Now that we’ve added new features to your TSP experience, we’ve also updated our Plan Summary with details about changes that have come with these new TSP features.
This summary of changes gives you details about these recent changes, including expanded support options, efficient online transactions, a new look and feel for My Account, and more.
Account access and security
Investments
Withdrawals and distributions
Expanded support options
Efficient online transactions
Beneficiary information
Loans
Legal processing
Account access and security
All TSP participants need to set up a new login for the new My Account. If you haven’t already, now would be a good time to do so. It’s a one-time setup process that will give you step-by-step prompts to make it simple for you to verify your identity, create a username and password, update your contact information, and set up your account security. Once you log in to My Account, you’ll notice a fresh design, new tools, and enhanced features to help you manage your account:
The user-friendly, customizable homepage gives you quick access to the information you want to see first. And you can use planning tools, such as the retirement income modeler, a personalized calculator to help you keep track of your savings goals.
If you have both a civilian and a uniformed services account, you can see all the information for both accounts in one place, including your overall total balance.
Use the TSP Mobile App to access your account on the go.
When you access My Account from your mobile device, you have the option to use your device’s identification software, such as fingerprint access and facial recognition, to add an extra level of security.
If you’re looking for personalized support, use our virtual assistant, called AVA, to ask account-specific questions and connect directly to a ThriftLine Representative during business hours for a live chat session.
Receive messages, documents, and statements about your account in your Secure Participant Mailbox.
Use the account lock feature in My Account to help prevent fraud by voluntarily placing a secure hold that disallows transactions that remove money from your account.
Investments
The low-cost TSP funds you know and love are still the same, and your TSP savings remain invested in the funds you’ve chosen, unless you request a change. We’ve also added a new investment option through the TSP mutual fund window, personalized support for rollovers to your TSP account, and a fund transfer option as a new way to move money within your TSP account.
Mutual fund window
The mutual fund window is designed for TSP participants who are interested in greater investment flexibility. If your account meets certain eligibility criteria, you can choose to access a selection of more than 5,000 mutual funds. As with most mutual funds, this flexibility comes with fees:
$55 annual fee to ensure that use of the mutual fund window does not indirectly increase TSP administrative expenses for TSP participants who choose not to use the mutual fund window.
$95 annual maintenance fee
$28.75 per trade fee
Other fees and expenses specific to chosen mutual funds
If you choose to invest through the mutual fund window, your initial investment must be at least $10,000, and you may not invest more than 25% of your total account in the mutual fund window.
For more information about the mutual fund window, download our fact sheet, TSP Mutual Fund Window.
Personalized support to move money from other plans to the TSP
Now you can receive personalized support to roll over money from IRAs, SIMPLE IRAs, and eligible employer plans to your TSP account.
Rollover contributions to your TSP account allow you to consolidate your retirement savings in one place. This makes it easier to evaluate whether you are on target to reach your retirement goals, and to make sure the right asset allocation to meet these goals is applied to all your savings. Also, because of the TSP’s low costs, your savings can grow faster than in a more expensive plan.
You can make three types of investment transactions to determine the investment mix in your TSP account:
Your investment election (previously “contribution allocation”) specifies how you want to invest new money coming into your TSP account, such as from contributions, loan payments, and rollovers. Changing your investment election doesn’t affect money already in your account. Your investment election remains in effect until you submit a new one.Note: As a new feature, any change to your investment election will ordinarily post to your account immediately and be effective the next business day. There’s no longer a noon cutoff for these transactions.
A reallocation (previously “interfund transfer”) moves the money already in your account among TSP investment funds. When you make a reallocation, you choose the percentage you want invested in each TSP fund.
As a new option, a fund transfer moves money from one or more specific funds to another specific fund or funds without affecting the rest of your account. You can determine a dollar amount or percentage you want to transfer. Fund transfers are also how you move money to and from the mutual fund window.
Reminder: If you request to change how you invest money already in your account—through a reallocation or fund transfer—before noon eastern time on any business day, your request will ordinarily post that business day. A request made at or after noon eastern time on any business day will ordinarily post on the next business day.Reallocations and fund transfers are limited. Each calendar month, you can use your first two reallocations or fund transfers to redistribute money in your account among any of the TSP funds. After the first two of either transaction type, you can only move money into the G Fund.
