satisfamily teaching

As a former teacher, I understand that you work hard, wait for summers, make up for lost time over the summer, and then start over. Plus, you get told a lot that you don’t work hard (because of the summers) and you’re overpaid. For some reason, though, it’s still hard to make ends meet. You don’t want to be greedy, but you want to live the life of the professional you are. Here’s some advice on how to do it from someone who’s been there, done that, and watched others get their cut.

 

Wait for the Pendulum to Swing

When the economy is strong and babies are abundant, education is a priority, like right after WWII. Our country put a premium on educating our youth, and the field of teaching benefitted as much as the new school buildings. The pendulum has swung as far as it can go in the opposite direction right now. Citizens are questioning all aspects of that liberal arts education stressed post-WWII, and you have become the universal scapegoat. If only teachers didn’t make so much, we could have better schools. Or, if only teachers taught better, students would learn more and take tests better than those in Asian countries. Everyone wants data, but that’s not what teaches kids. You do, and eventually the public will begin to see what’s been missing in schools. If that coincides with a decade of economic stability or expansion, get ready for a revival of your job. If you’re willing to wait for the good times to return, stop reading now.

 

Coaching or Advising

Most schools pay a little extra for the added nights and weekends of coaching and advising. Sometimes, you make a little more than minimum wage. Other times, you can enjoy near small-town superstar status. My last year involved advising three groups (two were cut when I left) for a whopping $1500. Academic clubs will get you a few hundred bucks, while coaching a D1 sports team will get you several thousand and membership to the Old Boys Club. If I had it to do over, I would have probably worked towards job security on the football field rather than tried to expand student minds with a literary club. Just ask your athletic director or principal what’s available if you want to make a little side cash without having to work too hard to find the job.

 

 

Tutoring

You can work for Sylvan or Tutor Doctor or Varsity Tutors and pick up some extra money. The main problem is that it’s more of the same that makes your life hectic already, and their take is about half of what the parents pay. If you want to get more than half the amount the parents think you're worth, try solo tutoring by listing your own ads or joining a site like Educabana -- use coupon code iknowbrian to get your first year free. The fact is that your teaching skills are valuable, and plenty of parents want to hire qualified students. And, the more that gets taken away from education, the more opportunity will exist for tutors. It’s also so much more enjoyable to teach one-on-one.

 

Join the Dark Side

If you want to double your salary under the guise of helping students, become an administrator. The truth is that many of these folks believe in education, but they are now forced to make the tough decisions no teacher wants to make, like which teacher gets cut next. The good news is that, in theory, you’d only have to work half as many years as an admin as you would have as a teacher to make the same amount of money. The reality is that you’ll now need a bigger house and a new car. And teachers won’t like you anymore, so you’ll lose a lot of friends at work, which means you'll have to go get a dog or something. Another way to join the Dark Side is to become some kind of interventionist or coach or assessor (of teachers). Have fun being more disliked than the superintendent.

 

Selling Lessons

You spent hours and hours making the lessons perfect, and you know that no one else has anything like your worksheet or quiz or entire unit. Sell them! If your district was organized enough, it would be selling units out from under teachers. Luckily, innovative thinking is not a trait of administrators, so you have the right to make a little cash from all those extra hours at home. TeachersPayTeachers is a legitimate site to use in order to sell your life’s work. Start young, however. If you’re a first year teacher, get an account TODAY and list your items immediately. Even $100 a year for a 30-year career is enough to buy yourself a nice watch (that your district WON’T be buying you) for your retirement. Plus, if you get refired instead of retired (like me), you can have residual income from your teaching career as you look for something better. In fact, if I was still teaching today, I'd have a TPT tab open during every prep period in order to add lessons as I create them. You can give some away for free, but the point is for teachers to benefit for the work, so try to charge the minimum of $.95 for most of what you add,

 

Write a Book (or ten)

