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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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– I was born to be wealthy. I am now accumulating large sums of money
– I was born to be wealthy. I am now accumulating large sums of money
– I was born to be wealthy. I am now accumulating large sums of money
– I was born to be wealthy.

I am now accumulating large sums of money
– I was born to be wealthy. I am now accumulating large sums of money
– I was born to be wealthy. I am now accumulating large sums of money
– I was born to be wealthy. GREAT JOB !!!.

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Retire Wealthy Home

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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 
stocks ETFs and options I've been using the   MooMoo mobile trading app myself for almost 
a year now and I think it's awesome it's   fast intuitive trading US Stocks is commission 
free plus they give free level to data and many   more perks now for a limited time when you open a 
Mumu Singapore Universal account they'll give you   a year of commission free trading of Singapore 
stocks ETFs and reads if you're trading us and   Singapore stocks just switching to the MooMoo 
app will save you so much money already when   you deposit at least a hundred same dollars and 
start using the mobile app to trade you stand   to receive cash coupons up to 128 Sing dollars 
and even a free Coca-Cola share worth around 87   subscribe two thousand Sing dollars or more into 
funds on the MooMoo fun Hub and MooMoo will give   you cash coupons up to 150 Sing dollars subscribe 
at least 100 Sing dollar us to Momo cache plus   and they'll throw in an additional tensing 
dollars cashback altogether that's 368 Sing   dollars worth of Welcome rewards absolutely free 
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 Planning Home

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I asked a personal finance expert how to invest.

– Investing, when most people think of it, they imagine day trading, stock tickers, and people screaming at each other. But apart from what you may have heard, investing doesn't need to be complicated, overwhelming, or even boring. The basics are actually quite simple. And once you get them down, you could make millions of
dollars in your lifetime. With the help of my friend
and personal finance expert, Ramit Sethi, we're gonna
ditch the generalities and get into the specifics
covering how to start investing, what accounts you should open up, and all the things that you
should and shouldn't be doing when it comes to investing. – This is a critical mistake people make. And it will cost you hundreds
of thousands of dollars. – This video is sponsored by Squarespace. More on them later. My early twenties weren't exactly my most productive financial years.

I remember counting
pennies in line at Wendy's to get their $1 chicken sandwich. And if you're in a similar situation, it might feel impossible to even start thinking about investing, and that's because you probably shouldn't. Before you open up your
first investment account, there are two big steps
that you need to take that most personal finance
experts can agree on. First, you need to build
up an emergency fund. You can start with a month of savings, but eventually, you should get it up to three to six months of basic expenses. We're talking about the bare minimum: rent, utilities, groceries, and gas. What is the absolute minimum
that you need to get by on? And second, you should
pay off all of your debt except for your house.

You specifically wanna focus on the debt with the highest interest rates, so those credit cards,
student loans, and car loans that are 8%, 9%, 10% or
more should be tackled as soon as you've got your
emergency fund filled. The power of taking these
two steps alone are huge when it comes to your
personal finance journey. And they will likely take years of saving, patience, frustration, and sacrifice, especially if you graduated with $100,000 of student debt like I did. But once you pay off your last loan, you'll finally be ready to start investing in the stock market. Warren Buffett once famously said, "My wealth has come from a
combination of living in America, some lucky genes, and compound interest." Compound interest is the reason you need to start investing
as soon as you possibly can.

– What we know is that over the course of a long period of time, we're talking 40, 50, 60 years, the market tends to return about 7% to 8%. That's per year. So people go, "Well, is that
a lot? Is that a little?" Doesn't mean anything to people. What that means is that your money will essentially double every
10 years if you do nothing. Let's say you invest $5,000
a year from age 25 to 65. At an annual return of 8%, you'll have a total of
nearly $1.3 million. If you chose not to invest and instead stash the money
away in your sock drawer, you would have $200,000. That's a difference that
will easily change your life. – So the minute that I paid
off my last student loan, I knew that I wanted to start investing, but I still had so many questions. How do I open an account?
What company do I use? How much should I invest?
What stocks do I invest in? It was truly overwhelming.

There are a number of different accounts that you could open up with
varying fees and tax advantages. My guess is if you've thought
about investing before but haven't taken the leap, this is where you've
gotten stuck in the weeds. So let's break down exactly
what you should be doing from the minute that you
decide to start investing. In the U.S., if your
employer has a 401k plan and offers matching contributions, then this is the first account that you should start investing in, and you should probably
take advantage of this deal even before you finish
paying off all of your debt.

Put as much money into this 401k plan as your employer will match. After that, the first account you should open up is a Roth IRA. If you meet the income requirements, there are some great tax
advantages to Roth IRAs, and it's why most personal
finance experts recommend it. But what companies should
you trust with your money? – There are a few companies I love. I personally use Vanguard.

