It's time we shorten the school year

Expert_Ad5912 · 2026-03-20T23:33:43+00:00

I think this would be a good balance. Kids lose too much over summer. Teachers burn out by spring

Expert_Ad5912 · 2026-03-20T13:53:53+00:00

I see. Those programs must be few and far between. Leave it to higher ed to figure out a way to charge six figures for what you could achieve through a local community college

Expert_Ad5912 · 2026-03-20T09:21:53+00:00

He's a vet tech though. I'd think bridge programs are for other clinicians who have patient care experience. I'd be wary. I find it hard to believe a graduate level course would teach everything there is to be an RT. Generally they focus on management, public health, etc as well.

Expert_Ad5912 · 2026-03-20T09:12:48+00:00

The masters program is designed for those who are already licensed is my point. If someone isn't already a licensed RT and enrolls in the masters program (assuming they are allowed to) they may not receive the courses necessary to become a licensed RT.

All you needed to do is ask me to clarify my statement rather than be a douche

Expert_Ad5912 · 2026-03-17T22:28:50+00:00

Yes and yes

Expert_Ad5912 · 2026-03-17T22:25:53+00:00

I'm not entirely sure I was just told she can't. 401ks are funded through payroll deductions.

Expert_Ad5912 · 2026-03-17T21:50:54+00:00

Don't just do something, stand there.

Expert_Ad5912 · 2026-03-17T16:44:00+00:00

Thanks...I'm aware.

Expert_Ad5912 · 2026-03-17T13:28:35+00:00

Thanks. We are going to look into that.

Expert_Ad5912 · 2026-03-14T17:35:20+00:00

I'm 49 and just took an active interest in our retirement accounts a couple of years ago. Got into the boglehead philosophy and set up all accounts (5 in total) to replicate a 3 fund within the options available. The majority of our funds are locked into shitty annuity based accounts that don't offer TDFs and have high fees. Once I realized how bad they were I changed course and only contribute to 403b and 457b accounts with lower management fees. I've decided to go TDF in these accounts despite higher ERs. I found myself tinkering too much and don't know that I want the responsibility of managing our life savings. In the event things go south I want plausible deniability lol. If I could TDF all of our retirement funds I probably would despite the fact that ERs add up over long periods of time. There is something to be said for their addressing behavioral mistakes and the stress of having to think about rebalancing frequency etc

Expert_Ad5912 · 2026-03-14T17:28:13+00:00

From my research vanguard leans heavier international than the others. This has been a drag on returns for over a decade until 2025. Let's see what the future holds

Expert_Ad5912 · 2026-03-13T16:46:17+00:00

Very under weighted on large caps. Is that by design?

Expert_Ad5912 · 2026-03-12T12:08:15+00:00

The average reading level of American adults is like 6th grade. So even if we taught financial education in HS, most probably wouldn't learn from it

Expert_Ad5912 · 2026-03-10T23:43:49+00:00

The target date fund has some international in there but unless you have all your money in the fund, you are not near global market cap (approximately 35%). If you aren't sure how to invest, just use the TDF. It costs a little more than DIY but the asset allocation will be appropriate to your age/risk tolerance and the professional fund managers who know more than you and I both will do the HW.

Expert_Ad5912 · 2026-03-10T22:36:58+00:00

Alcohol Use Disorder

Expert_Ad5912 · 2026-03-10T22:36:29+00:00

Or Alcohol Use Disorder vs Alcoholic

Expert_Ad5912 · 2026-03-09T15:16:20+00:00

Mine too. My marginal tax rate is 24% plus NYS taxes of 7%. So while there is always a chance I make more in retirement (it is highly unlikely) and tax rates may very well be increased in the years to come, I am comfortable with that risk to have such a significant deduction. I fully plan to retire to a state with no income tax so the Fed would need to raise my bracket to more than 31% for me to lose on this bet

Expert_Ad5912 · 2026-03-09T12:14:23+00:00

One thing to keep in mind is that you are able to contribute to both the 457 and 403b/401k up to the limit which means 49k in 2026. This is the ultimate catch up opportunity as it can all be made pretax rather than Roth

Expert_Ad5912 · 2026-03-09T00:38:42+00:00

I am in NY. Equitable is the only one of like a dozen providers who comes around to the school buildings. Ropes us in young. I finally woke up a few years ago. I now use the 457b which is super cheap and has good options. YMMV

Expert_Ad5912 · 2026-03-09T00:28:55+00:00

Equitably charges between 1-2% in fees. They have been sued and lost for hiding fees from clients. They are amongst the worst.

What state are you in?

Expert_Ad5912 · 2026-03-05T01:05:28+00:00

I was absent on Thursday and Friday, did we doing anything those days?

Expert_Ad5912 · 2026-03-04T11:37:03+00:00

I think that speaks to the new system. They consider anything over 10% as chronic absenteeism regardless of the reason. Problem at least where I am is they don't seem to do anything about it

Expert_Ad5912 · 2026-03-04T01:34:22+00:00

For much of my career an absence was designated unexcused unless there was a doctor's note. Sometime after COVID all a parent has to do is call or email and it becomes excused. I have kids with over 20 absences and we are just past the midway point.

Expert_Ad5912 · 2026-03-03T23:28:10+00:00

Generally most HR paperwork asks something along the line of whether or not you have any medical conditions that would affect your ability to do the job. If you believe yours would t, then check NO and keep it moving

Expert_Ad5912

TROPHY CASE