High-3 Salary


How to Calculate Your FERS Pension and Disability Benefits

As a federal government employee, you have access to the Federal Employees Retirement System, also called FERS for short. This system includes a pension as well as disability retirement program.

What is Your High-3 Salary?

To determine your FERS pension and disability benefits, you’ll start by making a calculation that’s referred to as your high-3 salary. This is the highest average basic pay that you earned during any three consecutive years while working for the federal government.

Basic pay includes your base salary plus any salary increases you receive from which retirement deductions are withheld, as well as shift rates and locality pay. It doesn’t include overtime pay, bonuses, military pay, cash awards, holiday or travel pay, or cost-of-living adjustments (COLAs). The amount of your basic pay is indicated on your Standard For 50 (SF50) and your Leave and Earnings Statement (LES).

For most federal government employees, the highest three years of basic pay are the last three years that they work. In this case, go back three years from the date of separation to determine the starting date for your high-3 salary calculation. If you have had breaks in service, the three years don’t have to be continuous — you can join two or more separate periods of service together.

For example, let’s say you plan to retire on April 1, 2021, and have worked for the federal government continuously since then. If the past three years were your highest earnings years of basic pay, the starting date for your high-3 salary calculation would be April 1, 2018. If your basic pay during these three years was $70,000, $75,000 and $80,000, then your high-3 salary would be $75,000.

Determining Your Pension and Disability Benefits

Once you’ve calculated your high-3 salary, you can determine the amount of your pension and disability benefits. The FERS pension calculation is as follows:

High-3 Salary x Years of Creditable Service x % Pension Multiplier = Annual FERS Pension

If you’re under age 62 on the date of separation or 62 years of age or over and have less than 20 years of federal service, your pension multiplier is 1%. Assuming a $75,000 high-3 salary, your annual FERS pension would be $14,250 with 19 years of service.

However, if you’re 62 years of age or over on the date of separation and have 20 or more years of federal service, your pension multiplier is 1.1%. Assuming a $75,000 high-3 salary, your annual FERS pension would be $16,500 with 20 years of service.

The pension multiplier is the same (1.1%) for the FERS disability calculation if you’re 62 years of age or over on the date of separation and have 20 or more years of federal service. But if you’re under 62 years of age when you begin receiving disability benefits, you will receive 60% of your high-3 average salary minus 100% of your Social Security benefit for any month when you’re entitled to receive Social Security benefits during the first 12 months. After this, you will

receive 40% of your high-3 average salary minus 60% of your Social Security benefit for any month when you’re entitled to receive Social Security benefits.

Once you turn 62, your benefit will be recomputed using an amount that essentially represents the benefit you would have received if you had continued working until the day before your 62nd birthday and then retired under FERS.

How to Increase Your Pension Benefits

The best way to increase your FERS pension benefit is to continue working past your earliest eligibility date for retirement if you’re able to do so. This will increase both your length of service and your high-3 salary.

Going back to our hypothetical example, let’s say this individual worked five years longer, giving him 25 years of eligible service. This also boosted his high-3 salary to $80,000, thus increasing his FERS annual pension benefit to $22,000.

Don’t miss this critical point: By working an extra five years, this individual increased his FERS annual pension benefit by $5,500. If he spends 20 years in retirement, this adds up to an additional $110,000 in pension payments.

Plan Carefully

Your decision about when to retire will have a lasting and long-term impact on your retirement finances. So give this careful thought and plan to spend time crunching some numbers before making a final decision. Book an introductory call or send us an email if you’d like to talk about your situation in more detail.


San Diego Window Replacement Companies


Among the greatest investments you can ever make for your house in San Diego would be to fully replace your old, drafty doors and windows. Together with the suitable new doorways and doors, your house will certainly benefit from improved energy efficiency and increased property value. And even better, gorgeous new sliding glass doors and window replacements can decorate and improve your unique home design for a long time to come. Obviously, to find the perfect match, you’ll have to hire San Diego windows replacement specialists that are skilled in fitting all types of windows and doors. So how can you select the ideal company?

Window Replacement


– First, look at the standard of the work. A fantastic firm will show off its extensive range of imported and local windows, windows and shutters so it is easy to compare quality and prices. Furthermore, trustworthy window replacement San Diego companies have their own showrooms where you are able to see and measure each of their products and then discuss the project . You may bring your own samples and have them quantified by a local San Diego technician. The most reputable companies also have highly trained technicians who understand how to properly fit each product.


– Next, look at the window replacement San Diego price list. Compare the characteristics and materials used for each product, as well as the installation expenses. Ensure the price list includes the installation fee, which is typically not included in the initial quote. It’s normal for some companies to bill additional installment fees if labor is added on to the bill. Start looking for a house window replacement price that doesn’t include additional hidden fees.


– Check the warranty policy. Your San Diego window replacement window installers’ guarantees will usually cover any defects in workmanship and materials used throughout the installation procedure. However, it is important to be aware that the best warranty is no guarantee you won’t encounter difficulties. It is also important to know what the window installers will do if there are flaws or if the job is not done correctly.


