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Author: admin | Category: Loan Car Calculator | Date: 28.05.2014

The term sleep disorder may suggest someone tossing and turning all night, but lying awake for hours with insomnia is just one example of many conditions that affect how you sleep and function during the day. Credit Report Repair: Do It Yourself Help for Those Who Are Serious About Repairing Bad Credit Fast! I have been a real estate agent and a loan officer, so am intimately familiar with how credit works. When I was a loan officer (aka mortgage specialist), I worked with credit-challenged individuals to help them repair bad credit – ie, increase their credit score – so that they could qualify for a home loan.
This was eye-opening for me on many levels because so much of what you had to do to repair bad credit just didn’t make sense. That contacting a debtor to “do the right thing and pay” can actually hurt you when trying to repair your credit; and so much more. Before you can fix your credit, the first thing you need to do is understand what it is and how lenders use it.
Your credit score is a number based on the information in your credit file that shows how likely you are to pay a loan back on time. FACT: Credit scores range from a low of 300 or 400 to a high of 800 or 900, depending on the source cited. To see in hard numbers why it’s worth it to clean up your credit, let’s take a look at a dream – the American dream most of us aspire to – home ownership. Consider this: Roughly, a score of 620* used to be necessary to qualify for a prime home loan at conventional rates. A super secret strategy to remove all of your harmful inquiries in days, not weeks or months!
Why being self-employed can actually work against you and how to avoid this simple mistake millions of people make. How much Social Security-covered work credits do I need to get Social Security Disability Insurance benefits? See how many work credits you must have to collect Social Security Disability Insurance benefits and learn how to find out if you have enough credits.
As a disabled worker, to receive Social Security Disability Insurance benefits, which are usually called just Social Security Disability benefits, you must be disabled as defined by Social Security law and you must be insured for disability benefits under the Social Security system on the date that your disability began. Workers become insured by earning work credits, sometimes called quarters of coverage, in jobs that are subject to Social Security payroll taxes or Social Security self-employment tax. The number of work credits required to be insured depends on your age when you become disabled. If you become disabled between ages twenty-four and thirty-one, Social Security looks at how many credits you earned between age twenty-one and the date your disability began. On the other hand, if you are age thirty-two or older when you become disabled, you have to be both fully insured and currently insured on the date that your disability began. To claim Disabled Adult Child benefits or Disabled Widows benefits, the worker on whose earnings record you are claiming benefits must be insured and either receiving benefits or deceased. If you are disabled, the best way to find out you if you are insured for disability benefits is to file a disability claim with the Social Security Administration to get a formal decision.
NEXT ARTICLE →If I have never worked outside my home or have worked very little, can I get Social Security Disability benefits? Is there anything for her to supplement her finances if we divorce besides what she gets from me after I get raked over the coals? Depending on the amount of spousal support your wife is receiving, she may qualify for Supplemental Security Income (SSI). Later when you retire and receive Social Security and when she is at least age sixty-two, she will be eligible for divorced spouse’s benefits because you were married ten years. Apply for Social Security Disability (SSD) and ask to be financially screened for Supplemental Security Income (SSI). Since I have no work credits and I am receiving SSI is it possible for me to start working now with a part-time job (I have a prospect for a great part time, work from home deal) to become eligible for not only SSDI but eventually Medicare and retirement? I was talking it over with my fiance and she said from what she was reading it seems that I needed to have worked within three years of my injury to be eligible for these things.
You can work, pay Social Security taxes, and earn Social Security quarters of coverage (work credits) while receiving SSI if your earnings are not too high for SSI eligibility.
You have to be both fully insured and currently insured for Social Security Disability (SSD) benefits. The amount of your SSD benefit, once you are insured, is based on your total earnings, so initially your benefit might be quite low and low enough that it would not provide dependent benefits. If you become entitled to SSD based on part-time earnings and continue to earn less than $1,130 a month, you could continue to gradually increase your Social Security benefit while receiving SSD. You can request and develop a Plan for Achieving Self Support (PASS) with the help of the Social Security Administration.
Another possible scenario is that you will complete your degree, start working full-time and earn too much to be considered disabled, and continue working until retirement age or, if health problems worsened, apply for SSD later in life. Dear Kay I have a question I have been disabled since 1996 my kid gets 608 off my benefits she is now 18 and the money she gets I count on for the bills in the household does that go back to my or do I loose that amount and can I request a raise or what should I do. Dependent benefits are paid extra in addition to your own benefit to cover the cost of supporting the child. I’m 42 years old and I have my 40 credits in so can I retired at age 42 on the credits I have? I am receiving SSI right now because I became disabled in 2015 or that is what SS back oayed me for. The rule is that you have to have earned credits equaling half the calendar quarters between age twenty-one and the age at which you became disabled, except the least required is six.
