Search found 818 matches

by Independent George
Thu Sep 24, 2020 8:42 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Tough call, as there is always a new design in the pipeline. The best approach for me is to buy what's available now. One nice thing about socket AM4 is that they're forward/backwards compatible. If you really felt like it, you could easily replace your 3700X with the new 5000 series if it lives up...
by Independent George
Wed Sep 23, 2020 11:38 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks in free fall
Replies: 20240
Views: 2763536

Re: U.S. stocks in free fall

Theoretical wrote: Wed Sep 23, 2020 8:11 pm When I was a first year law student in the fall of 2008, my torts professor mercilessly blamed the hapless stockbroker in the class every evening:

“I lost $200,000 today thanks to you people.”
Your professor sounds petty, immature, and unprofessional.
by Independent George
Wed Sep 23, 2020 11:31 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

One thing I would add is that it's probably best to wait a month or so until AMD's next generation of CPUs and GPUs have been released and independently benchmarked before settling on an CPU & GPU. At the very least, you'll have a clearer picture of price to performance, and may even see discounts o...
by Independent George
Wed Sep 23, 2020 2:01 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

I don't see why there should be a problem with the cancellation. If you don't see anything within the next day or so, escalate. Save a copy of your cancellation request, i.e. browser screenshot. You'll have documentation that the cancellation was made before the product shipped. If the SSD somehow ...
by Independent George
Wed Sep 23, 2020 11:24 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Gamers Nexus does extensive thermal testing on PC cases under different configurations. I can't give you an exact temperature number, but their reviews should give you a decent idea of what makes a good case - it's not strictly about the number of fans, but having good, unobstructed airflow between...
by Independent George
Mon Sep 21, 2020 12:39 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Independent George - Check the serial number before you open the box. You may be taking a gamble with the warranty. Why? According to the website reviews, the products are "out of region", meaning you have no warranty. Search the Newegg profile review for "warranty". The WD terms are here: Warranty...
by Independent George
Mon Sep 21, 2020 12:00 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

This is from a Newegg third party seller, but it is over $100 off the Amazon price: Western Digital WD BLACK SN750 NVMe M.2 2280 2TB - $195 with shipping. That's a steal, except the seller reviews are rather terrible. The goods are apparently fine, but they are very slow in shipping - but I'm really...
by Independent George
Sun Sep 20, 2020 4:22 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

I haven't committed to anything, but it's an option to explore. I'll pick my CPU first, then see which option (air or water) gives me a quiet environment. Cost and complexity will be considered. This video from Gamers Nexus is probably the best examination of the tradeoffs between air vs liquid coo...
by Independent George
Sun Sep 20, 2020 3:47 pm
Forum: Investing - Theory, News & General
Topic: Fund Management: An Emotional Finance Perspective
Replies: 3
Views: 436

Re: Fund Management: An Emotional Finance Perspective

Finally, bringing this all home ... . It seems to me that, as DIY Bogleheads we are fund managers to ourselves and therefore that this analysis is applicable to each of us. However, there appear to be at least four key differences between Boglehead-ish and non-Boglehead-ish fund managers: 1) We hav...
by Independent George
Sun Sep 20, 2020 2:38 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

^^^ This is for my current desktop - the Lenovo small form factor PC that I'm looking to replace. It has a 210 W PSU and wasn't designed for 100% loading. Actually, I was considering liquid cooling for my new build. Fan noise is a big deal for me, so anything I can do to reduce that would be helpfu...
by Independent George
Sun Sep 20, 2020 8:53 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Update - After researching Intel documentation, my Lenovo desktop's i7-7700 CPU @ 3.60GHz is thermally protected. As soon as T j gets to 100 deg C (max spec), it will throttle back to protect itself. I've restarted my folding@home project and am now keeping an eye on the PSU. The fans are at 100% a...
by Independent George
Fri Sep 18, 2020 1:09 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Once again I'm reminded how weird BHs are compared to the average consumer. Report: Availability & Supply of NVIDIA RTX 3080 Video Cards I get wanting/needing to upgrade - I started this thread in large part because of how excited I am about the forthcoming Zen3 release. But it still strikes me as c...
by Independent George
Thu Sep 17, 2020 12:28 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Is anyone else having trouble finding isopropyl alcohol? I haven't experienced any thermal issues with my cpu, but given that it's twelve years old, I'm betting it's bone dry by now. I should probably put down some fresh paste while I'm building the new system, but I haven't seen any alcohol in stor...
by Independent George
Wed Sep 16, 2020 2:57 pm
Forum: Personal Consumer Issues
Topic: Solar - after 1 year the results are in.
Replies: 64
Views: 6766

Re: Solar - after 1 year the results are in.

