I am generally a fairly astute about our finances. I have been Foolish forsome time now and we have paid off almost all of our $20,000 credit card debtof in the 3 years we have been married (thanks Fools!!). I have my 401K maxed and am looking into different IRAs for me and the Misses. I have educated myself on my 401K to the point that people skip HR and come to me with questions. ( I answer and then tell them to confirm with HR) We use Quicken to track our daily finances and have budgets, etc. Foolish to a fault.Why am I writing then? My wife has taken a teaching position in Ohio. Now we have an STRS or ARP to choose from for her. My wife is 29 this year and I will be 31 shortly. She will work to about 55-60 or so (best guess), but most likely not at the same college. She is teaching at a 2 year school now, but will have her Masters in about 3 years or so and can then teach in a bachelors program.I feel like the emperor that has just found out about his new clothes! I feelnaked and foolish because I have no clue what I am doing in this area. Somepreliminary studying has only clouded the waters.STRS/PERS vs. ARPI was able to find some info about the STRS. It seems to be basically a pensiontype plan based upon years of service, salary, etc. and offers other benefitslike health care, disability, survivor benefits, etc.PERS (still researching)The ARP providers given seem to be little more than the ability to invest in some annuities. Doh!Now what? The Fool doesn't seem to have much on the STRS vs. ARP. Canyou at least point me in the right direction?Thanks,Gonelong
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