security Spousal Benefit Question

See https://secure.ssa.gov/apps10/poms.nsf/lnx/0300615694 “RS 00615.694 DRCs in Dual-Entitlement Cases The link shows the calculation process, and uses terms I very much like. I have always been confused between the term "spouse's benefit" vs "benefit as a spouse" and the ambiguity with the "overal...
by neurosphere
Sat Jun 23, 2018 5:32 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Spousal Benefit Question
Replies: 7
Views: 1117

Re: Social Security Spousal Benefit Question

I am a student of SS filing and the amount of total benefit can't exceed the spousal benefit(if the spousal benefit is the highest of the two). The chance to claim the spousal benefit and then let yours grow was eliminated for anyone born after Jan 1954. My opinion is that in this case of yours, th...
by neurosphere
Thu Jun 21, 2018 9:16 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 96
Views: 9324

Re: "Open Social Security" calculator: feature requests, bug reports, etc

I think this is my problem. When prompted for PIAs, I entered the full retirement age #s from the SS benefit report. But these assume continued earnings at present level through full retirement age. I don't know how this tool is meant to work when early retirement is involved. Just to be super-prec...
by neurosphere
Thu Jun 21, 2018 12:44 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

This seems to kind of explain some of it, but some of the explanations do not match what we've seen over the last two cycles. Agreed. I wonder if there are two or more overlapping influences which affect the cycles, e.g. investor behavior, underlying economic conditions, one-time events such as new...
by neurosphere
Wed Jun 20, 2018 1:56 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

Here's a source which explains the seasonal variability in money market funds: https://www.gsam.com/content/dam/gsam/pdfs/us/en/fund-literature/investment-solution/ps-tax-free.pdf?sa=n&rd=n Second Quarter Tax-exempt funds can witness outflows as investors pay taxes. Outflows can last through late Ma...
by neurosphere
Wed Jun 20, 2018 1:03 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Help
Replies: 17
Views: 1357

Re: Student Loan Help

It seems all of the loans which are currently charging you any interest have the same interest rate. So I don't think it really matters. But what I would do is target the smaller loans first. Just to clean things up a bit and possibly make things ever so slightly easier in the future if your loan se...
by neurosphere
Tue Jun 19, 2018 11:08 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vanguard Municipal Money Market VMSXX 1.39%

Leif wrote:
Tue Jun 19, 2018 11:02 am
Looking at the Portfolio composition of Prime, VMMXX, the bulk of the holdings is in "Yankee/Foreign" (42.8%). Does anyone know what this is?
viewtopic.php?t=206799#p3180730
by neurosphere
Sat Jun 16, 2018 6:15 pm
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 8
Views: 1016

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

I need to figure out what % of income to set aside to max out my 401K. I am currently at 20%, and max out my 401K. If the limit goes up, then I have to leave my contribution alone. If the limit remains unchanged, I can lower my percent of salary contributed. Trying to plan ahead. Why do you have to...
by neurosphere
Sat Jun 16, 2018 9:56 am
Forum: Investing - Theory, News & General
Topic: Will rising inflation increase 401K and Roth contribution limits for 2019?
Replies: 8
Views: 1016

Re: Will rising inflation increase 401K and Roth contribution limits for 2019?

I need to figure out what % of income to set aside to max out my 401K. I am currently at 20%, and max out my 401K. If the limit goes up, then I have to leave my contribution alone. If the limit remains unchanged, I can lower my percent of salary contributed. Trying to plan ahead. :happy Why do you ...
by neurosphere
Fri Jun 15, 2018 1:38 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

This is an interesting phenomenon. I looked for papers discussing this but could only find this paper from 2000 that mostly touches on the end of the year "turn" effect: Seasonal Patterns in Money Market Mutual Funds Welcome to Bogleheads!! :D Good find, and thanks for sharing! I had previous seen ...
by neurosphere
Thu Jun 14, 2018 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

late 2017 through today swings are more dramatic Also, why did you choose this data set? Is it representative of the next 18 years? Look at Kevin M's post from May 19th in this thread. This quarterly (and monthly?) variability has been going on for a while, and is likely not related any particular ...
by neurosphere
Thu Jun 14, 2018 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Could it be that investors pile into muni mm when TEY is higher than prime mm (like me) and the demand drives the yield down? When investors (like me) realize that it is not the case and go back to prime mm, than the yield on muni mm go up and the cycle repeats? But then why would there be quarterl...
by neurosphere
Thu Jun 14, 2018 11:15 am
Forum: Personal Finance (Not Investing)
Topic: Experiences with 1099 INT reporting and/or manually adjusting state tax exempt US Agency bond interest?
Replies: 5
Views: 329

Re: Experiences with 1099 INT reporting and/or manually adjusting state tax exempt US Agency bond interest?

