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NVIDIA 4000 Series

Only if you can afford to pay the whole item off anyway,and paying on credit nets you an advantage. There are plenty of people throwing money at tech who clearly can't afford it IMHO. Once the era of cheap credit runs out it will be interesting to see how the market goes.
Yeah can't argue that, but it's their choice at the end of the day.
 
The big issue is the era of cheap credit can't last forever and too many companies have been relying on it to jack up pricing. Infinite increases in a finite market will eventually hit a wall.
Yeah I see that. It's a tough one. Corps are going to leverage the market in any way possible to maximise profit, so we're kind of at their mercy. There seems to be a trend where more people are fighting back and not buying 4000 series cards cos this greed has gone on too long. The OCUK community is just 'a %' of the market though so time will tell what happens, ie 5000 pricing. I don't think nvidia are gonig to suddenly crap themselves and make the 5000s 50% less expensive mind and people aren't suddenly going to stop buying, unless they literally can't. Surely manufacturers won't price out all their market though? They can't be that stupid/arrogant?
 
I'm resigned to feeling like I'm screwed this generation or the next. I keep an eye out on the reviews for the info I'm after (but never find). What I'm looking for is the least wasteful - and while that's looking like going with the pro-raster (let RT develop for a few more years)... if there was good information out there, it would really help.
What would the good information help you with?

If you're upgrading from a high-end card already, the conclusion for 1440p UW is pretty much the same as 1440p or 4K: they're all bad value in raw money terms.

My opinion would be that the least wasteful card for 1440p UW is a 7900 XT @ £700 or if you want ray tracing: a 4070 Ti Super (as close to £750 as you get one). I'd consider anything less to be underpowered.
 
Yeah I see that. It's a tough one. Corps are going to leverage the market in any way possible to maximise profit, so we're kind of at their mercy. There seems to be a trend where more people are fighting back and not buying 4000 series cards cos this greed has gone on too long. The OCUK community is just 'a %' of the market though so time will tell what happens, ie 5000 pricing. I don't think nvidia are gonig to suddenly crap themselves and make the 5000s 50% less expensive mind and people aren't suddenly going to stop buying, unless they literally can't. Surely manufacturers won't price out all their market though? They can't be that stupid/arrogant?

I honestly don't know because it's been shown again and again that companies in the Europe/US have retreated from "lower tier" but still profitable higher volume markets(because it's all about margins),and companies from Asia and elsewhere in the world have filled the areas. This is why we now have Japanese,South Korean,Chinese,etc companies having a Global presence in certain industries. OFC,when it comes to computer gaming we basically only have AMD,Intel and the console companies who are the only counter influence,so we are sort of in a crap scenario! :(
 
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Only if you can afford to pay the whole item off anyway,and paying on credit nets you an advantage. There are plenty of people throwing money at tech who clearly can't afford it IMHO. Once the era of cheap credit runs out it will be interesting to see how the market goes.
I mean, that's the point that's been made multiple times, and hence the reason @Amraam stated "Your money stays in your bank longer earning you interest."
 
I mean, that's the point that's been made multiple times, and hence the reason @Amraam stated "Your money stays in your bank longer earning you interest."

Maybe,but the reality from my own experience I have seen plenty who certainly didn't and just bought stuff they really couldn't afford. That is sadly the reality of how credit is used by too many people.

It's no wonder UK consumer spending has gone down:

Too many people are over-leveraged. People are underestimating how much of our retail spending is driven by cheap credit. People being responsible with credit is not the majority it appears:

Britain’s biggest high street lenders expect the sharpest rise in defaults on unsecured lending since 2009, according to a Bank of England survey, as households come under growing pressure amid the cost of living crisis.
The figures from Threadneedle Street show banks expect a marked rise in the number of people who fail to meet repayments on credit cards, loans and other forms of unsecured borrowing over the next three months.An index of lenders’ expectations for defaults in the first quarter of 2024 showed a reading of +31.7 on the Bank’s credit conditions survey. If the forecasts are accurate, it would mark the sharpest quarterly rise in defaults since late 2009 during the global financial crisis.

One of the biggest forms of unsecured borrowing is also for cars. In the US alone it's $1.6 trillion!
 
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I mean, that's the point that's been made multiple times, and hence the reason @Amraam stated "Your money stays in your bank longer earning you interest."
I'm really not great with money, not terrible but could be more sensible. 25% of my salary goes on 0% interest PCP Tesla Model 3 payments :eek: But I chose to pay £0 down and pay higher monthlies so it's more like a loan, but it means I'm holding on to the money for as long as possible. I've essentially dropped my monthlies down a bit because I'm bringing in about £70 a month interest on the money that otherwise would have gone as a down payment.

