New Webinar – Will Retirement Make you Depressed? Thursday September 26th 11am (ET) Will retirement make you depressed?I know we don’t like to think about the potential negatives of retirement, and that’s why you have people like me to nag you and set you on a good path.In my next webinar we’ll explore the practical
Facts: Unemployment remained at 3.7%. 3rd Quarter GDP came in at 3.5%, according to the first estimate. PMI, again, posted another solid month of expansion, with the index reading 59.8%. The S&P 500 got walloped and lost 6.3%. Assessment: Unemployment has not seen such lows since 1969. 3.5% quarterly GDP is (relatively speaking) amazing. PMI continues it’s impressive streak, performing well above-average
Facts: GDP in the 2nd Quarter of 2018 was revised up 4.2%, according to the 2nd estimate. The S&P 500 posted a solid gain of 3.26%. Unemployment remained at 3.9%. PMI, again, posted another stellar month of expansion, with the index reading 61.3%. Assessment: Unemployment is very low, again. 4.2% quarterly GDP is amazing and
Facts: Unemployment dropped to 3.9%. Unemployment hasn’t dropped below 4% in 18 years. The S&P 500 posted a paultry gain, up 0.38%. PMI, again, posted another month of expansion, with the index reading 57.3%. The 1st estimate for 2018’s 1st quarter’s GDP was 2.7%. Assessment: The Unemployment report is pretty cool. It’s been 18 years since employment
March 12, 2018 Facts: The S&P 500 had a HUGE drop of 3.7%. PMI, again, had explosive growth, up almost a full percent from last month to 60.8%. The 2nd estimate for the 4th quarter’s GDP is 2.5%. Unemployment was stable at 4.1%. It’s been at 4.1% for 4 months. Assessment: If we could ignore
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,
October 9, 2016 3:30 am Published by Stephen Zelcer 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 months make? Here are some
September 1, 2016 1:55 pm Published by Stephen Zelcer It’s finally September 1st, and that means FEGLI open season has begun. There has never been a better time to brush up on all the Life Insurance options available to Federal Employees. The last time this happened was in 2004! There is so much to learn about
A mistake that Federal Employees make with their TSP is NOT coordinating their TSP with their outside investments. This mistake is very common and has many different applications. Here’s a true story to illustrate: My client (at that time they weren’t yet a client) took me up on my free consultation offer. One of the points we discussed was maximizing
A super-popular question I get asked by pre-retirees is whether they should take Medicare Part B. Medicare Part A is free and so it doesn’t bother people as much. But Part B comes with a cost, and that get Feds thinking if they need to pay for BOTH FEHB & Medicare Part B, or just
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