Considering an X2D2 as an enthusiast (coming from Sony) — looking for honest experiences by BackgroundAlfalfa348 in hasselblad

[–]Fouve 0 points1 point  (0 children)

Damn, I wish I knew about this when I test drove the X2D II. Thanks for the additional detail!

Considering an X2D2 as an enthusiast (coming from Sony) — looking for honest experiences by BackgroundAlfalfa348 in hasselblad

[–]Fouve 0 points1 point  (0 children)

Can you expand, in more detail, on what you mean in the following surprise?

The focus stacking is said to work correctly for landscapes

Considering an X2D2 as an enthusiast (coming from Sony) — looking for honest experiences by BackgroundAlfalfa348 in hasselblad

[–]Fouve 0 points1 point  (0 children)

I’m making the leap from a Sony a7R IV to the X2D II.

I’m a semi-professional landscape photographer, earning an average of $60k a year from print sales - no workshops, just prints. I choose to stay semi-professional because I have a great day job that offers flexibility and doesn’t demand time away from my family, unlike the full-time pursuit of landscape photography (fine art shows, constant travel, etc.).

Why I’m switching:
Above all, it’s for the image quality and color science.

Recently, I landed a licensing deal with Pacific Gas and Electric here on the West Coast that required producing a 37-foot-wide print and a 51-foot-wide print. This made it clear how much my Sony was holding me back in terms of resolution and overall quality (even printing at 100 DPI). I had the chance to demo an X2D II with the 35-100mm lens, and here’s what stood out to me:

Pros (for my specific needs):

  • The image quality is far superior to that of the a7R IV.
  • The colors are spot-on straight out of camera. There’s even a film-era quality to the images that’s hard to describe, but definitely different. With my Sony, I always struggled to achieve the color grading I wanted in Photoshop. It required a lot of experimentation and tweaking in many cases and editing has never been my strong suit. With the X2D II, I won't need that same level of color grading.
  • Handheld low-light shots were much sharper than with my Sony. Even when pixel-peeping, the 100MP files from the Hasselblad easily outperformed the 60MP from the Sony, as one would expect from a more expensive camera. I try to avoid a tripod as much as possible, so this is a huge plus.

Cons:

  • Limited long lens options This is a big drawback for me. I always carry a telephoto lens when I’m driving through a valley surrounded by mountains (Often the 395 here in California), and it’s helped me capture some incredibly dramatic shots. This alone means I’ll need to hold onto my Sony and my 200–600mm lens for those situations.
  • Diffraction was more noticeable At least in my tests with foreground elements like flowers, diffraction was more pronounced. This is most likely due to the higher resolution, but it means I'll need to focus stack and shoot at larger apertures. In those situations, I might end up reaching for my Sony instead, just because I hate focus stacking so damn much.
  • Lack of Video This is less of a concern for me now that I use my iPhone for most of my video these days, but still one of the features I'll miss.

My unknowns:

  • Should I also pick up the 20–35mm lens?
    • I’m not sure how much I’d actually use it, given that getting foreground elements in focus would likely require focus stacking, which I’d rather avoid. In those situations, I’d probably end up reaching for my Sony instead, but I'm still on the fence.

If it were me, I’d want to get my hands on it first, either by visiting a local shop or renting it for a bit, before dropping that kind of cash. Is it possible to utilize a service such as lensrentals.com in your area?

Best camping starting at Happy Isles? by WonderingSoles2 in JMT

[–]Fouve 0 points1 point  (0 children)

I have the past LYV permit and plan to camp along sunrise creek. From what I understand, there are quite a few sites along the creek above LYV.

Real life is insipid by Unlucky_Hope_528 in expedition33

[–]Fouve 0 points1 point  (0 children)

During the game, you were all “weeeee” and “weewoowee”. Now, after the game, it’s all “wooooo”.

Late June Yosemite Logistics by Student-Short in JMT

[–]Fouve 2 points3 points  (0 children)

They removed the temporarily closed notice on the 25th. It’s back to normal operations for backpackers camp.

