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12-19-2012, 04:43 PM
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#1
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Gone but not forgotten
Join Date: Aug 2006
Posts: 6,924
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Retirement Funds
As of Nov '11,started withdrawing from TSP; as of Oct '12 started withdrawing from SSA.
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
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12-19-2012, 05:05 PM
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#2
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Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Join Date: Jul 2006
Posts: 11,401
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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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12-19-2012, 05:15 PM
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#3
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Gone but not forgotten
Join Date: Aug 2006
Posts: 6,924
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$13K for teeth, 1K for cat; always maintain your emergency account.
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
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12-19-2012, 05:18 PM
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#4
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,474
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Welcome back, Khan! That must be some pretty extensive dental work. I am having an implant done.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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12-19-2012, 05:42 PM
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#5
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Thinks s/he gets paid by the post
Join Date: Sep 2010
Location: midwestern city
Posts: 4,061
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Welcome back, Khan.
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Very conservative with investments. Not ER'd yet, 48 years old. Please do not take anything I write or imply as legal, financial or medical advice directed to you. Contact your own financial advisor, healthcare provider, or attorney for financial, medical and legal advice.
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12-19-2012, 05:46 PM
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#6
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Full time employment: Posting here.
Join Date: Apr 2006
Posts: 969
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Quote:
Originally Posted by W2R
Welcome back, Khan! That must be some pretty extensive dental work. I am having an implant done.
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+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.
__________________
If there's one thing in my life that's missing; It's the time I spend alone
Sailing on the cool and bright clear waters; There's lots of those friendly people
Showin me ways to go; And I never want to lose your inspiration
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12-19-2012, 05:49 PM
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#7
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Gone but not forgotten
Join Date: Aug 2006
Posts: 6,924
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Quote:
Originally Posted by W2R
Welcome back, Khan! That must be some pretty extensive dental work. I am having an implant done.
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13 crowns, $1K each.
This growing old is a total pain.
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
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12-19-2012, 05:50 PM
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#8
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Gone but not forgotten
Join Date: Aug 2006
Posts: 6,924
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And $1K for cat thyroid surgery.
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
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12-19-2012, 06:12 PM
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#9
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Location: Bossier City
Posts: 2,183
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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!
__________________
“Change is the law of life. And those who look only to the past or present are certain to miss the future.”
-John F. Kennedy
“Hard work never killed anybody, but why take a chance?” - Edgar Bergen
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12-19-2012, 06:16 PM
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#10
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Thinks s/he gets paid by the post
Join Date: Nov 2006
Location: Bossier City
Posts: 2,183
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Quote:
Originally Posted by Khan
As of Nov '11,started withdrawing from TSP; as of Oct '12 started withdrawing from SSA.
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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.
__________________
“Change is the law of life. And those who look only to the past or present are certain to miss the future.”
-John F. Kennedy
“Hard work never killed anybody, but why take a chance?” - Edgar Bergen
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12-20-2012, 08:59 AM
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#11
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Thinks s/he gets paid by the post
Join Date: Jul 2003
Location: Pasadena CA
Posts: 3,341
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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.
__________________
T.S. Eliot:
Old men ought to be explorers
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12-20-2012, 09:06 AM
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#12
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Recycles dryer sheets
Join Date: Oct 2011
Posts: 107
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Quote:
Originally Posted by martyb
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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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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12-20-2012, 09:20 AM
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#13
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Thinks s/he gets paid by the post
Join Date: Feb 2006
Posts: 4,872
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Quote:
Originally Posted by martyb
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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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.
__________________
“So we beat on, boats against the current, borne back ceaselessly into the past.”
Current AA: 75% Equity Funds / 15% Bonds / 5% Stable Value /2% Cash / 3% TIAA Traditional
Retired Mar 2014 at age 52, target WR: 0.0%,
Income from pension and rent
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12-20-2012, 03:37 PM
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#14
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Administrator
Join Date: Jul 2005
Location: N. Yorkshire
Posts: 34,056
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Quote:
Originally Posted by Khan
$13K for teeth, 1K for cat; always maintain your emergency account.
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Good to hear from you Khan.
At least you won't have any worries about biting your own butt after all that dental work.
Quote:
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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__________________
Retired in Jan, 2010 at 55, moved to England in May 2016
Enough private pension and SS income to cover all needs
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12-20-2012, 05:13 PM
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#15
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,474
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Quote:
Originally Posted by Khan
And $1K for cat thyroid surgery.
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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.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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12-20-2012, 05:59 PM
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#16
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Gone but not forgotten
Join Date: Aug 2006
Posts: 6,924
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Quote:
Originally Posted by W2R
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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Cat is 14, is going to live to be 20 just to spite me.
__________________
"Knowin' no one nowhere's gonna miss us when we're gone..."
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12-20-2012, 07:48 PM
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#17
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Moderator Emeritus
Join Date: Jan 2007
Location: New Orleans
Posts: 47,474
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Quote:
Originally Posted by Khan
Cat is 14, is going to live to be 20 just to spite me.
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Probably so! I'm sure you love that cat anyway, though.
__________________
Already we are boldly launched upon the deep; but soon we shall be lost in its unshored, harbourless immensities. - - H. Melville, 1851.
Happily retired since 2009, at age 61. Best years of my life by far!
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12-21-2012, 06:44 AM
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#18
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Thinks s/he gets paid by the post
Join Date: Jul 2004
Posts: 1,428
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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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12-21-2012, 12:23 PM
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#19
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Recycles dryer sheets
Join Date: Sep 2012
Location: Rochester, NY
Posts: 144
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Quote:
Originally Posted by Tadpole
<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.
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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
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12-21-2012, 05:12 PM
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#20
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Thinks s/he gets paid by the post
Join Date: Jul 2003
Location: Pasadena CA
Posts: 3,341
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Quote:
Originally Posted by drb391
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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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.
__________________
T.S. Eliot:
Old men ought to be explorers
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