7265

AMD also did not appear to help much on that front either

7266

Sorry to busy playing games to post about how awesome everything looks and runs on my new 3080 rig :) Plus it’s a bit like having survivor remorse with the ongoing lack of availability. :(

7267

They didn’t help me with my mortgage, either. Bastards.

7268

Hahaha! This thread has taken a hilarious turn.

7269

Even if you’re an inveterate spender and will immediately blow up the cards afterwards you should still pay off your credit cards first, because they’re the highest interest debt anyone carries.

But yes, obviously, nobody should ever keep a balance on their credit cards outside emergencies.

Then once you have your credit cards paid off and maintain 3-6 months of living liquid in the bank (number of months depending on whether you have kids, etc), then you should invest excess cash in the stock market, not in paying off your mortgage early.

Nobody should ever pay off their mortgage early, even if they take the standard deduction. Like I keep saying, it’s the cheapest money you’ll ever get. The stock market pays off 10%/year on average. Just index everything.

7270

I gotta agree with this. I’m not sure what the hell is going on with US financial system, but we were just able to refinance a 30 year loan at 2.5% (closed yesterday).

That’s just insane. I’m pretty sure we can get a higher return investing in most anything, so no early payments for us. Not a dime.

7271

Holy shit, 2.5% at 30 years?! You should be dancing in the streets, dude.

7272

But how many FPS does it get in MSFS?

7273

While I understand the people who find security in paying off their mortgage, @stusser has hit it on the head above. Pay off your credit cards, don’t carry a balance, get an emergency fund, invest your money. Don’t pay down your mortgage.

The best time to do all that is last year. The second best time to do it is today.

This is a somewhat weird detour for the GPU thread but hey, that’s how we roll here.

7274

I’m a serial diversifier so I still throw $200 per month at my 3.875% mortgage. It’s the psychological benefit. It feels more satisfying than making investment accounts slightly bigger.

I guess I need to look at refi again.

7275

I mean, it’s not like we can talk about buying new GPUs.

7276

Oops, did not see what thread I was in. QT3 occasionally has two threads talking about the same thing, only one of which is on topic.

7277

If you’re lucky!

7278

I figured you just bought a 3090 :)

7279

If everyone was required to have their retirements funded before buying an new GPU, I think the lack of stock problem would definitely be solved.

7280

Ok so I’ve been looking at Big Navi’s ray-tracing performance. It looks 5800XT is on par with 2080 Ti performance in ray-tracing. Which means AMD (and hence PS5 and XSX|S) is one generation behind Nvidia in terms of ray-tracing. And WITHOUT DLSS.

But given that any ray-tracing game will have 20xx generation as the performance floor anyway, and AAA title will be cross-platform and has to use the console as performance floor, so in short to medium term, the performance gap wouldn’t matter. But if DLSS takes off, then Big Navi got performance issue.

Luckily 5800XT is also cheaper than 3080, so that makes the purchase decision easier. IMO 8-core Zen 3 + 5800XT will be sufficient for this console cycle. 12-core Zen 3 + 3080 will be more than sufficient. IF you can find any of them.

7281

Cat is showing some interest in upgrade being done.

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Gods, that thing is huge, barely fits into my Meshify case, had to move a front fan lower.

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7282

That is a cool looking cat, I especially love the coloring.

Congrats on the card, may it provide all the frames!

7283

What’s the CPU under the 5 ton cooler? It really looks like the GPU should have the same style tower in that gap at the bottom :)

7284

I love how that huge nuclear cpu cooling monster that looks like it was torn out of a 688 attack sub implores the viewer to “be quiet!”