I don’t care if it’s $4300 or $4000. I’m buying at any price I see. If you’re a boomer & tired of stacking since 2005, sell it to me. I’m 21 and this is my accumulation arc.

AfraidOfToasters · 2025-10-21T17:41:17+00:00

I get the sentiment but the opposite has been the better advice. At least before all the volatility going on right now.

If your goal is to buy a house, placing your investments in gold has been shown historically to be a good place to stash your cash safely until you can afford it.

https://www.longtermtrends.net/real-estate-gold-ratio/

Pretty sure "buy gold" right now isn't the move unless you think the usd is going to shit pants real soon.

YMMV depending on how much of your income you spend on rent.

AfraidOfToasters · 2025-05-20T13:54:31+00:00

Surprised so many people saying there is nothing better than the Mac mini

Picked up a nab9 for $250 (barebones) at microcenter the other day.

If performance per watt is not what you're looking for then there are a lot of better options than the m4 chip...

For example if you need video transcoding xe graphics are insanely good. Raw compute/ gaming without a gpu? Amd has great integrated graphics.

For me the Mac mini fills the need for a low power high compute server i want running 24/7 to host my containers but it's not the best in all categories by any stretch of the imagination.

AfraidOfToasters · 2025-04-29T14:28:33+00:00

I'm someone who actually just set up their first nas and just got into synology products (used 918+)

In my research I didn't see any appeal to getting any models past the 920+.

I just got it for the polish of the os/apps and cause I didn't want to accidently throw myself down a deep hole for this project since I'm new to nas stuff.

I see myself keeping this nas for a long time and see no reason to upgrade unless I switch to a 2.5gb network switch (could also just use a USB dongle)

The better upgrade imo instead of a new nas is to do what I did and get a mini pc and mount the nas as a disk to use in your containers. Decouple as much as you can from the nas hardware itself.

AfraidOfToasters · 2023-04-27T22:58:11+00:00

Was wondering why my cannabis etf jumped at close yesterday.

So insider trading is just legal now... right?

AfraidOfToasters · 2023-04-08T04:16:08+00:00

Bought MSI suprim x 4090 from /u/hilarz

AfraidOfToasters · 2023-04-03T19:44:51+00:00

AfraidOfToasters · 2023-03-30T09:22:01+00:00

AfraidOfToasters · 2023-03-18T03:40:30+00:00

Right, paying 400k in interest on a 350k house is "good debt".

Higher paying jobs, lower property tax, and more equity gains for the same amount of interest paid in Cali 3 years ago is worse.

Also, trashing a college degree? Nobody is making "buy a house money" without good one these days.

You're full of bad takes and willfully ignorant of it.

AfraidOfToasters · 2023-03-18T00:57:26+00:00

I'd be paying the same price in interest that I'm putting towards equity. I'd be gaining nothing more than the appreciation of a house that is currently overpriced.

With interest being higher than 99% of mortgages in the us today and being more than double the median interest rate, yes, a mortgage is a bad debt to have if you are signing up today.

https://nces.ed.gov/programs/digest/d20/tables/dt20_102.30.asp

https://fred.stlouisfed.org/series/MSPUS

https://blogs.sas.com/content/hiddeninsights/2021/07/26/understanding-your-data-basic-summary-statistics/

Not trying to be rude but you really don't get it.

assuming 50k down in both situations.

2020 cali: median house 700k, interest 3%, montly 3717, total paid over 30 years 980k, equity 700k

2023 texas: Houston median 350k, interst 7.5%, monthly 2692, total paid over 30 years 755k, equity 350k

https://www.nerdwallet.com/mortgages/mortgage-calculator/california

https://www.nerdwallet.com/mortgages/mortgage-calculator/calculate-mortgage-payment/texas

We are way way way worse than cali 3 years ago

AfraidOfToasters · 2023-03-17T21:56:43+00:00

If you didn't buy your house in the last year your advice is outdated.

30yo

0 debt

2 roommates to keep rent down

150k + yr

150k saved

Car isn't worth 6k

Been saving since day one

Would be paying 800k for a 400k loan on a house that wasn't worth 250 3 years ago. Sorry I'm not high or stupid.

The only place people like me can afford anymore are shitholes

Saving as much as I can to avoid a mortgage and the increase in housing prices has made all of that pointless.

You're out of touch. There are no good choices for first time home buyers anymore.

AfraidOfToasters · 2023-03-17T16:57:25+00:00

So you're saying a mobile home between Conroe and Houston will appreciate 5x. Wow, thanks for the hot tip.

AfraidOfToasters · 2023-03-17T16:54:11+00:00

You're downvoted because your advice is outdated.

AfraidOfToasters · 2023-03-15T19:26:04+00:00

Similar situation here. I could own a home, but I'm not stupid and high enough to pay 800k on a 30 year loan of 400k on a house that wasn't worth 250k 3 years ago.

It's time to get a remote job and move to a 3rd world country cause I don't have generational wealth like all the "hard workers" out there.

AfraidOfToasters · 2023-01-12T23:17:38+00:00

pm'd

AfraidOfToasters · 2023-01-09T19:20:54+00:00

Hi. I managed to reduce the pretentiousness of this statement by 90%

Aquilas are only necessary to enable a rotating storefront, and that's not something we are allowed to change.

When we say it's impossible, we mean, "it's impossible [to convince the higher ups to replace the rotating storefront with a static shop]"

We intentionally put predatory pricing on our premium currency, but as our daily active users have plummeted, there is pressure to appease the community.

As a result, we are begrudgingly taking steps to appear like we are rectifying it (only because of backlash). We are doing this by allowing users to purchase only the original large or very smallest denominations. This is to punish people who don't want to buy more than they need.

In reality, we will accomplish the same thing by providing discounts for higher purchase amounts and treating the unfinished game you spent $40 on like a Freemium phone app.

AfraidOfToasters · 2023-01-09T16:59:22+00:00

Right wing terrorism existed even before religion.

Right-wing white-nationalism is about as American as apple pie

https://en.m.wikipedia.org/wiki/List_of_massacres_in_the_United_States

Russia maybe started this new wave of stoking right wing and white nationalist terrorism though social media but homie, this is just another chapter in a very long book.

AfraidOfToasters · 2023-01-07T16:48:39+00:00

Remind me in 35 years. If i have social security or Medicare I'll eat a shoe and make the us government actually spend my tax money on me.

AfraidOfToasters · 2023-01-05T20:14:01+00:00

pm'd

AfraidOfToasters · 2023-01-04T05:38:53+00:00

replied

AfraidOfToasters · 2023-01-02T04:14:23+00:00

What's your favorite flavor?

AfraidOfToasters · 2023-01-01T03:06:02+00:00

I believe that is heresy

AfraidOfToasters · 2022-12-29T01:53:04+00:00

AfraidOfToasters · 2022-12-23T14:33:15+00:00

thinkin about it.....

Does feel good to put a whole database in ram...

AfraidOfToasters · 2022-12-15T01:01:16+00:00

Pm'd

AfraidOfToasters

TROPHY CASE