XL-entLady's Account Talk

[XL-entLady]

I think all this needs its own thread in the "retirement" forum, so it doesn't get lost. One of the mods might be able to move it, if you like, Lady. Just a suggestion.

Excellent suggestion, Luv2, but I dont' know how to move it.:embarrest: Shall I do a 'copy and paste' to a new thread? Or ask a moderator to do it?

Lady

 

[luv2read]

Excellent suggestion, Luv2, but I dont' know how to move it.:embarrest: Shall I do a 'copy and paste' to a new thread? Or ask a moderator to do it?

Lady

Ask one of the mods which is easiest/best.

 

[XL-entLady]

If you have a great HR department, then you can get a retirement analysis from them. If your HR department is like a lot of them, then your best bet is to get an Employee Benefits Statement from your Employee Express website.

Woops! I was rereading my post and realized that I phrased that way wrong! It sounds like I don't think HR departments do a good job and that is not what I meant! What I was trying to imply was that most HR departments are understaffed and overwhelmed with work. So I figured I'd better clarify!

Lady

 

[XL-entLady]

For those of you who are interested in what today's numbers did to the moving averages, my figures show:

G Fund is at its 14 day average, 0.2% above its 50 day average, and 1.0% above its 200 day average.
F Fund is 0.1% above its 14 day average, 0.3% above its 50 day average, and 1.3% above its 200 day average.
C Fund is 1.2% below its 14 day average, 0.1% above its 50 day average, and 0.5% above its 200 day average.
S Fund is 1.0% below its 14 day average, 1.3% above its 50 day average, and 2.3% above its 200 day average.
I Fund is 1.1% below its 14 day average, 1.2% above its 50 day average, and 2.6% above its 200 day average.

I'm still holding the course, and will continue to do so unless we dip below 1350. If that happens then I'm not sure where it's going to quit, and I'll act to stop the bleeding.

Lady

 

[luv2read]

Lady,

Did you check P&F Chart School thread? I use that tool as well.

1362-1364 are magic numbers....:worried:

 

[Silverbird]

There (1) A FERS retirement annuity (the one totally separate from TSP) is figured as 1% of your high three average pay times your years in service. If you make it to 30 years of service, then the multiplier is 1.1%.

Lady

I think you have to reach the age of 62 to get the 1.1% multipler? Or did this change since the ancient tome OPM has online on FERS?
Also, on the FERS annuity, note that the survivor benefit is roughly half of your annuity (again this is from the ancient tome so I could be wrong).

 

[XL-entLady]

I think you have to reach the age of 62 to get the 1.1% multipler? Or did this change since the ancient tome OPM has online on FERS?

Thanks so much for the correction, Silverbird! I thought the multiplier kicked in at 30 years but I was remembering way wrong. (Because it didn't apply to me, I guess.) But it's actually "62 years of age with at least 20 years of service".

Guess that's why I'm not HR! Thanks again for the correction!

Lady

 

[XL-entLady]

I got jerked out of bed this morning before dawn by a contractor project glitch and didn't get a chance to look at the markets until just now.

We're inching dangerously close to the 1360 hinge point. (My charts showed 1350 but L2R pointed me to the P&F Chart thread, and James's ruler draws a straighter line than mine does.)

If I could do a real-time IFT I'd pull the trigger right now. Having the normal lag time of 10 to 33 hours is bad enough, but on this holiday weekend it could be a whole different world by the time the IFT took effect. G-a-h-h-h-h!

Oh well, the only thing in life that's fair comes around once in the summertime with merry-go-rounds and cotton candy! So I'll stay the course and hope to make up the ground over the long haul.

Have a great weekend, everyone! And to quote Hill Street Blues, "now let's be safe out there!"

Lady

 

[luv2read]

Hi Lady,

You can easily make your own P&F charts (and others) for all of the indices. Just go to Stockcharts.com. Click the box and choose the type of chart you want. Enter the symbol for the indice you want ($SPX for S&P500). Click GO, and voila! Instant chart with lines! There's even a school explaining the charts, and an all-inclusive symbol list.

