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Deductibles Create Sizable Expenses

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Folks are understandably concerned about credit card debt and college loan payments. There is another major financial presence in the room and has to do with health. Medical care is not inexpensive at all. In fact, some of those bills pose a real danger to a normal person’s financial wellness.

Deductibles are the Problem’s Source

Organizations have tried to control costs by raising the deductible in their health plans. It is a management decision with which most healthy people have no problem. However, anyone who must have surgery for a broken arm or leg knows what the price can be. Such medical attention can cost thousands of dollars, and the deductible must be met before full coverage kicks in. Moreover, the deductible starts all over again each year, so that anyone who has therapy in one year may be paying even more if the therapy also takes place in the following year. Some employees are drowning in a sea of medical bills. Countrywide Pre-Paid Legal Services is aware of this dilemma. We choose to respond to it by offering medical debt assistance in our financial wellness program. Continue reading

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No One Should be Stuck With a Faulty Product

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Consumer protection is not meant to antagonize or annoy any business. Instead, the laws are in place to protect consumers from unethical establishments. It is unfortunate, but in the marketplace, there are those who wish to take advantage of unsuspecting people. They’re able to get away with a lot of mischiefs because victims are hesitant to file complaints. A group legal plan with consumer protection service is important.

Our high-tech society is full of gadgets and services catering to sophisticated data search. Not all of these are high-quality, and some are very defective. A person should not have to pay for any poorly made merchandise. Pre-paid legal services ought to have options that will allow a person to file consumer protection complaints. It would allow consumers to seek redress as well as warn other companies of consequences. Countrywide Pre-Paid Legal Services includes consumer protection as an option for a group legal plan. Continue reading

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Millennials Want Assistance from Employers

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Student debt is a big topic at the dinner table. Families with college kids talk about it all the time, but the anxiety does not end once that student graduates. Instead, after the six-month grace period, the bills start coming in, and they are enormous. Undergraduate debt can be in the five figures, and when graduate debt is added a young person faces perhaps $100,000 or more of college debt. This has a major effect on financial wellness.

Avoidance of Forbearance

Recent graduates who have landed that first job are in the process of making the major life decisions. These judgments are influenced by the amount owed to the government or lending institutions. The college debt can force choices a person does not want to deal with. There are cases where young Millennials simply try to ignore the bills they owe and seek forbearance. Countrywide Pre-Paid Legal Services appreciates the state of mind of these young people. We know it is a sobering process to deal with college debt, but it is not an impossible obstacle. We have financial wellness counselors to help. Continue reading

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Budgeting is easy the More You Know

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It is an old story about domestic finances. People are living from paycheck to paycheck. There doesn’t seem to be any rhyme or reason to what is going on. It happens when people refuse to budget. That doesn’t seem to be a problem until other expenses besides groceries come into the picture. Financial wellness is threatened by a refusal to itemize expenses against income.

The Source of the Problems

Budget difficulty springs primarily from debt. It isn’t gasoline or the cable bill, but credit cards, mortgage loans, student loans, and perhaps some medical expenses. These can add onto obligations and an emergency bill can make things even worse. People end up spending more than they are making. It can happen to anyone, especially somebody who feels obligated to pay everything at the end of the month. Continue reading

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Countrywide Will Draft One for You

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Drafting wills is a common benefit of a group legal plan that some folks avoid. The last will is not on everyone’s daily bucket list, and there are those who want to forget about it. This is a recognition of mortality but drafting a will is a pre-paid legal services benefit that cannot be ignored. It helps prevent time from becoming a real thief.

Intestate is a legal term for an estate for which there is no will. Those estates which have a simple will attached to it move quickly through the courts. Intestate situations do not. Instead, they become a matter for the probate court which takes a very active role. Continue reading

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Countrywide Knowledge Saves Dollars

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The current news indicates that the price of housing is starting to climb. The days of the marketing slump are over, and the cost of the house is becoming expensive. It means that many people were looking to buy a house need to take some serious steps right away.

It Is a Major Decision

A home purchase is perhaps the largest investment any consumer will make. A mortgage of over hundred thousand dollars is not out of the question, and you should be careful. Financial wellness will be in jeopardy if the wrong move is made.

The challenge many people face is lack of knowledge. Most first-time homebuyers do not understand the market, and not knowing what to do can cost them thousands of dollars. Countrywide Pre-Paid Legal Services knows how important it is to make the right move in the housing market. Our financial wellness program includes a housing education option. Continue reading

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The Language Need Not Be Confusing

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Consumers like warranties. The possibility of getting reduce costs on repairs and new parts is attractive, and car dealers and other merchants are willing to sell warranties to the public. These business people know that warranties are rarely invoked, and the selling price is easy cash. Nevertheless, warranties are sometimes cited in repair work, and people run into problems. Group legal plan assistance is necessary to unravel the mess.

It is All Bout Words and Phrases.

Original Equipment Manufacturer (OEM) and After Market Parts are common phrases in an automobile warranty but are unfamiliar to most people. Not knowing the language is perhaps the biggest difficulty with warranties. Countrywide has a nationwide network of attorneys who are well-versed in the language. One of the pre-paid legal services these professionals provide is to interpret the warranty itself. A meeting with a Countrywide lawyer will help uncover the problems and provide clarity. Continue reading

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Countrywide Counselors Provide the Best Advice

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More and more surveys are noting that Millennials want help with their college debt. The figures each graduate owes is very high and has a serious impact. The financial wellness and quality of life of the individual can be harmed by college debt. If these bills are left untended, bankruptcy and credit problems will surface. There are other consequences as well.

The amount of money owed will impact on life decisions. Recent college graduates may have to forgo buying a house or saving money for other reasons. The college debt must be paid and other bills are still waiting for cash. Organizations do not have to give direct financial subsidies to these people who are facing tough financial situations. Many times, expert advice works just as well. Countrywide Pre-Paid Legal Services has a nationwide network of certified counselors stands ready to offer assistance. These are professionals who have experience with telling people how to best manage large amounts of debt. Continue reading

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Credit Monitoring Will Sound Alarms

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We all have good reason to worry about hacking. It is the most common form of cyber theft and is an industry by itself. Hackers are very sophisticated in the work that they do and pose a very serious threat to financial wellness. It takes more than a standard group legal plan to confront these criminals.

Hackers Are Getting Better

Hackers have become increasingly more ingenious and bold. This year has already seen both Chipotle, and Verizon hacked by outside parties. These Internet thieves are not creating individual credit card accounts with the information. Instead, they are selling bundles of stolen data to others who will then use the information for their own purposes. It can be very frightening. Continue reading

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The Medical Bills Can Be Staggering

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Employees expect to pay medical premiums either bi-weekly or monthly. They’re able to budget for these expenses and know what the figures will be. Something that is extremely difficult to budget for, and catches a person by surprise, is the medical deductible. It has the potential of harming the financial wellness of anyone.

Employers in the past few years have tried to contain medical insurance costs by raising the deductible. It means that deductibles that were once one or $2000 are now up to $5000 per year. The crisis sets in when someone has an illness or condition that is not temporary. Continue reading