Kansas City Jackson County Missouri 816

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Kansas City Jackson County Missouri 816

April 16, 2026
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Missouri

Teacher Pensions

April 15, 2026
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Teacher pension funds, typically defined-benefit plans, were designed decades ago for stable, lifelong careers in one state or district. They fail to prepare for modern 50+ year careers (spanning multiple jobs, states, or even professions) due to structural flaws.  They also buy the bonds that finance the construction of buildings where the teachers work.

Benefits are heavily backloaded: little value accrues early in a career, with most wealth spiking only after 20–30 years tied to final average salary and service years. Teachers leaving before vesting (often 5–10 years) get back only their contributions, sometimes with minimal interest — no employer match.

Portability is poor; pensions rarely transfer across state lines, penalizing mobility. Many teachers never reach full benefits, as turnover is high — over half leave before qualifying for meaningful payouts, while plans assume only a minority stay long-term.

Early retirement incentives (often after 25–30 years) encourage exiting in one’s 50s, not sustaining decades-long work. Unfunded liabilities divert contributions to debt rather than future benefits. Overall, these systems reward narrow, traditional paths but leave flexible, long careers underprepared, forcing reliance on personal savings or Social Security where available.

The Teachers Insurance and Annuity Association (TIAA) was founded in 1918 by philanthropist Andrew Carnegie through the Carnegie Foundation for the Advancement of Teaching. In 1905, Carnegie had established a free pension system for college professors, but it proved unsustainable as higher education expanded rapidly. To create a permanent, portable solution, the Foundation launched TIAA as a nonprofit life insurance company, with Carnegie Corporation providing a $1 million endowment.

TIAA offered contributory, fully funded annuities where both employers and employees shared costs, ensuring secure retirement income for educators—predating Social Security. In 1952, it added CREF (College Retirement Equities Fund), the first variable annuity, to combat inflation. This innovative model focused on lifetime income for those serving academia.

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Fidelity does not offer a traditional “teacher pension plan.” Instead, it provides 403(b) retirement savings plans, which are the most common supplemental retirement option for K-12 teachers and higher-education employees across the USA.A 403(b) plan allows educators to contribute a portion of their salary on a pre-tax basis (or Roth after-tax), reducing current taxable income while building retirement savings. Contributions grow tax-deferred, and investments can include mutual funds, target-date funds, and other options managed through Fidelity.

Unlike state teacher pensions (defined benefit), Fidelity’s 403(b) is a defined contribution plan — the final amount depends on contributions and investment performance. It supplements a teacher’s primary state pension and Social Security.

Fidelity is one of the largest and most respected 403(b) providers, known for low-cost investment options and strong online tools. Availability depends on whether your school district has selected Fidelity as an approved vendor.

Structural Standards for Steel Antenna Towers and Antenna Supporting Structures

April 15, 2026
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NEC & NESC Crosswalk

April 14, 2026
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Eggs Benedict & Cowboy Coffee

April 14, 2026
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Standards Wyoming | Kitchen Standards

“A Social Critique of the Judgement of Taste” — Pierre Bourdieu, Harvard University Press 1984

Cowboy Coffee | Appetite for Knowledge

Vicki Hayman, University of Wyoming Extension Nutrition Educator, explains how to put together an English muffin, poached egg, Canadian bacon, and a homemade hollandaise sauce named after Lemuel Benedict, a Wall Street banker who, in 1894, ordered a hangover remedy at the Waldorf Hotel in New York. He requested buttered toast, poached eggs, crisp bacon, and hollandaise sauce.

The hotel’s maître d’hôtel, Oscar Tschirky, was impressed and adapted the dish for the menu, swapping bacon for ham and toast for an English muffin, naming it Eggs Benedict in his honor. Another claim links it to Commodore E.C. Benedict, but the Lemuel story is more widely accepted. The dish’s luxurious combination of poached eggs, ham, English muffin, and hollandaise sauce cemented its fame as a breakfast classic.

 

Anglosphere colleges have not always been settings for the Ideological Gatekeepers that persist in lording over higher education; despite recent federal legislation chipping away at their hegemony.  Until the 1960’s  far more colleges were conservative or traditionalist in their political and cultural leanings for much of their history; though exceptions were satirized in Jonathan Swift’s ‘Gulliver’s Travels’.

