Assuming you were in 100% control of all of retirement investments a good financial plan would be to have a mix of equities and bonds, further broken down by hi/low risk, short/long term, US/Int’l, etc. SS is your safe “investment”. The rest of your portfolio should be constructed with that in mind - the more you will collect from SS each month the more risk you can take with the rest. If you were free to put all of your SS money in equities then you would put a big chunk of your other investments in safer vehicles. it all evens out.
OT: Property tax relief coming for those over 65
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Read the study I linked, It lays this out really well. It raised taxes for 30% of NJ citizens, and 30% of NJ don't make over 216k.
Are you looking for a breakdown by states of the Trump tax reforms? Here is the NJ.com article that linked to the Tax Policy Center data:
Trump tax law slams N.J. harder than any other state
A new analysis says more than 1 in 10 New Jersey households will see their taxes rise this year.
Bottom line in NJ:
60% of households received a tax cut
30% of households were unchanged (+/- $500)
10% of households received a tax increase
I don't disagree. I would love to get rid of them because they make my job much harder. But, I have to accept that every job has them, and in education, currently there's no one to replace them.
Does your spouse collect on your earnings or do they take their benefits based on their own record?
You’re almost there! Your right that through newly elected school boards districts are catering to crazy parents.
Now let’s evaluate Cause and effect what’s the end result of this? I’ll give you a hint, it starts with a ‘T’ and ends with ‘eachers Shortage’.
You see you would have learned basic critical thinking skills like this at a fine institution like Rutgers had you actually attended
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Depends on how and when they start. We are starting my wife's in a few months and upon my passing.. assuming I go first , her benefits would switch over to mine but loses hers. Can't have both.
Uhhhhh it’s the young ones who are leaving the profession and current college students that considered teaching choosing to pursue other careers, THAT’S the issue, THAT’s why there’s a teacher shortage.
Do you REALLY wanna know what’s changed? You’re really that out of touch to not be able to figure this out? I’ll give you a hint, circa 2016 EVERYTHING changed. I’m not getting into the specifics of it all but a certain someone with a large platform normalized treating those you disagree with like assholes.
We as a society had moved past adults calling each other names but a certain idiot brought that back into light. As a result in the last 7 years especially in the last 3 since Covid parents who see that behavior normalized start applying it to other aspects including school board meetings and teachers have had enough! Look you can live in denial about this all you want but the proof is in the numbers. Take a look at when teachers started leaving in droves and you will find that this has all happened in the last 7 years…. Hmmmm wonder why? You won’t like the answer even though it’s staring you in the face!
But they're not ALL crazy. Remember the Dad arrested in Loudon County. It turns out, as was later reported in the Washington Post, that his daughter had indeed been sexually assaulted by a self-identified trans student in the school women's room. That was followed by a quiet transfer to another school followed by a second assault which finally resulted in criminal charges.
I’m sure you can find specific examples of where the schools were wrong, they’re not indefensible. It’s kinda like the police force, yea there’s some bad cops but does that mean that all cops are bad and we don’t need them? Of course not!
Look man, the results are undeniable. There is no question that there is a nationwide teachers shortage that has come about in the last 3-7 years specifically, and those like yourself are fully capable of u derstanding why that is, you just don’t want to. It’s really that simple. Though you’ll also find that Private Schools often have worse teacher shortages than public schools. They often times pay less and have a narrower pool of teachers to pull from.
Sucks reading want you don’t don’t want to hear I know, but if you want the teacher shortage to go away, stop acting a fool at school board meetings and telling teachers how to do their jobs. Do you go to the Dr and tell him how to do his job? Didn’t think so, what you do is work with your Dr so that together you can overcome a sickness or ailment. Parents don’t want to work with teachers anymore, they want to tell them what to do.
Lastly you brought up Reading writing and arithmetic as what kids should learn in schools, did they not teach ‘Social Studies’ in your school? Maybe you should look at the name of that subject and realize we have ALWAYS been taught about society in school😂
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If it raised taxes for 30% of NJ citizens, then it cut taxes for 70%. Yes, some of those 30% make under 216K. Most make much more. It's the most prosperous who pay the highest state and local taxes and so they are the ones most likely to be limited by the $10,000 cap. Read the report I linked.
Statements like this imply you live under a rock. Good sir, you are the embodiment of ignorance with that statement
That Greg Schiano is a dogshit football coach and insane politicized parents are the reason teachers are leaving? Oh no I’m correct on both of those. You’ll find out in time, it’s unavoidable at this point
Actually, all I did was add running to a previous post. And I still stand on the belief that exercise is a necessary component, particularly for K-6. And were not only taught history, but also some very basic biology and chemistry. Social studies wasn't on the curriculum. And actually some astronomy, as every room in my K-6 school had a TV brought in for John Glenn's launch.
I'm not sure ALL privates have worse shortages. Some? Sure. But they can take some who applicants who don't meet state licensing requirements.
My apologies, that was a different poster. I do agree that physical activity is necessary for kids success. All kids, not just boys need time to get energy out (again referring to the moronic posters who still believe ‘boys will be boys’).
History is ‘Social Studies’. By studying history we are studying what the society was like back then, did you not learn about society back in the the 1700’s? Were you not taught about the Industrial Revolution and key people who advance society that were not politicians like Benjamin Franklin and Nikola Tesla? Were you not taught about McCarthyism? The Haymarket Riot? The Great Depression? Did they leave out the lessons on slavery and the desegregation of schools? Those are lessons about society, aka SOCIAL STUDIES
Not all privates are under hiring shortages no. Specifically Christian schools are getting crushed right now with teachers leaving. They pay less and have a narrower field to pull from, also no one wants to be a nun anymore so the catholic schools are getting screwed.