– Always inquire about renewal references. Fantastic window replacement San Diego firms should have the ability to offer you three renewal references. Ask about these references from several different companies. When you contact the references, ask about the installation process, quality of workmanship, the durability of the windows and terrace doors, and if they’d recommend the firm for your next installment. This will give you a good idea of the quality of the work the business provides.


– After you receive your three references, then take the time to call each one. Only accept renewal quotes that include a private phone number, or a site link that you may use to request a written quotation. Ask for a renewal price that contains a guarantee on all of vinyl replacement windows installations, the substances used, the amount of labor charged, and the length of the guarantee. All these are the only elements of a fantastic vinyl window installation which needs to be included in a renewal price.

What Are the Benefits of Choosing a Professional Web Design Company?


Maintaining a strong web presence is a must if you want to reach the target market. A strong web presence is not built in a day; it takes time and efforts and also expertise and knowledge of it to make it robust. There are many benefits of using the expert web design services as mentioned below.

Provides easy navigation through many types of web pages: Through the expert web design services, web pages are designed using navigation techniques that are easy to use for the users. No matter the target market for your products or services, the navigation of the site should be made easy for the visitors. Home page, contact page, “about us” page and “product” pages are some of the typical pages by which visitors reach the site. By tailoring the navigation to the target market, the business houses can ensure that most of the targeted traffic reaches their site and enhance the profitability of their business.

Provides good shopping cart support to sell products quickly: A well-designed web design company generally supports the right choice of the shopping cart tools provided by the merchant. It is important that you opt for plugins that also make drop-Shipping process easier for the users. This process makes the online shopping processes quick and seamlessly while being a cost-effective option.

Shopping cart is a central location for the users who make the purchases for their purchase. They can also choose mode of payments for which is even better. A good digital shopping cart can easily feature the various payment options for various types of visitors which reduce the checkout time to virtually nil. A professional web design company can provide you the appropriate template or one of its customizable alternatives which enables to speed up the checkout process, thereby allowing the online marketers to get rid of unnecessary cost components.

Improves your conversion rate in purchasing products

When you purchase any product on your site, you may not buy it right away as you require some information. You may also not purchase your first-rate product. It is important that you instruct the visitors with all the information required about the products. By doing so, you will ask them to make the purchases on their Microsoft store. A professional web design company can make sure that your pages are modified in order to spice it up and make it appealing. The added advantage is that you will get more traffic for the traditional “hard to buy” products and you can create a brand image for your products. With attracted visitors, the probability of making a purchase for the products becomes easier. Whereas the visitors that have not made any purchase can result in an increase in the rate of ad clicks on your site.

Provides easy access to each web page: A good web design solution provider offers easy access to all the needed information to the visitors in a nice and clutter freeway. The info is provided logically and in a manner by integrating the content. This is how by using web design services, you can create your own functional website. You gain full access to the necessary pieces of data conveniently and effortlessly by providing easy navigation.

Improves search engine placements

Opting for a professional web designing company offers means that you are in a better position to enhance the organic traffic to your site. The main idea is to place the page in a suitable position so that the page is easily found by the users. Additionally, search engine rankings can be enhanced by using appropriate tools and features such as keywords, Meta tags, HTML file, etc.

Provides beautiful templates for the site a professional web designing company can provide you templates which can be edited with the use of less effort. This is an added advantage as you save your resources on purchasing a new design for your site. This enhances the opportunity of earning more revenue from the business through sales through the site.

A professional web designing company is always the better option for increasing website’s exposure of visibility. This is crucial since the most potential future customers will reach you through the search engines. In order to realize the potential of the online market, it is important that you utilize different advertising techniques on the internet for heightening the online presence of your website.

On the other hand, factors still remain highly modifying when it comes to searching the particular product. Your business, once handled in the right way, can always increase its revenue margins all the more.

The Pros and Cons of Online Commerce


As the Internet matures increasingly more people and buying products online. This has ending up being a growing trend that appears like it will continue to grow. But what are the advantages and disadvantages of buying items online?

There are a number of things to consider. Let’s start with the pros. As competitors for online organization keeps growing significantly the costs of goods are being driven down. This is to the advantage of the consumer. Another advantage to buying items online would be the convenience. One is able to browse through numerous shops and numerous items with an easy click of a mouse. This gives the consumer more option and a higher breadth of products. The 3rd pro would be the capability to buy items that might not be readily available in the area through conventional stores. Utilizing programs such as Ebay, customers can acquire items from Singapore to Rome.

The significant con with acquiring items online would be the security problem. With hackers and crackers ending up being more and more advanced in their strategies there is constantly the danger that sensitive details such as charge card information will be taken and utilized without permission. Many online store have numerous security measures in place to fight this however not whatever can be protected against. For instance lots of spammers send out e-mails to private e-mail accounts trying to deceive people into exposing their charge card details. Some of these emails even pose as a genuine company that the user might be familiar with lulling them into an incorrect sense of security.

