Articles Tagged with Financial Wellness

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Identity Theft Word Cloud Concept with great terms such as privacy, bank, account, numbers, credit cards and more.

ID Hackers Are a Problem

Christmas shopping is now getting into full swing. You don’t want to head out to the shopping mall and fight the crowds, so you decide to use a retail website instead. You’ve always been told these are very secure and you have no problem sharing your credit card information on the site. You also aren’t concerned with warranty problems because you have a good legal plan. However, you still have something to worry about.

You Need Protection from Hackers

It is sad but true that hackers have become better at breaking through security walls. You only need to look at the newspaper to read about large retail companies having their security breached. Your financial information may be at risk, and you will not even know about it until weeks later. Countrywide Pre-Paid Legal Services is sensitive to the significant instances of cyber-crime in our society. We have ID theft and credit monitoring benefits. Continue reading

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credit cards

Keeping Plastic Under Control

It was not so long ago that missing a credit card payment could be a disaster. The credit card companies would add to the interest charges, and you could easily be paying 25% or more on your balance. Those days are over, and credit card companies will charge cash amount penalties. Nevertheless, you still have a lot to pay.

Tempting the Consumer

Credit cards are seductive little pieces of plastic. You end up spending more when you use a credit card instead of cash. Promotions come in the mail all the time, enticing you to open even more accounts. You can find yourself falling behind, and minimum payments will not always allow you to catch up. Financial wellness can be placed in severe peril.

A person can easily have several credit cards with different payment dates. It only adds to the overall confusion but, unfortunately, there is a way out. Countrywide Pre- Paid Legal Services helps provide an escape. We do this with our financial wellness program. Continue reading

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dollar sign stones

We do not yet know what the future is going to hold for health insurance. There’s been talk of amending the Affordable Care Act, if not doing away with it entirely. No matter what Congress decides, many people are faced with the deductible on their insurance policy. This can be a real nightmare which can balloon out of control. Continue reading

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woman shouting into smartphoneThe first experience many people have with government service is being placed on hold. This is not because some social worker is going on a coffee break, but the individual has accidentally contacted the wrong office. It happens when people do not understand how to get through all the various steps getting needed assistance. A group legal plan must be able to help a person walk through the forest. Continue reading

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Financial wellness is quickly becoming a major topic in the benefits industry. The after effects of the 2008 Recession, with its crushing impact on mortgages and credit cards, is one of the reasons for decision-makers to look at a means of helping employees with business advice. Millennials are saddled with mounting college debt and employers know how devastating this can be. It is no surprise that vendors are stepping forward with what look to be amazing plans for organizations to think about. We suggest management think very carefully. Not all of these schemes are effective. Continue reading

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                                                                                There are Other Ways Out of Debt Trouble

spider pocket

 

A recent college graduate does not always have the tools necessary to deal with financial challenges. College debt is a major issue. Many people leave college with debt well into the five figures and are not quite sure how to handle it. Regrettably, they sometimes take the easy way out. It can jeopardize financial wellness. The most common steps taken are to use forbearance or, in extreme cases, declaring bankruptcy. Forbearance essentially allows a college graduate to put off until tomorrow the debt which is owed today. This does not make the obligation go away. Instead, it means that college debt is something that takes years more to pay off. Continue reading

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Suffering From Debt with a Victim Crying Male

Debt problems do not always result from one major bill. Ordinarily, a person runs into problems paying many obligations, including mortgages, auto loans, credit cards, and student debt. While paying the minimums is one strategy the money must be set on time. If it isn’t, penalties will be assessed. It may take a matter of a few months, and the individual is suddenly in a debt trap. There is more money going out than money coming in, and bankruptcy appears on the horizon. This is not a good situation at all. Continue reading

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It is always better to settle things out of court. The legal process can be very complicated and take time. However, there are circumstances that arise which require bringing the case before the judicial bench. Small claims court is that branch of the judiciary most people deal with. It can be a little bit complex but you can manage a small claims case if it is necessary. A good group legal plan can certainly make things easier. Continue reading

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stockfresh_299770_broke_sizeSMedical expenses terrify many people. Simple surgeries which may help a person are avoided because of the dread of the cost. With deductibles ranging up to $5000 or more, this anxiety is understandable. The financial wellness of many people hangs on the ability to pay those bills. Continue reading

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Home Buying Education Helps Buyers

Model house in woman's hand

Model house in woman’s hand

The Information Can Save Thousands

 

Not everybody is in a financial wellness crisis. Most people have their finances well in hand and are making needed payments. The same people may need advice on major expenses they’re contemplating. Buying a home is a major financial transaction. Advice on how to buy a house can be very worthwhile and save thousands of dollars. Countrywide Pre-Paid Legal Services offers education on housing to help people make better decisions. Continue reading