Reallocations and fund transfers are limited. Each calendar month, you can use your first two reallocations or fund transfers to redistribute money in your account among any of the TSP funds. After the first two of either transaction type, you can only move money into the G Fund.
Personalized retirement calculator
We’ve added a personalized planning tool to My Account that lets you securely model your retirement income using your actual account information. This retirement calculator replaces the calculators previously available on our website.
Withdrawals and distributions
The process to request a withdrawal or distribution is now more efficient and saves time:
As with other transactions, we’ve introduced the ability to use electronic signatures and submit many requests entirely online.
You can also receive your money as direct deposit to your bank account or by check. The default payment option is to receive a check by mail.
If you request a distribution in installments, you can choose a start date for installments within six months of your request. After the start date, we’ll issue subsequent installments on the fifteenth (or next business day) of the month they’re due. Please allow a few days for processing.
You can choose to receive automatic required minimum distributions (RMDs) electronically by including direct deposit information in My Account, even if you don’t make a specific distribution request to receive your RMD amount.
And there are some other changes to withdrawals and distributions you need to know:
If you make a distribution request for installments from your traditional or Roth balance and want to roll over the money to an IRA or eligible account, you’ll be able to roll over the entire portion of the installment or specify a dollar amount for a partial rollover. If you want to specify a dollar amount for the rollover, you’ll need to make that request through the ThriftLine.
If you request a financial hardship withdrawal and have sufficient funds available, you’ll be able to increase your withdrawal to 125% of the financial need to cover tax withholding.
If you begin receiving installments based on life expectancy before you reach RMD age (currently 72), we calculate your payment amount using the Single Life Expectancy Table. When you reach the RMD age, you’ll have the option each January to request that we begin using the Uniform Lifetime Table instead. If you do make this choice, you won’t be able to switch back. If you begin receiving life expectancy installments after you’ve reached the RMD age, we must use the Uniform Lifetime Table.
Expanded support options
Now you have more ways to get your questions answered with our expanded support options:
You have 24/7 access to support using a virtual assistant, called AVA, on our website and in the Mobile App. AVA offers a secure way to ask questions about your account and can even connect you to a live ThriftLine representative through chat during business hours, when necessary.
The Secure Participant Mailbox in My Account is where you receive messages, documents, and statements about your account.
You will receive future quarterly statements electronically in My Account. You will receive your annual statements electronically in My Account and by mail to the address of record on your account.
You can add an alternate mailing address to your profile in My Account to receive mailed correspondence. You can opt in to receive text messages when transaction confirmations and statements are available in My Account.
Efficient online transactions
To save you time and reduce paperwork, we’ve introduced new ways to complete most transactions and requests entirely online:
In My Account, you can request transactions, upload forms and documents, and sign your name electronically.
With account access at your fingertips in the TSP Mobile App, you can scan and deposit checks1 for rollovers.
We continue to send you account-specific communications like statements, notices, and transaction confirmations through your Secure Participant Mailbox in My Account.
Beneficiary information
You can submit beneficiary information entirely online through a tool in My Account or by calling the ThriftLine. There are some changes to how you designate beneficiaries:
You’ll be prompted to confirm beneficiary information annually to make sure that it’s up to date.
The online tool for submitting beneficiary information through My Account allows you to designate equal distribution to beneficiaries easily without having to list specific percentages, unless you choose to. Right now, participants cannot use this tool in the Mobile App or if they are using a Safari web browser to log in to My Account. You can access this tool in My Account by using another browser such as Internet Explorer, Microsoft Edge, or Google Chrome.
Contingent beneficiaries don’t need to be linked to primary beneficiaries. Contingent beneficiaries only receive payment if all primary beneficiaries are deceased.
If you want to cancel a previous beneficiary designation, you need to submit a new one. You can’t choose the default statutory order of precedence once you’ve made a beneficiary designation.
Non-spouse beneficiaries are able to initiate payment online and select how they want to receive payment.
