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Teachers.Net Gazette Vol.5 No.3 March 2008 Cover Story by LaVerne Hamlin Show Me The Money!!! If you can develop a lesson plan for your class, then you can write a grant. Here's how! Harry & Rosemary Wong Effective Teaching Coaching is six times more effective than class-size reduction Columns » A System Is Superior To Talent Marv Marshall » What Writing Isn’t Cheryl Sigmon » The Busy Educator's Monthly Five Marjan Glavac » Privacy in a Technological Age Rob Reilly » 10 Tips for Difficult Parents Barbara & Sue Gruber » Problem-Based Learning Hal Portner » Understanding Autism Leah Davies Articles » Spaceship Toilets » March 2008 Writing Prompts » Internet Assisted Interactive Classroom » Our Civility Footprint » First Grade Family Reading Night Meets Speed Dating » Your Students Are Watching, Listening, and Learning » Teachers Lounge - To Go or Not to Go? » Retirement Guide for Teachers » Daily Lessons: Humility Features » Chatboard Poll: So What About Homework? » Teachers.Net Craft Favorite: Arrow to the Sun » Featured Lessons: March 2008 » Video Bytes: Merit Pay; Tai Chi; Asperger's and More » Today Is... Daily Commemoration for March 2008 » Live on Teachers.Net: March 2008 » The Lighter Side of Teaching » Editor's Pick: Picturing America Program » Apple Seeds: Inspiring Quotes for Teachers » What Do You Want In A Co-Op Teacher? » Newsdesk: Events & Opportunities for Teachers Advertisement The Teachers.Net Gazette is a collaborative project published by the Teachers.Net community Kathleen Alape Carpenter Editor in Chief Cover Story by LaVerne Hamlin Effective Teaching by Harry & Rosemary Wong Contributors this month: Dr. Marvin Marshall; Cheryl Sigmon; Barbara & Sue Gruber; Marjan Glavac; Dr. Rob Reilly; Barb S. HS/MI; Ron Victoria; Brian Hill; Leah Davies; Hal Portner; Tim Newlin; Barb Gilman; James Wayne; P.R. Guruprasad; Todd Nelson; Addies Gaines; Pat Hensley; Alan Haskvitz; Joy Jones; and YENDOR. Submissions: click for Submission Guidelines Advertising: contact Bob Reap Subscribe for free home delivery Email: State: - Select State (required) - Alabama Alaska Arkansas Arizona California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington DC Washington West Virginia Wisconsin Wyoming -- Canada United Kingdom Australia/NZ Other Featured Advertiser Links FEATURED ADVERTISER LINKS

Alan Haskvitz Archive | Biography | Resources | Discussion Retirement Guide for Teachers From the first day you become a teacher you should be planning for your retirement. You should think about and plan for retirement income for yourself and your family as much as you plan the next day’s teaching lessons. by Alan Haskvitz March 1, 2008 From the first day you become a teacher you should be planning for your retirement. That is the best advise I can give an educator. You should think about and plan for retirement income for yourself and your family as much as you plan the next day’s teaching lessons. I am now long past the age of retirement and need to work at least five more years because of poor planning and the lack of a good advisor who specialized in working with teachers. I can’t tell you how many tax preparers and financial advisors I have had who didn’t even know about the teacher’s tax credit. Do your research. Ask around and use the Teachers.Net Retired Teachers Chatboard http://retired.teachers.net/chatboard/ and Golden Apples group to get good insights into the process http://teachers.net/mentors/golden/ The problems teachers face with retirement are based on such unique conditions such as - in some cases - not being able to collect full Social Security. You must check out the data to see if you are eligible. http://www.reacheverychild.com/feature/teacher_law.html#3 Financially speaking, the bottom line both literally and figuratively is that you need to spend a great deal of time on your state’s retirement site if you are a public school teacher. For example, how much does each unused sick day you have when you retire add to your monthly check? Is there a bonus for working past a certain amount of years, such as 25? Is your retirement income based on your highest year’s income or an average of three or so years? Can you buy extra time for your work as a substitute teacher? Is your district willing to give you a bonus to retire? If you retire can you still work as a teacher and get your full retirement? Can you buy into the district’s group health care program to save