Search found 2955 matches

by neurosphere
Mon Dec 03, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Power of attorney for Mom?
Replies: 12
Views: 959

Re: Power of attorney for Mom?

You mom wants to give you authority, and you are paranoid that you might get blamed should something happen. At least with Vanguard, one solution is to get "limited agent authorization" where you can monitor and review her accounts, and also legally transact on those accounts. BUT, you can't cut you...
by neurosphere
Sun Dec 02, 2018 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 253
Views: 34995

Re: Vanguard Municipal Money Market VMSXX 1.39%

-- The swings in muni yields were greater during 2018 compared to about two years ago (which was my main point in the previous post where), HOWEVER those 2017 swings are still fairly large (larger than I remembered) and maybe even the same when described as a "percent of fluctuation" compared to th...
by neurosphere
Sun Dec 02, 2018 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 253
Views: 34995

Re: Vanguard Municipal Money Market VMSXX 1.39%

Observations? Yes, I have one. Rates have gone up. :mrgreen: Some others: -- Treasury yields are overall relatively higher now relatively to munis (even with the swings in muni bonds) over the past year compared to about two years ago -- The swings in muni yields were greater during 2018 compared t...
by neurosphere
Sun Dec 02, 2018 12:00 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 253
Views: 34995

Re: Vanguard Municipal Money Market VMSXX 1.39%

It's been a while since we've looked at a graph of various rates. It seems the wild swings of the muni funds are a thing of the past? The past few month's data is more what one would expect. Perhaps 2018 will be an anomaly in terms of the wild swings in muni rates (perhaps due to new tax law?) and w...
by neurosphere
Wed Nov 21, 2018 10:19 pm
Forum: Personal Finance (Not Investing)
Topic: Best Student Loan options (federal, private, ...)
Replies: 7
Views: 850

Re: Best Student Loan options (federal, private, ...)

Keep in mind that federal student loans are simple interest. Interest only accumulates on the principal during school. Then upon graduating, there are income-driven payment plans where your payments are a percentage of your income, in the first year or so, or if there is a fellowship, one's payments...
by neurosphere
Tue Nov 13, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

:). Very well done on creating this. And the only problem I saw with the v2 (?) draft has been fixed in the latest draft (I can't keep straight which draft is which). Yeah, me neither! :) The "latest" is suffixed with "v2 draft v2". It's the second revision of the draft revision of the original ver...
by neurosphere
Tue Nov 13, 2018 10:46 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

I’m 59 so a few years away from making decisions, but just want to give a big shout out to OP for providing this! Really generous of you. +1. Agreed completely. Thanks you! Neurosphere, would it be possible to modify the graph to show the "bend points" which the SSA talks about on their calculator?...
by neurosphere
Tue Nov 13, 2018 10:31 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Let me try linking the image a different way and see if that works: I've made the fix, here is the new link to this draft version: https://1drv.ms/x/s!Atj-cegEXidXx2pDBKnWaRLTXMe6 Let me know if it has fixed the problem for you. Many thanks for bringing it to our attention. I also updated the link ...
by neurosphere
Tue Nov 13, 2018 10:09 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Let me try linking the image a different way and see if that works: Basically for 2020-2032, I'm seeing a SSWB < 132,900. It starts at 94,200 and gradually rises to hit 132,900 in 2033. Also, somehow those years are indexed to numbers > SSWB for 2020-2030. I haven't changed the Inflation estimates....
by neurosphere
Tue Nov 13, 2018 9:51 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

The $132900 caught me off guard as well. I read and realize how it’s calc’d. I’m curious what people are actually assuming for their calculations? While that is the SSA method, it sure doesn’t seem practical. When you say "not practical" I assume you are referring to the SS default assumptions for ...
by neurosphere
Tue Nov 13, 2018 1:42 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Just started playing with some future year assumptions this afternoon and noticed that you have the SSWB set quite low for the next 13 years. Can you explain why that is? The indexing also looks a bit off to me as well. I can't see your image. Can you give me an example of the problems you are seei...
by neurosphere
Sat Nov 10, 2018 2:00 pm
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 901

Re: HIPAA Information available to out of town ER or not?

I am a surgical subspecialist who also gets many "consults" for patients I have never met. I get a text or email of an xray at least once a week asking for my opinion. I stopped offering opinions on these cases after attending a malpractice lecture which addressed this phenomenon known as a "curbsi...
by neurosphere
Sat Nov 10, 2018 12:04 pm
Forum: Personal Consumer Issues
Topic: HIPAA Information available to out of town ER or not?
Replies: 19
Views: 901

Re: HIPAA Information available to out of town ER or not?

