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  1. sschullo

    Potential crash?

    We have all planned for growth and downturns. Stick with your plan no matter what.
  2. Hi krow36 Couldn't find the thread where you asked me about Mr. Simon's terrific articles. Here they are: https://www.morningstar.com/articles/902822/scott-simon-article-archive.html Steve
  3. sschullo

    Fire Savers Race To Retirement

    They are hoping for a January or February release.
  4. sschullo

    Vets come in, help the rookies

    Hey Dustin!!! What is your problem! :- ) LOLs! Making $80.00 an hour and TIPS driving boats as a summer job! Wow!!!! That's great. Seriously, for me, I was at one school for 14 years (out of the four different schools I taught plus UCLA extension), and I needed a change. I was the computer lab teacher and classroom teacher. It was very refreshing to me to have an outside the classroom position for a few years and then go back into the classroom, made me a better teacher. But we all know teachers who have taught the same grade, same subject, same classroom, same school for 30-40 years and still are passionate and enthusiastic. THAT'S NOT ME! I love change, and I get passionate and excited about change, because I got out of my comfort level and met new teachers, new principals, new schools. That's exciting for me, but I know it isn't for everybody, most people do not like change.
  5. sschullo

    Vets come in, help the rookies

    I also taught on Saturdays and evenings at UCLA extensions educational technology for teachers seeking their credentials. I just did a Googled on side gigs for teachers and came up with the list below. Perhaps somebody else would offer addtional ideas. 33 Legitimate Ways Any Teacher Can Make Extra Money https://www.weareteachers.com/ways-teachers-can-make-extra-money/ Apr 19, 2018 - 33 Legit Ways Teachers Can Make Extra Money. Sell your lesson plans. Teacher Pay Teachers has changed the way teachers get and share content. Try tutoring online or in-person. Write an eBook. 4. Make money by flipping furniture. Sell your stuff. Buy and sell designers brands. Become a picker. Drive for Uber or Lyft. The 15 Best Side Hustles for Teachers - Side Hustle Nation https://www.sidehustlenation.com/best-side-hustles-for-teachers/ Dec 4, 2017 - Here are the best ways for teachers and educators to make extra money ... have time to spare, babysitting would be a good side gig to consider. The Best Side Hustles and Summer Jobs for Teachers https://www.thebalancecareers.com › ... › Job Searching › Job Listings › Part-Time Jobs Aug 24, 2018 - If you're looking to earn more money this summer, here are the perfect opportunities for you. Tutor. You're already great at educating. Camp Counselor. One job that is always in fashion in the summer is the role of camp counselor. Tour Guide. Freelance Writer. Babysitter. Online Teacher. Brand Ambassador. 20 Modern Ways For Teachers to Make Extra Money in 2018 | Bored ... https://www.boredteachers.com/teaching.../ways-for-teachers-to-make-extra-money Jan 31, 2018 - It's not only a clever way to earn some side cash, it's a time-saver (and ... online is a fun way for teachers to earn extra money while doing what they do best, .... those looking to make some extra income around their day jobs. 30 Side Jobs For Teachers That Are Online | The Money Making ... moneymakingteacher.com/30-side-jobs-for-teachers-that-are-online/ Mar 13, 2018 - After seeing countless people asking what kinds of side jobs are for teachers, I decided to compile a list that would allow you to work part-time ... 12 Ways to Make Money on the Side as a Teacher | Edudemic www.edudemic.com › Articles Oct 20, 2015 - Let's take a look at some of the best approaches out there. (Note: We've chosen to focus on jobs that will directly call on your skills as a teacher, ... Best Side Hustles for Teachers to Make More Money During the ... https://millennialmoneyman.com/best-side-hustles-for-teachers-to-make-more-money-... May 3, 2018 - These are the best online side hustles for teachers and anyone who: ... This gig is flexible, makes a decent income, and impacts lives across ... 12 Side Hustles Perfect for Teachers to Earn Extra Money - Wallet Hacks https://wallethacks.com/teacher-side-hustles/ Oct 23, 2018 - For many educators, a side hustle is a must because many areas don't pay ... The best part is that you can often get paid in cash or turn it into ... it all depends on your writing ability, skills, and the gigs you're able to secure. Eight Perfect Side Gigs for Educators | Education World https://www.educationworld.com/eight-perfect-side-gigs-educators What if a job for supplemental income actually led to better lessons, free meals ... Today, Education World shares a variety of side gigs that are just perfect for the ... Any opportunities with you admin credential? My story of how I got my tech coaching position. I gave one of my many 3 minute public talks to the Board of Education over the 403(b) plan. This one time my future boss was in the audience and heard my talk and he offered me the tech coaching position in the hall right after the talk! I interviewed with him several times before but never offered me the job. He said that I now understood the bureaucratic "system". My talk was about the 403(b) and he was right that I really understood the system, but had nothing to do with educational technology!
  6. sschullo

    Vets come in, help the rookies

    1. Take approved for credit/salary point workshops to increase your salary to the top of the scale. 2. Get your admin credential. It widens your opportunities for out of the classroom positions. I got it not to be a principal, but two out of the classroom positions. Technology coach and Title 1 coordinator, which increased my salary. It took me one year to get my admin credential assuming you already have a masters degree. 3. Look around for different blogs that offer opportunities for side gigs to replace those opportunities that have dried up. There are thousands and thousands of blogs.
  7. sschullo

    Why Aren't Millenials Spending More?

