Not affiliated with The United States Office of Personnel Management or any government agency

September 21, 2018

Federal Employee Retirement and Benefits News

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Donald Trump

White House Stands Behind 2019 Pay Freeze

The fiscal budget proposal for 2019 put out by the White House on February 10th had some unpleasant tidings for employees of the federal government. The Trump Administration’s suggestion of a pay freeze was one of the most worrisome. For...
Congress Makes Some Changes To TSP With Modernization Act, Still Misses Opportunity To Improve It Further

Congress Makes Some Changes To TSP With Modernization Act, Still Misses Opportunity To Improve It Further

What Does the TSP Modernization Act Mean? A significant number of federal employees are using the Thrift Savings Plan as their key retirement savings account. After all, it comes with easy-to-comprehend market indexes with little fees. It allows them to match...
Best Dates to Retire

Best Dates to Retire for CSRS and FERS Employees 2017, and 2018

Before we begin our discussion, let’s try to understand some important rules and issues concerning FERS, CSRS, and CSRS Offset employees. To start, let’s make the confusion regarding “Trans” FERS employees. “Trans” FERS employees are who have served at least...
public sector retirement tsp

Federal Retirement News

Federal employees have access to federal employee retirement plans and benefits that are changing constantly.  The news and information related to these plans impact both the Federal Employee and Retirees along with their families but being the largest workforce on the planet,...
usps postal service

Changing Your LiteBlue / PostalEase Password

By now, you will almost certainly have received your new LiteBlue / PostalEase password.
LiteBlue – PostalEase Serving Postal Workers

LiteBlue – PostalEase Serving Postal Workers

PostalEase and LiteBlue help the Postal Service provide service and structure to all the post offices throughout the nation. As I speak to a number of individuals they describe the Postal Service as just their local post office.
TSP Withdrawal

Thrift Savings Plan (TSP) Withdrawal Options

The rules for your Thrift Savings Plan are pretty straightforward while you are working, but they become increasingly more complex as you enter retirement and attempt to access the money that you have saved in your TSP.gov account.
usps postal service

How To Bid Assignments / Routes on USPS LiteBlue

The process is, now, entirely automated, from the creation of the route posting to the award (by seniority) and then ultimately to the necessary personnel actions.
eretire

eRetire for Postal Employees – Retirement Applications on LiteBlue

eRetire for Postal Employees  — Retirement Applications on LiteBlue eRetire: The self-serve LiteBlue.usps.gov website application which gives employees access to their retirement plan through the LiteBlue (www.liteblue.usps.gov) web-site. The employees with Access to eRetire are (Retirement Specifications); Postal Employees within...
postalease

Use PostalEASE for your Allotment or Net To Bank selections

PostalEASE, the telephone enrollment system for Postal employees, provides convenient and secure access for you to make your allotment or “net to bank” (Direct Deposit) selections. Use PostalEASE to; Start the transfer of a portion of your earnings to a...
LiteBlue / PostalEASE

LiteBlue / PostalEASE

If you are a Postal Employee will need your Employee ID Number and your USPS Personal Identification Number (PIN) to Access PostalEASE (the telephone version of LiteBlue) You can call PostalEASE at 1-877-4PS-EASE (1-877-477-3273) PostalEase is the U.S. Postal Service’s...

USPS LiteBlue: Access to More Than Just Your Earnings Statement

ePAYROLL 
is another www.LiteBlue.usps.gov feature available to you through LiteBlue ‘MY HR.’
LiteBlue "My HR"

LiteBlue: How To Use USPS LiteBlue

To use LiteBlue and view your information, visit the website (LiteBlue.usps.gov). You will find the site by clicking HERE or searching for LiteBlue.usps.gov on the internet. The site is maintained by the USPS as part of the United States Postal...
LiteBlue: What Postal employees should do on LiteBlue Before Retirement

LiteBlue: What Postal employees should do on LiteBlue Before Retirement

The information that is currently available to you on LiteBlue will be gone after your separation. Once you leave service LiteBlue will no longer be available to you, so be sure to download the following list from LiteBlue so you...
Thrift Savings Plan

Thrift Savings Plan

The Thrift Savings Plan is the Federal Government’s retirement account for eligible employees. Thrift Savings Plan (TSP) The Thrift Savings Plan (TSP) is a retirement savings program for federal employees and members of the uniformed services. It provides you with the opportunity...
liteblue

LiteBlue: Everything You Need To Know (liteblue.usps.gov)

LiteBlue helps Postal employees stay informed and in touch with their careers.
TSP.gov Login & other TSP Information

TSP.gov Login & other TSP Information

What you can do when you access your TSP Account through TSP.gov
FEGLI

FEGLI

The Federal Employees’ Group Life Insurance (FEGLI) program is a group life insurance program administered by the federal Office of Personnel Management.
FERS Social Security

FERS Social Security Special Retirement Supplement

FERS Social Security Special Retirement Supplement A full career employee under the Federal Employees Retirement System (FERS) with 30 or more years of service can retire at their minimum retirement age (MRA), which is between the ages of 55 and...
FERS Annuity

FERS Annuity

This article discusses how your FERS annuity is calculated if you are a federal employee.
retirement savings

Americans with a DC Plan more Optimistic about Retirement Savings

A new survey has revealed that the Americans who have a DC plan are more optimistic about their retirement savings. The satisfaction was mapped against the data collected in 2012. People were also more optimistic about not having to work...

