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Old 12-19-2012, 05:43 PM   #1
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Retirement Funds

As of Nov '11,started withdrawing from TSP; as of Oct '12 started withdrawing from SSA.
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Old 12-19-2012, 06:05 PM   #2
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Khan, it's good to have you back. We missed you for the past 3 months. Hope all is well.
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Old 12-19-2012, 06:15 PM   #3
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$13K for teeth, 1K for cat; always maintain your emergency account.
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Old 12-19-2012, 06:18 PM   #4
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Welcome back, Khan! That must be some pretty extensive dental work. I am having an implant done.
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Old 12-19-2012, 06:42 PM   #5
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Welcome back, Khan.
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Old 12-19-2012, 06:46 PM   #6
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Welcome back, Khan! That must be some pretty extensive dental work. I am having an implant done.
+1 on the welcome back to Khan.

Many hopes that both Khan's and W2R's dental work is going or went well. My SO is over a year into what seems to be an implant saga with no end and just came home with a toothache on the other side of her head last night. I think I'll go brush again right now.
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Old 12-19-2012, 06:49 PM   #7
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Welcome back, Khan! That must be some pretty extensive dental work. I am having an implant done.
13 crowns, $1K each.
This growing old is a total pain.
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Old 12-19-2012, 06:50 PM   #8
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And $1K for cat thyroid surgery.
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Old 12-19-2012, 07:12 PM   #9
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Ouch! Speaking of dental stuff...I need a root canal & crown right now. I'm trying to hold out till the first of the year because my new dental insurance doesn't kick in until January 1st. That will cut the cost in half for both procedures, and then I can get a few other things done throughout the year. Having said that, I'm not sure I can make it till January. The tooth in question wasn't actually hurting previously, but now it's starting to throb a little here & there, especially noticeable at night & when I drink something cold. Also, I'm having to eat only on one side of my mouth, lol. Hope I make it till January!
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Old 12-19-2012, 07:16 PM   #10
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As of Nov '11,started withdrawing from TSP; as of Oct '12 started withdrawing from SSA.

I'm getting close to the time when I'll start drawing some from my TSP. I haven't retired yet, but am thinking more & more about it every day. I had a pretty good year in the TSP, and have more now than I expected at this time. Still down from my target from 4 years ago, but this year really helped. Since I'm CSRS, there will be little SSA for me. Not zero, but not much.
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Old 12-20-2012, 09:59 AM   #11
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Zero SSA for me, but CSRS is OK. Been drawing down TSP for 4 years now but slowly, it is higher than when I started (not inflation adjusted). Some gets reinvested after tax so withdrawals are just part of tax planning to lessen impact of mandetory distribution in the future.
For $13K might have the work done in some medically safe but otherwise exotic foreign location and got a trip ot of it as a bonus.
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Old 12-20-2012, 10:06 AM   #12
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Ouch! Speaking of dental stuff...I need a root canal & crown right now. I'm trying to hold out till the first of the year because my new dental insurance doesn't kick in until January 1st. That will cut the cost in half for both procedures, and then I can get a few other things done throughout the year. Having said that, I'm not sure I can make it till January. The tooth in question wasn't actually hurting previously, but now it's starting to throb a little here & there, especially noticeable at night & when I drink something cold. Also, I'm having to eat only on one side of my mouth, lol. Hope I make it till January!
Sorry to hijack the original thread. I am not a dentist, but have had my share of root canals. The pain is most likely from an infection in the root of the tooth. Your dentist will probably want you to be on antibiotics for a few days before the root canal. You could try to see your dentist now and get the antibiotics started, then you can have the root canal early in 2013. Once the antibiotics start working the pain should largely go away for a few days.
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Old 12-20-2012, 10:20 AM   #13
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Ouch! Speaking of dental stuff...I need a root canal & crown right now. I'm trying to hold out till the first of the year because my new dental insurance doesn't kick in until January 1st. That will cut the cost in half for both procedures, and then I can get a few other things done throughout the year. Having said that, I'm not sure I can make it till January. The tooth in question wasn't actually hurting previously, but now it's starting to throb a little here & there, especially noticeable at night & when I drink something cold. Also, I'm having to eat only on one side of my mouth, lol. Hope I make it till January!
Wow, that's a lot of crowns, I've had about 5, but I spaced them out so one a year. I had a tooth break which started things out and my dentist then methodically did crowns on teeth with big amalgum fillings that had cracks. I'm not sure how much was really necessary, but as one had broken I went with it. My mouth now looks a lot nicer.
I just had a root canal on a tooth with a crown on it. I though I'd have to pay 20% of the cost, but amazingly the endodontist receptionist checked with Cigna and it was 100% covered. However, I then had to go back to my regular dentist to get a permanent filling and that was only 25% covered, go figure, so total out of pocket cost was a couple of hundred, not bad in the end and my tooth and gum feels great.

The actual root canal wasn't painful at all, it was just uncomfortable having to keep my mouth open and deal with the dental dam.
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Old 12-20-2012, 04:37 PM   #14
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$13K for teeth, 1K for cat; always maintain your emergency account.
Good to hear from you Khan.

At least you won't have any worries about biting your own butt after all that dental work.

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Red Sox rookie Clarence Blethen thought he looked older and meaner if he took his false teeth out when he pitched. He forgot to put them back in his mouth when he was batting. While sliding into second base to break up a double play, his own teeth bit himself in the butt.
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Old 12-20-2012, 06:13 PM   #15
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And $1K for cat thyroid surgery.
I'm glad to hear that your cat is still alive. As I recall, he/she is getting pretty old, and you were waiting until your cat passed away before possibly moving.
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Old 12-20-2012, 06:59 PM   #16
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I'm glad to hear that your cat is still alive. As I recall, he/she is getting pretty old, and you were waiting until your cat passed away before possibly moving.
Cat is 14, is going to live to be 20 just to spite me.
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Old 12-20-2012, 08:48 PM   #17
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Cat is 14, is going to live to be 20 just to spite me.
Probably so! I'm sure you love that cat anyway, though.
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Old 12-21-2012, 07:44 AM   #18
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Hi Khan, Did you have dental coverage? I know it doesn't pay much for crowns (FEDVIP). I haven't touched my SS or TSP yet. I can't seem to get out of "saving for retirement" mode. I'm just living off the little FERS I get and my husband's contribution.

Thinking about TSP in the withdrawal phase gives me a headache. Not many options there. I think they want people to take it elsewhere or annuitize it.
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Old 12-21-2012, 01:23 PM   #19
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<snip>

Thinking about TSP in the withdrawal phase gives me a headache. Not many options there. I think they want people to take it elsewhere or annuitize it.
I think the monthly w/d is very good. keep in mind that is considered "full" w/d; that is, the only other thing (other than change amt every yr) you can do is withdraw from the plan
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Old 12-21-2012, 06:12 PM   #20
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I think the monthly w/d is very good. keep in mind that is considered "full" w/d; that is, the only other thing (other than change amt every yr) you can do is withdraw from the plan
Yep, monthly withdrawals adjusted once a year works fine for me. I did do the one time rollover to an IRA with Wells Fargo, about 1/3 of the initial amount in the TSP. With that I get some asset classes not available in the TSP (REITs, foreign bonds) and I can access that account if I needed immediate funds not covered by the monthly withdrawals from the TSP and I convert small amounts to a Roth IRA annually.
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