hey guys…..i am going to major in finance in the fall and i want to know if anyone can give me their opinions on what laptop i should get…i need it to have a lot of memory and hard drive and it has to be under $ 2,000….
thanks in advance
it really doesnt matter what laptop you have as long as you have a USB number keypad and microsoft excel, you are good to go
Under $ 2K!!!?? You could get quite a laptop for that. You don’t need anything special. Check out HP’s specials and grab one with 64 bit Vista and 4GB of RAM. It should be under $ 1,000. You’ll have lots of money left over for software.
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laptop financing.I am trying to buy a laptop @ bestbuy. I want to start building my credit so I’m planning on financing the laptop. But, from what I hear, the limit on the store card is just a little over the cost of the laptop. This means that I will definitely go over the 30%. What should I do?
if you want to build your credit, i think the best thing is to purchase things on a credit card and pay off the full balance before the end of the month. To do this, only put things on the credit card that you have enough money for.
What’s a 30% rule? They don’t care how much you charge.
You should pay off the credit card as quickly as possible. If you are at the point where you are just starting out, the initial excess balance over 30% won’t really mean much — your score will already be low.
Credit cards should not be used for long term financing. That laptop won’t be much of a bargain if you add a years worth of interest to the price.
I’ve read to keep your credit score high, you actually want to keep your credit card balances at no more than 10% of their max.
If you want to build your credit, stay away from credit cards. They are way too expensive, unless you pay off the balance every month, and most of us are not that disciplined.
Instead save up say $ 500 and purchase a CD from your local bank or credit union. Now, borrow $ 500 from the same bank or credit union using your CD as contingent collateral.
The bank has nothing to lose. So, they should approve no matter what, and the interest rate is buffered by the fact that the CD makes you money as you go.
Don’t buy it using credit unless you can pay it off again the next month. Building credit is great, but only if you know how to do it and you do what you planned on doing. You don’t want to buy something, thinking you’ll be able to pay it, then something happens and you can’t. Then you are stuck with a bill that is charging you oodles of interest, and it doesn’t build the credit quite like you planned. If you have to have the laptop and you don’t have the money before you have to buy it, then have a plan (and stick to it) to pay it off as quickly as possible. If you do this, DON’T get into any other debt until it’s paid off! It is way too easy to get debts and then have a horrible time paying it off! If you end up in this scenario, you end up paying double or triple what the purchases were before you’re done–so don’t do it! unless you can pay it off the next billing cycle.
And yes, the 30% rules should still apply to store credit cards. It applies to ALL CREDIT CARDS.
to http://iobc2011.com/lenovo-s-initial-ultrabook-ideapad-u300s-review-year-of-the-ultrabook-2012/”>laptop financing
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