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The 4 phases of retirement | Dr. Riley Moynes | TEDxSurrey

Transcriber: Zsófia Herczeg
Reviewer: Peter Van de Ven Everyone says you have to get ready
to retire financially. And of course you do. But what they don’t tell you
is that you also have to get ready psychologically. Who knew? But it’s important
for a couple of reasons. First, 10,000 North Americans
will retire today and every day for the next 10 to 15 years. This is a retirement tsunami. And when these folks come
crashing onto the beach, a lot of them are going to feel
like fish out of water without a clue as to what to expect. Secondly, it’s important
because there is a very good chance that you will live one third
of your life in retirement. So it’s important that you have
a heads up to the fact that there will be significant
psychological changes and challenges that come with it.

I belong to a walking group
that meets early three mornings a week. Our primary goal is to put
10,000 steps on our Fitbits, and then we go for coffee
and cinnamon buns – (Laughter) more important. (Laughter) (Applause) So as we walk, we’ve gotten into the habit
of choosing a topic for discussion. And one day, the topic was, “How do you squeeze
all that juice out of retirement?” How's that for 7:00 in the morning? So we walk and we talk, and the next day,
we go on to the next topic. But the question stayed with me because I was really having
some challenges with retirement. I was busy enough,
but I really didn’t feel that I was doing very much
that was significant or important. I was really struggling. I thought I had a pretty good idea of what success looked like
in a working career, but when it came to retirement,
it was fuzzier for me. So I decided to dig deeper. And what I discovered was
that much of the material on retirement focuses on the financial
and/or the estate side of things.

And of course, they’re both important
but just not what I was looking for. So I interviewed dozens
and dozens of retirees, and I asked them the question, “How do you squeeze
all the juice out of retirement?” What I discovered
was that there is a framework that can help make sense of it all. And that’s what I want
to share with you today. You see, there are four distinct phases that most of us move through
in retirement. And as you’ll see,
it’s not always a smooth ride. In the next few minutes, you’ll recognize
which phase you’re in if you’re retired, and if you’re not, you’ll have a better idea
of what to expect when that time comes. And best of all, you’ll know
that there is a phase four – the most gratifying,
satisfying of the four phases – and that’s where you can squeeze
all the juice out of retirement.

Phase one is the vacation phase,
and that’s just what it’s like. You wake up when you want,
you do what you want all day. And the best part
is that there is no set routine. For most people, phase one represents
their view of an ideal retirement. Relaxing, fun in the sun – freedom, baby. (Laughter) And for most folks, phase one
lasts for about a year or so, and then, strangely,
it begins to lose its luster. We begin to feel a bit bored. We actually miss our routine. Something in us seems to need one.

And we ask ourselves, “Is that all there is to retirement?” Now when these thoughts and feelings
start to bubble up, you have already moved into phase two. Phase two is when we feel loss, and we feel lost. Phase two is when we lose the big five – significant losses
all associated with retirement. We lose that routine. We lose a sense of identity. We lose many of the relationships
that we had established at work. We lose a sense of purpose. And for some people,
there is a loss of power. Now, we don’t see these things coming. We didn't see these losses coming in
because they happened all at once. It’s like, poof, gone. It’s traumatic. Phase two is also when we come
face to face with the three Ds: divorce, depression and decline – both physical and mental. The result of all of this is that we can feel
like we’ve been hit by a bus.

You see, before we can
appreciate and enjoy some of the positive aspects
associated with phase three and four, you are going to, in phase two, feel fear, anxiety
and quite even depression. That’s just the way it is. So buckle up and get ready. Fortunately, at some point,
most of us say to ourselves, “Hey, I can’t go on like this. I don’t want to spend the rest of my life, perhaps 30 years, feeling like this.” And when we do, we’ve turned the corner to phase three. Phase three is a time of trial and error. In phase three, we ask ourselves, “How can I make my life meaningful again? How can I contribute?” The answer often is to do things
that you love to do and do really well. But phase three can also deliver
some disappointment and failure. For example, I spent a couple of years
serving on a condo board until I finally got tired
of being yelled at.

(Laughter) You see, one year the board decided
that we were going to plant daffodils rather than the traditional daisies. (Laughter) And we got yelled at. Go figure. I thought about law school,
thinking perhaps of becoming a paralegal. And then I completed a program
on dispute resolution. It all went nowhere. I love to write. So I created a program
called “Getting started on your memoirs.” That program has met
with “limited success.” (Laughter) It’s been a rocky road for me too,
and I told you to buckle up. Now, I know all this can sound bad. But it’s really important to keep trying and experimenting
with different activities that’ll make you want
to get up in the morning again because if you don’t, there’s a real good chance
of slipping back into phase two, feeling like you’ve been hit by a bus.

And that is not a happy prospect. Not everyone breaks through to phase four, but those who do
are some of the happiest people I have ever met. Phase four is a time
to reinvent and rewire. But phase four involves
answering some tough questions too, like, “What’s the purpose here?
What’s my mission? How can I squeeze
all the juice out of retirement?” You see, it’s important that we find
activities that are meaningful to us and that give us a sense
of accomplishment. And my experience is that it almost always
involves service to others. Maybe it’s helping a charity
that you care about. Maybe you’ll be like the old coots. (Laughter) (Applause) Yeah. These folks took a booth
in the local farmers market and were prepared to give their advice
based on their vast years of experience to anyone who came by.

So one of their first visitors was a kid
who wanted help with his math homework (Laughter) on his tablet. (Laughter) They did the best they could. Or maybe you’ll be like my friend Bill. I met Bill a few years ago
in a 55 plus activity group. In the summer, we golf together
and walk together and bicycle together. And in the winter, we curl. But Bill had this idea that we should exercise
our brains as well. He believed that there was
a tremendous pool of expertise and experience in our group, and so he approached a number of folks and asked if they would volunteer to teach some of the things
that they love to do to others. And almost invariably, they agreed. Bill himself taught two sessions, one on iPads and one on iPhones, because we were smart enough to know
that a number of our members had been given these things
as gifts at Christmas (Laughter) by their children, and that they barely knew
how to turn them on. The first year, we offered nine programs,
and there were 200 folks signed up.

The next year, that number
expanded to 45 programs with over 700 folks participating. And the following year,
we offered over 90 programs and had 2100 registrations. Amazing. (Applause) That was Bill. Our members taught us
to play bridge and mahjong. They taught us to paint. They taught us to repair our bicycles. We tutored and mentored local school kids. We set up English-as-a-second-language
programs for newcomers. We had book clubs. We had film clubs. We even had a few golf clubs. Exhausting but exhilarating. That’s what’s possible in phase four. And do you remember the five losses
that we talked about in phase two? The loss of our routine and identity and relationships and purpose and power? In phase four, these are all recovered.

It is magic to see, magic. So, I urge you to enjoy
your vacation in phase one. (Laughter) Be prepared for the losses in phase two. Experiment and try as many different
things as you can in phase three, and squeeze all the juice
out of retirement in phase four. (Applause).

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6 Retirement Essentials (Most people only prepared 2 or 3)

I'm planning for retirement most people focus 
mostly on marshaling together enough money you   know Financial Resources so that they can last 
the distance and then maybe at the back of their   heads they have some vague plan right perhaps 
two or three things to fill the time with a lot   of the times this is stuff like travel family 
well unfortunately I'm gonna say that's not   quite nearly enough for Preparation we ourselves 
have been retired for two years and going looking   back on the past two years I kind of see like 
six essential things that if you prep for it   beforehand before your retirement starts I think 
this can really make such a positive difference   to your retirement so that's what I wanted 
to bring up and discuss with you guys today   number one first and foremost of course we have 
to talk about money most people's concern is the   amount of money that they have in retirement 
whether it will last them till the end come   comfortably and allow them to afford the Hobbies 
like travel good food Etc but I actually think   after going through the last two years building up 
our financial Acumen is just as important if not   more so what do I mean by Financial Acumen I mean 
stuff like budgeting tracking projecting investing   I mean if you think about it the money in your 
bank account can always be squandered we all   know that story I think more importantly what's 
going to make your retirement more fireproof is   having an ability to generate more money where 
it came from in the first place so the second   essential thing that you can prepare for so that 
you have a wonderful retirement it's definitely   the ability to be self-directing and disciplined 
self-direction definitely helps so much with   spending your retirement days meaningfully right 
after all there are no more like work schedules   or like demands from colleagues or bosses to help 
shape your days anymore you have to be the person   to take charge in retirement there's a study out 
there actually that shows that for happily retired   folks most of them actually have about 3.6 core 
Pursuits that's what they say and the unheably   retired folks tend to have less than 3.6 corporate 
suits coming in at about 1.9 call Pursuits that's   what the study reflected I guess it kind of just 
shows in retirement you really need to fill your   life to the brim and keep busy with activities 
you love and that is a really great formula for   happiness and self-direction will help you 
to achieve that state as well as discipline   because if you think about it like discipline 
directly affects the state of your finances right   it affects whether you stick with your retirement 
planning whether you keep fit and active and you   get to maintain your health in retirement even 
whilst you're left up to your own devices even   to find your cover suits if you don't have any 
when you're starting or in your retirement so   discipline and self-direction will be like 
the building blocks for enjoying your life   in retirement the third essential thing you might 
want to work on and cultivate or happy retirement   is people skills right so studies and research 
have reflected very consistently that the main   determining factor for happiness and Longevity 
for most of us is actually relationships Human   Relationships friendships relationship with 
your spouse and with your family I guess if   you look at most of us you know we all have 
a little need of work on some social skills   in some aspect I mean some of us are a bit shy 
paper hats or graph or maybe socially anxious   working on our people skills really will help us 
to get along and live happily with our spouse and   family members and also importantly to make 
new friendships at whatever age we all know   that making new friends gets a lot more difficult 
as we get older I mean I haven't heard anyone say   otherwise for me personally making new friends 
as I get older is the biggest challenge there's   this huge feeling that nothing can replace 
friendships with people who have known you   all your life but it is also a challenge as I 
have chosen to exercise through Arbitrage in   our retirement and we've moved away from home 
so those friends aren't with us in our present   I find that it takes a lot of intention I have 
to consciously push myself to broaden my Social   Circles and make the effort to get to know people 
on a more intimate basis I am also very happy   to be able to say that it has paid off in that for 
the last two years in Bali I have actually made   two or three new friends that I'm happy to say are 
kindred spirits and not just social acquaintances   so that's very nice and it's a huge Comfort to our 
daily life here in a foreign land away from home   now before we move on a big thank you to 
Mumu Singapore for sponsoring this video   Singapore is an online trading platform for 
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just for using the Momo app so if you're actively   investing anyhow I recommend checking out the 
MooMoo ad using my link in the description below   now back to the video the fourth essential 
thing that you can definitely work on and that   will benefit your retirement tremendously it's 
actually courage you're definitely gonna need lots   of courage in retirement and I guess this isn't 
a skill exactly it's kind of more of a quality   but in retirement you need a lot of courage 
to even plunge into retirement you need the   courage to you know take that leap of faith to 
stop putting it off due to fear of the unknown   feel or financial insecurities so then it's all 
about courage at that stage not let fear and   insecurity rule your life and your decisions it 
is also the courage to recognize that in life at   the start at the end in the middle the Domino's 
you need are never all nicely lined up you know   at some point you just got to jump into it and 
then learn to cross the obstacles as they come   so for retirement long term I guess the 
biggest issue most commonly is always money   but my perspective on this is that hey budgets 
can always be reduced money can always be earned   or recouped or whatever happens so I still 
think that you know it is actually beneficial   to Advocate an approach whereby you get to 
a point where you feel that you have most of   your Ducks lined up you've planned well you've 
prepped for it grab hold of your courage with   both hands and then take the plunge people tend 
to think of retirement as the end but it's not   it's the start of a new phase where you should be 
trying so many new things new Pursuits new ways   to live and for each of these new adventures 
you're gonna need courage to take action and   once you have taken the plunge you'll find the 
next fifth thing very very useful and that would   be a mentality of resilience especially in early 
retirement there are a lot more decades ahead of   you you know and therefore a lot more chances that 
they things can go wrong whether it be down to bad   financial planning or perhaps an unexpected Health 
catastrophe or even sometimes natural disasters   whatever comes I guess you will always need that 
strength of Will and the resilience so that you   can roll with the punches and then get back up 
you want to know that you have the mental strength   that even if things go pear-shaped you won't just 
give up and lose hope and certain Corner you've   got to Marshall what you've got inside you go out 
there find Solutions perhaps if necessary you've   got to go back to work but know that later on 
you can return to retirement and try again so the   sex essential thing that I believe will benefit 
everyone in retirement is to cultivate an attitude   of gratitude we all know life is a very long 
journey hopefully at least and so much of what   we Chase using most of our years actually doesn't 
really matter in the big picture once you have   taken a step back and then at that point is when 
you start realizing the earlier you cultivate and   attitude of gratitude and that appreciation for 
the simple little things that are probably around   you everywhere every day the happier you probably 
will be and it sounds silly but it's not really   automatic I mean we all live and grow up and 
work and go to school in a society that kind of   innovates us with messages that we need to reach 
for more have more ambition gives us you know that   High definitions of success in life that we 
have to try to jump to reach and nobody sings   the Praises of the pleasures of a simple cup of 
tea you know the importance of family time with   your loved ones or or just the pleasure of being 
able to take an evening walk on the beach with   your dog so I think that it's very important that 
somebody reminds you that you know you can not   overload what you already have what you're already 
surrounded by growing that muscle of appreciation   so that in each and every moment you are present 
in your own life you see all the little Joys that   you're surrounded with every day and if you 
live life like that I think that will help   you achieve contentment with just the small stuff 
around you and that's what majority of your life   in retirement may be about is just a small stuff 
every day but in my own retirement here in Bali it   is what makes me so grateful and so happy every 
day that I am surrounded by my loving husband   and very interesting and independent little dog 
that's very very cute you know that we have very   comfortable a bit simple house we have the ability 
to enjoy good food even if it's simple stuff   from the war rooms locally we have a garden and 
beautiful things are growing around us every day   the weather is great you know stuff is good yeah 
I think this is one of the most essential simple   things that's often overlooked simply because it's 
a matter of mentality but I believe this essential   quality or characteristic could make all the 
difference for you so these are the six essential   things that I believe are very very important for 
you to cultivate and prepare for in the leader to   actually taking the plunge into a return then I 
think that if you have these six strong skills and   qualities going for you you will be in a position 
much more well placed to make the best out of your   retirement however long that period may be let me 
know what you think of my suggestions whether you   agree or if you think they suck let me know why 
but in any event I really appreciate you tuning   in and sharing my thoughts for this week and 
wherever you are in the world I'm wishing you   a happy Saturday evening and let's speak again 
next week till then you take care and bye for now

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Retirement Counseling Tips

Hello and thank you for attending today's webcast on retirement counseling tips My name is Joy Fisher and I'm Patricia Sapol and we are from OPM's benefit officer development and outreach team We have an allotted time of one hour and a half for today's presentation And there will be an opportunity to submit your questions for any questions that you may have. You may email Benefits at opm.gov and the subject line, please add Retirement counseling tips so that we may address your question during today's presentation Our objectives today are counseling and retirement planning tips common causes of retirement delays and retirement resources We will explore key times in the federal career that are significant and optimal times to maximize opportunities to educate our employees on their benefits and retirement planning tools We will also discuss the most common items that contribute to retirement delays and how to reduce or eliminate those errors and Finally, we will share some of the many resources available for retirement planning As we will touch on a variety of topics during today's webcast we want you to have the references that are available from the CSRs and FERS handbook The Code of Federal Regulations, and we will talk about a few of our benefit administration letters specifically submitting a healthy retirement application package as you know the handbook the code of federal regulation and BLS will cover everything from coverage Determining retirement coverage credible service how to plan and apply for retirement and everything in between Retirement counseling is so important throughout the federal career We find optimal times to retire to to teach our choice about retirement from the very start of their employment So from your new hire orientation? planning to key times such as Mid-career pre retirement and the retirement eligible we continue to educate our employees on their benefits and retirement Educating employees about their benefits is a career long process which provides them the Poison needful to set and reach their retirement goals this approach ensures that as life changes Throughout their federal career employees will be equipped with the knowledge and tools they need to make sound decisions Employees should be aware of the agents service requirements for retire the options to enroll and change their benefits and their insurances as life changes and how to navigate those tools and the resources that are available to help them plan financially By identifying addressing these educational needs during key points throughout their federal career We are equipping them and greatly reducing the anxieties that may come as they near retirement When retirement planning is a part of the career planning process Employees would know how to build a solid retirement base to which they can contribute Their throughout their years of their government service The agency is responsible for providing that ploy and all inclusive presentation covering all of their benefits and retirement planning tools As I mentioned the new employee is Although they're coming in fresh and started and have a lot to learn This is a great opportunity to start them off and the right on the right foot with learning about their benefits and their total compensation including their benefits and retirement the newly employer Federal employee at this time.

They are new hired after 2014 are covered under the Federal Employee Retirement System federal employee Was you're sorry? Free so it's um, the Further revised annuity employees So these employees should understand that they are covered by the first and what their contributions should be. So the Employees that are not under a special retirement coverage. They will be contributing 4.4 percent towards first Previously under fers-rae which is first revised and new employees.

Those employees were contributing 3.1 percent if they're not under a special retirement coverage and prior to this FERS just Federal Employee Retirement System those employees were contributing point eight percent so although the contributions may vary the benefit remains the same you can find more information on how to determine what type of Contribution these employees are on ba L 14 – 107 which provides additional guidance and also a contribution rate table and Determination table to learn how the employees should be contributing based on their service time since first is a retirement plan that provides benefits from three different sources is Importance for the new employee to understand what they're paying into and why? They will be penny – first which is that basic benefit.

They will contribute to Social Security which list listed on their earnings and leave statement as OASDI standing for old age survivors disability insurance and Also, the new employee is contributing to TSP with an automatic contribution of 3% They should understand how to maximize that TSP benefit by Contributed at least 5% knowing they would get the full agency matching as well of 5% Understanding that if they contribute anything if they don't contribute anything at all The agency provides it automatically 1% contribution They will match dollar for dollar on the first three percent and then 50 cents to the dollar on the next two percentages it Is imperative for employees to understand their service computation date and also know that there's several of them not just one They should understand what their leave service computation date is what service is included in that SCD? They should understand how that affects their leave accrual They should understand what the retirement SCD Covers and what is all what services included in that and why they may differ they definitely want to know about that TSP SED and that it that also Controls their vesting date So with 3 years of civilian service having them vested to keep that TSP contributions the automatic ada seaman contribution so you wouldn't be able to explain to the employees all of their SCDS what in the fest and if there's anything needed to they need to do like Deposits for military service or a civilian service that was not covered under a retirement system To change or if they can change that SCD, especially when it comes to retirement at this stage it is very important for the employees to identify any served previous service that they may have and we want to get those records and Reconstruct that SCD if necessary so that all of those are pool dates are correct You want to make sure the employees understand the resources that are available to them whether that is an internal retirement Calculating tool a benefits tool where they can find out what their there Deductions will be such as the FE HB comparison tool or FEGLI calculator that is on the OPM's website You give them all the knowledge that could equip them with all the knowledge that they need So that they are able to make sound decisions on their benefit election as life changes TSP also offers several bit web website their website offers several videos and Other tools to help those new employees to decide on what they want to contribute whether it's the Roth or the traditional TSP It explains different options on how to maximize their benefit even having TSP calculators So just giving them those tools to navigate the websites.

No understanding What all the tools are available at resource are available to them to equip them or what? They need to make sound decisions for them and their family members Equally important is the pre-retirement Just as important is the new employees where the ploys are not quite eligible for retirement, but they're nearing the pre-retirement stage They should be aware of what they should be Financially preparing for for them and their families they want to make sure they review their records and everything is in, Texas We've already made sure that as a new employee stage that we've identified all service And we've reached out and received all those records We want to make sure that everything is accurate and complete in their records at that time if they need to make changes to their records such as Beneficiary forms they want to make sure they do that.

They have everything up-to-date and accurate at that time They want to start thinking about their health and life insurance and what the requirements are to continue those insurances and to retirements Thinking about survivor benefits planning what a benefits will be available to their survivor upon their passing Thinking about what what is my retirement eligibility date? How are you identify what that dave is and work you towards that date making sure they're both Painting financially and also making sure they have their requirements for benefits to continue that into retirement Financially playing about the commitment date of their annuity Thinking about there are some checklists available on OPM's website in chapter 40. You actually have the CSRs and FERS handbook There are some checklists to help employees to think about what they need to do to plan for their retirement that was from the assurances to Ensuring their records are complete to thinking about survivor insurance of our benefits. Just everything everything in between There are some checklist available in chapter 44 that which is part of one of our references that we showed earlier So at this time, they're already started thinking about their retirement date What will my retirement date be I now understand you've equipped me with the knowledge and tools to understand? What what I need to retire, I understand the age and service requirements, but what is that date? What will that date be that I'll retire So while employees may be to choose any date once they are eligible for retirement for FERS We should advise them that for the let if they retire at the last day of the month Not their annuity will begin to accrue the very next day while CSRs can retire the last day of the month or the First second or third day of the month and their annuity will also begin to accrue the very next day They should understand that while they may choose any day that they are eligible Should they retire in the middle of the month that it will still not begin to accrue for their retirement? annuity until the first other month depending on their retirement system They need to think about leave accruals.

