Progressives (Liberals)

When you make this pitch to voters, be sure to make it clear that only Democrats are trying to impose this on the American people.

Trump and other Republicans will do nothing of the sort.

Here's one example of socialism in action:

http://www.independent.co.uk/news/world/asia/north-korea-its-not-a-problem-that-country-goes-dark-at-night-10033200.html

http://www.reuters.com/article/us-korea-north-power-idUSTRE4AF0EG20081116

http://www.reuters.com/article/us-korea-north-power-idUSTRE81022X20120201

Hardly. Sanders supports violating people's civil liberties for fun. There is nothing even remotely moderate about that.

Don't be silly. Truths that the left wishes didn't exist are hardly propaganda.

I've had the idea before that if I wrote a book of gibberish claiming that Trump was a criminal, a large number of leftist nutcases would give me their money to buy a copy of the book.

It wouldn't have to be particularly coherent even. Leftists are already conditioned to accept gibberish.

I consider it very bad judgement for someone who wishes to teach not to.

Facts are not lies, no matter how inconvenient the left finds those facts.

This unfortunate attitude is nothing new. Leftists always want bad guys to rampage throughout the world unchecked so that freedom and democracy can be extinguished.

Your math is correct. However I suspect a "balanced" portfolio would average closer to 5% return over time. this would yield $634K after 40 years; 6% average return would yield $820K; 7% gets you a million.

If it was a 401K with a (say) 2% (of salary) employer match, a 5% average return would yield $888K; 6% gets $1.15M and 7% $1.5M

Unfortunately, those who would be drawn to teaching socioeconomically poor students don’t exist in the same side of the Venn Diagram with those who marry for money.

And, there you have it.

Right. Change a couple numbers and you could make twice as much or half as much. Too many variables to cover.

MY point, and tell me if you agree, is that it is quite possible for most of the country’s 15 million millionaires to have made their million dollars without having millionaire parents. Even teachers can do it (and I’ve seen a story that says 5% of them do).

You marry for love. If teachers do not know that they shouldn't teach.

You said.

It also looks like teachers with a $43,000/year pensions have a pension worth over $1.3 million dollars. They’re millionaires and they might not even know it.

https://www.financialsamurai.com/how-do-i-calculate-the-value-of-my-pension/

You're getting your Jew puppet-masters mixed up. It's Soros. You mentioned him in a similar context a couple of weeks past.

I suspect Lash's problem with all this is partly reflective of the California phenomenon of ongoing out migration of middle class folk, and in migration of young new Tech workers, yielding an annual loss of several hundred thousand residents. The median annual income in the San Francisco area is $125K, and the high cost of living (particularly housing) is causing even new young tech workers enchanted with their $200K starting salaries to suddenly discover they can't afford the lifestyle they imagined would go with it.

This is increasingly becoming a place for well-off liberals who vote regularly for increased taxes and state services to an unwashed underclass that is excluded from the enclaves in Pacific Heights ( Pelosi's home), Marin County, and on the Peninsula where they live. Many of them welcome the "gentrification" they imagine is going on. However this isn't a good footing for a sustainable economy, as they will likely soon discover.

maporsche was clear, correct and explicit about his facts and assumptions. The issue for Lash is, I suspect, the situation I described above in Northern California, which makes his situation very hard to realize here. Average teachers salaries in California are $68K/year, and a married couple, each a teacher, brings in more than the median salary for the region. However, one person, living alone on that salary will indeed have a rough time of it.

Of course where you live makes it easier or more difficult to save money. But even the teacher who makes $68000, if they put 10% away and lived like the teacher who made $61000 lives for 40 years they’d retire with over a million in their IRA and probably a pension worth 1.3-2.5 million.

I don’t know why people get upset when I suggest that with enough austerity, frugality, dedication, and restraint, almost every mid to upper middle class family (without unusual huge expenses) could be millionaire household without inheriting a dime.

It’s easier said than done, of course, but everyone making $50,000/year or more could have done it had they known or been as frugal. I wasn’t, and I often want to kick my 25 year old self in the ass and tell him to open a financial planning book or read some of the **** you don’t learn about in high school or college.

If I have kids one day, this fact will be ingrained in their brain from the time they get their first allowance. I'm also going to highly encourage my nieces and nephews to sock away 10% from their very first paycheck. Pay yourself FIRST as the saying goes.

