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Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Annual leave is subject to supervisor approval and may be denied subject to agency staffing needs. 

Even if your supervisor approves the almost three months leave, I don't see how it maximizes your income compared to an end-of-year payout. You'd have to start your 448 hours of leave five weeks before the end of the year (use or lose) and could only extend your service into the next year by 240 hours. The additional bump to your pension is too small to catch up to the additional 208 hours payout you can take as a lump sum if you work to the very end. 

Of course, in taking the leave, you start your retirement five weeks earlier. You'll have less money, but maybe that's worth it.

On Tue, Feb 28, 2023 at 5:31 AM Dave in Dallas <datruedave+GroupsIO@gmail.com> wrote:
What are they going to do, fire you?  Leave is a right, not a privilege.

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Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

What are they going to do, fire you?  Leave is a right, not a privilege.
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Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

So how often do supervisors say, "Sure, take the next three months off, I'll see you on your last day"?

On Sun, Feb 26, 2023, 10:36 AM Dave in Dallas <datruedave+GroupsIO@gmail.com> wrote:
On Sat, Feb 25, 2023 at 01:40 PM, MD2018 wrote:
Well if you don't take annual leave your last year you could get paid for 448 hours of leave in cash. For some people depending on your pay rate that could be close to $30,000. And considering you might have earned the 240 carryover at a much lower rate. 
Yeah, like I said, I totally understand if someone needs a chunk of change to assist with the transition to retirement.  But those 448 hours would be worth a bit more if you took almost six pay periods off work instead of cashing them out.  Nearly 3 months of service that counts towards your retirement (plus free Agency matching TSP contributions, more leave earned, etc...).  I guess if you're planning on retiring at the end of the year, you should consider the fact that you can sell your leave back after a pay raise, where you wouldn't be able to use all those days after the pay raise.  But I'd rather have a few extra bucks coming to me forever, than just one time.  A few extra months of service seems to me to be the gift that keeps on giving. 

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Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

On Sat, Feb 25, 2023 at 01:40 PM, MD2018 wrote:
Well if you don’t take annual leave your last year you could get paid for 448 hours of leave in cash. For some people depending on your pay rate that could be close to $30,000. And considering you might have earned the 240 carryover at a much lower rate. 
Yeah, like I said, I totally understand if someone needs a chunk of change to assist with the transition to retirement.  But those 448 hours would be worth a bit more if you took almost six pay periods off work instead of cashing them out.  Nearly 3 months of service that counts towards your retirement (plus free Agency matching TSP contributions, more leave earned, etc...).  I guess if you're planning on retiring at the end of the year, you should consider the fact that you can sell your leave back after a pay raise, where you wouldn't be able to use all those days after the pay raise.  But I'd rather have a few extra bucks coming to me forever, than just one time.  A few extra months of service seems to me to be the gift that keeps on giving. 
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Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

I don't think you can retire while on leave so you have to come back for your last day.

If you take rather than "cash out" your leave you are correct that you will get the TSP match and earn leave as well.

You will also get credit for additional days of service but in computing your annuity, they also add in the sick leave days but they will round down to the month (any sick leave days remaining will be forfeited).  There's an OPM chart they use to convert sick leave hours to days.

You will pay taxes on money received regardless.

 

 

From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of Ardon Kharpuri Mukhim via groups.io
Sent: Saturday, February 25, 2023 2:52 PM
To: TSPStrategy@groups.io; MD2018 via groups.io <rlkane.wc=verizon.net@groups.io>
Subject: Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

 

If you take the lump sum...isn't the taxes going to be higher?

 

Sounds like it's better to take the AL.

 

You still get paid your regular salary when you take AL; you earn your 8 hours of AL ; and you get your tsp contribution and match.

 

On Sat, Feb 25, 2023 at 11:40 AM, MD2018 via groups.io

Well if you don't take annual leave your last year you could get paid for 448 hours of leave in cash. For some people depending on your pay rate that could be close to $30,000. And considering you might have earned the 240 carryover at a much lower rate. 



On Feb 25, 2023, at 10:21 AM, Dave in Dallas <datruedave+GroupsIO@gmail.com> wrote:

Selling your annual leave back obviously gives you a chunk of change that helps tide you over until your retirement checks start rolling in regularly, but is there some other benefit that I'm not thinking of?