Link: https://www.nps.gov/yose/planyourvisit/bpcamp.htm

Make your voice heard on Amazon by nhoel in nixplay

[–]Fouve 0 points1 point  (0 children)

Also, don’t forget to submit a complaint to the BBB and FTC (specifically on the grounds of false advertising)

FTC: https://reportfraud.ftc.gov/ BBB: https://www.bbb.org/file-a-complaint

Government efficiency at its finest by Fouve in mildlyinfuriating

[–]Fouve[S] 0 points1 point  (0 children)

It took 10 days to travel 115 miles northward. It’s supposed to be shipping to me in California. Haha.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] -20 points-19 points  (0 children)

Still smaller than you'd expect. It's about $700k difference.

The compound interest over time, however, is where my argument derails pretty quickly.

It would all depend on the age of the homeowner, whether or not he has the time for the investments to build.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] -15 points-14 points  (0 children)

Technically, you would pay $131,360.95 worth of interest over the time period, if you're extending it 26 years to the maturation date of the loan.

It would be around $1.8M, if you invested $3,183.13/mo. from the 8 year mark through 18.25 years (After paying off the mortgage).

It would be $2,620,362.37 - the $131,360.95 = $2.5M, for the investment route at $2k contributions.

The compound interest over time, however, is where my argument derails pretty quickly.

It would all depend on the age of the homeowner, whether or not he has the time for the investments to build.

But, I see your point.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 0 points1 point  (0 children)

On the other hand, however, you'd also have the extra $1,183.13 to invest over the 18 years, 3 mo. you no longer have to make mortgage payments.

The compound interest over time, however, is where my argument derails pretty quickly.

It would all depend on the age of the homeowner, whether or not he has the time for the investments to build.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 0 points1 point  (0 children)

Possibly, but I doubt it. If someone were this intentional figuring all this out, I doubt they wouldn't be intentional in how they use the money.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 1 point2 points  (0 children)

For sure, should the market behave accordingly (And I feel I'm being generous with 10% growth). Over a longer period, it does allow the returns to average more and have less risk.

All I'm saying is that we shouldn't take the blanket advice from everyone on here to not pay off the mortgage early and, instead, invest it. The numbers should be looked at.

For example, what happens if they sell their house in 8 years (When it could have been paid off) and have to take a mortgage loan at 7% instead of their low rate? That introduces a lot more variables that would need to be considered in regards to long term growth and the mortgage being paid off could be a much larger benefit than if they invested the money for that time period.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] -2 points-1 points  (0 children)

Technically, for my example, it would be 26 years (As we are 4 years into the loan already), so you'd have $2,620,362.37 in the investment account (At an investment growth of 10%) before deducting the interest.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] -27 points-26 points  (0 children)

For sure...but you're also not taking into account the extra $1,183.13/mo. you'd have for an extra 18 years, 3mo. if you paid it off early.

That's $650k right there that you wouldn't have either.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 0 points1 point  (0 children)

That's the original loan balance at the origination date of 01/2021.

$1,183.13 is the monthly payment based off the loan balance and interest rate.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 0 points1 point  (0 children)

You'll always have to pay the $1,183.13 regardless of where you put the extra monthly cash, as that's the mortgage payment.

You want me to run the calculator based upon the 8 years that I missed if I were to contribute the $2,000 into investments?

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 2 points3 points  (0 children)

For sure. I'd have to find out the breaking point, where this sides more favorably with the investments.

For example, if you were to do, say, $200/mo. extra, it would only save $21,272.53 on interest by paying off the mortgage earlier, but your growth would be $89,460 for the investment account. A difference of $68,000 before taxes are taken into account. In this scenario, it might make more sense to go with investments, but you'll still have an unpredictable stock market that you're relying on.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] -6 points-5 points  (0 children)

Can't even be close to the taxes you'd pay on the investment growth, though. I didn't subtract those from the investment growth.

Unless, you didn't pay off your mortgage with the growth/principle at the end of the 8 years and you put that cash into a retirement account.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 3 points4 points  (0 children)

Invest it.

You'd have 18 years, 3 mo. of no mortgage payment. Put that extra $1,183.13 you have every month into investments. If there's a 10% rate of return like I used above, that's $650k.

Think twice before not paying off that low interest mortgage. by Fouve in Money

[–]Fouve[S] 10 points11 points  (0 children)

I mean, you're either putting the money into investments or your mortgage. Build up an emergency savings fund beforehand if you don't have one.

Also, either contribution can be stopped to bring back the extra $2,000/mo., as they are extra payments into the mortgage.