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

Expanding Withdrawal Options in the TSP

Filed in News by on July 28, 2015 Comments

The TSP is proposing substantial changes to withdrawal restrictions of your money. Here is a quick summary of these changes.

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2016 Pay Raise One Step Closer to Becoming A Reality

Filed in News by on July 23, 2015 Comments

A pay raise for federal employees in 2016 just became one step closer to reality.

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How Likely Are You to Receive a COLA Increase in 2016?

Filed in News by on July 21, 2015 Comments

Will federal retirees receive a COLA in 2016? While inflation data is creeping up, it may not be enough to result in a COLA increase.

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Would Cutting the G Fund Interest Rate Benefit Federal Employees?

Filed in News by on July 19, 2015 Comments

The G fund has never had a losing year. The rate of return on the G fund has been dropping as inflation has gone down and consideration is being given to reducing the G fund interest rate even more. Could this actually be a good thing for TSP investors?

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Some CSRS Offset Employees Will Receive Extra Money (and Interest)

Filed in News by on July 16, 2015 Comments

Are you a CSRS offset retiree? If you are in this group of federal employees, a letter coming from the Defense Finance and Accounting Service (DFAS) may interest you as you may be in for at least a small, unexpected financial gain.

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The Confederate Flag and Your 2016 Pay Raise

Filed in News by on July 15, 2015 Comments

How does a controversy over flying the Confederate flag impact the 2016 federal employee pay raise?

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Locality Pay for Feds: How Is Your Paycheck Impacted?

Filed in News by on July 14, 2015 Comments

How much of a difference will locality pay make in your paycheck? This article compares actual locality pay to the “target pay gap” in each locality pay area and how it impacts the salary levels for hundreds of thousands of federal employees.

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OPM Director Archuleta Resigns in Wake of Data Breaches

Filed in News by on July 10, 2015 Comments

Katherine Archuleta is resigning as OPM director in the wake of the recent data breaches that hit the agency’s computer systems according to a White House official.

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