What is the expected lifespan of the solar panels, and what does it cost to maintain them?
by Independent George
Wed Sep 16, 2020 12:50 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

To be fair, the $399 for the case also includes a power supply, water cooler, and a riser for your GPU. So the case itself is something like $150. Fair point; I would prefer to select my own components (especially given the horror stories about NZXT Cam) and buy the case separately, but I agree tha...
by Independent George
Tue Sep 15, 2020 8:43 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Honestly, my dream build would be a Micro ITX using the NZXT H1 and these custom side panels . I think the Tesselation pattern in cherry would look fantastic ; I just can't stomach the $450 price tag. Solar System looks pretty good, too. If I had the woodworking skills, I'd make my own custom case t...
by Independent George
Tue Sep 15, 2020 11:18 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Did you upgrade the stock fans and/or add any additional fans? I just installed 2 Corsair ML120 Pro fans for front intake in an Antec Three Hundred case. At some point I'll probably replace the stock exhaust fans (TriCool 120mm & 140mm), but they're quiet enough and working so it's not a priority a...
by Independent George
Mon Sep 14, 2020 7:09 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

If you're looking for a good airflow case, Gamers Nexus has some of the best and most informative reviews (including thermal testing) out there. In their testing, they found that better airflow generally resulted in less noise compared to sound dampening cases - as long as you have PWM fans, good ai...
by Independent George
Mon Sep 14, 2020 12:14 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

NAND prices plummet!

Inland Platinum 2TB SSD for $200 at MicroCenter.

It's QLC with only a 3-year warranty, but at $200 the price to performance ratio is amazing. It's only $10 more than their lower level drive, with faster max speeds and longer durability.
by Independent George
Sun Sep 13, 2020 8:27 pm
Forum: Personal Finance (Not Investing)
Topic: Cash-Out Refi Metrics
Replies: 4
Views: 572

Re: Cash-Out Refi Metrics

Mathematically, it looks good. Practically... what do you need the money for? $39k is so close to being paid off, I don't think I could stomach going back into debt no matter how low the interest rate is.
by Independent George
Thu Sep 10, 2020 9:42 am
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

I feel silly posting an announcement of an announcement, but I'm typing this on an i7-920. I'm allowed to be excited. https://www.anandtech.com/show/16077/amd-announces-ryzen-zen-3-and-radeon-rdna2-presentations-for-october-a-new-journey-begins Here's my question for those of you who have been build...
by Independent George
Wed Sep 09, 2020 7:22 pm
Forum: Investing - Theory, News & General
Topic: "Stock-picking" bonds?
Replies: 27
Views: 1390

Re: "Stock-picking" bonds?

According to the SPIVA scorecard , investment-grade short & intermediate bond managers as a whole did better than other sectors; over 15 years, active managers outperformed their benchmarks 32% and 27% of the time respectively. The only other category that fared better was Global Income Funds at 39%...
by Independent George
Mon Sep 07, 2020 5:44 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

These are just rumors/speculation, but Zen3 sounds promising. I'm really glad I decided to wait on CPU/Motherboard instead of buying it earlier in the year; regardless of its actual specs, either Zen3 is going to be amazing, or Zen2 will be dirt cheap come November. https://www.youtube.com/watch?v=D...
by Independent George
Thu Sep 03, 2020 9:21 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

I doubt prices will go down allot we are into the Apple/Samsung phone refresh months so nearly all of the chip fab's are pumping out phone chips/memory like mad. There will be a small bump for Black Friday/Cyber Monday for any company that has a surplus of parts that's always a good time to look. T...
by Independent George
Thu Sep 03, 2020 8:58 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Pricing on 2TB M.2 NVMe SSDs -- at least for Gen3 drives -- are getting closer to the $200 level. Newegg has a 2TB ADATA Swordfish PCIe Gen 3 NVMe drive for $210 https://www.newegg.com/adata-2tb-swordfish/p/0D9-0017-001U3?&quicklink=true Newegg has a 2TB Team Group MP33 PRO PCIe Gen 3 NVMe drive fo...
by Independent George
Thu Sep 03, 2020 2:47 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

Dwarf Fortress is largely single threaded (only uses one CPU core) so a Ryzen is arguably a bad choice. If DF is what you are trying to optimize, you don't really care about cores, but instead care about the fastest single core performance (highest Ghz) which is generally with Intel right now. Like...
by Independent George
Wed Sep 02, 2020 5:37 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

Re: PC Build Thread 2020

On the off-chance that it might interest you, I get much enjoyment out of putting several SSDs together in a raid 0 configuration. That requires either built-in raid on the motherboard or a PCIe card. Usually I prefer the raid on the motherboard as it simplifies things. This drives my motherboard d...
by Independent George
Wed Sep 02, 2020 5:21 pm
Forum: Investing - Theory, News & General
Topic: What is your age and asset allocation ?
Replies: 246
Views: 15051

Re: What is your age and asset allocation ?

