Articles by Ralph Smith
The Reality of "Generation U"
The federal retirement Tsunami has been the source of speculation and articles but this Tsunami has not occurred. This cultural trend is not unique to the federal government. Here are some of the reasons.
Posted: November 19, 2009 | Full Story | Discuss this Article
The G Fund and Predicting The Stock Market
TSP investors will pull money out of the safety of the G fund when they think they will make more money in stocks. Conversely, they will quickly move money into the G fund when they think there is more risk in the market.
Posted: November 18, 2009 | Full Story | Discuss this Article
Options for Federal Employees Who Need Money
Some federal employees are borrowing money from their Thrift Savings Plan. That provides a great interest rate but there are disadvantages that could impact your future retirement income. If you need a loan, or want to loan money as an investment, there may be another alternative as federal employees are often a good credit risk.
Posted: November 17, 2009 | Full Story | Discuss this Article
Made Your Decision About Long Term Care Insurance? Hold That Thought...
Some readers have been wondering if they should continue their participation in the federal long term care insurance program. But, if you have made a decision based on the information you were recently given, you need to take a deep breath and reconsider until you receive and evaluate the correct information.
Posted: November 16, 2009 | Full Story | Discuss this Article
Banner Year for Federal Benefits: One Other Big Benefit May Be On the Way
2009 has seen a number of enhanced federal employee benefits. The year isn't over yet. There is another possible benefit that may see the light of day and that could provide a significant financial gain for many readers.
Posted: November 5, 2009 | Full Story | Discuss this Article
Articles by Ralph Smith: 671
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Ralph left federal service to establish the company that became FPMI Communications, Inc. He served for several years as President/CEO of FPMI until shortly after he sold the company to a public corporation. He currently serves as CEO of FedSmith Inc.
For more than two decades, Ralph has written or co-authored numerous books, articles and editorials on issues pertaining to the Federal Government, consulted with numerous federal agencies, organized and addressed a wide variety of federal sector management conferences, and conducted training seminars and addressed conferences for thousands of public managers and employees. He has written extensively on a full range of human resources topics and was a co-founder and publisher of several newsletters on federal human resources.
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