I have no financial affiliation with them, but that's where I suggested
my wife open her account. They're super low-cost. They don't get you with a bunch
of fees. That's important. Fidelity's also very good.
Schwab is also very good. All three of these are great. Some people ask about
robo-advisors. It's really popular. I think they're fine. If you are coming to me, you're saying, "Ramit, should I do Wealthfront
or Betterment or Vanguard?" There is a slight difference in fees. You know, you might be
paying about 0.3% more for Wealthfront or Betterment.

In the grand scheme, it's not
the worst thing you could do. Personally, for me, I
don't think it's worth it. I don't mind that Vanguard
has a worse interface because I hardly log in. It's not important to me. And I want a company that
is focused on low fees. – So, to keep things simple, if you haven't opened an account already, just go with Vanguard. They've got really low fees, give you all the investing
options you need, and they make it really
easy to get started. Okay, now that you've created an account, what do you do next? Well, you actually need
to invest your money, and regardless of what your
brother-in-law told you, investing your life savings into Bitcoin is probably a terrible option. I think when a lot of people think about investing in the stock market, they think about, like, you said, Tesla.

They think about investing
in specific companies. Some of them go, "Ramit, why would I invest
in the stock market? 7%? That's for losers. Bitcoin, you can average
50% to 60% a year." I go, "All right, let's start
with some basic math here, which you missed the
day they taught that." If you're getting 60% returns per year, pretty soon you have more money than all the money in the universe, and there are essentially no investments that are consistently
getting you 60% returns.

Oftentimes, really what people are doing with these highly speculative investments is they are admitting I have lost the game of money for myself and the only chance I
believe I have to win is to buy a lottery ticket. And that is not how you invest.
That's not how you do it. – So, instead of investing
your money into one company, one stock, or one risky bet, you need to diversify by investing in something called an index fund.

An index fund is a type of investment that pulls together stocks, bonds, and other securities into
one diversified portfolio. While there is always a risk
when it comes to investing, this reduces the overall amount of risk that you need to take. What are the investments
that are safe in the long run but that will also give us a return where we can actually have
a living when we retire? – I love a target date retirement fund. You simply pick the year
that you're gonna retire. Basically, the year you're gonna be 65. And you just put all your money into it. It's automatically
diversified, automatically. It includes stocks, bonds. It includes domestic,
large caps, all that, and you just put as much as you can. They charge essentially no fees. This is not a financial
advisor that's charging you 1%. It's just a computer
that's doing it for you. People almost find it unbelievable. They go, "Ramit, you're telling me that I just pick one target date fund, and I invest in that same fund
in my 401k, in my Roth IRA, even in a taxable brokerage account?" For the most part, yes.

For the vast majority of people, a target date fund is a fantastic thing. If I had, like, if I were
telling a brother or sister, family member, and they're 25
years old, what should I do? I'd be like, put every
extra dollar you've got in a target date fund and
get on with your life. – I wanna share the exact
index fund that I invest in as well as the strategy you need to know once you start investing your
money into the stock market. But first, a quick word from
my sponsor, Squarespace. So I chose to build my first website on Squarespace eight years
ago for three main reasons. Their templates are beautiful. It's really simple to make changes, and you don't need to know any code. Let me show you exactly how easy it is. Let's say you wanna create a blog documenting your journey out of debt and towards financial freedom. You get started by
going to squarespace.com and buying your first domain name, something like mattonthemoney.com.

Next up, you grab a template
that matches your vision. This one's perfect. And then the fun part. You start creating by simply dragging and dropping your content, set your brand colors, add your logo, and take that terrifying step of writing and publishing
your very first blog post. I honestly think that everybody
should have a website. It can help you build an
audience, land a better job, and share your rags to
riches story with the world.

Visit squarespace.com
today for a free trial. Then, when you're ready to launch, go to squarespace.com/mattdavella to save 10% off your first
purchase of a website or domain. The brands that I choose to
partner with on this channel help me to invest back into my videos so I can create better content every week. If you wanna get started and
make a website for yourself, click the link in the description below. Thanks for considering. I
forgot to turn the camera off. All right, so let me show you the exact target retirement
fund that I invest into when it comes to Vanguard.

So this is it. It's the Vanguard target
retirement 2050 fund. Obviously, if you plan on
retiring earlier or later, you would pick a different fund, but this is because I plan
on retiring around 2050. You can see, over the past 10 years, it's performing at 8.36% annually. After you've actually invested your hard-earned money
into the stock market, the hard part comes, waiting. How you manage your
emotions and risk tolerance is one of the most important aspects to building wealth over time because growth isn't a straight line.

