stockfresh_6378534_financial-freedom-concept_sizeS-300x192We are pretty much done with the pandemic years. Covid 19 is still with us, but recent job figures are reassuring. Unemployment is currently not a problem. Americans can feel relieved but must stay concerned about the future. New storm clouds are gathering.

Inflation and Interest Rates

The June inflation figures are 9.1%, the highest in over 40 years. Interest rates are starting to go up as well. Neither is a good sign. The statistics can negate any pay increases or job promotions. American consumers adjusted their spending during the pandemic, and some decisions were not wise. Moratoriums on college debt, evictions, foreclosure, and other obligations made life bearable, but not everyone saved for a rainy day. Continue reading

vacation-rental-home-warranty-300x300-300x300There is no question that merchants love warranties. They are the little extra that is added to the sale of a product and increases the profit derived from the original purchase. There is nothing wrong with warranties if you know what you are getting into. Unfortunately, many consumers do not. That can cause some rough problems.

Many warranties are a piece of paper with lots of words on them. In a rush, buyers do not have the time to read every sentence, and they agree to one based on what the sales representative is saying. A smart person is going to investigate that warranty before agreeing to anything. Some questions need answering.

  1. What is the length of the warranty?

Continue reading

stockfresh_6779024_person-hand-over-social-security-disability-claim-form_sizeS-300x200Many people get upset with government agencies. Whenever help is needed, there is some excuse not to give it. The delays and red tape make people give up on applying for government help.

That is not the best idea. There are services available from Social Security or the Veterans Administration that will make life easier. Family members who need special assistance, such as health aides or tutors, are worth going the extra mile for anybody. There are ways to work with government agencies that do not require elaborate strategies. Here are some thoughts. Continue reading

stockfresh_7102501_college-debt_sizeS-300x300People with college debt are worried with good reason. They are dealing with a debt load that takes years to pay off. Life decisions such as buying a house or starting a family can be delayed for years. There does not seem to be an easy way out.

Dealing with Debt

Countrywide Pre-Paid Legal Services understands the frustration. College debt makes it tough to pay the rent and buying certain luxuries may be out of the question. People who have such obligations need help and not stern lectures. We have a financial wellness plan that is a significant employee benefit. It gives support to those who might be giving up hope. Continue reading

stockfresh_7560715_multitasking-woman_sizeS-300x300We understand why folks get anxious about the cost of everything. America has not seen the recent inflation figures in decades. The cost of living affects everyone. Sadly, rising prices are hurting plans. It is easy to get depressed and be resigned to not being able to own a house, ever.

House Hopes Are Falling

While some experts anticipate that the price of houses will go down, the mortgage interest rates are going up. It is a squeeze that frustrates people. The thought that a home is unaffordable is sufficient to make anyone give up on being a house owner. However, we think that no one should lose hope. The house is still affordable without sacrificing financial wellness. Our self-study program, “Make Your Move,” gives many valuable home buying tips. Continue reading

stockfresh_4514580_referrals-3d-words-connected-arrows-new-customers-word-of-mouth_sizeS-300x300Countrywide Pre-Paid Legal Services is proud of the assistance we give the employees of our client organizations. Our nationwide network of attorneys offers help in resolving common legal issues that people encounter, and these legal experts always show an elevated level of emotional intelligence and empathy. However, we do admit there are times when a plan member’s needs go beyond what we can do for them.

 

Some areas of the law, such as immigration, adoption, or personal injury, require specialized attention. Attorneys proficient in various legal niches spent considerable time learning the nuances of their specialties. As a result, they often charge higher fees. Countrywide will not hesitate to refer a plan member outside our network if the need arises. Continue reading

stockfresh_6378534_financial-freedom-concept_sizeS-300x192Half of the year has gone by, and this is a time for evaluating progress. People set financial goals in January and take a moment now to assess how they are doing. Changes or modifications might be needed to clear any obstacles.

Facing a Challenge

Everyone is feeling the effects of inflation. The June figures were high, and food and gasoline prices are not decreasing. Money is tight, and the average consumer must stretch the dollars to cover the bills. This belt-tightening is coming at a tough time. Continue reading

stockfresh_5987416_customer-relationship_sizeS-300x200We readily admit that legal services can be a fleet of paper sailing on an ocean of ink. There are so many written documents that it almost appears that every issue has its library. It is all important, but there is something more critical to high-quality legal services. That is communication.

It Moves Things Along

Group legal plans will promote their services and the Internet connections. It is great to have websites and important to have FAQ pages, but there is more to good pre-paid legal services. Many people are intimidated by the law. What makes sense to an attorney on a website can baffle an average employee. There must be more to communication than templates. Continue reading

stockfresh_7251761_consultant-showing-document-to-couple_sizeS-300x200We did not get good news from the Consumer Price Index in May. Inflation went up 8.6% from last year, the highest rate in over 40 years. Washington has promised to do something about inflation, but we do not know when we will see positive results. In the meantime, consumers must deal with the rising cost of nearly everything.

It means that pay raises and promotions, which ordinarily provide more spending income, can barely cover the rising costs. That causes considerable stress and aggravation. Unfortunately, we do not have any magic spell or potion to cure inflation, but we will give you a few tips on how to do some due diligence on your budget. Continue reading

stockfresh_1627257_estate-planning-word-cloud-concept_sizeS-300x300We understand why people hesitate to draft a final will. It is not easy to put it on the bucket list when there are bills to pay and kids to raise. Nevertheless, this is an essential document.

Lawyers Are Essential

A simple will does not have to be a chore. Six pages of text are sufficient for most people. We do not recommend the simple will as a DIY project, however. The legal language used in the document is very precise, and mistakes will lead to heartaches and headaches. Continue reading