Q. I am reading the article, “It is not too late to retire in 2009 or plan for 2010 or 2011.” I understand that federal employees should retire by the last day of the month to get their annuity starting from the first of the following month. Example: Federal system employee can retire on Dec. 31, 2009. The annuity will start from Jan. 1, 2010. However, the pay period ends on Jan. 2. The employee will lose annual leave for Friday and paid leave on Saturday and Sundays? Though those days will be paid much less under the annuity. Is…