 

[fedgolfer]

regarding stockcharts and TA -- watch out though, 'cause on the the weekly chart right above the p&f chart, its showing a engulfing bear flag off the key resistance level 200dma ... a bad omen for sure.

 

[luv2read]

regarding stockcharts and TA -- watch out though, 'cause on the the weekly chart right above the p&f chart, its showing a engulfing bear flag off the key resistance level 200dma ... a bad omen for sure.

yes....and a buying opportunity for June positioning...for a few days anyway.

 

[Steadygain]

Good Night Precious!!

Just noticed you were on and wanted to let ya know I really enjoy reading your posts and having you here. I think it's wonder you have such a special skill that you can do contract work - and I'm sure they're thrilled to have you whenever they can get you.

Let's hope this weekend you can find just the right spot to relax and not feel any pain at all and maybe get some fresh air and just enjoy the beauty of nature. Well have a good one my love, see ya next week.

Steadygain

 

[XL-entLady]

Hi all,

Comparing yesterday's numbers to the moving averages, my figures show:

G Fund is at its 14 day average, 0.2% above its 50 day average, and 1.0% above its 200 day average.
F Fund is 0.2% below its 14 day average, 0.1% below its 50 day average, and 0.7% above its 200 day average.
C Fund is 0.4% above its 14 day average, 0.7% below its 50 day average, and 0.3% above its 200 day average.
S Fund is 0.5% above its 14 day average, 0.9% above its 50 day average, and 2.8% above its 200 day average.
I Fund is 0.5% below its 14 day average, 0.3%below its 50 day average, and 1.9% above its 200 day average.

This morning I did an IFT to take my account to 53% G, 7% F, 5% C, 20% S and 15% I. That raises my stake in G, and lessens my stake in C and I. And here's my thinking behind the move. I wasn't at my stop loss amount yet, but it made me very nervous to see the C and I Funds cross their 50 day moving averages. I Fund is still reasonably above it's 200 dma so I didn't pull clear out but I'll be watching it. And S Fund is doing well across the board. But I will be keeping in mind that during a dip recovery the S Fund usually recovers first but then can dip as the C fund moves stronger.

I also moved to a more conservative mix for another big reason. One of my work projects is at critical mass and then over the weekend I got an SOS to lead another project that will put me into travel status starting this weekend and running for at least 2 weeks or longer - and lots of 14 hour days.

Yes, it will be tough, but it's one of those "grimace all the way to the bank" things.

Anyway, I won't be able to watch the markets nearly as closely as I'd like to during that time, so I figured I'd better go into more of a protection mode.

Anybody have any thoughts I should consider before I get buried in the workload?

Thanks in advance for any words of wisdom!

Lady

 

[XL-entLady]

Today the F Fund crossed its 200 day moving average to the negative side.

I don't have much in F, but as soon as I'm out of IFT jail tomorrow I'm moving it to C or S. But which one .... Hm-m-m-m.

Lady

 

[Buster]

Today the F Fund crossed its 200 day moving average to the negative side.

I don't have much in F, but as soon as I'm out of IFT jail tomorrow I'm moving it to C or S. But which one .... Hm-m-m-m.

Lady

I'm going to jump on S 100%..but waiting for this next big bottom before I buy in..meanwhile, while these funds keep their little upward tilt..I won't buy in..end of next, maybe second week in June looks like it maybe the time.

 

[Steadygain]

Today the F Fund crossed its 200 day moving average to the negative side.

I don't have much in F, but as soon as I'm out of IFT jail tomorrow I'm moving it to C or S. But which one .... Hm-m-m-m.

