Go Back   OC3D Forums > [OC3D] General Forums > OC3D Freebies
Reply
 
Thread Tools Search this Thread Display Modes
 
  #31  
Old 16-11-21, 02:55 PM
Warchild Warchild is offline
OC3D Elite
 
Join Date: Feb 2013
Location: Norway, Oslo
Posts: 7,751
Quote:
Originally Posted by hmmblah View Post
I almost always do that with big purchases at Newegg. It's 0% financing though as long as you pay it off in time. That said, I never buy anything unless I already have the money for it (excluding vehicles and mortgages). If something is $1000 and I have 18 months to pay it off without interest I'd rather keep the money in savings and just throw $100 a month at it. If you're disciplined it's not a problem, but for some people it's a slippery slope because soon they are financing 10 things and making minimum payments on them. They then go past the terms and are stuck with ~25% interest.

One of my brothers was doing that and emptied his retirement to catch up. Now debt free he decided to buy a truck that was one and a half times greater than the credit card debt he had. So now he has no retirement and a $700/month (plus another $160/month insurance) truck payment for the next 60 months.
Thats exactly why I would never give finance as advice. Its so easy to slip up, or perhaps you lose your job or some circumstance pops up. Soon a simple $1000 finance escalates dramatically. For me to tell you to get it on finance, not knowing your vices (gambling etc) or your willpower to stick to the plan would leave me feeling alot of guilt.

Reply With Quote
  #32  
Old 16-11-21, 02:59 PM
AlienALX's Avatar
AlienALX AlienALX is offline
OC3D Elite
 
Join Date: Mar 2015
Location: West Sussex
Posts: 15,534
Quote:
Originally Posted by hmmblah View Post
I almost always do that with big purchases at Newegg. It's 0% financing though as long as you pay it off in time. That said, I never buy anything unless I already have the money for it (excluding vehicles and mortgages). If something is $1000 and I have 18 months to pay it off without interest I'd rather keep the money in savings and just throw $100 a month at it. If you're disciplined it's not a problem, but for some people it's a slippery slope because soon they are financing 10 things and making minimum payments on them. They then go past the terms and are stuck with ~25% interest.

One of my brothers was doing that and emptied his retirement to catch up. Now debt free he decided to buy a truck that was one and a half times greater than the credit card debt he had. So now he has no retirement and a $700/month (plus another $160/month insurance) truck payment for the next 60 months.
Exactly. It just lessens the shock of laying out say $1500 at once.

I knew from Turing on prices were going to rocket. I've spoken about it so many times I must sound like a cracked record. Fermi - expensive. From that moment on it was all huge shrinks, tiny dies and cheap prices. However, with the advent of RT I knew they would need to start making much bigger dies again, and, prices would rocket. And they did. And, they will continue to do so.

They should be cheaper than they are of course, but them's the breaks. Mining is doing this. Demand outstrips supply, prices rocket even more.

Which is my rationale behind buying say, that 6900XT. Firstly it will last you bloody years, due to the consoles being half or less as powerful. Secondly, the RRP on the AMD card is £999. That means it's £399 over that. A lot, right? well sort of. That's the RRP, that card isn't an AMD its high end. Meaning it would cost more than £999. Let's say in normal times £1100. Meaning you are only over paying by about 25%.

Now work down the chain, where on low end cards you are paying 100% over the odds.

Factor in longevity and etc? the smart money is on the high end cards. Especially when the 3080Ti was £1300 for a HOF like Dice has. Providing he can keep his cool and hang onto it? he will get the best value out of it.

The same goes for my 2080Tis. I got two for a total of £2100. I will likely be extremely bored of looking at them before I need to replace them.
__________________


If you don't like what I post don't read it.
Reply With Quote
  #33  
Old 16-11-21, 03:02 PM
AlienALX's Avatar
AlienALX AlienALX is offline
OC3D Elite
 
Join Date: Mar 2015
Location: West Sussex
Posts: 15,534
Quote:
Originally Posted by Warchild View Post
Thats exactly why I would never give finance as advice. Its so easy to slip up, or perhaps you lose your job or some circumstance pops up. Soon a simple $1000 finance escalates dramatically. For me to tell you to get it on finance, not knowing your vices (gambling etc) or your willpower to stick to the plan would leave me feeling alot of guilt.
Assuming self control bro. Which I would hope many of us have, given we are sensible chaps.

IE, have the money to pay it off before you buy it, or at least enough for a few months of payments etc.
__________________


If you don't like what I post don't read it.
Reply With Quote
  #34  
Old 16-11-21, 03:44 PM
KingNosser KingNosser is offline
OC3D Crew
 
Join Date: Dec 2010
Location: Essex UK
Posts: 674
PS6 is going to crush a 3090 :P

Always shop around that i can agree with check everywhere before making a buy.

I feel my 6800XT is going to be as well used as my 970's were so maybe another 5-6 years yet, the vram should help matters....

The tech companys are flip flopping atm on one hand it's not getting any better anytime soon then it's going to get better for everyone then it's next year it'll improve they are all over the place with false hope.

So your get what your get when you get it and hopefully at a decent price and be glad the mountain climb is over and you can relax and game fully, been playing a fair chunk of 2042 it's decent odd crash is all i've had otherwise the hovercraft is a blast just mowing down people lol it's been fun so far
__________________
https://forum.overclock3d.net/attachments/signaturepics/sigpic20429_1.gif
Reply With Quote
Reply

Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump










All times are GMT. The time now is 11:53 AM.
Powered by vBulletin® Version 3.8.7
Copyright ©2000 - 2021, vBulletin Solutions, Inc.