stocks

[Coronita]

The motherboard is an MSI x470 Gaming Plus, and has both a one slot that is an M.2 and one slot that is a M.2/SATA hybrid that can accept either one….

The Intel 660p is a M.2 SSD, with supposedly good transfer speed and is at a cheap price around (I think newegg has them for $88 now) …They are good, if it works. Apparently, the reviews from others were less than stellar about reliability. Some ran into the same problem I had. Some had the SSD fail after a few weeks/month of use… I decided to send it back and got a different brand: ADATA XPG, with 3500MB/s and it worked right off the bat. I couldn’t even see the intel SSD in the BIOS setup.

MSI has a pretty good compatibility matrix on their support site. I was able to get a decently priced 16gb DDR4 to run at 3200 with very little effort.

I haven’t tried to overclock things massively yet. I don’t think there is much headroom for overclocking the 2700x, especially using the stock cooler.. And I don’t want to spend the money on more expensive cooling, which would defeat the purpose of having a low cost system… Slightly over half of the cost was in the cpu and motherboard… The rest of the cost was on storage/gpu/powersupply/case/memory…If I have to ditch those for the new x570 board and a 3700x or 3950x, the waste is about $360 (I got the x470 board at a steal price).. everything else should transfer over…When pcie4 drives are available at a cheaper cost, that certainly would be tempting to add another drive.

[gzz]

I had a $250 samsung ssd fail a week after install. It was suddenly just empty but working normally.

I still have it, but downgraded it from hosting my OS to a backup drive.

This was about 3 years ago.

I’ve had HDs fail, but never after a week.

[Coronita]

stocks on the rise again. indexes all up. gold up.. s&p all time high.

more case for indexing…

[Coronita]

Record high stock market close. lol. Party like it’s 1999.

[spdrun]

1999 was followed by 2000 … I’ll settle for 1999 indeed.

This market runup is odd — people are claiming that it’s based on the Fed planning to cut rates at end of July, but the 10y bond actually fell over the week. (Rate went from under 2% to ~2.12%)

Why a rotation out of bonds?

[svelte]

[quote=flu]Record high stock market close. lol. Party like it’s 1999.[/quote]

I’ll wear by raspberry beret.

[Coronita]

This is what doing an auto deposit of $260/month into one vanguard account containing a basket of passive index funds for the past 10 years beyond the initial $20k seed deposit and maybe additional one time deposits totally $50k distributed along the 20 years looks like… Basically instead of two nice dinners each month…no frills, no guess work, no market timing. Not trying to get the highest returns each year.
You snooze, you lose

[img_assist|nid=26835|title=vanguard|desc=|link=node|align=left|width=100|height=79]

[henrysd]

[quote=flu]This is what doing an auto deposit of $260/month into one vanguard account containing a basket of passive index funds for the past 10 years beyond the initial $20k seed deposit and maybe additional one time deposits totally $50k distributed along the 20 years looks like… Basically instead of two nice dinners each month…no frills, no guess work, no market timing. Not trying to get the highest returns each year.
You snooze, you lose[/quote]

Last 10 year happened to be one of best return period for stocks with S&P 500 return 14-15% compounded annually with dividend reinvested. But if you look at the market in the first decade of this century, it was negative for 10 year span. The annual compound return for S&P for this century from Jan 1 2000 (19.5 years) is just under 6%, lost even to junk bond by a decent margin.

I doubt we will see annual double digit return for the next 10 years.

[Coronita]

That return was since I started 20 years ago. The first 10 years included the great recession/crash of 2000 and 2001.

So I guess the question is… Which is more a likely outcome. Guessing when you can time the markets to get in and out before the peaks and valleys hit.. Or just leaving it in there a long time until you actually need the money….

And besides, like I said $260/month every month over 20 years…$260/month!!!! That same money, the average stupid american would have spent it on a stupid new iPhone and macbook which ROI would have been eventually $0…. or 3 tanks of gas for their overly large SUV….

I’ll take the brain dead approach for this small part of my net worth…..Meanwhile, there’s other sources of income….

[ltsddd]

DRIP and Profit-locking (aka buy low, sell high) are not mutually exclusive.

[Coronita]

[quote=ltsdd]DRIP and Profit-locking (aka buy low, sell high) are not mutually exclusive.[/quote]

DRIP investing assumes a regular interval contribution to a passive investment that you don’t muck around with.

Trying to “buy low or sell high” is market timing and wouldn’t be considered DRIP “investing”….

Regularly saving money off to the side also isn’t DRIP investing.. It’s DRIP savings….

If you’re regularly saving and then trying to move a large chunk into the markets at the low points, even if it’s just a basket of index funds, that’s market timing and not drip investing. My coworker had $20k extra from a bonus and wanted to start investing in the stock market last year. He wanted to move the entire $20k at once into a backet of index funds when he thought the market was low. I advised him against that, and told him beyond moving the $3000 initial required investment into a index fund, just spread the rest of the $17k over a timed automatic investment into the same index fund…. He didn’t listen and moved the entire amount into one index fund thinking he could time the markets… It didn’t work out, and the market went down, and so did his net worth. Had he just made regular small contributions into the same index fund each month, he would have caught both the high and low points and done better this day.

[Coronita]

[quote=ltsdd]DRIP and Profit-locking (aka buy low, sell high) are not mutually exclusive.[/quote]

DRIP investing assumes a regular interval contribution to a passive investment that you don’t muck around with.

Trying to “buy low or sell high” is market timing and wouldn’t be considered DRIP “investing”….

Regularly saving money off to the side also isn’t DRIP investing.. It’s DRIP savings….

If you’re regularly saving and then trying to move a large chunk into the markets at the low points, even if it’s just a basket of index funds, that’s market timing and not drip investing. My coworker had $20k extra from a bonus and wanted to start investing in the stock market last year. He wanted to move the entire $20k at once into a backet of index funds when he thought the market was low. I advised him against that, and told him beyond moving the $3000 initial required investment into a index fund, just spread the rest of the $17k over a timed automatic investment into the same index fund…. He didn’t listen and moved the entire amount into one index fund thinking he could time the markets… It didn’t work out, and the market went down, and so did his net worth. Had he just made regular small contributions into the same index fund each month, he would have caught both the high and low points and done better this day.

Market timing might work a few times if you are lucky. It’s unlikely you are smarter than the markets over the longer period of the time… I am sure if you ask some folks that sat out the markets for the past 10 years waiting for the big crash, the their investment accounts will tell a story whether trying to outsmart the markets actually worked….

[ltsddd]

[quote=spdrun]Retracing the same highs it’s been bouncing off since early 2018. Stagnation for 18 months, impressive.[/quote]

It’s been oscillating for a while. More power to you for recognizing the pattern and hopefully profiting from it. Most of the Asian markets are down 2+ percent on (their) Monday. Looking for US and Europe to follow suit.

[Coronita]

Looks like Charlie from SemiAccurate was right exactly 1 year ago before the official AMD Epyc Rome launch…

Blast from the past 8/7/2018:

Intel has no chance in servers and they know it

And now 8/7/2019:
https://www.anandtech.com/show/14694/amd-rome-epyc-2nd-gen
https://www.tomshardware.com/news/amd-epyc-rome-7000-series-data-center-processor-zen-2-7nm,40108.html

$3000 less than a Intel Xeon processor for 64 cores. Ouch. That’s got to hurt. I guess for $3000 more with less cores, Intel will throw in 5 security flaws for free, lol.

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