Loans
General purpose and primary residence loans continue to be available to you with some changes:
You can have two outstanding TSP loans, but only one primary residence loan, per account. That means you can have two general purpose loans for each account, or one general purpose loan and one primary residence loan.
The maximum amount you can borrow is the smallest of the following:
Your own contributions and earnings on those contributions in the TSP account you’d like to borrow from, not including any outstanding loan balance;
50% of the portion of your total account balance that is made up of your own contributions and earnings on those contributions (including any outstanding loan balance) or $10,000, whichever is greater, minus any outstanding loan balance; or
$50,000 minus your highest outstanding loan balance, if any, during the last 12 months.
The loan fee for a primary residence loan is $100. The loan fee for a general purpose loan is still $50.
The loan repayment period for a primary residence loan is 61 – 180 months.
You can use direct debit for non-payroll loan payments.
If you leave federal service with an outstanding loan, you can continue to make loan payments by check1, money order, or direct debit. You cannot apply for a new loan after you leave federal service.
You can request a loan even if you have a taxed loan, but a taxed loan that you haven’t paid off counts as an outstanding loan toward the limit of two per account.
You cannot voluntarily reamortize—change the term and payment amount of—your loan. Your loan payment amount only changes if there’s a change in your payroll schedule or following the suspension of loan payments during a period of nonpay status.
With some changes, we continue to support third parties in communications and transactions on behalf of a participant or beneficiary, such as power of attorney (POA), conservatorship, or guardianship.
There’s a processing fee of $600 for Retirement Benefit Court Orders (RBCOs) and Child Support Court Orders (CSCOs). We’ll deduct this fee from the TSP account when we receive a court order form.
Notice to participants sending checks to the TSP: Now, when you submit a check as payment, you authorize us either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction. For inquiries, please call 877-968-3778.
Changes: a Love Story is a 1991 novel by Ama Ata Aidoo
Ama Ata Aidoo
Ama Ata Aidoo, née Christina Ama Aidoo (born 23 March 1942) is a Ghanaian author, poet, playwright and academic. She was the Minister of Education under the Jerry Rawlings administration. In 2000, she established the Mbaasem Foundation to promote and support the work of African women writers.
, chronicling a period of the life of a career-centred Ghanaian woman as she divorces her first husband and marries into a polygamist union. It was published by the Feminist Press.
The title of the novel, Changes: A Love Story, refers to the numerous personal and cultural transformations that lie at the heart of the narrative. The changes that occur throughout the course of the novel take place both at the character level and at the societal level.
Esi meets Ali while trying to finalize travel arrangements for work, while Ali has made a life out of traveling and assisting others in doing the same.
She longs to finish school and get her degree but is constantly held back by Ali, who insists that he can earn enough money to support the family. She tries to resist Ali's desire for a second marriage but is eventually coaxed into it by the elder women of Ali's family.
Love Story tells the story of Oliver Barret IV and Jennifer Cavilleri, two college students, who get married. They have personal struggles but they can go through all of the problems until they know that Jennifer has Leukemia, and then she dies and leaves Oliver alone.
Changes: a Love Story is a 1991 novel by Ama Ata Aidoo, chronicling a period of the life of a career-centred Ghanaian woman as she divorces her first husband and marries into a polygamist union. It was published by the Feminist Press.
Like the theme of love, the theme of changes, or mutability, is well-worn in literature. However, Aidoo interweaves these two themes with those of gender, sexuality, patriarchy, polygyny and sisterhood--themes that are trenchant in contemporary cultural, especially women's studies, discourses.
She is unhappily married to her husband, Oko, with whom she has a young daughter. Esi and Oko often dispute over their assumed gender roles within the relationship, such as Esi's refusal to cook for the family or bear any more children. During one argument, Oko rapes his wife in an angry fit.
Through the portrayal of her three major female characters Ama Ata Aidoo conveys an intimate and gender-focused perspective on the themes of love and female celibacy, African women's marriage, sexuality within marriage, and motherhood in urban Ghana during the 1980s.