Sometimes we may choose a date of the end of the month for first but it may not necessarily be the end of a pay period so Understanding how the leave accrues and knowing that if you do not work the full pay period the lilee that you're planning on Happening for that lump sum payment may be a little bit different because you did not earn that last Eight hours if you have you know, the amount of service for eight hours Or four hours of sick leave eight hours of annual leave or four hours of sick leave So understanding that that retirement date could affect my leave accrual and so if you're planning but might your gross Leave lump sum payment understanding the differences that may occur because of that Starting to think about that interim pay status and how I need to financially plan and prepare for that What is interim pay that means I'm not going to retire. I mean I pick my retirement date Am I going to receive that my full retirement right away? No, so understanding that when that annuity is received you will first be in an interim pay status Which is averages anywhere from three to six plus months Before you actually your retirement is actually finalized and you have received your final annuity So that's the women selecting their retirement date We want to think about that.

Am I financially prepared for those few months or so of the interim pay status? Again, reminding them about that health and life insurance Continuation making sure they met the requirements to continue that health insurance or that life insurance. Should they want to carry that into retirement? So this always before we select a mid-career Pre-retirement thinking about all those different types of things that we need to help be prepared for So that we can retire happy and stress-free We talked a little bit about leave balances annual leave and sick leave so the annual leave when the ploys retire will be paid out in a lump sum balance and With the taxable income will be based on when that lump sum balance is received So that could be a few weeks after Retirement and that is paid by the payroll agency while credit for sick leave differs for CSRs CSRs offset and first all credible unused sick leave will be Converted and add it to the total service time So for a CSRs employees that may have reached 41 years and 11 months of service Instead of they can actually a seed that maximum benefit of 80 percent by including that sick leave time So it's a great benefit for all of our retirement covered employees.

There is a sick leave conversion chart You may find that it's also a link to one of the references that we showed earlier in the presentation It is the agency's responsibility to provide a retirement annuity estimate the note of the annuity estimate is such important tool for a resource for our employees to properly plan for their retirement, especially Financially we want to provide them all information to make a sound decision so if they have service time that requires your deposit if they have military service that they may want to pay a deposit for or They're retired military and they may want to they're considering waiving that military retirement pay to be included in that civilian time We want to make sure That we provide them all of these different options so that they can make a sound decision And move forward with that decision in their retirement goal They have unpaid deposits and redeposits We want to do the needful just to show them how they can obtain the annuity statement the account statement for that so they even if they choose not to pay that they'll be aware of what the cost is and how to pay that to OPM for that to be credible towards their retirement We want to make sure that they understand that since they're paying into Social Security if they're under FERS That they may be eligible for FERS annuity supplement Which is ll2 if they're eligible for will be paid out to them from OPM until the age of 62 They are that's another counseling tip is you want to make sure they know during interim pay While they are if they are eligible for FERS annuity supplement They would not be paid this supplement during interim pay however it is Retroactive so it will be paid once their annuity is finalized.

But that is definitely a financial planning tip that they need to understand about that first annuity supplement if eligible, but if you have the information Please also include that first annuity supplement in their estimate so that they have all those different sources of income to plan financially for retirement Should they have several different options? They're considering there may be eligible for it a minimum retirement age with ten years of service But also considering postponing that retirement to hopefully avoid that age reduction If you want to show them those options and explain how their benefits will work with both of those options So equip them with all the tools necessary to make a great decision That they can be happy with their retirement plan and reach all of their goals So again going back to that new hire the credible service is so important We want to make sure we have identified and obtained all the records for that employ federal career if there's any previous civilian service for which The deposit needs to be made we want to counsel them on this provide them the information Needed to make the decision and help them with the procedures to submit that application to OPM to start making those payments we want to talk about military service and Understanding that if your FERS employee or depending on when you were hired for CSRs employee that that time is not credible Unless a deposit is paid thinking about that and also understanding that that military service must be paid while at the Agency while you do have an option to pay civilian service after retirement by lump sum payment to OPM Because both have interests that accrue.

It's definitely better to be prepared to do that earlier on in the career that's why those retirement planning options and that planning counseling tools are so important to our employees throughout their federal career So they have the information they need and if they're able to make that deposit that time or at least work towards those deposits They can do so again Military deposit must be paid prior to separating from the agency So our next slide talks about civilian service deposits for CSRs I mentioned that depending on the dates of when service is performed Could determine how those that naughty touch to the service may affect the CSRs employee? So a deposit is the payment for a period of employment retirement deductions were not withheld from salary Employees are not required to make this type of payment for CSRs But they have that option if they want this time to be credible depending on when that service perform they may want to make that deposit so that they maximize their benefit with all of their service a Deposit may be pay for credible civilian service performed before 10/1/82 During which with how many dustin's were not withheld from paid Retirement credit will receive for all of this service whether or not the deposit is paid.

However A lesser deposit is paid in full at retirement that annual benefit will be reduced by 10 percent of the deposit including interest a redeposit is the repayment of retirement deductions that were previously withheld and Refunded plus interest if their ploy to make a redeposit refund for a pyramus service that ended before March 1st of 1991 this monthly annuity will be actually reduced based on the amount of the Redeposit do including interest divided by a factor for their age at retirement if the refund was support period of service that ended after March 1st of 1991 if the Redeposit is not paid.

The employee would not receive credit for the service in the computation of their annuity CSRs employees with a would complete the standard form to 8:03 application to make deposit or redeposit Deposit which is certified by their Human Resources office once submitted to OPM OPM will send the employee an account statement along with payment instructions Once notified of the amounts due employees will have what is needed to decide whether or not to begin those payments? Employees should be counseled at all.

They may complete this payment after retirement by lump sum by OPM their annuity would not be Finalized until this decision is reached within the time allotted and this could cause a delay in the final computation computation of their new ateam For our first employees, they also can have non-deduction service Performed before January 1st of 1989 that non-deduction service with a few with a few exceptions such as Peace Corps Vista The we are not eligible to make a deposit after January 1st 1999 for not induction service however service performed before December 30 before January 1st 1989. They may make a deposit similar to the CSRs If the FERS employee does not make a deposit for non-deduction service that time is not credible at all towards their retirement or eligibility For refunded service If they do not pay for that period of type of service they will receive credit and determine eligibility To retire but what not to receive credit for this service in the computation of the retirement benefit interest is charged on the day of the refund and Compounded annually and interest is charged to the date full payment is made or the day annuity begins.

Whichever is earlier We spoke a little bit about military service So we have many of our federal employees that have performed honorable active duty service or it may have even retired from the military we need to explain all of their options in both situations the employees that have had post 19:56 in Military time should know what their options are as far as a military deposit as far as as well as what the deposit amount of DU will be Remember that this must be paid from the a at the agency This must be paid prior to retirement at the agency if the employee is considering like I mentioned earlier waiving that military retirement pay making sure they understand what that involves as well as Providing an estimate of that so they can compare that military retirement pay The deposit old if should they waive it as well as what the civilian retirement will be with that military retirement waived Retirement eligibility is another important aspect of retirement counseling Helping understand why and how employees are eligible will help employees make the right decision in choosing the type of retirement that best meets their needs or wants and needs agencies are encouraged to help employees understand the difference between each type of option and walk them through understanding what each type requires we know that the most common type of retirement is under a regular or voluntary optional retirement where an annuity begins to accrue Immediately now for these for this type of retirement the employee needs to be 60 years old with the minimum of five years or service Or be 60 years old and have 20 years of service on certain employees May also qualify under this voluntary option without any age reduction if under CSRs if there are 55 with 30 years of service and under FERS They may retire at their minimum retirement age are commonly referred to as the MRA Which may be be between 55 and 57 depending on the year? They are born with 30 years of service or other MRI MRA with 20 years of service Now some employees may be interested in retiring under a voluntary early retirement Authority or veera Otherwise known as an early out however They need to understand that this option is only available when the agency is able to provide them with this option Vera is an option used to assist agencies in completing a major personnel or workload change with minimum disruption so in this case employees need to be 50 years old with and have 20 years of service or any age with 25 years of service in order to be eligible to accept Avira early I early-out retirement option The employee must be serving in a covered Position to be able to take this option and be serving in that position for at least 30 days They must separate during the Varia period and be off the rolls by the close of the veera period it's important that employees understand that this is a requirement if they decide to choose a veera option other employees might qualify under a discontinued service retirement And this is a type of retirement available to employees.

Who are I'm Voluntarily separated and who receive a written notice of involuntary? separation that written notice will be It needs to be included as part of the retirement package in order to qualify for a DSR annuity examples of DSR include reduction in force abolishment of positions and lack of funds if Separation was due to misconduct. Then the employee will not be eligible for a DSR So it's important to know the distinction and be able to explain to employees the distinction that we'll be able that will qualify them for a DSR Certain employees may qualify for disability retirement if they meet a Comprehensive list of requirement only after an employee has provided the agency with complete documentation of their medical condition and the agency has exhausted all attempts to retain the employee either by Reasonable accommodations or reassignment on their first an employee must have completed at least 18 months of federal civilian credible service in order to apply for it for a disability while under CSRs They must have completed five years of service and be any age Now under this disability provisions employees need to understand that the disability must have occurred prior to Retirement and the disability should be expected to last for more than one year The disability does not have to be work-related in order to receive of annuity from OPM Employees covered under FERS who separate from government service Before meeting the agent service requirements necessary for a voluntary optional Annuity can qualify for a deferred Retirement where they can start collecting their annuity at a later date when their I am turn age 62 or at their MRA if they have 10 years of service Now if a first employee separates after reaching their MI MRA with at least 10 years of service they can postpone Receiving their annuity until the appropriate age to reduce or eliminate the h reduction In with this option the important the key thing to understand is that employees can suspend their health and life insurance benefits Until they start collecting their annuity They they are going to have the option to elect when their annuity can begin But they must start withdrawing at age 62 employees that choose this type of retirement Can later apply directly with OPM by filling the application for deferred or postpone retirement Which is they are I 92 – 19 within sixty days before they want this benefit to begin There are also certain Lawson that allow law enforcement officers air traffic controllers firefighters or military reserve technicians personnel to retire at any age with 25 years of service or at Age 50 with 20 years of service for those of you that are interested in learning more about this special type of retirement We have a separate webcast on our youtube channel called first law enforcement and firefighters special retirement provisions Which discusses in depth the special retirement? For these type of employees keep in mind that an employee may be eligible for more than one type of retirement But as always it is the employees choice on which option to elect.

I Like joy stated agencies are responsible for providing employees with the retirement annuity estimate So when a retiree an employee receives their annuity estimate There may be some questions regarding how their annuity was calculated use age. These are encouraged to use This estimate to allow employees to see which factors were used in calculating their annuity Their first factor as many of you guys know it's the their high three salary which is based on the highest average basic pay earned during any three consecutive years of Service, these three years are usually towards the end of an employee service but be aware that can it can occur at an earlier period if the basic pay was higher during that period the other Factor used in the computation is length of service or years of credible service Which is all periods of credible service both under civilian and military Service in any on use sick leave make sure employees have submitted all deposits and redeposits So that all their service is included in their computation Another key point in employees annuity is the first supplement like joy stated earlier employees must have completed at least one Calendar year of first service and must be under must be under the age of 62 to be eligible The supplement is going to stop when the retiree turns 62 Even if the annuitant is not eligible for Social Security Benefits or if they choose not to apply.

So this is an important aspect to cancel your employees on that It will terminate once they turn 62 Those employees that choose Choza d. Sr. D sr. Or veera Retirement option will receive the supplement once they reach their MRA however, those that have a Are collecting a deferred disability or mi plus ten? Retirement annuity are not eligible to receive the supplement knowing how these factors are used in their Computation will help employees better prepare for retirement and perhaps consider Delaying their retirement that date or even postponing their annuity It's important to also let Your employees know that they will be receiving an annuity payment once a month which is paid each month that covers a period for the previous month that we'll also want to know that AB nuit II payments are a Lifelong benefit and will only terminate on the day the annuitant dies or other terminated events provided by law It's important also to discuss reductions to the annuity use that retirement estimate to help employees understand that they may They may have their annuity to reduce due to several factors The first one is age if the employee retired under the MRA Plus 10 provision.

For example Their benefit will be reduced by 5% For every year that the employee is under age 62 on the date the annuity begins However, the annuity will not be reduced if they've completed at least 30 years of service Or if they have at least 20 years of service and their annuity begins when they reach age 60 Now if they choose to postpone the beginning date of their annuity the H reduction Will be eliminated if they start collecting at age 62 Now the H reduction applies to both CSRs and FERS components Of the annuity if they if they transfer the first and part of their annuities computed under the CSRs provisions CSRs employees retiring under a veera or Adsr incur a 2% reduction for each full year of every month that they're under the age 55 This is a permanent reduction That will not go away when they turns 55. So make sure the employees understand this that this is a permanent reduction to their annuities another factor that may reduce their annuity is survivor benefits if they're married their annuity will be Reduced for a survivor benefit unless their spouse consents To their election of less than a full survivor benefit if the total the survivor Benefit they elect equals 50% of their benefit.

Then the annuity is going to be reduced by 10% Which in if the total equals 25 then the reduction is 5% for CSRs survivor benefits The cost is going to be 2.5 percent of the first 36 hundred of the selected based annuities Plus 10 percent of any remaining selected base Other the reductions to identity will be based on Unpaid or refunded service, like joy explain and remind employees that if they did not pay a deposit for CSRs non-deduction service performed before October 1 82 their annuity will be reduced by 10% of any Deposit owed and if they did not make a redeposit for CSRs refunded service performed before October 1 of 1990 they will have a CSRs portion of their non disability benefit reduced by an Actuarial factor now under FERS employees need to be aware that they will receive.

They will not receive any credit on their annuity for non-deduction service perform after January 1 1989 Now for CSRs offset employees, there'll be a reduction or offset at the age of 62 if they're eligible for Social Security Benefits by an amount equal to the Social Security benefit. They earned as a CSRs offset employee they need to know that the offset is Automatic and will happen if they don't apply for a Social Security benefit employees also need to consider deductions to their monthly annuity for example health and life insurance premiums and federal tax withholdings, which will be we will discuss next on slide number 18 They will need to account for federal and maybe state tax withholdings from their monthly annuity check as well Generally unless they specify a monthly withholding rate amount on their retirement application by submitting a new w-4, or Indicating they want to keep the same withholdings They had as an employee OPM will withhold federal income tax as if they were married and claiming three allowances okay, they may also submit the w-4 PA, which is Their Election of federal income tax withholding to OPM after they retire and Change to change those withholdings and they may also do that those changes online once they are retired OPM will provide a form 1099 – our Detailing the annuity payments received during the previous year I know attends receive this form around the first or second week of February Just in time to file their taxes and engines this may get a lot of questions About this form even after an employee retires So make sure to let them know that OPM is the one that will issue that 1099 are Now if employees wish to have state tax with whole with help from their annuity They must specify a dollar amount of the state tax they want withheld from their payments The withholding must be in whole dollars and the minimum amount They can with we can withhold for state income taxes five dollars they can also do this elections online that can start change or stop state tax withholdings during using the annuitant portal Now in most cases retirees will receive a cost-of-living adjustment or Cola Now it's important to advise employees and make sure that they understand that only in certain situations they will Be allowed to To have this increase in their annuity payments for both CSRs and FERS employees and their Survivorman Dependents that amount will be based on the rate of inflation as measured By the Consumer Price Index the 2019 Cola rate For CSRs this year is 2.8 percent while the first is 2.0 percent and this actually came out in October of 2018 Now the cola rates are going to be Increases are going to be effective on December 1 of each year and are applied to the annuity payments made the following month It will appear on the first business day of January colas for those retired less than one year are actually Prorated according to the date in which they retired for example if an employee retires in January, their first adjustment will be made in January of the following year and will be prorated for 11 months of the cola amount if they retire in February, it will prorate it for 10 months and so forth for CSRs employees, the increased percentage is going to be applied To their monthly benefit amount before any deduction and it's going to be rounded down to the next whole dollar Now the cola for first is a little bit different and your first retirees need to understand that they will not be able to collect To receive a cola increase until after reaching age 62 The first Cola increase is calculated differently than CSRs if the increase in the CPI is 2% or less the cola is equal to the CPI increase if the CPI Inc increases more than 2% but no more than 3% then that cola is going to be adjusted to 2% if the CPI increases more than 3% then the adjustment is 1% less than the CPI increase and that new amount is going to be rounded down to the next whole dollar Additional information on colas can always be found on the OPM website on or on chapter 2 of the CSRs and FERS handbook Now in preparing for retirement employees need to know that their health and life insurance coverage normally must be in effect continuously for at least five years before the retirement date or They'll be ineligible to carry this important benefits into retirement The employees also have to have been retired under an immediate annuity and be covered under the Fe h b on the date of retirement and this is important for employees to understand if they were covered under another coverage either Through their spouses.

Fh we are TRICARE and they would like to continue fvh be on their own as a retiree They must be enrolled prior. So it's always recommended for employees to Enroll during the previous open season before they retire Now OPM has the authority to waive the five-year Participation requirement when it determines that it would be against equity and good conscience not to allow a person to be enrolled in the FE HB program as an annuitant, however They love specifically states that it must be due to exceptional Circumstances so OPM almost never grants this waiver Now the premiums for FHP will be the same for the annuitant as they were for the employee however They will be withheld on a monthly basis rather than bi-weekly basis because the annuitant only receive one Payment a month and they will be deducted on a post aspect Basis since retirees will not be eligible are not eligible from premium conversion Now employees face a very important survivor Benefit decision at retirement if they elect a survivor benefit it can provide their survivors their surviving spouses with both a monthly annuity check and Continuation of their FHP coverage for the rest of their life unless of course, they remarry before age 55 so making sure that employees understand that a surviving spouse Can only carry FHB coverage after the annuitant dies if a survivor annuity was elected without a survivor benefit that spouse loses coverage 31 days after the retirees death Now if the annuity of the retiree or the spouse's survivor annuity doesn't cover the monthly premium the premium Can be paid directly to OPM now there you may have some employees that may want to cancel their FHB either because they're going on their spouses Coverage or for any other reasons they need to understand that they will never be able to re-enroll unless they suspend that to enroll in a Medicare managed care plan or if they're eligible for Medicaid if they do choose to cancel their coverage, it won't be effective until after the starting date of their annuity Okay, it's also good to remind employees that retiring is not a qualifying life event.

They won't be able to change enrollment at retirement However, once they retire they can change their enrollment during the annual open season or when they experience a qualifying Life event if the employee is not eligible to continue health benefits coverage into retirement the agency must advise individuals of the right to temporarily continue coverage on their TCC they must though Understand that they will be responsible for paying both the employee and the government shares of them only monthly premium plus that 2% of ministration charge Now some employees may have already been eligible for Medicare if they're aged 65 for those retirees that are not they will become eligible under both first and SURS when they turn 65 there will be Eligible for Parts A which is hospital insurance and Part B Which is medical or physicians services? The Social Security Administration will automatically contact their retiring about enrolling in these plans They will also have the option to enroll in Medicare Advantage Plans C which is a private health care choice like an HMO or Part D Which is a prescription drug coverage however, they need to be aware for that parts B through D are optional and there is a cost associated with Enrolling in these options Your employees can always visit medicare.gov for more information on the cost and eligibility now once retirees you know elect to enroll in Medicare Medicare will be the primary payer and AF ehb will be secondary This is important because they will need to know how the coordination of benefits will pay out when they receive medical bills Like I mentioned earlier if employed cancers there FHB enrollment as an annuitant they will never be able to enroll in FHB However, they may suspend their enrollment in order to enroll in a Medicare Advantage plan TRICARE Peace Corps Medicare or a similar state-sponsored program Of medical assistance, they cannot suspend their fhb enrollment if they're covered by Medicare Parts A and RB only in Retirement annuitants can only apply to suspend their coverage at any time by contacting our retirement information office and submitting all necessary documentation to show Eligibility for TRICARE during the period beginning 31 days before and ending 31 days after the date They become alleged eligible under TRICARE or another program now once they suspend FHP coverage they can later voluntarily Re-enroll during an annual open season We will send open season packages each year with instructions on how to re-enroll But if they involuntarily lose coverage under one of the programs mentioned on on this slide they can enroll in Fh be effective the date after they lose coverage If provided they provide evidence of in their involuntary loss of coverage Now if they wish to cancer their enrollment for any reasons other than to be covered under families at BHP enrollment They will not be able to re-enroll in FHP and will not be entitled to receive the free 31 day extension of coverage or to enroll in TCC those are the major Differences between cancelling and suspending fhb in retirement Remember it is the agency's responsibility to assist the employee in completing their retirement package But remind employees that there may be some processing delays in their application if there's missing or inaccurate information We found that there were several factors that would cause a process Processing delays in regards to health benefits the single most common error found in retirement package was failure to document the five years of coverage Or from first eligibility and through all periods of eligibility of less than five years We will like documentation of an employee's coverage for their entire career possible But at a minimum we must have proof of the five years of coverage immediately prior to retirement about 12 – 103 Which is titled submitting health or repair retirement packages States some of the acceptable alternative proof of coverage one is they can submit the SF 2809 which is the health benefits election form or the 28 10 the notice of Change in health benefits enrollment as proof.