Seems to me that if you don't need that money (because you have other savings to tap into) to help with the transition to retirement, that actually using your leave prior to retiring is worth more if you just consider the numbers.  Not only do you get paid your full salary for those days of leave, but they would also count as additional days of service that is computed towards your retirement even though you're already enjoying a sort of pre-retirement. 

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

If you take the lump sum...isn't the taxes going to be higher?

Sounds like it's better to take the AL.

You still get paid your regular salary when you take AL; you earn your 8 hours of AL ; and you get your tsp contribution and match.


On Sat, Feb 25, 2023 at 11:40 AM, MD2018 via groups.io
<rlkane.wc=verizon.net@groups.io> wrote:
Well if you don't take annual leave your last year you could get paid for 448 hours of leave in cash. For some people depending on your pay rate that could be close to $30,000. And considering you might have earned the 240 carryover at a much lower rate. 

On Feb 25, 2023, at 10:21 AM, Dave in Dallas <datruedave+GroupsIO@gmail.com> wrote:

Selling your annual leave back obviously gives you a chunk of change that helps tide you over until your retirement checks start rolling in regularly, but is there some other benefit that I'm not thinking of?

Seems to me that if you don't need that money (because you have other savings to tap into) to help with the transition to retirement, that actually using your leave prior to retiring is worth more if you just consider the numbers.  Not only do you get paid your full salary for those days of leave, but they would also count as additional days of service that is computed towards your retirement even though you're already enjoying a sort of pre-retirement. 
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Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Well if you don't take annual leave your last year you could get paid for 448 hours of leave in cash. For some people depending on your pay rate that could be close to $30,000. And considering you might have earned the 240 carryover at a much lower rate. 

On Feb 25, 2023, at 10:21 AM, Dave in Dallas <datruedave+GroupsIO@gmail.com> wrote:

Selling your annual leave back obviously gives you a chunk of change that helps tide you over until your retirement checks start rolling in regularly, but is there some other benefit that I'm not thinking of?

Seems to me that if you don't need that money (because you have other savings to tap into) to help with the transition to retirement, that actually using your leave prior to retiring is worth more if you just consider the numbers.  Not only do you get paid your full salary for those days of leave, but they would also count as additional days of service that is computed towards your retirement even though you're already enjoying a sort of pre-retirement. 
Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Re: [TSPStrategy] When to Leave to Get Paid the Most for Your Leave

Selling your annual leave back obviously gives you a chunk of change that helps tide you over until your retirement checks start rolling in regularly, but is there some other benefit that I'm not thinking of?

Seems to me that if you don't need that money (because you have other savings to tap into) to help with the transition to retirement, that actually using your leave prior to retiring is worth more if you just consider the numbers.  Not only do you get paid your full salary for those days of leave, but they would also count as additional days of service that is computed towards your retirement even though you're already enjoying a sort of pre-retirement. 
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[TSPStrategy] When to Leave to Get Paid the Most for Your Leave

[TSPStrategy] When to Leave to Get Paid the Most for Your Leave

https://www.govexec.com/pay-benefits/2023/02/when-leave-get-paid-most-your-leave/383265/


When to Leave to Get Paid the Most for Your Leave

The pros and cons of working all the way to the end of the federal leave year.

A federal employee recently wrote to me with this question:

I was told I have to retire by Dec. 31, 2023 to get paid for my leave that is more than the 240 hour limit to carry over into 2024. Another person told me that I can work right up till the last day of the leave year, which is Jan. 13, 2024. Do you know which is correct?

The short answer is that you can work up until the last day of the leave year if you wish. Now let's look at the more difficult question: which date is better?

A leave year begins on the first day of the first full biweekly pay period in a calendar year, and ends on the day immediately before the first day of the first full biweekly pay period in the following calendar year. For most federal employees, the 2023 leave year ends on Saturday, Jan. 13, 2024. Therefore, employees may earn one additional accumulation of annual leave during the 2023 leave year by waiting to retire until Jan. 12 or 13. For a full-time employee, the extra amount will be four, six or eight hours, depending on the employee's leave earning category. 

According to the Office of Personnel Management, most employees can carry over a maximum of 240 hours of accrued annual leave to the next leave year. "Use or lose" annual leave is the amount of accrued leave that exceeds the employee's maximum limitation for carryover into the next leave year. Employees must use their excess annual leave by the end of a leave year or forfeit it. They receive a lump-sum payment for any unused annual leave when they separate from federal service. 