There are several scenarios about how work activity could play out and too much to try to go into in this written correspondence as related work return to work incentives.The maximum quarters that can be earned a year is four, so you would need to work in at least two calendar years. You can find out the amount of your family maximum benefit (FMB) by calling Social Security at 1-800-772-1213. I suggest that you check with the business’ tax accountant to find out why no earnings show up for you. I have a question I was receiving my benefits both social security and ssi for years and then I got into some trouble and had to go away to prison for a few years…so upon my release I applied to have my benefits reinstated and yes they reinstated the social security ONLY ($504)but the ssi. For disability beginning at age forty-two, you have to have forty quarters of coverage (work credits) and twenty of them have to be in the ten years prior to becoming disabled. To be eligible for disabled adult child benefits on your parents’ earnings records if you have been continuously disabled since prior to age twenty-two. If you either earn less than $1,130 gross or you lose your job, I suggest applying for Social Security Disability. I applied for Social Security Disability and i was denied saying I did not have enough work credits to qualify. With regard to medical bills, sometimes hospitals will write off part of a bill based on financial need, if you apply for such help. Check with the Maryland Bar Association for attorneys in your area who have a practice that includes Social Security.
If your brother withheld Social Security taxes from your wages and paid both your withheld taxes and the employer’s portion of the Social Security tax to the Internal Revenue Service, your work for your brother has earned you work credits. To get the best benefits from credit card reward programs, you have to understand how they work. You must register for each bonus, and you don't start earning bonus Cashback until you register.
There are maximum amounts of spending to which the 5% bonus applies, and those amounts can change each quarter.
If you don't normally spend much money in these categories, you won't earn much cash back with this card. The Chase Freedom Card offers first-time card members with new accounts a 10,000 point, $100 bonus cash back offer when you spend $500 in the first three months of opening your account. In the mortgage industry, 20% down is considered the benchmark down payment for looking strong on paper as a home buyer. However, keep in mind that your purchase offer amount – your buying power — drives negotiation. In some more affluent markets, the higher loan amounts (per county) allow someone with strong income and less cash to still get into the market. Mortgage Tip: If you qualify for a smaller loan size, it could be more challenging to actually close escrow on your first home. Conventional conforming loan — With conventional loans, you can get 95% financing up to $417,000.
VA loan – This type of loan allows for 100% financing all the way through the maximum conforming loan limit in the county in which the property is located. FHA loans – An FHA loan will allow for as low as a 3.5% down payment up to the maximum conforming loan limit in the county in which the property is located. Remember: When you’re putting less than 20% down on a home, your monthly property taxes and fire insurance terms are required to be built into your monthly mortgage payment, and you’ll likely pay private mortgage insurance, too. Sign up for our Credit Report Card and receive the latest tips & advice from our team of 50+ credit and money experts as well as a FREE Credit Score and action plan. Comments on articles and responses to those comments are not provided or commissioned by a bank advertiser.
Please note that our comments are moderated, so it may take a little time before you see them on the page. Your credit score will greatly impact, not only your ability to get a loan, but how much interest you will pay if you do. Interest rate parameters for government loans is generally the same – as long as you meet minimum requirements and can get approved, the terms are very close to each other. There are a lot more things that go into calculating the interest rate, but from a credit perspective, this is a general overview. Lenders, such as banks and credit card companies, use credit scores to evaluate the potential risk posed by lending money to consumers and to mitigate losses due to bad debt.


AboutKaren Rittenhouse is a Greensboro based Real Estate Investor, mother of two and serious guitar hero champ. Real Estate InvestingWhat Are You Reading?Once we learned the investment side of real estate, how to manage and protect what we have has become our focus. You have to gain access to the rules of the “credit repair game” in order to be able to “compete” and clean up bad credit.
Your FICO score helps a lender determine whether you qualify for a loan and what interest rate you'll pay.
The 37 Days to Clean Credit repair guide shows you how to avoid the pitfalls that most encounter when trying to get on the road to having good credit. If you are age twenty-three or younger when you become disabled, you need to have earned six credits in the three-year period immediately prior to the onset of your disability.
You are insured if you have earned one credit for every two calendar quarters in that period.
