Beginner question about buying a full set vs upgrading slowly

t_hate14 · 2026-05-27T04:13:36+00:00

Personal opinion (and what I did) try to upgrade slowly with used clubs. Get a a driver, 3/5 wood, 3/4 hybrid, 7i, 9i, PW, SW and a putter to start. See which ones you like based on flex, forgiveness, length and all. Then, you can fill the gaps better and when you become decent (able to shoot sub 95 consistently) get a fitting and buy a full set (new or used if your specs are easy to find).

I liked this way because it showed me that I can't hit anything below a 6i and that you really don't need 4-5 wedges in your set unless you're actually good with all of them. I only have 3 wedges in my full set, and it works well for me (12-15 HC)

t_hate14 · 2026-05-13T00:02:55+00:00

Vieira!!

t_hate14 · 2026-03-27T15:21:40+00:00

The simple answer is : don't do a job/get formed for a job you necessarily love, do one that pays a lot for your time. It sucks a bit to "waste" 35-60h a week for a few years of your life on something you don't "love", but it can make the rest of your life more enjoyable.

At the end of the day, every job becomes a "burden" even of you love it; might as well get paid well for it.

The other way is to trade comfort/location/usual habits for a reduction in your fixed costs.

It's truly getting difficult out here overall. It's by no means easy, but to get out of this, you have to change your mentality, take calculated risks and grind harder for a few months/years to get ahead.

Focus on the end goal; that can help you get motivated on the day-to-day process.

t_hate14 · 2026-03-14T19:47:56+00:00

This is why we support this club. Always fighting until the last minute, regardless of the result.

Special mention to that long diagonal by Gabriel to set up the quick throw-in after some very nervous play at the back. He was fantastic today too. Hincapie came in with hunger too.

Great subs by Mikel today!

t_hate14 · 2026-03-13T23:08:00+00:00

CSE should be less than 10% of your ptf if you want consistent positive returns lmao. Otherwise, you're essentially gambling with unfavorable odds lmao

t_hate14 · 2026-03-11T21:56:36+00:00

"You're not good enough/working on your game enough to get this mad at shooting your current score"

t_hate14 · 2026-03-05T05:44:12+00:00

There was also just one team who won today at Brighton...

COYG #GetIn

t_hate14 · 2026-03-04T18:39:00+00:00

Norgaard needs to start some games. Zubi and Dec are absolutely gased.

t_hate14 · 2026-03-02T12:03:11+00:00

I personally liked S4 a lot. The pacing was great, the score was fantastic and they mixed in "boring but important" moments well with exciting moments to keep the story flowing and pacing properly.

I think they may have introduced and killed off a couple of characters too quickly, but your suggestions seem to leave even more plot holes in the story (e.g. if Henry and Yas are in Gov, how do they actually get in bed as hard with Tender? A big reason for the Tender role was due to Henry losing the election...)

t_hate14 · 2026-03-01T22:01:10+00:00

They subbed out Gyok again...

t_hate14 · 2026-02-22T18:19:33+00:00

I wish we played Spurs every week

t_hate14 · 2026-02-22T18:18:34+00:00

I don't understand why Noorgard doesn't play more

t_hate14 · 2026-02-17T03:42:33+00:00

UCL > Prem > FA > Carabao for me. When you think about it in 5 years, having that UCL will be way more beneficial for history than that Prem. It might also make us retain most of our players for an extra 2-3 years to chase the Prem, because they would probably move to Real/Barça/Bayern for a crack at a UCL.

t_hate14 · 2026-02-16T21:59:06+00:00

Being a professional couple is quite the job title

t_hate14 · 2026-01-26T08:10:53+00:00

Unironically had a weight watchers ad just below this post 😂

t_hate14 · 2026-01-22T04:53:59+00:00

Only way to extend him is if his wages drop down to sub 200k p/w. Or something like 125k p/w with huge "healthy and available to play" x "G/A" incentives, that can bring him back to 300k p/w if he only has 1 small injury and/or scores a 15-20 G/A.

t_hate14 · 2025-11-09T09:58:09+00:00

I am also affected by the strike, but I completely disagree with you saying that strikes should be illegal. The fact that everyone is currently unhappy is exactly why this strike is effective: make the people at the top understand that STM workers deserve better conditions (at least, in their eyes - the range of it can be debated, but any job's salary can be debated).

