My Blog

My Blog

Categories
Archives

Recent Blog Posts

retirement
FERS

MRA+10 Retirement – should you postpone your FERS pension? (w/video)

MRA+10 RetirementShould you postpone your FERS pension? (w/video) Read the video transcript: FERS employees, you have the ability to retire early with something known as the MRA plus 10 retirement. Now let’s define that. MRA, Minimum Retirement Age, for most FERS Employees, is 57. So MRA, 57, plus 10, what does that mean? 67? And

Read More »
TSP Planning Report
TSP

TSP Planning Report February 2024

Facts: The G Fund rate for February 2024 increased from 4% to 4.125%. The Fed Funds interest rate remained at 5.3%. This month’s unemployment rate remained at 3.7%. The 1st Estimate for Q4 GDP came in at 3.3%. Last quarter’s GDP was 4.9%. PMI (Purchasing Managers Index) expanded to 50.7 (any reading below 50 represents

Read More »
Should I take a TSP loan?
Retirement

Live Webinar – Should you take a TSP Loan

Should you take a TSP Loan? Borrowing from your retirement account. Hmmm. Is that smart?This is a topic you will find mixed messages about if you search online. There’s a time when it makes sense, and times when it’s a massive mistake. Join me in my upcoming webinar “Should you take a TSP Loan?” where

Read More »
Fake Social Security
Retirement

Fake Social Security (w/video)

Fake Social Security (w/Video) Read the video transcript: Welcome back to the channel. So in a previous video, we spoke about the three legged stool. Somebody who retires at minimum retirement age (MRA), which for many FERS employees is age 57. So they could get their first pension. They could get their Thrift Savings Plan,

Read More »
roth or traditional
Webinar

New Webinar – What’s better: Roth or Traditional?

What’s better: Roth or Traditional? Roth versus traditional. Better to pay the taxes now and no tax later, or better to pay no tax now and all the taxes later? This decision is relevant both when employed and also in retirement. In my upcoming webinar we will explore: Who should do Roth and who should

Read More »
CSRS vs FERS - Full COLA, Diet COLA, or NO COLA
CSRS

CSRS vs FERS – Full COLA, Diet COLA, or NO COLA (w/video)

CSRS vs FERS – Full COLA, Diet COLA, or NO COLA (w/Video) Read the video transcript: Welcome back to the channel. So, FERS employees, I want to compare you to the CSRS system. I know you’ve heard about the CSRS system. I know. I know. You’re green with envy because you’ve heard that they got

Read More »
TSP Report on Economic Forecast
Investment

TSP Report – 2024 Economic Forecast

TSP Report2024 Economic Forecast 2024 Economic Forecast – 8 Areas of Macro-Economic concern for the US: 2023 was a challenging year economically, but you wouldn’t notice that from the stock market.  S&P500 ended 2023 up 24%. You’d think there’s nothing wrong with the economy.  However, there are fundamental issues with the economy.  We may not

Read More »
blog
The Market

TSP Planning Report November

TSP Report November 2023 Facts: The G Fund rate for November 2023 increased to 5%.  Wow!  The Fed Funds interest rate decreased slightly from 5.5% to 5.3%.   This month’s unemployment rate increased from 3.8% to 3.9%.   The 2nd Estimate for Q3 GDP came in at 5.2%.  Last quarter’s GDP was 2.1%.   PMI (Purchasing Managers Index)

Read More »
blog
Federal Sick Leave

Federal Sick Leave: What you need to know. (w/video)

Federal Sick Leave: What you need to know. Read the video transcript: Welcome back. I wanna continue the thoughts about sick leave. Last video we spoke about how sick leave could extend your service. I wanna hone in a little bit further with sick leave and see if there’s any other benefits we could extract

Read More »
Should I take medicare?
Medicare

Do I need Medicare? – New Webinar

Do I need 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? Tuesday December 19th 11am ET In this webinar I explain: The costs of Medicare When you need to worry about

Read More »
creating a retirement investment strategy
Retirement

Is Retirement Better at Beginning or End of Year? Updated for 2024

Is Retirement Better at Beginning or End of Year? Updated for 2024 I often hear people say “I’d rather retire sooner than later.” But when the choice of retirement dates is just a matter of a few months, then people often assume there’s not much difference between sooner or later. What difference does a few

Read More »
blog
Long Term Care Insurance

The Recurring Long Term Care Insurance Price Increase Ultimatum

The Recurring Long Term Care Insurance Price Increase Ultimatum FLTCIP policy-holders are, once again, being threatened with price increases.(For those who haven’t been following the news, OPM’s Federal Long Term Care Insurance Program (FLTCIP) was suspended in November 2022 because of these price increases.  No new applications are being accepted, but existing FLTCIP policy-holders still

Read More »

Subscribe to My Blogs

Get fresh insightful content delivered to your inbox

Thank you very much for subscribing to my Newsletter. 

Stephen

Stephen Zelcer © 2025 All rights reserved

Made by TB