Waiting for an answer on your disability application can leave you feeling anxious and uncertain about your future, especially since it can take anywhere from four to six months for most applicants to receive a decision. Additionally, if you receive a denial and need to go through a hearing, the process can become even more drawn out. The good news is that if you have sufficient medical evidence, you are unable to work for at least 12 months, you meet the non-medical and SGA requirements, you work with a Social Security disability lawyer, and your disability meets a Blue Book listing, your chances of a successful claim increase significantly.

Depending on the size of your second-story addition, the total project cost can range anywhere from $80,000 to over $600,000. While adding a second story to your abode can broaden your living space and potentially increase the value of your home, it typically requires a significant investment upfront. If you need help affording the project cost, consider financing options like HELOCs, construction loans, and personal loans.

Non-qualified mortgage (Non-QM) loans are designed for those with unconventional circumstances, such as an irregular income, who are not able to qualify for a traditional mortgage. Think self-employed individuals like freelancers, contractors, and small business owners. While non-QM loans may come with higher costs, they have less stringent borrower requirements and can be a viable financing option for those with unique income situations.

Car theft is surging across the U.S., with over a million vehicles stolen every year. Viral social media challenges have turned certain Kia and Hyundai models into prime targets, exposing shocking vulnerabilities in their security systems. Understanding which vehicles are most frequently stolen in each state is crucial for staying ahead of thieves. From nationwide trends to state-specific insights, this article dives into the evolving landscape of car theft and offers actionable tips to protect your ride.

Getting rid of your car payment can free up cash every month, which you can put toward other areas of your life, such as saving for a down payment, pursuing your hobbies, or treating yourself to a much-needed vacation. However, while paying off your auto loan ahead of time offers many benefits, it also has some downsides, such as potentially incurring prepayment penalties and temporarily lowering your credit score.

Car dealerships are notorious for tacking on extra fees and charges to the purchase price of a vehicle to increase their profit margin. These dealer fees can often add hundreds or even thousands of dollars to the price of a car. While there are some unavoidable fees — such as documentation fees and sales tax — other fees, like advertising and dealer preparation fees, are negotiable.

The gig economy is thriving. According to the Freelance Forward report released by Upwork: 59 million Americans — more than one-third of the U.S. workforce — took control of their careers by starting their own businesses or working as freelancers in 2021. And around 74% of freelancers surveyed said freelancing gives them the flexibility to spend time with their family and do the things they love.

Federal student loan debt will be discharged when you pass away. However, if you took out student loans with private lenders, whether your loved ones are responsible for repaying your debt will depend on the lender’s terms and whether or not you had a family member cosign your loan. Be sure to check with your student loan servicer to get a better idea of what their policy is in the case of your death.

VA construction loans cater to veterans and active-duty military members looking to build their own homes. Not only does this loan program offer competitive interest rates, but it also provides flexibility in the construction process. Plus, VA loans often require little to no down payment, making it easier for veterans and military families to achieve their homeownership dreams.

Qualifying for a mortgage when you’re self-employed may require a few additional steps, but it’s possible. Most lenders will want to see at least two years of financial documents to verify your income, and thus your ability to repay the loan. If you satisfy all lender requirements and successfully prove your creditworthiness and financial stability, buying your dream abode is 100% achievable, even when you work for yourself.