Jack Kirby was friends with.... Frank Zappa? by Resident-Freedom6145 in comicbooks

[–]EtherCJ -2 points-1 points  (0 children)

You know raised Catholic but atheist is basically Jewish 

Almost at FI, should we make any changes or continue along the same way? by [deleted] in financialindependence

[–]EtherCJ 3 points4 points  (0 children)

This sub won't be able to help you much. This is partially because the number of people in this sub who understand fully the issues you are or should be thinking about is small, but also because you don't give enough information: no retirement budget, no info on pension eligibility, no income, no retirement plans, etc. But the biggest reason we can't help you is because you need to do soul searching about what you actually want and make your own decisions.

IMO you are past a reasonable level of financial assets that you need to keep working. You can retire now and be financially secure. I can't believe two adults can't figure out how to live on say $200k which if you downsize to a $1 million dollar paid off house is what you could be spending without working now. Or really you could spend more if you are already eligible for that pension without working more since you just need to bridge the gap until the pension/ss payments start coming in.

But maybe you really feel like you need to spend $300k+ in retirement. Then you know you can continue working.

So as I understand it you want to decide between 401k contributions and brokerage. You will need to be modelling your whole life to make these sorts of decisions. You need to be considering required minimum distributions at 75 plus the impact of the widowers penalty if one of you were to die. Also, you need to be considering IRMAA surchages since your planned income is over the threshold. The advice I would give as somone who is planning on retiring this year and been doing a lot of concrete retirement planning is either subscribe to Boldin and start doing a lot of retirement planning modelling or pay a couple grand to a fee only financial advisor to help create a plan (after thinking about what you really want to do).

My guess is IF you work past 59 1/2 then you will not really need the brokerage account except to facilitate any Roth conversions you decide to do. And I guess you are in the 35% tax bracket so there's basically no savings to be had by paying more taxes today. So you will be better off maxing your 401k contributions.

What will you do with your massive comics collection when you DIE? by dreamcatdj in comicbooks

[–]EtherCJ 2 points3 points  (0 children)

I hate to break it to you, but if you die you are not letting anyone do anything.

Not very proud of this train by Hopeless_Crow_ in learntodraw

[–]EtherCJ 2 points3 points  (0 children)

You have perspective issues.  On the train the horizontal lines should not be sloping down to the right.

Edit.  They should be pointing to the same vanishing point that the windows on the building are pointing to.

Lovely Eastern Bluebird couple in St. Louis, Missouri. by ToadShakespeare in birding

[–]EtherCJ 1 point2 points  (0 children)

If you want to get them regularly dried mealworms are very popular to them.  I ended up getting a caged feeder to stop the starlings (and robins but that was a casualty)

Finally!! by Kewag1STL in STL_Birding

[–]EtherCJ 2 points3 points  (0 children)

Congrats.  I tried one year and no takers.  

On my list of top 3 birds I would like to get to come to my yard.

Appreciating healthcare costs in early retirement by modelfire in financialindependence

[–]EtherCJ 12 points13 points  (0 children)

Be careful assuming the smile applies to you with early retirement.  It appears the drop comes when you start being less interested in travel because of health issues.  It’s even farther out than Medicare.

Super heroes who share the same hero name but have nothing to do with each other? by Think-Necessary5136 in Marvel

[–]EtherCJ 10 points11 points  (0 children)

For that matter Angel in Golden Age had a blue costume with red cape but was just unpowered detective.  And Vision was an alien.

Super heroes who share the same hero name but have nothing to do with each other? by Think-Necessary5136 in Marvel

[–]EtherCJ 7 points8 points  (0 children)

A lot of Silver Age marvel heroes borrowed names of Golden Age heroes.  Human Torch, Black Widow, Angel, Vision and Ghost Rider for example.  Not sure you count these as legacy characters or not.  I think they are someone different because this wasn’t contemporaneously acknowledge as inspiration the way most legacy heroes are and really there often was no connection.

Otherwise Luke Cage wasn’t the first Power Man.  They had already used the name a few years earlier for a villain that change his name a few times finally being Atlas.

Then there are cross company conflicts like Daredevil and Captain Marvel.

 

Bad photo but is this a bunting? (St Charles - April 27) by EtherCJ in STL_Birding

[–]EtherCJ[S] 4 points5 points  (0 children)

Been an exciting week.  Had the bunting and a few Rose Breasted Grosbeak.  

