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About Pqreturn62

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    Passaic County, New Jersey

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  1. 10 years qualifies me for a partial pension. That was the goal 😂. Only a few hundred dollars a month when I reach FRA, but still , I’ll take it!
  2. I left teaching several years ago after spending 10 years in middle school special education. If I had to recount my biggest issues that prompted me to leave the field they would be as follows... 1) The tremendous amount of paperwork that was required on the special education side, yet hardly ever used once it left your desk, because after all, you’re just the teacher, who doesn’t know crap about teaching your students compared to the “specialists” who never spent a moment in the classrooms. 2) The direction of education as a whole. Very rarely do we let kids learn through trial an error anymore. Exploratory learning in my eyes is what teaching is all about. As we moved through the decade, we gradually were made to became more concerned with specific functionality of problem solving skills, rather than allowing the students to develop their own processes and guide them towards improvement on that process - at least on the middle school level. 3) The power dynamic flipped from the school to the parents and students. Now I’m not saying there weren’t parents in the 2000s who came in causing a scene, but compared to the 2010s it’s basically irrelevant, and after the massive round of contract buyouts around 2010, many of the “old timers” who had a backbone were transitioned out of administration and into retirement. Their replacements often weren’t ready to be leaders and ended up becoming “yes men” and “yes women” who just wanted to make sure everybody was happy and parent perception of them was good. This is a fine thing to want, but at what cost? In many cases it came at the cost of cohesion and support within the school building staff itself - it’s like being stood up on a date. You are excited, anticipate big changes, and feel your own self worth building, only to be left out there alone feeling like you were played. 4) Burnout...I ended up spending too many hours working for barely enough to be “middle class” in NJ. For the sake of this argument I will outline my pay in year 10 before I left the field all together. Salary - $58,600 Extended School Year Stipend - $4000 Football Stipend - $7500 Baseball Stipend - $ 4250 Winter Weight Room Supervisor Stipend - $1200 Total: $75,550 Gross This was by no means a bad income and my family didn’t struggle to survive, especially considering my girlfriend is also a teacher and brought in around $50k per year, but I was out the door by 6am every day, and didn’t get home from practice until 8-9pm every night from August-Mid November as we were a playoff football team almost every season, and again from March-June during baseball season as we were always competing for state and county titles in baseball as well. In the winter time it was a little easier as all I did was make sure kids didn’t kill themselves in the weight room and was home by 5pm every day. July wasn’t terrible either, I would teach extended school year classes from about 8:15am until 1pm, get 4 hours to myself, then have to be back for football from 5pm-8pm. Once again, I am not saying this was any harder or more grueling than any other career as I have found much of my day to look the same now that I am a small business owner, but the fact of matter was I was leaving for work before my daughter woke up, and wasn’t getting home till bed time or later. There were weeks during football when I didn’t once see her awake - that’s very mentally draining, and to know I wasn’t going to get to be a big part of her upbringing for more than a few months per year, plus wasn’t going to be able to financially provide much beyond 3 square meals, an average home, and new clothes when needed made leaving teaching a no brainer for me. The non-incentivized payscale for educators is very counterproductive to sustained teaching efforts. 5) I flat out did not want to be associated with some of the teachers and administrators in my district. I won’t use names or call out the district in here, but let’s just say there were a strong number of them who would arrive 5 minutes before the students, leave when the last bell rang, and then bitch and moan about everything to the union, administration, and on social media. That’s a terrible shadow to cast over other teachers, especially ones that were emotionally invested in their body of work. That kind of professional undercutting is partially what feeds the above 4 reasons I left teaching. Sorry for the long-winded response, but this one struck a nerve. I loved being in the classroom, and honestly feel I set myself back 10 years when I decided to follow my interest in teaching - it just wasn’t worth the sacrifices and mental backlash in my eyes.
  3. PM me and I’ll be happy to talk with you about the market research my company has provided me on the state of the economy and market growth projections for the year.
  4. Low yields due to premium prices, higher risk of financial default, potential for high level of foreclosure - doesn’t add up to be involved in tax driven muni’s; maybe you could argue revenue backed ones like port authority will be fine when the states reopen. As for treasuries, sure they are safe which is great for those looking for absolute safety, but new issues are producing next to nothing, and pre-existing bonds are at astronomical prices right now - once again doesn’t add up as being opportunistic.
