A similar check for Fidelity core/settlement m-mkt fund SPAXX with FYs 5/1-4/30,
2018 0.42%
2019 0.42%
2020 0.42%
2021 0.15%
2022 0.10%
Now 0.42%

https://www.sec.gov/Archives/edgar/data/313212/000174177323000146/c497.htm
497 1 c497.htm EEM STAT AND SUM STICKER 2.2.23
T. Rowe Price Emerging Europe Fund
Supplement to Prospectus and Summary Prospectus dated March 1, 2022, as supplemented
Effective Friday, February 17, 2023, the T. Rowe Price Emerging Europe Fund will close to all purchases. Accordingly, the summary prospectus and prospectus are updated as follows:
In the summary prospectus and section 1 of the prospectus, the disclosure under “Purchase and Sale of Fund Shares” is supplemented as follows:
Effective at the close of the New York Stock Exchange on Friday, February 17, 2023, the fund will close to all purchases from new and existing shareholders.
Section 2 of the prospectus is supplemented as follows:
CLOSED TO NEW PURCHASES
Currently, the fund is generally closed to new investors and new accounts, subject to certain exceptions. Effective at the close of the New York Stock Exchange on Friday, February 17, 2023, the fund will close to all purchases from new and existing shareholders. After February 17, 2023, even investors who already hold shares of the fund either directly with T. Rowe Price or through a retirement plan or financial intermediary may no longer purchase additional shares.
Shareholders with existing accounts may reinvest dividends and capital gains so long as they own shares of the fund in their account. In addition, the fund reserves the right, when in the judgment of T. Rowe Price it is not adverse to the fund’s interests, to permit certain types of purchases. The fund’s closure to additional purchases does not restrict existing shareholders from redeeming shares of the fund.
The date of this supplement is February 2, 2023.
F131-043 2/2/23

I checked the prospectus (download) for 5-yr history of operating expenses. For VMFXX, for FYs (9/1-8/31),
2018 0.11%
2019 0.11%
2020 0.11%
2021 0.09%
2022 0.09%
Now 0.11% (see the screen shot from today)
So, the waiver was 2 bps that doesn't seem large but can be substantial on $220+ billions ($40+ million). For VG investors, this isn't a big deal. But it may be a bigger issue for other m-mkt funds that have typical ERs of 0.35-0.50%. Those m-mkt funds were being operated at substantial losses during the ZIRP, and many were shut or merged.
https://i.ibb.co/wSm6hrD/Screenshot-2023-02-02-18-11-45.png

I would say it is with fee waiver. If you subscribe to Apple News ($10/month), you get SOME articles which are behind the paywall including Barron’s, WSJ, and Washington Post.

But now that the Federal Reserve has hiked interest rates repeatedly, taking the federal-funds rate to 4.5% on Wednesday, Vanguard money funds have sufficiently plump yields to absorb the costs and still deliver a meaningful return to investors. For example, the Vanguard Federal Money Market Fund yields 4.3%, and the Municipal Money Market yields 1.6% tax-free.  
Vanguard hasn’t announced it was reducing the fee waivers, which arguably reflect a return to a more normal state of affairs now that rates are no longer near zero. Instead, one can see the shift in the funds’ annual reports. 

AAPL - A tech giant. Favorite target of many short sellers. WB holds a bunch.
STORY (Apple)
Some additional after market news: (Excerpted & edited for brevity)
”Amazon (AMZN) -The online giant's net sales $149.20 billion for the fourth quarter came in above analyst expectations of $145.8 billion. Its adjusted earnings of 3 cents per share came in below estimates of 17 cents. Amazon's AWS cloud unit net sales came in at $21.38 billion, a growth of more than 20% compared to the same period in 2022. Operating income came in at $2.74 billion, beating analyst expectations of $2.51 billion.
“Alphabet (GOOGL, GOOG) - Shares of Google parent Alphabet are trading 6% lower in after hours. The tech giant reported fourth quarter sales, excluding partner payouts, of $63.1 billion versus analyst expectations of $63.2 billion. Advertising revenue fell by 4% while YouTube revenue dropped 8%, reflecting a challenging ad environment amid a slowing economy.
“Apple (AAPL) - Shares fell about 4% in after hours after the tech giant's quarterly revenue of $117.15 billion declined by 5% year-over-year, missing analyst expectations of $121.14. iPhone sales dropped 8% year-over-year to $65.8 billion, missing estimates of $68.3 billion. The company's earnings per share of $1.88 vs also came in below expectations of $2.10.”
Source: Excerpted from Yahoo Finance
In late night trading, NASDAQ futures were down more than 200 points or about -1.6%. S&P futures showing smaller losses. (For context, the NASDAQ gained 384 points on Thursday.)

