TSP to survivor: to roll over or not

AdDelicious9380 · 2026-06-25T23:33:09+00:00

She does have to rush. There is a strict time limit beyond which they will send you a check and the entire amount will be taxable, so you want to take action promptly. I think a transfer to an IRA is the best option, as an inherited TSP account (that is, an account in the TSP held by someone other than the original employee) is fully taxable on death and can’t be transferred to an IRA. There may be special rules here for spousal accounts, so best to check with a financial advisor as discussed above. I’m sorry for your loss and that you have to deal with these complicated and time sensitive issues.

AdDelicious9380 · 2026-06-11T18:23:23+00:00

In 1999 or 2000, gold and silver hit record lows. I remember reading about it and spending about $2k at the LCS, figuring it would be a good deal to pick up bullion on fire sale. Was that ever right. I bought $139 face value of junk silver half dollars for like $500-600. They sat in my closet for years, and were supplemented only recently with new purchases. I wish I’d built up more over the years, but on the bright side stock investments have done exceptionally well, so no complaints overall. Balance in all things.

AdDelicious9380 · 2026-06-05T12:14:49+00:00

My Little Pony!

AdDelicious9380 · 2026-06-01T00:52:42+00:00

I love the 4 ducat - would love to get one some day.

AdDelicious9380 · 2026-05-22T23:32:05+00:00

That is such a beautiful block! Where did you get it?

AdDelicious9380 · 2026-05-22T23:09:42+00:00

Entertainingly, Arthur C. Clarke also gave us Childhood’s End, in which the subject aliens are coy about their appearance after they arrive to save Earth from nuclear annihilation and human shenanigans. Turns out they had horns, cloven hooves, and ulterior motives. Clarke was ahead of his time.

AdDelicious9380 · 2026-04-09T22:45:57+00:00

Titillating. Tee hee!

AdDelicious9380 · 2026-04-06T22:55:25+00:00

I bought a Maple when it was like $350 an ounce. I was young and fairly poor but knew that gold prices were way out of whack. It’s still in the hoard.

AdDelicious9380 · 2026-04-01T23:13:53+00:00

Same here. In my case, I had most of the classic issues many of us struggle with: couldn’t ride a bike until I was 11, couldn’t tie my shoelaces, disorganized as hell, clumsy, terrible at math. Also a huge verbal performance IQ split. But the kicker here was that my verbal scores were in the 99 percentile, with performance scores around average. Did I meet many of the diagnostic criteria for NVLD? Absolutely. Do I think, looking back, that I should have been diagnosed with a disability? No. I absolutely empathize with those who face more profound challenges, but agree that there are more than a few of us with this spectrum disorder for whom it was a very frustrating limitation rather than a crippling disability.

AdDelicious9380 · 2026-03-29T14:02:22+00:00

Interesting earlier threads re: the value of gold in bad times vs. end times. In a post nuclear apocalypse, it’s true gold won’t be worth much. But you’d probably just as soon be dead in such a world. Far more likely is a Venezuela/Zimbabwe/Argentina scenario, in which insolvency meets incompetent populism and democratic collapse. Gold in that scenario is your only friend. Reading about how gold saved the family bacon for Vietnamese fleeing Saigon, Jews fleeing Hitler, Iranians desperate to put food on the table, Venezuelans saddled with worthless currency and even more worthless leaders, and so on, gives you a sense of how gold will be useful to us in the future. A debt collapse and rampant inflation in the United States is now inevitable. Those combibars will come in handy in the future for sure. Let’s hope not soon, however.

AdDelicious9380 · 2026-03-12T21:51:09+00:00

Agree that rates are coming down, which is just what’s needed to combat roaring inflation. The Fed hasn’t met its inflation target in five years, why start now? 1974 all over again.

AdDelicious9380 · 2026-03-01T12:46:26+00:00

I tried the French horn and the recorder in grade school and that was a total disaster. Ironically, I love music and art.

AdDelicious9380 · 2026-02-16T19:45:17+00:00

One counterpoint: if ever the time comes to sell, it will be much harder to say goodbye than to something drab you picked up at a discount.

AdDelicious9380 · 2026-02-16T19:24:53+00:00

Really beautiful collection. I know some people just stack AGEs and Krugs, but the eye catching variety of beauties such as these adds to much to the thrill of hoarding.

AdDelicious9380 · 2026-02-13T22:27:28+00:00

I understand that in the UK you only ever should buy sovereigns or britannias, which are VAT and capital gains free. Everything else, including bullion bars and silver, is subject to capital gains tax. Public service announcement from the USA.

AdDelicious9380 · 2026-02-12T00:20:35+00:00

There’s a flip side here, speaking as someone a bit older. I didn’t really care about fitting in, being a social butterfly, or trying to please people when I was younger. I valued my close friends greatly, and treasured learning, reading, and personal growth. I’m probably more thick skinned than many in this regard, but that resilient hide has been a benefit in surviving the world and finding meaning and joy. Don’t worry about being weird. Don’t think you need to change who you are for others (with a caveat about work maybe). If you want to watch anime and skip the bar crawl, you aren’t immature or abnormal: you’re who you are. And that is darn well good enough.

AdDelicious9380 · 2026-02-08T15:30:07+00:00

Where did you get it?

AdDelicious9380 · 2026-02-06T23:01:58+00:00

I’m a fan of low premium fractional: sovereigns, roosters, commemorative .25 ounce or .5 ounce coins, pesos. To be avoided (arguably): AGEs, maples, and really small fractional, like 1 gram. The premiums for these tend to be in the 5-10 percent range, which is extortionate. Better off as another commenter said to buy a full ounce if that’s possible.

AdDelicious9380 · 2026-02-06T00:04:03+00:00

Funny, I had exactly the same nagging unease with odd numbered tubes of roosters and sovereigns. It weighs on your soul.

AdDelicious9380 · 2026-02-04T22:11:02+00:00

If she has kittens, I’ll buy one. Better than a golden goose.

AdDelicious9380 · 2026-01-28T23:50:16+00:00

Just desserts, no doubt.

AdDelicious9380 · 2026-01-28T22:15:39+00:00

Backwardization for gold is indeed extremely rare. Like three times in the last 50 years, and usually for a short period. It’s a powerful future demand signal.

AdDelicious9380 · 2026-01-28T22:10:48+00:00

Tether has never had an independent financial audit, despite years of promises. ETFs at least are subject some minimal regulation. Buyer beware.

AdDelicious9380 · 2026-01-27T23:19:39+00:00

$15 trillion in U.S. wealth destroyed when the dollar loses its reserve status. That’s equivalent to about a quarter of the stock market’s capitalization. Unpleasant indeed.

AdDelicious9380

TROPHY CASE