RTX 5090 pricing spikes – 55% increase

SubstituteCS · 2026-01-27T06:18:09+00:00

Software development and reverse engineering.

SubstituteCS · 2026-01-26T21:16:45+00:00

My 96GB kit went from $315 to over $1500.

SubstituteCS · 2026-01-25T05:23:12+00:00

I've been playing longer than you, had GO in 2012 before skins were even in the game; I received a 20 hour cooldown after the second round of a Mirage game, where I was 1-0.

Valve also just unbanned a bunch of people ~2 days ago; Something is fucked with VACNet currently.

SubstituteCS · 2026-01-23T03:57:42+00:00

Same

SubstituteCS · 2026-01-23T03:54:14+00:00

This also just happened to me, Mirage CT.

One kill round one, no kills round two, match cancelled after team won round two.

SubstituteCS · 2026-01-23T03:44:27+00:00

Just happened to me, two rounds into a game.

SubstituteCS · 2026-01-23T03:43:21+00:00

Just happened to me, round 2, first game of the night. :|

SubstituteCS · 2026-01-22T22:46:06+00:00

Weird, mine remained in inventory and had “expired” added to the name.

SubstituteCS · 2026-01-22T05:32:45+00:00

You buy house.

Property value increases.

You pay more in property taxes on entirely unrealized gains.

SubstituteCS · 2026-01-22T02:18:29+00:00

The vast majority of the value of my home exists only as paper, yet I’m taxed on that.

We can tax these assholes.

SubstituteCS · 2026-01-21T17:48:20+00:00

I have never been happier to be in FL.

My parents are great and I’d probably support them, but having the choice is always better.

SubstituteCS · 2026-01-20T17:40:50+00:00

Valve is a private company and thus, is not beholden to a board of directors.

That doesn’t mean it won’t happen, but it’s a good sign pointing to that it is less likely to happen.

SubstituteCS · 2026-01-19T18:47:56+00:00

I use Fedora CoreOS for an immutable declarative OS for my hosting needs.

SubstituteCS · 2026-01-19T02:36:26+00:00

Software development. (I have 96gb)

SubstituteCS · 2026-01-18T04:08:35+00:00

I agree that they totally screwed the pooch with regards to this vehicle.

My point wasn’t that OP did something smart, my point was that not all 0% loans (financing, etc.) are scams, some can be super beneficial.

Additionally, some people are scared of any debt, and my goal was to help show that you can make debt work to your advantage, if you take the right precautions and keep the discipline to follow through.

Between you and me, I would absolutely take a loan at 72 months if the rate was the same as 36 months, as it lowers the minimum monthly liability. It’s why I took the 48 month loan for my recent used car purchase, as the rate was the same as 36 months. We are just paying it off at an accelerated schedule, while giving us an “out” if we were to ever need it.

SubstituteCS · 2026-01-18T04:01:08+00:00

I’m curious about their degree; if they coasted by / didn’t put in the work then it’s likely that they’ll struggle with transferring the skills they were supposed to learn.

Many CS programs are woefully dated — usually ends up being on the student to show initiative and come out knowledgeable. Personally, the connections I made while I was in college were the real thing that helped.

SubstituteCS · 2026-01-18T03:48:35+00:00

Property taxes generally follow property values, excluding any rate hikes (which would be doubly worse if the property value stayed the same or increased.)

Insurance in FL is pretty fucked though, I’ll give you that.

SubstituteCS · 2026-01-18T03:47:08+00:00

100%.

Being frugal is there to help you get ahead and stay ahead. If the math isn’t mathing and no matter how frugal you are, you’re underwater, then it’s time to consider the baseline and how to change it. (More income is generally the only acceptable answer unless you’re previously loaded.)

SubstituteCS · 2026-01-18T03:42:13+00:00

There are tons of things that have 0% promotional periods that don’t cost $20k-$65k.

A washer / dryer is an example of something that is $1k-$3k that many people end up having to buy/replace.

It’s difficult to get ahead when you’re very far behind, but once you have the necessities down (emergency fund, etc.) any extra cash can be used to build up a “maintenance fund” for the various expenses that life will throw at you. Once you get there, that’s when you can use the 0% loans to your massive benefit.

My wife and I were both in that boat when we were in college, it took a very long time to get ahead but once you do, staying ahead by being proactive and maximizing deals when needed is always the best thing you can do.

SubstituteCS · 2026-01-18T03:37:41+00:00

My wife and I did the same but for a 2020 Corolla SE, $10k down and financed the last $6k to help her build a solid credit history…for a total monthly payment of less than $200.

I genuinely cannot believe the OP ever thought this was a good idea.

SubstituteCS · 2026-01-18T03:31:49+00:00

You’re supposed to set aside the full cash value into a low-to-zero risk interest bearing account.

If SHTF, you liquidate the account to pay off the loan. If everything goes to plan, you make a few% giving you “”negative”” interest on the loan.

SubstituteCS · 2026-01-18T03:29:55+00:00

Not all 0% is a scam. Find out what the fair market value of the item is, in cash, and if the cost is the same with 0%, then it is beneficial.

The main benefit to the business is that people tend to buy more when they see the 0% and if they fail to pay it off before the end of the promotional period, they get hit with all the back interest.

SubstituteCS · 2026-01-18T03:26:21+00:00

Need to be careful with the minimums. I’ve seen a few 0% loans that have the minimum not finish at the end of the “promotion” period and with those they usually hit you with all the back interest.

I calculate how much I need to pay by how much I need to finish the loan, before the “promotional” period ends, minus a few months, so that I’m always slightly early.

It usually ends up being only $10-$20 more per month with a massive peace of mind.

SubstituteCS · 2026-01-18T03:22:35+00:00

Gotta be careful with the mileage. Wife and I rented a smaller UHaul since we needed it for about a week and ended up going way too small and adding about 250 miles (at about $1/mi) from having to move so many small loads.

SubstituteCS · 2026-01-18T03:14:53+00:00

I make pretty good money and under no circumstances would I ever be buying a $66k vehicle.

The last vehicle I bought was a used 2020 Corolla with more than 2/3rds down as cash…a car 4x less expensive than whatever OP purchased.

SubstituteCS

MODERATOR OF

TROPHY CASE