TL;DR: Keep your balance below %40 of your limit, and always pay the total balance before the statement close date for optimal growth.
First and foremost, my credentials: I've been working professionally at a financial institution for 3 years and have helped people apply for credit cards, make payments, and find their credit scores.
How does it work?
There are 3 primary credit rating bureaus: Equifax, Experian and TransUnion. They evaluate your spending behaviors, borrowing limits, timeliness of payments, and how long you've had lending relationships. Based off these details, they assess a "credit score" to better help other lenders determine how 'trustworthy' you are of a borrower.
How do I actually build credit?
There are several ways, actually. It's not just a credit card that gets evaluated. Things like reserve lines of credit on a bank account, mortgages, car loans, and student loans all can play a part in your credit score. In short, anywhere you are borrowing money counts toward your credit score (with the exception of borrowing a $10 for McDonalds from a friend or something).
Once you engage in any sort of lending, the fun begins. The most important part is to make payments on time. If you don't, you'll likely get hit with a late payment fee or penalty AND your credit score will go down. For things like credit cards or lines of credit on a bank account, you always want to pay your balances, or at least make minimum payments. Larger payments like mortgages or car loans should take priority when it comes to budgeting, so you definitely want to be able to make those payments first and foremost.
Despite the fact that you have to actually use these credit building tools, credit bureaus don't like it when you use them too much. Confusing, I know, but they don't want you using too much of your spending limit, because then concerns about your ability to pay it back begin to grow. Remember, credit score is basically a judgement by the credit reporting bureaus about how much they trust you to borrow, not your ability to pay it back.
IMPORTANT NOTE: APPLICATIONS, REGARDLESS OF WHETHER THEY ARE DECLINED OR APPROVED, MAY CAUSE A DECREASE IN CREDIT SCORE. A "hard inquiry" such as a credit card application is considered someone checking in on your credit, which credit rating bureaus don't like. As a result, your credit score can go down. IF YOU GET DECLINED, WAIT A FEW MONTHS (yes months) BEFORE RESUBMITTING AN APPLICATION. If the credit rating bureau sees a dozen inquiries onto your credit, they will most definitely decrease your credit score.
How do I check my credit score?
There's tons of free credit checking websites. The one I personally use is creditkarma, but you're free to check which one will work best for you. Credit checks generally count as 'soft inquiries' which will not influence your credit score, however you should double-check the websites to be sure before making an inquiry.
Ultimately, the credit bureaus are privately owned companies and not actually government regulated, but they do influence your ability to buy a house or get a car. I have a lot of personal issues with that, but that's just my take on the matter.
Credit building can begin very early with jointly owned credit cards for kids. Parents can open a joint card with their name as the primary and their child's name as a secondary and it will count as a credit building tool for both people. There may be age limits for getting a credit card, so check prior to applying!
I'm just a guy who works at a financial institution spending my free time on a PC building website forum in the off-topic section. None of this is guaranteed, certified, or in any way indicative of your personal experience in applying for, building, or maintaining credit. If you need any sort of assistance, please consult a financial expert, tax adviser, or personal accountant regarding your individual needs. I cannot guarantee the accuracy of all the above statements, nor is what I've said comprehensive to all financial situations. If you're reading this far in the disclaimer, please comment so that I may award you one upvote in the hopes of potentially gaining access to the lucrative gorkbuck store. Please consult your local grocery store or animal shelter for bananas for scale or information on dogecoin, respectively.
Ahhh, I didn't know you were running DDU. In that case, yes, that'd be the equivalent to running the same steps I detailed (actually more in-depth since it can clear nvidia drivers and registry values).
What did you have your DirectX set to previously? Only out of curiosity in the event other people have the same issue and I can point them toward a potential fix.
Ahhh, that's good information. The GFX are sounding more and more like graphic drivers issues since it's persistent across a variety of games. Give this a try.
Open the device manager, find the graphics card you have under "Display Adapters" and uninstall the 1080Ti. (Your graphics will likely get super fuzzy or the screen may go black at this point.)
Shut down the PC and unplug it.
Start the PC again and let windows find and install drivers for the 1080Ti automatically.
If you have NVidia GeForce, run the automatic driver updates as well.
I can't promise that it'll help, but it's a set of steps I've run through in the past to resolve driver issues.
I don't play GTA V myself, but I found a quick set of fixes you can try to help get the game to stop crashing.