They can also provide history repros from online enrollments that show The enrollment copies of screenshots or other documentation, but for a more comprehensive list You can always visit that about 12 – 103 Another factor in processing the latest failure to submit the certification of eligibility of the five year enrollment requirement when an employee appears to be eligible under a Veera The certification of eligibility must be submitted with the retirement application We've also published several webcast Describing form by form what information we're looking for to enable Agencies to complete and accurate packages that will avoid delays and in those packages Now it is important for employees to understand we're on life insurance slide number 26 It's important for a place to understand how their FEGLI benefits will change into retirement They need to know how to elect affordable coverage before making a retirement election There are multiple online resources that will help them understand These options and how much they will have to pay per month of the coverage they need The first thing that they need to consider is that just like fe HB, they're eligible to continue Basic and optional life insurance if they have been enrolled in FEGLI for at least five years immediately preceding retirement Employee must also be enrolled in FEGLI on the data retirement lampole will have the option to retain the full amount of their basic FEGLI coverage or elect a coverage reduction for their basic coverage amount they'll have To choose the amount of basic insurance.

They want to continue after age 65 or At retirement if they have already reached a 65 the choices are a 75% reduction a 50% reduction or not reduction But have your employees use that FEGLI calculator on the OPM website to help them determine the value of the various combinations? of the FEGLI coverage It will also help them calculate the premiums for the different combinations of course of coverage And and it will show them how to choose different options And what they will be able to see how the life insurance Carried into retirement will change over time as well This is a great tool where they can quickly and easily find estimates about continued coverage into retirement Coverage for optional coverage life Optional coverage into retirement is a little different when they retired and reach age 65 option 8 coverage automatically begins to reduce by 2% of the pre-retirement amount each month until 25% of the pre-retirement amount remains option a is free once it starts to reduce there is no reduction election to make at the time of retirement for option a Now employees must choose however how many of their option B in or see multiple? coverage they want to continue now the cost of be multiple coverage if they choose to keep it into retirement becomes very expensive and increases with age And retirees must carry Basic insurance in order to elect any of those the three options on like basic enrollment though Optional insurance is voluntary and they must apply for and select the options they need and can't afford again Using that FEGLI calculator on the OPM website will help them determine the best option That they can afford into retirement and that in the option that they need to cover their loved ones Now if the retiree changes their minds once they start collecting their annuities they may cancel Basic or optional at any time unless they have assigned their life insurance they need to know that they cannot increase their coverage after retirement or Reinstated if they had canceled it at retirement Just like fvh B We found several factors with submitting FEGLI documentation for coverage after retirement that would impact an employee's Retirement application again, it's important for employees to know these these type of situations that could delay their application the first common error found is again providing that documentation of five years of eligibility We want to see an employee's coverage for the entire career Wilkes will accept the S of 2017 life insurance election form and the SF 50 showing any FEGLI changes in the five years immediately prior to retirement as acceptable proof of coverage Also be aware that will not we will not accept Corrections on the form any scratch outs wideouts lineups or any other type of Correction actions and either the continuation of life insurance coverage the 28:18 Or the designation of beneficiary for FEGLI which is that standard form 2823 Now new forms must be completed in lieu of any alterations to previous for it for any Corrections made on these forms About 16 – 102 however provides additional guidance on Corrections made on uncertain benefits elections Now employees may also be able to carry their dental vision and long-term care benefits into their retirement They will not have they do not have that five year rule to continue these benefits the only interesting point that employees need to know is that They should contact benefits directly to make arrangements for premium payments prior to receiving an annuity annuitants may enroll as long as they're eligible for fe h b Regardless of their FF PHP status as long as they retire on an immediate retirement under the federal long term care insurance program of or fltcip Retirees and qualified relatives are eligible to continue benefits and just like fedvip They must make arrangements with LTC partners to ensure that there's no interruption of their premium payments There are no government contributions made towards long term care premiums And retirees will have similar option plans plan options to those as they had as employees now unlike fedvip and long-term care employees are not able to continue their flexible spending accounts or FSA's into retirement The law allows FSA along allotments only from salaries not annuities so FSA coverage will terminate However, though it will terminate a retirement.

However Any reimbursable expenses made prior to the retirement will be reimbursed or paid once the claim is submitted Let's talk about tsps We all know TSP offers several options for withdrawing the monies from from your account when making the decision about what to do with their funds employees should be encouraged to think about their income needs and the Lifestyles, they would like to have after retirement Hopefully they'll be TSP millionaires where they won't have to worry so much But that may not necessarily be the case for most of us The decision that retirees will have to make on withdrawing their money Depends on their specific goals do they need money right away? For an important purchase do they want to avoid paying taxes for as long as possible? They want to receive a payment every month that they want guaranteed income to last them a lifetime So considering all these options o their personal goals, it's what it's going to help them determine What kind of withdrawal options? They want to take retirees will have two main options for withdrawing their TSP fund They can make either a partial withdrawal or a full withdrawal Under a partial withdrawal a well It allows them to make a one-time-only withdrawal and leave the rest of the money in the TSP fund until a later date They can also withdraw their money all at once over Over a period of time or they can purchase an annuity that will make payments to them for life For maximum flexibility though.

They can choose any combinations of the full withdrawal options Now if they decide to leave their money in the TSP, they will no longer be able to make contributions Into that cap will we continue to but but their funds will continue to accrue interest TSP will notify them that they must at what point they need a start receiving payment They essentially taking withdrawing the funds by April 1 of the year following the year in which they turn age 70 and a half so at 17 and a half years old. They will have to start making some of the those withdrawals Really the withdrawal decisions should be based on whether or not they have other resources of retirement income All of their resources, you know Should be taken into account when making this decisions now They should also be aware of possible tax penalties On early withdrawals in general TSP withdrawal payments are subject to federal income tax however Different tax rules will apply to different withdrawal options as well as to the type of money whether it was traditional or Roth contributions that are included in that funds in the fund Now while in retirement retirees will not be able to make contributions or take out TSP loans But they can they can also they can certainly move the funds around do and make interfund transfer as They wish there's a great deal of resources available on the TSP website that can help employees Determine the best TSP withdrawal option for them They have access to retirement income calculators and monthly payment calculator in different publications on cash out taxes distributions and also information on possible of changes in withdrawal options Now once agencies complete counseling employees about their benefits and retirees It's important to sit down and review the completed application With the employee ensuring that all blocks are properly marked and that it has been signed explained to the employee how their retirement application will be processed by your agency and then later by OPM Explain to them how agencies will audit in An organized a retirement package to make sure the certified Sam your Federal service The agency checklists are completed as well as FHP and FEGLI documentation is included then they will send the applications to OPM after payroll certifies all the deductions You know another talking point would be to Know making sure the employee understands that OPM cannot begin to process a retire minuite Until after receiving a completed application and all supporting documentation of that employees service history Explain how OPM's respire I'm sorry payrolls responsibility ended up in the process or authorized to make that final paycheck of a Lump sum payment for unused annual leave.

They're also responsible for issuing and closing out the IRR Whether it's the SF 2809 Hundred for first Which reflects all the service history all the salary history and the contributions and then forwarding that information to OPM If the retirees get a thorough understanding of how the process works it will make them feel more comfortable with the process Which in turn can alleviate many misunderstand? misunderstandings after retirement Now always encourage Verifying service. It's the next slide site number 32 I think it's important to always encourage employees to do their due diligence when there's missing Service history in their packages allow them the opportunity to find missing documents on their own Maybe you know providing them with the key contacts if needed now if they're not successful, then the agencies certainly step in and Try to find the information through their sources by first contacting, you know the federal records Center or by checking their retirement data viewer or EHR I now if that agencies benefit officers does not have access to it EHR I They can contact their OPM liaison for more information on how to request access now if none of these sources work agencies can always fax the request for a missing service history to our boyars at Fax number seven two four seven nine four six six three three now Remember that that fax number is only to be used by agencies Processing Herman estimates and if employee is requesting information on their own they can always write OPM for that request right directly to our operation retirement operations mailing address, which is in one of our upcoming slides Priority is always going to be given to the agency request because they're processing retirement estimates so, um, the agency will always get the priority for that information now if all else fails OPM will complete the verification at retirement of any missing a service upon receipt of the application and the rest of the records However, this can cause significant delays in the processing of that retirement Again employees should be aware of some of the most common errors in process in retirement so that they can avoid making them and avoid having their package delayed and hopefully assisting the agencies in trying to fill in any of the gaps This information again can be found about 12 – 103 which discusses submitting healthy retirement packages The first one is missing periods of credible civilian and military Services again all periods of credible civilian and military services must be listed on that certify summary of service Also, if a married applicant elects less than the full survivor annuity Remember the spousal consent must be provided and the election On the application must agree with the spousal spousal consent This will require certification by a notary so the notary signature they must match the spouses signature date That's very important the retirement application must not be turned in a More than a year later from the date that the notary signed application.

We actually have Received a lot of those inquiries regarding the different dates After the notary signs that certification and of course a marriage certificate must always be included with those with those elections Now for each period of service not covered by retirement contributions Or FICA only service all pay rates and effective dates must be listed on the application Lastly if an employee is receiving or had previously applied for military retired pay ur benefits From the VA in lieu of military Tire pay make sure to attach copies of the military services service determination if the employees military disability retirement was service-connected & incurred in a combat or caused by an instrumentality of war This information is needed to assure correct credit for that military service. It's applied to to their their benefit Now the main thing to remember about a retirement application is that it must be complete In an original form signed by the applicant in Inc and dated and all questions must be answered in all applicable boxes checked Checked in all areas requiring initials also need to be initial So reminding employees of all these little things and walking them through the process will help avoid a lot of these common errors Now here's the summary of our roles in assisting employees throughout their pre and post retirement journey active federal employees need to know who they can contact for advice and Retirees should also know that correct points of contact after separation For example before they retired, you know, their keep on key contact should be an agency's benefits representative Or their retirement counselor They can also access OPM website for retirement planning resources such as the FEGLI calculator and the bull ballpark estimator During their retirement process employees should keep in contact with their retirement counselors Make sure that all their information is correct.

All the documentation is submitted updated addresses are give if they Need to make any beneficiary changes they should do. So at this point if they need to update their records on a divorce or a death These are some of the you know, the retirement cancer is the key contact there after retirement then Retirees, you know will have OPM a sore point of contact They'll receive their claim number CSA number, which is essentially almost like an employee ID number after OPN receives their application a Password will be emailed to them to their that mailing address on file now.

We encourage all Retirees to read all the OPM mailings Even if it doesn't look like it's a valid or legit OPM correspondence You know OPM's still sense a lot of snail mail. So it's it would be good for them to make sure that they're reading Anything that they receive from us? They can always call or log into returned retirement services. Our retirement services is essentially a port and all-night portal where employees can Essentially have access anywhere anytime They can make all these changes change their withholdings their mailing address that can change along ments Set up checking or savings allotments change their direct deposit information and also view and print their annuity statements or the verification of income, which I know a lot of agencies Receive requests or at least information on where to get those so services online as a key point I didn't mean to skip page 30 or it's like 35 I wanted to go back to it and just remind everybody of our the OPM retirement operations contact Information their main phone number in the email address now local employees and retirees can stop by our retirement information walk-in office located here in our main building if they wish here a 1900 street room 18:23 that's always an option.

Like I said for our local employees and retirees And the business hours for that is 8:00 to 4:00 p.m Eastern Standard Time Monday through Friday or 8:30 to 3 p.m. On Fridays Here is just some additional talking points to have with your employees as they get ready to retire encourage them to keep their families in the loop about a Lot of their retirement benefits how to contact OPM regarding survivor benefits the forms that they will need to be Completed, you know where to find their retirement claim number that CSA number also Provide information to their families about other benefits. They may be eligible for under military Service or Social Security? Provide their families with life insurance payout information their TSP account information also bank account You know bank account Information and and where their benefits are being are currently being paid Also any unpaid compensation that they're eligible for all these key things will help families Sort of Navigate and and you know these these benefits that retirees are eligible eligible for That could assist them in in that process They also need to remember to keep their designations of beneficiary current if they do not remember who they have designated They can always complete new forms to ensure.

The appropriate person is Designated and will receive those benefits upon their death. All the forms can be downloaded online And again, make sure that you know employees are Reminded that upon retirement to read all all of our OPM correspondence We have now reached the end of our webcast as we wait for questions to come in Which may be emailed to benefits at opm.gov and again add? Retirement counseling tips in the subject line. I Want to take this opportunity to mention that we have had some agency to inquire about Corrections needed for the standard form two eight to one that agency certification of insurance due to the retroactive pay adjustment for those retired after that January 6 the answer is no there is not a need to Correct. The standard form 28 24 Mewtwo that retroactive pay adjustment However, the individual retirement record must be accurate and correct must be accurate We also want to announce that we have receiving many many inquiries regarding our upcoming benefits conference Yes There will be a benefit conference coming up pretty soon and information will be forthcoming Through our benefits listserv at this time We can only announce that the location is in Florida and it will be held in a week in August or September And will wait for any questions that may come.

Thank you for attending our webcast All right the the first question I have worked for several agencies as a Military spouse will this slow down the process of receiving my full retirement benefits And also I understand it can take up to 90 days before you receive full benefits. Is this true? I Can relate to that question as a military spouse I also have worked in many agencies The great thing is like I mentioned the first part of the presentation Is so important when we transfer or as a new hire to identify all of the agencies we've worked for So that the agency can collect the information you should be able to see all of your service in your official personnel folder or opf to verify that all your service is there so so there are many employees veteran throughout their federal career that may move and have several agencies that they work for but as Opf should contain all of that service.

So you should be able to obtain review that and make sure that everything is complete fear So I encourage you to do that. I Agree with joy, and also making sure in recognizing if there's any gaps in Service history and how that will change your service computation dates And I believe there is a second part to the question Yes, I understand. They can take up at least 90 days before you receive full retirement benefits. Is this true? Receiving to that period between you know receiving interim pay and the full monthly annuity Yes, it really just depends on an employee's retirees Application package will whether you know, there's any missing information But there's anything that needs that they did that OPM will need to clarify with the agency But yes for the most part we anticipate About 90 day 90 to 120 days for for that full annuity to kick in All right the second question where can an employee find their retirement SCD our agency does not use a retirement summary benefits report like other agencies do That is definitely a part I would I would talk with your retirement counselor about is you're correct You only see that leave SCB in most cases people are aware of that leave SCD Because our length of a service awards it kids using that leave as CDL So what's printed on the standard form 50? Also is showing that leave service competition date and as I mentioned depending on your service whether there was temporary service or you have unpaid military service that Leave a CD and retirement service computation date definitely can differ So I would reach out to they may be coded but each agency works differently So, this is a question for your Human Resources office.

Just That what your retirement service computation date is they have some internal? Systems that sometimes do show that you can see what your retirement service computation data is So you may want to check there as well, but your agency will be the content for that All right next question Can you elaborate more on the interim payment payment? I'm assuming is less than the full the final retirement paycheck. How much less is it? Normally interim pay could be anywhere between 75 to 85 percent of your full Annuity benefit that you would receive once your retirement package is fully adjudicated here at OPM, so if we encourage Retirees to think about that and and and try to work that into their financial planning once they retire If they have other sources got income if they need to tap into their TSP funds just thinking about You know how that that interim pay that, you know, the the the difference between the interim pay in the annuity the full annuity benefit can impact their their finances within that period All right, next question where can an individual go to learn more about military deposits You can find information on OPM gov and we do have some tabs available on for about service there are several options webcast also on our youtube channel that talk specifically about military deposits there the agency it may also have it on their internal website as far as where how do you request your earnings is that's usually The first step is use utilizing your dd-214 Requesting that those earnings from DFAS and once you obtain those earnings you would submit that to your agency to receive a military military Deposit estimate and payment procedures.

So it's kind of two ways. You can't find general information Like I said on our website, we have a webcast specifically for military deposits explaining Everything and also our CSRs and FERS handbook talks about Military service as well. But so it's a combination of those things from from the resources that I mentioned there and I'm still working with your agency on what the Procedural process is for obtaining that military deposit information and making a decision on that Next question how far in advance should a retirement package be submitted to ensure it is completed in time Well If they're referring to in time before the date of retirement I mean normally agencies will Make sure that a retirement package is completed at the time of retirement then it will Be sent to payroll and then submit it to OPM but always work with your retirement counselor as far as a meeting those specific Return or requirements of when they want you to have a complete Retirement package, it may be that you know They want you to start working on it six months prior to your elective date if that's not reasonable then maybe three months out but always work with the retirement counselor on and having those discussions on Submitting your retirement packages in a timely manner before your retirement is official All right next question If this state withholding forms included with the retirement package will OPM apply the requested state withholding upon adjudication So during interim pay as we mentioned the federal taxes will be taken out once the Annuity is finalized that isn't the opportunity to start your state taxes.

You can also do this on services online We just show a slide where students you receive that information Which will be a booklet included to show that your annuity is finalized and what those final details of your retirement Are you may at that time that could be your trigger to remind you that oh I need to get my state taxes started up again and go all right on services online It's a quick and easy way to make those changes to your state taxes once everything is finalized Under the postpone retirement Is there any special requirement to be completed to suspend their fhb and FEGLI option until they apply for their retirement? No, there's no special requirement besides the the main or you know, the main factors of continuing FHP and FEGLI into retirement. Just meeting those those recurring the five-year the you know prior five years of enrollment before retirement So just meeting those essential requirements before postponing or before suspending your benefits And postponing your Retirement or your annuity really so now there are no special requirements besides the the main eligibility factors How far back can you buy back Temporary government work time before like a service I was told that there was talk about extending the original cutoff date to a later date range for A first employee at this time The date remains the same being that the the only deposit service eligible to make a deposit rather that non-deduction service Eligible to make a deposit is the service performed prior to January 1st 1989 Okay If the employee has been under TRICARE and not fhb for their entire federal career are they able to enroll in fhb at retirement Yes, the five year Requirement period can include the time the employee is covered under TRICARE as long as they were covered under an FHP Enrollment at the time of retirement for planning purposes.

The employee may want to consider enrolling in Fvh be planned during the open season. Like I said just prior to their retirement date So it's important to know to understand the difference between being enrolled in FHP at the time of retirement and being eligible to carry FHP into retirement while they may have Met the five year Requirement period with TRICARE they still have to be if they want to Keep or enroll in FHP in to retire as a retiree, then they must have been enrolled in FHP Themselves prior to retirement Okay, when is the next training opportunity We have a few more webcasts scheduled this year on June 25th.

We will have a furka Question and answers webcast we will also have a deferred of postpone retirement and face retirement updates webcast on August 6 of this year We have two scheduled furka classes coming up as well. May 7th and July 9th All right the next question can you repeat the fax number for verifying service to OPM Yes, that fax number is seven two four seven nine four six six three three Next could you explain the postponed retirement again, the difference between deferred and postponed? This is explanation actually on our website on under retirement on opm.gov under retirement, it does show you all of the different retirement types Deferred retirement as we know it you can earn an annuity with only five years of service But you may not yet have the age So you defer your retirement to receive the benefits once you've method the age as well as service you can apply to OPM to receive that retirement why postpone retirements for employees that have at least 10 years of service and they're also Postponing not not receiving that benefit right away maybe they're trying to avoid an early age reduction like the minimum retirement age plus 10 so they may postpone their retirement and and meet the requirements because they've had that five years of Their health insurance and that 10 years where they can postpone pickup that benefit at a later date and also at that time Continue health and life insurances.

So it's a difference and the The lift of service required as well as the eligibility to continue benefits between the deferred versus the postponed and the MRA Plus 10 as well Several retirement options Okay, next question how long does it say does it currently take opium to make decisions on disability retirement cases? Well, you know it's always it's very unique Every every disability retirement package is very unique In that you know medical examiners must determine eligibility for each specific case So at this time now there is no specific timeline Some disability retirement applications get adjudicated a little bit faster than others and it all depends on the unique circumstances of the medical condition and of that specific applicant Okay Mmm is the retirement pay and Social Security supplement payment issued in one check or will separate checks be received The first so if you know the first annuity supplement Will be included in your as part of your a monthly annuity payment there will not be a separate check issued Because it's part of your first annuity compensation benefit essentially after retirement And Just a common here.

We got a few questions about the proposed move to GSA Currently there are no anticipated changes and how retirement services does does business And with that it's 2:30. We will respond to the rest of the questions in the inbox that we did not get to.

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PLAYED I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I
PLAYED IN I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I
PLAYED IN THEIR I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND IN AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND IN AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND IN
MANY AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND IN
MANY CASES AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND IN
MANY CASES I AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND IN
MANY CASES I LITERALLY AND THE ROLES — THE ROLE I
PLAYED IN THEIR LIVES AND IN
MANY CASES I LITERALLY SA4@VE PLAYED IN THEIR LIVES AND IN
MANY CASES I LITERALLY SA4@VE PLAYED IN THEIR LIVES AND IN
MANY CASES I LITERALLY SA4@VE
THEIR PLAYED IN THEIR LIVES AND IN
MANY CASES I LITERALLY SA4@VE
THEIR LIVES.

MANY CASES I LITERALLY SA4@VE
THEIR LIVES. MANY CASES I LITERALLY SA4@VE
THEIR LIVES.
I MANY CASES I LITERALLY SA4@VE
THEIR LIVES.
I DIDN'T MANY CASES I LITERALLY SA4@VE
THEIR LIVES.
I DIDN'T 4@KNOW MANY CASES I LITERALLY SA4@VE
THEIR LIVES.
I DIDN'T 4@KNOW IT. THEIR LIVES.
I DIDN'T 4@KNOW IT. THEIR LIVES.
I DIDN'T 4@KNOW IT.
>> THEIR LIVES.
I DIDN'T 4@KNOW IT.
>> YO4@UR THEIR LIVES.
I DIDN'T 4@KNOW IT.
>> YO4@UR BOOK THEIR LIVES.
I DIDN'T 4@KNOW IT.
>> YO4@UR BOOK IS THEIR LIVES.
I DIDN'T 4@KNOW IT.
>> YO4@UR BOOK IS CALLED THEIR LIVES.
I DIDN'T 4@KNOW IT.
>> YO4@UR BOOK IS CALLED DEAR I DIDN'T 4@KNOW IT.
>> YO4@UR BOOK IS CALLED DEAR I DIDN'T 4@KNOW IT.
>> YO4@UR BOOK IS CALLED DEAR
MISTER I DIDN'T 4@KNOW IT.
>> YO4@UR BOOK IS CALLED DEAR
MISTER WELLS.