For anyone considering retirement at the end of 2023 or start of 2024 to maximize their lump sum annual leave payout, the key question is: Does it make sense to leave on Friday, Dec. 29, 2023, or stay on the rolls until Friday, Jan. 12, 2024? 

To decide, it's important to weigh the value of a month of retirement benefits against the value of a biweekly paycheck. Here's a scenario involving a hypothetical employee under the Federal Employees Retirement System that may help you assess your options.

  • Length of service on Dec. 31, 2023: 30 years, 0 months, 20 days
  • Age at retirement: 64, allowing the retirement benefit to be computed using the 1.1% factor instead of 1%, with no FERS supplement payable
  • High-three average salary: $76,000
  • Final salary rate: $80,000
  • Gross salary biweekly: $3,067 (before retirement, taxes and insurance withholdings)
  • Gross monthly retirement benefit with maximum spousal survivor election: 30 x 1.1% x $76,000 = $25,080 - $2,508 (10% spousal survivor reduction) = $22,572, or $1,881 per  month (before taxes and insurance withholding)

The advantages of retiring on Jan. 12, 2024 include the following:

  • A slight increase to the high-three average salary.
  • An additional month of retirement by staying an additional 12 days (added to the 20 days of "leftover" service this employee had, adding $6 a month to their retirement benefit.
  • An additional eight-hour leave accrual, resulting in $306 more in the employee's lump sum leave payout before taxes. All of the leave would be paid at the 2024 salary rate if the employee delays retirement until Jan. 12, 2024. Retiring on Dec.  31, 2023 would require that 80 hours be paid at the 2023 pay rate and the remaining hours at the 2024 rate.
  • An additional pay period for Thrift Savings Plan contributions. For most payroll systems, pay period 26 ends on Dec. 16, 2023. By retiring on Jan. 12, 2024, the employee could conceivably contribute two entire paychecks to the TSP, although the agency matching would only be on the first 5% of contributions.

The advantage of retiring on Dec. 31, 2023 is that you'd receive a retirement benefit payment for the month of January 2024. If you retired on Jan. 12, 2024, your retirement check would come March 1, 2024, for the month of February.

In this example, the gain of waiting a little longer to retire outweighs the loss of one benefit payment. For a younger FERS employee who's entitled to the FERS special retirement supplement, the numbers may be a lot closer, since the supplement could add another $1,000 or more to their benefit. Remember that each situation is different and the only one that matters is yours. 

Here is how the end of the leave year stacks up over the next five years:

  • The 2024 leave year ends on Jan. 11, 2025 (eight days of salary after Dec. 31, 2024
  • The 2025 leave year ends on Jan. 10, 2026 (seven days of salary after Dec. 31, 2025
  • The 2026 leave year ends on Jan. 9, 2027 (six days of salary after Dec. 31, 2026)
  • The 2027 leave year ends on Jan. 8, 2028 (five days of salary after Dec. 31, 2027)
  • The 2028 leave year ends on Jan. 6, 2029 (five  days of salary after Dec. 31, 2028)

Of course, maximizing your lump sum annual leave payment is only one consideration when choosing your best retirement date. Understanding your federal retirement and insurance benefits, having a solid financial plan and learning how to employ tax strategies are all key elements to a successful transition to the next chapter of life.

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[TSPStrategy] What Not To Do With Your TSP Account

[TSPStrategy] What Not To Do With Your TSP Account

https://www.govexec.com/pay-benefits/2023/02/what-not-do-your-tsp-account/382989/


What Not To Do With Your TSP Account

Be careful about borrowing from your retirement investments. 

If you're covered under the Federal Employees Retirement System, investing as much of your salary as you can afford in the Thrift Savings Plan is essential to ensuring a comfortable retirement. And it's not only important to get your money into the TSP, but to keep it there.

At the end of last year, there were more than a quarter of a million outstanding TSP loans, totaling about $4.5 billion. When you borrow from your TSP, the money comes out of your account balance in proportional amounts from traditional and Roth investments. For example, if 80% of your account is in your traditional balance and 20% is in your Roth balance, then 80% of the amount you borrow will be from your traditional balance and 20% will be from your Roth.

You'll be paying the loan back to yourself with interest (computed at the G Fund rate when the loan is approved). But by temporarily taking money out of your account, you'll miss out on some of the compound earnings you could otherwise have accrued.