Vanguard is beginning to remove fee-waivers/ER-caps for m-mkt funds that had been in place during the ZIRP. Investors may notice the changes as most are watching rates very closely. Affected are "...Vanguard Municipal Money Market (ticker: VMSXX), Vanguard Federal Money Market Fund (VMFXX), and Vanguard Cash Reserves Federal Money Market (VMRXX)....Vanguard hasn’t announced it was reducing the fee waivers, which arguably reflect a return to a more normal state of affairs now that rates are no longer near zero....".
Other m-mkt funds are expected to do the same.
By @LewisBraham
https://www.barrons.com/articles/vanguard-money-market-fund-fee-waivers-51675291662?mod=bol-social-tw

I hit a paywall with the Barrons article. As of yesterday, the 7 day SEC yield for VMRXX was 4.31%. Is that with or without the fee waiver?

+1 hank Both XLP and RHS have lost money so far in 2023.

I believe, @Observant1, that I bought the Investor shares of the same fund that you mention.

SP500 with AAII Bull-Bear Ratio (add today's reading 0.86; more common is Bull-Bear Spread) from Twitter LINK.

Yes sirs
After 12 months downtrends

”Don’t think I am going out on a limb here by saying … the bulls will finally be in charge … If there is a worry, it is what wall of worry is left to climb as price action recently has usurped any and all of the walls.”

Thanks @Junkster. Wasn’t sure whether to link Streisand’s version of “Happy Days Are Here Again” or Thurber’s poignant short story ending, “Don’t count your boobies until they’re hatched.”
Bottle of bubbly will suffice I hope.
My substantive takes: (1) Defensive consumer staples are getting hit hard today - and rarely are things all black or all white. (2) The Dollar has strengthened considerably today - pushing down gold, silver & the miners along with most non-dollar denominated assets. (3) One thing totally missed by the talking heads (on Bloomberg anyway) is that there’s been the ”appearance” of progress on the debt funding issue after Biden & McCarthy met yesterday.

Vanguard is beginning to remove fee-waivers/ER-caps for m-mkt funds that had been in place during the ZIRP. Investors may notice the changes as most are watching rates very closely. Affected are "...Vanguard Municipal Money Market (ticker: VMSXX), Vanguard Federal Money Market Fund (VMFXX), and Vanguard Cash Reserves Federal Money Market (VMRXX)....Vanguard hasn’t announced it was reducing the fee waivers, which arguably reflect a return to a more normal state of affairs now that rates are no longer near zero....".
Other m-mkt funds are expected to do the same.
By @LewisBraham
https://www.barrons.com/articles/vanguard-money-market-fund-fee-waivers-51675291662?mod=bol-social-tw

For the week ending on 2/1/23, neutral became the top sentiment (35.5%; above average) & bullish remained the bottom sentiment (29.9%; below average); bearish became the middle sentiment (34.6%; above average); Bull-Bear Spread was -4.7% (below average). Investor concerns: Inflation (moderating but high); economy; the Fed (+25 bps hike yesterday; a couple more?); dollar; crypto ice-age; market volatility (VIX, VXN, MOVE); Russia-Ukraine war (49+ weeks); geopolitical. For the Survey week (Th-Wed), stocks were up sharply, bonds up, oil down, gold flat, dollar down. Markets have perked up & this rally since Oct lows has legs. #AAII #Sentiment #Markets
https://ybbpersonalfinance.proboards.com/thread/141/aaii-sentiment-survey-weekly?page=8&scrollTo=919

Thanks @msf. I recently viewed a 5498 (Fido), received by a friend, who will be 72 in 2023. The RMD box, for 2023, was not checked. I looked at the reverse of the form, too. Line 11 instructions indicates the 50% tax penalty if the RMD is not taken. This is correct per old law for someone already taking RMD, but is a bit confusing; versus the Act 2.0 penalty reduced to a 25% tax penalty.
But, this is a 2022 5498 form, so.....
Apparently, not all organizations are up to speed on Act 2.0 yet.

I was looking at the 5498 that someone over age 73 received from Fidelity. It mistakenly read:

Our records indicate that you will be 72 or older in 2023. Once you reach age 72, the Internal Revenue Service (IRS) requires that you take a required minimum distribution (RMD) each year from your IRA(s). The deadline for taking RMDs is December 31 each year. If this is your first RMD, you have until April 1, 2024 (the year after you turn 72) to take your first withdrawal

There's a checkbox on the form that says an RMD is required for 2023. It was correctly checked.
The concern I expressed to Fidelity was that, aside from the boilerplate being wrong, that the checkbox might be mistakenly checked for customers turning 72 (not 73) this year. It's a computer-generated form, so it is possible that if the software team missed changing the text that they also missed changing the checkbox logic.
Fidelity's response was minimal and not especially satisfying: We are aware of the problem and are working on it.
There is a lot of misinformation out there. Just not necessarily the information one may think. And therein lies the problem - lots of confusion.

