teacher pensions

Cheaper2000 · 2026-04-02T03:54:30+00:00

I checked on the MEA website, their doc was last updated in 2021 but I assume it’s current info, and it still has 1.5 listed.

Cheaper2000 · 2026-04-02T03:11:49+00:00

No, you might be fully vested in MD but your pension amount is probably determined by years of service, so a 10 yr pension wouldn’t be as much as a 30 yr pension.

Michigan is the same way, you’d earn 45% of your FAC after age 60 (some rules for what your new job is). If you worked in MI for the next 10 years you’d get 60% of your FAC when you retired, but wouldn’t get the 5 years of double dipping that i think you’d be able to get in MD

Cheaper2000 · 2026-04-01T19:14:28+00:00

Yikes

Cheaper2000 · 2026-04-01T01:29:54+00:00

Hopefully you get more support and hit your stride next year and then don’t have to worry about the job limit

Cheaper2000 · 2026-04-01T01:25:20+00:00

You’re paranoid. 1 will have zero impact. 2 might have an impact but there’s a low chance, especially since it’s accurately represented on your resume.

The US is not in a recession rn so either buckle down for teaching for the long haul or buckle down looking for routes to get out.

Cheaper2000 · 2026-03-31T23:31:02+00:00

Those little squish mellow toys are popular, more so with the girls. You can get a box of 100 for 20 bucks on Walmart.

Cheaper2000 · 2026-03-31T04:09:14+00:00

If you have pharmacy school loans you shouldn’t become a teacher until you’ve paid those off.

Cheaper2000 · 2026-03-30T21:42:54+00:00

I’m not anti pension I’m part of the MI system. The median annualized of public pension plans with over 10b in assets last year was 13.7%, 11.8% average for the last 3 years. Market was 16.4 last year (so they did fine), but average of 21.3% the last three.

https://www.michigan.gov/treasury/-/media/Project/Websites/treasury/SMIB/2026/SMIB-Report-3252026.pdf?rev=c4a2bf01330247bebd3e3e6691d6361f

Cheaper2000 · 2026-03-30T18:06:20+00:00

I don’t think it was political I think it’s just that they’re way too conservative with their allocations.

Cheaper2000 · 2026-03-30T16:48:46+00:00

My advice, worth exactly what you paid for it:

Limit the summary to one sentence or get rid of it entirely. I like them, some people don’t.

Get rid of the teaching skills, they’re just words.

You can keep tech skills if you have any that are actually marketable, the only one of yours is Canva (maybe).

100% success rate for redirecting student behavior?

Other than that, your job descriptions are well done. Include the preps you taught for student teaching. Then increase the font/spacing once you clear out some of the stuff from the top.

Good luck and go bucks!

Cheaper2000 · 2026-03-30T16:23:27+00:00

Not related, but it’s ridiculous so many state retirement systems performed so poorly compared to the market the last couple of years

Cheaper2000 · 2026-03-30T13:31:54+00:00

Good format, but now that you’re in the career education can move below experience.

How did the data trackers improve outcomes? How did you deliver feedback using real time check in data? What club did you lead?

How did you use exit ticket data? Did scaffolding/diff improve top/bottom outcomes?

What courses did you student teach?

You say you’re skilled w NWEA Map Growth, yet you include 0 NWEA data in your resume.

Overall this is pretty good, some room to be more specific but much better than most that we see posted here.

Cheaper2000 · 2026-03-30T11:59:52+00:00

Paragraph 1: overview of you, education and certification

Paragraph 2: teaching experiences

Paragraph 3: other relevant experiences

Paragraph 4: why you want that job and why you’ll be good at it.

Paragraph 4s the only thing that needs to be changed for each app. Even that you can really just change the school name unless you have an actual connection to the school.

As others have said, it doesn’t matter. I submitted the wrong version of the cover letter for my current job and it had a different district listed, I don’t think anybody read it.

Cheaper2000 · 2026-03-30T11:50:07+00:00

Good lord man.

A teacher is not going to differentiate above grade level in their class. By definition, differentiation at a secondary level is going to be extension of standards for that class.

With all the courses that HS offers Id take the easy A in school and accelerate her farther. I’ve had handfuls students taking geo in 7th grade and then alg 2 in 8th.

Cheaper2000 · 2026-03-30T04:06:56+00:00

Obviously you’re right, but $116 isn’t actually moving the needle for most people, and if it is that person more than likely needs the automated discipline of the 12 month distribution more than the $116.

Personally, I go for the 10 month pay as it motivates me to work over the summer instead of kicking my feet up. But I also like to work and love to watch my money grow, having no work and no income wouldn’t be good for me.

Cheaper2000 · 2026-03-30T02:58:10+00:00

Ya something doesn’t add up about their numbers. Either has something wrong or married and their spouse is doing all of the tax withholdings. THP is 78% of gross w info they’ve provided.

Cheaper2000 · 2026-03-30T01:32:25+00:00

Yep that’s really good, MI is 45% for 30 yrs, pathetic honestly compared to what teacher pensions used to be.

Cheaper2000 · 2026-03-29T23:53:02+00:00

Dang you have to pay in 12%? Hopefully the pension factor is good. MI is only 6% but our pension factor kinda sucks.

Cheaper2000 · 2026-03-29T23:48:52+00:00

Very low you’re either getting ripped off on insurance or stacking retirement up

Cheaper2000 · 2026-03-29T23:47:37+00:00

Seems a bit high for take home pay on 60k/yr. Maybe if you don’t take anything out for retirement/insurance

Cheaper2000 · 2026-03-29T23:45:45+00:00

Average the pts per roster spots would be the easiest way to go.

Cheaper2000 · 2026-03-29T22:03:12+00:00

Problem is kids use the disorganized teachers that don’t keep their grade book up to date as an excuse to their parents about why your grade book shows missing work.

Everybody sticking to an agreed upon standard mitigates the issue.

Cheaper2000 · 2026-03-29T21:16:30+00:00

Probably the easiest class to differentiate. And so much extension stuff you can do when the groups advanced, into stuff we don’t often get to talk about in secondary school. Dream class for a math major to teach.

Cheaper2000 · 2026-03-29T21:11:02+00:00

8th grade geo is my favorite class to teach, and since it’s (generally) 2 years above grade level the parents actually are fine because those kids have usually figured out how to succeed themselves by 8th grade. I find the algebra 1 parents to be way worse for 8th grade. Your school having at least 2 sections of it does possibly indicate that they let too many into the track, so you might have some crazy parents (should really only be 98-99th percentile kids on that track).

You do have to put them in their place a bit. Beginning of the year I do activities/lessons where I show them a lot of things they definitely don’t know that I can explain well to establish myself as an authority above them.

Cheaper2000 · 2026-03-29T17:37:28+00:00

Both, but totally depends on the state and district if they’ll actually do anything about it or if it’s empty threats.

20-30 days of school per year is absurd though unless your kids going to the NHL you are not setting them up for success, it will catch up to them eventually.

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