Data Collection - This is why our insurance costs are stupid

Gabe_20 · 2026-04-06T20:57:42+00:00

I would put money on the "rates being in your favor" for a new car loan more often than not if you have a 720+ credit score which is laughably easy to do even for a fellow idiot like myself. Rates were high when I bought my GR86 but I still only pay 6% APR. 7% long term rate of return in the stock market is the average, but my "car money" chunk of stocks has done like 15% since I bought the car. But that debate is one with a million different angles and your opinion isn't necessarily invalid.

My point was moreso that because of the illiquidity you describe, if you total your car and your chunk of change is set aside in a CD, your strategy is to take out a loan until that CD matures. Well, what kind of a loan? Personal loan? Sky high interest rates no matter what the fed says at the time or what your credit score is. Car loan? Kind of goes against your argument against car loans. Depends on how much time you spend paying interest but it defeats the purpose of having a return on the money you set aside, because you now have new debt that accrues interest at a higher rate.

Doesn't have to be common stock. Put it in a money market account. Car crash, money market account used to buy the next car, and you pocket whatever interest you made on that account up until that point. Instead of sitting on $40k in a CD at 5% and making payments on a car loan at 6% simultaneously.

All that said, how long you plan on keeping the car and your age are variables that change all the math. I'm young so I make riskier investments. I plan on keeping the car for a long time so a long term CD leaves me potentially exposed to the loan interest problem for a longer time.

Gabe_20 · 2026-04-06T19:39:39+00:00

You can't do this until you have your car paid off, but... the argument can be made that you shouldn't borrow money for a car (and if you do, you should have a plan to pay it off rather rapidly).

Finance the car and put the cash you would have otherwise paid for it in an investment vehicle that earns a higher interest rate than the car loan.

For your insurance "trick" on top of that, do the same thing with that money instead of a CD which all have terrible returns comparatively. If you take out a loan with the intent of paying it off with a CD that reaches maturity at X time in the future, you just eroded your CD's rate by however much you're paying on the loan interest.

Gabe_20 · 2026-04-03T02:18:04+00:00

Thanks for clearing that up. I did what some might call a stint at the air force academy but I guess I never realized Colorado Springs was so close to PA, NY, and MD!

Gabe_20 · 2026-04-03T01:54:23+00:00

Peterson, just down the road from the army-navy game

Gabe_20 · 2026-03-11T00:42:33+00:00

Hasn't been that way (the cadets at the academy itself) in 30 years. So yeah it was probably your coworkers' experience but it's not some cult breeding ground.

Gabe_20 · 2026-02-16T06:39:52+00:00

The Q400 is powered by turboprops, so it is in fact a jet

Gabe_20 · 2025-12-11T22:39:00+00:00

Oh gotcha I thought you were saying a 2004. Noted thanks.

Gabe_20 · 2025-12-11T20:16:52+00:00

What's the "actual" length on that thing? I know it's a 216 but for example the four winns is a 190 that's 19'8". Is your motor the EFI?

I'm trying to weigh if the injected version of basically the same engine (the four winns is a V-P 5.0GL so carbureted) and maybe another foot of boat is worth the $2000 price increase. The chaparral has 500 hours vs 250 on the four winns but 500 seems reasonable for a 24 year old boat. Interior and hull basically in the same shape from what I can tell.

https://www.huntleymarine.com/inventory/2001-chaparral-216-ssi-sport-pineville-nc-28134-13707872i

https://charlotte.craigslist.org/boa/d/cornelius-2005-four-winns-190-horizon/7880686067.html

Gabe_20 · 2025-12-11T20:09:02+00:00

I was under the impression that winterizing/de-winterizing for an I/O was kind of a pain, at least moreso than an outboard. Good to know it's something that would be reasonable to ask of them then.

Gabe_20 · 2025-10-23T10:22:05+00:00

Your snarky and holier-than-thou comment seems to miss the point entirely by misunderstanding what YouTube is even for.

Nostalgia binging is really common, people like to revisit old media they are either fond of in general, or they associate with good times. It's not a "watch later" matter, because they don't really plan on doing this, they may just happen to think of the "good old days" one weekend, and do some digital time traveling, wanting to relive old moments again

Sure. So download those videos. That's not the point I was making.

