Now that the heating season is in full swing I don’t want you to choose between heating and eating this winter. When I got my last oil bill I noticed that I was paying $6.44/gal. Even though I don’t have a contract I thought that was high. I hate oil contracts because if you make out… Read More
This is a great article and video series that mostly pertains to the “red-state teacher hell” and why there is a massive teacher shortage across the nation. Basically, the schools reflect the political chaos of the nation. What many of the veteran teachers state is that “it used to be so much better”. I can’t… Read More
The New York Times wrote a great article about Ron Desantis’ year as a school teacher in between his Yale graduation and attending Harvard Law School. Unfortunately, it was at an elite private school, in which tuition now tops $50k/year, and not a public school, otherwise, he would have learned a lot more about the… Read More
Click here to learn a little about inflation and why I feel it’s transitory, meaning it will eventually subside. … Read More
This is what the latest big data studies reveal: 1) students placed in higher quality classrooms earned substantially more 20 years later 2) both the early and later grades matter, perhaps the later grades even more 3) this applies not only to incomes but to health, happiness, increased civic engagement, and less likely to commit… Read More
Target Date Funds are great for their simplicity if they are in a tax-deferred account like an IRA, 403b, 401k, or 457 plan. However, these funds can create nasty tax surprises if you have them in a taxable account. They can distribute a large amount of capital gains that you will get stuck paying taxes… Read More
You know it’s bad when the superintendents are forced to substitute teach. The sub drought shows no sign of abating. In most districts, it’s all hands on deck. with many school employees being pulled from their jobs and many people are literally being pulled off the street to help cover classes. Must admit, as a… Read More
If you just peruse headlines whether online or in paper form, the media would have you believe that Teacher’s Unions across the country are going on strike and ruining public education, and being a major inconvenience for the public. In fact, 98% of teachers are in school teaching and only 2% were not. The title… Read More
You can thank two teachers for the Dallas Cowboys being 11-4 this year. The teachers, one a former HS Biology teacher and the other a professor of Digital Strategy and Innovation were hired by the Dallas Cowboys to teach their coaching staff how to teach/coach their players when the team was forced to go virtual… Read More
Here are the worst investment moves that I have found over my 30+ years as a teacher. They are in order of worst to best. Drum roll, please… Do nothing. Meaning not investing in your 403b even a bad one. Choosing or listening to a bad broker and investing in a guaranteed investment contract. Many… Read More
During the course of my 30+ years as a teacher, I have found that many of the 403b providers that are in our schools try to sell you annuities that are high in fees and commissions which can be a drag on your investment returns. This has now been corroborated by the New York Times… Read More