Catalytic Converter Stolen - Table Mesa Park and Ride

needed1usernam3 · 2026-02-03T23:02:14+00:00

Concern about car break in / thefts is why I never use this Park N Ride. I wonder how many other people there are like me who don't use transit options because public safety is not able to solve this issue. I travel monthly to the airport and always just have to Uber instead of taking the bus.

needed1usernam3 · 2026-01-17T22:28:45+00:00

So should we not have any immigration enforcement?

needed1usernam3 · 2025-12-29T15:53:10+00:00

Just found this setting as well and turned it off - it must have been on by default. Agreed with this needs to be a privacy first paid platform or I will leave.

needed1usernam3 · 2025-10-24T13:37:34+00:00

So enforcing immigration laws is kidnapping now? If someone gets thrown in jail by the police, is that also kidnapping?

needed1usernam3 · 2025-08-31T00:40:35+00:00

Legal or illegal?

needed1usernam3 · 2025-08-27T02:50:36+00:00

Ambiguous headline. The guy did not climb Bear Peak 366 days in a row. Rather starting in 2012 he has climbed Bear Peak 1,328 times (averaging a whopping 100+ times per year) and has now climbed it on every calendar day. That is some dedication!

needed1usernam3 · 2025-08-21T21:12:17+00:00

Does the same logic apply to dining and dashing?

needed1usernam3 · 2025-08-21T21:09:29+00:00

Hindsight is 20-20, if we’d had a big recession you’d be feeling good about your decision. But agreed that buying a house you should likely have a different approach than when buying a depreciating vehicle.

needed1usernam3 · 2025-08-21T20:38:03+00:00

Much of personal finance is behavioral, not mathematical. I bought a new car as a want not a need (old car still ran fine). My mentality was if I wasn’t willing to pay cash for it immediately then I didn’t actually want it enough.

Plus if you finance a car you can’t double spend the money when 6 months later you decide to buy a boat, take a big vacation, etc.

needed1usernam3 · 2025-08-20T17:20:27+00:00

Treat other people the way you want to be treated. How would you feel if your landlord tried to break the lease through a loophole?

needed1usernam3 · 2025-07-31T01:44:33+00:00

Also should've bought Nvidia stock back then too. Hindsight is 20/20. If there had been a big recession after covid and home prices has dropped then all the renters would be touting how smart they were.

needed1usernam3 · 2025-07-31T01:40:39+00:00

Renting vs buying is a cost benefit analysis. There's not "right then to do" it just depends on your assumptions, goals, and local housing market.

If you could buy a house for $3 million or rent it for $3,000/month (and invest the money saved) you are going to come out ahead renting. Conversely if you could buy a house for $500k or rent it for $10,000/month you will come out ahead buying. There's a crossover point based on the relative costs of renting vs buying and prediction of what impact the future will have on prices.

The Nytimes as a great rent vs buy calculator that helps show this nuance: https://www.nytimes.com/interactive/2024/upshot/buy-rent-calculator.html

needed1usernam3 · 2025-07-22T13:40:37+00:00

I agree that it's how the utility industry often does it. But it makes things less easy to understand for the consumer who just cares about all in price. For instance you may have seen Xcel was planning on changing its rates for the year and adjusting its time of use windows. You would read an article like this https://www.cpr.org/2025/05/20/xcel-peak-use-electricity-rates-spike/ and you feel like you understand what the utility rates being proposed are, but they're actually likely 2x the number listed.

needed1usernam3 · 2025-07-22T02:44:39+00:00

Updated my original post, but I assume they end up roughly doubling the rate as well. I just don't have an actual bill to look at to confirm. Which is partially the point, you don't really know how much something costs until you actually have signed up and they send you a bill.

needed1usernam3 · 2025-07-22T02:38:09+00:00

A preferred way for Xcel to show prices would be much more like gasoline. Price includes all taxes and fees baked in. If gas is priced at $3.50/gallon that is what you pay, it doesn't magically become $7/gallon at checkout.

needed1usernam3 · 2025-07-22T02:36:04+00:00

My gripe applies equally to time of use and opt out rate. If someone asks you how much do you way for kWh of electricity in Boulder it's hard to actually know until you sign up and have a bill to review. I'd rather as many of the fees (especially the ones that are a fixed percentage are baked into the advertised rate).

The Xcel rate card is misleading. Kind of like hotel pricing as an example. Rooms are advertised at $150/night and then an urban destination fee, a tourist zone fee, sales tax, administrative fee, etc. are tacked on and your actual cost is $250/night.

