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Thread: Cactus' Account Talk

  1. #325

    Default Re: Cactus' Account Talk

    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2022
    Past Returns:
    2019 27.97%, 2018 -3.36%, 2017 13.10%, 2016 -1.79%, 2015 8.71%,5Yr Avg 8.35%

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  3. #326

    Join Date
    Dec 2007
    Location
    inland Northwest
    Posts
    4,105

    Default Re: Cactus' Account Talk

    Quote Originally Posted by Cactus View Post
    Potential Drawbacks to the TSP

    Nothing in the article bothered me but your mileage may vary.
    Things to consider when you separate anyways.
    I had considered most aspects noted in that article, but one caught me unawares. subject of beneficiaries. My sibling and/or siblings' kids would get a large unexpected tax burden dumped on them if I still have a fair amount remaining in tsp at the time I go. Which means I will be thinking hard, very hard, about how much I want to risk leaving in tsp as I continue to get older post-retirement, , which will be here before I know it.

    Counterbalance-TSP is not subject to lawsuits and etc, IRA is. Article left out that upside to tsp. Not that I expect to get sued for anything, but ya never know....
    "life can only be understood backwards, but it must be lived forwards" - soren kierkegaard

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  5. #327

    Join Date
    Aug 2011
    Location
    Mississippi
    Posts
    284

    Default Re: Cactus' Account Talk

    Might be better to give the kids GPS coordinates to a few mason jars buried in the back yard.

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  7. #328

    Default Re: Cactus' Account Talk

    I was thinkin same thing Alevin. Dang...maybe pull out more than needed...or measure how much to draw each year before hitting the next tax band.

    RR,The Mason jar idea I not bad! lol... gold, silver.....robinhood account?
    Current 8-25-20=G100% // Prior: 8-24-20=C10-S25-G65//8-11-20=C10-S35-i5 //Chart Links=Page 241-242, posts#2892-2895/old charts @Page 215, #2575-76

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  9. #329

    Default Re: Cactus' Account Talk

    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2022
    Past Returns:
    2019 27.97%, 2018 -3.36%, 2017 13.10%, 2016 -1.79%, 2015 8.71%,5Yr Avg 8.35%

  10.  
  11. #330

    Default Re: Cactus' Account Talk

    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2022
    Past Returns:
    2019 27.97%, 2018 -3.36%, 2017 13.10%, 2016 -1.79%, 2015 8.71%,5Yr Avg 8.35%

  12.  
  13. #331

    Default Re: Cactus' Account Talk

    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2022
    Past Returns:
    2019 27.97%, 2018 -3.36%, 2017 13.10%, 2016 -1.79%, 2015 8.71%,5Yr Avg 8.35%

  14.  
  15. #332

    Default Re: Cactus' Account Talk

    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2022
    Past Returns:
    2019 27.97%, 2018 -3.36%, 2017 13.10%, 2016 -1.79%, 2015 8.71%,5Yr Avg 8.35%

  16.  
  17. #333

    Join Date
    Sep 2006
    Location
    Rocky Mountain High
    Posts
    6,751

    Default Re: Cactus' Account Talk

    Tea Party fanatics. Doesn't have a chance, hopefully.

    Quote Originally Posted by Cactus View Post
    Weatherweenie's Account Talk
    Expected retirement date: November 2023


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  19. #334

    Default Re: Cactus' Account Talk

    Never mind my rant. It was my mistake in calculation.

    I have more problems getting the data to line up these days with the new format of the TSP web site.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2022
    Past Returns:
    2019 27.97%, 2018 -3.36%, 2017 13.10%, 2016 -1.79%, 2015 8.71%,5Yr Avg 8.35%

  20.  
  21. #335

    Default Re: Cactus' Account Talk

    Speaking of changes to the TSP web site, did anybody else receive this notice:

    Easier login and more security for My Account

    You may notice some changes to your My Account login this fall. As a stronger layer of security against fraud [ https://www.tsp.gov/account-basics/p...ce=govdelivery ], all TSP participants will need to log in with a user ID and use a phone number for two-step authentication and other online requests.

    *Youll see these changes in My Account by late October.* If you already created a user ID and validated a personal phone number in My Account, you wont need to make any changes. Otherwise, youll see prompts for the steps you need to take when you log in to My Account.

    User IDs for all TSP participants

    *You must create a user ID for logging in to My Account. *This helps protect your account number. You can create a user ID thats easy for you to remember. If you do forget your user ID, youll be able to retrieve it online. And you can always create a new user ID in your My Account profile settings.

    Add and validate a phone number

    *You must add and validate a personal phone number in My Account. *This adds a stronger layer of security to your account. When you log in and request certain account transactions, youll choose to receive a one-time verification code by phone call or by text message. Youll then see a prompt to enter that code in your internet browser to verify your identity before you can access your account or continue with your transaction.

    You will no longer be able to use a validated email address to receive verification codes. You should *keep a personal email address on your TSP account* to continue receiving important TSP information that may affect your account.
    Allocations as of COB Dec 28 : 100% S. | Retirement Date:Dec 2022
    Past Returns:
    2019 27.97%, 2018 -3.36%, 2017 13.10%, 2016 -1.79%, 2015 8.71%,5Yr Avg 8.35%

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  23. #336

    Join Date
    Aug 2011
    Location
    Mississippi
    Posts
    284

    Default Re: Cactus' Account Talk

    Surely that's a misprint. Two-factor authentication has been enforced for a while now. They also give you the option of using an e-mail address instead of a phone number, but users complain that the e-mail option is often very slow. Using the text method to your telephone should be very quick. Lots of services are requiring log-ins like this these days. It's more trouble, but I suppose it keeps us from having to change passwords so often. Though, I can't recall the last time, if ever, I was prompted to change my TSP password.
    Scott Harrison
    Senatobia, MS

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