Let me be clear, many of you should not. Many of you should hire a full-blown certified financial planner (CFP) who uses a fee-only method (as opposed to percentage of assets managed). This is especially true if you have a more complicated situation such as owning multiple real estate properties, or being part of a […]
Read MoreYou should hire a financial planner. You really should. This service is for those of you who won't (at least not yet)...
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Health Insurance: PERACare vs. the ACA Marketplace
First, a caveat. Health care – and health insurance – are complicated and nuanced topics that are heavily influenced by individual circumstances and options. The following post should be generally applicable for folks who are in a similar situation as we are, but you should always investigate the particulars for your situation carefully. This post […]
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Salary Schedule Lanes: How Much Difference Do They Really Make?
Many school districts have a salary schedule for teachers where your pay increases based on a combination of the number of years you have taught in the district (“steps”) and the educational level you attain (“lanes”). While steps are automatic (well, except for the occasional bad budget year where steps are frozen), lanes are dependent […]
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Are the WEP and GPO “Fair”?
Like many teachers, the first time I heard about the Windfall Elimination Provision (WEP) and Government Pension Offset (GPO), my first response was, “That’s not fair!” Why should my Social Security benefit (by WEP) or Social Security Survivor’s Benefit (by GPO) be reduced simply because I worked as a public employee and earned a pension […]
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