– It goes like this. It's up. It's down. Some years it's up 30%.
Some years it's down 6%. This year happens to be down. But you have to remember
that it was way up for the last 10-plus years. – Most people just can't stomach the twists and turns
that the market takes, and over the past year, things have been looking a bit dicey. – But it does seem we are kind of slipping into a recession, doesn't it? – People are gonna feel a lot of pain. – Concerns, of course, about
the potential recession, they continue to loom. – In a poll for the Wall Street Journal, economist put the probability of a recession in the
next 12 months at 61%. – And the fear is that we
are much more likely now heading toward a recession. – What would you say to somebody who sees this happening right now and wants to pull their
money out of their 401k? – If you do this, you are doomed. It's one of the worst financial
decisions you can make to try to pull your money out.

Let me explain. It's called timing the market when you try to pull it
out at the right time and then get back in at the right time. There's several problems with this. First of all, you don't know if it's gonna go lower or higher. And people go, "Well,
dude, it's so obvious." It's actually not obvious. People said it was obvious
in 2008, 9, 10, 16, 20, 22. It's not obvious. It can
go up. It can go down. The market does what
the market's gonna do. You cannot predict it. Second, even if you pulled
it out at a great time where things are really
high, and then it goes low, you need to be right a second time to put it in at the right time. The solution is to simply invest every single month consistently. Doesn't matter whether it's up. Doesn't matter whether it's
down because you don't know where that fits in the overall scheme. Every month you set up an
automation in your Vanguard, Fidelity, Schwab account, and it might be $100, it might
be $1000, it might be $5,000.

It's just continually going in. So when it's expensive,
you're buying fewer shares. When it's cheaper, you're
buying more shares. Over time, that strategy
called dollar cost averaging tends to dramatically
outperform timing the market. – I remember the day that
I first invested money into the stock market through Vanguard. I knew that I wasn't supposed
to be checking these accounts. I had read books by Ramit
and others that told me so, but I couldn't help it. I refreshed that thing every single day, tracking the changes and
watching as it went up and down. But eventually, I decided
to stop obsessing, and I just let the investments do their work in the background, and it was the best decision that I made. Now I check in every six months
to see how things are going. And over the past eight years, on average, I've returned about 8% annually. If you invested $5,000 per
year over the same time period, you'd have made $13,000 in interest. And if you remember that graph
from earlier in this video, if you keep investing, your money will soon grow exponentially.

That is, of course, unless you make one
fatal investing mistake. – This is a critical mistake people make, and it will cost you hundreds
of thousands of dollars. A lot of you watching have parents who are using a financial advisor. I want you to pull out
your phone right now. I want you to text mommy and
daddy, and I want you to say, "Hey, how much are you paying Chet, our neighborhood financial advisor?" Chet, when he gets the question, is going to go into a
very long monologue about, "Well, you know, we're
here to protect your money. I wanna keep you safe, and
I'm always looking over it, and blah, I'm making decisions. (bleep) Chet is ripping your parents off. Chet is charging: I can almost guarantee, a 1% assets under management fee. Now, you go, "1%, what's the big deal? That's not bad to have
somebody look over it." Over the course of your lifetime, if you pay a 1% fee, 28% of your returns will go right into your advisor's pocket.

If you pay a 2% fee, which some
of these ripoff artists do, you will pay over 50% of your returns straight into their pocket. If you have a modest income,
you're starting in your 20s: it could be hundreds of
thousands of dollars. Most finances we've heard
today, it's really simple. Target date fund, automate your money, focus on living your life. But if you really need a financial advisor because things have gotten complicated or you have stepchildren or
all kinds of crazy stuff, fine, pay an hourly fee or a project fee, but never a percentage of
assets under management.

– Since personal finance and investing is really different for everyone, it requires you to do
a bit of extra research to make sure that you're making the best decision for
yourself and your family. So to help you identify what you should and
shouldn't be doing right now, I've linked to some
really helpful resources in the description below this video. There are some flow charts from the personal finance Subreddit that I've found to be very helpful, and I also highly recommend you check out Ramit Sethi's book, "I Will Teach You to Be Rich". It helped me out a ton
when I first got started, and I think it'll help you as well. As you start to dig into
your own personal finances, it's often easy to lose
sight of the big picture: the reason why it's so important to start investing, to begin with. Say somebody just starts getting
into personal finance now, what advice would you give them? – I think money is an
amazing source of joy, and I think when we
typically think about money, it feels like flossing to us.

"Ah, I really should like
do something with my 401k." So I always start by asking people, "What's your rich life?
What do you wanna do? You wanna take a trip to Italy? You wanna take a quarterly camping trip? Awesome. Let's build
that into your rich life. Let's start there." And once you do that,
suddenly you realize, "Oh, my gosh. In order to do
these things that I wanna do, whether it's solo or with a partner, or bring my family and friends with me, maybe I need to have more money." Now you have lots of ways to do it.

You can negotiate your salary.
We've talked about that. You can start a business. But
certainly, you can invest. Every year you wait to invest
is costing you thousands, sometimes tens of thousands of dollars. – Ramit, thank you so much for doing this. If people wanna learn
more about your work, where should we send them? – Come to my YouTube channel.

