For the sake of current and future teachers - not to mention the kids they serve - K-12 educators and their union representatives would do well to seriously consider the defined contribution model that has served higher education so well.
You might be skeptical of online banks, wondering whether your funds are as safe with a virtual institution as they are with a traditional one; however, all of the online banks listed below are FDIC-insured, meaning your funds are just as protected.
Tisha B'Av fell on the same day as the first TIAA CREF annual meeting since Jewish Voice for Peace initiated a campaign to get TIAA CREF to divest its holdings from companies that profit from Israel's occupation of Palestinian land.
You'd think the stock market's 25% drop from its 2007 peak, not to mention the suspension of matching contributions at scores of 401(k) sponsors, was apocalyptic enough to keep the conspiracy theorists busy. But apparently not.