a lot of money? And, finally, when you retire don’t make the mistake of not having your ducks in a row. The first month after you retire you should be getting a retirement check, so do not wait until you retire to apply for your retirement benefits! Online Resources Here are some good online resources to help in your planning, regardless of your age, including a great many links about teacher retirement: My Retirement Guide For Teachers http://www.reacheverychild.com/feature/retirement-guide.html   Test your retirement knowledge http://www.govexec.com/dailyfed/1206/121506rp.htm   Retirement Resource Links - Includes financial decisions, legal concerns, and aging and health links http://www.nea.org/retired/tools/retirement.html   Retirement IQ test http://moneycentral.msn.com/investor/calcs/n_rothq/main.asp   Earning test for early retirees http://www.fairmark.com/retirement/socsec/earnings-test.htm   Test your knowledge on retirement http://www.msnbc.msn.com/id/13089081/   Life expectancy calculator http://moneycentral.msn.com/investor/calcs/n_expect/main.asp   Estimating Your Retirement Income Needs http://www.aicpa.org/financialliteracy/retirement.asp   Steps in Retirement Planning http://www.urbanext.uiuc.edu/ww1/14-02.html   Ten Steps to Retirement http://money.cnn.com/2004/10/05/retirement/kansas_10stepssuccess/index.htm   Before you accept an early retirement package http://retireplan.about.com/od/caniretire/bb/retire_early.htm   Ten questions to ask before retiring http://retireplan.about.com/od/lifestyles/tp/retirementandme.htm   Steps to take when you are 60 http://articles.moneycentral.msn.com/RetirementandWills/ CreateaPlan/12StepsYouMustTakeAtAge60.aspx   Printables for computing how much you need to retire and estimating expenses http://www.extension.iastate.edu/finances/personal/retirement/first_steps.htm   Tax Benefits for Teachers http://www.irs.gov/pub/irs-pdf/p970.pdf   Women and Retirement http://www.nea.org/money/pf050912.html   And, if you are thinking of looking for a better paying job here is a listing of salaries around the country: http://www.reacheverychild.com/feature/salaries.html » More Gazette articles... Discussion for: Retirement Guide for Teachers Alan Haskvitz (March 2008 Gazette) Be the first to add a comment - CLICK HERE About Alan Haskvitz ... Alan Haskvitz teaches at Suzanne Middle School in Walnut, Calif., and makes staff development presentations nationwide. In addition, he serves as an audio-visual evaluator and design consultant for his county department of education; a tutor to multi-cultural students in English and art; and an Internet consultant. Haskvitz's career spans more than 20 years. He has taught every grade level and core subject, has been recognized repeatedly for innovative teaching and has received the following honors, among many: USA Today All Star Teacher 100 Most Influential Educators Reader's Digest Hero in Education Learning Magazine's Professional Best National Middle Level Teacher of the Year National Exemplary Teacher Christa McAuliffe National Award Robert Cherry International Award for Great Teachers In addition, Haskvitz publishes articles on successful educational practices and speaks at conferences. He has served on seven national committees and boards. Haskvitz maintains credentials and training in special and gifted education, history, administration, bilingual education, journalism, English, social studies, art, business, computers, museumology and Asian studies. He holds these credentials for Canada, New York and California. His experience also includes staff development, gifted curriculum design, administration, community relations and motivation. His background includes 10 years of university education. As a teacher, Haskvitz's curriculum increased CAP/CLAS test scores from the 22nd percentile to the 94th percentile, the largest gain in California history. In addition, Haskvitz and his students work continuously to improve their school and community. His students' work is often selected for awards in competitions in several subject areas. For more details about Alan and his students' work, visit his page on the Educational Cyber Playground. Haskvitz works tirelessly to improve and advance his profession, which is why he developed Reach Every Child. http://www.reacheverychild.com/ Related Resources & Discussions on Teachers.Net... Retired Teachers Chatboard Teacher Chatboard Teacher Mailrings

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