Come to my podcast,
where I interview couples where they share real numbers. Sometimes they cry. Sometimes they laugh. It's really insightful when
it comes to money psychology. And you can come to my website, iwt.com, and all my other social channels. [Matt] Check the description
out for all the things that we mentioned in this video. Thanks so much for watching. Don't forget to hit subscribe. And turn on notifications
for future videos from me. Thanks for watching..

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401K to Gold IRA Rollover

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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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HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK
NOTES HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD HANDED THIS BINDER WITH MORE
THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD TOUCHED THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD TOUCHED THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD TOUCHED
THROUGH THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF THAN 4@4@100 HANDWRITTEN THANK
NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.

NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING. NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> I NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> I DON'T NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON NOTES FROM THOSE HE HAD TOUCHED
THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV. THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV. THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV.
BUT, THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV.
BUT, THE THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF LIKE THROUGH HIS YEARS OF TEACHING.
>> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF LIKE 4@ >> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF LIKE 4@ >> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF LIKE 4@
YOU >> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, >> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S >> I DON'T WANT TO CRY ON TV.
BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN
MAKE BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN
MAKE THIS BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE BUT, THE FIRST ONE DEAF LIKE 4@
YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE WHOLE YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE WHOLE YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE WHOLE
CONCEPT YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS YOU SAID, IT'S HANDWRITTEN
MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY
JUST MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY
JUST KIDS MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR MAKE THIS SETS UP 4@THE WHOLE
CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT
I CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT
I DID CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT
I DID FOR CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN CONCEPT AND IT IS BASICALLY
JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING
AND JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING
AND THE JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE JUST KIDS THANKING ME FOR WHAT
I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I I DID FOR THEM AS HUMAN 4@BEING
AND THE ROLES — THE ROLE I
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.
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10 STRATEGIES TO BUILD WEALTH

While the estimated number of wealthy people 
continues to increase steadily, a lot of ordinary   folks are being left behind. If you are one of 
these people, it probably means that you are   not doing something right. But hopefully, I’ll 
change that today. By the end of this video,   you will know about all the best channels which 
you can use to build wealth. So stay tuned! Number 1: Educate yourself first If we ever want to change our financial status, 
you must begin with our mindset. You can start   adjusting your mindset by becoming acquainted 
with the basics of financing. It’s crazy that   some people are employed but are still clueless 
about some basic concepts like how to file their   taxes. While some people choose ignore this or 
think they can just get someone to do it for them,   this is the wrong approach. Familiarizing 
yourself or at the very least, knowing how   to file your own taxes, is a good idea. Also, 
acquaint yourself with these basic terms;   income, expenses, net worth, return on investment, 
passive income, financial independence, and so on.

In addition, read all the books you can find 
which are related to finance. If reading is not   your thing, you can listen to podcasts or anything 
that’ll make you financially aware. The point is   to never stop learning. While in the process, you 
should also be cautious because the internet has   all kinds of information; while some are true, 
others are misleading. If you want to find out   the best information, a good bet is to check 
out all the successful investors. Follow their   social media pages, and blogs, because they should 
have some pretty insightful things to tell you. Number 2: Get a regular income source first If you want to become wealthy one 
day, and you don’t come from money,   then friend, you better have a plan. The 
thing is, you can’t just wake up and decide   that you want to start accumulating your 
wealth.

First, you’ll need a game plan,   which should factor in your source of income, 
whether that will be a regular job or a hustle. Once you have saved up enough, you should then 
start researching way’s in which you can grow   what you have saved into something substantial. 
This might mean, investing in the stock market,   starting a business, or getting education 
and certification for a high-income skill. Whichever one you choose, make 
sure you are also mentally,   prepared for it potentially, not working 
out, and having to start all over again. But before I move to the next point, if you 
are enjoying the content so far, be sure to   give this video a thumbs up for that YouTube 
algorithm, and subscribe if you are new here. Number 3: Make a budget and stick to it. For some reason, some people think that it’s 
unpopular to have a budget.

That having a budget,   and setting a limit on your spending 
is being too strict on yourself. However, what they fail to see is that 
budgeting has a plethora of benefits. First,   you’ll become disciplined and stop yourself 
from overspending on things that aren’t a   priority. This can certainly help you to 
build your savings and eventually your wealth. Personally, I use the 50/30/20 rule, which 
is quite simple yet very effective. 50% of my   earnings goes to essentials like rent, food, or 
health care. 30% goes to my needs like shopping   or entertainment, and 20% goes to my savings. By 
planning your income this way, you’ll find your   wealth growing steadily each month.

In fact, it’ll 
seem quite effortless. The main point of budgeting   is to reduce your spending and maximize your 
savings. It’s pretty much like trading one thing   for the other, with the only difference being 
that saving is way more beneficial than spending. If you want to find out more, I made a 
guide which talks about all this and more,   which you can get for free using 
the link in the description. Number 4: Build an emergency fund. Imagine this scenario, you have an early 2000 
Toyota Corolla, which for several years has   served you well.

