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	<title>Ask The Experts: Money Matters</title>
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	<link>http://blogs.federaltimes.com/federal-money</link>
	<description>By Mike Miles</description>
	<lastBuildDate>Mon, 14 May 2012 17:19:21 +0000</lastBuildDate>
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		<item>
		<title>Paying off TSP loan after age 60</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/paying-off-tsp-loan-after-age-60/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/paying-off-tsp-loan-after-age-60/#comments</comments>
		<pubDate>Mon, 14 May 2012 17:19:21 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[TSP distribution]]></category>
		<category><![CDATA[TSP loan]]></category>
		<category><![CDATA[TSP withdrawal]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3061</guid>
		<description><![CDATA[Q. I have an outstanding Thrift Savings Plan loan, and I just turned 59. I plan to continue to work for some time. After age 59½, can I pay off this TSP loan from other personal funds, then immediately withdraw those funds from the TSP without penalty if I need them for other purposes? With [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Mortgage and retirement</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/mortgage-and-retirement/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/mortgage-and-retirement/#comments</comments>
		<pubDate>Mon, 14 May 2012 17:14:13 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[TSP]]></category>
		<category><![CDATA[withdrawal]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3059</guid>
		<description><![CDATA[Q. I plan to retire from the federal government in the near future (I will have 32 years). I wish to pay my house off ($74,000) with my Thrift Savings Plan earnings. Is this a good idea? The interest rate on my house is 5.75 percent, and I realize that 20 percent will be taxed [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TSP withdrawals and Social Security earnings test</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/tsp-withdrawals-and-social-security-earnings-test/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/tsp-withdrawals-and-social-security-earnings-test/#comments</comments>
		<pubDate>Mon, 14 May 2012 17:04:42 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[CSRS]]></category>
		<category><![CDATA[FERS]]></category>
		<category><![CDATA[lump-sum]]></category>
		<category><![CDATA[Social Security]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3057</guid>
		<description><![CDATA[Q. Do lump-sum Thrift Savings Plan withdrawals (either partial or full) that are made after retiring from FERS or CSRS count as wages for the Social Security earnings test? I found lots and lots of stuff saying TSP does not count as wages, but then also found something on the Social Security website that reads, [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/14/tsp-withdrawals-and-social-security-earnings-test/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Rolling VC into Roth TSP</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/rolling-vc-into-roth-tsp/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/rolling-vc-into-roth-tsp/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:53:38 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[CSRS]]></category>
		<category><![CDATA[Roth TSP]]></category>
		<category><![CDATA[TSP]]></category>
		<category><![CDATA[voluntary contribution]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3055</guid>
		<description><![CDATA[Q. I am a CSRS employee who is considering retirement in 2013. I have a Voluntary Contributions account and also contribute to the regular Thrift Savings Plan. If I open a new Roth TSP account, would I be able to roll over my Voluntary Contributions account into the Roth TSP at retirement? A. Based on [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/14/rolling-vc-into-roth-tsp/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Not a federal worker</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/not-a-federal-worker/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/not-a-federal-worker/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:44:51 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[C Fund]]></category>
		<category><![CDATA[G fund]]></category>
		<category><![CDATA[I Fund]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[S Fund]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3053</guid>
		<description><![CDATA[Q. Can you recommend some funds where a retiree could put his money if he is not a federal worker? A. Except for the G Fund, which is a cash equivalent that can’t be matched outside the Thrift Savings Plan (use a money market fund or equivalent interest bearing security with no risk of loss), [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/14/not-a-federal-worker/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Disability or 4 more years?</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/disability-or-4-more-years/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/disability-or-4-more-years/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:39:03 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Disability]]></category>
		<category><![CDATA[Postal Service]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3051</guid>
		<description><![CDATA[Q. I am four years away from retirement at the Postal Service. However I have Parkinson’s disease, and I don’t know if I can hang in there. Any advice on whom I can contact regarding my options and what is best? Disability or trying to hang in there until 2016? A. Continuing to work will [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/14/disability-or-4-more-years/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TSP vesting</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/tsp-vesting/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/tsp-vesting/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:30:43 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[annual leave]]></category>
		<category><![CDATA[FERS]]></category>
		<category><![CDATA[health care]]></category>
		<category><![CDATA[pension benefit]]></category>
		<category><![CDATA[Service Computation Date]]></category>
		<category><![CDATA[sick leave]]></category>
		<category><![CDATA[TSP]]></category>
		<category><![CDATA[vesting]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3049</guid>
		<description><![CDATA[Q. I am a FERS employee who did a one-year-and-one-day residency (366 days) at the Veterans Affairs Department. During this residency, I was a full-time (40-hour-a-week) employee receiving benefits (health care, annual leave, sick leave, etc.). However, I did not contribute to FERS or the Thrift Savings Plan during this year and my “term” of employment [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/14/tsp-vesting/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Why move IRA to TSP?</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/why-move-ira-to-tsp/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/why-move-ira-to-tsp/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:20:18 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[G fund]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3047</guid>
		<description><![CDATA[Q. In a May 6 column, you recommended moving my traditional IRA to my Thrift Savings Plan. Why? I am getting good performance from my traditional IRA portfolio. I am planning to retire between the end of this calendar year and the end of 2013. Tax rates are likely to increase next year. What will [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/14/why-move-ira-to-tsp/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Matching contributions for Roth TSP</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/14/matching-contributions-for-roth-tsp/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/14/matching-contributions-for-roth-tsp/#comments</comments>
		<pubDate>Mon, 14 May 2012 16:11:10 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[matching funds]]></category>
		<category><![CDATA[Roth TSP]]></category>
		<category><![CDATA[tax deferred]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3044</guid>
		<description><![CDATA[Q. If I contribute to the new TSP Roth, would I still receive the agency matching contributions? A. Yes, but the agency contributions go into your tax-deferred account.]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/14/matching-contributions-for-roth-tsp/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TSP withdrawal options</title>
		<link>http://blogs.federaltimes.com/federal-money/2012/05/09/tsp-withdrawal-options-5/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2012/05/09/tsp-withdrawal-options-5/#comments</comments>
		<pubDate>Wed, 09 May 2012 19:34:59 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[G fund]]></category>
		<category><![CDATA[law enforcement officer]]></category>
		<category><![CDATA[lump-sum]]></category>
		<category><![CDATA[mandatory retirement]]></category>
		<category><![CDATA[one-time partial]]></category>
		<category><![CDATA[TSP]]></category>
		<category><![CDATA[withdrawal]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=3042</guid>
		<description><![CDATA[Q. As a federal law enforcement officer facing mandatory retirement in 2013, I have been looking closely at my Thrift Savings Plan withdrawal options. When I retire and I leave my complete TSP balance in the G Fund, can I request withdrawals whenever I want and for whatever amount I want? I see that there [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2012/05/09/tsp-withdrawal-options-5/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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