Seems primarily like a graphics driver issue or DirectX being wonky. Give those a few tweaks to see what works. I don't know why it'd be affecting games like Halo but I'm guessing it's likely the graphics more than anything.
Let me know if any of the above options work, and if not, what happened when you tried them.
What if I'm healthier now than I was at 21 years old?
In truth, the rich and the wealthy would cordon off the fountain, exclusively provide it to the most elite among whatever back-room circles were involved, and research a way to reproduce a similarly functioning water so as to continuously maintain a private supply, ergo never allowing it to reach any actual market and therefore have no defined price.
Me personally, I'd pay about tree fiddy for that water.
Yeah, well, if that's all that person has to say, they can deal with it. I have a friend who has an orange and green colored set-up and he loves it to death. And why shouldn't he? Just because I think it looks bizarre doesn't mean he can't enjoy what he made.
If you find yourself looking at the PC and you don't think it looks good enough, there's certain things you can do to help the aesthetics. Color scheme, cable management, and RGB coloration can all help spruce up the aesthetics of a PC. I don't know that there's much in the way of performance that any of those things can do, but if you want a prettier PC, that's what I'd recommend.
Take a seat, young Root_User.
If the games seem to load slowly or take a long time to open, it might be your hard drive. Based on what you mentioned with just opening the computer, it's likely that your games and operating system are all installed onto an HDD, which can be very slow. The reason why it seems like things load faster after the PC has been running for a bit is because hard drives have a small amount of memory they can use (called a cache) to help load/launch the most recently accessed programs/files.
The best bet would be to physically open the PC's case to confirm the type of drive inside, but the only way to really 'fix' this is to purchase an SSD and shift your games and OS onto it, however this can be a timely and expensive process.
I've only recently come across this component.
I have no idea if it's legitimate, but think of the possibilities.
What a year it's been.
I got out of an abusive relationship that lasted way too long. I got a promotion at my job. I finally moved into my first apartment and I'm living with my best friend of almost two decades. I've started my own streaming channel for charity and raised over $3000 in a single year.
There's been some ups and downs, but it's been a productive year, and I'm looking forward to the next rather than dreading it. It's gonna be a good time.
I mean....throw a mounted turret on the back of the tesla truck...
Another light one that's very fun is Sweetness and Lightning. There are a few emotional moments, but it's generally happy-go-lucky and has a cooking theme.
Assuming there was no way to prevent it from happening, I'd have no choice other than to accept that it was going to happen. I'm not one to panic or get too flustered in the moment. Rather than try to cram everything I'd ever wanted to do into a tiny sitting, I'd rather go about my last day in the same peaceful and composed demeanor. I'd have some matters to attend to with family, friends, and loved ones, but that aside I wouldn't want to fill my final hours with the frantic stress of trying to fulfill every last dream of mine.
I'd inform everyone I feel should know, first and foremost. From there, it'd probably depend on what I felt like doing. Nothing outlandish or unnecessarily flashy for me, even in my final moments.
I'd set about figuring out what to send to who, among my possessions. I don't have much to begin with, but I'd probably give all my gaming equipment to my brother and all my cash to my mom. Everything else could be scrapped or donated.
From there, I'd make a more public announcement that I was going to be passing away. I head a small streaming community and I'd want to let them all know, not for the sake of attracting attention, but to let everyone be informed.
I'd have some long-distance calls to make to family and loved ones as well, but they'd probably have to be pretty brief given there's a lot of people to communicate with and I'd want to speak with them one on one.
After that, I'd probably go to a restaurant and eat whatever I wanted with nearby friends and family. I'd demand that everyone eat and drink to their own delight and I'd cover whatever the tab was (I'm gonna be dead afterwards, what do I care?) and if anyone got teary-eyed I'd tell them to put a smile on their face instead.
I doubt I'd sleep through the evening, knowing I'd be dying shortly thereafter. Assuming I had through the night to live, I'd probably write a small journal to describe my thoughts and dreams as something of an autobiography. I'd hate to leave the world without leaving something of myself behind, so for my own personal remembrance, I'd want to have something documented.
Now, depending on the 24 hour time span, if I were to die in the night, I'd probably lay in the grass and stare at the stars until I passed, or I'd watch the sunrise and wait to slip away, assuming the death itself isn't horridly painful. If it was something that was going to be agonizing in my final moments, I'd probably seclude myself somewhere quiet to privately die on my own.
