I'm only a few years into my teaching career but I just realized I don't really have a solid plan for retirement. I think I will probably get some sort of pension but is there anything else I should be doing to try and get ahead? Should I have a separate savings or other plan in place? Any advice from all of you amazing, seasoned educators would be helpful 😊

Is anyone planning on trading water futures?

Why has real estate remained lucrative?
Mainly agents but also developers.

The barrier to entry is low, not even sure if graduating high school is needed. My old agent even said she did it bc she can make a lot money and not work that much. She drove a new Mercedes and sent her kids to private school, husband was also an agent.

So I’m curious why it didn’t get flooded and the profit margin dampened to a $/hr closer to other jobs with similarly easy entry?

Hi all, I am trying to DCA bi-weekly into Vanguard ETFs, (VO, VTI etc). It seems like Fidelity does not support auto buying of non-Fidelity ETFs. So I was wondering which of these options you think is best?

1. Open a Vanguard Invest account
2. Look for Fidelity ETFs that are similar to Vanguard ETFs
3. Use smaller brokerages like SoFi l, Robinhood etc.

I really do not want to manage nor be active. My goal is to log-in like once every 6 months.

Thank you all.

Anyone have a crypto kitty?

Going through a closeout. 50-50 profit share allocation, but my business partner has been using the venture money at their personal piggy bank (hence the breakup). My accountants say because we agreed to 50-50 shares, the leftover money has to be divided equally.

They spent $100k in the last month on random "work stuff" but bought a new car, etc. Now I have to pay for it with less equity return!

Just wanted to rant, I'll probably never go into a partnership again.

469k new construction
No washer dryer or refrigerator included
Added these at cost, downgraded to basic grey paint throughout, removed blinds and builder accepted 460. Feeling cheated :/

What would have been a better offer?

Do anyone of you subscribe to the motley fool or any other stock advisor tools? Recommendations and thoughts on how useful they are?

Personal finance book recommendations?

Im so happy! I just paid off all my debts!

What is the best-kept secret among realtors?

Hi Fishes,

Can anyone suggest some good Mutual funds to start SIP for 3 years.

Do I need to sell cash sitting in my fidelity core position to be able to use that?

AMZN buy more or hold?

I started investing in Vanguard Mutual Funds and and did some research online today and it seems like we can’t do that and it might not be halal. Does anyone have any insights here?

so I bought like 25 bitcoins on the news it's going up to 100k. how do I get them? is someone sending them to me in the mail? do I get other coins like litecoin or ethereum for fractionals? no idea...

Hey, I am looking for an Angel investor to invest in our idea. Can someone help me to connect with the person.

Let’s talk credit cards! Is there any one which has 0% foreign transaction fee? (Like Revolut)

What % of your salary was your most recent car purchase?

How do you manage your money?

I only bring in a little over $2,600 a month. After paying all my expenses, I get to put away $500 a month in savings but don’t have much wiggle room for anything else, including going out money.

I’m very privileged to have a significant inheritance and zero debt of any kind. I really wonder how my peers who have student loans, car payments, and even children manage to pay their bills and live so comfortably. Please share if this is you!

Im so happy! I just paid off all my debts!

Personal finance book recommendations?

For the past 25+ years, I've been a devops engineer, cloud architect and team lead on many projects. I would like to make a career move into IT Management (i.e. DevOps Manager, Director of Cloud Ops, etc.). When it comes to skills needed, what should my focus be on and how would that translate onto a resume? I would love to still be hands-on to utilize my tech knowledge.

It feels very telling that there are so few people in this group. Any thoughts on that? It feels like the vast majority of people managers only want the title and don’t want to worry about their people.

PwC 1 again, we are live at Craft 🍻

The Bowl is oddly silent

Question my fellow Fish Bowlers♥️ I had a phone screen interview. The young lady stated to watch out for the email, attached will be the link for virtual interview w/ manager on Monday @10am but NEVER received an email. Should I email the recruiting analyst and advise I never received the email invite? Thank you all in advance.

When it comes to therapy do I look up a place online and make an appointment or do I need some sort of referral? Not sure if I need to see a therapist or physiatrist really.

Anyone using Darwinbox HRMS? What is your experience in terms of user friendly?

Looking to join a company with good WLB in strat ops or biz dev, know of any good companies ? 2 yoe total in consulting and sc ops

Hi. I’m an incoming masters in business analytics student at MIT and am looking for summer 2022 internships as an analyst in a tech company. I have worked as an engineering analyst for about a year. Any suggestions on how to prepare for interviews are welcome and maybe we could also do a coffee chat.Thank you

A friend of mine applied for a job at Bain and he said part of application requested his SAT scores! What’s the point of asking for his test scores? He has a degree.

