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06 here. Still active trying to get to 30 years of service (2021). For your life insurance don't wait to increase as premium will be higher as you age. Try to get a term that will get you to at least 65 years old, then self insure after with TSP and SS, etc. Essentially if something should...

Maybe they suspect you be a card hacker? I believe that is the term used for an individual who get a credit card just to earn points or discounts and they paid off the balance each month so the credit company does not make money off of them.

Yes. I appreciate the advice

Thank you much for this.

Hi everyone, I have 3 years to go til 30 years of service (AD) and looking at a new business venture with my sister. We want to start a relocation business serving Ghana. We are talking to several US companies look to send people there for short term work. My sister lives in DC and I am...

We also live in Frederick MD and taxes here is outrageous. We too have plans to move upon retirement in 4 years.

Also check out blinq.com for phones. So much cheaper and comes with warranties

Sorry...speed typing leads to typos... Sorry. Meant to say you get a discount with carriers if you owe your phone out right and no need for expensive contract.

Buy direct direct from Google (Nexus or Pixel) and you won't have to worry about using it over seas or being pushed advertisement or apps you don't want. These phones come unlocked and "virgin". This means you can use with any carrier and when updates come out, you get it without the carrier or...

Sorry profit sharing is distributed as bonuses. He contributes max + company match 12% of salary

Sorry, he max out + company does 12% match of his salary

Perfect sharing, max + agency match

OMG...Thank you do much for this.. It's right on and Super helpful.

Well it stated 'and' not 'or' so I assume that if I retire at 52, I need to make the 360 payment before it's paid up?

Thank you for your input. Greatly appreciate it...It seem like such a unnatural thing to do..Making the decision to not do something a lot of people are doing...It just makes you second guess yourself. I think financially, we don't need it but we want to make sure and examine all...

Mmm. The NMF guy is the one who suggested that we may not need it. Between my TSP, SS and his 401k, we would be covered (together will bring more than our expense of 9k/mth). I am thinking perhaps putting in the $540/mth for SBP in an investment acct. If I die before 65, with my life...

Very sad..Thanks for sharing

Braumeister, thank you for the link...Why did you skip it?

So it does not include SS..Plan to take it at 70 and husband may take his at 67.

Thanks HawkeyeNFO. Is the only reason you are leaning toward no SBP, the cost? What are your plans that will support no SBP? just trying to see what others are doing..

We spoke to an advisor and he thinks we may not need it...Said that if we don't touch my TSP and SS until I am 70.5 ..Both would provide the same amount that SBP would if I die after 70. As my life insurance of 500k expires at 65...I worry about the time from 65-70. He said if I die between...

Thank you..Very informative

Thanks. This is what we thinking to do..Invest the money for him...And if he dies not need it ..It can go to kids.

Greetings to everyone, I am a female officer (06 CAPT) and plan to retire 2021 (30 years of service and would be 52 at that time). Upon my retirement, my husband will continue to work until he is 59.5. I attended a pre-retirement seminar and am more confused about Survivor Benefit Plan (SBP)...

so our plan to split it--one wait until 70 and the other take at 62 is good..right. my DH will get 55% of my pension for life if i upon my death. so taking the higher SS should help with the gap.