Aaaaaand that's it. Nothing too crazy, I guess, but then I've never been one for grandeur, pomp, nor circumstance.
Gekkan Shoujo Nozaki Kun is hysterical and lighthearted. It actively takes every single "high school anime" trope and flips it on it's head.
What is comment karma, you ask? It is ubiquitous as it is inherent, and it's secrets lie within the mysterious wraps of the pcpartpicker community. The ancient texts describe a balance; for every good meme, there exists a troll. This balance is maintained by those who wield it, and for though they try as they might to promote the goodness of the forums, so too wages on the counteracting balance of comment karma.
Rumors of well guarded secrets, trading karma, and even a hidden economy are known to all who peruse the off topic forums. Mere glimpses into the great divine have been afforded by those few who have been granted access, the secret solace upon which those who possess the most karma engage in clandestine exchanges. At the center of it all is the fabled gorkti200. T'was he who created gorkbucks, and thus created the gauge upon which we measure and value karma. His true intentions, we know not, however we can see the havoc that has ensued. Karma farming threads, upvotes and downvotes in furious maelstroms, throngs of users demanding entry into the inner sanctum of the gorkbucks store.
What is comment karma, you ask? Chaos and order. Pandemonium and harmony. It is everything, and it is nothing.
You can most certainly run QuickBooks, send emails, watch some youtube videos/stream movies to it, and some very light gaming.
The limitations would be bound by the CPU, graphics, RAM, and storage space. The i3-5005u is a 2 core-4 thread CPU, which means it can run multiple programs fairly well, as long as they're not too intensive. The graphics are built into the CPU, which means it's not too strong, but it should be able to handle HD youtube videos and movies. The RAM is only 8gb of DDR3, which is both a low size and slower than more modern PCs, and may cause difficulty when running complicated or intensive programs. The storage size is only 128gb, meaning you won't be able to download and install many programs, but the ones you do have will load and run quickly since they're on a solid state drive.
Upgrades will be difficult, as laptops are tricky to open and hard to maneuver inside of, however more RAM can be added, and a larger hard drive (likely 2.5" form factor) can be installed later on. I'd suggest external storage rather than trying to open up your computer, as doing so can potentially void warranties.
Okay, that was what I thought was the case, but I was looking around and I couldn't find anywhere that actually hard confirmed that information. I appreciate the reply!
No offense taken! In truth, I was under the impression that the 6+2 pin was meant to be versatile in such a manner. When I was looking around, however, I couldn't find anywhere that actually confirmed that to be true, so in the paranoia of my own mind, I needed confirmation that my understanding of the 6+2 pin was actually correct.
Follow up question though: Should I have two cables running from the PSU, or one with a splitter?
PCPartPicker Part List
Trimmed a few dollars without sacrificing performance. The MOBO is the main difference, so if ASRock isn't your brand of choice, that's totally fair. The PSU for just a few dollars extra brings you to a 750W 80+ Gold Certified and still fully modular. I personally don't like mail-in rebates, so the price reflected doesn't include any.
I'd double check the graphics drivers. It sounds like there may be an issue pulling up anything more intensive than just the standard windows OS.
If your intended use is to simply browse online, send emails, maybe write a few documents, there's little need for going too expensive for parts. I'd even say that the ryzen 2600 and 2x8 gb ddr4 is overkill, if you're not going to be playing any games.
If there's an underlying desire to play some games, that'll start to push the overall cost higher. That being said, it all depends on what you intend to do with the PC. Building one is definitely cheaper than buying a full computer, and I'm glad you've got someone with you who can help.
Oh good, Elon's made a car so that Lara Croft finally has a vehicle as low poly as she is.
I didn't suggest an external mixamp/dac. I said the sound card ON the motherboard is likely faulty.
This could (I'd like to reiterate could) be fixed by a soundcard attached via PCIe to your motherboard. There are relatively cheap options on amazon
In that case, it's seeming more and more like the sound card on the motherboard might be faulty. If you've tried different headphones/outputs, changed the channel frequencies, and updated the drivers and BIOS, then the last (and most painful) problem would be in the hardware itself.
Sorry, I typed the wrong wording on that one.
The menu option should look like this.
