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stockfresh_709412_problems-and-solutions_sizeS-300x272The 2021 Capital One CreditWise Survey shows that nearly three-fourths of those surveyed consider finances to be the most stressful part of their lives. We could not agree more. Money is on everyone’s mind.

Quarantines and Stimulus Checks

The past two years have caused incredible changes in the financial habits of many people. Quarantines enhanced unemployment checks, and stimulus checks have dominated personal budgets and altered spending habits. The government assistance that affected everybody is going away, but what people do with their money has not changed yet. Continue reading

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stockfresh_3091602_good-service-makes-the-difference-chalk-illustration_sizeS-300x168Group legal plans base their value on the services which they will provide. We could not agree more. Of course, employees of a client need to use services that will help them manage common legal problems. However, the key to value is the delivery of what the benefit offers.

 

Items such as simple wills or living wills must be airtight to withstand any challenge. The information needed to apply for government services must be accurate and consistent with existing policies and procedures. It is great to offer an employee consumer protection guidance. However, mistakes make employees doubt the quality, and it does not matter if the error was unintentional. Continue reading

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01the-importance-of-a-comprehensive-legal-plan-article-4102-thumb-320x210-86253-thumb-320x210-86254-300x213Employees need help with their money, and they appreciate anything an employer can do to help with personal finances. Creating a personal budget is something many need help in developing.

It seems odd for an older person, but a newly hired employee, fresh out of school with excellent technical skills, might never have created a personal budget in their life. They live from day to day on Ramen noodles and live in a dorm. Now, they are in the workforce, and they are not quite sure how to manage their finances. Continue reading

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stockfresh_1627257_estate-planning-word-cloud-concept_sizeS-300x300Benefits that promote an employee’s financial well-being should be the focus of every organization. The threat of Great Resignation departures is everywhere, and retention is crucial. Security is essential for many, and estate planning is part of the process.

Avoiding Disasters

There is paperwork connected to estate planning that people cannot ignore. A last will is essential. Too many people think they only have to write their wishes on a piece of paper. That would be an easily contested document. The last illness can carve huge holes in an estate, and no one knows what an unconscious person wants to be done regarding final healthcare. Three documents will prevent an estate calamity: a simple will, a living will, and medical powers of attorney. A Countrywide Pre-Paid Legal Services benefit offers all of these. Continue reading

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stockfresh_225020_eraser-and-word-debt_sizeS-300x200People will do the best they can to stay financially stable. But unfortunately, there are times when their best is not good enough. Bad things can happen because of the layoff or unexpected debts. For example, credit cards get out of hand, and homeowners can no longer meet mortgage payments. As a result, a person’s finances are going underwater.

 

You can’t blame Christmas shopping for all of this. Indeed, many problems that lead to bankruptcy court result from years of poor financial decisions and bad spending habits. Anyone who is facing bankruptcy knows the stress and anxiety. It sometimes feels like the walls are closing in, and there is no way out. Continue reading

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immigration-doors-300x288Foreign-born workers see America as the land of their opportunity. The jobs they hold enable them to use their skills, and they enjoy the conveniences we often take for granted. However, America is a strange and different country to many. Our way of life is hard for them. High-quality group legal plans help these hard workers successfully handle essential issues.

Common Hurdles

A foreign-born associate often faces these obstacles: Continue reading

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stockfresh_260360_read-the-fine-print_sizeS-200x300The first few months of the new year are when apartment leases might need to be renewed. Employees may think that this is just a routine matter, but, unfortunately, there is more to it. Signing a new lease is not without risks. A tenant must be careful.

Significant Clauses Might Have Changed Continue reading

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stockfresh_6378534_financial-freedom-concept_sizeS-300x192Everything starts fresh in the New Year. The budgets are approved for 2022, and programs are starting everywhere. It can be stimulating except for people with health problems. The group health insurance deductible is renewed, and it must be paid first.

Folks can get very worried about healthcare costs. Surgery and physical therapies can be expensive, and deductibles of up to $5000 are common. The cost is on top of expenses already incurred by the holiday season. So, it is easy to see why people get anxious. Continue reading

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stockfresh_479551_house-in-hand_sizeS-300x200Many people are tired of renting an apartment and would love to have a home of their own. It does not need to be anything fancy; a three-room bedroom and two bath house is plenty. The challenge a person faces is a lack of understanding of the real estate market. A first-time buyer is vulnerable.

Flying in the Dark

Real estate is a major industry in the United States, and it is one with its own vocabulary and procedures. Not everyone understands it. Someone who has never purchased a house before is not aware of the importance of preapproval letters, title searches, and personal liens against the property. These all have an impact on a house purchase. Continue reading

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stockfresh_6387113_gavel-and-stethoscope-on-table_sizeS-300x200Many people make a New Year’s resolution to lose weight, learn a new language, or clean the garage. The whole idea is to set an easy goal to achieve and make things better. Some brilliant people resolve to put their financial house in order, including estate planning. Of course, a person wants to make sure that the last will is drawn up. Nevertheless, this is just part of estate planning. There is an essential document that an individual should work on as well. It is called a living will. Continue reading