• 0 Posts
  • 8 Comments
Joined 2 years ago
Cake day: June 2nd, 2023
  • SpacePirate@lemmy.mltoFree and Open Source Software@beehaw.org•We have to solve the money problem!
    2·
    1 month ago

    They haven’t updated their wikis for Operating Costs or Hosting since late 2022, somewhat aligned with their blog post on handling the mass influx of users from “E-day”.

    Back then this was 6 AMD 5950 16/32 with 128GB of RAM and 2x3.84TB SSDs, with one “storage provider” with an AMD epyc 32/64 with 400GB of RAM and 10TB of storage.

    Their hosting provider doesn’t offer these same SKUs, but roughly equivalent could be about €200/mo for each of the former, and the beefiest high RAM option is like €800/mo, totalling €2K/mo?

    Curious how much the infrastructure has grown, but I haven’t seen anything else. Even so, these costs are extremely high.

  • SpacePirate@lemmy.mltoAsk Lemmy@lemmy.world•What's the best way to save up for a car? USA
    10·
    5 months ago

    In short, since this is somewhat near term, you probably want as little risk as possible, so stocks are not recommended.

    Said longer, a high interest savings account or bond fund at 2-3% is probably your safest bet, but you also need to consider the opportunity cost— tariffs WILL increase the price of a new vehicle this time next year, so are you planning to buy new? Does it make any sense to buy now and refinance later? Tariffs could be as high as 25%, depending on which way the wind blows (country of origin, assuming new, etc).

    Opportunity cost aside, what’s your spending target, how much do you have saved already, and how much does optimizing on interest rate actually help?

    From $0, saving $300/mo for 3 years at 0% interest is $10,800.

    At 3% interest, the same total after 3 years is $11,127, which nets you $327. That’s not nothing, but even an insanely optimistic 10% is ~$1100, but you would be just as likely to lose money.

    Your needs and risk profile are yours alone, we’d need a lot more information to say more than “low risk and buy used”.