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Jul
17th
Thu
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Jul
15th
Tue
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Help with 55/25

Hi Everyone, 

I’ve been thinking about opting into the 55/25 program and am unsure about the drawbacks in doing so.  I found the following excerpt (below) but don’t know of any other tradeoffs.  If you have any other info, it would be great to hear from you.  Thanks!

Sonali 

27. If I opt into the 55/25 program and I retire at age 55 with 25 years of service, will I receive the same pension as someone who retires at age 55 with 30 years of service?

No, the size of your pension is based on your final average salary and your years of service so a member who has 30 years of service will retire with a larger pension.

What is not being taken into account is that the pension with 25 years of service is 10% less than the pension with 30 years. A teacher with 25 years of service receives 50% of their 3 highest years average, while a teacher with 30 years will receive 60% not taking into account any pay raises.

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Jul
14th
Mon
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20 questions about me and the world

jmiele:

I really like your questions.  There is a transcendental meditation (TM) center in the financial district in manhattan.  When I took the TM course by the organization, the cost was about $2000 less than it is now!  If you are ever able to afford the class, I highly recommend it.  My parents gave me the course a present, so I had to attend.  I was really skeptical and I decided to share my thoughts with the instructor.  She told me that the meditation work with or without belief, and of course, I didn’t believe her.  But I actually did get a lot out of it. Good luck with your journey!

10 Questions about Myself

How do I create a spiritual practice? Where do I begin?

How do I stick to my spiritual practice once I’ve created it?!

How can prayer change my life?

How do I write my prayers?

Who do I pray to?

What are the tools I need for my spiritual practice? Like, what should I put on my altar? What do I need with me in prayer?

How can I use prayer to shift my energy and elevate the “vibration” I send out into the world (and with which I surround myself)?

How can I learn to respond better to events and people in my life so that I’m creating more good karma than bad?!

How can use prayer to heal?

How can use prayer to know, accept, and strengthen myself?

How can prayer help strengthen my work with others?

10 Questions about the World

What are the central tenets of Buddhism?

Who are its major current “leaders”?

What are the everyday practices of Buddhists?

How do “real” Buddhists pray? What are their prayer practices?

What is karma? And how does it really work?

How do you work through bad karma in this lifetime?

Where can I find the nearest Buddhist retreat center/beginning classes in mediation?

Where can I find a prayer group?

Does prayer really work?

What is faith, really? How do I cultivate it?