When I first started teaching, I bought about a dozen self-help teacher books. Some were subject-specific, but most were just ideas that could help a beginning teacher. Maybe you’re a science teacher who’s always had an idea for a short story that used real science fact as a science fiction tale. Use the summers, while you still have them, to work on something that can continue to make some money once you get laid off or retire. Even if you’re not a good writer or don’t like writing, you have a specific skill set and an ability to organize those skills to teach others: in other words, you’re already a non-fiction writer BECAUSE you’re a teacher. It’s free to put your books on Amazon and to promote them on social media outlets. And you never know. My top-selling book is a unit plan for teaching Catcher in the Rye along with Rebel Without a Cause. It has many sales in both Canada and Australia, as well as the US. But your writing, like mine, can be about whatever you want, even if you might know more about education that some other subjects. If you want help putting your files into a book, contact Brian.

 

Start Your Own Business

Whether you mow your retired neighbors’ lawns for cash, work security at local fairs, do some summer roofing, or even start your own web design business, you have skills and you are not a failure because you’re a teacher. The biggest problem is that you’re swamped 10 months out of the year and only have two months to catch your breath. If you can just work through those two months, you might be able to establish enough of a side business that it becomes your real job someday. I’ve talked to teachers who make as much landscaping, roofing, DJing, and more. You have good people, teaching, and organizational skills, and you are not defined by how a bunch of narrow-minded people see you. If you do want to start your own business, it’s worth getting a quote from an honest web designer like Passive Ninja, since your online presence is going to be what makes or breaks your venture after all your family members have already bought your services. Organichic is a new company in Fond du Lac that was just started by a teacher and designed by Passive Ninja. A friend of mine invented the Cranium Hard Screen Protector for 11.6" Acer C720 C720p C740 Chromebook Laptop .

Start Your Own School

No longer far-fetched, you can, in fact, start your own school. Maybe you’ve got ideas as to how to make it more efficient, more educational, or more lucrative for the owner. It’s kind of a Wild West situation in a lot of states right now for creating schools. Give all the kids computers and tell them to stay at home. Make it a boarding school for kids who’d be better off away from home. Voucher schools benefit from lots of grants from conservative groups looking to recreate education. If you want some of this money, you need to go for it now. Don’t wait for all the other for-profit companies to move in to your area.

 

Fix Education

If you can be the one to come up with a way to fix education in America, you can make a lot of money. Since I never had the best luck completing this one, I can’t tell you any more than boarding schools are the best fix for kids who tend to grow up to be thugs and integrating the core subjects does more than just about any other magic bullet people have tried. Besides that, it’s totally up to you, but there’s money to be made. As a side note, if you can just fix the way teachers have to login to a dozen accounts per day, that would do a lot. For example, ONE system that does grades, subs, paystubs, student info, test scores, testing, scheduling, and all the other crap we used every day in different ways. That’s billions. Did you know most of what we use in education is repurposed business software? Get a group of smart teachers and a few programmers together and you can start printing money.

 

Become a Consultant

If you don’t want to actually fix anything but want to promise to fix one thing, then you’d be a good consultant. Teach teachers how to teach. Some school districts bring these clowns in from the outside, while others hire them on the inside as “coaches.” Either way, you’ll double your salary and cut your work in half, without having to offer any measurable improvement. Yes, it should be too good to be true, but it’s not. One of the consultants my school used routinely made $10,000 for a day of speaking, then sold his program (that didn’t work) to schools, and sent out emails to all of us teachers trying to get us to join him for added webinars (that we could all pay for on our own). I’m not saying that every consultant runs a racket, but if you’re going to bother, go ahead and make it a full racket.

