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Contracts are a mystery to many people. These are pages of paper with language that ordinarily is not used that spells out obligations and consequences. It can drive a person crazy trying to understand any of the sentences.

The same is true for credit card agreements and that gets a little bit dangerous. People get credit cards and don’t understand the agreements surrounding the use of the plastic. It doesn’t take long for a person to get into the penalty clause area, something they don’t fully understand, and get into serious financial difficulty. Group legal plans should have some way to help people with the legal papers. Countrywide Pre-Paid Legal Services does assist. We help group legal plan members understand those documents they are about to sign.
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Older people often accuse Millennials of being irresponsible and spendthrift. They frown at some of the things that Millennials do and believe these younger people do not understand value. Millennials do care about their money but there’s something different about our society that wasn’t there 20 or 30 years ago. It is spending opportunities more than any baby boomer ever confronted.

The reach of social media and the Internet is very extensive. Consumers are bombarded with ads not only on their laptop but also on their mobile devices. Companies have made it incredibly easy for a consumer to purchase something online. The spending opportunities can pose a threat to financial wellness. Millennials need some good advice and Countrywide Pre-Paid Legal Services has much to offer.
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It is almost ironic how a person’s financial wellness is affected by health. What appears to be a robust bank account, full of savings, can be depleted by one hospital bill. It can come as a shock.

People take for granted that their medical coverage will take care of much of their bill and that is often true. Nevertheless, there is deductible, and deductible amounts have risen steadily over the last few years.  Domestic accounts can go into a tailspin due to a medical procedure or therapy. Countrywide Pre-Paid Legal Services understands the threat that medical bills have to the health of a person’s finances. We have a program intended to provide necessary advice.

Any correspondence from a health insurance company can frighten a person. An Explanation Of Benefits (EOB) is not a bill but some people think it is. Reading causes a certain amount of worry until the individual finally calms down. The anxiety is the result of not having enough information Continue reading

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You are reading this on an Internet webpage. It didn’t take much effort to look up this Internet site and you didn’t have to go rummaging through a library. Cyberspace is a great place to get information and find services that you need. We should advise you, however, that you may know a lot about the convenience, but you need to also know the possible faults on the web.

Some websites offer the possibility of creating your own will. Who needs a lawyer and all the expenses when you can fill in the spaces and get a legal document just by printing it? There is a problem with this, however. Continue reading

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Let’s face it, social media is a blessing and a curse. The platforms allow us to access a world of opportunity and knowledge. They also invite us to increase our debt, by making it easy to purchase items that we may not necessarily need.

The same is true for plastic. Credit and debit cards permit us to go around without having a lot of cash in our wallets. Retailers know that people who shop with plastic will buy a little bit more and they encourage the use. These bills are in addition to traditional debt such as mortgages and car loans. It comes as no surprise that financial wellness comes under threat from these conveniences. It does not take long before somebody is drowning in a sea of red ink. Continue reading

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Protect Financial Wellness with Medical Powers of Attorney

The Right Decisions Are Made by the Right Person

Achieving financial wellness is more than investing in stocks and bonds. It also means making sure there are no obstacles to financial assets, including a person’s estate. Medical powers of attorney might not seem like an essential group legal plan benefit, but it is. It prevents an emergency from becoming a disaster.

Taming the College Debt Monster

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Professional Advice Manages the Cost

 

College debt is a national problem and will continue to be for some time. Politicians need to find a way to reform the situation but until then there are thousands of Millennials dealing with millions of dollars of owed money. Forward-thinking companies recognize the danger to the financial wellness of their Millennial employees. College debt can easily overwhelm anyone.

Where the Trouble Begins

What started the problem? Are new college graduates just irresponsible? The answer is complicated. Many young people go into college debt because they cannot afford the tuitions alone and going without a college degree can harm a career. They do not always know the terms and conditions of their loans. The amount of debt is so large for many graduates they will choose to ignore the payment until it is no longer possible. That is when an emergency strikes.

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Countrywide Will Assist in Dealing with Government Agencies

The DREAMER issue resolution and the final story on DACA are in the future. Organizations must work every day with its foreign-born employees and helping them with American laws and culture. We often take for granted things that foreigners find confusing. Group legal plans don’t always provide the right kind of assistance.

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You Can Make a House a Home

Buying a House Can Be Easy

 

Cable television shows make house buying appear easy. Purchases don’t seem to have much stress or problem but that is really not true. Buying a house is the largest single expense most people will incur in their lives. While it is something that makes them feel proud, it could also pose a threat to financial wellness. Someone who is not adequately ready may discover the mortgage payments eat up the budget.
Television shows will recommend creative financing. Balloon mortgages and other means of financing are considered smart by some so-called experts. While certain budgets can handle this, others can fall apart when a balloon mortgage suddenly gets out of control. People need to have good advice when it comes to buying a house. They need to understand what is involved. It means they need education and Countrywide Pre-Paid Legal Services can help.

Make Your Move Will Help

Countrywide’s Make Your Move is an online self-education course. It guides the first homebuyer through all the ins and outs of purchasing a house. It contains the kind of information any consumer will need to protect financial wellness in the face of purchasing a home.
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Communication is a Critical Legal Service

It Makes Problems Easier to Solve

 

Some group legal plans fail at communications. The vendors feel that websites with boilerplate wills and FAQ pages are sufficient. They sense that there’s no reason for personal communication in a high-tech era. Countrywide Pre- Paid Legal Services respectfully disagrees. We believe that communications with a plan member and on behalf of a plan member are extremely important.

You can write a basic will from a web template. However, it cannot take any consideration the personal nuances of an individual’s estate. This is where a group legal plan can fail. The deeds of plan members can be unique and different.

One person may need help attribute a contract and another the language of a deed. A legal professional often must be personally involved. Countrywide Pre-Paid Legal Services supports personal contact in providing services.
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