Historical Context in the UK

  • Oxford and Cambridge (founded in the Middle Ages) were long seen as bastions of tradition, Anglicanism, and Tory/conservative values. In the 19th century, Oxford undergraduates were predominantly Tory. They emphasized classical education, hierarchy, and continuity with British institutions.
  • They produced many Conservative leaders and maintained strong ties to the establishment.

United States

  • Early colonial colleges (Harvard 1636, Yale, Princeton, etc.) were founded with Protestant religious missions to train clergy and gentlemen, instilling traditional moral and classical values. They were socially and culturally conservative by design.
  • Into the early–mid 20th century, many elite universities maintained conservative social norms. Faculty surveys from the 1950s showed more balance (or moderate lean) compared to today.
  • The 1950s–early 1960s featured active conservative student groups even on liberal campuses. The broad institutional culture was more aligned with tradition before the 1960s “counterculture” (which doesn’t mean there wasn’t religious and racial discrimination).

Canada, Australia, and Broader Anglosphere

Canadian and Australian universities historically reflected British traditions and were not uniformly left-leaning. Overall, universities across the Anglosphere were shaped by religious foundations, elite reproduction, and classical education traditions that prioritized stability, hierarchy, and Western heritage.

Summa: Anglosphere colleges were frequently “conservative” (traditionalist, establishment-oriented) for centuries. The perception — and the fact of them — as inherently left-wing is largely a post-1960s phenomenon; elevated from the large central government aspirations of  Democrat and 36th US President Lyndon B. Johnson, himself a school teacher, through his signature legislation (Higher Education Act of 1965).  It has been an uphill battle ever since for families seeking to convey loyalty to traditions of personal responsibility, religious tolerance, limited government, and fiscal conservatism to the next generation.

Impossible Brunch Pie

April 13, 2026
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Welcome | Extension | Standards North Dakota | Campus Master Plan

Click Image for Recipe

North Dakota State University | Fargo County

❤️ Homophily North Dakota ❤️

The Liberals are Coming and They’re Bringing Fancy Coffee | Kristin B. Tate

North Dakota has a strong rural, conservative identity* that many residents value, and concerns about preserving that amid population shifts are common. While discouraging specific groups based on politics could veer into unethical or illegal territory, here are some legal, community-focused strategies citizens might use to emphasize the state’s unique character and potentially make it less appealing to those seeking urban amenities or progressive policies that destroyed the cities they flee.

  • Advocate for policies that reinforce rural priorities
    Residents can lobby for state laws that prioritize agriculture, energy production (like oil and coal), and low-density development. For example, supporting zoning restrictions that limit high-rise buildings or large-scale urban sprawl could maintain the open spaces and small-town feel.
  • Promote cultural and lifestyle differences publicly
    Through social media, local newspapers, or community forums, highlight the realities of North Dakota life—harsh winters, limited public transit, fewer entertainment options, and a focus on self-reliance. Sharing stories or campaigns about why urban transplants might struggle can naturally filter out those expecting city conveniences.
  • Strengthen local conservative networks
    Organize or join groups like the North Dakota Republican Party, farm bureaus, or hunting/fishing clubs to amplify voices on issues like Second Amendment rights, low taxes, and minimal government intervention. Hosting events that celebrate these values might signal to potential movers that the political climate leans heavily one way.
  • Support economic incentives tied to traditional industries
    Push for tax breaks or programs that favor farming, ranching, and fossil fuels over tech or service sectors that attract urban professionals. This could slow the influx of people seeking remote work opportunities in “progressive” fields.
  • Engage in voter initiatives and education
    Citizens can campaign for ballot measures that protect against perceived urban influences, such as limits on property taxes or environmental regulations. Educating newcomers on local customs and expectations through welcome packets or town halls could also subtly encourage those who don’t align to reconsider.

Keep in mind that migration is often driven by jobs, family, or quality of life, and North Dakota has seen growth from various sources. If the goal is preservation rather than exclusion, focusing on positive community building might be more effective than deterrence.
*Personal responsibility, limited government, fiscal parsimony

Homeschool Uniforms

April 13, 2026
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Here are direct links to the articles and blog posts I mentioned (or very close matches where the exact title varied slightly but the content aligns perfectly):

College

Health Sciences Research Building

April 13, 2026
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Statement of Net Position 2024 $850.1 (2024) | Board of Governors

Rendering of the Health Sciences Research Building

Michigan Southeast | Wayne County

New Wayne State University Athletic Fieldhouse

Anthem “Seven Nation Army”

Embalming Arts

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