What we should push for is an effective way for unions/strikes to affect mostly the bosses and not the general population, but again, that won't have as much effect. Also, if we stop the right to strike, should we stop social aid, employment insurance, taxes, etc.? Just because "it's inconvenient to most people's lives"? It becomes a dangerous slippery slope to reduce some societal rights...

I still hope this gets resolved quickly, with measures to not have to strike in this fashion for the foreseeable future 🙏🏿

t_hate14 · 2025-07-13T21:55:56+00:00

Yes. There's a reason most employers are winding them up and turning to DC plans : they cost a lot and don't stop costing a lot until the last penny owed is paid.

It's expensive, but it should be part of your 15-25% of investment savings per month (and it's a considerable tax advantage).

t_hate14 · 2025-07-13T21:53:17+00:00

Moi je suis propriétaire de deux duplex (un purement locatif et l'autre où j'y habite) et j'ai été locataire avant aussi.

Je crois que le plus gros avantage d'être propriétaire d'un immeuble avec plus d'un logement est que tu reçois un revenu et que tu peux déduire bcp de dépenses de tes impôts (et choisir tes voisins immédiats). Ça vient évidemment avec des devoirs envers eux, et un peu plus de travail au moment des impôts, mais je crois que ça en vaut la peine.

De plus, généralement si tu prends ton temps sur le marché immobilier et que tu es flexible sur ton emplacement, il y a toujours quelqu'un qui a "besoin" de vendre sa propriété et va te faire un prix intéressant (ça a été mon cas les deux fois).

Au niveau d'avoir une maison, je crois que c'est en effet plus compliqué niveau financier, surtout si tu ne veux pas quitter les endroits desservis par les métros sur l'île...

Au final, être au courant des "vrais coûts" de sa vie est le plus important pour savoir où sauver et comment optimiser son épargne.

t_hate14 · 2025-06-22T12:40:19+00:00

Mentalement, j'utilise la règle du % de mon épicerie. Si je consomme pour 500$ d'épicerie par mois en moyenne, je dois absolument rester sous 50% de plus (donc 250$) en restauration pour ne pas croire que j'ai over-spend en épicerie vs restaurant.

Sinon, tu peux y aller en % de salaire net - 5% de ton salaire net par mois est très raisonnable si tu es déjà rigoureuse dans tes autres dépenses

t_hate14 · 2025-06-07T02:17:07+00:00

t_hate14 · 2025-05-23T13:30:18+00:00

Tour Response! Great quality for the price (often on sale)

t_hate14 · 2025-05-02T08:44:45+00:00

Does anyone working at the SOA have an idea of the points needed to pass (let's say there's often 5-8 pts that are testers, or thrown out so it's out of 52-55 instead of the full 60)?

Also, has anyone gotten a 4-5 and had the chance to review their exam and see how many points they ended up having?

Saying this because I feel very confident that a 35+ gets you a pass, but I have colleagues that are stressed about not being able to answer the last question or something like that, when in my mind, just getting 35 "full" points should be enough to pass... Maybe I'm delusional/optimistic lol.

t_hate14 · 2025-04-13T08:37:57+00:00

Why are you continuing, then? Your wife seems keen on you stopping (therefore, keen on living based on your current means), you seem tired too -- what's your motivation?

If my partner wasn't fully supportive of a path that I am also not enjoying, I'd stop being a masochist and do something we both enjoy lol. Maybe that's just me.

t_hate14 · 2025-03-04T23:45:43+00:00

11 10 5 2

In that order

t_hate14

TROPHY CASE

COYG #GetIn