Adam
 
Member #36
Posts: 1,528
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Post by Adam on Jan 20, 2009 18:19:40 GMT -5
The only thing I have is a personal loan. I want to get out of my parents house next year and I'm not going to rent an apartment. Need to build credit for future purchases. Hard to buy a house with unestablished credit I'd imagine. My wallet doesn't have any credit cards in it now but should soon enough If you don't have any student loan or credit cards, one personal loan will help buy won't build you a whole lot of credit. If someone is going to give you a mortgage to buy a house, your going to have credit established from a variety of agencies that that have you in good standings. |
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Post by arundlemcbrundle on Jan 20, 2009 18:25:14 GMT -5
your also gonna need 20% to put down on the house. 300000K house = 60000K needed plus good credit.
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Post by Buffalo Phil on Jan 20, 2009 18:28:59 GMT -5
0 loans
0 credit cards
0 debt
Off to a decent start. I wont take out a loan either unless it is for a car or house.
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Post by hippie-metal on Jan 20, 2009 18:31:19 GMT -5
i am only 1900 deep now thank god!!! fawking plastic cards
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Post by Dr. Thunder on Jan 20, 2009 18:31:21 GMT -5
The only thing I have is a personal loan. I want to get out of my parents house next year and I'm not going to rent an apartment. Need to build credit for future purchases. Hard to buy a house with unestablished credit I'd imagine. My wallet doesn't have any credit cards in it now but should soon enough If you don't have any student loan or credit cards, one personal loan will help buy won't build you a whole lot of credit. If someone is going to give you a mortgage to buy a house, your going to have credit established from a variety of agencies that that have you in good standings. Hence why i'm looking around for a credit card. I'm not looking for advice, simply stated why I had it. My credit report now shows 1+ thing and that is my loan cause it's always paid on time. |
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Post by Dr. Thunder on Jan 20, 2009 18:33:38 GMT -5
your also gonna need 20% to put down on the house. 300000K house = 60000K needed plus good credit. Sure putting 20% down is good but you don't need it. It will just help your rate. My plans are to save up the 20% before I move out anyways. Who the hell buys their first house at 300,000 dollar and at 21 years old or less anyways? |
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DUG
Member #13
Interests - Not Rolling
Posts: 3,976
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Post by DUG on Jan 20, 2009 18:34:31 GMT -5
I don't have college/student loans. Parents & Grandparents invested wisely for me when I was young. Both jeeps I paid for in cash. I have 1 credit card. I pay the balance every month and its usually only $100. I live at home still. I'm saving money pretty fawkin fast lately... Esp w/ these lowering gas prices. = lower commuting and wheeling costs.  I put 15% of my paycheck into a 401K as well.  |
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Post by Quartney on Jan 20, 2009 18:42:48 GMT -5
*jealous of everyone lucky enough to not have college payments*
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Post by jeepless on Jan 20, 2009 18:49:05 GMT -5
yeah thats it lol i have an associates and a bachelors, im working full time and going back for nursing. i get bored easily? i dunno hahaha im sitting behind a desk now...i dont like it...i want to get nursing, get started in a hospital, and then get a masters in bio, then lastly go back for culinary, and maybe after that sign language.  im interested in a lot of things so your going to be able to be a chef who works in a def kitchen, can treat any injuries and know the exact makeup of all the food? |
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Post by CumminsJeep on Jan 20, 2009 18:52:50 GMT -5
a debit card,a credit card, random business cards, my license, school ID, hunter ID cards, and a lack of cash
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Post by Quartney on Jan 20, 2009 19:36:56 GMT -5
yeah thats it lol i have an associates and a bachelors, im working full time and going back for nursing. i get bored easily? i dunno hahaha im sitting behind a desk now...i dont like it...i want to get nursing, get started in a hospital, and then get a masters in bio, then lastly go back for culinary, and maybe after that sign language. im interested in a lot of things so your going to be able to be a chef who works in a def kitchen, can treat any injuries and know the exact makeup of all the food? gues so hahaha |
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Post by littlelegs13 on Jan 20, 2009 19:40:17 GMT -5
thanks ryan for being an ass
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Post by rckrdyxj on Jan 20, 2009 19:59:04 GMT -5
I dont know if there is anything left of my 401k. at the end of summer i had about $3500 in it and i dont know if there is anything left of it (its in a n IRA right now) and i havent had a chance to look at the most recent statement.
I need to start paying more towards my debts, i usually try to double the minimum payment but obv thats not always possible. I think if i keep doing that along with using my tax return to help out with bills i should be below the 50% paid off mark by summer ish. I hope. Then i need to save for a home/condo/appt.
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Pedro
Watch out for that.... tree
Posts: 4,115
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Post by Pedro on Jan 20, 2009 20:01:41 GMT -5
36 bucks
AAA card
Auto zone rewards card
cluck u gift card
credit card (from parents for eemergencees)
debit card
drivers license
school ID
HS freshman year ID from 2002
assorted business cards
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Lawn Guyland
HMC PR Representative
wheelin' since '88
Posts: 1,727
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Post by Lawn Guyland on Jan 20, 2009 20:04:22 GMT -5
mmk let's see.
drivers license.
debit card.
adam's AAA card.
victoria's secret credit card.
raush creek membership card.
health insurance card.
credit card that doesn't work.
nassau county PBA card.
BJ's membership card.
old swipe card from work.
uncle's business card.
some money.
lots of coins.
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im interested in a lot of things
