Real estate agents on television will showcase the house bargains that are just waiting for a buyer. They will stress the positive, but once the house is sold, the buyer learns the negative. A naïve first-time home buyer isn’t aware of the pitfalls of real estate. The house might have…
Buying a warranty looks like a smart consumer decision. It means that if a problem arises, repair is covered by the retailer who sold the product. It is no secret that many retailers will strongly promote the purchase of one, but it does not mean the consumer is safe and…
Human resources understands the impact of depression on productivity. People who have anxiety or disturbing thoughts are distracted. Deadlines and business benchmarks might be ignored as a person tries to deal with inner demons. Depression can be expected any time a person’s financial wellness appears to be in jeopardy. Hard…
We want to begin this article by telling you that a living will is an excellent idea. Accidents can happen, which leave a person in an unconscious state, and nobody knows what this almost lifeless individual wants to be done regarding medical care. A living will, if adequately written, spells…
People, by now, realize they were perhaps a little bit too generous at Christmas time. The credit card statements have come in and the debt balances are higher than usual. This can be a direct threat to the financial wellness of some people. The credit card debt may already be…
It is a new semester on college campuses and the last one for many seniors. College days are about over, and the monthly student debt bills will soon begin. Some seniors already have accepted job offers, but loan repayments might take a big portion of their paychecks. The cost can…
Automation and the Internet are meant to make things easier. Benefits enrollment will have dedicated websites and people can change their 401(k) donation mix online. Everything is intended to be more efficient, but it doesn’t always make things better. The human touch is a critical component of benefits quality. Group…
The new year will be full of surprises and challenges. Some developments will be great and will make an employee proud to work for an organization. It’s unfortunate, but other changes will be unexpected and not appreciated. Rules and Regulations Changes at all levels of government happen in…
January comes as a shock for some people. The new year impacts an organization’s health insurance deductible: it starts all over. The full deductible amount is reinstated. It upsets folks because they are afraid their medical condition will jeopardize their financial wellness. A Nasty Compromise Employers do what is necessary…
Fiscal responsibility is a virtue everyone wants to have. Unfortunately, it is not that simple, nor is it easy to get. Folks will try all types of budgeting but do not always get it right. Attempts to pay large bills are frustrating, and people start worrying about how they will…