Recent content by NatInPW

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    Guess Who This Is...

    Leslie Ann Warren?
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    Guess Who This Is...

    Yep - her voice had such a beautiful tone - gone way too soon -
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    Guess Who This Is...

    Iconic duo from yesteryear...
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    Guess Who This Is...

    Jean Stapleton (?)
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    Retiring 12/31/22

    Hey Fellow USDA-er (FSIS then OCIO for me). I've been thinking the end of this year as well, but will probably push to the end of next year. You must be under CSRS? Congrats on the pending retirement. I've heard similar horror stories about other USDA retirees. I think a lot depends on who...
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    Risk for retirees ????

    I heard a guy on youtube the other day mention that for a FERS retirement, both the pension and SS are the equivalent of "bonds" (they provide a steady and predictable income stream), so the TSP monies should be heavily invested in the market (presuming you have enough cash to survive a few-year...
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    SOCIAL SECURITY QUESTION

    I think they pro-rate the increase for the year you start claiming SS, so you wouldn't get the full increase anyway. $13 a month for delaying doesn't seem like a lot - < 200$ a year? I'm not sure how long I would delay for that small return. One thing I'm continually perplexed by is...
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    Funding a house down payment

    Taxes - if I take the 403b funds now it will push me into a higher bracket for 2022. But I'm certainly no expert myself. I don't think a bank loan is possible now. I already have a cash contract on the house so I don't think I'll be able to introduce a new contingency (the cash offer was...
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    Funding a house down payment

    I turn 62 soon, and am considering retiring this year (or next). I just put a cash-only contract on a house. The problem is I don't have quite enough cash to close, and I want to make some changes after we close, so I'm looking to raise 80K. What's the best way for me to get that money? A...
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    Valkyrie's Account Talk

    I think you can convert pre-tax traditional retirement funds into Roth funds (saving the future tax on any profit) - But to do it, you have to pay the tax on the money at the time of conversion. This is a good strategy as long as the "income" doesn't bump you into a higher tax bracket...
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    Bullitt's Account Talk

    Do you mean your TSP is 65/35, that is, you have 35% in F (or G) ? TSP is my only investment, but it seems like there aren't a lot of good bond choices in TSP...
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    rangerray's Account Talk

    I try to play, but I mostly listen because I'm not that good. I'll never forget the sound of that acoustic that rang like a bell in the 1972 Will The Circle Be Unbroken album - I became a lifelong fan of Merle Travis and Doc Watson on the spot.
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    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    Looks like you're very prepared for retirement gibsonman, congrats!
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    Retirement Talk - Deciding When to Claim Your Monthly Social Security Benefits

    I've always heard, and the SS website seems to confirm it, that the estimates they provide for ages 62, FRA and 70 all assume that you continue working, at your current salary, until you reach those ages. I don't think they provide an estimate for delaying your payment past 62 when you are not...
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    Successful Fed.Employee-7 figure club?

    I'm in my 31st year now. When I started TSP, I chose 80% C and 20% F and forgot about it. I mean FORGOT about it. I even received correspondence from the TSP folks saying "you haven't changed anything in 20 years - you still there?" I started at 10% and gradually increased it, but now am...
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