However, it’s getting old 
now, and it’s starting to develop a couple   problems now. It’s your only car and you rely on 
it a lot for work and commuting. If anything bad   were to happen to it, you wouldn't know where 
the money would come from to replace it. But   one day the worst does happen, and your car 
breaks down. The repair bill is enormous and   you aren't sure where the money is going to 
come from. Your only choices are, selling an   investment to pay for the repair, or go into debt 
which you will have to pay a high interest on.

I’m guessing you’re probably frowning right 
now because these are not the best option in   the world. If you want to avoid such stressful 
decisions, you’ll have to build yourself an   emergency fund. Life can be very unpredictable. 
For example, in the car example I just talked out,   if your car broke down in the middle of nowhere 
and you’ve got no insurance? Here is where the   emergency fund would have come in and saved the 
day. This is just a fund you ought to keep that   will help you in times of unplanned situations 
that require urgent funding. Although some wise   investors have already taken that step and now 
have an emergency fund, they sometimes forget   that a good emergency fund should be able to take 
you through 6 to 12 months of living expenses.

The need for such a fund was made clear for a 
lot of people during the recent pandemic when   many lost their jobs and had no form of income. 
Once you’ve started building your emergency fund,   you can just put it in your savings account where 
it’ll be easier to access if the need arises. Number 5: Invest money. Now that you’ve built yourself an emergency 
fund, it’s safe for you to start investing   so that your money can start growing. 
There are a variety of options where you   can choose to invest your money, but first, 
you’ll have to do your homework because you   wouldn’t want to invest in something 
you’ll not be able to keep up with.   You can begin by invest in stocks by 
buying them on the stock exchange. And if you didn’t know, qwning stock is 
almost like having a piece of the company,   and you’ll profit from the slightest 
rise in the price of shares as well as   dividends that’ll be paid out.

Although 
they are, at times, riskier than bonds,   their risks vary depending on the corporation. 
If you’re not comfortable with stocks,   you can choose bonds. These act like IOUs ( 
which is an informal document acknowledging   debt) from a company or government. Technically, 
if you buy bonds, the issuer always gives you   their word to give back the money with 
a profit on top after a certain period. You’ll also have to do proper research 
on the types of bonds you’re taking to   avoid any surprises; get to know 
the bond rating agencies assigned. Alternatively, you could go for mutual funds. This 
simply means you buy a pool of securities. Most of   the time, it includes stocks, bonds, or a mixture 
of both. Although mutual funds are quite risky,   they also bear very good rewards in the end. 
What you’ll need to be aware of as a young   investor is that all three work well but are still 
risky. All it takes is the right time to invest. Number 6: Automate your financial life.

Most of us are familiar with how stressful 
handling money can be. From the bills   and debts to savings and investments, it 
sometimes feels like it’s too much. At times,   we tend to spend the money we weren’t supposed to 
or end up forgetting to pay certain bills because   we are too busy. Luckily for you, there are a 
couple of ways to get this done automatically. Many financial advisers would suggest that you 
have a fixed percentage that is deducted from your   salary each month to cover your debts, savings, 
and investments. If you activate this feature,   there’s no payday that will go by without you 
distributing it equally. The more you do this,   the more you’ll get used to it and eventually, you 
won’t even notice the money you’ve saved from your   salary.

(Pretty genius, don’t you think?) It’s 
a perfect example of working smart and not hard. Number 7: Increase your retirement savings. Steadily saving money is an amazing way 
to compound your wealth into fortunes.   This is often very evident to most 
individuals who save up for retirement.   Some very common ways to do so are by 
using the 401(k) plan or the IRA. The   401(k) account is one that is given by the 
employer to help save the employee's salary   for retirement. Most of the time, the money is 
put into good use through bonds, mutual funds,   stocks, guaranteed investment contracts, 
target-date funds, or your employer’s stock. With this plan in play, you can contribute 
a percentage of your salary that will be   used as an investment, which is later put into 
your retirement fund. The best thing about the   401(k) plan is that you can choose when to 
be taxed, whether at the beginning or after   you withdraw when retired. The other one is the 
Roth IRA, which is a tax-advantaged retirement   account to which you can contribute money with 
reduced taxes.

The reason I’d recommend that you   go for the Roth IRA is that the money won’t 
be taxed when you withdraw it in retirement.   The only requirement is that you have to be at 
least 59 years of age. Also keep in mind that,   withdrawal of the retirement amount before 
the retirement age always carries a penalty. Number 8: Stay diversified. Ever heard the proverb, “never put 
all your eggs in one basket”? You see,   this simple proverb has a much deeper 
meaning to it. From a business perspective,   it simply means that you shouldn’t 
invest all your money in one place. I know some people may say that you’ll have 
more if you invest all your money in one place,   but these types of people haven’t really 
thought about your financial security.   It’s not a surprise that some businesses 
fail or that the market falls drastically,   but it’ll be a shock if that happens and you’ve 
put all your money on the losing end.