>> YO4@UR BOOK IS CALLED DEAR
MISTER WELLS. >> YO4@UR BOOK IS CALLED DEAR
MISTER WELLS.
WHO >> YO4@UR BOOK IS CALLED DEAR
MISTER WELLS.
WHO WAS >> YO4@UR BOOK IS CALLED DEAR
MISTER WELLS.
WHO WAS THIS >> YO4@UR BOOK IS CALLED DEAR
MISTER WELLS.
WHO WAS THIS WRITTEN >> YO4@UR BOOK IS CALLED DEAR
MISTER WELLS.
WHO WAS THIS WRITTEN FOR? MISTER WELLS.
WHO WAS THIS WRITTEN FOR? MISTER WELLS.
WHO WAS THIS WRITTEN FOR?
>> MISTER WELLS.
WHO WAS THIS WRITTEN FOR?
>> THAT'S MISTER WELLS.
WHO WAS THIS WRITTEN FOR?
>> THAT'S AN MISTER WELLS.
WHO WAS THIS WRITTEN FOR?
>> THAT'S AN INTERESTING WHO WAS THIS WRITTEN FOR?
>> THAT'S AN INTERESTING WHO WAS THIS WRITTEN FOR?
>> THAT'S AN INTERESTING
QUESTION.

>> THAT'S AN INTERESTING
QUESTION. >> THAT'S AN INTERESTING
QUESTION.
BEING >> THAT'S AN INTERESTING
QUESTION.
BEING AN >> THAT'S AN INTERESTING
QUESTION.
BEING AN 4@ENGLISH >> THAT'S AN INTERESTING
QUESTION.
BEING AN 4@ENGLISH TEACHER >> THAT'S AN INTERESTING
QUESTION.
BEING AN 4@ENGLISH TEACHER I QUESTION.
BEING AN 4@ENGLISH TEACHER I QUESTION.
BEING AN 4@ENGLISH TEACHER I
ALWAYS QUESTION.
BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL QUESTION.
BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE QUESTION.
BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU QUESTION.
BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU HAVE QUESTION.
BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU HAVE TO BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU HAVE TO BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE. BEING AN 4@ENGLISH TEACHER I
ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE.

4@ ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE. 4@ ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE. 4@
THE ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS THE ALWAYS TELL PEOPLE YOU HAVE TO
CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS THE EFFECT CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS THE EFFECT CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS THE EFFECT
EDUCATORS CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS THE EFFECT
EDUCATORS HAVE CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS THE EFFECT
EDUCATORS HAVE ON CONSIDER YOUR 4@AUDIENCE. 4@
THE TOPIC IS THE EFFECT
EDUCATORS HAVE ON STUDENTS.

THE TOPIC IS THE EFFECT
EDUCATORS HAVE ON STUDENTS. THE TOPIC IS THE EFFECT
EDUCATORS HAVE ON STUDENTS.
THE THE TOPIC IS THE EFFECT
EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, THE TOPIC IS THE EFFECT
EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY
THE EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST POINT EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST POINT IN EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST POINT IN TIME EDUCATORS HAVE ON STUDENTS.
THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST POINT IN TIME IT THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST POINT IN TIME IT THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST POINT IN TIME IT
WASN'T THE 4@AUDIENCE, 4@INTERESTINGLY
THE FIRST POINT IN TIME IT
WASN'T ANYONE. THE FIRST POINT IN TIME IT
WASN'T ANYONE. THE FIRST POINT IN TIME IT
WASN'T ANYONE.
I THE FIRST POINT IN TIME IT
WASN'T ANYONE.
I JUST THE FIRST POINT IN TIME IT
WASN'T ANYONE.
I JUST HAD THE FIRST POINT IN TIME IT
WASN'T ANYONE.
I JUST HAD TO THE FIRST POINT IN TIME IT
WASN'T ANYONE.
I JUST HAD TO WRITE THE FIRST POINT IN TIME IT
WASN'T ANYONE.
I JUST HAD TO WRITE IT.

WASN'T ANYONE.
I JUST HAD TO WRITE IT. WASN'T ANYONE.
I JUST HAD TO WRITE IT.
EVERY WASN'T ANYONE.
I JUST HAD TO WRITE IT.
EVERY TEACHER WASN'T ANYONE.
I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD WASN'T ANYONE.
I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO WASN'T ANYONE.
I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO THIS. I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO THIS. I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO THIS.
MAINLY I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T I JUST HAD TO WRITE IT.
EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI
— EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI
— I EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A EVERY TEACHER SHOULD DO THIS.
MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.

MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST. MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.
I MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.
I LOVE MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.
I LOVE 4@TEACHING MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.
I LOVE 4@TEACHING AND MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.
I LOVE 4@TEACHING AND I MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.
I LOVE 4@TEACHING AND I WOULD MAINLY BECAUSE I 4@DIDN'T REALI
— I WAS HAVING A BLAST.
I LOVE 4@TEACHING AND I WOULD D — I WAS HAVING A BLAST.
I LOVE 4@TEACHING AND I WOULD D — I WAS HAVING A BLAST.
I LOVE 4@TEACHING AND I WOULD D
ANYTHING — I WAS HAVING A BLAST.
I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE.

I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE. I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE.
I I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE.
I DIDN'T I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE.
I DIDN'T 4@REALIZE I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE.
I DIDN'T 4@REALIZE HOW I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE.
I DIDN'T 4@REALIZE HOW I I LOVE 4@TEACHING AND I WOULD D
ANYTHING ELSE.
I DIDN'T 4@REALIZE HOW I IMPACT ANYTHING ELSE.
I DIDN'T 4@REALIZE HOW I IMPACT ANYTHING ELSE.
I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS ANYTHING ELSE.
I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL ANYTHING ELSE.
I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER. I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER. I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER.
SO I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER.
SO I I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER.
SO I REALLY I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER.
SO I REALLY WANTED I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER.
SO I REALLY WANTED TO I DIDN'T 4@REALIZE HOW I IMPACT
STUDENTS UNTIL LATER.
SO I REALLY WANTED TO SHARE STUDENTS UNTIL LATER.
SO I REALLY WANTED TO SHARE STUDENTS UNTIL LATER.
SO I REALLY WANTED TO SHARE
WITH STUDENTS UNTIL LATER.
SO I REALLY WANTED TO SHARE
WITH EDUCATORS STUDENTS UNTIL LATER.
SO I REALLY WANTED TO SHARE
WITH EDUCATORS THAT STUDENTS UNTIL LATER.
SO I REALLY WANTED TO SHARE
WITH EDUCATORS THAT THEY, SO I REALLY WANTED TO SHARE
WITH EDUCATORS THAT THEY, SO I REALLY WANTED TO SHARE
WITH EDUCATORS THAT THEY,
DESPITE SO I REALLY WANTED TO SHARE
WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SO I REALLY WANTED TO SHARE
WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS SO I REALLY WANTED TO SHARE
WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS AND WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS AND WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS AND
DESPITE WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW AND WITH EDUCATORS THAT THEY,
DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW AND ALL DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW AND ALL DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW AND ALL
THE DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS DESPITE SCHOOL SHOOTINGS AND
DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE
RIGHT DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT DESPITE CORONAVIRUS NOW AND ALL
THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF
THEM THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF
THEM AND THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE THE DISTRACTIONS EDUCATORS HAVE
RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE 4@ RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE 4@ RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE 4@
ELSE RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR RIGHT NOW, TO LOOK IN FRONT OF
THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR MAGIC.

THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR MAGIC. THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR MAGIC.
THAT THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR MAGIC.
THAT WAS THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR MAGIC.
THAT WAS MY THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY THEM AND TO NOT LOOK ANYWHERE 4@
ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE.

ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE. ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE.
BUT ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE.
BUT IT ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM ELSE AND WORK YOUR MAGIC.
THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO I THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ THAT WAS MY PRIMARY AUDIENCE.
BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ IT BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ IT BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ IT
AND BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO BUT IT KI4@NDA DRIFTED 4@FROM T
TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO IS TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO IS TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO IS
NAYSAYER TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO IS
NAYSAYER WHEN TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO IS
NAYSAYER WHEN IT TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO IS
NAYSAYER WHEN IT COMES TO I WANT OLD PEOPLE TO READ IT
AND ESPECIALLY ANYONE 4@WHO IS
NAYSAYER WHEN IT COMES 4@TO AND ESPECIALLY ANYONE 4@WHO IS
NAYSAYER WHEN IT COMES 4@TO AND ESPECIALLY ANYONE 4@WHO IS
NAYSAYER WHEN IT COMES 4@TO
TEACHERS.4@ NAYSAYER WHEN IT COMES 4@TO
TEACHERS.4@ NAYSAYER WHEN IT COMES 4@TO
TEACHERS.4@
BECAUSE NAYSAYER WHEN IT COMES 4@TO
TEACHERS.4@
BECAUSE THE NAYSAYER WHEN IT COMES 4@TO
TEACHERS.4@
BECAUSE THE PUBLIC NAYSAYER WHEN IT COMES 4@TO
TEACHERS.4@
BECAUSE THE PUBLIC DOES NAYSAYER WHEN IT COMES 4@TO
TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW — TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW — I TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I WAS TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I WAS IN TEACHERS.4@
BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I WAS IN 4@THE BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I WAS IN 4@THE BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 BECAUSE THE PUBLIC DOES NOT
KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 YEARS.

KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 YEARS. KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 YEARS.
THEY KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 YEARS.
THEY DON'T KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 YEARS.
THEY DON'T KNOW KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 YEARS.
THEY DON'T KNOW THE KNOW — I DUNNO, I WAS IN 4@THE
CLASSROOM 41 YEARS.
THEY DON'T KNOW THE MAGIC CLASSROOM 41 YEARS.
THEY DON'T KNOW THE MAGIC CLASSROOM 41 YEARS.
THEY DON'T KNOW THE MAGIC
TEACHERS CLASSROOM 41 YEARS.
THEY DON'T KNOW THE MAGIC
TEACHERS ARE CLASSROOM 41 YEARS.
THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING CLASSROOM 41 YEARS.
THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH CLASSROOM 41 YEARS.
THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS AND THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS AND IT THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES WELL THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES WELL BE THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES WELL BE ON THEY DON'T KNOW THE MAGIC
TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES WELL BE ON THE TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES WELL BE ON THE TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES WELL BE ON THE
SUBJECT TEACHERS ARE WORKING WITH THEIR
KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER.

KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER. KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER.
>> KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER.
>> THAT KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER.
>> THAT SAID, KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER.
>> THAT SAID, YOU KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER.
>> THAT SAID, YOU TALK KIDS AND IT GOES WELL BE ON THE
SUBJECT MATTER.
>> THAT SAID, YOU TALK 4@4@ABOU SUBJECT MATTER.
>> THAT SAID, YOU TALK 4@4@ABOU SUBJECT MATTER.
>> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS SUBJECT MATTER.
>> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND SUBJECT MATTER.
>> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND WHAT SUBJECT MATTER.
>> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND WHAT TEACHERS >> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND WHAT TEACHERS >> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND WHAT TEACHERS
ARE >> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND WHAT TEACHERS
ARE FACING >> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT >> THAT SAID, YOU TALK 4@4@ABOU
CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT NOW.4@ CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT NOW.4@ CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT NOW.4@
THERE CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT NOW.4@
THERE SO CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT NOW.4@
THERE SO MUCH CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE CORONAVIRUS AND WHAT TEACHERS
ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE LEARNING.

ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE LEARNING. ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE LEARNING.
IT'S ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE LEARNING.
IT'S A ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE LEARNING.
IT'S A 4@BRAND-NEW ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE LEARNING.
IT'S A 4@BRAND-NEW WORLD ARE FACING RIGHT NOW.4@
THERE SO MUCH ONLINE LEARNING.
IT'S A 4@BRAND-NEW WORLD FOR THERE SO MUCH ONLINE LEARNING.
IT'S A 4@BRAND-NEW WORLD FOR THERE SO MUCH ONLINE LEARNING.
IT'S A 4@BRAND-NEW WORLD FOR
THEM. IT'S A 4@BRAND-NEW WORLD FOR
THEM. IT'S A 4@BRAND-NEW WORLD FOR
THEM.
YOUR IT'S A 4@BRAND-NEW WORLD FOR
THEM.
YOUR REACTION IT'S A 4@BRAND-NEW WORLD FOR
THEM.
YOUR REACTION TO IT'S A 4@BRAND-NEW WORLD FOR
THEM.
YOUR REACTION TO THAT? THEM.
YOUR REACTION TO THAT? THEM.
YOUR REACTION TO THAT?
>> THEM.
YOUR REACTION TO THAT?
>> I THEM.
YOUR REACTION TO THAT?
>> I DON'T THEM.
YOUR REACTION TO THAT?
>> I DON'T KNOW THEM.
YOUR REACTION TO THAT?
>> I DON'T KNOW — THEM.
YOUR REACTION TO THAT?
>> I DON'T KNOW — I THEM.
YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD THEM.
YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE
GOD YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE
GOD TO YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE
GOD TO EACH YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY YOUR REACTION TO THAT?
>> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS >> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS >> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS
CLASSES >> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING >> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A >> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A MASK >> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A MASK AND >> I DON'T KNOW — I WOULD HAVE
GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A MASK AND 4@GI GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A MASK AND 4@GI GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A MASK AND 4@GI
THEM GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A MASK AND 4@GI
THEM A GOD TO EACH 4@OF MY STUDENTS
CLASSES WEARING A MASK AND 4@GI
THEM A LESSON.

CLASSES WEARING A MASK AND 4@GI
THEM A LESSON. CLASSES WEARING A MASK AND 4@GI
THEM A LESSON.
THAT CLASSES WEARING A MASK AND 4@GI
THEM A LESSON.
THAT INTIMACY CLASSES WEARING A MASK AND 4@GI
THEM A LESSON.
THAT INTIMACY THAT CLASSES WEARING A MASK AND 4@GI
THEM A LESSON.
THAT INTIMACY THAT CREATES CLASSES WEARING A MASK AND 4@GI
THEM A LESSON.
THAT INTIMACY THAT CREATES THE THEM A LESSON.
THAT INTIMACY THAT CREATES THE THEM A LESSON.
THAT INTIMACY THAT CREATES THE
BOND THEM A LESSON.
THAT INTIMACY THAT CREATES THE
BOND FROM THEM A LESSON.
THAT INTIMACY THAT CREATES THE
BOND FROM WHICH THEM A LESSON.
THAT INTIMACY THAT CREATES THE
BOND FROM WHICH KIDS THEM A LESSON.
THAT INTIMACY THAT CREATES THE
BOND FROM WHICH KIDS 4@GROW THAT INTIMACY THAT CREATES THE
BOND FROM WHICH KIDS 4@GROW THAT INTIMACY THAT CREATES THE
BOND FROM WHICH KIDS 4@GROW
RHYTHMICALLY THAT INTIMACY THAT CREATES THE
BOND FROM WHICH KIDS 4@GROW
RHYTHMICALLY IS THAT INTIMACY THAT CREATES THE
BOND FROM WHICH KIDS 4@GROW
RHYTHMICALLY IS NOT THAT INTIMACY THAT CREATES THE
BOND FROM WHICH KIDS 4@GROW
RHYTHMICALLY IS NOT REALLY BOND FROM WHICH KIDS 4@GROW
RHYTHMICALLY IS NOT REALLY BOND FROM WHICH KIDS 4@GROW
RHYTHMICALLY IS NOT REALLY
THERE.

RHYTHMICALLY IS NOT REALLY
THERE. RHYTHMICALLY IS NOT REALLY
THERE.
>> RHYTHMICALLY IS NOT REALLY
THERE.
>> YOU RHYTHMICALLY IS NOT REALLY
THERE.
>> YOU ACTUALLY RHYTHMICALLY IS NOT REALLY
THERE.
>> YOU ACTUALLY WRITE RHYTHMICALLY IS NOT REALLY
THERE.
>> YOU ACTUALLY WRITE ABOUT THERE.
>> YOU ACTUALLY WRITE ABOUT THERE.
>> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY. >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY. >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY.
I >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY.
I JUST >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY.
I JUST WANT >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY.
I JUST WANT TO >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY.
I JUST WANT TO READ >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY.
I JUST WANT TO READ THIS >> YOU ACTUALLY WRITE ABOUT
TECHNOLOGY.
I JUST WANT TO READ THIS BACK TECHNOLOGY.
I JUST WANT TO READ THIS BACK TECHNOLOGY.
I JUST WANT TO READ THIS BACK
TO.

TECHNOLOGY.
I JUST WANT TO READ THIS BACK
TO. 4@ I JUST WANT TO READ THIS BACK
TO. 4@ I JUST WANT TO READ THIS BACK
TO. 4@
YOU I JUST WANT TO READ THIS BACK
TO. 4@
YOU SAY, I JUST WANT TO READ THIS BACK
TO. 4@
YOU SAY, I I JUST WANT TO READ THIS BACK
TO. 4@
YOU SAY, I CANNOT I JUST WANT TO READ THIS BACK
TO. 4@
YOU SAY, I CANNOT IMAGINE TO. 4@
YOU SAY, I CANNOT IMAGINE TO. 4@
YOU SAY, I CANNOT IMAGINE
GROWING TO. 4@
YOU SAY, I CANNOT IMAGINE
GROWING UP TO. 4@
YOU SAY, I CANNOT IMAGINE
GROWING UP IN TO. 4@
YOU SAY, I CANNOT IMAGINE
GROWING UP IN TODAY'S TO. 4@
YOU SAY, I CANNOT IMAGINE
GROWING UP IN TODAY'S WORLD. YOU SAY, I CANNOT IMAGINE
GROWING UP IN TODAY'S WORLD. YOU SAY, I CANNOT IMAGINE
GROWING UP IN TODAY'S WORLD.
TECHNOLOGY YOU SAY, I CANNOT IMAGINE
GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS YOU SAY, I CANNOT IMAGINE
GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS PROVIDED GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS PROVIDED GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS PROVIDED
WONDERFUL GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP GROWING UP IN TODAY'S WORLD.
TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@ TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@ TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@
KIDS TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE FLIPSIDE TECHNOLOGY HAS PROVIDED
WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE FLIPSIDE OF WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE FLIPSIDE OF WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE FLIPSIDE OF
THIS WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE FLIPSIDE OF
THIS IS WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE FLIPSIDE OF
THIS IS ACCESS WONDERFUL INNO4@VATIONS TO HELP@
KIDS LEARN AT THE FLIPSIDE OF
THIS IS ACCESS TO KIDS LEARN AT THE FLIPSIDE OF
THIS IS ACCESS TO KIDS LEARN AT THE FLIPSIDE OF
THIS IS ACCESS TO
MISINFORMATION, KIDS LEARN AT THE FLIPSIDE OF
THIS IS ACCESS TO
MISINFORMATION, INSTANT THIS IS ACCESS TO
MISINFORMATION, INSTANT THIS IS ACCESS TO
MISINFORMATION, INSTANT
GRATIFICATION THIS IS ACCESS TO
MISINFORMATION, INSTANT
GRATIFICATION SYNDROME THIS IS ACCESS TO
MISINFORMATION, INSTANT
GRATIFICATION SYNDROME AND MISINFORMATION, INSTANT
GRATIFICATION SYNDROME AND MISINFORMATION, INSTANT
GRATIFICATION SYNDROME AND
DISTRACTIONS MISINFORMATION, INSTANT
GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.

GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE. GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.
>> GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.
>> FIRST GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.
>> FIRST DAY GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.
>> FIRST DAY OF GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GRATIFICATION SYNDROME AND
DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE
TO DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE
TO ONE DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE
TO ONE OF DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I DISTRACTIONS GALORE.
>> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE
THEM >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP CELL >> FIRST DAY OF SCHOOL I GAVE
TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP CELL PHONE TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP CELL PHONE TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP CELL PHONE
AND TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP CELL PHONE
AND GIVE TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP CELL PHONE
AND GIVE THEM TO ONE OF MY STUDENTS, I 4@GIVE
THEM AN OLD BEAT UP CELL PHONE
AND GIVE THEM SOME THEM AN OLD BEAT UP CELL PHONE
AND GIVE THEM SOME THEM AN OLD BEAT UP CELL PHONE
AND GIVE THEM SOME
INSTRUCTIONS.