You must start repaying your TSP loan with interest within 60 days of when it is disbursed to you. Your payroll office will begin deducting loan payments from your salary each pay period. Be sure that these payments won't cause you to reduce your new contributions and drop you below the 5% required contribution in order to receive the full agency match. 

Here are a few other important facts about TSP loans:

  • You'll pay a one-time fee of $50 for a general purpose loan or $100 fee for a primary residence loan. 
  • As of June 1, 2022, loans may only be reamortized to a longer or shorter payment period if you have transferred to an agency with a different pay cycle. 
  • You can make loan payments in addition to payroll deduction to pay off your loan more quickly or to make up for missed payments. This can be done by direct debit a maximum of two times per month or by check or money order at any time. 
  • A direct deposit account or mailing address must be added to your account at least seven days (not including weekends and holidays) before you submit a loan request.
  • When applying for a TSP loan, you should confirm your marital status. If you're divorced, you should contact the TSP ThriftLine to update your status to single. A spousal signature is required if your TSP account information still shows your status as married.
  • If you have an outstanding loan when you separate from federal service, you have three options: First, you can pay the loan off. Or you can keep the loan active by setting up monthly payments by check, money order or direct debit. The terms of the loan do not change when you separate, and the maximum time limit for paying off your loan still applies. Finally, you can allow the loan to be foreclosed and accept any taxable portion of the outstanding balance and accrued interest as taxable income.

You can't take a new loan after you leave the government. Before you decide to apply for a TSP loan, be sure to carefully read the TSP booklet on loans

While we're on the subject of the TSP, here are some additional things to know:

  • Although the full dollar amount of your contributions to a traditional, pre-tax TSP account goes into your account, your net income may not go down by the same amount. This is because your contributions reduce your taxable income. It's possible your federal and state tax withholding will go down when your TSP contributions go up.
  • If you expect to be paying a higher tax rate in retirement than you are today (due to higher income later in life or changes in the tax laws), you might want to make  after-tax contributions to a Roth TSP account. These contributions will not lower your current tax bill, but will provide you with some tax-free income later in life.
  • To make changes to your TSP contributions, contact your agency payroll provider.
  • All of the agency matching money placed in your account is immediately vested. This means it belongs to you even if you leave federal service before becoming eligible for a FERS retirement. The 1% automatic agency contribution will be yours once you have completed three years of service. 
  • Employees hired on or after Oct. 1, 2020 were automatically enrolled in the TSP at the 5% contribution amount. 
  • The maximum TSP contribution amount for 2023 is $22,500 for employees who are under age 50, and $30,000 for those who will reach age 50 in 2023 or above.

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[TSPStrategy] Paid Family Leave: A Benefit Helpful to Just About Everyone—So Why So Slow In Coming?

[TSPStrategy] Paid Family Leave: A Benefit Helpful to Just About Everyone—So Why So Slow In Coming?

https://www.govexec.com/pay-benefits/2023/02/paid-family-leave-benefit-helpful-just-about-everyoneso-why-so-slow-coming/382933/

Paid Family Leave: A Benefit Helpful to Just About Everyone—So Why So Slow In Coming?

It's only in the last few years that feds got 12 weeks of paid parental leave. Now, a pending bill aims to cover caregiving in case of illness.

You've heard it before: The U.S. is the only major developed country where workers lack guaranteed paid parental—or "family"—leave. 

Or, to put a finer point on it, "The U.S. is the only OECD member country—and one of only six countries in the world—without a national paid parental leave policy," as the Bipartisan Policy Center stated in a research brief on the subject last year. 

That is, out of 38 of the richest countries, the U.S. stands alone—for the vast majority of employees—in mandating no national-level, paid parental leave of any kind. 

That's what we don't have. So what do we have? In terms of federal law, there is a guarantee of the right to unpaid family leave. The 1993 Family and Medical Leave Act (FMLA) mandates that if you're an employee at any company or organization—whether private-sector or public-sector—of 50 or more employees, it is illegal for that employer to fire you for taking up to 12 weeks of unpaid family leave. 

Still, that's a far cry from the 37 other advanced countries, with their much more robust leave guarantees.

"It's a scandal that we don't have any kind of paid national family and medical leave program in the United States," Sherry Leiwant, co-president of the paid leave advocacy group, A Better Balance, told Government Executive. "We're the only developed country that doesn't give families time to take care of each other when a new child joins the family or when somebody close is seriously ill. It is just so overdue." 