[Edit, toofache provided a similar link/answer above] Physician here. I had a long answer typed (below) but figured I'd go to the source. This answer is easy: https://www.hhs.gov/hipaa/for-professionals/faq/481/does-hipaa-permit-doctors-to-share-patient-information-for-treatment-without-authorizatio...
by neurosphere
Fri Nov 09, 2018 3:34 pm
Forum: Personal Finance (Not Investing)
Topic: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?
Replies: 10
Views: 891

Re: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?

I participated in a plan in which unvested money could vest if I returned to the employer within a certain number of years. So there might be a good reason the money is still sitting there, and not at zero. Here's something I've wondered about. If you're in this situation, and have a brokerage wind...
by neurosphere
Thu Nov 08, 2018 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Sorry if it is an obvious answer or already provided that I have missed, but I downloaded and saved to my PC and the file is password protected when I try to make changes to the Inflation Adjustments tab. You didn't miss anything. You can change the peach colored boxes, which will change the assump...
by neurosphere
Thu Nov 08, 2018 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 261
Views: 24681

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

Also many sources seem to quote that you have to have given max amount to SS for 35 years to get max PIA, but truth is you still may not get the max PIA even if you gave the max for 35 years, it is a more complex equation than that, apparently it depends on exactly which 35 years you paid the max. ...
by neurosphere
Thu Nov 08, 2018 2:17 pm
Forum: Personal Finance (Not Investing)
Topic: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?
Replies: 10
Views: 891

Re: Statue of limitations on taking back unvested $ in 401K? What if value of match is now lower than original deposits?

I participated in a plan in which unvested money could vest if I returned to the employer within a certain number of years. So there might be a good reason the money is still sitting there, and not at zero.
by neurosphere
Thu Nov 08, 2018 12:33 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

I compared the results from this spreadsheet to my output from the prior version and it appears correct (which is to say that it matches the official website). The contribution section is interesting. Does the OASI portion only include employee contributions or does is also include the portion cont...
by neurosphere
Thu Nov 08, 2018 11:06 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

I've created an update, which I'm calling version 2 ("v2") DRAFT (because I've not kicked all the tires yet to make sure I didn't break something. [edit on Nov 13, the link below contains some fixes after an error discovered as discussed below] https://1drv.ms/x/s!Atj-cegEXidXx2pDBKnWaRLTXMe6 Change...
by neurosphere
Thu Nov 08, 2018 10:54 am
Forum: Personal Finance (Not Investing)
Topic: "Open Social Security" calculator: feature requests, bug reports, etc
Replies: 261
Views: 24681

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

What's confusing is when Social Security quotes the PIA for a person (eg; per the"annual" statement), often times they do not say: (1) what cost-of-livng updates were included, and (2) they do not say what the max PIA is in theory, so it's hard to interpret the numbers without re-doing all the calc...
by neurosphere
Sun Nov 04, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: I’m still not a fan of international bond funds
Replies: 226
Views: 25169

Re: I’m still not a fan of international bond funds

Rick has a portfolio for everyone, even those who like international bonds! Here's his "Global Markets" portfolio: Total US Stock Market Total International Stock US Investment-grade Bonds International (hedged) Bonds Personally, I'm agnostic to international bonds. I think people don't need them, b...
by neurosphere
Sun Nov 04, 2018 10:07 am
Forum: Investing - Help with Personal Investments
Topic: Roth IRA as tax bracket buffer
Replies: 12
Views: 1307

Re: Roth IRA as tax bracket buffer

Is anyone using or planning to use their Roth IRA to keep yourself in a lower tax bracket in retirement? I know it's impossible to know what those brackets will be, but the current ones are due to expire in 9 years and I suspect they are unsustainable. Of course, as dwickenh points out. Some use th...
by neurosphere
Wed Oct 31, 2018 12:03 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Re: Downloadable Social Security Benefit Estimator (2019 Update)

Below is an example of the main output, which is a graph which displays your annual SS benefit as a function of retirement age and claiming date for a given set of earnings you've entered (actual or theoretical). The top (grey) line is the benefit if you wait to age 70, while the bottom (light blue)...
by neurosphere
Wed Oct 31, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

neurosphere wrote:
Wed Oct 31, 2018 11:37 am
New calculator available here: https://1drv.ms/x/s!Atj-cegEXidXx07Xr-4ypoXhDx8S

I think I'll create a new thread soon to announce it.
New thread is here: viewtopic.php?f=2&t=262772
by neurosphere
Wed Oct 31, 2018 11:48 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (2019 Update)
Replies: 19
Views: 1708

Downloadable Social Security Benefit Estimator (2019 Update)

Hi all, I've updated the SS Benefit Spreadsheet. [Edit: There is a draft of version 2, see later in this thread] The current 2019 version is Version 1, and is available for download here: https://1drv.ms/x/s!Atj-cegEXidXx07Xr-4ypoXhDx8S It takes into account the recently released Sept 2018 CPI numbe...
by neurosphere
Wed Oct 31, 2018 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

New calculator available here: https://1drv.ms/x/s!Atj-cegEXidXx07Xr-4ypoXhDx8S

I think I'll create a new thread soon to announce it.
by neurosphere
Wed Oct 31, 2018 10:41 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

As an Apple guy who can't use anypia, this spreadsheet is a great tool and has proven very useful to me. I'm in a situation where I could pay myself a salary from a company I own and it was interesting to see how little my benefit would increase by doing so now that my AIME is already pretty high. ...
by neurosphere
Tue Oct 30, 2018 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: Is it okay to use backdoor Roth if ultimately below income limits?
Replies: 20
Views: 1141

Re: Is it okay to use backdoor ROTH if ultimately below income limits?