Age 43, 90/10 asset allocation is currently as follows (excluding cash/emergency funds): 52% US Stock Index 34% International Stock Index 10% US Bond Index 4% REIT Index I'm currently trying to decide if the REIT index is still worth keeping for diversification purposes. On the one hand, it's such a...
by Independent George
Wed Sep 02, 2020 5:08 pm
Forum: Personal Consumer Issues
Topic: PC Build Thread 2020
Replies: 152
Views: 9927

PC Build Thread 2020

I am in the process of building a new desktop PC for the first time since the 1990s, and I'm excited! I thought I'd make this a general thread on PC building, with a chance for people to chime in on deals they see, and their opinions on various components. Everyone's excited about yesterday's produc...
by Independent George
Wed Sep 02, 2020 11:17 am
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7210

Re: Cardio alternatives to treadmills?

These are some really good back exercises which don't require any equipment:

https://www.youtube.com/watch?v=cVnIAfmEox0
by Independent George
Tue Sep 01, 2020 11:35 pm
Forum: Personal Investments
Topic: Worried about preserving my wealth
Replies: 33
Views: 5159

Re: Worried about preserving my wealth

Ben Felix, of Canada-based PWL Capital, explains the problem with holding on to cash: https://www.youtube.com/watch?v=X1qzuPRvsM0 I actually partly disagree with him on DCA - just because lump sum beats DCA 2/3 of the time doesn't mean the downside risk of that 1/3 is something to be ignored. It mig...
by Independent George
Tue Sep 01, 2020 8:08 pm
Forum: Personal Consumer Issues
Topic: Microsoft Flight Simulator 2020
Replies: 67
Views: 6658

Re: Microsoft Flight Simulator 2020

Some tips on how to get the most out of Flight Simulator:

https://www.youtube.com/watch?v=CKVhyOZaUcU
by Independent George
Tue Sep 01, 2020 6:57 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8976
Views: 712787

Re: U.S. stocks continue to soar!

Stef wrote: Tue Sep 01, 2020 2:30 pm Someone watched the Nvidia presentation? What a huge percormance increase compared to the last gen! This will let US stocks soar even further :mrgreen:
It just works!
by Independent George
Tue Sep 01, 2020 4:56 pm
Forum: Personal Consumer Issues
Topic: Cardio alternatives to treadmills?
Replies: 107
Views: 7210

Re: Cardio alternatives to treadmills?

If you're having back problems, you might consider adding some strength training to your cardio - specifically, squats, deadlifts, and other posterior chain exercises. Start at low weight (or body-weight only), and gradually build up strength to help your back.
by Independent George
Fri Aug 28, 2020 8:09 pm
Forum: Personal Finance (Not Investing)
Topic: Do you talk to your friends/family/coworkers about this stuff?
Replies: 210
Views: 16579

Re: Do you talk to your friends/family/coworkers about this stuff?

Family, yes; friends and co-workers only on invitation (and I never mention specifics about my own finances). I also hasten to add that family is easy for me because my parents are in their late 70s and actively sought my opinion, and my brother is a former hedge fund guy who went FIRE before I ever...
by Independent George
Fri Aug 28, 2020 11:18 am
Forum: Investing - Theory, News & General
Topic: A Beater Truck and a FAT 401k...
Replies: 104
Views: 10291

Re: A Beater Truck and a FAT 401k...

I think there's a bit of a Bogleheads disconnect here - the main reason cars are a drain on most Americans finances is less about the purchase price, and more about financing and negative equity. A typical BH who splurges an extra $10k on a car will also pay it off in 0-3 years instead of carrying t...
by Independent George
Thu Aug 27, 2020 11:34 pm
Forum: Personal Investments
Topic: Poor performing portfolio
Replies: 71
Views: 7230

Re: Poor performing portfolio

The nine month window you are observing is basically meaningless for a long-term portfolio. Sooner or later, every slice of your portfolio will under-perform the others; if nine months is causing you this much worry, you have way too much equity and way too much factor exposure.
by Independent George
Thu Aug 27, 2020 11:24 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8976
Views: 712787

Re: U.S. stocks continue to soar!

mrspock wrote: Thu Aug 27, 2020 10:51 pm Try 0.60% now... wow. If this holds, what a way to finish off the week!
Of course it's up this week - I get my paycheck on Friday. I guarantee this means we'll be down next week.
by Independent George
Thu Aug 27, 2020 11:01 pm
Forum: Personal Finance (Not Investing)
Topic: Is cash really king?
Replies: 35
Views: 3719

Re: Is cash really king?