All your work that was subject to Social Security tax counts toward your being fully insured. But, if you would like a preview, you can review the earnings statement that the Social Security Administration has mailed out in past years. Through two years of tests, they could not prove it was MS, but they ruled everything else out so they decided it had to be MS. I’m hoping to reduce my spousal support payments based on her ability to have additional income. The maximum $733 federal payment would be reduced by all but $20 of the spousal support, so if the spousal support is $753 or more per month, she will not be eligible for SSI unless her state offers a higher SSI state supplement. If your income and assets are within the SSI limits an application will be taken for both benefits.
It might even allow continuing reduced SSI, although Social Security plus part-time earnings would likely result in no SSI. If the PASS is approved, you can have your work earnings excluded if you need them to pay for school costs or for other expenses that would move you toward financial independence such as a specially equipped van so that you can later drive to work. You may have worked enough to receive Social Security Retirement benefits when you reach retirement age even though you do not have recent credits needed for disability benefits.
The SSI program requires that your son receive all other benefits possible so that SSI is the payer of last resort. In the meantime, if his Medicaid stopped less than sixty days ago, he can apply for health insurance under the Affordable Care Act (ACA) and may qualify for a government subsidy to help with the premiums. On the web site where u log in your own personal page it says you have enough credits if you become disabled right now, apply here.
You would also have to work a short enough time or earn less than the substantial gainful activity (SGA) level in order not to lose your CDB benefits because you stopped being disabled continuously before age twenty-two, as evidenced by work above SGA for six months or longer).
It does not matter how long or short of time you work in each year to earn the four quarters. If you become insured for Social Security on your own earnings record while continuing to be disabled as defined by Social Security law, you can receive both CDB and SSDI.
You can request a Ticket to Work and take advantage of the return to work incentives for your CDB benefits. He broke his neck,left shoulder and has brachial plexus injury to his right arm with paralysis.
If your benefit and your daughter’s benefit combined are less than the FMB, your spouse is eligible for benefits if he had your child under age sixteen in his care or he is age sixty-two.
Your benefits will be paid to you as will your daughter’s if she remains in your care.
If you are medically eligible for Social Security Disability (SSDI), you are medically disabled for Supplemental Security Income (SSI). If somebody has been denied their own SSDI after working 10 years in a facility that assisted with people with cognitive deficits, is it only possibly to apply for SSI during the appeal period or is it possible to apply under his parents for their insured benefits?
Your work activity is taken into consideration in determining whether disability has been continuous since before age twenty-two. I’ve been sick on and off more off than on I have a severe pain in both of my hips shoulders neck and back I have severe migraines and high blood pressure I also find myself talking to myself and it has esculated into answering myself I am constantly crying and laughing.
If you do, try to submit documentation that you lost your job for excessive absenteeism and any other problems that might have occurred on the job.
Your disability did not cause you to lose earnings (it had been six years since you had earnings), so you are not eligible.
If your health would allow you to work in some sedentary, undemanding work to earn $1,220 gross in 2016, you can earn a credit that way.
When you file a claim, the Social Security Administration (SSA) will check your earnings record to see if you have enough credits to be insured.
Here are three popular credit cards, how their reward programs work and how much you have to spend on each card to cash in on a reward.
Aside from the 5% bonus categories, the Discover More card's reward program is not terribly generous. While this a general standard for financial strength, it is by no means a requirement, nor is it necessarily expected. How strong you are on paper does help, but when you make an offer to buy a home, the seller of the property has no idea of your financial strength other than what your real estate agent tells them and what’s on your pre-approval letter.
While there are many benefits to having more equity in the home you’re buying, that doesn’t mean you’re out of the running for becoming a homeowner. There are loan size amounts up to $417,000 (with the exception of Alaska, Hawaii and Guam) going as high as $417,000 with as little as 5% down. Actually, there are two: The program is for military veterans only, and the home must pass a clear pest report. Family members, cousins, relatives – these are all excellent sources to tap for possible down payment or closing costs (usually about 2% of the home price). In counties where the maximum conforming loan limit is higher than $417,000, you can have up to 90% financing.
In fact, this type of loan can allow for even higher than the maximum conforming loan limit if you do have a down payment. For example, with a $520,950 loan (the maximum loan limit for Sonoma County) with a purchase price of $700,000. More importantly, lending qualifying ratios are more stringent for this program than any other. Some lenders might offer an alternative option called lender-paid mortgage insurance — where the lender actually pays the monthly PMI, despite not using 20% down to purchase a home. Before you start your home search, give yourself time to work on your credit so that you can qualify for better rates. This compensation may influence the selection, appearance, and order of appearance of the offers listed on the website. Any opinions, analyses, reviews, or recommendations expressed here are those of the author's alone, and have not been reviewed, approved, or otherwise endorsed by any issuer.
The higher your credit score, the lower your interest rate and, therefore, the lower your monthly payment and ultimate price of the house over time.
Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and what credit limits. Contact me if you’re interested in one of my properties, have a link suggestion or just want to say hello.
This means you will get lower interest rates on everything from home and auto loans to credit cards. A quarter of coverage, or work credit, is obtained by working and earning a certain dollar amount. The number of credits required to be fully insured ranges from twenty to forty, depending on your age when you become disabled. The statement tells whether you were insured for disability benefits at the time the notice was sent. She immediately decided she couldn’t work anymore so she quit and we tried to get SSDI for her, but were denied. I am a 29 year old male who has been permanently disabled from a severe spinal cord injury since the age of 15. Financially straining her or taking away from her earnings because we want to marry is not acceptable.
Depending on your earnings, shelter costs, and medical expenses, you might be able to get Medicaid even if your SSI stops because your earnings are too high. To be currently insured, you need six quarters of coverage of a disability date starting before you are age twenty-one. Your benefits will not increase.The idea behind this is that the adult child can support himself or herself at that point. Accordingly, if he applies for SSI, he will be required to apply for Social Security Childhood Disability Benefits (CDB) that are paid to surviving children who became disabled before age twenty-two.
If it has been more than sixty days, he can apply during the next open enrollment period in November and December. So I applied and SS denied me saying I didn’t have enough credits but the web site says I do. At 30 I currently get the child benefit which is about 390 then combined with the SSI allowable. For disability occurring before age twenty-one, six quarters is required, but it is assumed that that work occurred before disability. If you have been married at least ten years, your husband can apply for divorced spouse’s benefits when he reaches age sixty-two and his benefits will be paid outside the FMB, except in some cases remarriage terminates eligiblity. If an error has been made, maybe the tax accountant can file amended tax returns for the most recent years. I was already on it.and doesn’t it contradict itself due to the fact that I am receiving only partial benefits ?


If in the years that you worked you earned less than Substantial Gainful Activity (SGA) earnings levels and you are unmarried, you might qualify for disabled adult child benefits.
In the meantime, I suggest that you see a psychiatrist and possibly a therapist for evaluation and possible treatment of your emotional swings. I got a letter back from school disability they denied and they said I had 30 days to appeal and had to write a letter to the director of the retirement agency. Even if you do not have enough work credits, you may be eligible for Supplemental Security Income (SSI) if you have low income and assets. Your first $3,000 in purchases, excluding purchases in the 5% bonus categories, only earn 0.25% Cashback. You'll also earn at least 1% back on the $500 you spend, for another $5 back and a total of $105. An FHA loan comes with a monthly mortgage insurance payment, which can make it more expensive than a conventional mortgage. An alternative to the higher-priced FHA loan, the conventional loan allows for getting rid of the PMI after accumulating 20% equity after a minimum of 24 months.
This option could be optimal for brand-new construction or for property where any pest damage can be fixed in time for closing.
You need not be a veteran for this particular loan, however in some areas, you may not be eligible to use the program due tighter qualifying income-to-payment ratios and location. Even if you already own a home and are looking to upgrade, all of these programs could present a viable option to bridging the gap between buying a home for the right price in the right area of vs.
The difference is $179,050 – and the buyer would need to put down 25% of that difference — $44,763 – in order to get the additional VA loan financing.
To qualify for this loan, your proposed house payment before debts cannot be more than 29% of your gross monthly income, and the house payment plus other debts cannot be more than 31% of your gross monthly income.
Check your free annual credit reports for errors or any problems that could be hurting your credit scores. Lenders also use credit scores to determine which customers are likely to bring in the most revenue. As the cost of living has increased, the amount of earnings required for a one work credit has also increased.
For example, disability at age forty-four requires twenty-two credits, but; disability at age fifty-six requires thirty-four credits. However, because the statement does not include your current year’s and sometimes your prior year’s work, you might be insured, even if the statement says that you are not. About six years later, the diagnosis was withdrawn because she had shown no signs of progression and her symptoms were inconsistent. I was not able to work earlier in my life because I was put in a nursing home very soon after being hurt. Should I completely stop accepting disability and just work a part-time job for a few years to become eligible for these benefits or should I apply for the Ticket to Work Program? You can claim that original date as long as you do not perform substantial gainful activity (SGA) while you are earning your quarters of coverage. Note that if the child is under nineteen and still in high school, the child is considered to still be dependent. Your forty credits insure you, but the amount of your retirement benefits is based on your thirty-five years of highest earnings. Can he get back on medicaid and his ssi for his disabilities after the death benefits stop?