Although unnecessary if one is under the income limits, it's legal. And it's a good strategy for one who wishes to make a Roth contribution now, but who may not find out until too late if one is over the income limits. All the normal warnings and disclaimers apply (e.g. proper reporting, form 8606, ...
by neurosphere
Tue Oct 23, 2018 2:50 am
Forum: Investing - Theory, News & General
Topic: Pre-refunded municipal bonds
Replies: 2
Views: 392

Re: Pre-refunded municipal bonds

I see very few mentions and recommendations of pre-refunded muni bonds despite their attractive attributes (tax exempt and just as safe as US Treasuries). Why is that? Do people just “forget” about them or is there a good reason to avoid them? I had to google pre-refunded bonds. Are you suggesting ...
by neurosphere
Sun Oct 21, 2018 2:05 pm
Forum: Personal Finance (Not Investing)
Topic: Roth contribution limits for married filing separately
Replies: 16
Views: 1012

Re: Roth contribution limits for married filing separately

Consider researching if 1) a backdoor Roth is appropriate for you and 2) whether you can take advantage of a backdoor Roth if you file separately (since a regular Roth contribution is not allowed).

Although, that wasn't the nature of your question, and perhaps you already know the answer. :D
by neurosphere
Fri Oct 19, 2018 11:47 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Payroll Tax Cap
Replies: 6
Views: 563

Re: Social Security Payroll Tax Cap

Interesting detail to add... If one works for two W-2 jobs, and in total earns above the cap, he/she will get back the extra SS tax paid, but the employER does not. Meaning, each employer paid some share of SS tax which the employEE did not end up owing. I don't believe there is any mechanism for em...
by neurosphere
Fri Oct 19, 2018 10:22 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

Can one not start SS at exactly age 62? You have to be age 62 throughout the entire month. And according to Social Security rules, you reach a given age on the day before your birthday. So if your DoB is on the 1st or 2nd of the month, you can file in the month of your 62nd birthday. Otherwise you ...
by neurosphere
Fri Oct 19, 2018 2:27 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

When I compare this spreadsheet to the Anypia, the two agree for age 67 and age 70. But not early age 62+1 month. The 'SocialSecurity' tab of the personal finance toolbox spreadsheet matches* neurosphere's numbers when using 62 exactly. It matches anypia* when using 62+1 month. *Within $1. Thanks F...
by neurosphere
Sun Oct 14, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, With the new 2.8% COLA out, how do we adjust your estimator? Until I update it (hopefully before January 2019, but depends on my schedule), simply add 2.8% to the benefit. The benefit as it currently is, is in terms of September 2017 dollars. Add 2.8%, and it will roughly be in terms o...
by neurosphere
Mon Oct 08, 2018 5:15 pm
Forum: Investing - Theory, News & General
Topic: 2018 Bogleheads Conference Notes
Replies: 36
Views: 5404

Re: 2018 Bogleheads Conference Notes

Here is the current link to my photos.... PS. For those of you who are curious about my photographic process, here goes!... I think there is something wrong with your "process". Everyone at the meeting looked 10 years younger and way more attractive than in your photos! :D :D But seriously, thanks ...
by neurosphere
Mon Oct 08, 2018 5:06 pm
Forum: Personal Finance (Not Investing)
Topic: Public Service Loan Forgiveness PSLF not so good
Replies: 1
Views: 424

Re: Public Service Loan Forgiveness PSLF not so good

PSLF predictably approves less than 1%... https://www.forbes.com/sites/camilomaldonado/2018/10/05/pslf-approval-less-common-than-rhodes-scholarship/amp/ On the contrary, the NIH Loan Repayment Program LRP worked for me and funds better than 1% but requires real time and committment to research I th...
by neurosphere
Sun Oct 07, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Converting a slice and dice portfolio to a three fund portfolio
Replies: 13
Views: 999

Re: Converting a slice and dice portfolio to a three fund portfolio

Does it matter when I do the conversion (high market, low market, lower interest rates, etc or in other words timing)? No. Just do the exchange and be done with it. I agree with this. In absence of specific details which would let us know what kinds of taxes you would pay to switch, I would say jus...
by neurosphere
Mon Oct 01, 2018 6:26 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 253
Views: 34995

