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Request Your 2025 Retirement Benefits Booklet from OPM

Posted on Friday, 16th May 2025 by Dennis Damp

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If you haven’t already, it’s time to order this year’s annuity booklet at OPM Services Online. The 2025 booklets are available for download, and a copy will also be sent via regular mail if requested. I order a new copy each year; it is 28 pages long and outlines all of your benefits, annuity information, […]

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Projected Annuity Calculator Updates for FERS and CSRS

Posted on Friday, 9th May 2025 by Dennis Damp

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Our updated Excel annuity calculator spreadsheet projects your annuity and maximum survivor benefit growth through 2065 using an estimated average annual Cost of Living Adjustment (COLA). Frank Cullen, an old friend who retired from federal service many years ago, developed this calculator. In the following sample chart, the retiree’s annuity increased 75% over the next […]

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Potential Benefit Cuts – It’s Not Time to Panic

Posted on Thursday, 17th April 2025 by Dennis Damp

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Federal employees and annuitants wait in the wings with each new Congress for the next shoe to drop. Federal employees fear their benefits are going to be cut! Most of the time, these rumors are unfounded and go by the wayside. It may be different this time around. With the House and Senate passing the […]

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Retirement Investments – Down but Not Out

Posted on Friday, 4th April 2025 by Dennis Damp

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Please forward this to others that may find this informative. Sign up to receive our free e-mail newsletter. I wrote a version of this article in April 2022, and with the market sell-off, it’s a good time to revisit this subject. It’s impossible to time the market. One of the financial advisers I talked with […]

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Common Sense Prevails – Agency Heads Take Control

Posted on Friday, 7th March 2025 by Dennis Damp

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In last week’s article, I said, “DOGE is moving too far and fast, as evidenced by the chaos surrounding it,” and further stated, “They should allow each agency head to work within their organizations to streamline if needed.” Someone in the administration read my last article! Actually, the President’s cabinet and many others were complaining […]

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(NEW) OPM Requesting Weekly Email Accomplishments!

Posted on Saturday, 1st March 2025 by Dennis Damp

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Two million federal employees received another email from OPM Friday evening requesting they reply with a list of last week’s accomplishments. The email states, “Going forward, please complete the above task each week by Mondays at 11:59 p.m. ET.” After reviewing the first memo, many agencies advised their staff not to reply; they handle these […]

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Dissecting DOGE – Purpose & Process Explained

Posted on Friday, 28th February 2025 by Dennis Damp

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The Department of Government Efficiency (DOGE) was established by Executive Order (EO) 14158 on January 20, 2025. The EO aims to “establish the Department of Government Efficiency to implement the President’s DOGE Agenda by modernizing Federal technology and software to maximize governmental efficiency and productivity.” DOGE is a temporary organization headed by the United States […]

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Many CSRS Retiree’s Social Security Checks Increasing Soon

Posted on Wednesday, 26th February 2025 by Dennis Damp

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The Social Security Fairness Act repealed the windfall elimination provision and the government pension offset last November, and impacted CSRS retirees are waiting for their Social Security checks to increase. You are eligible for Social Security benefits if you accrued 40 quarters (10 years) of employment where Social Security payments were withheld. The Windfall Elimination […]

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