I got data from 2021 from Fido. about 50% of the SPAXX yield was state tax free. I don't know what % then was in Repos, but I bet that it was 50% and Repos are not state tax free

https://www.fidelity.com/tax-information/prior-year-tax-exempt-income-information
https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/taxes/2021-gse-letter.pdf
Aside from repos, other holdings that one finds in government MMFs that are not state tax-exempt include debt of some agencies: FHLMC, FNMA, GNMA.
https://www.rbcwm-usa.com/resources/file-687493.pdf
Also, the percentage of income derived from an asset class ≠ the asset class' percentage of portfolio
This is because different securities have different yields.
Three states, California, New York, and Connecticut require the percentage of state tax-exempt assets (not income) in each quarter to be at least 50%, or none of the income is exempt.
https://personal.vanguard.com/pdf/USGOIN_01_2022.pdf (see footnote ** on p. 2)
The difference between percentage of income and percentage of assets may explain why in 2020, 57% of the income from FDRXX was state tax-exempt, but still the fund failed to meet the 50% asset threshold.
https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/taxes/2020-gse-letter-sai-funds.pdf
Regarding FCASH, this is covered by SIPC insurance, so long as the cash is temporary - there awaiting investment (cf. Robinhood). The MMFs are securities, not cash.
A side note on cash-ish yield: FWIW, we're a month into 2023 and RPHIX is still chugging along ahead of Treasuries and MMFs. Its January total return is 0.47%, or 5.79% annualized.
https://mutualfundobserver.com/discuss/discussion/60495/riverpark-short-term-high-yield-divs-and-availability#latest

Thank you @yogibearbull
So, if one perhaps is doing the Treasury (bill, note) thing or CD's at the brokerages; an assumption would be decent yields if 1 year of less, yes? On the other hand, with the longer duration; one should be having benefit of profit from pricing. At least that is the case for today after 2:30pm.
We'll discover soon enough how long is the 'happy hour' period.

ALL Treasury yields FELL today & Powell raised fed funds rate. Go figure.
Date 1 Mo, 2 Mo, 3 Mo, 4 Mo, 6 Mo, 1 Yr, 2 Yr, 3 Yr, 5 Yr, 7 Yr, 10 Yr, 20 Yr, 30 Yr
01/31/2023 4.58, 4.64, 4.70, 4.74, 4.80, 4.68, 4.21, 3.90, 3.63, 3.59, 3.52, 3.78, 3.65
02/01/2023 4.59, 4.63, 4.66, 4.77, 4.79, 4.66, 4.09, 3.75, 3.48, 3.43, 3.39, 3.67, 3.55
https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value=2023

Last time I was there they were advertising 20-50% off but most of what was left was only 20% off so no better than a BBB coupon (and I was getting emails offering 25% off entire purchases at all their stores not just the one closing).
As with JCP, buyers have gotten used to the idea that at BBB everything comes with a coupon.

In 2012, Ron Johnson, ... the new JCPenney CEO, unveiled a sweeping overhaul of the chain. Central to the strategy was a plan to end coupons and discounts and replace them with low “everyday” prices. ...
The plan backfired.
Sales tanked nearly 25% in a year and the company’s stock plunged. Johnson lost his job after just 17 months and Penney quickly brought back coupons. “We did not realize how deep some of the customers were into [coupons],” an executive said at the time.

https://www.cnn.com/2022/03/05/business/coupons-history-jcpenney-macys-procter-and-gamble/index.html
We would go the extra step. We used Discover Card rebates to purchase BBB gift cards at a 20% discount. So the 20% off coupon would take a $6.25 item down to $5, which we could purchase with a gift card costing us $4.
It looks like you can't redeem cash back value for BBB gift cards any more.
Every time I have been in one, they are kinda chaotic. Stuff everywhere, too many brands and choices.
The stores we've gone into, which are newer ones, have been well organized. It varies from store to store.
With respect to having too many choices, keep that comment (which has merit) in mind when people complain about 401k's not offering brokerage windows or 100+ different fund choices.
Sometimes BBB sells models of products that are unique to BBB, adding another feature for the same price. You have to be familiar with a brand's product line to identify those products.

It gets curiouser.
So, after the secondary/FPO (follow-on public offering) was suddenly fully subscribed at the last minute at price well over the market price, Adani Group pulled it saying that it won't be fair to its investors and that it didn't need the money after all. Deposits would be refunded.
Unfortunately, some traders may have gotten caught in the fiasco or whipsawed.
https://www.financialexpress.com/market/adani-enterprises-withdraw-fpo-worth-rs-20000-crore-money-to-be-returned-to-investors-tweets-ani/2968570/
Edit/Add. Press Release https://www.bseindia.com/xml-data/corpfiling/AttachLive/8e2c9f40-730f-444a-a65f-432194e81edc.pdf