Re: Vanguard Municipal Money Market VMSXX 1.39%

Bimmer wrote:
Sun Sep 30, 2018 11:02 pm
Can anyone post updated charts/data?
Sure. See the post just preceding yours. :wink:
by neurosphere
Sat Sep 29, 2018 9:53 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

Thanks a lot for your prompt reply. No problems with interpretation of the graphs. Thanks a lot for the excellent work. You're welcome! I'm also an MD/PHD, whose PHD took longer than average and I had to go back to undergrad for an additional 2 years because I wasn't pre-med in college. Then 6 year...
by neurosphere
Sat Sep 29, 2018 8:48 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, My question pertains to professionals (physicians etc) who due to their long training frequently do not work for 35 years. Assuming that from day 1 to the last working day the annual salary of a professional is more than the social security wage base what is the minimum number of years...
by neurosphere
Sat Sep 29, 2018 8:26 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

Neurosphere, My question pertains to professionals (physicians etc) who due to their long training frequently do not work for 35 years. Give me a sample birthdate, yours, or a made up one. And I'll create an illustration. This is exactly the kind of question my spreadsheet easily answers, in graphi...
by neurosphere
Sat Sep 29, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

The interesting thing is if I leave things at "0" in both your calculator and Anypia, the results are identical for retiring at age 67. But your results are lower for age 62 and higher for 70. Yet Anypia produces the same results for ages 62, 67, 70, unless I'm doing something wrong in entry. For i...
by neurosphere
Sat Sep 29, 2018 2:34 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Municipal Money Market VMSXX 1.39%
Replies: 253
Views: 34995

Re: Vanguard Municipal Money Market VMSXX 1.39%

There may be some correlation between this data and the yield spikes that we have been seeing. I always find it interesting to look at cash flow into and out of funds. For these MM funds, if I had more time/interest I would plot cash flow vs yield and see if there was an interesting pattern. Anyway...
by neurosphere
Sat Sep 29, 2018 12:37 pm
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

Is what you discuss entirely separate from the common assumption that one should multiply benefits by 77% in 2034 if one assumes there won't be a legislative solution? Or would I need to further reduce your spreadsheet's results by 23% for that assumption? The outputs of anypia and my calculator is...
by neurosphere
Sat Sep 29, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 6082

Re: SS 2019 COLA could be close to 3%

I'm too lazy to figure out what that is in 2018 dollars. I came up with the answer of 46315*(42097/26086) = 46315*1.6 = $74,742 The multiplier 1.6 was taken from the ratio of constant 2001 dollars for year 2067 and year 2018 I do not know how to interpret that number at all. What does it mean? I do...
by neurosphere
Sat Sep 29, 2018 10:52 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

"Wrong" is subjective here, but if you want an estimate in current dollars the "No increase" option is correct. From the anypia documentation: [No increase] is the recommended assumption for projecting future benefits. You can compare a benefit estimate with no future inflation to your current inco...
by neurosphere
Sat Sep 29, 2018 10:43 am
Forum: Personal Finance (Not Investing)
Topic: Downloadable Social Security Benefit Estimator (repost)
Replies: 86
Views: 11340

Re: Downloadable Social Security Benefit Estimator (repost)

I'm getting vastly different results from neurosphere's spreadsheet than ANYPIA. My calculator is defaulted to "zero" for both future CPI increase and future wage growth. These are the defaults used in all the SS calculators online and the mailed benefit statements/estimates. But anypia allows you ...
by neurosphere
Fri Sep 28, 2018 5:31 pm
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 6082

Re: SS 2019 COLA could be close to 3%

And where is sscritic when we need him? Ask and ye shall receive. Although, I kinda sort answered the question, but sscritic did the work to find the horse's mouth, so to speak: [Some people] doesn’t understand the difference between the words accrue and pay. (c) When is the increase because of del...
by neurosphere
Fri Sep 28, 2018 10:56 am
Forum: Personal Finance (Not Investing)
Topic: SS 2019 COLA could be close to 3%
Replies: 55
Views: 6082

Re: SS 2019 COLA could be close to 3%

Ok, so has the correct interpretation on when DRCs get applied to your benefit check: vtMaps or Beehave? And where is sscritic when we need him? Have not read most of the thread. But... vtMaps has the most complete/accurate answer. Delayed credits earned in the current year are not applied until Ja...
by neurosphere
Tue Sep 18, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Student Loan Debt Repayment
Replies: 36
Views: 1992

Re: Student Loan Debt Repayment

Why refi and pay more interest than principal at this point? I’d also lose some federal protections if I ever needed them due to job loss. Maybe I'm misunderstanding. But if you refinanced to lower rates, and put the same money towards your loans that you were planning to anyway, a lower rate would...