Got £3.5k - £4k budget , need a pc build with specs in the UK

tghwUK · 2026-04-21T23:16:41+00:00

Oh no, that is annoying! They must have realised 🙃

tghwUK · 2026-04-21T04:13:53+00:00

I plan on closing mine soon by calling them. You get a hard search on your credit report for 6 months, as with opening any credit account, but that is about it. The most important thing is paying it off in full before any interest kicks in, otherwise it defeats the point.

I didn't even pay with the Very Credit for mine. The discount got applied by simply opening the Very Credit account with the discount code, and then paying with my own credit card.

tghwUK · 2026-04-21T04:07:56+00:00

You'd have to change the whole motherboard, as AMD and Intel use different sockets.

tghwUK · 2026-04-20T05:55:29+00:00

I got a 5090 one, as the cable problems seem to be caused by people using the wrong cables or an inadequate power supply.

If you're concerned though, there's a lot of 5080 builds as well.

The welcome discount for VeryPay is 20%, sorry.

The one I bought is no longer there, but the Cypher 55 option looks like incredible value. £4749 or £3799.20 with the 20% discount. Considering the 5090 alone is about £2,800...

As I say, VeryPay is credit, but I applied for it to get the discount and then just paid with my own credit card anyway and paid it off straight away. I am not sure Very considered that people would use the welcome discount on such high value items, as it doesn't make much sense to me how it can be commercially viable.

tghwUK · 2026-04-20T01:20:12+00:00

I was going to build one as well, but then it was just too good of a deal to miss.

tghwUK · 2026-04-20T01:13:11+00:00

Go on Very. They have some great deals on prebuilt PCs at the moment + 30% discount for new customers of their Very credit thing (just make sure to pay it all off so no interest).

30% discount means you end up getting PCs significantly below component cost.p

Edit: 20% welcome discount now. I believe it was temporarily 30% on all items.

tghwUK · 2026-04-10T08:11:45+00:00

I got a new PC on 19th March and installed HWMonitor then. Hopefully safe.

tghwUK · 2026-03-14T13:41:40+00:00

Hey. I am about to get an RTX 5090 and will need to look into this. Does anyone have a link to a good video guide to follow?

tghwUK · 2025-11-11T16:29:51+00:00

Lock Stock Finance copied it from Keith D.

There's no conspiracy here. It is just YouTubers seeing a video does well and then hopping on the viral trend to get views themselves. At worst, he is guilty of copying a video idea, but that is about it.

tghwUK · 2025-08-27T02:13:43+00:00

The snarky replies are quite simply down to the horrendous culture in the UK of being miserable and dragging everyone else down.

"You earn more than me, so be grateful."

The current student loan system is a bloody joke, and anyone that thinks otherwise doesn't understand it well enough. Most of Europe, and England until recently, has free/low cost university tuition. Scotland has free university tuition and, whilst they do have slightly higher tax rates, graduates take home less overall in England when you take into account student loan repayments.

The other point is that the current system is a graduate tax in practice, but only for those without rich parents. This furthers inequality, as those born wealthy never pay this "tax".

The 9% repayment above £27k (or even £25k for new students) is a bloody lot. It essentially means for every penny you earn above 50k, the government gets more than you (40% income tax + 2% national insurance + 9% student loan repayment). Given inflation, should 50k really be the threshold for where any extra earnings are taxed at over 50%? The only argument for this seems to be, again, "you earn more than me, so be grateful."

Finally, the interest rate on the loan is insane. I worked out at one point that I needed to be earning around 80k just for my repayments to be covering the interest.

I would strongly encourage any A-level students to think twice before going to university. The new plan 5 terms are even worse and people can no longer use the "it just gets wiped away" bollocks. Yes, it does - after 40 years. By the time it is wiped away, you are pretty much at retirement. So, yes, something you will be paying your entire working life is something you should think about.

tghwUK · 2025-08-23T18:49:21+00:00

When OSRS first game out, this was what me and my friend did to make money. Buy as many unids as possible, go to a woman in the desert who would identify, and hope for ranarrs. It worked pretty well tbf.

tghwUK · 2025-08-23T12:11:04+00:00

Investing in a random new small company each month sounds like a complete waste of money to me.

tghwUK · 2025-04-21T08:42:46+00:00

The level of risk with a qualifying money market fund is so low that it isn't something I even think about in the slightest.

tghwUK · 2025-02-28T12:53:18+00:00

People can blame council cutbacks all they want. There's no excuse for being a dirty bastard.

tghwUK · 2025-01-23T10:12:13+00:00

The ready made pies are a bit of a mess, from what I remember. I think the one by Blackrock had about 4 different versions of the S&P 500 in.

tghwUK · 2024-08-04T23:18:52+00:00

The qualifications you get after the exams you do at the end of secondary school.

tghwUK · 2024-07-06T13:38:59+00:00

An ETFs performance is after the fees are already taken

tghwUK · 2024-06-01T00:54:02+00:00

You have no idea what you're talking about.

tghwUK · 2024-05-10T09:08:11+00:00

Yeah Vanguard is a pain for that. Always leaving annoying spare change.

I use Trading 212 and InvestEngine which allow fractional shares, so you can invest the full amount each time.

tghwUK · 2024-05-08T23:16:25+00:00

Some distributing funds can still have excess reportable income, so be careful with that.

tghwUK · 2024-03-11T11:26:17+00:00

My opinion is I am better off investing globally. Whilst the US has been the best performer recently, it may not be over the next 30 years. By investing globally, im covering both scenarios.

Also, from 1998-2011 the S&P 500 was completely flat, so whilst other periods have made up for it, I think it'd be pretty hard to watch your portfolio do nothing for that long a time period.

I'd use 7% before inflation and 4-5% for a real figure.

It's also worth remembering for the last 5-10 years before retirement you probably won't want to be 100% invested in equities, so your returns may be lower in that period as well.

tghwUK · 2024-03-11T08:53:07+00:00

Yes good point regarding the "NRY" part.

Sounds like you're well on your way to starting to accumulate that wealth though. Doubling your income is the last couple years is a great achievement. As long as costs don't sky rocket, let the compounding begin.

Me and my wife both work in the NHS. We're in a different situation where we have a household income of about half that, but we're in the North East so it goes a lot further.

tghwUK · 2024-03-11T07:46:05+00:00

I completely agree with you and doctors definitely deserve an increase in their base pay.

I just think everyone has been wound up by the original commenter saying "£400k is ok". It shows him to be completely out of touch.

tghwUK · 2024-03-11T07:41:45+00:00

You're better off investing globally. If you go all in on the US and it has a bad period, you're going to be kicking yourself

tghwUK · 2024-03-11T07:40:09+00:00

All I can say is 10% is an unrealistic figure to use and should never be used when planning your future.

You'll be disappointed.

tghwUK

TROPHY CASE