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Savings Bond Calculator & Treasury Direct Inefficiencies!

Posted on Thursday, 15th January 2026 by Dennis Damp

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When inflation raised its ugly head in May of 2022, I-Savings bonds were paying 9.62%. Many purchased these bonds to partially offset the near-zero interest rates they earned on their fixed income over the past decade. It is easy to set up an account, and currently, the I-Bond yield is 4.03%, including a .90% fixed […]

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Tax Forms Availability – What to Expect This Year

Posted on Friday, 9th January 2026 by Dennis Damp

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There is no escaping the reach of Uncle Sam; any income received is reported to both you and the IRS on your W-2s and 1099 forms, with few exceptions. Federal employees’ W-2s are sent out by their agency’s payroll department, or they can download copies from OPM’s Employee Express system.   Each year, I receive […]

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The 2026 Landscape: What to Expect and Outlook

Posted on Thursday, 1st January 2026 by Dennis Damp

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For those planning their retirement, it’s a good time to assess their financial situation, long before filing their retirement paperwork. Use our comprehensive Federal Employees retirement Planning Guide to establish realistic retirement target dates, track your annual and sick leave, review your retirement benefit options, and estimate your annuity and other income. Federal Pay Raise […]

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Long Term Care Insurance – Future Purchase Option

Posted on Friday, 12th December 2025 by Dennis Damp

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My wife and I enrolled in the Federal Long Term Care Insurance Program’s Future Purchase Option when it was first offered in the early 2000s. Our monthly premium for Mary was $35.59, and I was paying $37.98 for 5 years of coverage with a maximum lifetime benefit of $228,125. The daily benefit amount was $125. […]

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Open Season Coming to a Close – Last-Minute Checkup

Posted on Tuesday, 2nd December 2025 by Dennis Damp

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The open season for FEHB / PSHB health care plan changes will close on December 8th, this coming Monday!  There is still time to consider a change, and the following resources will help you through the expedited process. Review and Compare Use my comprehensive Open Season Selection Guide, articles I published, and related resources to […]

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I Rolled Over My TSP Account to an IRA – Should You?

Posted on Friday, 21st November 2025 by Dennis Damp

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I rolled over my traditional Thrift Savings Plan (TSP) to my personal Fidelity IRA last month. The TSP was established in 1987 concurrent with the Federal Employees Retirement System (FERS), and I retired in 2004 under the Civil Service Retirement System (CSRS), leaving me only 17 years to fund my TSP. There were many factors […]

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The 2026 FEHB & PSHB Open Season Selection Guide

Posted on Thursday, 6th November 2025 by Dennis Damp

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Open season runs from November 10th through December 8th. Tools are available to evaluate provider options, select your 2025 plan, and submit changes to OPM. Most FEHB plans will see benefit and rate changes for the upcoming year. Some plans are dropping out of the program, and others are changing their service areas or coverage […]

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Medicare & You 2026 – Significant Changes on the Way

Posted on Friday, 31st October 2025 by Dennis Damp

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This guide is worth the time and effort to review and learn about your exceptional Medicare benefits. From signing up, what Medicare covers, the various plan options to consider, and how to get help paying for your healthcare drug costs, to your rights and protections. Every year, Medicare sends out its “Medicare & You” pamphlet […]

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