Change around the settings in the drop-down menu to see if there's still static. BE CAREFUL as it may make the static very loud before finding the right channel option.
First and foremost, make sure the ports are all cleaned out. I've had the errant piece of dust or pet fur get into a port and cause problems which I initially thought was my equipment breaking down.
For the headphones you're using, check the audio quality output.
-Right click the speaker icon on the lower right hand side and click on "sounds"
-Pick the "Playback" tab
-Right click the headphones you're using, and select "properties"
-Click on the "Advanced" tab
-Change the "Default Mode" around and see if any of the different options make for a clearer audio quality.
Hopefully this helps :)
Aside from just going full Dr. Manhattan...
Shut off your PC and take a short walk. If you can't go outside, look out your window. Either way, shut off your PC and take a breather. Read a book, cook some food, play some music and lay down for a minute or two.
Whatever you do, just shut down the PC and relax.
Splapr was his name, as legend foretold. T'was he who ventured to the ancient tomes in the realm of Offtopica to seek the guidance from the council of elders. In their hallowed halls, did Splapr pose his question. "Is it possible to cook cup noodles in the microwave?" He spoke out, his words lingering in the air but for a moment before cries rung from all around him.
"BLASPHEMY" Cried Gorkti, the first to reply, with throngs about him shouting parallel views. Splapr attempted a response, but he was drowned out by the unyielding torrent of answers to his daring inquiry. Even the tempered floridaboz gave a sarcastic reply, as if to toss Splapr's question effortlessly aside, which elicited a mirthful scoff from tragiktimes.
I could go on, but I decided to cap it there for sake of not throwing a wall of text at the off topic section :P
That's likely why it's the top search result.
No one ever thought to ask before. Not once in human history had anyone ever seen such a receptacle and pondered how one places such a crucible, such a glorious container, within the confines of a microwave. Never before had this question ever crossed our minds until one day, a single man said no. To boil water was too tall a request, too great of a demand, too costly of his efforts. No. He sought an escape. He aimed to break free of tradition, rebel against the ways of his forefathers, and blaze his own path into the unknown.
All for the sake of some noodles.
EDIT: Sorry, I'm really bored at work today and I enjoy writing.
I like how it takes 6 replies before someone actually answers the question (unless you count Floridaboz, which I guess could work)
Classic PCP off topic forums.
That should hold you over quite well for a long time. Again, it does depend somewhat on what you're trying to play with the PC, but the 2600X and 2060 should be able to handle most things you throw at it.
Depends on the games, in truth. Processing intensive games have lots of objects all interacting at once and many different calculations happening ( for example: GTA V's cityscape with tons of people, cars, physics, etc). Graphically intensive games will have high texture detail or effects happening on screen (for example: Monster Hunter World's insanely high detail, textures, and rendering across a massive landscape all at once)
The Ryzen 5 3600 is a great processor which rivals the previous generation's top model for performance. The 1660 Ti is a great card with the strongest price to performance IMO. That being said, there's potential for upgrades on both fronts. Depending on the games you're planning on playing, you should be good for a while with those pieces for a while.
The two CPUs are nearly identical to one another, as far as performance goes. The 2060 is better in terms of performance, but only marginally.
The better question is what you plan on doing with the PC. Are you playing graphically intensive games like the new Call of Duty, Monster Hunter World, etc? Or do you plan to play CPU intensive games like Civilization, GTA V, and so on?
Bottlenecking exists wherever the weakest component is, but that depends on what you're trying to do. Everything will always break down to how you use the PC, but the lowest common denominator, the weakest link, the weakest component, will determine where a bottleneck may occur. You could have an overclocked i9 9900k and a 2080ti, but if you only have 4 GB of RAM you won't get far.
Yikes, a system crash during an install can really mess things up. If you can start up in safe mode or system repair, I'd suggest a system restore back to sometime before you tried to download the game.
Fully power down the computer, whether by unplugging, turning off the PSU, or otherwise. When the BIOS loading screen comes up, press F2/F8/F10 (it may be different depending on what type of motherboard you have) and within the BOOT options, see if there's a safe-mode option.
I get the feeling the KVM may be the source of the issue. I've admittedly never used one personally, so I can't speak to how well they operate, but after doing a bit of research, it sounds like an awesome way for you and your wife to share pieces. That being said, definitely check on the KVM to see if it's interfering with the inputs for the peripherals.