Teachers average between $27000 and $44000, depending on the state.
https://www.teacherportal.com/teacher-salaries-by-state/
Their classes are so underfunded, many have to buy supplies out of their own pay to keep the kids going.

https://mobile.edweek.org/c.jsp?cid=25919901&bcid=25919901&rssid=25919891&item=http%3A%2F%2Fapi.edweek.org%2Fv1%2Few%2F%3Fuuid%3DFDA85CB4-7331-11E8-A66D-7F0EB4743667

Real, actual human beings trying to live in this world.

Excerpt:

Nearly 1 in 5 public school teachers have second jobs during the school year, a new analysis of federal data shows.

Half of teachers with second jobs are working in a field outside of education, while 5 percent of teachers are taking on a second teaching or tutoring job outside of their school districts. And 4 percent of teachers have a job that is not teaching, but is still related to the teaching field.

Across the country, teachers who work a second job earn an average of $5,100 to supplement their incomes. And teachers who moonlight in a non-education field earn about $1,000 more on average than teachers who work a second job related to teaching-$5,500 compared to $4,500.

These figures are from the 2015-16 National Teacher and Principal Survey, a nationally representative survey conducted by the U.S. Department of Education.

The National Center for Education Statistics has been periodically publishing new analyses from the NTPS dataset, which was released in August. Previous analyses showed that teachers spend an average of $479 on classroom supplies, and that 55 percent of teachers say they are not satisfied with their teaching salaries.

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The new data points may shed light on what seems a growing sense of discontentment among teachers across the country. Educators in six states this spring staged mass demonstrations, protests, and walkouts over low wages and cuts to school spending.

"Working two jobs and trying to maintain a balance with teaching, it does take a toll, especially when you have a family," said Joe Reid, who until recently was a middle school language arts teacher in Hebron, Ind.

During his 12 years as a teacher, he has had second jobs more often than not-including answering phones at Best Buy, cooking chicken at Popeyes Louisiana Kitchen, coaching, and tutoring at a private company. The extra funds help him pay for child-related expenses like daycare.

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In Oklahoma, where teachers walked out of the classroom for nine days this spring, having to work multiple jobs was a rallying cry among educators. Kara Stoltenberg, a high school English teacher in Norman, Okla., who also works at a clothing store, pointed to her second job as one reason teachers needed a raise. Oklahoma teachers are among the lowest paid in the nation.

"I think most of us can live day to day, month to month just fine," Stoltenberg said in a March interview with Education Week about the walkout. "In terms of being able to save, in terms of your car needing some work ... those extra expenses are where it starts to [hurt]."

More Than Other Workers
Previous research has found that teachers are about 30 percent more likely than non-teachers to work a second job, according to an analysis of a Bureau of Labor Statistics survey.

"There's only limited evidence on the why question," said Dick Startz, a professor of economics at the University of California, Santa Barbara, who recently analyzed the BLS data. "Presumably, the big issue is money. ... What we know is that [teachers] do it more than other similarly situated, college-educated workers with full-time jobs do."

Startz found that secondary teachers are more likely to have second jobs than elementary teachers, and male teachers are more likely than female teachers to work outside the school. About 20 percent of male teachers report working a second job, according to Startz's analysis, which was published in March by the Brown Center on Education Policy at the Brookings Institution.

Teachers are also more likely to report that they have an outside job during the school year, rather than the summer, Startz found.

The NCES analysis also found regional differences among teachers who worked second jobs. For instance, more teachers in the Northeast and Midwest worked second jobs than teachers in the South and West.

The type of second job that teachers worked varied by region. For example, 11 percent of teachers in the Midwest worked in a non-education field, compared to 8 percent of teachers in the West.

Second Jobs Take a Toll
Working an extra job during the school year has consequences, researchers and teachers themselves say. For more than three decades, researchers at the Sam Houston State University in Texas have conducted a biennial survey of Texas State Teachers Association members about working outside jobs.

The survey is not representative of teachers in the state: It's voluntary and doesn't always have a large sample size. But Startz said there are still lessons to be learned from it: Two of the survey's main findings are that teachers who work a second job are more likely to say they're considering leaving teaching, and that teachers say that working an extra job negatively affects their teaching.

