Financial Education for Colorado Educators (and those they love). Absolutely Free.
I've written about inflation several times previously (here, here, here, and here), but it's a topic I keep returning to because I feel like it's a concept that many people still don't really understand. And, unfortunately, that often means they reach invalid conclusions, which can lead to poor financial decisions and/or lead people to just … Continue reading Inflation (again)
Colorado PERA is required by the state legislature to submit various reports on a variety of topics. One of these is the annual Signal Light Report (2024 Report PDF, based on 12/31/23 valuation), which is designed to give a "status update" on PERA's progress toward full funding by the 2048 goal. It attempts to take … Continue reading Colorado PERA’s Signal Light Report
I just wanted to share my latest book (written along with Ronna Overman), this one for employees of Kansas Public Schools, focusing on financial literacy and making the most of their KPERS pension benefits. Please consider sharing with any educators you know in Kansas. This is the latest in the TL;DR Financial Literacy series. If … Continue reading TL;DR: Financial Literacy for Employees of Kansas Public Schools: Optimizing Financial Decisions Based on Your KPERS Benefits
The Colorado Sun recently published an article on a lawsuit filed by several school districts as well as private contractors against Colorado PERA. While the article does a decent job of laying out the concerns from the school districts, it does not lay out PERA's reasoning. This is often the case in these situations because … Continue reading Colorado PERA, Substitute Teachers, and Independent Contractors
I just wanted to share my latest book (written along with Trevor Deighton), this one for employees of Utah Public Schools, focusing on financial literacy and making the most of their URS pension benefits. Please consider sharing with any educators you know in Utah. This is the latest in the TL;DR Financial Literacy series. If … Continue reading TL;DR: Financial Literacy for Employees of Utah Public Schools: Optimizing Financial Decisions Based on Your URS Benefits
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 … Continue reading Salary Schedule Lanes: Your Million Dollar (or two or three) Decision
Fisch Financial 