Election time is usually crazy, and it is not easy to get help from public agencies. Public employees are often preoccupied with all the campaign noise. The problem typically lasts for a few weeks, but the real difficulties appear after January 1. That is when new laws and regulations often…
COVID-19 has changed the working lives of many Americans. The workplace has become a space where facemasks, sanitizers, and newly erected cubicles are used to make people safer. Remote working, doing your business from home and not the office, looks appealing, but it has its drawbacks. Organizations are starting…
End of life financial planning is centered on maintaining a person’s estate. Financial products such as burial insurance is intended to protect the estate from funeral expenses and living wills can prevent deductibles from draining away financial assets. The essential part of any end-of-life financial planning is a simple will.…
People are living through some hard times and may have seen their finances stretched to the limit. Mortgages, rent, credit card balances, and emergency medical bills have made life almost unbearable. Some are facing bankruptcy and others have no choice but to file for it. Outside help in ending…
People are sometimes shy about drawing up a will. It is a document that causes a person to admit that there will be a day when life is over. It may come as a surprise, but a will is also something to consider when making financial plans. You can think…
Group legal plans must deliver services and not excuses. Client organizations expect that their employees receive the pre-paid legal services which they require. Some assistance, however, might not be part of the group legal plan. Legal services will cover common issues such as writing simple wills or reviewing legal documents.…
Folks run into cash problems because of poor money management. It does not always happen that they are not making enough money, but their wages are not well managed. Becoming a better money manager will take an awful of stress off an individual’s shoulders and allow that person to have…
The national housing market is currently going gangbusters. Sales and prices are going up and there is a strong demand for houses, fueled by low mortgage rates and a desire to own property. The pandemic has made some alterations to what a buyer wants. Extra rooms make a house…
Knowing the Law Consumer warranty rights are defined under the Magnuson-Moss Act. Automobile warranties need to include specific coverage information and the seller must allow the consumer to read the warranty before buying it. The warranty does not mean that a consumer is bound to have all their…
College graduates are getting a well-appreciated reprieve from college loan payments. The government is permitting a payment holiday for federal college loans, which reduces the stress on personal finances. This holiday, unfortunately, is short-term. Financial obligations will return later. A Heavy Load College loans are a dark cloud…