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small-claimsEmployees struggle with both work-related and personal stress issues. Money is at the top of the worry list. It sometimes seems that creditors are in a conspiracy to drive a person insane.

 

Major Causes of Anxiety

 

Financial wellness takes hits from all directions. Credit card debt, with the double-digit interest rates, can keep folks pacing the floor at night. Other problems impact specific demographics harder than others. College debt weighs heavily on young employees and especially recent college graduates. People in their mid-30s may be worried whether they can finally afford to buy a house. Older employees are grateful for the company’s health insurance, but the high deductibles are a serious mountain to climb. The need to save some money becomes an issue the older a person becomes. Continue reading

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stockfresh_2662466_last-will-and-testament-concept-of-estate-planning_sizeS_124228-300x196Folks like to save money and DIY (Do It Yourself) appears to be the way to save some cash. We will not deny that DIY is cost-effective in some cases. Drafting the last will and testament isn’t one of them.

 

Do You Understand the Language?

 

Legalese has a dictionary of words and terms that are not easy to understand. The meaning and enforcement of a legal document depend on the correct use of statutory language. Making a mistake or error of omission in a will is going to result in an estate problem. Continue reading

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stockfresh_3665498_cost-and-value_sizeS-300x200Tax season is the time when we realize how much the government takes from our paychecks. Our dollars fund public services at all levels, but how can an employee get required help from the government? It isn’t always easy.

 

Tons of Paperwork

 

The public sector needs completed paperwork. Licenses, permits, and exemptions have forms to fill out and be filed by the right agencies. Mistakes may force a person to start all over again; the same is true for missed deadlines. Dealing with a government department can be frustrating. Continue reading

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stockfresh_479551_house-in-hand_sizeS-300x200Real estate agents on television will showcase the house bargains that are just waiting for a buyer. They will stress the positive, but once the house is sold, the buyer learns the negative.

A naïve first-time home buyer isn’t aware of the pitfalls of real estate. The house might have structural problems and the buyer might be using a balloon mortgage to pay for the home. Financial wellness might soon be at risk.

 

People Need Real Estate Education

 

A house is what every employee would like to have. Unfortunately, not every person understands real estate. Housing and mortgage financing can be a real mystery. Whether a person is buying a dream, or a nightmare depends on what he or she knows. An employer can help by offering a financial wellness program that includes education. Countrywide Pre-Paid Legal Services provides a benefit that has a real estate education option. Continue reading

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stockfresh_8439488_keyboard-with-blue-keypad-consumer-protection-3d-illustration_sizeS-300x200Buying a warranty looks like a smart consumer decision. It means that if a problem arises, repair is covered by the retailer who sold the product. It is no secret that many retailers will strongly promote the purchase of one, but it does not mean the consumer is safe and secure. There can be issues in the warranty that will lead to a lot of frustration.

Areas of Concern

A standard warranty is going to have certain provisions that must be followed in order to get this contract honored. The warranty may specify that only certain repair shops will accept the warranty. There also might be a definite amount of time and after that the warranty is no longer in effect. Still other warranties insist that only certain parts are permissible, and the warranty owner may have to pay for the purchase of such parts. Continue reading

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01the-importance-of-a-comprehensive-legal-plan-article-4102-thumb-320x210-86253-thumb-320x210-86254-300x213Human resources understands the impact of depression on productivity. People who have anxiety or disturbing thoughts are distracted. Deadlines and business benchmarks might be ignored as a person tries to deal with inner demons. Depression can be expected any time a person’s financial wellness appears to be in jeopardy.

Hard Lessons in Life

Young employees are especially vulnerable to stress brought on by finances. This is more than just having to deal with a personal budget for the first time. Many are faced with paying off college debts that are staggering. Others must deal with credit card obligations and even health issues that can drain a normal paycheck. Worries about finances will affect a person’s decisions. The opportunity to buy a house may seem to be completely out of reach and saving for the future looks out of the question. Continue reading

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stockfresh_3558891_lawyer-and-client-in-office_sizeS_487dc8-300x200We want to begin this article by telling you that a living will is an excellent idea. Accidents can happen, which leave a person in an unconscious state, and nobody knows what this almost lifeless individual wants to be done regarding medical care. A living will, if adequately written, spells out exactly what type of treatment is desired and whether the person wants life support systems turned off. Group legal plans will have drafting a living will as a benefit option and will market the idea to people. Nevertheless, we encourage caution.

 

A living will is not a DIY project. Additionally, using website templates to craft a document is not really a good idea. There could be some problems when professionals do not draft living wills. Continue reading

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stockfresh_1104622_falling-credit-cards_sizeS-300x200People, by now, realize they were perhaps a little bit too generous at Christmas time. The credit card statements have come in and the debt balances are higher than usual. This can be a direct threat to the financial wellness of some people. The credit card debt may already be substantial and they are paying double-digit interest rates on the balances.

 

The figures can be frightening and may lead to some drastic decisions. A person has to be cautious in dealing with credit card debt, however. Paying the monthly minimum is essential, but too much can leave a consumer strapped for cash and not able to fully pay other obligations. Some have no concept of a personal budget and are floundering. Credit card balances can be managed and can be lowered. It requires a little strategy along with frugality. Continue reading

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stockfresh_4665102_student-loan_sizeS-300x300It is a new semester on college campuses and the last one for many seniors. College days are about over, and the monthly student debt bills will soon begin. Some seniors already have accepted job offers, but loan repayments might take a big portion of their paychecks. The cost can harm financial wellness.

 

College debt can be enormous with a person perhaps owing more than $100,000. New graduates have not faced the payment obligations the size of a house mortgage. Drastic steps such as forbearance and even declaring bankruptcy can appear to be the only options. However, desperate decisions are not necessary. Continue reading

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stockfresh_5987416_customer-relationship_sizeS-300x200Automation and the Internet are meant to make things easier. Benefits enrollment will have dedicated websites and people can change their 401(k) donation mix online. Everything is intended to be more efficient, but it doesn’t always make things better. The human touch is a critical component of benefits quality. Group legal plans must remember that pre-paid legal services require personal interaction.

 

The Law is Mysterious

 

Legal procedures have distinct steps to follow. Language in documents like living wills has unique definitions and may not be altered. The legalese mystery can create considerable anxiety. Continue reading