There’s been 5 different Christian high schools within an hours drive of me in silver spring Md that have closed down in the last 5 years due to lack of funding/teachers.
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Do you project like this in your real life or just your tough guy internet persona?
You won’t see me defending either of the people you mentioned in your post. But continue on your self righteous rant.
You forgot to say, look man, when you are trying to make your point.
When something is obvious and people are dancing around the elephant in the room yeah I call it out.
Look man,😉 the reason for the teacher shortage is obvious, how do we make progress if we can’t call out the issue?
If we met in real life, you’d see that I’m as real as it gets, what you see here is what you get. There’s nothing tough about this, I just have no problem telling people the truth. Even when sometimes they don’t want to hear it
Social studies was on the curriculum you studied. The history you learned in elementary school was classified as social studies. I'm sure you also learned something about the Constitution and American government -- also classified as social studies.
BTW, one of my elementary school memories is that the teacher asked how banks make money. I was the only person to say, "by lending out money at interest." The teacher loved the answer, and everybody else was amazed. They thought banks made their money charging safety deposit fees!
I’m a straight shooter. Pretty much to a fault. But one thing I do is to not say “you’re wrong” or force my opinions on others when I do not agree . I listen, I debate but I appreciate others opinions. As I said earlier in this thread. I have many family members that are cops/teachers etc…. The teacher issue has been going on for greater than 20 years and cannot be attributed to one person in 2016. But as you said people are more polarized with their opinions and the media is playing it up. Crazies have been trying to force their will at BoE meetings since there have been meetings. The issue now is that the NJEA is politicized and agenda driven.
When leadership of a union that is representing their constituents who claim to be “underpaid” (not my words). They sure as shit should not me making 7 figure salaries. May be that is the reason that people are attempting to take back their schools.
That’s not the reason why teachers are leaving though. More teachers are leaving now than ever before with fewer college students pursuing the profession. I’m sharing information I have gotten directly from 2 of my best friends, both of whom are former teachers who left the profession to peruse other interests within the last 5 years.
This isn’t about unions and pay, it’s really not. This is about teachers getting sick and tired of parents going insane over things like CRT and pride flags and not wanting to be on the front lines of those parents political battleground. I’d encourage you to ask a teacher, they’ll tell you
I have plenty of family members and friends that are teachers. They all to a man/woman say the issues are union agenda and their media campaigns which lead to issues in politics and less to do with parents.
Strange parents have always been there. The topic changes.
We’ll have to respectfully disagree in regards to why there is such a recent spike in teacher shortages. Union issues have always been there, just like some crazy parents have always been there. Things changed really during Covid, that was when the dam broke if you will. The numbers back up everything I’m saying man😉. When I’m right on something, yea, I’m right. Maybe to a fault but I’m always gonna shoot straight
I had grandparents. I didn't need school to know about the Great Depression. They squeezed a nickel so hard that the buffalo shit. Declaration of Independence, Franklin, Edison (this was New Jersey), Constitution and Civil War/slavery were K-6. McCarthyism and Haymarket what was then junior high school. Tesla?
Teachers don’t have to be in the union. Are you saying the reason teachers are leaving is centered around issues with the teachers union?
Don’t disagree that a lot changed during Covid. One of the things that happened was weaponizing the virus by the NJEA to push through much of their agenda. Listen we probably agree more than we disagree. But I have work very closely with leadership of that union on certain projects. They are not looking out for the interests of children.
Really? See how long a teacher lasts in a system without being in the union.
Oh we don’t disagree at all about the unions agenda. Where we disagree is that’s the cause of more teachers leaving now than prior. I unapologetically will state it’s the parents weaponizing school boards for political agendas more than anything else that has caused that number to spike, specifically since Covid
Yea he’s wrong on that. Teachers are forced into the union if they ever want to sniff tenure
And kids today’s grandparents remember the depression?
The fact that you don’t know who Tesla was and have opinions on how schools should be run is truly horrifying
I agree with parents weaponizing school boards also. See now let's have a beer.
I can speak of family members and friends, that teach in underserved school systems that were ready to walk away from 10-30 year careers. Because of how their children and parents (who lack the ability to stand up for themselves) were treated by superintendents, principals and union leaders from 2020-23.
We as a society need to get back to the middle. Too far left and too far right!!!!
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No union and you are blacklisted and suffer the consequences. Tom is just a union apologist.
I know who Tesla was. But I didn't in 6th grade, just like 99.99% of my contemporaries.
Time to stop digging. We all know the truth about NJ teacher unions. Move on to the next union talking point.
Catholics aren't exactly flocking to Silver Spring either, so it isn't just the teachers bailing causing the schools to close...
Ok, now I see. You are in MD. I don’t know what is going on in MD with the schools, maybe not all of the issues you see there are playing out the same way, or to the same degree, in NJ
I did not support or attack the NJEA. I asked a question because he said teachers are leaving because of the union. Since teachers do not have to join the union I wondered how the union impacted their reason they left teaching instead of just leaving the union
If tenure was the reason why stay in the union after they received tenure?
Why don’t you just move districts? My wife just started teaching, has no teaching background, did alternate route and she will hit 6 figures year three.
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