P.S. I don't believe a single USB connection would cause the case fans to ramp up but it does seem to be happening in your case. Fan speed is admittedly strange, and I'm not sure why that's happening. Faulty connections can cause a variety of things to happen, however, so I wouldn't entirely rule it out.
What kind of games do you intend to play? Minecraft and fortnight are far less demanding than games like Monster Hunter or the newest Call of Duty. This will help determine what kind of components will suit your budget.
Additionally, as Morgan123 said, will you need a keyboard, mouse, monitor, and headphones? Do you already own a copy of Windows, or will you be purchasing this in addition to the components? Geographical location may also influence prices, so this information can help us construct a PC that best fits your needs.
Additionally, where does the laptop come into play during all of this?
Yeah, to expand on m52nickerson's point, I'd try plugging the keyboard and mouse in directly instead of through a KVM and see if they work. If there's not enough USB ports to support the mouse and keyboard, try checking each one separately via direct connection to the USB ports.
Here's how I'd break it down.
-Plug mouse directly into a USB (note any lag, unresponsiveness, or disappearing from screen)
-Plug keyboard directly into a USB (note any missed keystrokes, repeated keystrokes, or overall unresponsiveness)
-Plug KVM in and then repeat the above steps via the KVM inputs.
This should help paint a better picture of where any issues may lie along the line. I'm guessing the KVM connection into the laptop is what's causing an issue. There should be enough USB ports on the case or motherboard to support what you're trying to do, unless you've got a variety of other peripherals also hooked up at present.
I was able to barely squeeze in a mouse and keyboard, given the budget. I'm not familiar with a few of the brands listed, however, so I can't advise for or against any of the components listed here.
One of Intel's strongest CPU's with 8 cores and 16 threads with potential for overclocking, 64GB of DDR4 3200 mHz RAM, 1TB of M.2 SSD storage for the fastest speeds along with a 1TB SSD for backup, and a GTX 2080 for the best graphics rendering possible with the ability to support 4 monitors, and even some light RGB functionality for aesthetics, still sligtly under $3,000.
As Morgan123 said, there's a default setting on most laptops that will reduce performance in order to extend battery life when not plugged in.
This setting can be changed in the Windows Power Settings. I believe the options are something along the lines of "Power Saver" and "High Performance". As a fair warning, your battery life will drain significantly faster if you change this setting.
If the RAM operates at 3200 by default, I don't see the need for setting an additional XMP. I doubt there'd be much issue caused by this, but try changing the RAM settings back to default to see if that does anything.
That aside, there may be a writing error for the hard drive you're using which is causing the files to have issues. If you have a spare drive to swap in, or even an external drive to try installing games onto, you can test things that way.
BUT WHERE'S THE RGB CPU GUYS
I'd check your USB slots to make sure they're functioning properly, or even update the USB drivers. Alternatively, if you're using a specific brand of mouse and keyboard, the brand website may have separate drivers or software for their devices.
Seems silly, I know, but it helps to check anything and everything during troubleshooting.
Just to be thorough, if you have another PC, you can test the keyboard and mouse to make sure it's not a hardware issue.
The Peace equalizer is pretty good, as it interfaces with the equalizerAPO. There will be some pre-set options in Peace that you can utilize, but I typically manually move the sliders for balancing.
An additional setting to double check is between whether the audio output is going to the Arctis(game) or Arctis(chat).
I have the Arctic 7, and I didn't realize that they were two different options until I played Apex and the sound was coming in mono rather than stereo, thus I had no directional hearing. The Arctis(game) setting is the actual stereo one, whereas the Arctis(chat) is mono only. By changing the default playback option and adjusting the little dial that comes with the headset, you should be able to have good surround sound gameplay.
An example of what you're looking for might be better than asking for random samples of people's work. There are tons of different kinds of editing styles, and each one may require entirely different skill-sets and/or software to produce.
Not gonna lie, the RAM price of $199 is way too much to pay. I know there was a massive price drop just a couple years ago, but dang that's rough.
After adjusting for price changes, taking out the cost of the monitor, keyboard, and mouse, an taking into account that the CPU, MOBO, and cooler are newer than the other components, I'd guestimate somewhere around $1350 or so. You could probably push for $1400 if you were selling it in full. If you parted out each individual piece, you could probably aim more for $1500, with the right buyers.