If you feel daunted by your TSP plan, consider contributing the same percentage of your check per pay period, instead of a specific dollar amount. This way, if your compensation increases, the amount you contribute will increase at the same rate as well. The percentage strategy works especially...
How can my retirement pay continue to go to my family if I die? The Survivor Benefit Plan (SBP) allows a retiree to ensure a continuous lifetime annuity for their dependents after they die. The annuity, based on a percentage of retired pay, is paid to an eligible beneficiary. Unlike som...
Another big difference is in theemployer match. The federal government provides a sliding percentage scale of matching contributions for your TSP. Even if you contribute nothing, it will contribute 1% of your annual salary to your TSP. The scale tops out at a 5% government match if you contrib...
The HOA makes the move-in/move-out process trying, and I truly believe they'll like staying at my place for the long term. I explicitly asked the couple how long they think they'd want to live in my place. He said at least two years because he was getting a promotion in four mon...
Starting in 2020–with the passage of theSECURE Actby the U.S. Congress–new rule changes for retirement plans kicked in. The new ruling made annuities within defined-contribution retirement plans more portable, meaning that for those who change jobs, the annuity can be transferred to another ...
Regularly rebalance your portfolio to maintain diversification. As market conditions change, some investments may outperform while others may underperform. Rebalancing involves selling some assets that have performed well and investing in those that have underperformed, bringing your portfolio back to its de...
We hope you find these testing numbers useful. We retest new supplements after they have been used a while, to check how good they are proving to be after extended use. So numbers will change and emphasis too, based on real life results. ...
If you’ve been eating a clean diet for some time but your weight isn’t budging, you may also want to considerfood sensitivity testingto remove foods that are specifically inflammatory to you. Many of my clients who have played with their current diets have seen progress in weight loss af...
in additional federal income tax each year:I Bondson the inflation-indexed side and a Vanguard muni bond fund on the nominal side. Thus, I went from thinking, “Why would anyone own muni bonds?” to actually having a large and ever-increasing percentage of my bonds in a muni bond fund....
1, 2035.” Examples of a poorly-defined goal include, “I want to be able to retire someday,”“I want to make as much money as possible with my investments,” or “I want to be a millionaire.”Plan for ChangeNaturally, life circumstances and goals change as the years go by. That...