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Note: This web site and Bookhaven Press LLC are not affiliated with OPM or any federal or military entity. If you need assistance with personnel or retirement issues requiring HR or personnel actions contact your agency's personnel office. Retiree's must contact OPM's retirement services. Do not send official forms and documents to us, those items must be sent to the appropriate federal entity for review and processing. If you have questions about benefits, finance, and retirement in general visit our FAQ page or Sitemap and contact our Forum hosts via email to ask them specific questions.

Merger and Acquisition (M&A Opportunities)
Bookhaven's Internet properties offer companies considerable exposure to federal sector markets. We focus on retirement planning guidance, employee benefits, and financial planning. If your company is exploring or expanding their footprint in these markets call us at 412-494-6926 to discuss your interests. Ask for Dennis or Vic. Of the 88 key phrases we track 87 are on page one of Google search results. Click on the buttons below to view key word Google searches for our top two sites:



This site helps federal employees and retirees find the information they need to make informed decisions about retirement and benefits and it also provides retirees with abundant resources targeted to their specific needs. We are constantly improving and adding new features and writers to assist federal employees and retirees with whatever they need to make informed decisions concerning their retirement. 

Most federal employees attend agency sponsored retirement seminars prior to retiring and return with more questions than answers. They are confused about many things – mostly things that were not covered at the seminar such as what they would have to live on in retirement (from all income sources), what the spouse would have to live on when the retiree dies and most importantly, you need to know if you are financially able to retire.  You also must be familiar with basic estate planning and probate avoidance techniques. Little help is available from agencies for other than eligibility requirements and application assistance. This site will help you determine:

  • What you will have to live on in retirement
  • What your spouse will have to live on after you die
  • Benefit options
  • Insurance options
  • Financial considerations including estate planning processes
  • What survivors need to do plus easy-to-follow checklists to help them through difficult times
  • What other resources are available will get you seriously thinking about your personal situation. This site was launched in early 2004, when Dennis Damp retired with 35 years and 7 months government service. Damp understands the federal retirement and employment systems from the inside out and he is the author The Book of U.S. Government Jobs, Take Charge of Your Federal Career, and several other career and business books.

Dennis Damp founded Bookhaven Press LLC in 1985 to publish informative career, business, and finance books while still employed with Uncle Sam. Bookhaven Press also published the following helpful web sites, several of whcih are now affiliates:

Bookhaven Press Sites:

Affiliate Sites (Now run by Federal Media Newtwork, LLC)


Site Host & Owner

Dennis DampDennis V. Damp, host of, is an author, veteran, retired federal manager, retirement planning counselor, and business owner. He retired from federal service with 36 years government service. Dennis is the author of 28 books and has been a guest on hundreds of radio talk shows, CNN’s “Your Money” shows, lectured at universities, produced Internet web sites, and written hundreds of retirement planning and federal benefit articles. His books were featured in the Wall Street Journal, Washington Post, New York Times and U.S. News & World Report.

Damp served on active duty with the Air Force and afterwards with the Air National Guard. He worked for the Department of Defense (DOD) and transferred to the Federal Aviation Administration (FAA) early in his career. His last position was technical operations manager at the Greater Pittsburgh International Airport's air traffic control tower. You can sign up for his retirement planning newsletter or visit his blog at Damp expanded this site based on the research he had to do to prepare for his personal federal government retirement.

Damp’s books and web sites are based on his many years in management where he was responsible for recruitment, outreach, retention and career development. His 11th edition of The Book of U.S. Government Jobs was awarded "Best Career” title by the Benjamin Franklin Awards Committee in 2012 and it was a Foreword Magazine finalist for “Best Career & Reference” title that same year. It presents an insider's view of what it takes to go from job hunter to hired employee, and everything in between, to improve a job hunter’s chances of landing a high-paying government job.

Books by Dennis Damp:

Site Testimonials

"I spent 3 hours on the web looking for answers for questions concerning retirement. After a Google search yielded your address, it took only 20 minutes to find all of my answers! Thank you!!!"  Rod H
  • 6/4/23 - Your newsletter is one of the few newsletters full of valuable information. Thank you for taking the time to gather information and making it available to the annuitants.  Shanaz.
  • 11/12/22 - Thank you Dennis -- Your efforts with Bookhaven are much admired and appreciated. You. Tammy Flanagan, & Erich Wagner put out much needed info for our Fed community.
  • 8/17/22 - Please allow me to once again thank you for all the amazing information and retirement planning tools you provide on the website. My wife and I are both current Federal employees and are looking at our options for retirement. The information you provide is extremely helpful and we’re thankful for you folks providing it.  Tom V.
  • 6/18/22 - I look forward to early Saturday mornings for your articles to arrive and when you do not do one, I miss it. Love the information, and pretty simply put. Murielle
  • 3/29/2022 - Sign up for this e-newsletter. This is common sense financial advice geared towards preparations for federal retirement.   Readers are leaders – but you must first effectively lead yourself! Mr. Damp is a blessing!  Kevin W.
  • 12/2/2021 - Good day Dennis, I follow you and your advise, and wanted you to know in this season of gratitude that I am grateful for your seasoned and sound expertise... Thank you again for the wealth of knowledge you provide, the diligence you put into researching, and sharing information for your audience that is understandable! Kindest regards, Cathy
  • 11/14/2021 - Found this site by accident. So very helpful and glad I found you. Valerie
  • 8/30/2020 - Well written article and so true. I always look forward to your articles and this one was very timely.  Steve
  • 8/2/2020 - Please know that your honest, candid, and transparent newsletter is very refreshing, thank you! The one prior to this about your hard working family, and your own experiences was very good, thank you for sharing. Cathy
  • 5/17/2020 - Finding ACCURATE help was the most challenging part of retiring. I went to 2 retirement seminars over the years and was left more confused.  You were extremely helpful, by email and reading your blog. I wish I had found you years ago. Nancy B.
  • 2/23/2020 - Thank you! Thank you for all the information time and effort it takes to put this newsletter together. More importantly thank you for sharing a bit of yourself. Congrats on a great year and hope 2020 is even better!!  Kim 
  • 12/6/2019 - Thanks so much Dennis for taking the time to answer and all the great information and links. John M.
  • 10/12/2019 - Hello!  My husband is a federal retiree, and we have benefited immensely from your newsletter  prior to, and now during, retirement.  It is well written, current and so helpful because of its focus on the unique situations of federal employees and retirees. I have especially valued your take on the down to earth topics like health insurance, budgeting and retirement preparation. I just want to say a HUGE thank you for the time and effort you have put into your newsletters and articles! Maureen F, CA
  • 10/10/2019 - This site saved us when we were planning retirement and didn't know what to do about healthcare. We have been very happy with GEHA. My 2 retirement seminars were quite lacking to say the least. Nancy
  • 10/7/2019 - I find your Retirement Lifestyle Newsletter to be very informative, useful, and spot-on. You very often address issues of concern that I (a 64 year old federal retiree) find extremely beneficial. Dan D
  • 7/1/2019 - Thank you very much for this information! You are the first person that could give me a complete answer to my questions.  Katrina
  • 10/29/2018 - This website offers great information and I wish I had discovered it earlier. Thanks so much!  Your clear and comprehensive articles are much appreciated, and I will share them as well as newsletter info with friends on the cusp of retiring. Susan McCoy
  • 6/11/2018 - I send this email to express my gratitude to Dennis V. Damp. I sent an email early Sunday morning, June 10th, 2018 requesting, actually pleading, for someone, anyone, to help me find where and who I need to contact so I would be able to  resolve an issue that has been ongoing off and on for many years regarding my retirement. Because Im a former federal employee I was having a difficult time, for years, trying to find the right "agency" that could AND would listen and hopefully resolve my problem. Anyway, after going around and around with many different "agencies" over the years I received an email from Mr. Damp within 12 hours of my email submission on this site. The information Mr. Damp sent me about where and who he thought could and would help me was spot on. I contacted his recommendation this morning, June 11, 2018, and after all these years of frustration of searching there is a light at the end of the tunnel. I cannot thank Mr. Damp enough for his prompt and knowledgeable response to my plight. What a kind compassionate individual Mr. Damp is. I'm absolutely sure that his positive get it done right attitude make him a very valuable asset in your employ. So I will close with one more thank you to Mr. Damp. Patricia M Crow 
  • 4/23/2018 - After finding and reading your blog posts, I researched and signed up for GEHA. I had never heard of GEHA, but it sounded good, worth a try. We both just went to the dentist, post retirement, and GEHA paid 40% of our bills. That's just amazing, BC/BS didn't pay enough to cover postage. We are paying Medicare, my retirement annuity is still in the estimation stage. I think you have saved us as much as $300-400 a month by using GEHA. Thanks again....   Nancy Pinckley"
  • 10/5/2017 - Thanks so very much for continuing to send out your Retirement Lifestyle Newsletter. I so often see things there that I feel I should have gotten directly from OPM, but have not - as a current example, my next year's insurance rates. Your work is appreciated; it has so often been very helpful, especially as I was attempting to understand Medicare options. Bob, Kansas City, MO - retired IRS Public Affairs officer
