FERS & CSRS Medical Retirement: The Negative Interest Rate

In periods of economic stagnation, where mass hoarding by depositors results in a slow-down of commercial activity, rising unemployment and deflationary returns on value-for purchase in all sectors, the idea that depositors must not only deposit, but further, pay regularly to keep their money with the bank, would at first glimpse appear counterintuitive. Perhaps that was initially the brain-child of some half-crazed Economist — that one with the frizzy hair appearing on Sunday Shows who had won the Nobel Prize for Economics many decades ago because no one quite understood what he was talking about, […] Read More …

Federal Disability Retirement: The Poverty of One’s Soul

The locus of one’s soul has been much debated throughout the history of Philosophy; Descartes, of course, took the incommodious step of actually identifying the central point, but left some “wiggle room” by declaring it merely as the “principal seat of the soul” (is there a secondary, back-seat area for the soul, as well?), but of course, the French can be excused for such seemingly drunken issuances of localities, when belief in supposedly impenetrable defenses can provide for a mirage of security. […] Read More …

OPM Disability Retirement: Requisite Sense of Control

Most of us require a semblance of self-determination, if only to conceal the inadequacies and keep at bay the disasters which portend, or pretend, whichever the case may be. By controlling circumstances, we believe that we can maintain prevention of crisis, pre-determine the outcome of expectations, and squirrel away the hesitations and insecurities controlling us in our lives of desperate needs. But life has a way of defying the macro-minutiae of the limited universe within our reach and immediate control. […] Read More …