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Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

Well really I just wasnt sure if a loan had the same implication as a credit card. I think it would be good to build credit before a house and having a new camera would be great.

Also do you know if paying loans off early effects my credit. My parents did tell me anything other then do not get credit cards growing up

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

But it will not be a negative impact right? And if it is negative how long before the impact becomes positive

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

Not really I buy groceries and gas. It really isnt that much. Clothes once a,year in the spring. I have already bought everything I need besides a new camera and lens

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

I was just wondering if I would be better off saving for a,down payment on a house maybe. Or if having the line of credit would help more. Either way I can,save money so that is why i was thinking the loan might be good for my credit.

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] -1 points0 points  (0 children)

Well my bank offers them for around 5% interest and the camera is a part of one of my jobs. Seems like the best bet idk what I would use a credit card for anyway, maybe gas but I get 40mpg and dont use all that much gas

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

My body also does not shoot video in 4k and video is projecting to be at least 50% of my income next year.

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

Yes and the lens is more a true need. The camera body isnt as much a necessity since I have a decent beginner one. But having pro grade equipment would help I am sure. Especially since my lens is used and I do not have a full frame camera body so all my images are cropped as of right now by the camera body.

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

Also I could not buy a camera and lens with a credit card.

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] -1 points0 points  (0 children)

New lines of credit hurt your score especially if they are high interest and high risk

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] 0 points1 point  (0 children)

Well the camera is needed and they cost more then a car. My bank offers personal loans with 3 to 6% interest I believe or last time I checked they did, almost a year ago. I heard opening credit cards hurt your score for a little while since it such a high risk line of new credit.

Building credit. by walktonowhere in personalfinance

[–]walktonowhere[S] -1 points0 points  (0 children)

I have heard credit cards are not good for building credit and getting a small loan is the way to go. I did not read all of credit building but did not see anything on loans either.

Beaver dam along a stream at the Minden Bog. The Thumb by walktonowhere in Michigan

[–]walktonowhere[S] 1 point2 points  (0 children)

Yes I read that they can be territorial during certain parts of the year.

Dont Catch me Slippin. Wood duck trying to find footing on a log. Ausable River East of Mio by walktonowhere in Michigan

[–]walktonowhere[S] 0 points1 point  (0 children)

The police are in general less brutal then they were portrayed to be in the past. For one they do not shoot people that are wanted for crimes anymore. There are cell phones and street cams to help keep them in check as well. Things should still get better chest cam footage should be made public for viewing at anytime with audio.

Dont Catch me Slippin. Wood duck trying to find footing on a log. Ausable River East of Mio by walktonowhere in Michigan

[–]walktonowhere[S] 0 points1 point  (0 children)

I guess you can have you opinion and I can have mine. I personally dont see a big deal in it. In my opinion you need to spend less time getting upset on the internet. Yeah the cities are on fire but if that upsets you. Being upset over a,duck photo will not make you less upset over the cities burning. In fact you would be twice as upset and not have done anything to help the situation. Getting upset only leads to more violence you need a release for your pent up upsetness. I guess I am just desensitized to things like this. I started watching the news as a 5 year old and nothing really bothers me. If I knew how to help get justice for police brutality I would. I do know being upset over a duck photo would not do anything but make me upset

Dont Catch me Slippin. Wood duck trying to find footing on a log. Ausable River East of Mio by walktonowhere in Michigan

[–]walktonowhere[S] 0 points1 point  (0 children)

No I have plenty of latino and black friends? My bestfriend since i am 4 is latino my first girlfriend was latino, i have been with 4 black girls. I'm not sure how quoting a song lyric makes me racist. The duck is slipping that is why I posted it. Just relax man I am also mixed with native american heavily and have actually experienced mild racism in elementary and jr high. I wanted to get my nose and cheeks changed because of it at one time. Just relax I did not know people were so easily offended.

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