  5. Fixed incomes are overpriced right now, blue chip equities that produce good dividends are at bargain prices. That’s where to capitalize if you can, even if it’s just $100 here and there. Gotta start somewhere! Lots of ppl who were laid off have 401k’s that can be rebalanced and aligned to grow with the market - that’s where to be, among several other places.
  6. Just set my first one to yesterday afternoon! Need to get those preggo does on it for the last few weeks of gestation and first few weeks of fawn development.
  7. Still the best turkey hunt ive ever been on. Bird almost got away but a quick on the fly adjustment and he appeared out of the fog spitting and drumming, but no gobbles. Snuck the pellets through a 10” hole in some trees and piled him up.
  8. I’m tag teaming with my buddy who is a teacher and also off. I am going to take care of the mornings and try to run my daughters day somewhat like school where the two of us will sit down and knock out 1 academic activity at a time, 4 subjects per morning. Then around lunch my buddy will come and work on whatever is left over academically while I g and put in a half day of work. Then by 4 mom will be back so I can work late and my buddy can go home. I’m more worried about cabin fever than coronavirus at this point...
  9. Hoping to get at least 2 days of biking per week this year pre-hunting season. I can always feel when I have gotten too heavy and out of shape - my left knee starts to creek and swell (has ACL surgery there). My lake community is 1.5 miles to ride around so I usually try to get 3-4 laps after work followed by the ungodly long hill leading up to my driveway.
  10. Doesn’t hurt to chlorox wipe common areas and hit the office with the Lysol can at the end of the day. Other than that just bolster the immune system, drink your water, and stay active. Other than that what can you do? I’m not building a shelter in my basement for this crap...
  11. I work for Edward Jones as an advisor. I have countless resources for data and analysis made available to me daily. If anyone would like any of it, just send me a message and we will connect. If it’s open for public use, I’d be happy to offer it to you. Much of what I see on here is pretty accurate, but don’t forget something, you’re best approach to building an investment portfolio is a wholistic approach that is goal oriented. More specifically, this means that whatever you invest in should be complimentary to each other, properly diversified for downside protection, and with a specific monetary goal in mind, even if that goal is 30yrs away. Furthermore, it’s my opinion that contrary to something that has become popular as of late, just because something or someone has lower fees, it doesn’t make it or them a better place for your investment. This is not a knock on the Vanguard users above, I in-fact use the S&P 500 and S&P Growth ETF’s all the time with my clients and myself, but let’s face it, some people are best served trusting the expertise of others. I find that if I am able to help someone diversify their portfolio, set them up for long-term profit, establish a solid trust based relationship, and make them more money while still be risk considerate than they could have made on their own, they are more than happy to pay me a commission of 1%. The mutual fund vs. ETF conversation often boils down to fees as well - it shouldn’t. You should have both. Yes mutual funds are more expensive, but you’re getting the best financial analysts and fund managers on the planet to choose from. These individuals have their performance data made public as a sales pitch for new investors. Many of which have historical average of beating the market average return. This is where their value is worth it’s weight in gold. For example, JPMorgan charges 5.75% for A-Share Tier 1 mutual funds, of which, several are already up just under 4% this year, while having a lower Beta than than the S&P 500, and a more dividend payout schedule so you can reinvest it and reduce any future paper loses that you might see on a quarterly or semi-annual investment. If you bought into a JPMorgan fund on January 1, assuming you didn’t qualify for breakpoint discounts (the more you invest the cheaper the cost to do so per dollar), you almost made your entire cost back in 45 days. My point is, fees are important, but sometimes getting the guidance you need will more than pay for itself. Once again, if there is anything anyone wants to bounce off me, or any information anyone wants to request, all you need to do is ask, id be happy to help any way I can.
  12. I’ve always said hunters, fisherman, and hikers who are using public land should have to pick up a car sticker if they are accessing publicly funded state forests, wma’s, and other unique state land holdings. Similar to what the Newark Watershed commission does. Nothing crazy, maybe $20-$25 per year, but’s it’s a much more equitable way to access cash flow from ALL ppl who utilize public resources, not just the sportsmen/sportswomen. You could even make it part of the all-around sportsman license for us at a discount since we already are sending just under $100 in before additional permits...
  13. 99% of the problems you’ll get are because of a neighbor. Most cops are big time gun advocates and don’t want to stop fellow gun owners from executing their rights.
  14. He needs to find the nearest water source and stay there. That’s where that deer will bed. As he shrinks he will choose water over everything.
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