AND GIVE THEM SOME
INSTRUCTIONS. AND GIVE THEM SOME
INSTRUCTIONS.
AND AND GIVE THEM SOME
INSTRUCTIONS.
AND HE AND GIVE THEM SOME
INSTRUCTIONS.
AND HE CAME AND GIVE THEM SOME
INSTRUCTIONS.
AND HE CAME INTO AND GIVE THEM SOME
INSTRUCTIONS.
AND HE CAME INTO THE AND GIVE THEM SOME
INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM
AND INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM
AND I INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM
AND I WAS INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM
AND I WAS START INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING INSTRUCTIONS.
AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH
THE AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH
THE KIDS AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH
THE KIDS AND AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH
THE KIDS AND TAKE AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH
THE KIDS AND TAKE THE AND HE CAME INTO THE CLASSROOM
AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL
PHONE AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL
PHONE AT AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL
PHONE AT OUT AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL
PHONE AT OUT AND AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM AND I WAS START TALKING WITH
THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO
PUT THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO
PUT IT THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE THE KIDS AND TAKE THE CELL
PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL
THEY PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND PHONE AT OUT AND ASKED THEM TO
PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY
WOULD PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY
WOULD TAKE PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND PUT IT AWAY AND 4@BE RESPECTFUL
THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I
WOULD THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I
WOULD GET THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT THEY WERE PUT AWAY AND THEY
WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@ WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@ WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@
ONE WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@
ONE POINT WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@
ONE POINT IN WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@
ONE POINT IN TIME WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@
ONE POINT IN TIME 4@WHICH WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@
ONE POINT IN TIME 4@WHICH WAS WOULD TAKE THAT PUT AWAY AND I
WOULD GET REALLY ANGRY AND AT 4@
ONE POINT IN TIME 4@WHICH WAS O WOULD GET REALLY ANGRY AND AT 4@
ONE POINT IN TIME 4@WHICH WAS O WOULD GET REALLY ANGRY AND AT 4@
ONE POINT IN TIME 4@WHICH WAS O
ACT.

ONE POINT IN TIME 4@WHICH WAS O
ACT. ONE POINT IN TIME 4@WHICH WAS O
ACT.
I ONE POINT IN TIME 4@WHICH WAS O
ACT.
I WENT ONE POINT IN TIME 4@WHICH WAS O
ACT.
I WENT OVER ONE POINT IN TIME 4@WHICH WAS O
ACT.
I WENT OVER TO ONE POINT IN TIME 4@WHICH WAS O
ACT.
I WENT OVER TO THEM ONE POINT IN TIME 4@WHICH WAS O
ACT.
I WENT OVER TO THEM AND ONE POINT IN TIME 4@WHICH WAS O
ACT.
I WENT OVER TO THEM AND RIPPED ACT.
I WENT OVER TO THEM AND RIPPED ACT.
I WENT OVER TO THEM AND RIPPED
IT ACT.
I WENT OVER TO THEM AND RIPPED
IT OUT ACT.
I WENT OVER TO THEM AND RIPPED
IT OUT OF ACT.
I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE ACT.
I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS.

I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS. I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS.
SPRINT I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS.
SPRINT TO I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS.
SPRINT TO THE I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND I WENT OVER TO THEM AND RIPPED
IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN
IT IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN
IT UP IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN
IT UP AND IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT IT OUT OF THERE HEADS.
SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT OUT.

SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT OUT. SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT OUT.
AND SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT OUT.
AND I'VE SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT OUT.
AND I'VE NEVER SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD SPRINT TO THE WINDOW AND OPEN
IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD PROBLEMS IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD PROBLEMS IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD PROBLEMS
WITH4@ IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER IT UP AND THROW 4@IT OUT.
AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT
BUT AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT IS AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT IS NOT AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT IS NOT IN AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT IS NOT IN ANY AND I'VE NEVER HAD PROBLEMS
WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT IS NOT IN ANY TEACHER WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT IS NOT IN ANY TEACHER WITH4@ CELL PHONES 4@AFTER THAT
BUT THAT IS NOT IN ANY TEACHER
MANUAL.

BUT THAT IS NOT IN ANY TEACHER
MANUAL. BUT THAT IS NOT IN ANY TEACHER
MANUAL.
>> BUT THAT IS NOT IN ANY TEACHER
MANUAL.
>> THAT'S BUT THAT IS NOT IN ANY TEACHER
MANUAL.
>> THAT'S A BUT THAT IS NOT IN ANY TEACHER
MANUAL.
>> THAT'S A GREAT BUT THAT IS NOT IN ANY TEACHER
MANUAL.
>> THAT'S A GREAT 4@IDEA, BUT THAT IS NOT IN ANY TEACHER
MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG BUT THAT IS NOT IN ANY TEACHER
MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@ MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@ MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY MANUAL.
>> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A >> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A >> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A
HUGE >> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE >> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN >> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE >> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM >> THAT'S A GREAT 4@IDEA, THOUG@
TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT
RIGHT TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN TECHNOLOGY OF THE C DOES PLAY A
HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN EVEN HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN EVEN HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN EVEN
BIGGER HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE OUTSIDE HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE OUTSIDE OF HUGE ROLE IN THE CLASSROOM BUT
RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE OUTSIDE OF THE RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE OUTSIDE OF THE RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE OUTSIDE OF THE
CLASSROOM RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR RIGHT NOW IT'S PLAYING AN EVEN
BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.

BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS. BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.
YOU BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.
YOU GIVE BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.
YOU GIVE SO BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN BIGGER ROLE OUTSIDE OF THE
CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS
BOOK CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS CLASSROOM FOR TEACHERS.
YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A
TOTALLY YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A
TOTALLY NEW YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU GIVE SO MUCH ADVICE IN THIS
BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU
HAVE BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU
HAVE 4@ANY BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU
HAVE 4@ANY ADVICE BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU
HAVE 4@ANY ADVICE FOR BOOK AND I KNOW THIS IS A
TOTALLY NEW WORLD, BUT DO YOU
HAVE 4@ANY ADVICE FOR TEACHERS TOTALLY NEW WORLD, BUT DO YOU
HAVE 4@ANY ADVICE FOR TEACHERS TOTALLY NEW WORLD, BUT DO YOU
HAVE 4@ANY ADVICE FOR TEACHERS
RIGHT TOTALLY NEW WORLD, BUT DO YOU
HAVE 4@ANY ADVICE FOR TEACHERS
RIGHT NOW? HAVE 4@ANY ADVICE FOR TEACHERS
RIGHT NOW? HAVE 4@ANY ADVICE FOR TEACHERS
RIGHT NOW?
>> HAVE 4@ANY ADVICE FOR TEACHERS
RIGHT NOW?
>> BREATHING HAVE 4@ANY ADVICE FOR TEACHERS
RIGHT NOW?
>> BREATHING DEEP4@LY.

RIGHT NOW?
>> BREATHING DEEP4@LY. RIGHT NOW?
>> BREATHING DEEP4@LY.
CLOSE RIGHT NOW?
>> BREATHING DEEP4@LY.
CLOSE THEIR RIGHT NOW?
>> BREATHING DEEP4@LY.
CLOSE THEIR EYES RIGHT NOW?
>> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND RIGHT NOW?
>> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS RIGHT NOW?
>> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON >> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON >> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON
SOME >> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON
SOME OF >> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON
SOME OF THE >> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY >> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL >> BREATHING DEEP4@LY.
CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF
THAT CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF
THAT DID CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN THE CLOSE THEIR EYES AND FOCUS ON
SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN THE 4@ SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN THE 4@ SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN THE 4@
CLASSROOM SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN THE 4@
CLASSROOM AND SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND SOME OF THE REALLY COOL STUFF
THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES
THAT, THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES
THAT, THAT THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO THAT DID HAPPEN IN THE 4@
CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.

CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY. CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.
THAT CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.
THAT IT CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.
THAT IT WILL CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND CLASSROOM AND REMIND THEMSELVES
THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN THAT, THAT WILL NOT GO AWAY.
THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN 4@KIDS THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN 4@KIDS THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN 4@KIDS
LIVES THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN 4@KIDS
LIVES 4@IS THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN 4@KIDS
LIVES 4@IS HAPPENING THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN 4@KIDS
LIVES 4@IS HAPPENING NOW THAT IT WILL BE 4@BACK AND 4@IT
IMPORTANT ONE ON ONE IN 4@KIDS
LIVES 4@IS HAPPENING NOW WITHOU IMPORTANT ONE ON ONE IN 4@KIDS
LIVES 4@IS HAPPENING NOW WITHOU IMPORTANT ONE ON ONE IN 4@KIDS
LIVES 4@IS HAPPENING NOW WITHOU
A IMPORTANT ONE ON ONE IN 4@KIDS
LIVES 4@IS HAPPENING NOW WITHOU
A DOUBT.

LIVES 4@IS HAPPENING NOW WITHOU
A DOUBT. LIVES 4@IS HAPPENING NOW WITHOU
A DOUBT.
I LIVES 4@IS HAPPENING NOW WITHOU
A DOUBT.
I SEE LIVES 4@IS HAPPENING NOW WITHOU
A DOUBT.
I SEE SOME LIVES 4@IS HAPPENING NOW WITHOU
A DOUBT.
I SEE SOME ABSOLUTELY LIVES 4@IS HAPPENING NOW WITHOU
A DOUBT.
I SEE SOME ABSOLUTELY WONDERFUL A DOUBT.
I SEE SOME ABSOLUTELY WONDERFUL A DOUBT.
I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES A DOUBT.
I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND A DOUBT.
I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS A DOUBT.
I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS
ARE I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS
ARE DOING I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS
ARE DOING ONLINE I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS
ARE DOING ONLINE TO I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS
ARE DOING ONLINE TO MAKE I SEE SOME ABSOLUTELY WONDERFUL
TECHNIQUES AND THINGS TEACHERS
ARE DOING ONLINE TO MAKE THAT TECHNIQUES AND THINGS TEACHERS
ARE DOING ONLINE TO MAKE THAT TECHNIQUES AND THINGS TEACHERS
ARE DOING ONLINE TO MAKE THAT
CONNECTION.

ARE DOING ONLINE TO MAKE THAT
CONNECTION. ARE DOING ONLINE TO MAKE THAT
CONNECTION.
BUT ARE DOING ONLINE TO MAKE THAT
CONNECTION.
BUT WITH ARE DOING ONLINE TO MAKE THAT
CONNECTION.
BUT WITH THAT ARE DOING ONLINE TO MAKE THAT
CONNECTION.
BUT WITH THAT SAID, ARE DOING ONLINE TO MAKE THAT
CONNECTION.
BUT WITH THAT SAID, I ARE DOING ONLINE TO MAKE THAT
CONNECTION.
BUT WITH THAT SAID, I KNOW ARE DOING ONLINE TO MAKE THAT
CONNECTION.
BUT WITH THAT SAID, I KNOW EACH CONNECTION.
BUT WITH THAT SAID, I KNOW EACH CONNECTION.
BUT WITH THAT SAID, I KNOW EACH
AND CONNECTION.
BUT WITH THAT SAID, I KNOW EACH
AND EVERY CONNECTION.
BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER CONNECTION.
BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES CONNECTION.
BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR
STUDENTS BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL BUT WITH THAT SAID, I KNOW EACH
AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@ AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@ AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@
BE AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@
BE BACK AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT AND EVERY TEACHER MISSES THEIR
STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU
HOPE STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS TAKE STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS TAKE AWAY STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS TAKE AWAY FROM STUDENTS TERRIBLY AND THEY WILL@
BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS TAKE AWAY FROM 4@ BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS TAKE AWAY FROM 4@ BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BE BACK YOU TALK ABOUT WHAT YOU
HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BOOK.

HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BOOK. HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BOOK.
WHAT HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BOOK.
WHAT YOU HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BOOK.
WHAT YOU HOPE HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BOOK.
WHAT YOU HOPE YOUR HOPE TEACHERS TAKE AWAY FROM 4@
YOUR BOOK.
WHAT YOU HOPE YOUR FORMER YOUR BOOK.
WHAT YOU HOPE YOUR FORMER YOUR BOOK.
WHAT YOU HOPE YOUR FORMER
STUDENTS YOUR BOOK.
WHAT YOU HOPE YOUR FORMER
STUDENTS TAKE YOUR BOOK.
WHAT YOU HOPE YOUR FORMER
STUDENTS TAKE AWAY YOUR BOOK.
WHAT YOU HOPE YOUR FORMER
STUDENTS TAKE AWAY FROM YOUR BOOK.
WHAT YOU HOPE YOUR FORMER
STUDENTS TAKE AWAY FROM READING WHAT YOU HOPE YOUR FORMER
STUDENTS TAKE AWAY FROM READING WHAT YOU HOPE YOUR FORMER
STUDENTS TAKE AWAY FROM READING
THIS.

STUDENTS TAKE AWAY FROM READING
THIS. STUDENTS TAKE AWAY FROM READING
THIS.
>> STUDENTS TAKE AWAY FROM READING
THIS.
>> TO STUDENTS TAKE AWAY FROM READING
THIS.
>> TO BE STUDENTS TAKE AWAY FROM READING
THIS.
>> TO BE HONEST STUDENTS TAKE AWAY FROM READING
THIS.
>> TO BE HONEST WITH STUDENTS TAKE AWAY FROM READING
THIS.
>> TO BE HONEST WITH YOU, STUDENTS TAKE AWAY FROM READING
THIS.
>> TO BE HONEST WITH YOU, I STUDENTS TAKE AWAY FROM READING
THIS.
>> TO BE HONEST WITH YOU, I GET THIS.
>> TO BE HONEST WITH YOU, I GET THIS.
>> TO BE HONEST WITH YOU, I GET
CONTACTED THIS.
>> TO BE HONEST WITH YOU, I GET
CONTACTED FROM THIS.
>> TO BE HONEST WITH YOU, I GET
CONTACTED FROM KIDS THIS.
>> TO BE HONEST WITH YOU, I GET
CONTACTED FROM KIDS ALL THIS.
>> TO BE HONEST WITH YOU, I GET
CONTACTED FROM KIDS ALL THE >> TO BE HONEST WITH YOU, I GET
CONTACTED FROM KIDS ALL THE >> TO BE HONEST WITH YOU, I GET
CONTACTED FROM KIDS ALL THE
TIME.

CONTACTED FROM KIDS ALL THE
TIME. CONTACTED FROM KIDS ALL THE
TIME.
I CONTACTED FROM KIDS ALL THE
TIME.
I NEVER, CONTACTED FROM KIDS ALL THE
TIME.
I NEVER, EVER CONTACTED FROM KIDS ALL THE
TIME.
I NEVER, EVER WALKED CONTACTED FROM KIDS ALL THE
TIME.
I NEVER, EVER WALKED INTO CONTACTED FROM KIDS ALL THE
TIME.
I NEVER, EVER WALKED INTO A TIME.
I NEVER, EVER WALKED INTO A TIME.
I NEVER, EVER WALKED INTO A
BAR, TIME.
I NEVER, EVER WALKED INTO A
BAR, SAW TIME.
I NEVER, EVER WALKED INTO A
BAR, SAW A TIME.
I NEVER, EVER WALKED INTO A
BAR, SAW A STUDENT TIME.
I NEVER, EVER WALKED INTO A
BAR, SAW A STUDENT AND TIME.
I NEVER, EVER WALKED INTO A
BAR, SAW A STUDENT AND TAKEN TIME.
I NEVER, EVER WALKED INTO A
BAR, SAW A STUDENT AND TAKEN MY I NEVER, EVER WALKED INTO A
BAR, SAW A STUDENT AND TAKEN MY I NEVER, EVER WALKED INTO A
BAR, SAW A STUDENT AND TAKEN MY
WALLET I NEVER, EVER WALKED INTO A
BAR, SAW A STUDENT AND TAKEN MY
WALLET OUT.4@ BAR, SAW A STUDENT AND TAKEN MY
WALLET OUT.4@ BAR, SAW A STUDENT AND TAKEN MY
WALLET OUT.4@
THEY BAR, SAW A STUDENT AND TAKEN MY
WALLET OUT.4@
THEY ALWAYS BAR, SAW A STUDENT AND TAKEN MY
WALLET OUT.4@
THEY ALWAYS SAY, BAR, SAW A STUDENT AND TAKEN MY
WALLET OUT.4@
THEY ALWAYS SAY, MISTER BAR, SAW A STUDENT AND TAKEN MY
WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS, WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS, WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS,
HOW WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS,
HOW ARE WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING AND WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING AND COME WALLET OUT.4@
THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING AND COME 4@HE THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING AND COME 4@HE THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING AND COME 4@HE
AND THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING AND COME 4@HE
AND LET'S THEY ALWAYS SAY, MISTER WELLS,
HOW ARE YOU DOING AND COME 4@HE
AND LET'S TALK.

HOW ARE YOU DOING AND COME 4@HE
AND LET'S TALK. HOW ARE YOU DOING AND COME 4@HE
AND LET'S TALK.
YOU HOW ARE YOU DOING AND COME 4@HE
AND LET'S TALK.
YOU CAN'T HOW ARE YOU DOING AND COME 4@HE
AND LET'S TALK.
YOU CAN'T SHUT HOW ARE YOU DOING AND COME 4@HE
AND LET'S TALK.
YOU CAN'T SHUT THEM HOW ARE YOU DOING AND COME 4@HE
AND LET'S TALK.
YOU CAN'T SHUT THEM UP. AND LET'S TALK.
YOU CAN'T SHUT THEM UP. AND LET'S TALK.
YOU CAN'T SHUT THEM UP.
IT'S AND LET'S TALK.
YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL. YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL. YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL.
SO YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL.
SO ENERGIZING YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL.
SO ENERGIZING AND YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL.
SO ENERGIZING AND I YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL.
SO ENERGIZING AND I AM YOU CAN'T SHUT THEM UP.
IT'S WONDERFUL.
SO ENERGIZING AND I AM SO IT'S WONDERFUL.
SO ENERGIZING AND I AM SO IT'S WONDERFUL.
SO ENERGIZING AND I AM SO
BLESSED IT'S WONDERFUL.
SO ENERGIZING AND I AM SO
BLESSED TO IT'S WONDERFUL.
SO ENERGIZING AND I AM SO
BLESSED TO HAVE IT'S WONDERFUL.
SO ENERGIZING AND I AM SO
BLESSED TO HAVE FALLEN IT'S WONDERFUL.
SO ENERGIZING AND I AM SO
BLESSED TO HAVE FALLEN INTO IT'S WONDERFUL.
SO ENERGIZING AND I AM SO
BLESSED TO HAVE FALLEN INTO THE SO ENERGIZING AND I AM SO
BLESSED TO HAVE FALLEN INTO THE SO ENERGIZING AND I AM SO
BLESSED TO HAVE FALLEN INTO THE
FIELD SO ENERGIZING AND I AM SO
BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF SO ENERGIZING AND I AM SO
BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.

BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION. BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.
>>> BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.
>>> AGAIN, BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.
>>> AGAIN, THE BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF THE BLESSED TO HAVE FALLEN INTO THE
FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF THE BOOK FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF THE BOOK FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF THE BOOK
IS, FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF THE BOOK
IS, DEAR FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER FIELD 4@OF EDUCATION.
>>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER WELLS.

>>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER WELLS. >>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER WELLS.
YOU >>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER WELLS.
YOU CAN >>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER WELLS.
YOU CAN FIND >>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER WELLS.
YOU CAN FIND MORE >>> AGAIN, THE NAME OF THE BOOK
IS, DEAR MISTER WELLS.
YOU CAN FIND MORE INFORMATION IS, DEAR MISTER WELLS.
YOU CAN FIND MORE INFORMATION IS, DEAR MISTER WELLS.
YOU CAN FIND MORE INFORMATION
ABOUT IS, DEAR MISTER WELLS.
YOU CAN FIND MORE INFORMATION
ABOUT THAT.