The best   way to stay safe is by putting your money 
in different investment sectors so that,   in case of a loss, you’ll still 
have something to keep you going. Number 9: Explore passive income ideas If you really want to build your wealth, then you 
need to think more about how you’ll build it even   further. It’s okay if you’ve got a job that pays 
you well, but if you’re being true to yourself,   you should ask yourself, is that all you need? 
I already know the answer to that, so do this.

Find yourself a job that will make you some 
money even as you sleep, something that   doesn’t require your full attention. There are 
plenty of options currently, like blog posting,   marketing, selling digital products and drop 
shipping. The best and most profitable way to   earn a passive income is by investing in real 
estate. Although it sounds like easy money,   passive income jobs also require some serious 
attention and some need very large amounts of   capital, especially at the start.

If you find 
yourself a way to earn some passive income,   I bet you’ll be better off than the 
few who depend on their full-time job. Number 10: Use Robo adviser Managing businesses can sometimes be challenging, 
especially for those who lack all the knowledge.   Luckily, for everyone's sake, nobody should 
struggle with their bond ETFs or IRAs because now   there are specialists for that. The Robo adviser 
simply gathers information for their clients   through online surveys and makes the necessary 
investments on their behalf. Despite the fact   that many people don’t trust these guys, they 
usually make the correct investment decisions. Once you have mastered all these, you can proceed 
and consider the channels rich people follow to   grow their wealth. It makes no difference if you 
have a nice job that pays well. Aim for more! If you found this video interesting, 
you might really like this one,   which talks about way’s in 
which you can double your money. With that being said, thank 
you all so much for watching,   and if you found this video helpful, be 
sure to give it a thumbs up and subscribe   to our channel for more tips on 
how to improve your finances.

Until next time, take care!.

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This Is How To Become A Millionaire: Index Fund Investing for Beginners

hi guys it's mark so did you know if you save two hundred dollars per month at an eight percent annual return then in 45 years you would have over wait for it one million dollars to be honest when someone first explained this was possible by investing in index funds i hardly understood a word they were saying it was like they would speak in a different language today i thought it was about time that i made the video that i wish i'd seen when i was younger and explain everything step by step and because i like people that actually practice what they preach i'm gonna be investing ten thousand dollars of my own money during this video so you can see exactly how it's done just a quick disclaimer though i'm not a financial advisor i'm a businessman and this is just some of the real life strategies that have worked for me personally i always thought of index funds as my backup plan if my businesses hadn't been successful then i would have become a millionaire anyway through these investments just remember if you like the video then smash the like button as it really helps push this video out to more people and also consider subscribing if you want to grow your wealth part one uncovering the lies so let's cut to the chase you've been put a major disadvantage people have been telling you lies about investing all of your life for instance at school when i was growing up i remember asking my teachers about investing and they always said it's just for rich people as they can afford to hire professionals to do it for them for the longest time i believed investing wasn't for me because i wasn't a pro and i didn't have much money and i thought i wouldn't stand a chance then we got friends one of mine said i'd have to look at all the financial newspapers learn how to read the charts and according to him it just wasn't worth my time and on top of this every time i mentioned investing to my family they seemed so scared because they thought it's the most risky thing in the world and not for normal people my dad even said if i started investing i'd lose all my money can you believe that these lies are exactly what the experts want you to believe as they know that index fund investing is extremely easy to do you don't need much money to start the risks are pretty low and on average it will make you more money in the long term the dark truth is that the average actively managed fund returns two percent less a year than the market in general this means that professionals on average are doing worse than index funds and even if they end up losing you money they still charge you fees no matter what now according to my favorite film the matrix you have now taken the red pill and you've woken up to the truth it's now time to move on to part two understanding the game i know when i first started investing i felt like i was going to make so many mistakes but once you understand their language it all becomes so much easier and that's what we're going to be talking about in this part so i've been banging on about index funds in many of my videos so i think it's about time i explained what they are and why they're so cool i'm a big football fan and if you have ever followed any sports you'll be familiar with a league table like this the better your team performs the higher up they'll be on the list but on the other hand if they do really badly they might be removed from the league entirely this is almost exactly the same as an index all you have to do is switch out the teams for companies let's take the s p 500 for example this is a list of the 500 best performing public companies in the usa the big dogs being amazon google apple and more recently tesla and just like a league table if a company doesn't perform well they're at risk of being removed from the list hasta la vista baby the idea of an index fund is to be a little bit sneaky as it allows you to invest in every single company on the list with just one click it's a bit like a friend of mine who picks a different football team each year he just wants to pick the winner every time so investing in index funds means that even if a few companies do terribly then it's balanced out by the companies that are doing extremely well the average return on the s p 500 over the last 10 years has been 13.6 now that is higher than usual but get this no one has ever lost any money if they've bought and held an s p 500 index fund for more than 20 years so if this is so foolproof then why do people still buy individual stocks well personally i like to do this just for a bit of fun i also think that some companies are currently working on awesome technology for the future but aren't making a lot of money at the moment so they won't make the cut into the popular index funds so now and again i like to invest some extra money into these up and coming companies so i don't miss out and that reminds me we bought currently giving away four free individual stocks if you want to pick them up i'll leave the link in the description and for everyone that's outside of the usa or china i'll leave a link where you can claim a free stock with trade in 212.

