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Josh1billion

Member Since 08 Aug 2009
Offline Last Active Today, 03:17 PM
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Topics I've Started

For a VR desktop/workspace, which is better: Valve Index or Vive Cosmos?

Yesterday, 05:12 AM

I tried out Virtual Desktop on a cheaper headset, and I really liked it. I could see myself spending most of my workday (programming) in VR if I had a high quality headset. And then playing a few VR games here and there as well.

Would the Valve Index or Vive Cosmos be a better choice?

Do the math before you pay off your student loans; you may be losing money long-term by...

15 February 2020 - 10:53 PM

This is something the financially-savvy CAGs are probably going to say "well, duh" at, but it's something I recently realized and that I wish people had told me before I started aggressively paying off my loans.

 

I thought I'd save a lot of money in interest by paying off all my debt as fast as possible, but nope.  Even if that's your goal, you're better off making the minimum payments and putting the excess (that you would have used to pay the loan down early) into an ETF each month.  Vanguard's VTI ETF is a low-risk and high-performing one that's easy to set up and charges barely any fees (0.03% per year, i.e. a $3/year fee for every $10k you have in it).  It averages about 10% per year, sometimes more (about 20% year-over-year from last year, thanks to the economy being so strong right now).  Some people are saying it'll slow down to around 5-8% in the next decade, but right now it's in a great place.

 

So unless your loan's interest rate is high (9+% APR), the money you make from interest on that will outpace the interest you accumulate on your loans.

 

What about taxes?  If you hold onto your investment for at least a year, you get charged capital gains taxes on your earnings, which is only 15% for most people.  Hold onto the investment for less than a year, and your earnings instead get taxed at your (higher) income tax rate.  In any case, you'd want to factor that in, because your 10% earnings become more like 8.5%.  Hopefully you don't have any loans with interest rates higher than 8.5%, but if you do, paying them off may make the most sense.

 

With student loans specifically, another consideration is that you can deduct all of your student loan interest if your annual income is below $70k.  So that works in your favor.  Some people qualify to have their entire student loans forgiven as well, so of course you lose out on that if you pay them off early yourself.

 

Downside to all of this: you may be missing out on some credit score gains by keeping your loan balances high.  Might be worth considering if you're planning on buying a house within the next year.


Samsung 50" RU7100 for $350 at Best Buy

30 December 2019 - 07:13 PM

https://www.bestbuy....p?skuId=6323733

Normally $400

It's an amazing TV if low input latency is your #1 priority like it is for me. Can't get much better there for the price. Can install all the major streaming apps on it, and comes with a couple of months of discounted Sling.

Specs: https://www.rtings.c.../samsung/ru7100

Looking for a laptop

20 October 2019 - 04:50 PM

Any deals going on right now?  Or is it better to wait for Black Friday?  I haven't paid attention to laptops in previous Black Friday sales so dunno what to expect there.

 

Looking for something in the range of $400 to $1,000, with a decent processor, 8+ GB of RAM, and an SSD.  Ideally with a good video card too, but not a big priority if it affects the price in a major way.


$100 PSN credit for $85 on Rakuten with coupon code ANT15

02 October 2019 - 03:00 AM

https://www.rakuten....roduct/1363209/

 

To further sweeten the deal, you can get 5% cash back if you have a Chase Freedom credit card.  You need to 1. activate the cash back promo on their site if you haven't yet, and then 2. pay with PayPal using that credit card.

 

Rakuten also gives you 1% back, aka 85 cents off your next purchase with them.

 

About 20% off altogether if you play it right.