"People don't normally stand up and say, 'There's something going on that's making me worse at my job,' " Startz said. "So I think that's a real concern."

Working after school hours cuts into time for lesson planning, grading, and other responsibilities, said Reid, the former teacher in Indiana.

"You wish you could do more-whether it's more planning or preparation or whatever-and it just limits you in general," he said.

Reid resigned from his teaching job at the end of this school year. Now, although he hasn't ruled out getting another teaching job, he's looking for other positions that pay more. He'd like to stop working a second job so he can spend more time with his three children.

"I remember quitting that job [at Popeyes] and thinking, 'I'm never going to have to work two jobs again,' " he said of the experience during his first year as a teacher. "And I was wrong."

https://www.theguardian.com/us-news/2018/sep/05/american-teachers-second-jobs-how-i-survive

How I survive: American teachers and their second jobs – a photo essay
One in five American teachers now works a second job on top of full-time teaching. Photographer Peter Rad captures what happens when they leave the classroom
Interviews by Erum Salam
Learn more about the Guardian’s teacher takeover
Wed 5 Sep 2018 02.00 EDT Last modified on Fri 7 Sep 2018 17.54 EDT

Tracey Deegan, 53
Cape Cod, Massachusetts
Full-time job Elementary school teacher. Earns $80,000 annually
Second job Oyster farmer. Earns $15 an hour. Also works as an event coordinator and manager for a catering company


Tracey Deegan: ‘I’ve missed a lot of things because of all the jobs I do.’ Photograph: Peter Rad for Guardian US
“When I say my salary it sounds like a lot of money, but I live on Cape Cod. Someone has to be here to teach the kids.

“When I think about things like the fact we need a new septic system, or that we need to replace some doors and the deck on my house, I go into almost like a panic attack. I don’t have a reserve of money for that and I don’t want to dip into my future. I feel all the time that pressure to not even just get ahead, but to keep my head above water. I’ve missed a lot of things because of all the jobs I do.”

Chris Williams, 36
Houston, Texas
Full-time job High school history teacher. Earns $56,149 annually
Second job Bookseller at Barnes & Noble. Earns $11.75 an hour. Works 20 hours a week


Chris Williams: ‘Our district does not value experienced teachers.’ Photograph: Peter Rad for Guardian US
“Working a second job, and the lack of rest that comes with that, makes it really hard to do the most important thing that a teacher does: remain engaged and enthusiastic, and really be the driving force in a classroom. The second challenge is that every year, students come to me with ideas for organizations they would like to start, clubs they would like to be involved in, and some of those things match up really well with some of my own passions.

“But when I weigh the additional amount of money that I need for my second job against my inclination, it doesn’t make sense.

“When you consider a teacher with zero experience versus a teacher like me with now 11 years behind me, there’s only a $3,619 difference in our salary. That signals to me that our district does not value experienced teachers. If I didn’t work a second job, I would be a risk for not having funds to deal with major financial problems that could occur in anyone’s life, whether that’s a major medical expense, a major car expense, or a family emergency.”

Jeanna Dorsey, 52
Tulsa, Oklahoma
Full-time job Middle school social studies teacher. Earns $49,000 annually
Second job Suite-level attendant at the sports stadium for the Tulsa Roughnecks and Drillers on nights and weekends. Escorts people to seats and takes tickets. Earns $8.75 an hour


Jeanna Dorsey: ‘You need that extra money to get the bills paid.’ Photograph: Peter Rad for Guardian US
“The hardest thing is when you give your all at school, your main job – and then you come home and you have to change clothes and change your mindset. Then you have to go to your second job and you’re tired. You still have to find that extra strength to go on because you know you still need that extra money to get those bills paid.”

Matthew Williams, 31
Tulsa, Oklahoma
Full-time job High school US history and geography teacher. Earns $35,000 annually
Second job Uber driver. Earns between $100 and $400 a week

’
Matthew Williams: ‘I tell them I’m a teacher and I’m immediately treated with sympathy.’ Photograph: Peter Rad for Guardian US
“I moved back in with my parents just because I was tired of living paycheck to paycheck. It’s really hard to think about my own livelihood in the midst of trying to teach 115 teenagers. I should only have to care about their development, but I also have in my head, ‘I don’t know how I’m going to pay this month’s rent.’ I absolutely love what I do and I want to continue doing this and I don’t want to do anything else, but I can’t keep living with my parents to save money.

