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Posted on Saturday, 18th May 2019 by Dennis Damp

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Those approaching age 70 ½ and older are often perplexed about their Thrift Savings Plan RMD withdrawal options and how to efficiently manage the transaction’s proceeds. Some of the concerns are your TSP balance decreases with each withdrawal, annual income and taxes increase, and the earned income potential vanishes for the cash you now have […]

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Posted on Friday, 10th May 2019 by Dennis Damp

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I have two short updates to cover before starting Trust but Verify. First, Joe wrote after reading It’s Time to Get Real that you need to check your individual state’s document requirements when applying for the new REAL ID. Your State may require different forms of ID and residency documentation than what Pennsylvania requires. He […]

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Posted on Friday, 26th October 2018 by Dennis Damp

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Blue Cross Blue Shield (BCBS) is offering a new lower cost fee-for-Service Focus Plan in 2019. This article compares the BCBS Focus plan to the GEHA Standard plan. Many federal annuitants opt for a lower cost Federal Employee’s Health Benefit (FEHB) plan once they sign up for Medicare. The majority of FEHB plans waive many […]

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Posted on Saturday, 10th March 2018 by Dennis Damp

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I frequently listen to XM radio’s sixties on channel 6 while I’m out and about. Last week, on my way to my cardiologist’s office, they played The Beat Goes On by Sonny and Cher. I visualized Sonny and Cher on stage singing, “Drums keep pounding a rhythm to the brain La de da de de, […]

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Posted on Sunday, 3rd September 2017 by Dennis Damp

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The Federal Employees Health Benefits (FEHB) Open season runs from November 13 through December 11 of this year. The 2018 provider brochures should be uploaded soon and when they are released we will present a summary of the 2018 FEHB open season changes and premium increases. Hopefully, the premiums won’t skyrocket like they have and […]

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Posted on Wednesday, 19th July 2017 by Dennis Damp

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The 2018 COLA increase is projected to be approximately 2.1%.  The Senior Citizen’s League’s June 2017 report, “Based on consumer price index (CPI) data through April of 2017, TSCL estimates that the COLA for 2018 may be 2.1 percent — significantly higher than in recent years, which has averaged only 1% since 2012. This estimate […]

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Posted on Saturday, 15th July 2017 by Dennis Damp

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Kathleen, one of our retirement planning newsletter subscribers wasn’t able to suspend her FEHB coverage after signing up for a Medicare Supplement Plan earlier this year. There are specific requirements for suspending FEHB coverage. Basically, you can only suspend your FEHB coverage if you sign up for a Medicare Advantage Plan (Part C), TRICARE, TRICARE […]

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Posted on Friday, 2nd January 2015 by Cynthia Compton-Conley

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Why It’s Difficult to Hear in Large Rooms If you experience difficulty understanding speech in public areas, you will be happy to learn that there are several technologies that can enhance your ability to hear in these venues. These technologies are free as they are mandated by the Americans with Disabilities Act (ADA). Before discussing […]

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