How Politics and Being Fired Can Effect Federal Retirement

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Options for Federal Life Insurance While You Are Employed

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Tax Friendly States—37 States That Won’t Tax Your Benefits

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Pay Freeze Backed By House

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Retirement News: Big changes to your 401(k) and IRA and more

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part time work and your annuity

1.9 Percent Raise Approved by Senate

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Past 12 Months and YTD Show TSP S-Fund on Top

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federal government

House OK with Pay Freeze; Senate Backs 1.9 Percent Raise

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Your FERS could change in retirement

All Wealth Levels Protective of Retirement Assets

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Insuring While Investing

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Army Official Encourages Thrift Savings Plan Opt-in

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No Performance Fund in Spending Bill, No Raise

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Can Unused Sick Leave Be Credited Toward Retirement?

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“Creditable Civilian Service” – What Does It Mean?

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Is The Cost Of Working After Retirement Really Worth It?

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Are You Benefiting From Taxes Being “On Sale”?

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Does Changing Annuity Contributions Make A Difference?

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When Making Your Annuity Election, Consider This

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Benefits: What Exactly is a TSP?

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Your FERS could change in retirement

ASAs Based on TSP Reintroduced in Senate Bill

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retirement savings

A Closer Look At The Insurable Interest Annuity Option

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Careful investment in the TSP can be a great idea

Strong Gains for the TSP

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Notebook Finance and Retirement Savings

TSP: What You Can and Can’t Rollover

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Federal Employees to Get 12 Weeks of Paid Parental Leave

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Importance of Sick Leave

Importance of Sick Leave

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Federal Employees and Estate Planning | Linda Jensen

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TSP-Like Personal Savings Accounts Would be Created by Bill

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federal pay

Why Military Pensions are Insufficient to Retire On

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How the Coming Bear Market Will Cause a Retirement Crisis

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Top Three Reasons Not To Trust a Balance Sheet

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be careful about the market

How To Choose A Supplemental Investment For Your TSP | Linda Jensen

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projections for stocks

Defense Department Reports On Take-Rates Projections For BRS

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oil prices can affect the TSP

Is The TSP Affected By Oil Prices?

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Get A TSP Loan To Attain Money You Need

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worldwide events can affect the TSP

How The TSP Funds Could Be Affected By Tariffs and New Governments

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Your TSP Account Should Be Prepared For A Long Retirement

Your TSP Account Should Be Prepared For A Long Retirement

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Contributing to an IRA is like planting a money tree

IRA Accounts Are Another Way To Save For Retirement

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Military Retirement has been confusing for some.

BRS Enrollment and Participation Not As Strong As Predicted

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retirement

Linda Jensen | How You Can Successfully Fund Your Retirement Years

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Trump threatened a government shutdown this September

Planning For Retirement in the Light of Proposed Benefit Cuts

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You Could Soon File Insurance Claims with Robots

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Linda Jensen | Top Four Tips for IUL Shopping

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government shutdowns

Potential Government Shutdown Looms in Fall

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federal employees

How to Keep Federal Employees Engaged During Periods of Uncertainty?

This article sheds light on how leaders in agencies can keep the federal employees engaged during periods of uncertainty by revealing the core needs.
Rick Spruill

Rick Spruill: How to Determine if FEGLI is Right for You

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retirement benefits

Linda Jensen | How to Pay Less Taxes on Your Federal Retirement Income

If you want to pay less tax on your federal retirement income, you should read this article offering tips on saving tax and avoiding penalties.

The Blended Retirement System

More than 1.5 million individuals are qualified to decide their future military retirement benefit. The new law which has
Rick Spruill

Rick Spruill | Everything to know about Denied FEGLI Claims

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Linda Jensen

Linda Jensen | How to make the most out of your TSP Plan

LINDA JENSEN – The Thrift Savings Plan, or TSP, is a retirement fund plan for the Federal employees. Individuals from uniformed services such as the Ready Reserve can also avail this plan. The Thrift savings plan was created in the...

What Happens to your Debt when you Die?

  Upon an individual’s death, they leave substantial amounts of debt. Sometimes, your debt obligation may end upon your death. Beware though that if you didn’t plan accordingly, creditors may wipe out your accumulated investments, assets, or savings. As a...

