Search found 23 matches

by declan911
Sat Nov 10, 2012 7:28 pm
Forum: Personal Consumer Issues
Topic: Recently Published Social Security Disability eBook
Replies: 4
Views: 782

Re: Recently Published Social Security Disability eBook

Glad that so many people so far have downloaded the book via Amazon for the Kindle. Was very surprised by the amount who got it during the free giveaway.

For those that don't have the Kindle, I've finalized the paperback version which is now available on https://www.createspace.com/4047818 & http://www.amazon.com/Applying-Security ... 1480240028

This will be my last post bumping this up - just wanted to share with anyone who'd be interested in a physical copy rather than eBook.
by declan911
Mon Oct 22, 2012 7:47 am
Forum: Personal Consumer Issues
Topic: Recently Published Social Security Disability eBook
Replies: 4
Views: 782

Re: Recently Published Social Security Disability eBook

For anyone interested, as of today there is a 3 day promotion running on Amazon with the book available for free. So if interested at all, now is your chance to get it the Boglehead way - as low cost as possible ;)
by declan911
Tue Oct 02, 2012 9:06 pm
Forum: Personal Consumer Issues
Topic: Recently Published Social Security Disability eBook
Replies: 4
Views: 782

Recently Published Social Security Disability eBook

I'm not sure if this is allowed, hopefully there's no issue

I recently wrote an ebook for the Kindle titled "Applying for Social Security Disability (SSD) Benefits or Supplemental Security Income (SSI)? 33 Commonly Asked Questions Answered" and it's available on http://www.amazon.com/Applying-Disabili ... disability

I think I've properly inserted the Bogleheads affiliate id link in there

I've seen many posts on here before about Social Security and Disability and hopefully this will help someone out.
by declan911
Sat Aug 18, 2012 8:57 pm
Forum: Non-US Investing
Topic: Would you buy property in Europe?
Replies: 28
Views: 12970

Re: Would you buy property in Europe?

deleted
by declan911
Fri Aug 17, 2012 10:31 pm
Forum: Personal Finance (Not Investing)
Topic: On SSDI - rights regarding possible house inheritance
Replies: 10
Views: 2672

Re: On SSDI - rights regarding possible house inheritance

dm200 is correct Very simple answer. If you are collecting Social Security Disabilty benefits (SSD), then your monthly benefits will not be affected by any inheritance. Since SSD is based on your work history credits, you can collect SSD benefits as long as you are disabled, even if you are a multi-billionaire. Obviously you can't be engaging in Substantial Gainful Activity (working above a certain threshold). However, if you are receiving Supplemental Security Income (SSI) then your benefits most likely will be affected. Since SSI is a needs based program, not only must you meet the Social Security criteria for disability, you must also meet the financial requirements. Depending on the amount that you inherit, these assets may disqualify y...
by declan911
Fri Dec 09, 2011 9:24 pm
Forum: Personal Consumer Issues
Topic: Buy a new car or repair old one
Replies: 24
Views: 2351

Re: Buy a new car or repair old one

I love VW, but would never ever buy another one, their parts are way too expensive.

I owned a '94 VW Golf that I loved but learned very quickly how exoepnsive parts are. The first weekend I had the car I had to buy a hose, I went to Pep boys and the same hose there was $12 (fits all American made cars, Hondas and Toyotas) but VW required a slight difference, so I had to buy it straight from the VW dealer for $75

In general the majority of VW parts you have to buy from VW directly and that's never a good thing
by declan911
Sun Dec 04, 2011 9:04 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage broker
Replies: 3
Views: 857

Re: Mortgage broker

I'm preparing to buy my 1st home and I've start looking around for best mortgage rates. I got pre-approved a few weeks ago. But likely won't use that same company for the actual mortgage b/c it seems there are better rates out there to be had.

As for the credit check affecting your credit, I read somewhere that the credit companies will see that you are price shopping for mortgages and count any credit checks by one of these finance companies/banks within a 30 day period only once. So if you go to 4 different companies in a 3 week period, the credit check will only count once. Not sure how much truth is behind that but it does make sense.
by declan911
Sun Dec 04, 2011 5:07 pm
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 10821

Re: Owning a used jalopy: Same cost as leasing brand car.

I just saw TV commercial for the $179/mo Civic - the TV commercial clearly says $1,999 due at signing. Not sure what the deal is but I doubt they can do it for 2 grand less than the national promo...then again, maybe they can
by declan911
Sun Dec 04, 2011 3:42 pm
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 10821

Re: Owning a used jalopy: Same cost as leasing brand car.

jeffyscott wrote:
Leesbro63 wrote:There must be some difference between the $219 vehicle here and the $176 vehicle there. If not, WHERE DO YOU LIVE? :lol
Here's the ad: http://hondacity.net/custom/newspaper-ads/
Looks like an awesome deal for a Honda Civic that has at least some of the bells and whistles (usually deals strip the car of AC/radio). Only thing may be they may require prestine credit for that deal, so when you go in there and your credit is less than 780 they may hit you with extra charges. That's the only potential trick I see here just looking at the ad and the fine print.
by declan911
Sun Dec 04, 2011 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Owning a used jalopy: Same cost as leasing brand car.
Replies: 132
Views: 10821

Re: Owning a used jalopy: Same cost as leasing brand car.

