u/wwwsuh

Should I pay off a loan with a low interest rate (3%) or not?

I have some loan for my apartment, the interest rate is 3%. I have enough savings to pay it off, but am thinking that it might be better to stick to the monthly payments and keep the savings in accounts with higher interest or return rates.

Also, I've been paying additional few hundreds towards the principal every month, thinking that it would shorten the time to pay off, but does that even make sense, if I were to apply the same logic?

I'm bad at finances, what am I missing here? Please advise.

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u/wwwsuh — 4 days ago

Strap extender?

Got the form leather strap standard length, absolutely love it, finally decided to go with a non-black strap (amber) after 20 years of shooting.

One request is to have a short extender of some kind. An inch or two long would be amazing. Attaching my idea, please don't laugh, no product designer here. :)

And this could be used for so many things other than just extending straps.

u/wwwsuh — 5 days ago

X-E5 / Sony A7IV

Originally a Nikon user, went to X-T2, then settled with Sony (A7R3, A7C, A7IV). Recently got myself the X-E5 + 23mm f/2.8 for EDC, played with it for a few days, TLDR, love it, Fuji seems to have come a long way since the X-T2, am definitely keeping it.

Just wanted to share a few observations with two photographs, one with X-E5+23mm f/2.8, the other with Sony A7IV+24mm f/2.8 G in crop mode—the only change I made were a little bit of trimming to match the field of view and the white balance with the gray scale chart.

AF seems to have hugely improved over X-T2, this was one of the main concerns buying this camera, I'm so happy. I have to point out that it's not as good as Sony, which I can simply forget about (not worry about) AF and just keep shooting, while the X-E5 seems to be finicky at times, hunting every once in a while.

Film simulation—remembered how I was not a big fan of their film simulations when I used the X-T2, and finding that's still the case, but this is probably a personal preference thing. Not that I'm only shooting RAW, I kind of wish I could map the film sim dial to something else. Not sure what though. Haha.

Colors (RAW) are pretty good. Tonally, Sony seems to capture subtle gradients or nuances a little better, probably FF VS APS-C thing, the differences are extremely subtle, but noticeable—I hope the attached photographs helps to see this. Accuracy-wise, I always thought Sony was the most accurate, I was wrong. Just looking at the untouched RAW, Fuji colors seem closer to the real thing. It could very well be that both my BenQ (PD 3220U) and Wacom Cintiq (Pro 27) are not properly calibrated, but on both, Fuji seems more accurate.

Image quality wise, feels really good so far, but sharpness slightly lacks compared to Sony.

Exposure wise, Sony seems to slightly under-expose (or Fuji slightly over). (used the same spot metering)

The lack of grip is not an issue for me, I'm a 100% strap person, never trust my clumsy hands.

Power on/off time feels slightly slower than Sony, but none of these come any where close to some of the DSLRs, so I'm okay with it.

Batter life, kind of short, am considering getting another battery.

Memory card access is really difficult even with my small hands.

Look and feel, really in love with the overall design. I wish the grooves in the top plate dials were a bit deeper, they feel kind of slippery. Eg, when I try to adjust the exposure comp with my thumb, I struggle a bit.

Thumbgrip, I tried using one with X-T20, gave up because no matter how thin and all, it still interfered with the top late dials, still the case, gave up on it on the first day. (I got the SmallRigs one).

I hope this super short first-impressions are helpful to any Sony user considering the X-E5, or vice versa.

u/wwwsuh — 7 days ago

Sony colors on Fuji

A current Sony users here, but love Fuji colors for streets and people, so I ordered the x-e5, but in back order at the moment.

That said, sometimes, I will need the so-called surgically accurate colors from the latest Sony bodies for shooting art works. I would imagine that this is achievable with Fuji bodies too, via RAW...but wanted to see what everyone thought.

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u/wwwsuh — 11 days ago
▲ 39 r/HiTMAN

Will there be any easter eggs when I get there? If you know, please don't tell me.

u/wwwsuh — 22 days ago
▲ 297 r/HiTMAN

Does ti make sense that this expensive hotel doesn't even give you basic closets?

u/wwwsuh — 24 days ago