  • 9/6/2017 - Thank you Dennis for all the great information. Please keep up the wonderful work, of keeping all of us informed. I work for the US Postal Service and I am so ready to retire, I've been with the federal government for about 23 years and I'm looking to retire between the next five and eight years so there is a lot of preparation at hand for me. And it is all a little confusing for me, but I'm trying to make sense of it all. ... Your articles have been very helpful in this process so again thank you so much and please keep the information coming.
  • 8/30/2017 - I am witting this letter to you to "thank you" for the invaluable information contained in your July 4, 2015, article titled "TSP - Ways to Safeguard Your Heirs Inheritance." Your insights may well have saved our children avoiding a future immediate tax payment totaling - hundreds of thousands of dollars... Thank you again for the wonderful work you do and for saving our family from what could have been a horrible mistake in our future finanical planning, damaging our children's economic future. That won't be happening now! Best Wishes, Donald B.
  • 11/19/2016 - I am sure glad we retirees have a guy like you that is sharp enough and motivated enough to share vital info. Robert
  • 11/16/2016 - Thank you very much. It works beautifully. I do appreciate your responding back and presentng a solution. You are a breth of fresh air around here! Frank
  • 11/12/2015 - Thanks for your insight on the new Open a Season plans. George
  • 10/30/2015 - Your newsletter is so informative for all of us and I am sure, like me, we all appreciate your hard work. Abby
  • 6/17/2013 - Thanks for all that you do for federal retirees.  I have shared your link with many of my friends.  Due in no small part to you, I have a wonderful retired life with a fun new career and am in a good place financially. Cindy
  • 12/11/2012 - Linda - Thank you so much for the quick reply as well as the valuable information. Planning for my retirement has been a difficult process... It is so refreshing to know that someone like you is available for questions. Joan
  • 10/1/2012 - I suppose any cola will look good compared to what we have received recently. Your information is very helpful.  Gary
  • 4/9/2012 - Thank you so much for helping to clarify all of the variables affecting my decision. It will most certainly help me choose which is right for me. Daniel
  • 2/21/2012 I love reading your articles... Keep up the good work in your clear delivery of information that isn't always easy to grasp. Fran C.
  • 2/6/2012 - Linda, Thank you so much for this info. You're a life saver.  I don't know why this is so difficult to find on the OPM site. Cheers! g
  • 1/22/2012 - Linda, Thank you for your reply. Your answers helped clear up many questions! John
  • 12/16/2011 - Thank you for your insight throughout this process which has been very stressful. Have a great holiday. Linda L
  • 10/11/2011 - Dennis. I’ve enjoyed your articles and have found many valuable ideas in them. Tammy Flanagan, Edward A Zurnforfer and you are my 3 ‘go to’ experts that I seek out when I have any questions. Thank you again for your insights. Nick R.
  • 9/4/2011 - Thank you Linda!! This answers that question for me. OPM told me to call DFAS who turned around and asked me to call OPM. My Civilian Personnel Office had not a clue and our base finance told me to contact the National Records Center (NRC). According to the Finance Office, the NRC would tell me how to get my deposit back. I found purely by accident. Glad I did. Thank you again!! F.C.
  • 8/01/2011 - Thank you for your reply.  This does clear things up for me much to my relief. Gary L.
  • 7/26/2011 - Last year you helped me get my Military Buy Back going and I appreciate it. The differences between military active duty retirement and active duty accomplished as a reservist was very confusing to people. It took six months of back and forth to finally get it accomplished. Thank you. You are definitely the expert! David
  • 4/18/2011 - You are 100% correct in your guidance. I am extremely appreciative of your support and cooperation in this matter. Thank you for your professionalism and leadership in showing me the way forward.  I have gained a vast amount of knowledge from you in our communications.  Take care, and again, thank you very much for the solid advice and guidance. Leonard.
  • 01/05/2011 - Thanks for all the concise info.  It would have taken me days to find it. Judy
  • 11/10/2010 - Many thanks. A much better answer than given by our own benefit counselor!  Michael A
  • 09/11/2010 - I spent 3 hours on the web looking for answers to questions concerning retirement. After a Google search yielded your address, it took only 20 minutes to find all of my answers! Thank you!!!"  Rod H
  • 09/20/2010 - Thank you very much for your guidance. Threading my way through the legal system and trying to get a straight answer from OPM has been very frustrating, and I appreciate the information you provided. It's good to have an disinterested third party who's willing to share their expertise. Thanks again, Darrell
  • 09/18/2010 - Wow.  Awesome email--thank you SO much for taking the time to respond.  You helped a lot. Ed
  • 07/03/2010 - Thanks Dennis, and thank you again for all that you do for your fellow retirees. I appreciate you giving your time. Ron
  • 03/02/2010 - Thanks for the info. You have given me more info that I can use in two days than I have received in the last 6 months. Thanks again Glen
  • 02/04/2010 - This is very helpful.  It’s hard enough getting through to anyone at human resources to answer questions, let alone getting to someone who can actually answer your questions.  Your answers are clear, concise, and to the point.  Thanks so much. Best, Lisa
  • 11/04/2009 - Thanks you so much for your informative response. You are the first person who could explain this to me in a logical fashion. And yes I will enjoy retirement (after 38 plus years of service). Kevin
  • 01/14/2008 - Your detailed answers really helped me and gave me confidence that I am choosing the right date for me as a CSRS offset employee. You offer so much good, practical advice. Margaret