by

stockfresh_8590344_senior-businessman-calling-on-smartphone-in-city_sizeS-300x200Election 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 take effect.

 

Changes can be confusing. New deadlines and procedures will take some time to get used to, and government agencies might be slow to respond to service requests. Anyone who needs help can get very annoyed with the delays. Remote workers who were already trying to cope with work changes might experience more significant stress. Group legal plans ought to have services that will help, but not all do. That is not the case with us.

 

Countrywide Pre-Paid Legal Services helps with government agencies. We cut through the red tape to allow our group legal plan members to get what they need from the bureaucrats. Continue reading

by

stockfresh_765008_help-me-please_sizeM-225x300COVID-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 to discover that there are some serious challenges to having people work outside the office. The interaction that was taken for granted now seems to be more critical. There is daily contact with other people that remote working cannot provide. It adds to a feeling of tension and stress. Continue reading

by

stockfresh_2662466_last-will-and-testament-concept-of-estate-planning_sizeS_124228-300x196End 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. It is the best way to keep the probate court from dominating the final distribution.

 

The Danger of No Will

 

A person who dies intestate has left this world without leaving behind a will to give instructions on how to distribute the estate. It results in a nightmare that involves probate court to the hilt. The lack of a will means there is no executor, and the court will appoint an administrator of the estate. That unlucky person is answerable to the court and must get court approval for even the smallest actions. It results in the final estate distribution being delayed for months. Continue reading

by

stockfresh_225020_eraser-and-word-debt_sizeS-300x200People 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 the financial wellness crisis would be fantastic. Countrywide Pre-Paid Legal Services has benefits to help people facing bankruptcy. The services will also help those in bankruptcy work their way through it.

 

Certified Counselors Will Assist Continue reading

by

lastwilltestament-300x200People 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 of it as end-of-life financial planning, and the document gives instructions on what is to be done with you and your estate. Group legal plans will offer simple wills but, another type, just as important, is the living will.

 

Preparing for a Possible Future

 

Death does not always come as a heart attack. There are situations where a person can be in a vegetative state for weeks, if not months, before finally dying. Some decisions must be made when a person is in a coma and cannot communicate them. Healthcare providers are committed to preserving the patient’s life, and that can mean placing someone on life support, even if the person does not want that.

Continue reading

by

stockfresh_8628298_sort-index-card-with-referrals-3d_sizeS-300x200Group 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. These are important, but sometimes a group legal plan member might need something else. Adoption, real estate, immigration, and divorce laws are examples of specialty areas within the legal system. A plan attorney may not have the necessary expertise to be useful. Clients do not want any excuses; they want service! Countrywide Pre-Paid Legal Services can assist the plan member even if it means going outside the standard plan benefits. Continue reading

by

stockfresh_2142927_family-holding-a-sold-sign-outside-their-home_sizeS_62ad93-300x200Folks 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 a more optimistic view of life. Organizations have an opportunity to help their employees become better money managers.

 

Financial security is not built on some complicated economic model. An ordinary person can be an excellent money manager who can meet all recurring bills and save money for sudden emergencies. Getting some good advice is vital for sharpening money management skills. Countrywide Pre-Paid Legal Services can help. Continue reading

by

 

stockfresh_5532754_home-mortgage-concept_sizeS-300x300The 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 attractive since more people are looking to have workspaces.

 

 Some people might be frustrated because they cannot afford a house. The good news is that there is a rhythm to the housing market. The demand might soften and what is a sellers’ market can become a buyers’ market. There is time to get ready. Continue reading

by

vacation-rental-home-warranty-300x300-300x300

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 automotive maintenance work done at a dealership. Another establishment can do routine maintenance such as oil changes, replacing pads on the brakes, and working on the distributor. The warranty must show how long the warranty is in effect (ordinarily three years) and over how many miles (36,000 miles is the standard mileage limit). Aftermarket parts (AFP) are different from those of the original equipment manufacturer (OEM). Using the former does not necessarily mean the warranty is void. Continue reading

by

stockfresh_4971788_student-loan-debt-installment-payment-check-money-paid-back_sizeS-300x300College 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 hanging over a person’s head. The balances can take 20 or more years to pay, and many life decisions are postponed or never realized. It is frustrating for any young employee to have a school debt the size of a mortgage. Continue reading