BirthdayCake

 

I recently received my annual Domain Name Bill, which reminds me that GubMints.com is now a petulant 2 Year Old!

Year 2 was a change – A new job (private sector) has kept me quite busy.  My Quality of Life has increased as my commute time has been reduced by ~10 hrs per week.

The new gig has removed me from some ‘water cooler’ discussions regarding Fed Benefits that I was more engaged in during Year One, but I still keep an eye on things, as

  1. Federal Travel Regulations affect all of us, and
  2. I am a Deferred FERS Retiree who still keeps watch over TSP and FERS issues like a hawk (again, don’t ask me about CSRS- If you’re retired on CSRS you’ve won the equivalent of the lottery- You should be doing donuts in your Ferrari around the 18th green every day of the week, and twice on Sunday).

So in retrospect, here’s some of my favorite posts from Year Two:

DoD Immediate Retirement Pay – a Wolf in 72(t)’s Clothing

DoD proposed an immediate retirement option that eerily resembles the 72(t) option to withdraw from an IRA.  I think it’s a raw deal.
Who Wants to be a TSP Millionaire? 

There are a handful of TSP Millionaires out there.  Some made it by rolling-in a windfall from their Private Sector career, but some earned it the good-old-fashioned way.  It’s good to hear stories about Federal Employee ‘Turtles’ who were able to win the Retirement Race.

6 Ways to make the Credit Card Company your Poodle

This is how I roll with Credit Cards.  If you pay your bills on time, the Banks who issue Credit Cards hate you with a passion and call you a ‘Deadbeat’ behind your back.  Use my techniques to Stick It to your Megabank.
PlanSmartChoice – A Flawed FEHB Open Season Analysis Tool

PlanSmartChoice is a good place to start when looking at FEHB plans, but there is a darn good reason that over 40 percent of Feds use one of the ‘Blues’ for their Health Plan.
ObamaCare – Veterans Should not Apply

This is the third update to my first post regarding ObamaCare.  The DoD finally issued some guidance in telling its active, retired, and reserve service members that TriCare meets the ‘Minimum Essential Coverage’ requirement, and that TriCare is an alternative to your state’s local ObamaCare exchange.

Hope you’ve enjoyed the Second Act – Let me know what topics you’re interested in using the Comments or Contact section!

 

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Land Mines to avoid when leaving an HSA

Here’s an update to one of my more popular posts regarding Veterans and ObamaCare.

As of 2014, the Affordable Care Act (ACA), aka ObamaCare (I will use the more popular nickname for the rest of the article) is being listed as an option on the military’s Tricare website.

There’s no neon sign at the top of the Tricare page alerting you to this fact. It’s not listed as a disclaimer, waiver, footnote, or disclosure on the page. You have to read between the lines and click around to figure this out.

On Tricare’s page about ObamaCare, it states that any of the Tricare plans (plus the ‘US Family Health Plan’) meets the Obamacare ‘Minimum Essential Coverage’ standard as of 2014. In other words, if you’re enrolled in one of the Tricare plans, you ‘don’t need to take any action at this time’.

For those who feel like they need to dig deeper (and I always do), there is yet another link on the right to the ‘Tricare and the Affordable Care Act’ Fact Sheet , which states (last paragraph):  Continue reading


Happy New Year!  It’s time to make some predictions for 2014 that affect Federal Employees and Veterans.

1. Feds, You’ll get your 1% raise, (if you’re still working). 

2. Then again, maybe you won’t.  
There’s no guarantee there won’t be another round of furloughs this year once the Defense Service Chiefs figure out they are going to run out of ‘Gas Money’ by August.