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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, 13 May 2013 15:49:49 +0000</lastBuildDate>
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		<title>Timing the market</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/13/timing-the-market/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/13/timing-the-market/#comments</comments>
		<pubDate>Mon, 13 May 2013 15:49:49 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[allocation]]></category>
		<category><![CDATA[C Fund]]></category>
		<category><![CDATA[G fund]]></category>
		<category><![CDATA[I Fund]]></category>
		<category><![CDATA[S Fund]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4368</guid>
		<description><![CDATA[Q. As precaution for what I thought was going to be a market decline, in December, I moved $350,000 out of my Thrift Savings Plan accounts from the C, S, and I fund (60 percent, 20 percent, 20 percent) to the G Fund. The end of the year came and went with no crash. The government [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Furlough and TSP hardship withdrawal</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/13/furlough-and-tsp-hardship-withdrawal/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/13/furlough-and-tsp-hardship-withdrawal/#comments</comments>
		<pubDate>Mon, 13 May 2013 15:38:35 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[furloughs]]></category>
		<category><![CDATA[TSP]]></category>
		<category><![CDATA[withdrawal]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4366</guid>
		<description><![CDATA[Q. I am facing furlough soon. I already have one Thrift Savings Plan loan. Can I withdraw money from my TSP on a hardship withdrawal basis because of the furlough? I realize, if I did, I would have to pay taxes on it, etc. A. The furlough alone does not qualify you for a hardship withdrawal. [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2013/05/13/furlough-and-tsp-hardship-withdrawal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TSP and annuities</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-and-annuities/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-and-annuities/#comments</comments>
		<pubDate>Mon, 13 May 2013 15:33:13 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[FERS]]></category>
		<category><![CDATA[interest]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4364</guid>
		<description><![CDATA[Q. I have been a federal employee for 27 years, just long enough to have been one of the first forced into FERS. About seven years ago, I looked at my Thrift Savings Plan statement and learned that the prediction was that if I retired at age 62 and bought an annuity, I would have [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-and-annuities/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TSP loan repayment and taxes</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-loan-repayment-and-taxes/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-loan-repayment-and-taxes/#comments</comments>
		<pubDate>Mon, 13 May 2013 15:26:00 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[loan repayment]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4361</guid>
		<description><![CDATA[Q. I borrowed $50,000 from my Thrift Savings Plan two years ago and have been paying it back biweekly. Will I be taxed on the money I borrowed? If so, when and how much? Also, I’m looking at retiring in three years. I will be 59 and have 33 years on the job. How much [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TSP</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-8/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-8/#comments</comments>
		<pubDate>Mon, 13 May 2013 15:21:59 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[CSRS]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[rollover]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[taxes]]></category>
		<category><![CDATA[TSP]]></category>
		<category><![CDATA[vested]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4359</guid>
		<description><![CDATA[Q. I am a fully vested CSRS employee with the Environmental Protection Agency for 33 years at age 55. I have received my numbers, but I missed my first date to retire. How long does it take to receive my first full check? Should I take all of my Thrift Savings Plan out at once; [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>TSP allocation</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-allocation-8/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-allocation-8/#comments</comments>
		<pubDate>Mon, 13 May 2013 15:14:07 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[allocation]]></category>
		<category><![CDATA[FERS]]></category>
		<category><![CDATA[I Fund]]></category>
		<category><![CDATA[L Fund]]></category>
		<category><![CDATA[mandatory retirement]]></category>
		<category><![CDATA[S Fund]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4357</guid>
		<description><![CDATA[Q. I’m 25 years old, series 1811 and have been contributing 5 percent into the Thrift Savings Plan (FERS) for three years. Until last week, I was contributing 100 percent into the L2040 fund, but now I’m doing 65 percent into the S Fund and 35 percent into the I Fund. Since I still have [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2013/05/13/tsp-allocation-8/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Survivor benefit vs. life insurance</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/09/survivor-benefit-vs-life-insurance/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/09/survivor-benefit-vs-life-insurance/#comments</comments>
		<pubDate>Thu, 09 May 2013 20:13:50 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[CSRS]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[survivor benefit]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4355</guid>
		<description><![CDATA[Q. I will be retiring at the end of this year with 37 years and 10 months of service. I am a CSRS employee and will be 57 years old in September. My annual annuity would be $81,958. I will have a little over $200,000 in my Thrift Savings Plan account. Is it smartest to take the [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2013/05/09/survivor-benefit-vs-life-insurance/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Required minimum distribution</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/09/required-minimum-distribution-5/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/09/required-minimum-distribution-5/#comments</comments>
		<pubDate>Thu, 09 May 2013 20:10:02 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[401(k)]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Required Minimum Distribution]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4353</guid>
		<description><![CDATA[Q. I have a 401(k), several CD IRAs and several mutual fund IRAs. I will turn 70 the end of November. Do I have to withdraw a minimum amount from each account, or can I withdraw the required minimum amount from one of the accounts as long as it totals the amount I must withdraw next [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2013/05/09/required-minimum-distribution-5/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Terminal cancer and TSP early withdrawal</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/09/terminal-cancer-and-tsp-early-withdrawal/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/09/terminal-cancer-and-tsp-early-withdrawal/#comments</comments>
		<pubDate>Thu, 09 May 2013 18:21:02 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[early withdrawal penalty]]></category>
		<category><![CDATA[life expectancy]]></category>
		<category><![CDATA[medical]]></category>
		<category><![CDATA[military]]></category>
		<category><![CDATA[separating]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4351</guid>
		<description><![CDATA[Q. I will most likely be medically separated from the military next year after 25 years of service.  I have bone cancer that is incurable but manageable — 50 percent life expectancy is 10 years. I am 47, so if I live 10 years, I would be 57 and still ineligible to withdrawal my Thrift Savings [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2013/05/09/terminal-cancer-and-tsp-early-withdrawal/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Involuntary retirement and early withdrawal penalty</title>
		<link>http://blogs.federaltimes.com/federal-money/2013/05/09/involuntary-retirement-and-early-withdrawal-penalty/</link>
		<comments>http://blogs.federaltimes.com/federal-money/2013/05/09/involuntary-retirement-and-early-withdrawal-penalty/#comments</comments>
		<pubDate>Thu, 09 May 2013 18:13:54 +0000</pubDate>
		<dc:creator>Mike Miles</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[annuity]]></category>
		<category><![CDATA[early withdrawal penalty]]></category>
		<category><![CDATA[lump-sum]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[TSP]]></category>

		<guid isPermaLink="false">http://blogs.federaltimes.com/federal-money/?p=4348</guid>
		<description><![CDATA[Q. I have been in the Foreign Service since 1986 and am being involuntarily retired for expiration of my time in class on Sept. 30, 2014. I will be 49 years old at the time. Even with an involuntary retirement, do I still get penalized for any lump-sum payment I take from the Thrift Savings [...]]]></description>
		<wfw:commentRss>http://blogs.federaltimes.com/federal-money/2013/05/09/involuntary-retirement-and-early-withdrawal-penalty/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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