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Retired at 38: 5 strong reasons to retire as soon as you can (Retirement Planning)

so early retirement has actually improved our 
health so much that I actually think we'll be   avoiding higher health care costs down the line 
that may actually lead into our retirement funds   and then early retirement has also allowed us 
to achieve a state of intuitive living which   has been absolutely awesome financially the 
conventional wisdom is that early retirement   could potentially be disastrous but frankly 
I think so far two years into retirement that   our early retirement has been great for us 
financially these plus two or three more are   just some of the very strong reasons why I would 
Advocate that anyone considering retirement should   do so as early as possible let me explain why 
down below hey I'm Jean and for the past two   years I've been retired in Bali Indonesia 
with my husband today I wanted to discuss   about all these reasons why I think retiring 
as early as you can is a brilliant idea [Music]   so Health basically don't wait till it's too late 
I think that when most people think about health   and retirement planning they just kind of hope 
and assume that they will be in good health when   they enter retirement and then that they pray it 
remains status quo until the end but I guess most   of us pre-retirement might be involved in jobs 
that might be high stress with long hours at   the desk and then naturally Fitness just isn't 
what ideally it should be so all my life I've   been struggling with skin rashes and allergies and 
these issues tend to pop up every time my immunity   gets low because I'm stressed I'm tired I'm taxed 
but truly in the two years since we have been   retired the manifestation of all these problems 
have just gone down so much in retirement mode   I'm happily keeping very fit doing all the things 
that I know of like surfing walking the dog with   the hubby eating better overall probably further 
down the line maybe I might be avoiding higher   healthcare costs having this health is actually 
so much wealth it allows you to live life to the   fullest because frankly all the stuff that you 
want to do in your enjoyment of Life probably   involves a lot of Health you want to travel 
you want to scale that mountain at Sunrise to   see that incredible view you need your help even 
just to enjoy good food if you like us you like   to eat you need your health I mean I know so many 
people who have dietary restrictions because of   high cholesterol or diabetes improving health is 
actually one of the biggest and strongest reasons   why you should retire early so the second big 
reason for wanting to retire ASAP is actually   intuitive living basically intuitive living is 
really connecting with yourself and listening to   your garden stings and your feelings as to stuff 
like eating and rest and meditation relationships   even your spending habits perhaps I don't know 
how it is for you guys but I was generally living   my life governed by a lot of shirts right I 
mean I should be at the office by 9am so that   I won't piss off the bosses I should stay in 
the office stay late and postpone my workout   postpone dinner so I can meet the deadline set by 
my clients I should carry branded Handbags and of   course I should be a corporate lawyer I mean why 
would I want to be anything else right finally   in retirement we are free from the demands of the 
pursuit of money to listen to ourselves to truly   tune in and understand what is the optimum cause 
in life you can chart you really want to wake up   every day without an alarm clock naturally because 
you've had enough sleep you want to eat only   enough and not too much I mean you want to make 
better choices food wise intuitive exercise you   know you're doing what really only appeals to you 
maybe you don't like sweating in the afternoons   so then you know get a gym membership or play 
indoor record Sports whatever works for you I   only wish that more people have the opportunity 
to experience living life this way intuitively   away from the entanglements and distractions 
from regular running the hands the real life   the third reason why you might want to retire 
as soon as possibly is just that the earlier   you retire the more time you gain in life I 
mean if you think about it most of us live   life as though we are invincible as if life 
itself will never run out and therefore we do   things like squander our time or sell it away too 
cheaply in exchange for material things we each   only have so long to live right and the money you 
make in your lifetime you can't bring that with   you when you go home so well might as well you'll 
be the one to spend it when you can right Society   feeds us like so many different narratives 
about success and what it should look like   but actually I think success is really not 
about the achievements per se but it's just   really a Feeling and I like to think that at 
the end of our Lives when we're there in our   last dying moments what we'll be thinking 
about probably wouldn't be like stuff like   oh I closed that three billion dollar deal I 
think it would more be along the lines of like   I had good friends and I loved my family I had 
a good life you know I ate good food I laughed   Lots I took care of my kids and my dog stuff like 
that so don't squander the time that we each have   maybe you have personal goals that you really 
want to achieve stuff like learning Spanish or   scaling the Great Wall of China or just 
watching your kids grow up that's just a   million places that are better to spend your 
time at then at a job which you don't really   particularly care for and which maybe you're just 
doing just cause that's what everyone else is   before we move on a big thank you to 
skillshare for sponsoring this video   so skillshare is an online learning community with 
thousands of classes for anyone who loves learning   if 2023 is the year you promised yourself 
you're gonna finally explore new career or   side hustle options or work on personal growth 
then skillshare is the perfect place to start   for me one of the ways we have fun in our 
retirement is making YouTube videos when we   first started skillshare was instrumental 
in teaching us so many of the basics like   videography storytelling and more till today 
one of the best classes I ever sat through   online anywhere is still the class by Sorel Amore 
YouTube success build an authentic Channel that's   worth the follow so her advice about finding my 
Niche valuing authenticity over Beauty creating   meaningful messages and providing value to the 
audience really changed our perspectives on what   we were creating back then for the better of 
course we've gone from like 40 Subs to the 143   000 Subs of today and from time to time I still 
pull up sorel's worksheet when I'm creating   my videos just to check that I'm on track for 
making something good for our people our audience   it's always super easy to take whatever you learn 
on skillshare and apply it directly to your life   Pursuits whatever those may be I highly recommend 
checking out skillshare and if you want to do that   you can use my link in the description below the 
first 1000 people will get one month of skillshare   absolutely free you can try it out learn something 
new move a step closer to your 2023 goals reason   number four the earlier you start your retirement 
the better you'll get at it with every other   change in life we expect that we all need time to 
learn how to do it well so things like becoming   apparent for the first time even if like us it's 
just a fur kid or transitioning from being a   student to being a working adult and then there's 
the transition from being and actively working   adult to retirement mode it seems ridiculous and 
silly even at first I mean it's like saying who   doesn't know how to spend their free time right 
but if you actually truly observe things around   you retirement Falls really differently for 
different people we all know the people who   have retired and in their retirement seem a 
little lost lonely left behind and uninspired   and then there's the other kind of retired people 
right the ones who go like when we're talking that   I'm gonna grab Life by the balls and Max things 
out a big part of that may actually be the point   in life at which you retire whether at that point 
where you retire you still have your zest your   Zeal your energy your health your Fitness to help 
you max out the happiness potential of that free   time and freedom in retirement and then there's 
the thought that retirement supposed to stretch   out for a few good years at least right if not 
for a few decades and doing that requires skills   you know you need so many different skills to 
have a successful retirement I think that's a   topic for another day but basically you need time 
to learn those skills whether it's Financial money   management or social skills you know building 
relationships and stuff but basically you need   time to get all that down pat in order to have 
a successful retirement so then the earlier you   retire the better usually you will probably 
turn out for you so the last and possibly the   most controversial point I think that early 
retirement could possibly be great for you   financially and this is controversial because it's 
directly opposite to what a lot of the experts say   right you retire too early there's so much risk 
that you miscalculate your finances or that world   events take an unexpected turn and then you know 
things go belly up and then you're destitute in   your last years but I mean underlying all that 
seems to be this assumption that in retirement   we're all just going to be like one dead lazy log 
and I think that these days especially if you're   an early retiree that is just so not true maybe 
like us with YouTube in our retirement in your   own retirement maybe you'll learn new skills pick 
up new side hustles and stay busy doing something   that you're doing for the love of it for the fun 
not for the money but having the money come in as   a result of your side hustle is a nice bonus and 
you know what it becomes an additional buffer for   your later years so retiring early also allows you 
to take advantage of things like dual Arbitrage   Right Moving overseas to improve your financial 
situation and yeah so like us I'm from Singapore   but I'm now retired here in Bali Indonesia we're 
not just here because life is more affordable but   the fact is that our retirement sums in fact our 
whole entire retirement is only possible because   living here is so much more affordable as compared 
to back home you know this wouldn't be possible at   all if we retiredly and ended up having health 
concerns right mobility issues for example   retiring early and then using the time to keep up 
with current affairs learning hedging strategies   to minimize risk learning how to diversify our 
Investment Portfolio I feel that the time in our   retirement has been well spent to actually make 
us more resilient and the fact that we retired so   early also means that if anything goes badly up 
time and youth are on our side if our financial   planning for retirement had just sucked or you 
know things unexpectedly go failure so prepare you   know if we have to U-turn and go back to work or 
maybe start another business it's not a big deal   and then we'll go off Marshall the resources 
that we lack and then we'll come back again   and second time around third time around will 
definitely be better each time at doing this   so in terms of confidence and the feeling of 
resilience that we will be able to make this   last all the way I think that starting 
early doing it early diving into it and   understanding the parameters the potential 
the boundaries of what we face in retirement   actually really really helps well guys so 
these are the few takeaways from our last   two years living in retirement here in Bali and 
I mean if you have any thoughts or objections or   contributions to the points that I've made in 
this video I'll love to hear them let's start   a little discussion in the comments below you 
guys have a good week ahead wherever you are   and let's chat again next Saturday thank you 
for watching and bye-bye have a good weekend

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Retirement Planning: Strategies for a Secure Future

Even if it's my goal to continue working  longer, what would I do for healthcare,   for example, if for some reason I'm not able to  continue working until I'm Medicare eligible?   What is a safe withdrawal rate for me from  my investment portfolio if I need to retire   earlier than I expected to? Morningstar's  Personal Finance Guru joins us for part two   of our Building and Better retirement  series on Consuelo Mack WEALTHTRACK. Announcer: Funding provided by ClearBridge Investments, First Eagle Investments, Royce Investment Partners, Baird, Matthews Asia, Strategas Asset Management and Women Investing in Security and Education. Mack: Hello and welcome to this edition of WEALTHTRACK. I'm Consuelo Mack. There are few tasks more fraught with financial  challenges and anxiety than  planning for retirement and replacing a work paycheck with one from savings, ostensibly to last a lifetime. It's especially daunting against the backdrop of 2022's broad-based market decline and the new era of higher inflation, rising interest rates and the threat of recession. This week's guest describes herself as being passionate about simplifying retirement portfolio planning. Amen to that! She is Christine Benz, Morningstar's widely followed and admired Director of Personal Finance, a position she has held since 2008.

She is here for the second of our two-part series on Building a Better Retirement. If you missed the first installment, you can see it on wealthtrack.com. Well, this week Benz is discussing retirement blind spots. She has identified six of them and she's going to help us fix them. The retirement blind spots are: retirement date risk, sequence-of-return risk, low-yield risk, inflation risk, health care / long-term care risk and longevity risk. She certainly ticked all of my boxes. Now, how to mitigate those risks and what steps to take to solve them. I asked Benz to address them one by one, starting with retirement date risk. How big a problem is it? Benz: Well, this is simply that we tend to not be great judges of when we might retire. So there was a survey that Pew Research did several years ago where they asked pre-retirees approximately when they thought they might retire.

And one trend that you see in the data is that people tended to think that they would be able to work longer than they were actually able to work. So many people identified kind of in the period from 70 to 75 as the period when they thought they might hang it up. Well, in reality, when they tracked those same folks about their actual retirement dates, they found that people were not able to delay retirement that long. So the short answer is that we tend to not be great judges of when we might retire. And there are a few reasons why this is the case. One is the health situation, either our own health or our spouse's health or parental health may pull us out of the workforce. We know that ageism is a thing in our culture. We know that some folks who might have the intention of continuing to work may not be able to. They may have a job that's physically untenable to continue to do later in life.

So there are a lot of things that can complicate someone's plans to work longer, which is one reason why I get very nervous when I talk to older adults who say, Well, my plan is to continue working until I'm 70 or 75 or whatever it is. As Morningstar contributor Mark Miller often says, that's a worthy aspiration. It's not a plan. Mack: So how do you resolve that? Clearly you can't anticipate it unless you're self-employed, in which case you're the one who's going to fire yourself. So that's right. There are some people – or keep your business going, whatever it is. Benz: Well, it's tricky, but the key thing is that you need to stay flexible.

And I think for older adults, it's really valuable to kind of have a contingency plan in mind. Even if it's my goal to continue working longer, what would I do for health care, for example, if for some reason I'm not able to continue working until I'm Medicare eligible? What is a safe withdrawal rate for me from my investment portfolio if I need to retire earlier than I expected to? What would I draw upon if I needed to pull from my portfolio? Do I have safe liquid reserves that I could draw upon if I were shoved out of the workforce in a year like 2022 when stocks and bonds went down at the same time? So I think you want to kind of build up, build in that contingency plan.

And then also top of mind is have a backup plan for some other form of work and maybe it's consulting in your field that you've built your career in. Maybe it's a completely different career path. But if you can find some sort of paid remuneration to tide you over in those early retirement years, that can go a long way toward helping your plan last and helping ensure that you're not having to invade your portfolio when it's at a low ebb. Mack: In part one of this series on building a better, more resilient retirement plan, and you've certainly talked about how to handle that from an investment point of view. So I just want our audience to know that, and they can see that on wealthtrack.com. The next blind spot that you mentioned is sequence-of-return risk. So explain that. And it certainly is, you know, uppermost in our minds after what happened with the markets in 2022. Benz: Sequence-of-return risk is something that retirement researchers really worry about. And this is basically the odds that early on in your retirement, often when your portfolio is at its largest, you encounter a really bad market environment that either features dropping bond prices, falling stock prices, high inflation.

Well of course, we had all of that come into play in 2022. And so what retirement researchers really worry about is that a period like that stretches on for a period of 2 or 3 years or even longer. And if the retiree is simultaneously pulling too much from that portfolio that's dwindling, that is a very bad thing. And that can leave less, leave fewer assets in place to recover and heal themselves when the market eventually does. Mack: One of WealthTrack guests, Mark Cortazzo, who I know you know, is a financial planner, has given us two matching portfolios, equal amounts of money, but showed what happens if you retire in a down market like 2022 versus a market where the stocks and bond prices do really well afterwards.

And it can just be devastating in those first couple of years of what happens to you and how quickly you can run out of money. Benz: Well, that's absolutely true. And that's where we got the 4% guideline for safe withdrawal rates from, where William Bengen looked back over market history and tried to identify, well, what would have been the worst period in market history to have retired into. And he identified the period of the late 1960s to early 70s as the worst starting period in modern market history, because you had a convergence of bad events where you had the '73 '74 bear market for equities, which some of your viewers may remember, you had high inflation after that, and then rising interest rates to help curtail inflation.

And that, of course, clobbered bond prices during that period. So that's the period when researchers look back into history that they home in on as the type of environment when you want to be very, very careful. I think it's too soon to say whether we're sort of in a period like that. But coming into 2022, there were certainly a lot of storm clouds gathering for new retirees specifically that we had very low yields on fixed income and cash securities.

So there just wasn't much of a buffer for bond investors. When bond prices decline, they felt the full brunt of that price decline because there wasn't much of a yield there to cushion the losses. Mack: So, Christine, let's take that worst-case scenario that we are in a period where we could be going into like a lost decade or a period, as you just described in the 1970s, for instance, of high inflation, poor market results. What do we do? Benz: Well, I think two key things. So if you are accumulating assets for retirement, if you're not yet retired, don't worry about it. That this sort of environment is your friend accumulating assets at lower prices. But if you are someone who is just on the cusp of retirement or you've just retired, I would say that a couple of key strategies can come into play.

One is if you can find a way to reduce your withdrawals in those bad market years that redounds to the benefit of the sustainability of your plan. So if you can pull in your belt a little bit in those tough years, that's the first thing you can think about. And then the second thing you can think about is just make sure that you've built a portfolio that includes safe assets that you could spend from. If we go through a period where stocks go down and stay down and we have, say, another lost decade like we had in the early 2000s, the idea would be that you would build yourself kind of a runway of cash investments, perhaps short and intermediate term, high-quality bonds that you could effectively spend through rather than having to touch your depreciated equity assets. So those are the two things: curtail withdrawals if you possibly can, and also build a portfolio that includes safer assets that you could pull your withdrawals from.

Mack: You were talking about yields and one of the retirement blind spots that would have been operative a couple of years ago is the low-yield risk. Now that's changed. So how much of a risk are yields now? Benz: Well, it's gotten so much better. We had this war on savers going on for the past couple of decades, really, where we saw this steady drip drop downward in terms of the interest rates that you're able to earn on safe investments. The good news story of the very bad market environment we had in 2022 is that yields are much, much higher today on all manner of cash and fixed-income investments. So you don't need to stretch to obtain a decent income stream from a cash or fixed-income portfolio.

And I would say that this is the kind of thing that kind of ebbs and flows over time if perhaps we have a recessionary environment going forward. I think it's a reasonable thing to kind of think about that yields could, in fact, drop from here and you'd want to be able to adjust if, in fact, that happens. So another thing to keep  in mind, in a recessionary  environment, if we see yields on safe investments drop, we will probably also see the prices of higher risk, fixed income securities see price declines as well, because we typically see them move in sympathy with equity markets during recessionary environments. So for me, that's kind of a caution against overly gravitating toward higher yielding, lower quality fixed income securities because they do tend to be pretty equity-like and do tend to respond negatively in a recessionary environment. Mack: You know, as you mentioned, if interest rates do drop, which they do, if we do go into a recession, then the  longer-term high-quality  bonds like Treasuries will do extremely well because bond prices go up when interest rates drop.

Benz: Definitely the high-quality fixed income is just a superb ballast for equity portfolios. We saw it in the great financial crisis. My guess is that in some other recessionary environment or economic shock, we would see a similar pattern where high-quality bonds would really earn their keep. Mack: Now, another retirement blind spot that you've mentioned, which is quite real now is inflation risk. How can we resolve how can we mitigate the inflation risk? Benz: It's a huge risk factor. It's a risk factor for all consumers, people of all ages. But I think of retirees in some ways as being especially vulnerable for a few key reasons. Some of the categories that older adults spend more on, notably health care, have historically been inflating at a higher, even higher rate than the general inflation rate.

So that's one risk factor. Another risk factor is that if you have safe investments in your portfolio and retirees inevitably do and should have safer assets in their portfolio like cash, like bonds, Well, on an inflation-adjusted basis, you're going to kind of get eaten alive. Your purchasing power will be gobbled up. So that's another reason that older adults tend to be more vulnerable. And then a key issue is that even though a portion of your income stream in retirement is going to receive an inflation adjustment, so specifically, your Social Security benefits will get a very nice bump up. We saw Social Security working exactly as  we would hope over the past  year in this inflationary environment, The portion of your portfolio that you're withdrawing for your living expenses is not automatically insulated against inflation, which is why it's so valuable to think about adding that inflation insulation to the portfolio. Mack: And give us some ideas of adding inflation protection to your portfolio.

What would you suggest that we look at? Benz: Well, a couple of key categories. One is within that fixed income position, the fixed income allocation, I would hold a complement of Treasury Inflation-Protected Securities and or I Bonds. And when we look at the allocations that my colleagues in Morningstar Investment Management would recommend, they would typically say 25 or 30% of a retiree's fixed income holdings should go in bonds that have those explicit inflation protections. Mack: That's a fairly sizable portion. That's a quarter or more of your fixed income.

Yeah. Benz: And probably more than many retirees have. I tend to like the short-term TIPS, short-term inflation-protected bonds because they provide more pure inflation protection without a lot of the interest rate volatility that come along with intermediate-term TIPS. But retirees should check out that within their fixed income holdings and then equities, we know over long time periods, even though they're by no means any sort of an inflation hedge, they do tend to outearn inflation over long periods of time. We typically see that equity return being higher than the inflation rate. I would expect that that pattern will likely persist into the future, which is one reason why I would say even conservative retirees should take steps to hold stocks in their portfolios simply because they need that growth potential that comes along with an equity portfolio.

Mack: And Christine, as far as the Treasury Inflation-Protected Securities, you can buy them directly, you know, at Treasury Direct.gov, but you're talking about funds. So what are some of the funds that Morningstar recommends to buy TIPS. Benz: So investors can go either route. I would keep it very plain vanilla here, and that's probably a recurrent theme with me. I tend to like the funds that give you a lot of diversification and very low costs. So most of the big firms do run good quality core and even short-term TIPS funds. One I recommend and to the extent that I put together model portfolios: Vanguard Short-Term Inflation-Protected Securities is a fund I really like because of its rock bottom costs and kind of a no-nonsense approach to portfolio construction.

So that's a good strategy and I think one that can make sense in retiree portfolios. Mack: And you mentioned another blind spot  is health care and long-term  care risk, especially. Describe how significant that is and also how we can mitigate it. Benz: Many people think, oh, I'm Medicare eligible, I'm home free. But Fidelity does these annual reports on how much a 65-year-old couple will expect to spend in health care outlays, out-of-pocket health care outlays over their retirement time horizon. And the most recent run came around, came in around 315,000 for that 65-year-old couple.

And importantly, that does not factor in long-term care expenses. So it's a big number. A couple of key messages is, one, you're not paying for it all at once that, you know, typically will be paying for it on an ongoing basis. And your health care costs can really vary a lot, certainly by your own health situation. But also geography is a big swing factor that in more expensive geographies, certainly in big urban centers, people tend to spend more on health care. They may receive higher quality health care, but they will pay for it. So kind of customizing your own situation, thinking about your own situation, certainly to the extent that people are still accumulating assets for retirement, to the extent that they can be mindful about setting aside a component of their retirement assets to help meet health care needs explicitly can make a lot of sense. I'm a huge believer in health savings accounts for people who are covered by a high-deductible health care plan.

If you can start on this when you're young, fund that HSA to the max and then that is like gold for you coming into retirement because the funds go in pre-tax, they accumulate and can be invested, accumulate interest on a tax-free basis and then their tax free withdrawals for health care expenses. So it's just a terrific account type to bring into retirement, but you need to be covered by a high deductible health care plan in order to be able to contribute to one. Mack: No the HSAs are fabulous. But for retirees, for people who are on Medicare, I mean, they really need a good supplemental health insurance plan. Benz: Absolutely. And good prescription drug coverage as well. And it's also important to re-shop that drug plan every year because your own needs may have changed and what's covered within your plan may have changed.

So even though it takes up a little bit of time, if you can do that, a little bit of hygiene every year with your coverage just to make sure you're getting the best possible deal given the drugs that you're taking, that can be time extremely well spent. Mack: Longevity risk is the final retirement blind spot. And I don't know how you anticipate or plan for that. What's your advice as far as handling longevity risk? Benz: It's such an important consideration, Consuelo.

One thing I would say to your viewers is that we see a very strong correlation with income and wealth and longevity. So my guess is that many of your viewers will be higher income folks who have done well in their careers, have amassed substantial assets. That's great news on many levels, but it does tend to mean that you will live a longer life and will have a longer retirement. So for couples who are, say, in their mid-60s or individuals in their mid-60s who are in fairly good health today, I think it's reasonable to plan for quite a long retirement where you'd want your portfolio to last 30 years or even longer. And so that argues for being conservative in terms of your portfolio withdrawals, not taking too much early on especially. And it also argues for having a balanced portfolio that includes plenty of growth potential.

So you'd want to have ample stock exposure, not 90% stock exposure, but probably some sort of a balanced asset allocation because you need the growth potential that comes along with stocks. Mack: And Christine, we also have in our audience, you know, people who are not as well-to-do and or are aspiring to be. Since so many people don't have a defined benefit plan any longer, they don't have a pension plan. So what about annuities? Benz: And I'm so glad you mentioned that, Consuelo, because annuities, especially with higher interest rates that we have today, that really embellishes the case for annuities in a lot of ways because an annuity, a very simple annuity, which is the type of product that I would tend to favor, is just a contract with an insurance company where they pay you a stream of income that will last for your whole lifetime.

