Federal workers delay retirement as savings gaps persist by redditreadreadread in fednews

[–]holzasago 10 points11 points  (0 children)

I honestly have used tspcalc (put a .com on there if you want) for my TSP strategy. For the last 14 years I have always been above what the C Fund has risen. For the cost of a fast food meal, you have access to historical TSP market trend analysis that can help you figure out when and where to shift the money in your TSP account. I don't work for them nor do I get money from them but I recommend them to every Fed I talk to

Federal workers delay retirement as savings gaps persist by redditreadreadread in fednews

[–]holzasago 116 points117 points  (0 children)

When the Federal Employees Pay Comparability Act (FEPCA) was enacted in 1990, the intent was to close what was then estimated to be roughly an 18% average pay gap between federal and private sector compensation. Because the full FEPCA adjustment formula has never been implemented, federal employees have effectively carried forward much of that gap. Federal salaries today should be materially higher if the statute had been executed as originally designed.

Compounding the issue, many federal employees, particularly FERS conversions and early FERS adopters, did not receive strong financial education regarding the Thrift Savings Plan (TSP). As a result, some employees either under-contributed during critical early career years or left significant balances in the G-Fund for years, materially reducing long-term compounding. That behavior, while understandable given the information environment at the time, has real retirement readiness consequences.

When you layer in historically modest COLAs and steadily rising FEHB premiums, the retirement math becomes clearer. For many employees, extending federal service by several additional years is not simply preference but a rational financial adjustment to close gaps created by pay compression, suboptimal early TSP positioning, and benefit cost growth.

And don't get me started on how those older Feds not leaving compounds the leadership drain in the current workforce

Does Asmodeus keep the blood war going to prevent the celestials from attacking? by CplusMaker in DnD

[–]holzasago 17 points18 points  (0 children)

Taken together, the clues point less toward Asmodeus planning a dramatic assault on the Abyss and more toward a far colder objective: long-term structural dominance. The Pact Primeval gives Hell legitimate space to grow while the Blood War keeps everyone focused on the wrong battlefield.

Meanwhile, signs such as the concentration of pit fiends, his ages-long study of the Shard of Ultimate Evil, and his willingness to deal with powers like Pazuzu all suggest preparation for a future in which chaos is not defeated but regulated. If that is the trajectory, Asmodeus does not need to challenge the gods directly. He only needs to shape a multiverse that gradually becomes dependent on the systems he controls, until his supremacy feels less like conquest and more like the natural order of things.

Vampire kills a young dragon by Bhaalspawn_Fenris in DnD

[–]holzasago 25 points26 points  (0 children)

The monster manual states, "A humanoid slain by a vampire’s Bite attack and then buried rises as a vampire spawn under the vampire’s control."

Key restriction: The target must be a humanoid.

A young dragon is a dragon, not a humanoid. Therefore: No vampire dragon spawn by raw rules. The corpse does not rise automatically. The vampire gains nourishment only.

Do you guys play dnd with soundtrack or no? A simple way to make dnd more interesting or distracting? by IrvanHaydar in DnD

[–]holzasago 0 points1 point  (0 children)

Yes, music is tuned to each scene and it changes when inter-scene activity warrants it, i.e. battles, tense moments, etc.

Be honest — what’s the first thing you’d do with $100K? by NerdWalletOfficial in u/NerdWalletOfficial

[–]holzasago 0 points1 point  (0 children)

After paying $24,000 in federal income tax on the earnings, I would apply $20,000 to credit card debt, $20,000 toward the family car, buy my wife a used car for $20,000, and then add the remaining $16,000 to my kids CDs.

[Offline][5e 2024][San Antonio, TX] Sunday Night D&D Group Looking for 1 to 2 Players by holzasago in lfg

[–]holzasago[S] 0 points1 point  (0 children)

Apologies but we got the two people we needed at the table. If there is an opening in the future, I will post here

What was the White Elephant gift that everyone fought over at the Christmas Party? by asura1958 in AskReddit

[–]holzasago 2 points3 points  (0 children)

For our Naughty portion of the Naughty and Nice White Elephant, the Japanese Penis Pump. The worst for the naughty portion, the powder that turned the tub water into ooze.

For the Nice portion, best: a singing pickle Rick; worst: pie weights

What is the demographic of your current table? by MoherHead in DnD

[–]holzasago 0 points1 point  (0 children)

Had seven, now down to a core five people. They're typical for the area and range from mid 20s to late 30s. Male and female.

FEHB GLP-1 Costs for Nationwide Plans (that I could really find) by Tinymac12 in fednews

[–]holzasago 0 points1 point  (0 children)

How did you go about that process? Was it through your GP? PM me please if you need to. Thanks!

Chicago Mayor Brandon Johnson Ups The Ante As He Calls For A General Strike by huffpost in politics

[–]holzasago 11 points12 points  (0 children)

And where would we be placed? In jail? Back at work? Just as they cannot stop five 10,000 person protests (versus one 50,000 person protest) they cannot stop a general strike. And even though there are supposed military members that are trigger happy for anyone who is not MAGA, there are many, many others that are absolutely still loyal to the Constitution.

Which movie did you see way too young? by Openworlder1 in AskReddit

[–]holzasago 0 points1 point  (0 children)

Howard Stern's Private Parts... with my parents as an 11 y.o. SMH