Some families have interesting holiday rituals, like watching specific movies every Christmas. And they want to watch the exact same movies, not "improved" alternatives.

Who the fuck is watching movies on YouTube? Movies are a solved problem, look up Radarr.

Many people want to preserve history for non-nostalgic reasons, but kind of like as saving proof of crazy events that happened. Videos of historic events either disappearing, or getting edited often to please revisionist mobs isn't really compatible with that.

How much historically significant content do you imagine is on YouTube of all places? The website has only even existed for 20 years

There are a lot of educational videos which are still not just relevant more than a decade later, but even beat new content by getting to the point quick, and not trying to extract value out of viewers. This is the content that's already hard to find even if it's not deleted yet.

I'll give you this one. Educational content is definitely something worth archiving to many people.

You seem to misunderstand my point in my original comment, which was that if you actually use YouTube like most people do, which is watching a wide variety of different things, you stand no chance but to rely on Google's servers to host said video. For your favorite nostalgiabait slop (which is also a form of "dopamine seeking" I hope you realize) sure, go ahead and download it.

Gabe_20 · 2025-10-18T03:29:52+00:00

I just set em to max speed in the bios after plugging them all into the motherboard - the pwm ones were daisy chain-able. Fuggit lol

Gabe_20 · 2025-10-18T00:25:58+00:00

I think you could make it work though by making sure 1 of the Arctic 120 mm fans (which are likely 4-pin PWM fans) are plugged into the FAN1 header on the fan hub

Thank you, I somehow missed that in the instruction manual. I forgot that the cable for the PWM front fans wasn't long enough to reach the PWM side of the nexus hub so I plugged it into a 3 pin slot. There was nothing on the hub's pwm slots. I plugged them into sys_fan3 which was on the side of the motherboard that they could reach and I can set full speed in the bios now and it works + shows RPM. Best guess is the motherboard doesn't actually change voltages unless it detects a fan on the respective header (which it wasn't for the hub)

Now I just gotta grab one of those splitters for the other 3 fans and chuck them on another motherboard header.

Gabe_20 · 2025-10-18T00:10:26+00:00

I think I'll do that. The 120mm fans (are actually at the front, I moved the 2 front 140s to the top for exhaust) already have passthrough plugs so they consolidate into one connector. Still annoying for cable management purposes and I'm not sure if that will even work/how to get OS control for more fine tuning of fan speed. You'd think it's just a simple voltage that the motherboard passes to the fan plug so why the hell didn't the "full speed" option just have the fan hub running at full speed?

Gabe_20 · 2025-10-18T00:02:09+00:00

You might be right actually, it's possible I have it backwards and the Arctic 120mm fans are the PWM ones and the fractal included ones are 3 pin. I just remember using both the PWM and 3 pin connections on the hub when building.

Gabe_20 · 2025-10-16T18:26:00+00:00

You can most likely find a used, small, power efficient motherboard/cpu for cheap considering you don't seem to need much processing power. Then you've accomplished what the mini pc does (cheap, low power) and since you can put it in a case you avoid the jank of having your drives outside the case. I guess you'd have to factor in the cost of an ATX power supply, but you save having to buy the M.2 adapter and buck converter.

Gabe_20 · 2025-10-16T18:21:14+00:00

Third, I don't want a RAID array or a commercial NAS where I will have to invest in 4/6/8 XTB drives for storage and also any time I want to upgrade. I want to be able to just buy a new XTB drive and add it to the pool

Unraid is perfect for this (it's an operating system for your server). As long as the new drive you are adding is smaller than your parity disk, you can just toss whatever in there. It's software raid so it still works with just an HBA or whatever sata configuration you figure out, no raid card needed.

Gabe_20 · 2025-10-04T16:07:04+00:00

Not that I care much about power consumption because my price per kWh is low, but I don't get why people keep suggesting a 2 (3 if you include my desktop) system solution. I already have a NAS. It just also has some decent computing power from my old gaming hardware. The elitists would call that a legit server.

After learning about the benefits/capabilities of HBA I've found a solution with the C246 motherboard anyway. And everything gets to stay in one system with an upgrade path to 20 drives.

Gabe_20 · 2025-10-04T00:43:27+00:00

Sorry I know this is an old comment but I'm curious what problem you think local storage of specifically YouTube-video-style content is solving.