Top 9 Tips for Planning Your Retirement

Between 2006 and 2016, there was a 33% rise in Americans aged over 65 to 49.2 million. What’s more, it is expected that by 2060 this figure will double. For this reason, it is imperative that you prepare accordingly as...

Americans at Risk of Bankruptcy during Retirement

Typically, bankruptcy is a considerable risk for retirees though recent saving trends portend a rosy picture. Data indicates that the number of retirees with less than $10,000 is declining. It fell from 55% to 42%according to a GoBankingRates survey. Besides,...

Majority of Americans Ill-Prepared for Financial Disaster

In the event of an emergency, 40% of Americans will need to sell something off or take out a loan to raise $400. A 2017 survey of 12,000 people by the Federal Reserve indicates that retirement is far from rosy for...

Dealing With Debt For A Happy Retirement

If you find yourself still struggling with loans and credit card payments now that you’re approaching retirement, you’re not alone.  With an average debt of nearly $40,000 in older households, America is still adapting to changes in life expectancy and the...

Don’t Just Rely On Social Security To Help You During Retirement

Anybody who wants to live comfortably during retirement – that doesn’t involve working part-time – should not rely on just Social Security income. This advice comes directly from the Social Security Administration. According to the SSA, only a minute amount...

An Uncertain Path To Retirement

Planning for your retirement is a daunting task for most of us, even for federal employees. Various interrelated factors may complicate this process. Nowadays, conventional retirement plans either have disappeared, or existing ones (like FERS) are becoming less adequate. On...

Top 5 Retirement Questions

Ideally, it is important that you create a written statement of your retirement plan. Your retirement plan should be simple rather than complex or verbose. According to surveys, having a written plan contributes to feelings of satisfaction in the long...
retirement savings

Safeguard Your Retirement with the Right Investments

Typically, investors receive the same admonishment any time markets perform poorly: don’t abandon ship! You should take this advice with a pinch of salt. Properly, investing your resources depends on your age and financial goals.   In the light of...

Maximizing the Sweet Spot Years of Your Retirement

  As you approach your retirement, it is high time you address your tax obligations. Retirement’s sweet spot is the period between formal retirement and when you begin accessing RMDs from your 401(k) plan or your individual retirement plan. Typically,...

Top 4 Tips For Evaluating Life Insurance

Life insurance replaces your income in case of an early demise. It provides protection to a spouse, children, or other dependents. Often it is challenging determining how much life insurance is sufficient for your unique needs. Here are four tips...

Maximizing the Sweet Spot Years of Your Retirement

As you approach your retirement, it is high time you address your tax obligations. Retirement’s sweet spot is the period between formal retirement and when you begin accessing RMDs from your 401(k) plan or your individual retirement plan. Typically, this...

New Contribution Limits Of The Thrift Savings Plan

  Military personnel and federal employees can put hundreds of dollars more toward their retirement thanks to the rise in contribution Thrift Savings Plan limits.   The most that can be contributed to a TSP account is $18,500, which is...
Pay raises for federal employees

Military Service Members Overlooking Key Step While Enrolling In Blended Retirement System

It appears that more military service members are choosing the blended retirement system but overlooking an important step. That’s the word coming from the Federal Retirement Thrift Investment Board. According to the Director of the FRTIB’s Participant’s Services Tee Ramos,...
A tackle

9 Things The RSC Budget Is Tackling To Get Control Over Federal Deficit

The Republican Study Committee recently unveiled its yearly budget proposal – A Framework for Unified Conservatism – for the 2019 fiscal year. The proposal mirrors many recent Trump Administration and other legislative proposals to diminish the pay and benefits of...
Donald Trump

White House Stands Behind 2019 Pay Freeze

The fiscal budget proposal for 2019 put out by the White House on February 10th had some unpleasant tidings for employees of the federal government. The Trump Administration’s suggestion of a pay freeze was one of the most worrisome. For...
Michael Wood

Why Commodities Could Be A Secondary Investment Option To Your TSP Investment | Michael Wood

MICHAEL WOOD —The Thrift Savings Plans is a great investment option for people with stocks and bonds. However, if they have another investment account such as an IRA, holding onto some assets besides these can expand one’s wealth and offer...

TSP’s I Fund To See A Much Brighter Future With FRTIB’s Change

In November 2017, the Federal Retirement Thrift Investment Board option to expand its I Fund, which included the following: small-capitalization businesses, emerging markets, and Canada. You can read the full plan by checking out their November meeting minutes. In a...
An empty mailbox

Rural America’s Postal Service is Slowly Crumbling

Recently, President Donald Trump announced that there would be drastic cuts in federal retirement benefits that would affect current and future employees attempting to retire. Among other changes, the retirement system would take a $143.5 billion cut in funding. In the...

Not affiliated with The United States Office of Personnel Management or any government agency