So it can be a terrific product. You don't need to have a lot of assets to have an annuity. And one strategy I really like is just look at your household's fixed costs, your very basic outlays for housing and food and insurance and taxes. Tally those up and try to see if you can match your certain sources of income, your Social Security, plus potentially an annuity, with those fixed outlays. And that I think will just give you a lot more peace of mind with that long-term portfolio. It can get buffeted around. We can encounter more years like 2022, but you'll know that you'll have those very basic income outlays set aside without having to worry about your portfolio. Very basic, immediate annuity or even a deferred annuity that will start paying you at some later date can be really effective ways to embellish your lifetime income in addition to Social Security. But job one is get the most you can out of  Social Security because  that's the best annuity-like product that any of us has.

Mack: Is there one investment for a long term diversified portfolio that would actually address these retirement blind spots? Benz: Well, one fund that I really like, and I'm not sure that it addresses each and every blind spot, but Baird Aggregate Bond is a fund I would call out. I know you've had Mary Ellen Stanek on your show many times. She is absolutely terrific, Co-Portfolio Manager of this fund, Co-Chief Investment Officer at Baird. And what I like is that this fund is very high quality. So we've talked about, you know, the types of investments you would want in your portfolio in some sort of a recessionary environment. And this is a fund that I would expect to perform very well because it's high quality and low-cost fixed income portfolios. Mack: Christine Benz Such a treat to have you on WEALTHTRACK for your annual appearance once again, and thank you for giving us two interviews about building a better retirement plan.

You've really helped us tremendously. Thanks, Christine. Benz: Thank you so much, Consuelo. Mack: At the close of every WEALTHTRACK we try to give you one suggestion to help you build and protect your wealth over the long term. This week's Action Point is identify your retirement blind spots and take steps to fix them. Are they retirement date risks? It turns out for many people that decision is out of their control. Sequence-of-return risk? Last year's miserable markets made us all more aware of how important timing can be to long-term financial security.

Inflation risk? It's a heightened reality for all of us now. And of course, should we be so lucky? Longevity risk is a challenge for many of us. Depending on where you are in the retirement cycle, a few or all of these blind spots can be key issues. This is as good a time as any to talk to your family and your financial advisor about them. Next week we'll have another in-depth interview to learn about strategies you need to build and protect your wealth over the long term. In this week's Extra feature, we asked Christine Benz to share which financial blind spots are especially meaningful to her and how she is handling them.

Please follow us on Facebook, Twitter and our YouTube channel. We appreciate the time you spend with us. Have a super weekend and make the week ahead a healthy, profitable and productive one. Announcer: Funding provided by ClearBridge Investments, First Eagle Investments, Royce Investment Partners, Baird, Matthews Asia, Strategas Asset Management and Women Investing in Security and Education. Mack: Hello, I'm Consuelo Mack. Every week on WEALTHTRACK we sit down with great investors and financial thought leaders to talk in depth about strategies you need to build and protect your wealth over the long term. Join us on Consuelo. Mack. Wealthtrack.
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10 Expenses That GO UP in Retirement

in this video i discuss the 10 expenses that go up when you retire coming up next i'm holy schmidt holy schmidt a few weeks ago i posted a video on expenses that go down when you retire not surprisingly a lot of people wanted to know what those expenses were so that they could see if that list applied to them or could potentially apply to them depending on their age i had a few comments from people that asked for similar video but in reverse they wanted to know what expenses go up in retirement so this video is for those people and of course you and anybody else who has an interest in the subject before we begin please make sure you click subscribe notifications so that you get alerted the next time i post a video i post about twice a week all right let's get into it number one and this is a big one is travel when people retire they have a lot more time they're not working 40 hours a week and they try to fill that time with things that they couldn't do or do as much of any way when they were working travel is a big expense particularly from the 65 to 75 year old age group because that's when folks have a lot of energy and the time and funds to engage in travel they often start working down their bucket list as it's called and they go to places like india for some of them others might just go to upstate new york many go to a destination somewhere in between while many people stop traveling at age 75 there are others that continue on into their 80s and even in their 90s so 75 is not a hard stop for anyone expense number two is utilities since you're home more you're going to be using more utilities at home you won't be at work every day so the lights remain on in the darker parts of your house you might be cooking three meals a day instead of ordering out one meal for lunch you might find that your water bill goes up because you are showering twice a day once in the morning and once before you go out or over to a friend's house the third expense is for fitness or exercise a lot of people join a health club or even a country club if you have the means that costs money and so if you're going to spend time on fitness whether it's in a club or maybe it's a new bike who knows you do have the time to spend more time exercising and taking care of yourself and a lot of people find that at this stage in their life they want to make sure that they do in fact do that point number four is on debt and debt service payments unfortunately the average retiree does have debt in fact the average retiree spends 40 percent of their income on debt service payments payments on interest and principal on credit cards primarily as a side note if you have the opportunity to enter retirement with very little or no debt that 40 percent can go to other things where you can enjoy yourself even more point number five is spending money on things like books and reading with the extra time people find that they are more engaged in activities like reading because it keeps the mind sharp and helps pass the days in a very constructive way the sixth point probably the biggest expense that goes up is health care not just the cost of your insurance but out-of-pocket costs etc as you get older you spend more time at the doctor's office you have more co-pays you have more out-of-pocket costs and you may have some things that just aren't covered and so retirees find that their health care costs go up significantly the next point is moving and relocation a lot of people move when they retire they don't stay in the house that they raise the family in they head to florida or arizona another warm climate or just into a less expensive home than the one that they raise their family in the next expense that goes up are the day-to-day expenses people have a tendency to shop a little bit more when they have free time and so some of the smaller expenses that they would avoid while they were at work they don't avoid any more number nine is charitable donations people in retirement have a tendency to focus their time on things that they love and oftentimes some of the things that they love involve charity work or charitable organizations it's not surprising that if they get involved with the charity sometimes they do work with the charity or for the charity and they donate some of their hard-earned money as well point number 10 is financial planning this one actually is not surprising at all people in retirement need to make sure that they have their numbers right both in terms of how they spend their money and where they spend their money and also what to do with it when they eventually pass a financial planner helps them with the answer to all of those questions and many many more as i mentioned beginning if you like this video please make sure you click subscribe notifications retirement information is changing fast these days and i work very hard to get what's out there and here for you this is jeff schmidt thanks for watching

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3 Retirement Savings Tips Before Year-End (Full Webinar)

Welcome, everyone, thank you for joining us today. My name is Ewelina Caplap, Wealth Management operations manager at Coastal Credit Union, where we bank better to live better. Today, we will be sharing with you three retirement savings tips before year end. So hopefully today you will come out of this session with some great action items. Joining me today are David Burk, CFS financial advisor, and Drew Snider, CFP, director of financial planning here at Coastal Credit Union. Welcome to you both.

So before we get into our exciting conversation, we will very quickly cover our disclosure slide. Coastal Credit Union contracts with CUSO Financial Services to offer investment products to its members, which can fluctuate with market activity and potentially have some risk. So getting into our exciting conversation today about three retirement savings tips for year end. At this time, let's talk about tip one. Tip one, Roth IRAs. We hear about Roth IRAs quite a lot and the potential tax free income they provide. David, why don't you start us off with a little bit about what this tip is? Thanks, Ewelina.

A Roth IRA is an IRA that you're actually using after-tax dollars to invest in a credit union or an investment Roth IRA and letting that grow tax deferred so that after age 59 and a half, you'll be able to withdraw money out of that account that is 100 percent tax free. That's a huge financial and tax benefit that you should certainly consider before year end. Why don't you add a little bit more to that, Drew? Yeah, the Roth IRA is is definitely the greatest savings tool we have for retirement.

As the illustration shows, the seed for our tree is what's getting taxed. And then you grow this beautiful tree with all this great money on it and you get to take the money off and you don't pay taxes on the money. So it's fantastic and everyone should consider if they can do it or not. The beauty of looking at a Roth IRA going into December is you have a vision of what your income is for the year and you have limitations on contributions based on what your income was for twenty twenty one.

So if your income is basically under about one hundred twenty five thousand dollars as a single person or one hundred ninety eight thousand dollars as joint filers, you should definitely be looking at a Roth IRA and coming into the credit union and talking to us to see if it'll work for you. That's excellent. What a great first tip to consider taking care of before the year end. So we're now going to move over to tip number two, and we're going to talk about some 401(k)s. What can you tell us here, David? 401(k)s are offered typically through an employer or as an employer sponsored retirement plan.

They've been around for quite some time now, and many employees should be taking full advantage of this retirement savings. And again, since we're now getting towards the end of the year, it's always a benefit to evaluate your income at this year, like Drew mentioned in the previous slide. But then also what your income will be next year and give yourself a savings raise of trying to increase your savings. Drew, I'll let you expand more about the comparison of Nick versus Maria and what their savings has done over time. Sure, I'd be happy to. This is a very simple graphic of two individuals who make the same amount of money and started off saving the same amount of money, the same percentage to their 401k plan. Nick maintained that savings rate, whereas Maria, each year, increased her savings rate by one percent or her contribution rate by one percent to her 401k plan until it maxed out at 15 percent.

And you can see that over time, Maria had quite a bit more money. This is after 30 years. She had twice as much money for retirement as did Nick. And you know what? You don't really need to concentrate on anything other than the fact that that right bar looks a lot bigger than the left bar. So with proper planning, we can help our viewers get there. Yeah, just one more comment here.

Before year end, everyone should take a look at their 401k statement and see if they maximized. If they're trying to maximize the amount that they can contribute, they should take a look at that and see if they've been able to do that this year, because a lot of people may think that they are maximizing their contributions when in fact they haven't. Right? Good point. And another thing, I'm not sure if we mentioned it, if you have a Roth 401k option on your plan, if we're talking about a Roth IRAs, certainly Roth 401k option is something that our viewers should be looking into. Can either one of you speak to that for a minute? Yeah, that's an interesting comment, Ewelina, because that's still relatively new in the marketplace and offered through employer 401k plans, but the numbers are astounding how few people are really taking full advantage of that Roth opportunity in their 401k.

And what that means is, you can actually contribute more towards your Roth 401k than you can a Roth IRA outside of your employer-sponsored plan. Plus, your income is not a restrictive factor in being able to contribute to the Roth 401K plan. And just add to that, I would encourage anybody, even high income people who really do like the tax deduction that they're getting from their traditional 401k contributions. It's not an either/or situation. You know, if you're not doing either traditional or Roth, you can do some in both. Personally, I do some in both of mine. I do some in the traditional and I do some in the Roth in my contributions.

I do the same thing on my own planning as well. Well, certainly a lot to take in and consider for year end. So we're going to move on to our final tip. Tip three. Health savings accounts, right? HSAs. And who doesn't like the sound of triple tax savings? So, David, what don't you tell us a little bit about that first? The triple tax saving on a health savings account is phenomenal, and many people have completely overlooked this opportunity for their own household and and being able to save tax free money.

So what ends up happening. If your employer offers you a high deductible health account, then you can participate in an HSA. And what you're able to do is contribute on an individual basis or as a family, and that money can be tax deductible as far as the contribution. Once that money is in your HSA, it grows tax deferred. And then when you're ready to start withdrawing money from an HSA for a qualifying medical or health care expense, it's one hundred percent tax free as a distribution. And I want to comment here. As as you come to the year end, some employers are going to contribute some money to your HSA for you. You can add the rest up to the maximum. And you have until April 15th to do that. But the year end is a great time to take a look to see how much your employer has put into that plan for you. And then what is the calculation? What's the amount that you can add to it? Because you can reduce your taxes in your 2021 tax return, you get tax deferral and you can take the money out tax free for qualified health care expenses.

Excellent. So it sounds like there's a lot to get done here working with Team Coastal. So who are we right? Who is Team Coastal? Drew, can you talk to us about how we can help our viewers in meeting these three tips? Putting them into action? Yeah. Whether you're talking to Coastal Wealth Management about these concepts that we talked about today, or if you go into the branch, the credit union, you're going to get a team of experienced people that are going to be able to help you make your contributions, maximize your retirement. At Coastal, they're going to talk to you about your savings account options and Wealth Management. If you have a more longer term perspective, we're going to show you some investment options for your IRAs. And then, you know, one thing about Coastal Wealth Management is, you know, we have lots of options to help you to find a great solution that you're comfortable with.

That fits your risk tolerance and your needs, and we're all working together. So whether you talk to someone at the branch and you tell them, Hey, I'd like to get a better rate of return, than you're offering in that savings account, they're going to bring us into the conversation with Wealth Management so we can talk to you about how we can help. So we're all working together at Team Coastal. And then obviously, if you want to do a financial plan with us, we'd be happy to help you with that. Absolutely. And speaking of that financial plan, for our viewers, if they are not aware, it is a complimentary financial review to meet with our team and discover all the options available to you with Team Coastal, whether that be something that our retail team can help you or our Wealth Management department specifically, we all work together and can hopefully help you reach your goals. Schedule your complimentary Financial Review with us today. You can call us at 919-882-6655. You can certainly send us an email [email protected]. And of course, you can find us online as well.

There are some action items to take here with these three tips before year end. We're happy to help you with that. Thank you again… David Burke, CFS financial advisor, one of our dedicated advisors for being with me here today, and of course, Drew Snider, our financial planning director here at Coastal Credit Union. Thank you for your time today and thank you to our viewers for joining us. And reach out to us. We'll be happy to help you..

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Live your Best Life with the Best Retirement Advice You’ll Ever Get!!