I posted this previously in the buy or lease thread --> http://www.bogleheads.org/forum/viewtopic.php?f=2&t=86095 I used to be the most anti-lease person you probably could meet. I never cared much about what I was driving and never had a new car. 1 1/2 years ago my 99 Civic's suspension dropped out of it. I was able to sell it for about $1500 (I have no idea how). I shopped around for the best options, at first only looking at used cars. I was still in school at the time and didn't have the cash to lay out for a decent car and knew that even if I bought a "reliable" car like a Toyota or Honda for $6k it could realistically be a nightmare if problems began. I decided to take a look what the options are lease wise. I shopped ar...
by declan911
Sun Nov 27, 2011 7:23 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or Lease a Car
Replies: 54
Views: 7996

Re: Buy or Lease a Car

HardKnocker wrote:
GregLee wrote:$1650 to fix the head gasket isn't all that much, compared to what you'll pay for a new car.
5 months lease payments.
In my case, 10 months of payments :)
by declan911
Fri Nov 25, 2011 12:51 am
Forum: Personal Finance (Not Investing)
Topic: Best Cash-Back Site Yet: BigCrumbs
Replies: 4
Views: 1270

Re: Best Cash-Back Site Yet: BigCrumbs

I still recommend ebates.com -- I haven't used it that much lately but back in 2010 when I was buying a lot of stuff online for my business I clicked through ebates all the time and I've received over $420 in cash back from them between 1/10 & 1/11. I guess if you use multiple sites and then just click through the one w/ the higher cash back % for the website you are buying from
by declan911
Thu Nov 24, 2011 9:01 am
Forum: Personal Finance (Not Investing)
Topic: disability insurance question
Replies: 10
Views: 854

Re: disability insurance question

One of the most important parts of a disability policy is whether the policy is own occupation or any type of work. HUGE difference
by declan911
Wed Nov 23, 2011 9:25 am
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance, Pre-Existing Conditions and Career Change
Replies: 22
Views: 1968

Re: Medical Insurance, Pre-Existing Conditions and Career Ch

tfb wrote:
Oryan wrote:Our issue is healthcare insurance and my want to leave my current career (no longer enjoy it - at all).
If you are just moving to a different job that offers group health care coverage, pre-existing conditions are automatically covered unless you have more than ~60 days break in coverage. You can use COBRA to cover the gap period.
This is what I was getting at. Good explanation
by declan911
Wed Nov 23, 2011 9:23 am
Forum: Personal Finance (Not Investing)
Topic: Buy or Lease a Car
Replies: 54
Views: 7996

Re: Buy or Lease a Car

Bertilak -

Unless you are absolutely in love w/ the Hyundai I personally would price shop other cars b/c of what I had said about Hyundai's having one of the more expensive leases b/c of the much lower resale value. Yes, if it's a lease to buy option this may be irrelevant ... but if you don't end up buying you end up paying $100+ more per month than a lease you could've gotten with a little haggling for a similar car --- just my opinion on the matter
by declan911
Wed Nov 23, 2011 9:05 am
Forum: Personal Finance (Not Investing)
Topic: Buy or Lease a Car
Replies: 54
Views: 7996

Re: Buy or Lease a Car

[ declan911, You didn't include residual value in your calculations. At lease end you're forced to re-lease or buy something else. Buy a used car and you own it. If you bought a used car for $15000, there's a good chance it would be worth $10,000 in two years. Then, the depreciation would be about the same as your leased Mazda 3. Do you think you could get a reliable used civic for $15,000? From a brief search of carmax, I think you could. Oh you could certainly get a reliable car for $15k but at the time I didn't have that kinda money and it doesn't sound like the OP does either. And, at the end of the day the depreciation is still $5k for 2 yrs which is pretty much what mine is just leasing a car and having the mindset that it's a brand ...
by declan911
Wed Nov 23, 2011 8:01 am
Forum: Personal Finance (Not Investing)
Topic: Medical Insurance, Pre-Existing Conditions and Career Change
Replies: 22
Views: 1968

Re: Medical Insurance, Pre-Existing Conditions and Career Ch

Price shop & compare the medical insurance plans. Don't assume that just b/c she has a pre-existing condition it meets their definition of pre-existing condition. I have a medical condition myself and was worried about the same situation when switching plans. However, under many plans pre-existing limitations only kick in if there has been a lapse in coverage for that medical disorder. Basically, if you continue coverage w/ your current company and start immediately w/ a new insurance policy there likely IMO will not be an issue in having her blood disorder covered by the new carrier. Make sure you obviously get their polices & definitions in writing, not just word of mouth from an agent trying to sell you the coverage.
by declan911
Wed Nov 23, 2011 7:51 am
Forum: Personal Finance (Not Investing)
Topic: Best Source(s) For Self Educating About Personal Finance?
Replies: 13
Views: 1538

Re: Best Source(s) For Self Educating About Personal Finance

Thank you very much for all of your advice. I like to get my info from a variety of places rather than just one author or one train of thought, so I will definitely be reading up on many of the books & links that were posted above. I also think the idea of taking notes in a Word Document is a great idea. Regarding the house purchase, unfortunately we don't have 20% down. We are keeping an 8 month emergency savings account and don't want to touch that for anything other than an emergency. We've been looking for about a year now, very passively waiting for both the right time financially and the perfect (or almost perfect) house for us. The reason for the extra 2 months in emergency funds is b/c although my wife's job is probably as stabl...
by declan911
Tue Nov 22, 2011 9:37 pm
Forum: Personal Finance (Not Investing)
Topic: Buy or Lease a Car
Replies: 54
Views: 7996

Re: Buy or Lease a Car

I used to be the most anti-lease person you probably could meet. I never cared much about what I was driving and never had a new car. 1 1/2 years ago my 99 Civic's suspension dropped out of it. I was able to sell it for about $1500 (I have no idea how). I shopped around for the best options, at first only looking at used cars. I was still in school at the time and didn't have the cash to lay out for a decent car and knew that even if I bought a "reliable" car like a Toyota or Honda for $6k it could realistically be a nightmare if problems began. I decided to take a look what the options are lease wise. I shopped around and got a great deal, not picky about the car I got. I narrowed it down to a Nissan Versa and a Mazda 3. I got th...