Lady

Don't forget the MB policy:

Any major shift to C Fund is considered a tribute to Birchtree

 

[XL-entLady]

So as of COB yesterday:

G Fund is at its 14 day average, 0.2% above its 50 day average, and 1.0% above its 200 day average.
F Fund is 0.6% below its 14 day average, 0.8% below its 50 day average, and 0.1% below its 200 day average.
C Fund is 0.8% above its 14 day average, 0.1% above its 50 day average, and 1.2% above its 200 day average.
S Fund is 1.2% above its 14 day average, 2.3% above its 50 day average, and 4.3% above its 200 day average.
I Fund is 0.5% below its 14 day average, 0.4% below its 50 day average, and 1.9% above its 200 day average.

I currently have a 60/40 bonds to stocks ratio in my TSP. Earlier today I mentioned moving my F Fund to C or S. I've decided to move it to G. {sigh} :embarrest: I know it's chicken-hearted of me. But after today and for the next two weeks I'll be buried in a very time intensive project and I won't have time to keep my eye on the markets all the time.

I wish I could share what I'm going to be with all of you! It's going to be so interesting! But when I do these projects I have to sign confidentiality agreements. No, it's nothing secret-squirrel like NSA, it's business world related, but it's confidential nonetheless.

And for those of you who are wondering, no I'm not trying to have a fantasy life on a MB. I don't have a good enough memory to do anything except keep it real!:laugh:

Anyway, I'm going to try to sneak time to read the MB but I probably won't have the time to post. You all take care of yourselves while I'm gone!

Lady

 

[Steadygain]

One of my work projects is at critical mass and then over the weekend I got an SOS to lead another project that will put me into travel status starting this weekend and running for at least 2 weeks or longer - and lots of 14 hour days.
Lady

Wow - it seems like ages already.

Just in case you get a chance to check the MB - love to bike, buster, kar crazy, and a lot of others have been moping around and the rest of us are doing whatever we can to cheer them up.

Well, hope the flight was good and the job is going well.

I'll probably go 100% stocks Monday - depending on the rest of the week. Don't want to go in and have to wait for a bounce of 1% or better to break even. The bigger part of me feels another dive is likely - but timing wise seems good right now - so if we take a really good dive tomorrow I'll go in for the kill.

 

[XL-entLady]

I hope I have time to post this before I have to run. I was able to visit Ground Zero yesterday. 9/11. I want to share my "mom doesn't always know best" story with you. I'm so thankful, I've been so blessed.

Several years ago my son gets a job offer from Goldman-Sachs, it would be 6 months in NY and 6 months in Switzerland. He said he was going to turn it down and I went itzo! How could someone just out of college turn down an opportunity like that, etc, etc. He turned it down anyway to take a job with a local firm. That was in July of 2001. If he'd listened to his mother, he would have been in the South Tower of the World Trade Center on September 11.

Yesterday I stood looking at the memorials in St. Patrick's Church near the site and cried.

We are so blessed. As a nation. As a people. Our government, whichever part of it we think is the best - we have it, that's what matters.

Hug your family today for me. Love to you all,
Lady

 

[Timmie-O]

I hope I have time to post this before I have to run. I was able to visit Ground Zero yesterday. 9/11. I want to share my "mom doesn't always know best" story with you. I'm so thankful, I've been so blessed.

Several years ago my son gets a job offer from Goldman-Sachs, it would be 6 months in NY and 6 months in Switzerland. He said he was going to turn it down and I went itzo! How could someone just out of college turn down an opportunity like that, etc, etc. He turned it down anyway to take a job with a local firm. That was in July of 2001. If he'd listened to his mother, he would have been in the South Tower of the World Trade Center on September 11.

Yesterday I stood looking at the memorials in St. Patrick's Church near the site and cried.

We are so blessed. As a nation. As a people. Our government, whichever part of it we think is the best - we have it, that's what matters.

Hug your family today for me. Love to you all,
Lady

Amen. I'm glad your son took the other offer. Thanks for sharing your story. I enjoy reading your comments. You are a loverly lady.