The 2019 passage of the Federal Employee Paid Leave Act (FEPLA) provides an important if limited federal-level exception to Leiwant's grim rule. For feds, it modifies FMLA to provide 12 weeks of paid leave—aligning more closely with advanced countries on the issue. Trouble is, you can avail only under a narrow set of conditions: for a new child, whether by birth or adoption or foster care. Still, FEPLA's paid leave is a significant improvement—and an important benefit. 

"We heard a lot of stories from federal employees as we advocated for FEPLA several years ago," Michelle McGrain, director of congressional relations for the National Partnership for Women and Families, told Government Executive. "All about how hard things had been—with feds getting by on taking leave without pay when they had to care for their parents, or to seek chemo treatments, and all sorts of other family needs." 

"That was unpaid leave. So in 2019 we were all really excited to get some paid parental leave for feds. But we knew the job's not done, and we're heartened to see legislation before Congress right now, to finish the job and convert federal employees with more family needs, beyond childcare, from using unpaid FMLA leave to paid leave." 

Major federal employee unions—including the American Federation of Government Employees, the National Treasury Employees Union and the National Federation of Federal Employees — are lauding efforts by the Biden administration and some in Congress to push for more paid leave.

But, with great respect for the successes to date of leading advocates for paid leave, why is something considered a basic right abroad so hard to secure—or, often, even to find mentioned in headlines—here, in the largest economy on Earth? We wanted to know. 

So, with the pending Comprehensive Paid Family Leave Act bill (H.R. 856) pushing beyond FEPLA to cover caregiving in case of illness, along with the broader still FAMILY Act bill proposing to extend the benefit workforce-wide, we interviewed Jeffrey Wenger, a RAND economist, labor specialist, and senior policy researcher, about  why paid leave has always faced such headwinds in the U.S., and his conclusions on the need to further enhance this benefit for feds as well as make it universal for all working families in America. 

Q&A with RAND's Jeffrey Wenger

Government Executive: With FEPLA, passed in 2019, feds now have up to 12 weeks of paid family leave for the birth, adoption or foster placement of a child. Since then, unions and advocates, armed with evidence of the benefits of more paid leave—and joined by analysts, including yourself—argue for more paid leave, and for a wider public. Why, in your opinion, is paid family leave—or any family leave—such a key benefit for our workforce and economy as a whole? 

Wenger: Why? Because working people in our country need family leave for several obvious reasons. Working parents need to be enabled to properly take care of their young children. Later in life, adult children need time to take care of their parents, too. We all need to be able to do these things when we need to, while having the flexibility to keep and maintain our jobs. It's just the facts of economic life nowadays: In most families most of the time, both parents work. So, taken together, a guarantee of adequate family leave and flexibility is necessary for working families to function. For the vast majority of people, we're just not living in 1938, or 1952—or any other imaginary time when one adult is just automatically at home, or somehow we might not need family leave. 

Government Executive: OK, so that's the broadest reason why American workplace law needs an update, especially on family leave. But if so many hardworking, taxpaying, often professional people need it, why hasn't family leave—and especially paid family leave—long since become bedrock federal law, due to the two-parent, two-job economics and politics you just laid out?  

Wenger: Some of the reason is companies and governments considering only the expenses, but with estimates that don't take into account the eventual benefits, the savings. But it's also that young families are particularly vulnerable, politically speaking. It's an often-overlooked reason why leave doesn't get the attention it deserves. Most parents need good and affordable childcare only for a relatively short time—a few years. After five years old or so, most kids spend much more time in school, and by then many parents need less help. So many parents—even with two kids, say—just muddle through, despite their incurring horrible financial and job losses. For most parents it doesn't seem to make sense to dig in or knuckle down to press for sustained political action or attention to push for paid family leave. They just endure the losses and move on. And without adequate political pressure and change, this cycle continues. 

Government Executive: For feds, family leave options improved a few years ago with FEPLA, and this would obviously improve even more if H.R. 856 passes. As for the wider workforce, advocates look to the FAMILY Act to enact a national program for paid family leave. What is your take on these? 