Oko Sekyi is at once a sympathetic and an abhorrent character in the novel. He loves his wife Esi dearly, not only for her beauty but also for her independence and intelligence. But at the same time, Oko resents her for exactly the same reasons.
Ali Kondey is the male counterpart to Esi's character. Attractive, intelligent, and well-educated, Ali is a worldly man. His job as the head of a travel agency suits his wandering personality, which constantly seeks not only new experiences, but new women as well.
A short story summary tells the story's important events without going into depth about the characters or setting. The summary of a short story is sometimes called a hook, news report, or teaser. It is an essential component of a literature prompt.
Jenny makes funeral arrangements with her father from her hospital bed. She tells Oliver to not blame himself, insisting that he never held her back from music and it was worth it for the love they shared.
Synopsis. The film tells of Oliver Barrett IV, who comes from a family of wealthy and well-respected Harvard University graduates. At Radcliffe library, the Harvard student meets and falls in love with Jennifer Cavelleri, a working-class, quick-witted Radcliffe College student.
The CLIMAX of the Love genre is the Proof of Love scene—the most powerful moment in a love story because it's when readers feel the love for themselves.
In most romance stories, the love interest is the protagonist's goal or the prize they end up with. In a crime novel, for example, the love interest's role is not necessarily central to the story, but helps to show the character of the protagonist. It can complicate his or her life.
Dom is faithful and a great provider, but the man she fell in love with ten years ago is nowhere to be found. When her girlfriends encourage Rosie to demand more out of life and pursue her dream of opening a restaurant, she decides to demand more out of love, too.
The theme of a story is what the author is trying to convey — in other words, the central idea of the story. Short stories often have just one theme, whereas novels usually have multiple themes.
A literary theme is the main idea or underlying meaning a writer explores in a novel, short story, or other literary work. The theme of a story can be conveyed using characters, setting, dialogue, plot, or a combination of all of these elements.
Back in the hut, Nana Serwah and the doctor tend to Yaw's wounds. They will not tell Akua where Abee and Ama Serwah are. That Akua's family history causes her to kill her children serves as an allegory of the way in which colonization and slavery has hindered future generations, both on the Gold Coast and in America.
Effia is the daughter of Cobbe Otcher and Maame. Growing up in a Fante village on the Gold Coast, Effia does not know that she is Maame's daughter. She is raised by Cobbe's wife, Baaba, who is resentful of having to raise Effia and beats her often.
Known as a beauty, Effia is intended to be married to the future chief of her village, but when her mother tells her to hide her menstrual cycle, rumours spread that she is barren. As a result, she is married to a British merchant, James Collins, the governor of Cape Coast Castle.
The major conflicts identified in the novel include: The communal land conflict between Okperi and Umuaro; a conflict that eventually culminated to full scale war between the two towns; the conflict between Ezeulu, the Chief Priest of Ulu, and his erstwhile white friend, Captain Winterbottom.
The first and most prominent is her relationship with her abusive father T-Ray. Lily and Rosaleen's decision to flee that house is the backbone of the plot. The second external conflict is Lily going against the society she is in, as she is a White young lady who develops romantic feelings for a Black young man.
Plot refers to the key events or sequence of events that appear in the novel.The theme or subject, on the other hand, is the author's message in his prose.
The Dilemma of a Ghost is Ama Ata Aidoo's response to the unwary Europeans who nurse the impression that Africa is savage. A lot of Europeans disparage Africa and in their individual books, they express their aversion for the continent by presenting Africa as being too primitive and without any culture and tradition.
setting (place)The narrative takes place in contemporary Accra, Ghana. foreshadowingAli's frequent absence from Esi's life and his decision to take her as a second wife foreshadow his future betrayal of her.
NANA – The matriarch of the house, she is a strong and authoritative woman who cherishes to silence people around her in her own distinct style. She speaks with a great experience at hand and thus feels to be superior and the most knowledgeable in the house.
The protagonist is the character who drives the action--the character whose fate matters most. In other words, they are involved in —and often central to—the plot or conflict of the story, but are also usually the emotional heart of the narrative. Sometimes it's easy to pinpoint who the protagonist is in a story.