Client killed 8 months of work just a few days before the shoot. Feeling completely crushed.

Where in Dubai do you live? Which areas would you suggest for MBB consultant? Thank you

What is the best-kept secret among realtors?

Anyone just out of first trimester struggling with sciatica pain on right side? It’s excruciating and not sure how to alleviate - I read up on some stretches?

Hi folks, need your help! Just found out that we’re pregnant (we were not actively trying so kinda surprised 🙈). What brand prenatal vitamins would you recommend? I’m seeing mixed suggestions on Folic vs. Folate - which one is important?

Please guide me and let me know if there is anything else I need to do at this moment. I’ve contacted my OB as well. I’m so worried. Thanks!

Consulting to sales-ops - is a pay cut needed? Want to move to tech but don't want to do internal strategy.

3 YOE, all in consulting

Pharmacist here with 9 YOE working as a clinical oncology pharmacist at a large NYC hospital. I’m a PharmD, BCPS. I’d love some guidance on where to apply, what types of posts to look for, and is it possible for someone with my qualifications to break into LS? Thanks in advance

Why does EY not sponsor internationals working under CPT for one day masters program? Can we all ask for the firm? Or at least provide a better GEOC program.. They will send us to a random country..

Without warning it looks like we'll be switching from consultant teaching to inclusion...what do I need to know. Never co-taught or done inclusion except for years and years ago and it was very informal. Best ways to build a solid relationship with the classroom teacher you're paired with? Pitfalls to watch out for? Thanks!

I have a principal with ZERO sped experience or knowledge observing and rating me. I got all distinguished last year from my AP. He gave me all basics & 2 unsat. He’s told us to not worry about goals

What are some tools you use to track progress (IEP goals) for high school students? How often do you track?

Anyone else the last to be informed about ANYTHING at their site? I am only a second year SPED teacher and my eyes are already wide open to the fact that admin and Gen Ed teachers so often fail to inform me about important things regarding the grade levels I teach and other school events. Then I’m left scrambling to inform my students and parents of essential information, and I’m embarrassed! My aides also look at me like why don’t you know this? Aggravating.

I don’t know about you, but this year, I want to get better at having a work/life balance. I love having the time in the summer to do things around the house, but struggle when the school year starts. If you have any tips, suggestions, or systems that have worked for you when it comes to planning, etc. I would love to hear your thoughts.

How long do you spend on core subjects if not a goal on IEP? So if most goals are life skills (putting shoes on, zipping, etc.) how long would you spend on math during math hour or how much do you worry about writing activities if they can’t write etc?

I work with middle and high school students that have mild LD. Has an felt that they have to walk them through every step of every assignment?

I have a parent that I questioning the accommodations we are providing to her daughter. Accommodations can be amended but the student does not do any work at home. Help!

What's everyone's experiences working with a board certified behavior analyst from the district?

Has anyone ever filed an episode of workplace violence after being attacked by a student? What was the process like?

Countdown... beginning now

How do you approach a stinky middle school kid or their parents with hygiene suggestions? I don’t know how to politely tell anyone that they smell bad.

My students come to my class first every morning and are really hard to settle. They continue to carry on whatever they were doing on the bus. It takes about 20 min to get them settled down and doing the warm up and the class is only 45 min. Any tips?

Best Math Curriculum for SPED Math Class 5-8. My School provides me nothing.

What IEP software/web service does your district use? My district has been converting from SEAS Achieve to SEAS Attain this year, but I’m curious about what else is out there.

How much are ESE paras paid in your district?

How do you all feel since this distance learning began? What are your specific duties related to sped and how you’re providing services? Curious how it’s being done all over.

Too many cooks in the kitchen

I love my job in special education, the job may bring quite a bit of stress and exhaustion but nothing compares to the stress of the related service team. OT, PT, speech, BCBA, social worker, etc etc is really what’s killing me this year. It is 23 days into the school year and the team members all make different plans and as a result, nothing is being accomplished. And if paraprofessionals follow ie what OT says but not PT, it cause so much unnecessary conflict!

Are there any ARD Facilitators in this group?

Did you watch 60 minutes section about student loan forgiveness? I am in my 8th year of teaching and this news of 9 out of 10 getting declined for approval of the Publc Service loans concerns me. There's no way that I will pay this off before retirement , and now to hear about the confusing rules. What do you think?