FEGLI, Survivor Benefits, or Self-Insurance? Live Webinar Do you need life insurance? I know some people assume life insurance is a ‘must have’, but is it? And if you do need life insurance, how much? And which type of life insurance is the best? Close analysis of this topic will show that your insurance
Q&A – Should I front-load my HSA investment? Question Hey Stephen! We opened an HSA this year! I’m excited to fund it and have the money invested. We have the cash and we can front-load the entire HSA contribution now at the beginning of the year. Is it better to front-load all the money now, and
December 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 4.6% to 4.2%. Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) decreased .69%
Q&A – Accessing your TSP at age 55 Question Stephen, I was in one of your classes earlier this year and have a question if that is OK. I am retiring the end of December just over MRA at 57. I have 33 years of service. I plan to take the Social Security Supplement. It
Q&A – Should I use my TSP to start a business? (This article originally appeared as Ask Bob: Do I Qualify For a TSP Hardship Withdrawal – here) Question My wife and I started a business, but due to COVID, materials, construction prices dramatically increased and permitting delays we have not been able to open
November 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 4.8% to 4.6%. Unemployment was at 6.3% in January 2021. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 61.1, compared to last month’s 60.8. The S&P 500 (C Fund) increased 7% in
Watch Now – Should I take Medicare? Medicare Part B costs thousands of dollars a year. And they threaten you with penalties if you don’t take it. You already have FEHB. Do you need both? My next Webinar – Should you take Medicare? In this webinar I explain: The costs of Medicare When you need to
Retire early in the year, and get free money from FSA I admit – I get a guilty feeling when I share this one. Health Care FSA has this interesting feature – it reimburses you for your medical expenses even with money that you have not yet funded into your FSA. See here: https://www.fsafeds.com/support/faq/all/1003 “If you
October 2021 TSP Planning Report: Facts: This month’s unemployment rate decreased from 5.2% to 4.8%. PMI (Purchasing Managers Index) continued to expand (any reading above a score of 50 means expansion). This month’s reading came in at 59.9, compared to last month’s 59.5. The S&P 500 (C Fund) decreased 4.65% in September, compared to an increase 3.03% in
New Webinar FSA vs HSA – Which is better for you? Both of these plans are available thru FEHB this open season. Understanding the advantages of each can translate into thousands of dollars of savings every year. Join me now in my new webinar: FSA, HSA or Both? – Which strategy will save you the
Q&A – Funding & Replenishing the 10-year bucket Question Hi Stephen, I set up the 10-year conservative bucket, as you instructed. It represents 10-years of investment income. I love the idea! I just had some questions: When do I draw income from the conservative bucket, and do I need to replenish the conservative bucket as some point? If yes,
Should you take Medicare? – New Webinar Medicare Part B costs thousands of dollars a year. And they threaten you with penalties if you don’t take it. You already have FEHB. Do you need both? My next Webinar – Should you take Medicare? In this webinar I explain: The costs of Medicare When you need to
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