Ralph Smith

Ralph Smith has several decades of experience working with federal human resources issues. He has written extensively on a full range of human resources topics in books and newsletter and a co-founder of two companies and several newsletters concerning federal human resources.

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Ralph Smith's Latest Posts

Federal Employees on ‘An Elite Island of Secure and High-Paid Employment’

Filed in Headlines, News by on October 7, 2015 Comments

An article describes the federal government as “an elite island of secure and high-paid employment, separated from the ocean of average Americans competing in the economy.”

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Rough Month (and Year) for TSP Stock Funds

Filed in News by on October 1, 2015 Comments

Stocks have just experienced their worst quarterly returns since 2011. TSP funds reflect this market action, and all of the TSP stock funds are down for September and for the year to date.

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Health Insurance Premiums Up in 2016: What Will You Pay for Self Plus One Coverage?

Filed in News by on September 29, 2015 Comments

Federal employee health insurance premiums in 2016 will see their largest increase in five years. Here is a summary and how those electing self plus one may fare next year.

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Winners and Losers Under New Health Insurance Premium Options

Filed in News by on September 17, 2015 Comments

Health insurance premiums for 2016 may go up about 7% for 2016. But, for those in new self plus one option, costs may decrease about 6% according to a government estimate.

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How Much Will the 2016 COLA Add to Your Income?

Filed in News by on September 17, 2015 Comments

How much of a COLA increase will federal retirees have in 2016? Any increase at all is looking highly unlikely.

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Proposals Emerging to Restrict Power and Influence of Federal Employee Unions

Filed in News by on September 14, 2015 Comments

Federal employee unions have become a target in the presidential campaign, and one candidate is proposing to eliminate the ability of federal employees to join unions. Here is a summary of the proposals and how much federal employee unions have contributed to politicians.

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“I Saw the Elephant” (in 1850)

Filed in News by on September 9, 2015 Comments

Many Americans are ignorant about our history. A facility in Wyoming brings to life the sacrifices and hardships from the 500,000 pioneers who crossed the country on foot, in covered wagons and on horseback to settle the West.

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TSP Stock Funds Dive in August

Filed in News by on September 1, 2015 Comments

All of the stock funds for the Thrift Savings Plan were down significantly in August. Here are the results for the month and for the year for all of the TSP funds.

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