My point is just as you say, it might be harmful for the overall situation, but we can only really control what we do that affects us directly, for me I'd much rather pay for a 4090 FE over 2 years on 0% finance than chuck away the £1600 right there. I haven't done either, FYI, though I was really close the other night. Sanity caught up with me :cry:

EDIT: just caught up on the messages above, and we're all correct - it's just a crappy world we're in. "You'll own nothing and be happy" is becoming more and more trivialised as we head more and more towards a Cyberpunk style world haha. Look at energy, mortgages, cars. It doesn't help that we're all glued to our tech devices and making fed ******** that makes us think we need these luxuries. Says me who's currently considering spending £150 on RGB fans because "why not".
 
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With all this talk of money. PC gaming has become to ‘rich’ for me. I can afford to buy the 4090 and almost did in the last drop. However, the now sensible me (40 plus year old) thought:

1) That could be partway to a Holiday with the family
2) That could be a Holiday.
3) That could go towards the new kitchen I’d like.

My other thought was and I do hate saying this, the XBX serves my very occasional gaming needs, yeah it’s no where near a PC gaming experience but it’s also no where near the cost either. Plus, no driver updates or windows updates. Just wish I could install my forward trust cert of my firewall for SSL decryption.

Ive been a PC gamer since the 386, I think this will be my last home built PC - unless the industry changes its trend on increasing prices - pigs might fly.

Wont stop me looking at these threads and wishing times were different though.
 
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With all this talk of money. PC gaming has become to ‘rich’ for me. I can afford to buy the 4090 and almost did in the last drop. However, the now sensible me (40 plus year old) thought:

1) That could be partway to a Holiday with the family
2) That could be a Holiday.
3) That could go towards the new kitchen I’d like.

My other thought was and I do hate saying this, the XBX serves my very occasional gaming needs, yeah it’s no where near a PC gaming experience but it’s also no where near the cost either. Plus, no driver updates or windows updates. Just wish I could install my forward trust cert of my firewall for SSL decryption.

Ive been a PC gamer since the 386, I think this will be my last home built PC - unless the industry changes its trend on increasing prices - pigs might fly.

Wont stop me looking at these threads and wishing times were different though.
It's quite sad to see this, but you're not wrong dude. I can't help but see my time in my other hobby, RC helicopters, being limited too. Weather is just as bad as the economy now, so they spend too much time just sat there looking good on the shelves.
 
It's quite sad to see this, but you're not wrong dude. I can't help but see my time in my other hobby, RC helicopters, being limited too. Weather is just as bad as the economy now, so they spend too much time just sat there looking good on the shelves.
I won’t lie, I’ll miss it. I love(ed) building machines. I’d love the build up to new releases. I think I’m now looking at saving for retirement versus that next shiny. I’m sure Jenson has a nice new Rolls or house in the palisades though…
 
I won’t lie, I’ll miss it. I love(ed) building machines. I’d love the build up to new releases. I think I’m now looking at saving for retirement versus that next shiny. I’m sure Jenson has a nice new Rolls or house in the palisades though…
I'm heading towards that mindset too, but I rely on 'things' for my wellbeing too much right now. Long story but I'll learn one day
 
It's interesting to hear peoples perspectives on electronics/finances. I don't see the hobby as all that expensive, just make savings where you can:

7800x3D: £307
Asrock B650 Pro RS Wifi: £140
32GB 6000mhz CL30: £121
SSD 2x 2TB: £220
Air Cooler: £17
Case: £65
5x 140mm Fans: £30
4090 FE: £1,579

Total: £2,479

To me, cars valued at more than £10K are a waste of money (and I bought mine outright since 2nd hand cars are rarely interest free)...

By next January, the 5090 should be announced/released and it will be time to upgrade :D
 
In comparison to other hobbies it’s not really that expensive. Pretty sure my mate spends more on a single golf club than I do on a GPU…

Largely agree with what others have said about credit. If you can afford it outright but are using credit to spread cost / use the money elsewhere then I think it’s no issue. It’s where people can’t afford it and are living above their means when it becomes concerning.

I saw Domino's Pizza doing a ‘pay in 3 installments’ promo last week and I have so many issues with it.
 
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I saw Domino's Pizza doing a ‘pay in 3 installments’ promo last week and I have so many issues with it.

I'm not surprised - we used to get in Domino's sometimes on a Friday night at work, at some point the price just went nuts - I can't remember exactly but what we used to pay for all 5 on the team barely covered 1 person so we stopped.
 
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