Recently I went to help my mother-in-law buy a car where the game plan was to pay In cash thinking We’d get a better deal. It was informed to us that this dealership gets kick backs from the banks where they direct borrowers to and that paying in cash won’t discount the car. It's not a question of ...
by Independent George
Thu Aug 27, 2020 10:00 am
Forum: Investing - Theory, News & General
Topic: Whose being naughty and keeping some dry powder around?
Replies: 110
Views: 9245

Re: Whose being naughty and keeping some dry powder around?

I'm keeping some extra cash around in case I lose my job. Otherwise, my investments remain on autopilot as usual.
by Independent George
Wed Aug 26, 2020 3:25 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8976
Views: 712787

Re: U.S. stocks continue to soar!

Ok, what the heck just happened today? Not that I'm complaining, mind you, but... what the heck happened today?
by Independent George
Wed Aug 26, 2020 10:11 am
Forum: Personal Consumer Issues
Topic: Low Earner... Creative ways to own a Tesla Model 3?
Replies: 101
Views: 7695

Re: Low Earner... Creative ways to own a Tesla Model 3?

I just want to reiterate the point that there is a LOT of car between a '91 Honda and a Model 3. You can easily upgrade your car (and your quality of life) without breaking the bank, and still get an even better Tesla in 4-5 years.
by Independent George
Wed Aug 26, 2020 12:34 am
Forum: Personal Investments
Topic: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stock?
Replies: 166
Views: 11787

Re: As a 30 year old with extremely high risk tolerance should I even be holding bonds any more or should I go 100% stoc

I was 100% stocks in 2008 (age 31), and had no problems remaining at 90% stocks in 2020. If you genuinely have a high risk tolerance and can get through the volatility without panicking, then go ahead; you'll likely do better in the long run. I find that most people (even here at BHs) are really bad...
by Independent George
Tue Aug 25, 2020 5:14 pm
Forum: Investing - Theory, News & General
Topic: U.S. stocks continue to soar!
Replies: 8976
Views: 712787

Re: U.S. stocks continue to soar!

It makes no sense to me, but I'll take it. Automatic investments really takes away a lot (but not all) of the stress.
by Independent George
Tue Aug 25, 2020 5:12 pm
Forum: Personal Consumer Issues
Topic: Low Earner... Creative ways to own a Tesla Model 3?
Replies: 101
Views: 7695

Re: Low Earner... Creative ways to own a Tesla Model 3?

It's true that this puts OP in the upper 30% of incomes in the US, but that doesn't mean he (and I) don't feel like low earners. I make about the same, and while I'm certainly not complaining, it's extremely daunting to look at the cost of education, health care, housing, and a self-funded retireme...
by Independent George
Tue Aug 25, 2020 9:49 am
Forum: Personal Consumer Issues
Topic: Low Earner... Creative ways to own a Tesla Model 3?
Replies: 101
Views: 7695

Re: Low Earner... Creative ways to own a Tesla Model 3?

Only on Bogleheads could anyone say 75k is a 'low earner' with a straight face. Anyway, to get back to the original point, the boring (but correct) answer is that you should not buy the Tesla. Or, rather, you should not buy the Tesla right now . I don't see anything wrong with splurging when you hav...
by Independent George
Thu Aug 20, 2020 4:29 pm
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 17105

Re: Advice to a Millennial about nest egg "Critical Mass"

While I agree with the premise of saving early, take appropriate risk and etc, too bad it's unlikely to repeat the performance of 11-12% CAGR in 20 years that we saw from the late 1970s (80s and 90s were great for stock/bond performance). It's a new world now. When has it ever not been a new world?
by Independent George
Thu Aug 20, 2020 2:12 pm
Forum: Investing - Theory, News & General
Topic: Advice to a Millennial about nest egg "Critical Mass"
Replies: 150
Views: 17105

Re: Advice to a Millennial about nest egg "Critical Mass"

"When did I start teaching?" I started teaching in the 1974-1975 school year with a salary of---here I am quoting my contract, which I still have---"$9,300 and no/100 dollars." * $9,300 Base salary (BA + 36 credits, Step 2 -465 Less 5% contribution to TIAA-CREF $8,835 cash salary 1974-1975 There's ...
by Independent George
Wed Aug 19, 2020 9:19 am
Forum: Investing - Theory, News & General
Topic: They Stayed The Course
Replies: 24
Views: 4054

Re: They Stayed The Course

I guess my point was that the article maybe made it sound like those people were "staying the course" intentionally...in other words they were showing confidence in their plan, or the market, or something else. My point of view is that most of those people were just doing nothing and not even think...
by Independent George
Tue Aug 18, 2020 2:21 pm
Forum: Investing - Theory, News & General
Topic: They Stayed The Course
Replies: 24
Views: 4054

Re: They Stayed The Course

I usually try to maxout my 401k in the first few months of the year so I set my contributions high. I set it unusually high this year due to market crash and to make up for paternity leave. My yearly bonus got paid out in March and it hit the market at the rock bottom along with the employer match ...