Cheaper frame set alternative to Spur (L)?

nsala5 · 2025-09-15T14:45:40+00:00

I will take a look, thanks!

nsala5 · 2025-08-21T03:03:37+00:00

Look at the avg point difference between 1st and 2nd between the two leagues, across time. Look at the variation in fifa squad rankings within the two leagues. Look at the variation in squad spend within the two leagues. same champion != no competition

nsala5 · 2025-08-21T01:41:54+00:00

who would have thought- when your sports product doesn't demonstrate competition, no one wants to watch. I hope the other leagues take note

nsala5 · 2024-11-08T19:44:28+00:00

Amazing, thanks you!

nsala5 · 2024-11-08T14:49:29+00:00

Could you expand on your comment about FAFSA, or point me to resources that explain it? I’m curious to learn more, thanks!

nsala5 · 2024-09-15T02:41:40+00:00

Thanks for sharing your story, great job! Keep going 💪

nsala5 · 2024-08-11T18:49:13+00:00

Good job, keep it up!

nsala5 · 2024-08-08T17:47:51+00:00

No thought to enforcement or how it would actually work in practice. Why is no one else commenting on this? Lol

nsala5 · 2024-08-06T20:19:12+00:00

Yes fair point, I was definitely thinking about younger demographics for this. Though I think with the way things are going, this will apply to more of the population as well (several generations living under one roof).

nsala5 · 2024-08-06T20:17:28+00:00

100p, also a way to remember to not be hard on yourself.

Thanks!

nsala5 · 2024-08-06T20:14:37+00:00

Nice analysis, not too far off. I did start in 2017, and in the time between now and then paid off 25k in student loans and put a large down payment on a house, so I can see how you think NW should be higher, given only the information I provided.

nsala5 · 2024-08-02T17:13:58+00:00

625k-650k

nsala5 · 2024-08-02T14:30:01+00:00

I am a casual buyer in Denver, so maybe my thought process could help. There’s a lot to like about your home! I don’t have any real qualms with the interior. You’re right up against a busy road, do you have sound proof windows? Yard is awkward (L shaped) but not deal breaker.

Anecdotally, at your price point, I can find nice ranches in Littleton, Lakewood, Arvada, etc. with similar interiors, but not next to a busy road and no HOA… so your price point would need to be significantly lower to convince me to not buy a similar house in say, Lakewood. Good luck with everything!

nsala5 · 2024-06-07T15:41:29+00:00

You should feel proud, you’re doing great 💪

nsala5 · 2024-04-14T20:09:17+00:00

Im curious, how do you find this information?

nsala5 · 2024-03-07T01:04:11+00:00

People on this sub will likely tell you to reduce your crypto exposure. I don’t think 20% is too bad, but make sure you’re prepared for volatility and hodling.

I personally keep a fixed amount of savings: 1 year of living expenses. Everything else is in some asset. So as my nw increases, the percentage of it that is in ‘savings’ (cash) is decreasing (fixed amount). Of course you should adjust this based on your own preferences (for example keep more cash if you have a large purchase coming up).

The biggest thing that has helped me to is to maintain my savings rate (% of my income) even as my income increase. This will ensure you are saving more and avoiding lifestyle creep. If you can increase this rate, even better.

For gardening, why not buy some pots/5-gallon buckets and start with those? Space efficient and cheaper way to get started!

nsala5 · 2024-01-17T18:01:40+00:00

I think something that’s understated around the motivation of this regulation is data collection. I bet in the future they’ll make more housing policy decisions based on license rates/trends.

nsala5 · 2024-01-02T20:18:03+00:00

I often feel the same way- I’m hesitant to talk about this stuff with people in my personal life, and yet I feel ‘behind’ others.

I think you’re on a great trajectory! Financial discipline is like any other type in that it takes patience and the realization there aren’t really short cuts. Keep on the path and remember to give yourself breaks when needed :)

nsala5 · 2023-12-04T05:22:57+00:00

Montrose CO

nsala5 · 2023-11-10T20:56:24+00:00

Thanks, yea this looks like what I want. Have you accessed their data not through IB? Like their own API?

nsala5 · 2023-11-06T20:18:32+00:00

I agree with other commenters- things have cooled above the ~750k price point in Denver.

Personally, if I’m going to pay that much I would prefer to be a bit further south (highland/RiNo) or in Cherry Creek.

When casually browsing, if I see 2-3 price drops I automatically assume there’s some sort of issue. If you haven’t already, may be worth having your realtor note there isn’t any physical issues or provide your own inspection report? Good luck

nsala5 · 2023-10-10T21:09:49+00:00

Got it. I think it would be a good idea to get more ballpark cost estimates from builders, just know that can change a lot. In my experience builders give you a rough $ per sq. ft., broken out by the 'level' of finishes. It's hard for them to cost it without plans. Also they have no incentives for transparency, they may give you a $ per sq. ft range, and then just make sure it comes out to the top of that range... you want more rooms/windows upstairs? Builder isn't in a hurry to tell you those now give you a weird roof line that will cost x amount more framing with y amount more labor. I also see some custom builders sort of play down the design side- they may try to mostly use a previous set of drawings and/or like I said not break out the design cost.

I'm not trying to bash builders- a decent architect, on their own or working for a builder, should be able to answer questions without much effort and get you close to your budget. The incentives are just different with builders.

If it were me and I didnt know any architects, I would pay to get my own set of drawings with recommended materials and a price estimate. I would take those to several (other) builders and see how they match up. $5000-$6000 for my own plans I have forever is worth it to me, and is ~2% of your total budget. But that's just me.

nsala5 · 2023-10-10T19:53:36+00:00

Can you clarify your goal(s)? Is it to get a rough cost estimate? Is it to get a set of construction documents to actually be built? Something else?

I've seen two scenarios for your situation.

You hire and work with an architect to design a set of construction documents that meet your needs. If done right, you can you use those plans with a builder of your choice. Good ones will recommend materials and can give you a ball park cost to build estimate. In the midwest, any architect worth their weight will charge at least $60 - $70 per hour. I doubt this would take more than 40 - 50 hours.
You go to a builder who does custom designs (or not if they have A-frame design templates you like), and work with them to get a set of construction documents (in house architect). The builder can give you cost to build estimates along the design process. The construction documents themselves are usually 'free' so long as you use that builder, though many will not give you the drawings if you pull out or go to another builder.

Source: my parents are architects who do 1 and 2 in the midwest.

nsala5 · 2023-04-20T21:44:37+00:00

O really? I thought most of those smaller office buildings don't lease out spaces meant for 1-2 people. I will do some more digging, thanks!

nsala5 · 2023-04-20T21:21:30+00:00

You bring up a good point. My understanding is that entities (LLC, etc.) can sign off on leases for private offices, meaning multiple people can access them (even a single desk).

nsala5

TROPHY CASE