 

Relocate

China is always looking for English teachers, and Disney is in charge of a pretty substantial program over there right now. The military might hire you, too. If you have a family and/or care about your safety, some situations might not work, but relocating is a decent option depending on your situation. I looked into Germany or France, but it seems that non-military schools only use European Union folks to teach English in most of Western Europe (where most of us would want to relocate). I found an international school in the Bahamas that was hiring as I was being laid off. They wanted a theatre-type guy, but it might be a legitimate option. I never looked into Canada too much, but I did like the system they had of working four years and taking one off at ⅘ the salary each year. That’s good for writers or B&B owners. I’d heard that military schools are scaling back a bit, but that might be a decent option for you to get out of Dodge.

 

Retire

If you are old, retire. I mean, if you think anyone (students and teachers alike) really appreciate you right now, you’re wrong. The district wants you off their payroll, that kid who got let go last year with the new family needs the money more than you, and you can’t really relate to kids better now that you’re old enough to be their grandma. I saw this way too often in my district: people taking a 30-year position and making it a 40-year position. Just get out and get on with life so that those who understand technology don’t have to come in and show you how to use your gradebook each time you logon. I don’t want to be mean about it, but a major reason for schools running out of money was that teachers got paid so much more towards the “end” of their careers, and then hung on an extra decade. Multiply that by all the Baby-Boomers that were still teaching, and you get the financial situation that led to Act 10 in Wisconsin. Your duty as a teacher is to get out with an early retirement and find something else to occupy your time. Some districts offer “sweeteners” to get you out. That means they don’t want to pay you so much money anymore. If you really love teaching, after 30 years, ask to make what new teachers make again.

 

Blog

You’ve got all the wisdom of one or forty years of teaching, and all your relatives at family gatherings could care less. In fact, they HOPE you talk about something, anything else. However, hundreds of thousands of teachers online are always looking for a little chicken soup for their souls before they start out for another day in the trenches. Write about it. An anecdote a week about your years of teaching. Sure, you could turn it into a book or a cool website, but you could also just use it as a journal. Maybe five people ever will read what you write, but those five people will have wanted to read it, and they might be better teachers because of you. If you want to make money blogging, you’ll want to promote products and try to get some affiliate commissions. For example, if you used a Smartboard that you really liked, and you have an Amazon account, write a lot about it, and then when someone drops $2000 on your promoted smartboard for 100 classrooms, you’ll get about 5% of the sales, or $10,000. Not bad for a blogging, but you probably don’t want to waste your time promoting your favorite pencil.

 

Marry Well

If you’re a young teacher who has not added extra pounds and wrinkles because of the stress, hit the dating scene, and stay out of the office pool. The happiest teachers I knew were the ones married to people who made more than them and could say goodbye to the job at any time. In Wisconsin, when teachers lost most of the benefits that made the career a sensible choice for intelligent people, many of the intelligent people started looking for alternatives. This was a lot easier if there were no part time wives and kids to deal with, or if a spouse was raking in $100,000. And if you’re both teaching, all you can do is go home and complain to each other. So many eligible people are doctors, lawyers, engineers, IT specialists, and architects. Find one of them, not because you’re a golddigger, but because you’re smart and young and available.   

 

The Government

We’re not exactly talking government cheese here. Not exactly. However, the government offers several ways for teachers to make more money by spending less. Unfortunately, none of these government programs benefitted me while I was teaching, but if you’re reading this, you might want to check out what’s available to you. First, the government wants to reward teachers to spend their careers in schools with low-income children. You can get huge chunks of your loans forgiven if you make it well past the standard burnout years of teaching in these schools. A newer program forgives loans for any teacher working a certain number of years AFTER a certain date, which meant I would not have qualified for it until after my loans were all due. More than likely, the government will continue to forgive more and more loans for Millennials and Generation Yers (whiners?)while allowing Baby Boomers to stay retired early, leaving Generation Xers to make up the difference. Go online to find out more about loan forgiveness for teachers or other service positions. These are real and if you are teaching today, you probably will qualify for one eventually. Another use for the government for teachers is in government financial aid. If you are a starting teacher as a the main bread-winner in a family of six, you more than likely qualify for public assistance because you are below the poverty line. The good news is that you don’t have to be fully below the line to get other benefits, so look into what your government offers. Unfortunately, you probably can’t get out of receiving your district’s “Cadillac” healthcare, even though you’d qualify for a better, cheaper Obamacare plan. Oh well, can’t win em all.