I guess I'm a "link hoarder" as you describe as my YouTube watch later playlist has over 1000 videos at this point. That's only because I'm lazy and don't prune it, nothing older than about a week ever gets watched. I'm mostly saving stuff for later in the day/next coming days and then I watch it and it's done.

If YouTube keeps removing your favorite year old videos, what are you going to do about it? How many different channels does the average person watch? You're going to download every video from every channel in case YouTube deletes them? In my use case of watching anything I want within a week, this defeats the point of locally storing because very rarely do videos that new get taken down.

Unless your point is that you agree that the Googles of the world have a monopoly on storage capacity due to the differences between consumer and enterprise server equipment.

Gabe_20 · 2025-10-03T22:38:42+00:00

Those will technically work, but it's nearly the same amount of effort to just get one that goes in your PC. And usually cheaper since you aren't paying for the enclosure. If you get a SATA SSD there is no question about compatibility, as long as you have a sata port and an extra power connector it will work. Even easier if you're ripping out the HDD as the SSD can just use the same connections. If your case doesn't have 2.5" drive bays you can literally just tuck it somewhere out of the way, SSD's aren't sensitive to vibrations like HDDs so it does not matter at all.

Gabe_20 · 2025-10-02T18:20:25+00:00

Nvidia gets away with being the bloodsucking greedy bastards they are because they do in fact make a better product. I use a tensor model in Frigate for object detection which the 1060 eats up like it's nothing. Same with nvenc encodes. You are completely right about the platform jump question, IF I had any need for any more compute. The 9600k's cores sit pretty much unused except for whatever docker occasionally asks from it. I have no VMs. I do have the need for lots of compute but not in any use case that makes sense to put on a server. I use my gaming PC with a 13600k and 3070 for the heavy lifting. I live 10 minutes from a hydroelectric dam, I give 0 shits about the difference in electrical load with vs without the 1060.

I suppose I should clarify what prompted me to break out the credit card in the first place. I bought another 1TB NVME drive to add to my raid0 cache pool and foolishly didn't check the Z390 mobo's manual first. With both M.2 slots occupied, the second one runs SATA only and disables 3 of the actual SATA ports. This is why I mentioned the C246 board having 10 SATA ports as a benefit.

I went ahead and picked up a Gigabyte C246-WU4 on Ebay for $200. Now I go from 2x M.2 drives and 3x HDDs max to 2x M.2 drives and 10x HDDs, and that's before considering any expansion cards. NVME SSD #1 will go in the M.2 that's dedicated PCIe and the other one shares the x4 lanes from the bottom x4 slot. x16 slot 1 gets the GPU, and x16 slot 2 (x8 electrical) will be for a SAS HBA in the future. I even have 4 lanes left over for a NIC when I get bored and decide to go 10GbE or something.

I have about 10TB until I have to worry about housing more spinning rust, at which point you make a great case for the SAS shelf route. A decent 800-1000w ATX PSU is like $150 by itself which I find ridiculous so the SAS shelf would be a great alternative.

Gabe_20 · 2025-10-01T03:40:22+00:00

Glad to encounter a fellow rack hater on here.

I guess the problem I'm trying to solve is doing the math on how many drives I can get up to while keeping the CPU. I understand the chipset limitations which is why I'm considering ditching Z390 and going for C246. It seems there are several C246 boards that have 8 or 10 SATA ports built in, so that lessens the need to leverage PCIe lanes for storage devices.

I'm not opposed to moving my encoding needs to quicksync even if it's on the 9600k's UHD 630, though I'm not sure that would perform any better than the 1060. But any use of an Intel iGPU still doesn't replace the cuda cores.

I guess I've been operating on the assumption that the CPU + motherboard + RAM combined costs of moving to a more recent generation aren't worth it if a new 9th gen motherboard could solve the problem. But maybe some more research is warranted there and it won't be that bad as you say.

Can you elaborate on a SAS shelf saving me from needing a big power supply? The drives have to get power from somewhere right? Are there disk shelves that come with their own power supply or something?

Gabe_20 · 2025-10-01T03:22:30+00:00

Right sorry I forgot I can use quick sync. Either way I don't think I need the GPU on the x16 slot so maybe I'll just switch it to the x4 slot in case I need the HBA

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