February 12, 2017 4:22 am Published by Stephen Zelcer Facts: Signs were split this month. The S&P 500 gained close to 1%. The three month return was a hefty 7.95%! PMI had a whopping increase to 56.0, from 54.7. This is the first time PMI has broken 55 since November 2014. GDP growth for the 4th quarter
Yesterday, I went live on Facebook for the first time to talk about a timely and important topic for Federal Employees. There’s a good deal of money to be saved (& even earned!) when choosing the right FEHB coverage. This live feed can give you some pointers to choose wisely. Check it out below and while you’re at it, join my
Here’s the scoop for the month of June! Once again, the environment is favoring stock investing. I certainly hear the nay-sayers that are concerned for a “correction,” but I don’t rely on a hunch. I rely on data. All four of the economic indicators have improved this month, again. If I see the economy “correcting”
Definitions Early outs and buyouts are in the air, and federal employees are scrambling to make their retirement decisions. Below are the technical details that surround early outs and buyouts. Those who know the technical details can skip to the very end of the article where I deal with the pressing question of “Should you do it?” First,
May 15, 2017 2:29 pm Published by Stephen Zelcer Alrighty! The May TSP Planning Report is out! Once again, the environment is favoring stock investing. C fund and S funds are looking good. Even the I fund shows signs of normalcy. So, Take a look at some of the more aggressive portfolios. You may be surprised to
I hope you’re doing well. My wife and I took your FERS planning course (and then audited a second time) last year and we have a question that has come up. I hope you don’t mind helping on this point. As we are approaching a certain age we are being flooded with ads for Medicare Advantage type
April 27, 2017 7:38 am Published by Stephen Zelcer The following is an excerpt from my monthly TSP report that I’ve created to guide Federal Employees in allocating their money in the Thrift Savings Plan. Facts: Of the four broad economic indicators, three were positive this month. Unemployment was improved, down to 4.5% which is 0.2% lower than it
January 11, 2017 1:03 pm Published by Stephen Zelcer Happy 2017!!! It’s time to update your TSP. This month my recommended allocations have shifted notably. The US business cycle is reporting strengths in many key areas, suggesting that the some of the asset classes are actually LESS RISKY than they have been over the past 10-12 months. In
December 12, 2016 2:43 pm Published by Stephen Zelcer The election is over. Now what? Just stick to the plan, and keep making your progress. Of course I have heard people preach with conviction that “the market is due for a correction.” Maybe, but there aren’t any indicators suggesting that. In fact, all of my indicators were
November 29, 2016 5:36 am Published by Stephen Zelcer Here’s a brief overview and comparison of the HCFSA (Health Care Flexible Spending Account) and HSA (Health Savings Account). Both of these plans can help you save much on taxes and both are available to you this open season (November 14- December 12, 2016). What are the benefits of
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