Permanent weight loss takes time and effort â and a lifelong commitment. Make sure that you're ready to make permanent changes and that you do so for the right reasons. To stay committed to your weight loss, you need to be focused. It takes a lot of mental and physical energy to change your habits. So as you're planning new weight-loss-related lifestyle changes, make a plan to address other stresses in your life first, such as financial problems or relationship conflicts.
As a FERS employee, you can receive 2 types of agency contributions to your TSP account, which together can equal as much as 5 percent of your basic pay. Agency Automatic (1%) Contributions. When you become eligible, your agency automatically deposits into your TSP account an amount equal to 1% of your basic pay each pay period, even if you do not contribute your own money. After 3 years of Federal civilian service (or 2 years in some cases), you are vested in these contributions and their earnings.
Members of the military can contribute up to $18,500 to the TSP in 2018 ($24,500 if age 50 or older)âor up to $55,000 for the year if you receive tax-exempt pay while serving in a combat zone. You can also contribute up to $5,500 for the year to a traditional or Roth IRA (those 50 or older can contribute an additional $1,000). Contributions to the traditional TSP or a traditional IRA lower your taxable income now. For instance, contributing $300 a month lowers your take-home pay by just $225 if you're in the 25 percent tax bracket.