Hey that's pretty good you'll often hear people throwing around the terms roth ira in the usa stocks and shares isa in the uk tfsa in canada and supers in australia but what does it all mean well these are types of accounts that allow you to earn profits on your investments and you don't have to pay any taxes on them but they generally have limits because they're just so powerful these are kind of like captain america shield so let me explain if captain america just sat at home with his shield then he wouldn't ever get anything done but when he takes that shield into battle he has an advantage so these accounts are like your shield make sure to use them when you're investing a way you can do this is by using the money inside your shielded account to invest into index funds and all the profits will be yours because the government won't take a cut one of my biggest questions when i first started was should i invest all my money at the same time or do it gradually now this is something lots of investors argue about so i'm going to give you my view on things remember later i'm going to be investing this 10 000 in full so that kind of gives you an idea of what i believe investing all your money as a lump sum is certainly more risky however if i'm investing in something i know will increase over time like an s p 500 index fund then there is no point waiting the longer you wait the worse off on average you'll be however if you don't have the cash i wouldn't wait to save up the money i would just invest what i could every month as sometimes you're going to buy when the stocks high other times you're going to buy when the stock's low but overall this is going to balance out and this is known as dollar cost averaging when you log on to an investing website or app you'll see that there is something called etfs which are very similar to index funds and a lot of people get them confused both allow you to invest into a basket of stocks however the easy way to remember the difference is just to think of what etf stands for exchange traded fund if we break that down simply it just means that it can be traded on the stock market throughout the day whereas an index fund can only be bought and sold for a price that is set at the end of each trading day but let's cut to the chase you probably want to know which one's better on average if you're starting with little money then etfs may be a better option as they have lower minimum investment thresholds and many brokers don't charge a trading commission now if you're still watching this and you're younger than 18 then i am really impressed that you've been listening to a boomer like me for so long but seriously not many people learn this at such a young age as they don't teach it at school a way you can start investing under 18 is to open up a custodial account in the usa or a junior stocks and shares iso in the uk set up these accounts you just need to ask your parents the real secret ingredient to this millionaire formula is time and when you're younger you have so much of it that's because every year as you keep adding to your investments the interest starts to compound and grow at a rapid pace it's a snowball effect once you reach a certain tipping point the interest you're making is much more than the amount you're investing on a monthly basis it's a bit like when you see someone take ages to get to a hundred thousand subscribers on youtube and then within a few months they managed to hit the big million the sooner you get started the better as time will be on your side now i want to clear something up when people talk about index funds you will hear s p 500 again and again people just love it as i mentioned before this is a top 500 public companies in the usa but the cool thing is you don't actually have to be in the usa to invest in this i'm in the uk and it's one of my favorite investments i just love to think that i own a small part of all the biggest companies in the usa part three mastering the strategy so lots of people will teach you what to do but they won't actually say how to do it so i'm going to walk you through everything right now while i invest my own ten thousand dollars the first thing to really do is to work out your goals let's say you want to become a millionaire that was one of my goals i just had to work out how much i would actually need to invest per month to achieve this i love using these compound interest calculators you can find them online easily yourself if you want to have a go at this so if you're able to invest 250 dollars per month with an 8 annual return over 42 years you'll have over a million dollars in your account now if you're able to invest that for another 10 years you'll have over 2 million in your account of course if you wanted to invest even more then you're just going to speed up the whole process the next thing we need to do is pick the brokerage website we're using to set up our account and invest the ones that i love are charles swab fidelity and vanguard i call these the big three the founder of vanguard john bogle is often referred to as the father of index fund investing and if you think i'm a boomer he was even older than me his vanguard group gave birth to index funds so they're the oldest and most trusted let's jump onto their website to see what they have to offer so to get onto their full list of funds just go up to invest in and click on vanguard mutual funds at this point i'm going to have to ask you to strap in and brace yourself because if you haven't seen this page before it can look extremely overwhelming but in a minute you'll be able to impress all your friends when you know exactly how to read it see what i mean there are just so many options the main things to focus on are the expense ratio which is how much they're going to charge you per year you obviously want to keep these as low as possible and luckily with vanguard fees these are very low anyway the other thing to look at is the average returns and they break these down nicely on the right hand side of the screen but of course it's always good to remember that past performance doesn't always mean future returns my wife's a bit like vanguard she likes everything in order and nothing out of place so they have arranged all of their funds into different categories so everything is easy to find category one is bonds these are a type of contract that companies and governments sell when they need extra money if you invest in these they promise to pay you back in the future these are often seen as pretty low risk but also pretty low returns therefore the older you are the more bonds you should have in your portfolio number two is balance funds the idea of these is to pick the age at which you wish to retire and they'll do all the rest of the work for you and find the right mix of index funds as you can see these go up in five year intervals and you can pick whichever suits your plans best this could be a good option if you wanted to invest without thinking about it too much but personally i always prefer manually investing it's a bit like driving an automatic car that does all the work for you it just isn't as much fun as a stick shift number three is company location and size known as small medium and large cap here you can find v fix which tracks our old friend the s p 500 this little s means it's one of vanguard selected funds which they recommend if you click on it you're able to see exactly what companies you would be investing in and also the risk level vt sacs is another good one which is a total stock market index fund which has over 3586 different stocks this allows you to invest in the entire usa stock market in one click there is a minimum investment of three thousand dollars again but as before there's also an etf version with no minimum called vti then you have international stocks quite a cool one is emerging markets which invest in companies based in china taiwan india and many more but as you can see this is a five on the risk scale so i wouldn't personally invest a lot of money into this fund because look at me i'm a bit old to be taking too many risk and i need to sleep at night number four the last category is sector based so if you have a particular interest in energy healthcare or real estate you can invest into these sectors and there are also a lot more options for sector investing in the etf so now we've broken down what's on offer hopefully it all looks a bit more understandable now for the moment you've all been waiting for it's time to invest my ten thousand dollars i could split this between lots of different funds but personally i like to invest the majority of my money into american companies i would say probably about seventy percent american 20 in other countries including the uk and ten percent in some bonds i like to keep the bonds quite low as i don't mind this little extra bit of risk because i'm only 53 and i have a bit of time before i've got to rebalance my portfolio to secure my investments but that's a personal choice depending on your risk tolerance the funds that are available are different in every country but the indexes they track are very similar so you may need to invest in a different fund to me but obviously you can still use my percentages as a guide so i'm going to use the uk vanguard site to invest 5k straight into this etf that tracks the s p 500 so here we go all done two thousand dollars is going into an index fund that tracks the total american stock market so again we go on the screen click so far that's 70 invested in the biggest economy in the world which of course is the usa now i like to balance this out by investing in a different economy as i live back in my own country i'm going to be putting 2k into the ftse 100 index fund so looking good all done great now i've invested 90 of my 10k and i'd like a bit of security let's just put the remaining 1k into a global bonds index fund and let's just do that so just like that i've invested in the usa companies like apple amazon tesla and google i own a small piece of the biggest companies in the uk like hsbc bp and unilever and i have some bonds to balance out my portfolio it really is as easy as that so i'm going to leave the next video up here but don't click on it just yet remember to subscribe to the channel if you want to grow your wealth ring that notification bell and smash that like button okay i'll see you on the other side