Purchasing goods online can be really beneficial, however at the same time it pays to be weary of these security issues, regarding not fall into the many traps that are waiting on customers out there. The very best protection is education on the part of the customer to be able to get potential scams.

Easy Tips That Explain How E Commerce Works


It’s not difficult to discuss how e commerce works. E commerce is merely the exchange of goods and/or services digitally. When you purchase something from eBay, Amazon.com or any online store, you’ve participated in e commerce. If you’ve ever downloaded music from a site like Napster or iTunes, that’s e commerce, too. Initially, lets discuss the various kinds of e commerce to assist you comprehend it much better.

B2B: B2B or business-to-business e commerce is the earliest form of e commerce. Back in the 1960s, banks and other businesses started sharing and transferring files and details digitally. It was still restricted, due to the fact that there was not one standard way of performing this business, so not all services might successfully transfer with each other. When a reliable requirement was set up in the 80s, B2B e commerce truly took off, because they all utilized the very same approach, and could exchange files a lot more easily.

C2C: Consumer-to-consumer, or C2C e commerce is popular today. If you’ve ever acquired something online from another person, rather than a company, either through an advertisement publishing on a electronic bulletin board or an online auction, you’ve participated in consumer-to-consumer e commerce. By far, the most popular from of consumer-to-consumer e commerce remains in the form of online auctions, through the mammoth eBay auction site, where anyone can put items online for sale to the greatest bidder.

P2P: P2P or peer-to-peer e commerce began with Napster, where users shared files for complimentary. Now there are a number of similar websites and file-sharing programs and systems online.

B2C: We can’t describe how e commerce works without pointing out the huge amount of e commerce that happens from business-to-consumer. When anyone purchases anything, whether it’s a download of something electronic or any product that must be delivered to the buyer, at an online store or site, that’s e commerce.

So to discuss how e commerce works, it’s needed to keep these things in mind. E commerce includes several of the following:

the exchange of info online
the exchange of money online
the exchange of goods or services online

To describe how e commerce works in your favor, the concepts are just as basic. If you want to purchase a book, for example, you can find numerous online book shops and compare the prices of that book to discover the lowest one. You can inspect the expense of delivering the book, and their shipping times, and identify which shop can get it to you the quickest, for the most affordable rate. All without needing to stand in line, battle crowds, or spend any cash for transportation or gas. So when you consider that you can contrast shop this way for small products and large alike, it’s simple to see the advantages e commerce uses you.

Though we can discuss how e commerce operates in your favor, as soon as you’ve purchased an item this way, it’s simple to see the benefits yourself.

Your Introduction To E Commerce


This intro to e commerce will help you comprehend the different types of e commerce, as well as its advantages and downsides. E commerce is all around us, it has actually been for several years, even long before the Internet. Looking in the 60s, companies began sharing files and information with each other electronically, the really first kind of e commerce. With the Internet, people gained the capability to buy items and services from businesses and each other, electronically. All these make up the face of e commerce today.

Business-to-business e commerce is the exchange and transfer of files and money between services, and as we’ve pointed out, this started in the 1960s. It took hold in the 80s, however, when one requirement was set for electronic deals that allowed all services to connect in this manner.

Consumer-to-consumer e commerce is when a person browses the web and exchanges products and services with another person. Ebay, for instance, is the original consumer-to-consumer website, with its auctions in which anybody can install products for sale to the site’s visitors.

Peer-to-peer e commerce started with Napster using totally free music downloads via a file-sharing system. Now there are many more sites and computer programs that operate on that model, where users share files with each other.

And obviously, business-to-consumer e commerce is simply when consumer purchase items or services from companies online. With the surge of the Internet’s appeal over the last few years, this type of e commerce has become a multi-billion dollar market that’s just expected to keep growing.

An intro to e commerce advantages includes the capability to comparison shop from the conveniences of house. There’s no requirement to stand in line, battle crowds or spend for gas to acquire almost anything you can think of nowadays. Sites deal with each shopper, often with personalized suggestions of items based on the products the shopper searches, or previous purchases. It’s convenient and safe and secure, and much less trouble than driving from shop to shop.

No introduction to e commerce would be total without listing the downsides. Some people are uncertain about the concept of acquiring online, either since they’re just not familiar with how to do it, or they do not trust that their credit card info is really safe. Often, if they’re not acquainted with the store, they might doubt whether they’ll ever got the bought products. And some people do take pleasure in the act of checking out purchase a day with family or friends. Likewise, some kinds of shops do better online that others. Big purchases, where a consumer wants to be able to see and touch the items before purchase, like furniture, for example, typically do not see lots of online sales.

As the appeal of the Internet and society’s growing familiarity with whatever online increases, more individuals will end up being comfy shopping online. As more individuals are provided an introduction to e commerce by their friends, and even their children, sales will continue to increase.