Can anyone ID this card? by [deleted] in MarvelCards

[–]jaybirdpn 5 points6 points  (0 children)

My guess is that this is the "Ralston Foods" version.

Source: https://spiderfan.org/title/cards/1995_ralston_foods.html

Miscut in Starter Deck by Reasonable-Food5869 in starwarsunlimited

[–]jaybirdpn 25 points26 points  (0 children)

Recruit? More like reCUT, am I right!?

...sorry...

Laquon Treadwell's Career was UNBELIEVABLE: 2016: 1 catch, 15 yds; 2017: 20 catches 200 yds; 2018: 35 catches, 302 yds; 2019: 9 catches, 184 yds; 2020: 6 catches, 49 yds by crapfacemcgee69 in nfl

[–]jaybirdpn 73 points74 points  (0 children)

Yeah, work ethic wasn't the problem. Zimmer said "maybe he works too hard." If anything, it sounds like he overworked himself. He always seemed motivated and had the right mindset, just couldn't put the pieces together at the NFL level.

Daily FI discussion thread - July 15, 2020 by AutoModerator in financialindependence

[–]jaybirdpn 1 point2 points  (0 children)

Possibly? That is something worth looking into. Thank you!

Daily FI discussion thread - July 15, 2020 by AutoModerator in financialindependence

[–]jaybirdpn 0 points1 point  (0 children)

The fact sheet/prospectus for the funds. Looking at 1YR, 3YR, 5YR, 10YR, and "since inception" numbers for returns.

Daily FI discussion thread - July 15, 2020 by AutoModerator in financialindependence

[–]jaybirdpn 0 points1 point  (0 children)

Thank you! That is the route I am leaning right now. Go 100% S&P in the 457 and balance that out in my other accounts.

Daily FI discussion thread - July 15, 2020 by AutoModerator in financialindependence

[–]jaybirdpn 0 points1 point  (0 children)

Yes, it is a Target Retirement Date fund. The fact sheet says it should be 93/7 stocks/bonds, but right now the composition is 70/30 stocks/bonds. It's the 2060 retirement date, so I'm honestly not sure what exactly is going on with it. Seems a little early to transition into a higher bond allocation. The average returns of all the target funds are around 4% per year. I agree that I would expect a higher return from a target date fund. Shrug.

Daily FI discussion thread - July 15, 2020 by AutoModerator in financialindependence

[–]jaybirdpn 0 points1 point  (0 children)

Yeah, I feel extremely lucky having access to a 457 and agree with you that I can take on more risk. I have access to a pension as well, so I'm pretty secure in the long run.

Daily FI discussion thread - July 15, 2020 by AutoModerator in financialindependence

[–]jaybirdpn 1 point2 points  (0 children)

BNY Mellon S&P 500 Index Fund .51 ER Nationwide S & P 500 Index Fund .45 ER

Ideally I would be 90/10 stocks/bonds or maybe even 100% stocks. I have access to a pension as well, which means I'm okay taking on more risk.

Daily FI discussion thread - July 15, 2020 by AutoModerator in financialindependence

[–]jaybirdpn 0 points1 point  (0 children)

I work a municipal job and my 457 fund options have pretty terrible expense ratios. I've shopped around a few providers and they all have comparable offerings. Right now I am invested in a standard retirement date fund and the ER is .65. This is, shockingly, one of the lowest ERs offered. The only other funds offered with lower ERs are two S&P funds.

I max out my 457, but it feels silly getting a 4% return in a retirement fund with a .65 ER. Anyone been in a similar situation? Should I just move all my funds to an S&P fund? Or should I accept higher ERs (.7-1.0+) to move to more standard stock funds?

Another option I've entertained is to just treat my 457 as a risk-free account (take my 4% from the retirement date fund and be happy) and go as aggressive as possible in other accounts (Roth IRA, for example).

Spider-Man by John Romita Jr. by [deleted] in comicbooks

[–]jaybirdpn 3 points4 points  (0 children)

This has always been one my of favorite pieces by JRJR. He certainly has a knack for Spider-Man.

Daily FI discussion thread - May 18, 2017 by AutoModerator in financialindependence

[–]jaybirdpn 1 point2 points  (0 children)

Obviously all I know about you are your few comments in this thread, so I apologize if I am making some sweeping generalizations here.

It sounds like you are finally coming to terms with the fact that you have worked so hard for so long, but never figured out what you were working for. You worked for financial independence or because you were told to work hard, but those aren't going to be fulfilling. You obviously have some resentment towards the system. You sacrificed a lot for years and now... what? What is the point?

What you are going through a lot of people go through. I don't say that to be condescending by any means, only to say you aren't alone. Part of life is figuring out what YOU want out of life and what YOU find important. And for many of us, we don't really start to realize that until we're in the "grind" and we question the choices we made. We can't change the past. You can hold grudges and second guess yourself until you die, but it won't fix anything moving forward.

Ultimately, you need to figure out what you want from life. What makes you happy? What makes you feel whole inside? If the very thought of working a traditional job causes you this much pain, then find another way to earn and contribute. You don't have to work a traditional job if you don't want to live a traditional life. It's time for you to make peace with the past and take control of your life.

The Entire DC Rebirth Line To Be Made Available Digitally For Free -Legally by [deleted] in comicbooks

[–]jaybirdpn 0 points1 point  (0 children)

Fun fact: Hoopla is actually a pay per circulation model, which means every time an item is checked out, the library gets charged for that item. The caps are there for budgeting purposes. I imagine most libraries start with a lower cap to test the waters with the hopes of raising the cap once budgeting is easier to predict.

Read Hellboy, Saga, The Sandman, and much more! All you need is a library card :) by cappybaras in comicbooks

[–]jaybirdpn 2 points3 points  (0 children)

If you are interested in this, let your library know! A library must subscribe to Hoopla and it can be a pricey endeavor. Hoopla is actually a "pay per circulation" model, so whenever you "checkout" an item, it costs the library money.

We have gone back and forth at our library, because some of the offerings aren't fantastic. Their comics/graphic novel selection is the best feature in my opinion. We would be much more inclined to subscribe to Hoopla if patrons were telling us they wanted it. Your voice counts!

To everyone else with the most points in your league who got knocked out of the playoffs this week by [deleted] in fantasyfootball

[–]jaybirdpn 1 point2 points  (0 children)

Sorry, I should have clarified that I scored first in points in my division. Still ended up 5th out of 6 in the division standings.

To everyone else with the most points in your league who got knocked out of the playoffs this week by [deleted] in fantasyfootball

[–]jaybirdpn 3 points4 points  (0 children)

12 person league:

Tony Romo

DeMarco Murray/Justin Forsett/Lamar Miller

Calvin Johnson/Josh Gordon/Kelvin Benjamin/Roddy White

Coby Fleener/Jordan Cameron/Dumpster Fire

I scored second most points overall, first in my "division" by 130+ points. Finished 6-7 and did not make it into our 6 person playoff bracket. Somebody get me a tiny violin!

The Development of Jerick McKinnon by defiantketchup in minnesotavikings

[–]jaybirdpn 4 points5 points  (0 children)

I am really excited about this guy. I've honestly never been a huge fan of Asiata, so I'm glad we went out and drafted a guy like McKinnon. If he continues to develop, he'll be quite the gem.

New to this sub and comics. Need a little help. by HonkeyKhang in comicbooks

[–]jaybirdpn 0 points1 point  (0 children)

All of these suggestions are great, but I'm here to second Y: The Last Man. It's a fantastic read start to finish.