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401K to Gold IRA Rollover

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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

As found on YouTube

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Do You Pay Taxes On Gold And Silver IRA?

do you pay taxes on gold and silver Ira with a Roth gold and silver Ira your contributions are post-tax meaning you'll pay taxes on the money before depositing it into your IRA account this tax model is different from a traditional IRA which taxes the money upon withdrawal is there capital gains on gold IRA the IRS classifies precious metals such as gold as capital assets and treats them as Collectibles therefore regardless of their forms they are subject to capital gains tax if they are sold after more than one year after purchase what are the current gold Ira tax rules updated for 2022 when you cash out your investment from a gold Ira then you will pay taxes on your gains shortly afterward gold IRAs face additional fees and taxes this includes paying a 10 fee if you withdraw early does the tax code permit you to use self-directed gold Ira accounts While most Ires consist of traditional assets such as stocks and bonds the tax code permits you to use self-directed Ira accounts that allow you to hold precious metals such as gold and silver what are the gold Ira tax rules what are the tax rules for gold IRA what are the tax rules applicable for gold IRA as with other retirement accounts if you take gold out of your IRA before turning 59 and a half you will have to pay income tax on the value of the gold plus a 10 early withdrawal penalty which Ira do you not pay taxes on a traditional IRA is a way to save for retirement that gives you tax advantages generally amounts in your traditional IRA including earnings and gains are not taxed until you take a distribution withdrawal from your IRA at what age do you not have to pay taxes on an IRA age 59 and a half only Roth IRAs offer tax-free withdrawals the income tax was paid when the money was deposited if you withdraw money before age 59 and a half you will have to pay income tax and even a 10 penalty unless you qualify for an exception or are withdrawing Roth contributions but not Roth earnings for a comparison of the best gold Ira company's visit https colon slash slash www.goldira401convesting.com gold Ira company slash click Link in the description below

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What is a precious metals IRA

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