Jacksonville News

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Articles, reviews, advice, and legitimate research to go along with some back-handed comments. Think of us as Jacksonville's mother-in-law.
  • Only Way to Avoid The Reverse Mortgage Disaster
    I've seen several news articles about the pitfalls of reverse mortgages. I also saw that we've set up a fund to help people when they get stuck with a reverse mortgage here in Florida. But the simple answer that most older people don't want to hear is that there's only one way to avoid disaster with a reverse mortgage: don't get one.


    The ad that inspired this reverse mortgage article claims that Americans have trillions of dollars just sitting there, not being used. The problem is that a reverse mortgage isn't using that money, either. It's using the house that's worth that money as collateral for a LOAN. It's a loan that needs to be paid off when your house is sold. You can make mistakes and end up losing your house.



    The better advice for anyone already retiredor looking to retire is to sell. I know, you love your house, all the stuff in it, the neighbors you wave at, the same big box retail down the road, and all the stuff in the house. It's basic economics: if you own something outright worth $500,000, sell it for $500,000 and rent a nice condo for 20 years. If you take out a reverse mortgage, then you can get $250,000 towards a condo for 10 years, still pay property taxes and insurance on the house, and continue to maintain it so that in a decade, you'll make enough money to pay off your reverse mortgage loan. New AC, new roof, new driveway? That would all eat into the profit on selling your house that you'll need to cover all the interest on the loan. Don't pay a bank for the right to live in a house for your entire life. Avoid reverse mortgages at all costs.
  • Rental Bikes Aren't Exactly For The Homeless
    Local news was down in St. Augustine covering the newly-proposed use of some kind of bike-share rental system. Since it's standard operating procedure, a homeless man was interviewed about the program. He said something to the effect that it would be good to have options for someone like him who can't afford a bike. FYI local news and homeless people: bike rental programs are not really created for the homeless.




    Since I don't claim to know the biking habits of the typical homeless individual, I'm going to assume it involves getting to a place and then back home. Home being a structure in a field outside of town, not where you'd be able to return the bike for credit. My understanding would be that these folks would need the bike to get to and from "work," each and every day. Based on a similar rental system I found online, the 24-hour rental is $24. Alternatively, an annual pass is $80. The problem is that the trips can only be 60 minutes each. Assuming the homeless camp is close enough to downtown, this might work as a way to get around once in St. Augustine. Not a bad yearly price to not have to worry about bike maintenance, anyhow. If you're homeless already, and now you can get as many maintenance-free trips on a bike as you can use each day, then $80 for the year isn't bad at all.

    But wait, there's less. The yearly pass will need to be paid for with a credit card with a fob mailed to an address. So even if these ride share bikes makes sense to homeless people, it might not be something that can be purchased without the help of someone with credit and an address. It might seem like a lot of people would volunteer to do this, but any extra time or any damage would be billed to the credit card, so I certainly wouldn't volunteer my credit in the hopes that someone else will always return the bike in time (or at all). The Cincinnati bike share, for example, charges $1,200 for a bike that is not returned.

    I have a $1,000 bike. At least someone paid $1,000 for it back in 1986. I picked it up amidst college moving day garbage at UW-Milwaukee back in 1999. It was already worth $0 at that point. I've used some tape to hold it together, but it's still worth about $0. Since I'm probably not the only person in the area with a worthless bike, I'm thinking a bike donation for the homeless might make more sense than saying they should be using tourist bikes. That's not to say that bike shares don't have a place in St. Augustine, just that it might be meant for rich tourists instead of homeless interviewees.