Wenger: So, those bills represent improvements in family leave and paid family leave. And the improvements in the law, especially paid leave for feds, so far already are very real. But, in recent years, the challenges involved in caring for young children have only gotten more acute. I'm of course talking about the pandemic's impact. Think about young families with at least one preschool child, age one to five. We all know the early childhood developmental period is really important. But the pandemic has made the job for parents here more difficult. Many parents must be back at workplaces sometimes—but perhaps not at others. And when your kid gets sick, you can't take them to daycare. You have to take a sick day. All the more so since the pandemic. So, parents absolutely need flexibility and capacity to monitor and help their kids. Frankly, twelve weeks is a big help but it just isn't going to cover it. To do this right, there has to be a sea change in people's attitudes—and in our laws. 

Government Executive: Right, and—for a while at least—many employees can't telework as much. Some agencies, like many companies, are demanding people return to the traditional workplace, right?

Wenger: Exactly. That's another part of this problem, that some people can't telework as much. And, anyway, you can't do that and deal with all of your kids' needs at the same time. It's all about the big picture of being pulled in multiple directions while somehow maintaining your hold on work. It's tough. 

Government Executive: OK. So, in addition to your two working parent situations there's the pandemic demanding more flexibility. Why then isn't paid family leave a straight-up bipartisan win? Is it projected costs? Disputed estimates paint paid leave, even for feds alone, as very expensive, but you and others spotlight lower turnover and training costs, bringing great savings, right?  

Wenger: Right. I've noted before, if the federal government adopts paid family leave for their employees, on the one hand there will be costs. But, as in other countries, there will be significant savings, with productivity enhanced, with fewer people losing or leaving their jobs, with a reduced need to find and train new employees, and so on. We could have a much longer conversation about children, and women's role in the labor market. A lot of these issues have evolved quickly on the ground. But aspects of our laws and policies that pertain to parenting and caregiving haven't evolved to keep up with the reality. Not yet, anyway. It's part of why adequate paid leave lags behind—and more is needed—here. 

Government Executive: If in other developed countries employers and the wider economy arguably saves as much or more than the cost of proper leave, why do our leaders keep foot-dragging on this? 

Wenger: I still don't know the answer to that. We remain behind many other countries with respect to other benefits, too. Maybe it's partly a remnant of history as a "frontier culture," our core for many people. But it is something we need to overcome. 

Government Executive: What is your bottom line on this issue? 

Wenger: At some point in our lives, most of us are going to have caregiving responsibilities, whether it's for our children, or our parents or other family members—right? And so crafting reasonable leave and paid leave laws and policies—with costs and benefits taken into account, as other developed countries have done—has to be done. There are ways to do this that make sense, and that simply recognize this necessary truth: that our caregiving and other home responsibilities are very real, and we have to take them seriously and move forward with laws and policies that support adequate family leave.

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Re: [TSPStrategy] Can't read all the news stories I send

Re: [TSPStrategy] Can't read all the news stories I send

👍

 

From: TSPStrategy@groups.io <TSPStrategy@groups.io> On Behalf Of Albert Reble via groups.io
Sent: Friday, February 10, 2023 11:39 AM
To: TSPStrategy@groups.io
Subject: Re: [TSPStrategy] Can't read all the news stories I send

 

I figured it was my lack of technical prowess…..

Al Reble 

 



On Feb 10, 2023, at 9:33 AM, dlstox <dlstox@gmail.com> wrote:



Glad to help.  Didn't know it was a problem until I got an email yesterday.  

 

Dave

 

On Fri, Feb 10, 2023 at 7:22 AM Albert Reble via groups.io <Alrxl600=yahoo.com@groups.io> wrote:

The article link is awesome, thank you! I can't see your posting unless I'm on a desktop which I flatly refuse unless I have no choice.

Al Reble 

 



On Feb 10, 2023, at 6:13 AM, dlstox <dlstox@gmail.com> wrote:



Members,

 

It was pointed out to me that when I send out news posted on GovExec or whatever, they aren't readable to people using iPhones.  I don't know if this is the same for users on Android phones.  

 

I send them from Gmail in my web browser and when I see them at home on my personal computer via Outlook, they look fine.  I know Sarah_Oz, who started this group a long time ago, posted these articles on TSP or retirement that I have started posting; it was originally a Yahoo group and when that closed she moved it to where it is now.  She gave us good investing advice with plenty of discussion; unfortunately, I don't know enough to do that.

 

Thinking of this brings up a good question.  How do new members join the group? 

 

Anyway, if there are any problems reading the info I send out, please let me know.  I'm going to start putting the article link at the beginning of the email so if you are reading on your phone, you can just select the link.  Hope that works.

 

Dave