    Yep, not having any to spend was my young adult experience 100%, and Wow! That was a HUGE blessing in disguise. I practiced frugal living while growing up and in my entire life.
  8. sschullo

    How To Teach Your Kids About Money

    Hi Ed, Not sure why you are posting this. I forgot about the value. As I said, I kept it for sentimental reasons, to remember my mom and her foresight who bought this stock decades ago. I learned what a stock was when I was ten years old. I wonder how many adults know what a stock is today? Can any of us imagine any of our future relatives owning our investment 50 years from now! Steve
  9. sschullo

    How To Teach Your Kids About Money

    Exactly my experience. I inherited some of my mother's 3m stock that she bought in the 50s and 60s. I just sold them a couple of years ago. I kept them for sentimental reasons AND those stocks doubled in price by the time I sold them in 2015 (over 15 years). I was very lucky that they grew that much. What I have learned from individual stocks even from great companies, that the stock doesn't always grow. Cisco Systems is a great company too that I used to own back in the tech bubble mania, but their stock was CRAP from 2000 until just a couple of years ago when I finally broke 2000 high. It was pure luck for me that 3M grew as much as it did. I sold it for $166 and it is now about $200. I have ZERO regrets that I sold it too soon. Heck, I made a ton of money off that stock, and I'll take what I got. I don't play stupid games (will it go up or down?) with individual stocks. 3M was the last individual stock I will ever own. Now I own it in Vanguards Total Stock Market Index!
  10. sschullo

    How To Teach Your Kids About Money

    My parents did not have money either, but they modeled frugal living by running a small dairy farm in Wisconsin. When my father died, my mother saved and invested. She worked as an assembly line worker and bought 3M stock, the company she worked for 25 years (Minnesota Mining and Manufacturing Co.) and she bought US savings bonds. I did the same thing when I enlisted in the Marines and saved $500 in bonds by the time I was discharged 2 years later. Immigrants did that sort of thing back in the first half of the 20th century in this country. It wasn't until my 40s that I realized that I learned a lot about building wealth and living a healthy wholesome life without crap all from my parents, they lived the frugal and investing life. I never earned much money until I was in my 40s, and so I kept up my frugal living, and I was lucky enough to find a spouse who had similar background and together we lived frugally, invested in California real estate, invested our 403(b) money in the stock and bond market, and did better a whole lot better financially than both of our parents together. My parents did not teach me in the usual sense. And I was smart enough to appreciate what they did. Anyway, that's why I like the quote. It means a great deal to me.
  11. Hi Tony, The FI and FIRE communities get this 100%. It's in their blood! Steve
  12. sschullo

    Big Change At Vanguard

    In my uncomplicated Wisconsin farm-boy common sense, use DCA when you start investing in your tax-deferred retirement plan (401k, 403b or 457b plan including Roth 401k, 403(b) or 457b) because you have no choice when starting from zero assets. That's how those plans work. I never DCA an employer-sponsored tax-deferred plan into cash. There may be a reason to DCA into cash, but I never experienced a reason for doing that. For me, it complicates my plan. I need and require simplicity. Lump-sum when you a lucky enough to receive a windfall such as a sale of real estate, rebalancing your 6 or 7 figure portfolio and/or received an inheritance. In rebalancing my portfolio last October because my stock allocation rose to a trigger point 35% (supposed to be 30% stocks 70% bonds), I lumped sum about $30,000 from my Vanguard stock index ETF into my Vanguard Total Bond Market Index. I reduced my stock exposure and increased my bond exposure and my portfolio is now about 31% stock/ 69% bond. Few portfolios are perfect.
  13. sschullo

    How To Teach Your Kids About Money

    I like this quote by a British journalist: The easiest way for your children to learn about money is for you to not have any. Katharine Whitehorn.
  14. H i krow, No, not recently, but you are right, his articles have all disappeared from M*. Sad. But you can sign up for his recent articles. Here is the latest one from him (Yes I know the link doesn't work, but I have notified him of this): In this month’s column, I revisit target date retirement income funds. Some (back to July 2014 anyway) of my Morningstar columns (now 167 of them written since 2003) can be accessed at the Morningstar website: http://www.morningstar.com/articles/author/2193-w--scott-simon.aspx Please let me know if you wish to be removed from my emailing list. Best regards, Scott W. Scott Simon, J.D., CFP®, AIFA® Prudent Investor Advisors, LLC wssimon@prudentllc.com www.prudentllc.com
  15. sschullo

    Big Change At Vanguard

    Great thanks for the clarification Tony. There is a valid discussion about lump sum vs. DCA with a bundle of new cash from tax refund, inheritance and or a sale of real estate. With a bundle of new cash, either strategy would be OK long term, as long as you keep with your DCA plan. Nothing wrong with lump sum either because the markets are 5% off their highs, and the big advantage is that you are done. So many people never invested again in the stock market because of 2008 and the missed tremendous gains in the last decade.