“I see November as a pivotal moment for my future. The last increase we really saw in raises and school funding has been 20-odd years, and if it’s going to be that rate again, at the current rate of inflation, I will be living in poverty. We’ve got teachers on food stamps. It’s insane.

“What typically goes through my mind [when Uber driving] is I hope I get some passengers that are easy to deal with – that aren’t going to be too difficult or drunk or whatever. What’s kind of interesting or sad is I tell them I’m a teacher and I’m immediately treated with sympathy. I typically get better tips. So I’m like a charity case.”

Courtney Haney, 25
Houston, Texas
Full-time job Middle school science teacher. Earns $58,000 annually
Second job Dance instructor and choreographer at Living Lines dance studio. Teaches ballet and hip-hop. Works 12 hours a week. Earns $38 an hour plus performances


Courtney Haney: ‘There are times when I’m just so tired I think my body can’t take it any more.’ Photograph: Peter Rad for Guardian US

“The most stressful thing is that I go home and worry about those kids, whether I like it or not, so it kind of wears me down. I use my lunch breaks often times to make choreography or to make lessons for that evening. Sometimes that’s what my weekends are devoted to also. Social life? What’s that? And sometimes even my personal health is at risk. It’s hard to eat lunch when you’ve got so many different things going on.

“There’s times where I have to talk to myself in the mirror and tell myself: ‘It’s OK, you can get through this. I know you’re exhausted, but it’ll be all right.’ And I get my second wind eventually. I get that adrenaline boost that I need to keep teaching. But there are times when I’m just so tired and my body is making me think that it can’t take it any more.”

Meghan McMillan, 38
Houston, Texas
Full-time job High school freshman leadership teacher. Earns $51,000 annually
Second job Dog trainer at PetSmart. Earns $9.25 an hour plus 20% commission for classes. Works 12-15 hours a week

Meghan McMillan: ‘I needed the extra money to pay my bills.’
Meghan McMillan: ‘I needed the extra money to pay my bills.’ Photograph: Peter Rad for Guardian US
“I try and leave school a little bit earlier than normal when I’m working just so I can have some extra time. When I go home I have to take care of my dogs first: I have to change clothes and I have to eat dinner because I don’t get home from PetSmart until 9.30pm and I’m not eating dinner at 9.30 at night. The hardest part is just managing stress.

“The reason I took a second job is that I have some debt that I’m trying to pay off. I needed the extra money to pay my bills. I was struggling with just the teaching income and this makes it so that I don’t have to struggle financially. I can live on my wage, but I’m single and have no kids. There’s a lot of teachers who are single parents who are really struggling.”

Brian Davis, 46
Bartlesville, Oklahoma
Full-time job Middle school geography teacher. Earns $42,000 annually
Second job Private softball coach. Earns $25 per lesson. Also an Uber driver

Brian Davis: ‘I’ll probably continue my side jobs through at least my kids going to college.’

“We use the envelope system a little bit. This week’s softball lesson would go into an envelope for the tire fund. Or this week’s lesson, half of it would go for car maintenance.

“I will probably continue my side jobs through at least my kids going to college. We’ve accumulated some debt over the years, because when you need tires, you just put down the credit card. When the washing machine goes out, you put it on the credit card. We’re going to be catching up from that for years. I’ve got a car that’s pushing 200,000 miles and another car that’s pushing 100,000 and we’ve got a girl going off to college next year. We haven’t contributed to our IRAs in about three years, maybe even longer than that.”

Metasha Olson, 45
Bartlesville, Oklahoma
Full-time job Middle school english teacher. Earns $40,600 annually
Second job School bus driver. Earns $17.60 an hour. Works 10 hours a week

Metasha Olson: ‘The teacher shouldn’t have to drive a bus.’

“The teacher shouldn’t have to drive a bus. I don’t get to stay after school to help my students for even five minutes if they have a question. Sometimes I feel like I’m letting my students down because I have to go directly to my bus. I don’t even get to stop for a bathroom break.

“Without my second job, we flat out cannot make our bills. Even with my second job, we struggle to make the bills, without even adding on the food or extras that my kids want.”