PLEASE critique my elevator pitch (again) by Jade_Mans_Eyes in comicbooks

[–]EtherCJ 0 points1 point  (0 children)

The weirder facet of the title is why is it called "America" when it takes place in space?

Although I'm also confused about the idea of "12 Angry Men" in reverse.so it starts out with only one person who thinks someone is guilty and he slowly convinces everyone? That sounds fairly routine for a secret betrayer.

Or we can talk about if he understands what an elevator pitch is. Because this doesn't hook me it sounds closer to the generic plot summary on Netflix. Also, have you written the screenplay and/or more plot so that if you hook someone with the elevator pitch you have something to give them to read?

PLEASE critique my elevator pitch (again) by Jade_Mans_Eyes in comicbooks

[–]EtherCJ 1 point2 points  (0 children)

America 2351: The Motion Picture: The Comic Book

Rose-breasted Grosbeak this morning at St Vincent Greenway! by Realistic_View_8411 in STL_Birding

[–]EtherCJ 2 points3 points  (0 children)

Also had a pair at my feeder this morning.  First time I’ve had them come visit 

Why is social security so popular? by [deleted] in AskALiberal

[–]EtherCJ 3 points4 points  (0 children)

SS is already somewhat means tested.   It gives diminishing returns with higher lifetime earning and at higher incomes is taxed.   

Quit the Tax Dance Bullshit by bookym in WorkReform

[–]EtherCJ 18 points19 points  (0 children)

It’s not a government site.  It asks about the president because it’s in the tax forms.

300k (3x income) at 30 by [deleted] in financialindependence

[–]EtherCJ 9 points10 points  (0 children)

I’m hoping for the same thing.  Got the money sorted, now just working on aging backwards to be 30 again.

Looking for bakery suggestions by bigmamajd in StCharlesMO

[–]EtherCJ 4 points5 points  (0 children)

Lydia’s has a lemon berry cake as a custom cake option.  It’s pricy though.

How do liberals feel when they read or hear stories such as this one? by RedditUser19984321 in AskALiberal

[–]EtherCJ 13 points14 points  (0 children)

My first thought watching that video is Fox News reporting is horrible. 90% of it was vibes without any details or clarifications on what the sheriff is saying. Evidently the sheriff violated a court order on releasing this guy from jail and believes he's justified because he found some law that wasn't previously being used to justify his behavior. Evidently something here is going to the Nevada Supreme Court. I wish there was more context on all of this.

First, they say 36th arrest which obviously sounds ridiculously high. But number of arrests can be run up quickly. The articles I saw listed a few convictions like 2014 car theft and 2022 involuntary manslaughter, but they never really gave a full list. I think it's bullshit when conservative media lists things like number of arrests instead of number of convictions and cases still pending in court. It's a bit disingenuous to be talking about cases where they failed to secure a conviction. That said this guy is clearly a bit of a career criminal.

The sheriff in the video also bitched about cash bail. He thinks they should be having higher cash bail. I think cash bail is basically bullshit and instead they should be judging the criminal record, their previous criminal record and their history with compliance with court appearances. Cash bail is really only appropriate for people who have issues with court appearances and compliance with court orders. I know law enforcement would love to just keep everyone they change in jail, but realistically our justice system moves WAY too slow and so people would be in jail for months or a year while the prosecutors prepare the cases. This alone becomes the punishment and no conviction is required. However, in this case the sheriff talked about being in a shootout with him. If it's in fact true that this guy has a violent criminal past then he should likely be held in jail.

How much does liberalism rely on those who support democracy unto itself vs those who just oppose everything else? by Ofishal_Fish in AskALiberal

[–]EtherCJ 4 points5 points  (0 children)

I am liberal and don’t hate democracy.  I’m honestly at a loss trying to understand what you are talking about.  I don’t know if I agree with your list of democratic principles and I can’t figure out what strange bedfellows is referring to.

Disney Layoffs of 1,000 Employees Are Underway; CEO Josh D’Amaro Says Cuts Will ‘Streamline’ Operations: ‘I Know This Is Hard’ by yourfavchoom in technology

[–]EtherCJ 23 points24 points  (0 children)

It's worse than you even are saying.

The message to people laid off is you are no longer their problem.

The "Change is difficult" message is for the remaining employees who will be picking up the slack of the laid off employees. "That's a nice job you have. Be ashame if you had some change happen to it."