A dynamic character is one who changes and evolves throughout the story. Often the protagonists of the novel, dynamic characters end the story as different people than they were at its beginning.
Their role in the story is to bring out some important element of the main character(s) in a way that is A) dramatic and B)interesting. The dramatic part is extremely important.
Short stories are self-contained works of prose fiction whose function is to impart a moral, capture a moment, or evoke a certain mood. Short stories are often more focused, as all the elements within—plot, character, pacing, story structure, and so on—must work together towards this common goal.
Just as they start a new life together, Jenny learns she has a fatal blood disease and dies. (Only in the book is the disease identified as leukemia.) "It was cliché, but it worked," says Ali MacGraw.
Gore and his wife, Tipper, were the models for the young lovers in his 1970 book and the subsequent movie starring Ryan O'Neal and Ali MacGraw. Those reports were half-true, Mr. Segal said: The character of the preppy Harvard hockey player Oliver Barrett 4th was modeled on both Mr.
Oliver (Stephen Amell) and Laurel had romantic feelings for each other in the beginning of Arrow, but at least one of them moved on. A love story between Oliver and Felicity took shape starting in Arrow season 2, culminating in a wedding in season 6.
It wasn't the success of Love Story, but was still made into a film the following year. O'Neal returned as Oliver, as did Ray Milland as his father. The female lead was Candice Bergen.
Hollywood Flashback: 'Love Story' Stars Ali MacGraw and Ryan O'Neal Look Back on Film Amid 50th Anniversary. "We didn't have to build chemistry. It was there, built in," O'Neal, 79, tells THR of playing opposite MacGraw's quick-witted, working-class Jenny from Radcliffe College.
Core Need. The core need of the protagonist in a Love story is connection. The protagonist yearns for connection, intimacy, and the assurance that another human being sees and knows them. This connection awakens during the Lovers Meet scene.
When in love, neurochemicals like dopamine and oxytocin flood our brains in areas associated with pleasure and rewards, producing physical and psychological responses like less perceived pain, an addictive dependence, and a stronger desire for sex with your partner.
Love changes us. It can bring us to some very dark places in our life, but it can also lead us onto an even better path. When I've fallen in love, it's always been this overwhelming feeling of bliss and freedom. The feeling of freedom is in the person I am and in my potential in life.
According to the Romance Writers of America, a romance novel must have a central focus on the development of a romantic relationship between two people. The other criteria for a romance novel is that it must have an emotional throughline and build to an optimistic conclusion.
Essentially, the three-act story structure involves splitting your romance novel into a beginning, middle, and end. Each of these sections include core plot points to keep up the tension and keep your reader turning the pages.
Love stories must grab the attention and affection of readers so that they never want to let go. The core emotion, however, is what a reader wants to feel–the reason they choose a particular type of story.In a love story, the core emotion is Romance.
People change when motivated by a sense of independence, a sense of competence, and a sense of connection to others. These motivations can be sparked in moments of extreme frustration when a person realizes their current approach is no longer working.
True love has the ultimate power to change us. Movies portray this in wild and diverse ways. Real life even more so inspires us to chase after wild dreams where love is giving us joy, significance, freedom and connection. He who finds love finds a good thing.
Lasting love is consistently linked to lower levels of stress. The positive feelings associated with oxytocin and dopamine production can help improve your mood, for one. Research from 2010 also suggests single people may have higher levels of cortisol, the stress hormone, than people in committed relationships.
Biology, upbringing, personality and experiences all influence the way an individual likes and needs to be loved. Being different in this way isn't a problem. In fact it's one of the things that makes relationships a rich and wonderful experience.
Usually, the first act is called the Setup, the second act is the Confrontation, and the third and final act is the Resolution. The Setup is the first 25% of the story, the Confrontation is the middle 25%-75%, and the Resolution is the last quarter, 75%-100%.
Address: Apt. 935 264 Abshire Canyon, South Nerissachester, NM 01800
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Job: Forward Technology Assistant
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Introduction: My name is Nathanial Hackett, I am a lovely, curious, smiling, lively, thoughtful, courageous, lively person who loves writing and wants to share my knowledge and understanding with you.
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