Recent content by charmedboi82

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    Dollar Cost Averaging is a Myth?

    The conclusion I've reached from all of this is that it really depends on what happens in the future. They're using the logic that markets rise twice as often as they fall, so they're using the past to 'predict' the future. Of course, you could set the example up to show a market drop. So, of...
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    FERS Benefit

    Yes, thank you. I did know they averaged the latest three years of pay (I was just trying to simplify that part). I always assumed that this FERS pension was so measily (especially with respect to CSRS) that when I calculated how much I would get annually that it seemed like it had to be a...
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    FERS Benefit

    Hi, I don't have my FERS booklet to refer to (it's at my permanent residence), so I'm trying to make sense of the resources available about the two systems (mainly FERS though since it's the system that I'm under). I've found the following page to be very informative...
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    Easy To Say Hard To Do

    Perhaps the market does (although really, that could very well not be true in all cases), but individual stocks don't. There's no shame in selling while the price is down. Sure, you lost money but waiting for the price to come back up could make you miss out on something for the which the...
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    mlk_man's account talk

    Personally, I do think a lot of them would still be needed.
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    New to TSP

    Whatever you do before 12 Noon should take effect later that day (in other words, you'll never know for sure what you're selling or buying at). If you make a change after 12 Noon, it should take effect the close of business the day after. It really depends on the system though since it can...
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    G Fund

    My issue isn't with the taking of the money itself but rather with the absurd spending and lack of fiscal policy. This G Fund matter is just a symptom of the problem.
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    Can you make $1M in the military? Discipline, planning are the keys

    Yes, a lower tax rate is a good time to take advantage of Roth options. Of course no one can know, but if your retirement tax rate is the same as your current, it doesn't matter if the money is taxed before it grows or after. So definitely take advantage of it while you can, but, as you said...
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    Playing the I fund

    You're very right, but the money was already taken out, was it not? I really don't understand the people that say that a law prevents something from happening because we all know that laws are broken every day and only a fraction of the infractions are prosecuted, etc. Maybe they're right...
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    ROTH TSP

    Yes, but current tax rates (thanks to Bush) are pretty low, aren't they? In many ways, it makes more sense to put money into a Roth IRA or 401k because of the historically low rates. The tax savings will be even greater on standard 401k money when tax rates go back up. Of course, I still put...
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    Playing the I fund

    Isn't it only 100 million? Not to mention the fact that I have no where near 100,000 in mine, try a 50th of that. Who's going to be willing to move all of their account at once (into one fund) anyhow?
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    Day contributions are posted??

    Wow, how do they do in so fast? Mine takes forever to go in. It's pretty spaced out though, and ends up contributing the 15 on Tuesdays (varies slightly based on holidays).
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    Does Volatility Hurt Real Returns?

    Call it what you will. In my mind, the difference that you referred to is adequately expressed by what I said. You just seem to refer to it by different terminology. It's why it's very misleading when people quote what the market has done for the past decades. Just because it was up an...
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    Does Volatility Hurt Real Returns?

    Of course, you can't average an average. It's extremely misleading. Thankfully, I learned this in seventh grade from a crazy (seriously) teacher.
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    Playing the I fund

    Aren't they closed for the holiday?
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