we've been researching and living retirement for about 5 years now and we learned a lot about what works and quite frankly what doesn't work and we you know coached a lot of people and we get a lot of comments on our YouTube channel so there's a lot of people who enter this phase really unprepared and then they just wander around and end up bored and even depressed you know without the right strategies you're missing out on the joys and opportunities that retirement can offer to you so today we're going to give you the top 20 pieces of advice from ourselves but also from so many of our clients who are having a really great time in retirement that they describe as super successful and make sure you stay till the end because we're also going to throw in our top five retirement tips can't wait to get to that yeah exactly listen if you're new here I'm jod and this is my husband Mark now we don't focus on the financial aspects of retirement but really what we do focus on is lifestyle Health relation relationships and so much more we hope you like our videos and if you do please share them with someone you care about and definitely like them as you're on your way down your retirement Journey so let's talk a little bit about our journey for the last 5 years because we don't want you all to think just because we have a YouTube channel that we have it all figured out we do in many regards but I I would say the the one thing that we're doing really well is working at it we do yeah I would say that we work at it every day almost to the point where sometimes you know how you work at something so long that sometimes you're like okay I'm going to take a pause on this every once in a while I'll have to call the pause yeah and and I don't want to give away our five tips but the one thing that you and I have going for us well there's really 10 things but I only want to focus on one now is our communication yeah you know we don't always agree nor do we always get along well we always communicate yeah you know we really do give each other respect the space to have an opinion um and you know we're human beings and living together can have its challenges absolutely but we I think the big thing for us is experimenting we don't always agree we don't always get along but we always reset and regroup and what's what else am I looking to say well sometimes I think we also just do what I said just take a pause right I mean sometimes you have to just kind of step away to go back at it with fresh eyes yeah so you know we keep we do keep track of what's working and what isn't working for us and you know what worked for us for all the years that we were married that we were working may not work for us now so we've had to adapt a few things for sure you know when we were working it was I'm not going to say it was easier but there was so much going on there really was no downtime right now we have downtime and we need to make sure we're we're doing it the right way y so you might be wondering why do you even need to think this Harden retirement well we have people say that to us all the time you know you guys make it sound like it's so much work in retirement that's when you're supposed to have no work right well what we found out is our retirement other people's retirements are successful and they're happy because they spend a little bit of time working on things right now by the way we've got a whole bunch of free downloads but we're going to put a link below to one it's a health and wellness checklist we want you to get that download and use that to kind of reset your health in retirement that's really really important so let's jump into some of the best retirement advice we've heard from RE reies thus far and again stay till the end where we'll do our top five retirement tips okay first thing stay active first thing always what staying active it is it's one of our first things we always say I can't emphasize this enough now we have a new puppy who is in the background is he eating something well just a dresser no he's eating a knob on a dresser maybe you should grab him but staying active it's her uh yeah it's a her so we'll bring her up um you get to see Ruby this but uh staying Physically Active it boosts your mood it boosts your health you know walking walking walking our dog is always helpful but we're both pretty big fans of some regular type of exercise Absolut and you need to do that yep yep and you know we read a great book called outlived by Dr Peter ATA and he talks a lot about exercising being the best medicine for longevity okay you can't lick the microphone all right second thing nutrition you've really got to understand what it is that you put into your mouth you know my mom said that when I was a kid but as we get older you know there are changing nutritional needs that we need to be aware of and you got to have a good balance of fruits vegetables lean proteins and whole grains absolutely and you know you have to also stay hydrated you know you have to limit your intake of sugary or processed foods and definitely make sure that you're Consulting a nutritionist I think or a dietitian even of sorts and make it fun in the kitchen you know explore some new recipes or Cuisines to keep your meals exciting and nutritious yeah you do good with that because you're really our cook I'm really appetizers Ambiance and clean up well we've moved from Strictly meat and potatoes and gravies I I call it comfort food to more of a Mediterranean diet so we don't do much beef we do a lot of chicken we do a lot of fish having fish tonight right um a lot of vegetables and we feel better because of that the exercise and nutrition really makes us feel great absolutely so the next thing is really to just you know our retirees tell us all the time you know continuous and constant learning keeps our brains active and really keeps us sharp and keeps us young yeah and you know retirement offers you the freedom to explore new hobbies or skills or go to the library when was the last time you're in a library you know it's amazing to walk I love walking through bookstores but walk through a library is even more fun because it just massive and there's so many different sections you can get lost in there forever right and you know I think that uh local community centers like uh got down here in Florida they've got all of these nature preserves they just kind of fun to go walks Serenity walks and different things another thing that's really important and the fourth tip today is socializing you really got to make sure you're getting out and making new connections there are a lot of people in the same boat that you're in right that want to meet new people down here in Florida we're just really getting so much better at putting ourselves out there Y where you can volunteer join a club um I and it's not that hard you know I think we make socialization as we age a lot harder than it really needs to be it's like almost like we build up these walls around how am I going to get invited or who am I going to know or what am I going to say and you know really it's just a matter of putting yourself out there and being you I mean you you are very interesting and what we always tell our kids is it's important to be both interesting when you're socializing and interested so you know have your battery of questions kind of lined up that you're going to you know say to people when you're in Social settings a lot a lot of it is easier than you think so that's all about meeting new people and networking so to speak uh the other thing the fifth tip is nurturing your current relationships we get that a lot from our retirees what's that that need to do this once they are retire I mean whether it's your children or your old colleagues at work or your relatives or high school friends or college friends these are people that at one point in your life were probably pretty close to you will reach out and find out what they're doing look for them on Facebook or whatever but don't be afraid they're probably wondering if they're retired as well gosh I I wonder where my high school friends are and when you call them I guarantee you they're going to be like oh my gosh I can't believe it just called and you have the most wonderful conversation so I also think that in the nurturing relationship bucket Mark I I also think it's a time where you can really sit back and address any unresolved conflicts that you might have whether that's with family or old friends or you know old neighbors or colleagues you know it's a good time to be able to address all of that for sure okay um staying financially Savvy lot of the lot of our clients and ourselves and people leave comments that you know how much money can I spend spend should I downsize or rent when should I take Social Security or my pension you know we have a great tool that we um came in contact with through new retirement and it's actually a um a portal where you can connect all your bank accounts and it actually pulls everything and it shows how much you're spending it shows you what might happen if you downst it's a really cool too it's it's like a scenario plan yeah so we'll put that down below but these are all questions that people have you need to get the answers so either a financial planner or um your accountant or using this tool but you know having a regular budget can be helpful because you kind of know how much you can spend right um I think the other thing that we see a lot of because we get it all the time too is being really careful about scams oh I know you know this thing where people call up and say that uh it's it's an email and or they'll say is this Mark Rollins and you say yes and then they have your yes there so there's a lot of those things that are happening good financial adviser and really understanding your finances is really important okay the next thing I would say and and I didn't do this as much during my career but I've really taken this on um and with some advice from our retirees is prioritizing your mental health your mental health and wellness is so important it's critical and almost as crucial as your physical health right uhoh Ruby's getting adventurous Ruby's getting out of hand um you know meditation I talk about meditation a lot lot I talk about journeying a lot and you know five five or six years ago I started meditating and if you asked me the day before I was meditating would I ever do it I would I would have said no yeah but it really is a lifesaver now it really helps me every morning to kind of get myself set for the day journaling gets my ideas and my feelings out on a piece of paper it really has helped me tremendously be more calm and in the moment for whatever comes our way absolutely and you know what I I remember you and I remember you the day before you started and and you really that's a true statement you never would have done it if if you didn't you know kind of feel like you had to do it at that point okay the next thing I would say is um you know our retirees these days are really embracing technology you know it offers a great tool to stay connected and informed and even entertained and then there's you know the platforms like Zoom or Skype that allow you to do virtual meetups with family family members we just yesterday gave our grandson Luca his fifth birthday present oh yeah via Zoom they're in California they're in California and we're here in Florida and we had the present all set it was all ready you know we had it all kind of concealed his eyes were covered and um that was really the only way we were able to celebrate so I think it was good that we were able to do that and they're able to do it you know back with us I mean I think Luka could zoom or Skype us probably without his parents well on the way to school a lot in the morning uh Jonathan will give Luca his phone and luuka and I will have a conversation on the way to school which is fun so there's um there's a lot you can do with technology and I I find that when people are struggling with technology they're struggling with life so really investing some time and learning how to use your phone right learning how to use your computer it really is important I think the next you know the next thing our retirees tell us is you know you know travel and explore you know traveling provides such EXP exposure to new cultures you know I know we've got a safari coming up at the end of next year we're both a little nervous about um but new cultures new foods new experiences and even some local trips some stations but going to the next town over I know I had a hard time saying that the other day but the next town over can be really fun and it keeps you busy so you can plan a trip you can research trips we we've we've now seen recently there's a lot of travel agents that specialize in trips for solo not solos solo retirees or solo people individual people so you go on a vacation with 10 people who are all there on their own right and you know the travel agent does a pretty good job we hear of making sure that you're all the same um you know you're you're going to the same place for the same reason and that you'll pretty much get along so that's great so more advice from our um retirees that we've been kind of investigating and calculating this is always a favorite re-evaluate your living situation and you know what I mean by that is you know consider your proximity to you know family to friends to Health Care Facilities to your doctors to your favorite recreational areas you know re-evaluate if where you are here today is where you really want to be or need to be as you move through your retirement yeah I think that's really important because there are so many options for you today to live and again it's not just about downsizing which I think we're going to talk about in a minute but it's really where do you live and how are you living we we always talk about wanting to end up as we get older being there one of our kids and we have six it's just hard but they haven't really we're not necessarily on the same page on this one what do you mean well I mean I think it would be great but I like who do you pick how do you pick what do you do I I'm not going to say it on here but I know who I'm going to pick okay I want to be taken care of okay I know who she is oops did I say that okay so the the next thing is downsizing or rightsizing your home so this has Financial connotations but it also has a tremendous amount of um psychological stumbling blocks that you need to get over in order to even think about downsizing and the first place to start instead of just saying I don't want to talk about it with your partner you have to talk about it I think that's really the first thing we have a lot of people who are frustrated with this topic because they're spouse or partner don't want to talk about it well well the retirees that we spoke to for this video said you know this is a scary and dangerous topic right downsizing you know decluttering is a little bit easier than downsizing downsizing means you're thinking of making a big move right and if you're both not on the same page it becomes divisive so you know the retirees uh that we talked to said this is good advice to start to bring up early in your retirement really planning the seeds you know where do you stand on on this you know is simplifying something that's going to lead to less stress or are you the house that everyone comes to and and we've done and that's fine too we've done uh several videos on this topic of downsizing there's another one that says if downsizing isn't right for you some things that you can do really the process here is to simplify your life you're now in a phase of your life where you've got more free time you can travel so will Trading houses up or down make your life simple right so right and it's you know it's a therapeutic process and speaking of a therapeutic process the next thing that everyone says helps them so much is beginning the process of decluttering right and that oh my gosh we we try to declutter all the time it gives you mental Clarity it makes your home safer and there's so many emotional but what's so funny I'm laughing because if we try to declutter all the time where's the Clutter coming from I don't well yeah the first thing is to stop buying stuff right yeah exactly because you know take the Amazon app off of your phone because you know when you declutter you know and then you declutter again and again you got to start saying to yourself where is it all coming from well I I mean you can start with a closet you can start with a dresser and you know there's a lot of gems inside your closet and your dresser that other people can use if you're not using I mean if you're not if you haven't worn a c outfit for 2 years get rid of it yeah you're never going to wear it again the other thing is when you when you take a look at an item in your closet if you wouldn't buy that new today get rid of it right you know so you know you don't need your suits anymore your work clothes if you've retired so decluttering can really be fun we did we've done a lot of videos on that too you know this next um item a lot of our retirees really felt uh strongly about and and that is to document your legacy you know sharing your life stories is such a gift to all the future Generations in your world you know writing or recording or even creating digital albums you know can be great methods of documenting your legacy and this is the one thread I think that I heard that just everyone spoke about with passion there's a good friend of mine um who is a a grandmother she's got three children and five grand grandchilden and she writes a letter I think she writes two letters a year to each grandchild every year she's been doing that since the kids were born and she's telling them stories she's sharing with them a little bit about her um her preferences or political background uh you know how she feels about certain current events that are going on right now it's really going to be an amazing gift to give to these kids to be able to have a letter from their grandma mother from 20 years ago about some current event that was happening and how it's making her feel so it really is a neat project that she's done yep well you just saw Ruby or maybe you did but adopting a pet you know it gives this is controversial with retirees actually okay you know because and I didn't mean to interrupt you I know I'm going to get hit with comments on stop interrupting it's typically me that interrupts you that's what the comments say but um you know adopting a pet or rescuing a pet or somehow putting that type of love and companionship into your life gives you so much the flip side and I guess where I'd say it becomes controversial is you have to be you know ready for it you have to have you know the financial wherewithal to handle it you have to have the bandwidth to handle the training the potty training the dog walking you have to have good physical activity and if you don't it's going to help you get there but you have to be ready for it and this one just kind of was like uh probably 7 25 a was interesting for us though we've had two dogs together before we had sugar um and we had little Max and we just got the dogs and we just brought them up the way we wanted to well because we were working we were still so now we have Ruby for three days and I said to jod why don't we do this differently why don't we find some YouTube channels and learn how to really train a dog well it's actually been really exciting for us because we're learning some things we never knew right and I think it's been really helpful for us and for little Ruby and for rucious yeah so having a Pet's great it well it's works for us and again it was kind of a controversial well there is a lot of love that comes back yep and there's just a lot of anxiety that comes with the love so all right the 15th tip you could join a club or start a club right so coffee uh with uh so for a man get one buddy have coffee once once a week bringing have him bring a guest and you bring a guest get up to like 10 people and have weekly coffee tell stories I I do that all the time and I love it so it's it's a really fun way to well let me say this it's important Jody and I have a business we're married we have kids we do a lot together but we do a fair amount apart too so I think that for everyone in retirement if you're solo you're solo but if you're a couple you got to have your own stuff yeah you got to have your own club you got to have your own group yep um you know the next thing is to seek out mentorship opportunities you know um again our retirees had a wealth of professional and life experiences and there's so much that they could share with younger Generations that they would engage in really meaningful guided conversations that helped build multigenerational connections for them and again they got pretty charged up about seek seeking out these opportunities you know Mark and I did that at the University of Hartford in one of the business classes where we kind of did a guest professorship for a day and then we actually took applications for um for students to mentor and it was a really fun year for us well the thing there's a couple things that happen first of all you're helping someone else but you feel fulfilled you know you feel like you have a sense of purpose uh by guiding others and the other thing is I'm going to go guide is get getting mentored by someone who's younger than you I mean I have two mentors we kind of Mentor each other one is my son and one is another young professional that I know but but I actually can learn a lot from them they have a different outlook on business they have a different outlook on life and it really has been helpful to me for sure so that that's been fun yeah it has sorry I had to step away um this was I thought an interesting one and this came from a a a pocket of our um friends and retirees that wanted to engage in artistic Pursuits um I would put myself in this area I haven't done it yet but exploring different art forums and painting and pottery you know our neighbor across the street Jen she does that every year whenever she gets down to Florida she joins last last year was Pottery this year it's painting drawing it's drawing drawing she joins um art classes and workshops and goes to the local community center and she loves it and that's something I think I would like to do cuz I don't do much for my artistic side but it gives you also um uh Arts a form of expression and emotional release and if you're into that at all it really is kind of fun to do that I mean this in a way what we're doing is Artistic Pursuits I mean we're shooting video and we're you know um you know building a little business but it it's uh it's fun I would I wouldn't say it's a hobby but we've had to learn so much so it's been kind of cool y on the other thing and we just did a Facebook live on this yesterday is um staying updated with current events you know we we did a a Facebook live yesterday in our in our community uh do you consume the news or is the news consuming you right so really finding a way to get good solid news we think is important I mean trying to find reputable news sources or magazines is really helpful versus getting caught up in what everyone calls the fake news if you will but you know uh get involved with Community discussions or forums talk to friends don't be so judgmental when someone has a certain opinion on a news article but really finding a balance there because it is important to stay up to date it is I believe it really is important to stay up to date but like you said it's also can be all consuming we do have some retirees that watch the news Chann channels and you can watch the news channels now 24 hours a day so uh we do have some folks that are doing that which isn't probably the healthiest the next one is well before you do that one of the what's that I interrupted you I get a good comment um we stepped away we have stepped away from watching the news in a in a big way so we'll watch the evening news for I don't know 35 minutes we watch some things on um well Evan your daughter told us to watch NPR well listen that's a podcast it's a podcast so we we we get some news that way but um staying informed about local events or Community changes we kind of stepped away from that we jumped back in you found out about this great concert taking place and then you signed up for it and it was full yeah I mean literally the day I saw it which means it probably was out there before yeah so I think the whole idea of current events is really important things happening in your community so I didn't mean to interrupt you but I didn't want to forget that okay I think the next thing that we heard a lot about from everybody was planning regular family events or Gatherings you know now you have the time to organize events and birthdays and anniversaries and really start to create traditional Traditions like annual family picnics or you know um different things you could do with grandchildren either in groups or select one at a time I mean that's really something fun that you can um really jump into I think yeah we have Thanksgiving um in Florida this Thanksgiving couple weeks couple weeks and we've got five of our six kids coming with their partners and um the grandkids are not going to make it but we can't wait for that and we make it special and we make it a lot of fun and they all have their favorite food here and little gifts and we take a lot of pictures so that we can have really good memories for um for the future um you know investing in self-care is really really important a lot of people don't take time to do that you what it shouldn't have been number 20 it shouldn't have been last no it shouldn't it really shouldn't because now is the time you can dedicate for relaxation and meditation and deep breathing and different things like that if you can afford to get a massage once in a while um you know do yoga on the beach you got to get your health checkups I I know I um I think we'll leave a link below we have a a free yeah Health checkup worksheet is really great so you can download that we'll put that in the comments below but you know you want to engage in activities that stimulate your mind puzzles games right you have to get adequate sleep and rest we have the aura ring so we track our sleep the first thing we talk about in the morning is well just how you do what are your numbers you guys have been patient our top five retirement tips number one you have to have a plan y you need a short long-term plan you need 5 10 15 20 years or more out you know my my plan is to be physically independent at the age of 90 you You' heard me say that before so that is what drives me to get up and exercise every single day and we start each day with a plan that's a good segue to the second big tip exercise exercise exercise exercise exercise it's the number one thing that we can do for ourselves to be healthy and if you're not exercising now keep it simple walk out the front door walk 10 minutes one way and come back and do that for 5 days and then go 15 minutes and then do 20 minutes for a week so you got to do that the third top tip is you've got to build a community of people you've whether it's your family you reach out to whether it's Friends new friends neighbors re-engaging with old work friends number three is you've got to build community and the fourth tip would be healthy habits really review your habits you know think about can you limit your alcohol can you stop any bad habits I mean you stopped cigar smoking you pretty much eliminated chocolate chip cookies pretty much eliminated what do you mean pretty much you bought them yesterday and I haven't had one yet and you're going to throw them out I'm having them and you know keeping ahead of better nutrition you know eliminating your bad foods and making sure you're eating what makes you feel good I was thinking about this this morning healthy habits or food alcohol whatever it is I drink very little now so if you can try going for two weeks let's just say two weeks no alcohol uh change your nutritions try to eat healthy try to get good sleep it's amazing how much sleep you can get when you don't have any alcohol yes try it for two weeks see how you feel just see if you feel any different because that's what's happened to me if I have a glass of wine I feel like crap the next day I've gotten so used to not having one glass yeah yeah but but anyway all right the the fifth thing is to give back you know volunteer start or get a dog Ruby really like that one volunteer or start a company you know during our career we got fulfillment out of our job but volunteering is a great way to replace that right um and if you're married in a relationship have fun have fun with each other look how much fun we're having and doing this right sorry about flexible with each other you know she's brand new we run into trouble here at times together as a couple but try to find ways to have fun yes some of this was ser ious and it can affect your quality of life and other things are just downright important but all of it is to make this next phase of Life exciting and fun so we hope you enjoyed this and if you did this next video top tips for living longer in retirement on that video we talk not only about living longer but almost as important as living healthier so watch this one next

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Is a Retirement Bucket Strategy Right for You?

Making your money last in retirement can be tricky, so it's worth asking if a bucketing strategy might help you address some of the biggest challenges you face. So in particular, we're talking about number one having the confidence to stop working and start spending. That can be terrifying even for those of you who are well prepared. You might have assets and a healthy income from social security and pensions, but still it's kind of terrifying to walk away from a job with a steady income and some nice health care. You might also need to invest at least some portion of your assets for long term growth, and that's because we all face the risk of inflation or rising prices over time.

So if your assets aren't growing then you may lose purchasing power over decades in retirement, and that can be a problem. Then a third issue is of course that sequence of returns risk, and this is when you are selling assets especially at the beginning of your retirement when markets are down, if there happens to be a crash at the beginning of your retirement years, if you're selling assets during that event it can really take a bigger bite out of your portfolio and increase the risk of you running out of money later in life, and we don't want that. So let's spend the next couple of minutes talking about retirement bucket strategies. We'll go over some examples, maybe look at how to start it and manage it over time, and then discuss if it's the right move for you. I will mention that I don't see a lot of clients using this beyond a two bucket approach, but it's still nice to know these concepts so that you can either rule it out if you're not going to use it or get some good ideas. Bucketing is also known as time segmentation.

In other words, you have different buckets of assets that you can pull from over different time frames, and the promise of this is that hopefully you would be able to avoid selling assets when they're down and you can be confident that you have the funds you need for your withdrawals and your spending. So you always have a cash bucket and this involves money that you might be spending next week or next month.

This is relatively safe money, and then beyond that you might have one or more additional buckets that are invested a bit differently, and we'll talk about that in just a minute. It's important for you to know that you can customize this in any way you want. We're just going to go over some examples that are concepts, but whether you use two buckets or three buckets or make the time frames different, maybe you want four years worth of cash for example, these are all things that you can customize to suit your preferences. One of the simplest approaches is a two bucket strategy.

So you've got just that one bucket for several years worth of spending. You might set aside enough cash to satisfy let's say one to three years worth of withdrawals if you needed to take money out of investments and you didn't want to sell investments because they're down perhaps. The second bucket is maybe a total return portfolio. It might be invested according to whatever is right for your risk preferences, your needs, and your tolerance, and you would know that given that you have some cash set aside you don't need to dip into that bucket for at least four years or so. Now keep in mind that this isn't rigid so you don't need to necessarily start by spending from your cash bucket.

If the markets are doing well and your investments are gaining value it might make sense just to spend from those investments and leave that cash bucket as is and it's there for if you ever need it. So if there is ever a market crash it is already loaded with cash that you can draw on and you can worry a lot less about what the markets are doing. So you can see some of the investments in bucket number one. These are cash equivalents basically it might even be in a savings account or CDs. You could look at T bills if you wanted and other types of things. Again this is up to you but the point is you might feel really confident if you have this money set aside. And by the way it's probably a good idea to start building up this cash bucket a few years before retirement so that once you reach day one of retirement you have this money set aside already. In the second bucket of course you have a diversified portfolio so that might be mutual funds and ETFs, maybe some individual stocks and bonds, whatever it is that you invest in according to whatever is appropriate for you as an investor.

So if that's a 60 40 for example you do that maybe you have more risk or less risk or alternatives or something else. We'll look at some deeper examples next but first I want to mention I'm Justin Pritchard and I help people plan for retirement and invest for the future, and in the description below you're going to find more information on bucketing, some resources from Christine Benz, as well as just some general retirement planning resources and information. I think you will find all of that really helpful so please check that out. And by the way it's just a friendly reminder that this is just a short video it can't possibly cover everything. You can still run out of money even if you use a bucketing strategy so triple check all of this with some professionals and be aware that there is always some risk and uncertainty in the retirement planning world. Now moving on to a three bucket example we have those same two buckets as before but we've added an income bucket so this is in between the cash withdrawal bucket and the longer term growth bucket.

You might prefer to set aside an extra bucket. I'm not sure that you necessarily need this bucket but you could include things that kick off higher levels of income perhaps longer term bonds and CDs maybe some dividend stocks if you have the appetite for that kind of risk and anything else that comes to mind that might help create some income that can go into bucket number one. If we look at this three bucket example depending on how you set it up you might have roughly or almost 10 years worth of withdrawals in relatively safe assets.

You've got a couple of years in cash so that's going to be really safe and then the income is a little bit more risk but not quite everything in the stock market like your growth bucket you could potentially pull from those assets for up to 10 years before you need to go and sell from your growth bucket and of course the past doesn't necessarily repeat, there are no guarantees but if we look historically there's a decent chance that you wouldn't be selling at least at steep losses and you might not be selling at any losses if you have a diversified portfolio over a rolling 10 year period, again can't predict the future, then if you really wanted to you could add more buckets but that really gets complicated, and speaking of complicated, let's get into bucket maintenance or bucket management.

This is really where you start to see some cracks in getting too complicated with this strategy or using too many buckets it's easy enough to design a bucket strategy in theory so you can set up the amounts you want and figure out how many years they should last and on your retirement date and in the early months you will have a lovely set of buckets, you've got the exact amount in each one and the investment mix in each one is exactly what you want, but at some point, life might happen, if you get into an extended downturn or even a flat market or if you have huge expenses that you didn't expect at some point we need to figure out how exactly you're going to be moving assets from one bucket to the next again when things are going well you're typically going to maybe just sell from those investment assets and not even use bucket number one the safe money you might just take profits off the top of whatever your growth investments are doing during the good times and meanwhile you might be sending income let's say dividends or capital gains payments over from the income and growth buckets into bucket number one and that can help to build that up or replenish it from any withdrawals that you might have taken but if you really start drawing from bucket one that safe bucket how exactly do we decide when and how to put money back in well one way is to use a systematic approach and that might be one example is going to be just every time period whether it's every six months every year you take some money out of the subsequent buckets and pull it forward into your cash bucket that can kind of defeat the purpose of bucketing because the idea is that you don't want to do things systematically you want to be more opportunistic and not just sell every six months but you want to avoid selling when investments are down to make a slight improvement on that you could look at a rebalancing strategy so you just take profits off the top of whatever did well and sell those assets and put the proceeds into bucket number one so if stocks did really well you're taking money out of stocks putting it into cash if bonds did really well and stocks suffered you would sell some bonds to get back into balance and then move that money over into the cash bucket you could also look at more opportunistic approaches and these border on market timing but you might say that maybe you have some rules you could say if something rises by more than five percent during a quarter or during a month for example you're going to sell some of that get it back down to a smaller proportion and take the sales proceeds put that into cash your bucket maintenance gets really complicated at some point especially if the markets don't behave so I would say you want to do a lot more thinking ahead and a lot more research if this is something you're considering look at some of the discussions with Christine Benz from Morningstar there are a number of those here on YouTube and she talks about that in more detail and proposes maybe some simplified ways of going about this which might take us right back to the two bucket approach really quickly how do you set this up in the first place well one way to do it is to use different accounts so your cash bucket is in cash and that might be in savings accounts CDs banks credit unions or even a conservative brokerage account then you might have your other buckets in different accounts and that way you can keep a balance of whatever the assets are in that account you can rebalance that account and the cash bucket is unaffected so it might make sense to do that but if you prefer you could do all of this in one account so for example you could have a couple of years worth of withdrawals sitting in cash or in a money market fund in a brokerage account then the subsequent money or the rest of the buckets would be in other investments inside of that same account ultimately this comes down to your preferences and what's going to be easiest for you to keep track of because that's really important you have to manage this over time it isn't just setting it up once and then letting it run you really do need to keep paying attention to it so I've hinted at some of the potential challenges here and I'm going to propose what I think is a simpler way of doing that and explain exactly why I think that but again it can be hard to manage this over time you don't always know what the next step is and so you might be kind of figuring things out and winging it as you go and that kind of defeats the purpose of setting up a structured process at the beginning if you aren't really sure what you're going to do with it as the years pass this can also be a cash heavy approach so you might have several years worth of withdrawals sitting in cash and that's not necessarily a bad idea but for some people given how everything is set up that can potentially mean that they don't have much that is invested for longer term growth so you want to think about that as you explore all of this and of course there are no guarantees so there could be extended draw downs that cause you to wipe out one bucket then the next and then get right into those growth assets selling exactly when you don't want to sell you can still have problems with this approach so what are some decent alternatives to bucketing you're obviously looking for a solution that can provide some peace of mind and give you a reasonable path forward as you figure out how to spend down the assets that you have one solution might be total return investing and that's where you just have a diversified portfolio that is tailored to your needs it has the right risk level and then a cash reserve so basically we're just talking about two buckets here if you want to look at it that way you've got a couple of years let's say worth of money in cash that can satisfy withdrawals during market downturns and the rest of it is invested I think you'll find that this functions similarly to what everybody thinks about as a bucket strategy so what you're doing with that approach is you want to keep the portfolio in balance so a couple of options number one is you can just sell what's been doing well and generate cash that's kind of like what we were talking about with bucketing or you might keep the portfolio in balance every six months for example or when it gets out of different tolerance ranges you might get it back into balance but effectively you're still selling your winners there and then putting it into the portfolio balance and then whenever you want to add cash you would just sell everything proportionally but you have been previously selling your winners to keep the portfolio in balance it's not exactly the same as a three bucket strategy for example but it can function somewhat similarly and another approach is to look at guardrails this is different than bucketing and looking at what to sell and when but it might be a different way to figure out exactly how much you can spend and avoid running out of money during retirement that's a topic for another video but it's something to look into if you're exploring these ideas so I hope you found this helpful if you did please leave a quick thumbs up thank you and take care.

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