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Money does matter. It is central to any independent living and younger employees find that out in a hurry. These employees might not have a good idea of how to handle cash. They are receiving their first sizable paychecks and are uncertain what to do.

It could happen that a person does not know where the money is going and ends up at the end of the month using a credit card to get by. That can cause a problem because credit cards charge double-digit interest. It helps to understand budgeting when it comes to financial wellness. Countrywide Pre-Paid Legal Services recognizes that, and our certified counselors are experts in personal budgeting. Continue reading

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Employees are concerned about financial wellness. They budget for loan payments, medical bills, and contribute to a 401(k) retirement plan. These are all financially prudent behaviors, but there is more to fiscal responsibility. Those concerned about personal financial wellness might forget about their dependents.

Estate Realities

An inheritance is not always the path to a pampered life. An estate can pay large bills and help a son or daughter pay for college. People forget about drafting wills and die intestate without a will. This could jeopardize the financial health of survivors. Countrywide Pre-Paid Legal Services helps employees plan for the financial wellness of family members with a simple will plan option. Employees usually don’t require a lengthy document; six pages will suffice. A Countrywide group legal plan attorney can draft a simple will. It is not complicated, but there is power in the paragraphs.

Delays are the greatest challenges to an estate. Probate court takes its time moves at a slow, judicious speed. Things will go even slower when there is no will. Continue reading

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Quite a few people have found themselves in financial trouble since the Great Recession of 2008. They are still trying to recover from the losses and some are deep in a financial hole. Debt brought on by many circumstances will put enormous pressure on individual employees. Their financial wellness is in deep jeopardy.

Countrywide Pre- Paid Legal Services is aware of the suffering of these folks. They might make drastic decisions, and these might lead to life-altering events. Some are willing to risk credit catastrophe because they do not know their options. We know there is a better way. Countrywide has a financial wellness program that we ask employers to consider. Our services are exactly what a person in dire straits needs to get back on the right course. Continue reading

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Learning is not always easy. Too many people are forced to learn life’s lessons the hard way. It is especially true when it comes to financial wellness.

There is a new generation of employees, the Z Generation, coming out of colleges and universities and ready to work. They have great technical skills but are naïve about finances. Those new employees are not used to simple budgeting or domestic finances. They will make bad decisions, like relying on credit cards too much.

They Could Use Some Financial Wellness Education

They need some education and Countrywide Pre-paid Legal Services will furnish it. We have a network of certified counselors who are well versed in personal finances. These professionals will teach a good lesson and not deliver a sour sermon.

College debt is a big concern for new graduates. Countrywide counselors can explain all the payment options. The counselors will help young employees develop a realistic budget to meet ordinary expenses, and plan for future purchases. Other employees will also benefit from our services. Continue reading

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Many people are wary of contracts and other legal documents. They hear stories about possible traps in the clauses and don’t want to be cheated. Such fear often results in folks refusing to sign legal papers. Countrywide Pre-Paid Legal Services knows all about this hesitation. Our group legal plan benefit includes a review of legal documents option.stockfresh_260360_read-the-fine-print_sizeS-200x300

Contracts Can Be Confusing

Legal documents are not drafted to intentionally deceive. The language of the law, however, can be vague and confusing. A good lawyer can interpret the wording. Countrywide has a national network of attorneys who provide pre-paid legal services. We allow those legal professionals to review up to six pages of legal papers (This is the standard size of most contracts).

Contracts are not the only legal papers to come up under a Countrywide attorney’s scrutiny. Lease agreements for apartments sometimes can be a little bit shady. The landlord might use a lease document which is valid in another state, but not in the one where a plan member resides. The Countrywide attorney can quickly discern the discrepancies, preventing a group legal plan member from entering into an invalid agreement. The landlord who tries to use an invalid lease will change his or her mind as they discover that a lawyer has read the agreement. Continue reading

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No one should assume their group health insurance covers everything. It doesn’t. There are certain medical procedures the plan will not pay. There are other kinds of healthcare where the insurance company will pay only a fraction of the cost. Combined with a high deductible, a person’s financial wellness may be in trouble.

Medical Expenses Can Be A Challenge

Medical expenses will hit hard. The final bill can be in the thousands of dollars. People may panic and make hasty decisions when confronted with the entire cost. Countrywide Pre-Paid Legal Services is aware of the anxiety. We offer a financial wellness plan to make sense of those large doctor bills.

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Countrywide is justifiably proud of its pre-paid legal services. Options such as drafting a simple will or help with warranties are what employees want. Nevertheless, excellent service is a mandatory feature of good group legal plans. Countrywide Pre-Paid Legal Services has some of the best plans in the industry.

Personal Meeting Are Possible

Some legal services, such as drafting medical powers of attorney, are personal. A group legal plan must have more than an FAQ page on the website. Personal meetings are necessary. The Countrywide national network makes it easy to arrange for a face-to-face meeting with a local attorney. A plan member can discuss issues with an experienced attorney in a meeting set up at a mutually convenient time.

Advice is great, but going the extra mile is even better. A good lawyer is a good negotiator. That professional can make the other side see reason. This ability enables an attorney to end many disputes without a day in court. Countrywide provides ways in which a lawyer can go beyond offering only counsel. We permit the lawyer to write letters on behalf of the group legal plan member. This can help when dealing with public agencies, composing a will, or any pre-paid legal services benefit needing written evidence. Continue reading

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It is not easy for a foreign employee. That person might be here on an H-1B visa, or have green card status but, either way, he or she is in strange world. Public agencies make it hard for them. Forms require completion and there are administrative deadlines for applications which these newcomers don’t understand. It gets frustrating.

We Explain Bureaucracy

Countrywide Pre-Paid Legal Services understands the problem. We work with all kinds of organizations and the workforce may have a mix of foreign-born and native-born American employees. We believe the newcomers ought to get the assistance they must have and help dealing with government bureaucracies is a Countrywide group legal plan benefit option.

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Graduation is a special time for any student. The long hours and the sacrifice paid off and the individual will walk down the aisle in front of a proud family towards the diploma. This needs to be a time of celebration but that is not always the case. Too many students walk out of the graduation ceremony into a world of debt.

We are talking about student loan debt which can be comparable to the cost of a house. It is a burden that many have a hard time carrying. The amount of the monthly obligation can harm financial wellness if there is no outside support available. Continue reading

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You cannot blame anyone for feeling anxious about debt. The great recession has made many people very sensitive about money. Financial wellness can be endangered by too much debt and that causes a lot of worry. Forward thinking organizations must address this worry and help relieve it.

People ordinarily budget for routine expenses but sometimes events happen unexpectedly. It could be a medical bill or notification that the student grace period has ended. That can toss a budget into a world spin. One can accidently forget to pay the credit card bill on time. That results in penalties. Consumers can get bewildered and this does not help maintain financial wellness.

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