You can look up the info you are looking for here: https://personal.vanguard.com/us/insights/taxcenter/tax-information-vanguardfunds You can find a list of the percentage of government obligations for each fund. I'll bet that Vanguard's definition of "government obligations" matches the list of bond...
by neurosphere
Wed Jun 13, 2018 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

The TEY calculations assume no itemized deductions, or at least that state income tax is not deductible in calculating your marginal federal tax rate. Different states tax home-state muni interest differently, depending on how much is in the fund. It looks like you are assuming all of the national ...
by neurosphere
Wed Jun 13, 2018 3:24 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

The TEY calculations assume no itemized deductions, or at least that state income tax is not deductible in calculating your marginal federal tax rate. Different states tax home-state muni interest differently, depending on how much is in the fund. It looks like you are assuming all of the national ...
by neurosphere
Wed Jun 13, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Why is there so much fluctuation in muni money market yields? Is it just a quick of how Vanguard reports the yield, or should we actually be moving money back and forth to exploit this? I don't understand it either, and worse yet, no one else seems to either. I have spent close to 5 hours googling ...
by neurosphere
Tue Jun 12, 2018 11:03 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

The trend from the past 1-2 months continues: Prime MM up over 2% [edit: admiral shares], while the NY and CA MM fell below 1%. The national municipal money market is at 1.03% According to one reference, the highest state+local rates in CA are 13.3% and in NY 12.7%. The highest federal rates are 32/...
by neurosphere
Sun Jun 10, 2018 10:26 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2637

Re: Starting new Job in July please advise: how to be a better boglehead.

1. My understanding based on my income is that starting this year I will NOT be eligible for IBR. Trust me, I'd rather be on IBR but repeated talks with fedloan and PSLF folks have told me I can't do IBR and instead have to do R PAYE. If I could otherwise, I would. I've been asking around, and it s...
by neurosphere
Sun Jun 10, 2018 10:20 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2637

Re: Starting new Job in July. Please advise to be a better boglehead

What I mean is that his professional path and his life path may drastically change in the near future; sticking with a PSLF-qualifying employer for a decade may not work out. That's fair. However for now his path is PSLF eligible. The upsides of PSLF are massive and potentially lifesaving, the down...
by neurosphere
Wed Jun 06, 2018 6:14 am
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2637

Re: Starting new Job in July please advise: how to be a better boglehead.

1. My understanding based on my income is that starting this year I will NOT be eligible for IBR. Trust me, I'd rather be on IBR but repeated talks with fedloan and PSLF folks have told me I can't do IBR and instead have to do R PAYE. If I could otherwise, I would. 2. Next I am basically sayiing wh...
by neurosphere
Tue Jun 05, 2018 8:55 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 208
Views: 22990

Re: Vangaurd Municipal Money Market VMSXX 1.39%

Thanks, that's helpful. I think I will just stick to Prime MMF for a while. Too much hassle to track and move around money every month for a few dollars in interest. Prime definitely is better now. I'm sure it will be reported in this thread when the muni MM funds start looking more attractive agai...
by neurosphere
Mon Jun 04, 2018 9:29 pm
Forum: Investing - Help with Personal Investments
Topic: Starting new Job in July please advise: how to be a better boglehead.
Replies: 24
Views: 2637

Re: Starting new Job in July please advise: how to be a better boglehead.

I feel that I have a pretty good grasp. I guess it's not forgiveness. Rather its appealing a technicality. I ended up paying the right amount for the first 2 years but forgot to do the employment verification on time-i submitted it though. They did say theyd review and give it to me. Also I know th...