Recent content by mcash

  1. M

    tsptalk's Market Talk

    OK, I'll explain the perhaps twisted logic behind my distribution of funds across multiple L-funds. I'm fundamentally a buy and holder not a trader. I rebalance maybe once year. My current distribution is 15% C, 15 S, 25 L-Income, 20 L2030, 15 L2040, and 10 L2050. I think of it from the...
  2. M

    The age 65 Medicare decision.

    Epic, I think you have all the facts here as I understand them. One thing not mentioned is if you are still working. If still working you can delay enrolling in Part B. If retired you need to enroll at 65 or you pay a penalty if you choose to enroll later. As for me, I crossed that threshold...
  3. M

    Epic's Account Talk

    I don't know, 200K amounts to 15-16% on a 1.3 Million account. About 3/5ths of the folks on the AutoTracker right now are down at least that much YTD. You haven't lost it till you sell it.
  4. M

    NEW WEBSITE IS NOW ACTIVE- SIGN UP NOW.

    Looks like they have abandoned the DL or Passport image upload thing that was killing my account set up attempts. New path this morning had me answer some interesting security questions that I seemed to have gotten correct. Access to my account has been restored. Thank goodness.
  5. M

    Perspective

    Want to feel better? In light of the market performance so far this year, allow me to share how I've managed to gain a little perspective. Look at how your account balance has changed from 3/19/2020 to 3/19/2022. I'm up 54.1% over that interval... kind of takes the edge off that fact that I'm...
  6. M

    How much am I allowed to earn in retirement?

    Looks like the Social Security Earnings Test limit for 2022 is $19,560. If you are receiving the FERS supplement it will be reduced if your earnings exceed that amount.
  7. M

    Billionaire Peter Thiel could be forced to pull $5 billion from his retirement accoun

    Wish I would have thought of that. some problems really aren't problems.
  8. M

    COVID EO

    I don't know how this will impact the US workforce overall but, I've though about this a good deal over the weekend. My situation, 61 years of age, currently receiving FERS retirement, and have been working part-time as a government contractor for mental stimulation over the past 4 years. I've...
  9. M

    Pension

    Not only dose the supplement stop when you reach age 62, you need to be aware that the supplement is also subject to an earnings test. That is, your supplement will be reduced if you have earned income exceeding $18,240 (2020 number). I retired at 57 and have had to keep an eye on my earnings...
  10. M

    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    Respectfully, I believe you are incorrect, I have made no promise to Uncle Sam as to when I will claim SS. The supplement is no way attached to SS, it is purely a FERS thing. It is automagically included in your FERS annuity if you have 30 years of service and have reached your minimum...
  11. M

    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    My plan is to wait for my FRA at 67 and my situation is as follows: Age 60, retired FERS at 57 with 33 years of service, TSP balance is robust and I am not yet drawing a check from it. My FERS annuity including the Supplement is sufficiently funding my retirement budget. My bride of 37 years...
  12. M

    4-year college degree?

    AA Engineering Palm Beach JR. College 1980 BS Ocean Engineering Florida Atlantic University, 1982 MS Civil Engineering, 1986 Loans paid in full by 1988. No regrets, served me well.
  13. M

    NSurf9 Account Talk

    I'm in. I'm a non-posting lurker here, but this issue is one important enough for me to emerge from the shadows.
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