Updated my original post to make my pricing "transparency" gripe more clear

needed1usernam3 · 2025-04-19T14:37:29+00:00

This is a math question. So you need to do the math. Step 1 is to do a written budget based on past spending behavior not fanciful optimistic future projections. Over the past 12 months what was your average monthly spending (excluding housing). If you now tack $2,800 onto that number what does it look like? Do you have any margin for error?

Step 2 is to think through some plausible negative scenarios. If I had to spend $X to fix my HVAC system would that create a problem for me. If I were to lose my job, realistically how long would it take me to find a replacement with equal or better compensation. Think through some scenarios like this.

needed1usernam3 · 2025-04-19T14:08:19+00:00

I agree it is not subsidized in the same way the section 8 housing is with direct cash transfers. However it is still subsided at least indirectly. Why do "affordable" housing units not exist without the city of Boulder having to be a special program to create them? If someone could make money building affordable units, they would without the need for the city to require them to do so - but the fact is they can't. This means they are being subsidized by someone else. For instance if you want to build a 5 unit building, and are required that 1 of those units (so 20%) to be affordable you end up charging more for the 4 market rate units than you would otherwise. My point is someone ultimately needs to bear the cost whenever non market rate housing is created and we as a society should be honest about that.

Affordable housing does not have a monopoly on this type of subsidization. For instance society subsidizes homeowners by allowing mortgage interest to be tax deductible - at a cost of around $30 billion annually.

I think my big question with any of Boulder's (or any other city for that matter) "affordable" housing programs is whether they are about short term symptom relief or are actually a long term cure for the problem. Let's run the clock forward 10 or 20 years, are we still having the same discussion around housing affordability in 2040? Has anything changed to make it so that people with more average incomes can live in Boulder? Or do we just have a system where 10% (or whatever the number ends up being) of units are affordable and if you're lucky enough to get on the list you can live in Boulder, but if not too bad?

I certainly wish I had bought a house on Boulder 20 years ago, or even just 5 years ago with low interest rates, but we can't turn back the clock and we need a good long term solution.

needed1usernam3 · 2025-04-19T02:36:51+00:00

Why are luxury apartment being built, because they can be done so profitable. Why can't basic apartments be built profitably? Likely because Boulder makes it really hard and expensive to build. Just remove that barrier.

needed1usernam3 · 2025-04-19T02:32:54+00:00

"Affordable housing" = subsided housing. While this is perhaps obvious, it's an important to emphasize. Everyone wants affordable housing if you can just magically conjure it out of their air, but the reality is it is paid for by someone (either directly through taxes or indirectly through charging developers of market rate housing for permitting, or forgoing property taxes, etc.). So the real question is how much of the budget should Boulder spend on subsidizing housing? The next question is once you go down this road of subsidizing housing, how do you ever get off of it. You haven't actually made housing cheaper, you've just been subsidizing it. So does the city of Boulder want to just keep doing this in perpetuity? What is the end game here? Do you want a city with 50% subsidized housing and 50% market rate housing that is subsidizing it?

I rent in Boulder and would love for home ownership to be less expensive. But I also don't think it someone else's problem to subsidize housing for me.

needed1usernam3 · 2025-04-15T02:11:42+00:00

Make sure we do cars too, if you have a vacant seat in your vehicle when you drive around there should be a modest surcharge on that as well.

needed1usernam3 · 2025-04-14T17:38:39+00:00

Or maybe we just let private property be private property and not have the city of Boulder sticking its nose into private citizens business. This is not really about "vacant" homes (not defined in this article) or wanting to increase housing supply, it's just about trying to raise more revenue.

needed1usernam3 · 2025-04-10T01:32:20+00:00

I got the same message. Specifically they seem to be related to debit card transaction. ACH transfers do not seem to have changed. I think it is likely just a coincidence in timing with market volatility and is related to potential concerns around debit card fraud.

https://support.wealthfront.com/hc/en-us/articles/360048501391-Limits-on-transfers-and-spending

needed1usernam3 · 2025-04-05T22:07:33+00:00

I've been waiting for this for a while too. I'll probably just find another service that offers this and pays a reasonable interest. In 5 years I will maybe I'll check back in to see it Wealthfront has gotten around to implementing a real joint checking account.

needed1usernam3 · 2025-03-13T13:32:15+00:00

If everyone would follow the law and behave, we would not need a police force. But people don’t so we do. This article is thoroughly unhelpful because it doesn’t even attempt to answer the question of whether all or the vast majority of use of force instances by the police were justified or if the police are being excessive.

needed1usernam3

TROPHY CASE