This will likely mean that he will continue to be ineligible for SSI and possibly Medicaid. If you are outside the appeals period, make a written request for Social Security to reopen the decision based on evidence that you were or are now insured.
I have listed below the amount of gross earnings that usually is considered substantial; however, because you worked in a sheltered workshop, your work might not be considered SGA even if you worked over SGA levels. If you spent the $500 exclusively in 5% back categories, you could earn $125 for spending $500, or 25% back.Like the Discover More card, the Chase Freedom card has a 0% introductory APR for the first six months. While you can always elect to put down the full 20% or more, there are now many alternatives available.
The website does not include all financial services companies or all of their available product and service offerings. The use of credit or identity scoring prior to authorizing access or granting credit is an implementation of a trusted system. Suppose you became disabled exactly four years after your twenty-first birthday, at age twenty-five.
For you to meet the second requirement of being currently insured, twenty of your work credits have to have been earned in the ten years immediately before you became disabled.
Additionally, though not common, some of your other work may be missing from the statement.
My concern about the ticket to work program is that since I am still eligible to receive SSI through that program I will not be able to put into retirement or qualify for Medicare one day, (which I really want to be able to do) or even qualify for SSDI.
If that is the case, you can submit form SSA-1372-BK completed by the school for continuation of benefits until the earlier of age nineteen or graduation. If you are disabled, you can apply for benefits now and the benefit will be comparable to the unreduced retirement you would get with the same work history.
Also is there anyway we can go through a different ss office because they really messed us up and told me I had to repay monies. I suggest that he apply for CDB benefits now because it takes two to five months to get a decision.
Submit a copy of the earnings statement and your 2015 W-2s if your 2015 earnings are not on the statement. I would like to earn my own Social Security but how many work credits would i need at this point.
The earnings record you reference should say whether or not he insured and give a benefit estimate. After you surpass the $3,000 threshold, all purchases earn 1% back, but you could do better with another card that offers 1% back on all purchases with no minimum spending requirement.This card has a 0% annual percentage rate (APR) on purchases for the first six months. Then there would be sixteen calendar quarters in the period that Social Security reviews and you would need to have eight work credits. It’s always a good idea to compare your W-2s and self-employment tax returns with the itemization of earnings on the statement to be sure you are getting credit for all your work under the Social Security Disability Insurance program. If I had to guess, I’d say she has less than 20 quarters worked in her entire adult life all before she was incorrectly diagnosed with MS. See we want to have children and I figure if I work hard enough should I need it one day I’ll be able to claim SSDI. When I got a lawyer to look into it they could even tell her why they was withholding money or how much they had withheld or how much more they thought he still needed to pay..
The basis of your appeal or reopening request is that Social Security now shows you as being insured. Be sure to submit a clear statement of the nature of work you have done, special help or supervision you have received, and the fact that you are working in a sheltered workshop.
There is also no threshold spending requirement before you can start earning 1% back on the rest of your purchases. You can earn up to four credits per year, and it does not matter when during the calendar year you earn the dollar amount needed for the credits. If you find a discrepancy, contact the Social Security Administration with any proof you have of the missing earnings. I DO receive SSI but that can be compromised once we marry if her income is taken into account. If you carry a balance after the first six months, the interest will wipe out your rewards and leave you worse off than when you started.
To redeem your points for cash back, you'll need a minimum of 2,000 points, which can be redeemed for a statement credit, check or direct deposit. Your four credits can be earned over an entire year, or they can be attained all in a single calendar quarter, or even in a single month. To earn the maximum four quarters in 2016, you would need to gross $5,040 this year or $720 average per month, which would result in an SSI reduction of about $317 a month unless you apply for and have a PASS approved. You must earn at least $50 to redeem your Cashback bonus for a statement credit or a direct deposit. To get 500 points, you would have to spend $100 in the 5% back categories or $500 on any other purchases. So, if you only need $1 to redeem a reward and you can earn up to 5% back on some purchases, you only have to spend $20 to get a usable reward. The card also offers the same 0% APR for the first six months with a variable rate thereafter. The card also offers a $150 Cashback Bonus after you spend $1,000 within 90 days of opening your account, which amounts to 15% back. Blue Cash's reward structure is 3% back on supermarket purchases, 2% back on department store and gas station purchases and 1% on all other purchases. Cash back comes in the form of Reward Dollars that can be redeemed for statement credits, merchandise and gift cards.
There is a 25 Reward Dollar minimum for redemption.The Bottom LineIf you always pay your balance in full and on time and if your card has no annual fee, you might as well earn something back from your spending. To decide which reward card is right for you, look at how your typical spending habits match up with a particular card's reward program and choose the one that will give you the most value.




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