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Financial woes cause considerable anxiety. The debt from college loans or a medical emergency generates feelings close to panic. It doesn’t have to be that way. Financial wellness can be achieved and maintained by following a few general rules of proactive conduct.

  1. Never Take Counsel of Your Fears

The college graduate can be stunned by the loan repayments necessary to retire college debt. Many have debts as large as a house mortgage. The common worry is being forced to spend most of life paying a bill that could be more than the monthly rent. The same is true for medical bills or sizable credit card balance.

Excessive concern causes panic and forces a person to make poor decisions. These include forbearance, completely ignoring the bills, or overpaying a monthly bill when it is not necessary. Thinking calmly and making sound decisions are the best ways to meet a financial wellness problem. Continue reading

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Pre-paid legal services include creating documents. There are many forms of legal paper an individual might use and some that are essential. In fact there can be serious consequences for not having the latter. Effective group legal plans offer a variety of document drafting service.

Protecting Your Survivors

Everyone should have at least a simple will. This protects survivors of loved ones if an untimely death occurs. An estate without a will is considered intestate and the beneficiaries are at the mercy of the probate court. It could take years before the estate is finally distributed to the heirs.

Accidents or a medical crisis may leave a person comatose and living only because of life support systems. Families have the heartache of watching a victim lie in a vegetative state, with no chance of final closure. Decisions about a victim’s care could be delayed if there is no living will or medical powers of attorney. Continue reading

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School days are not over for some employees. A few may still be finishing up a Baccalaureate degree and others are just beginning a Master’s program. An organization’s educational system program may not cover all the expenses. An employee may have to pay the lion’s share of tuition and it can threaten financial wellness.

Making Tough Decisions

A person could have a well-paying job and still face college debt problems. Costs are rising and the required classes might be a strain on the budget. There are many college loan programs, but each has its own requirements. The employee might not know which loans are best suited for his or her financial situation. An employer might not be able to enlarge an existing educational assistance plan. However, a benefit that includes college loan counseling can be just as good.

Countrywide Offers Financial Wellness

Our program helps employees deal with common financial situations including college debt. We have a nationwide network of certified counselors who will provide the service. Continue reading

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People want to have control over their financial wellness. Every ownership creates a sense of optimism and well-being that positively affects behavior. It is sad, but there are many who are so confused about their finances that they feel trapped in a downward spiral.

These individuals make a decent income. Their challenge is not having a budget to monitor cash flow. Medical emergencies can become crises and credit card debt may run out of control. Millennials have the added burden of excessive college debt. Some form of support would be deeply appreciated. Countrywide Pre-Paid Legal Services knows how the right assistance can resolve problems. We have a Financial Wellness Plan that organizations can offer to employees. Our benefit has very important tools to improve financial health.

Data Collection and Organization

Countrywide has a nationwide network of certified counselors. These professionals are the front-line Countrywide service providers. They will work directly with plan members. Continue reading

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Legal documents can be a mystery. The text is very precise, and the words are not commonly used. Agreements and obligations are hidden in plain sight and the average consumer is unaware of that. The confusion or uncertainty may compel an individual to stay away from what could be a beneficial agreement. Group legal plans ought to have pre-paid legal services to help folks better understand legal documents.

What to Look for in Legal Papers

Every legal document has its own features which may be slightly different from another. It helps to have an expert review the paperwork. Contracts have agreement clauses that can include what each party must do and the consequences for noncompliance. This is especially true with rental leases which are a form of contract. Warranties might only cover specific services or the use of only certain parts. Individuals may receive letters that serve formal notice of various actions. The intent might not be clear to the average person.

Countrywide Pre-Paid Legal Services wants to assist people in understanding legal documents. We believe this should be more than just an information page on the website. Our group legal plan benefit provides the services of a national network of attorneys. These people can review legal documents for a plan member. Continue reading

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People still want to own a house. This is a part of the American Dream and is a symbol of success. Many are nervous about buying a home and no one can blame them. The cost may be a financial wellness challenge.

The Significant Cost

A house is one of the largest, if not the largest, expense an average person will have. The down payment required for a home mortgage can be 5% to 10% and the sum may be in the five figures. The house mortgage will need a financial commitment of up to 30 years and is a monthly expense.

Real estate operates in an environment all its own. There are activities most people do not understand and the means to control costs are confusing. Few people want to risk their financial wellness and therefore delay buying a property. That can be a mistake in some markets where prices are going up. Countrywide Pre-Paid Legal Services appreciates the problem home-buyers face. We have a Financial Wellness benefit that can help. Continue reading

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Employees are concerned about Artificial Intelligence (AI). They understand automation will be a part of the future workplace, but they worry about how it will affect their jobs. Anything that uses AI might add to the employment anxiety and group legal plans must be careful not to overuse automation.

AI makes things efficient at the cost of human interactions. A group legal plan should remember that pre-paid legal services are personal. Each plan member has a unique situation requiring attention. That same person might not understand the language of a legal document or what a public agency needs. Countrywide Pre-Paid Legal Services knows the importance of the human touch. We encourage interaction.

Conferences Are Necessary

Countrywide has a nationwide network of attorneys who provide the services. They are not distant voices but local people who practice law in a client organizations’ community. Countrywide group legal plan members have a priority status and arranging a meeting is easy. Continue reading

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Legal documents are frustrating. There appears to be a need to report almost everything in a person’s life. Information is needed for many things in the document process to help people get what they need. However, it all seems to be a mountain of mysterious pages. Group legal plans must be able to help people with all the documents.

Those Documents Can Protect a Family

Drafting simple wills is a pre-paid legal services option the average group legal plan provides. The same is true for living wills. Family beneficiaries can easily get their portion of an estate if a simple will has been filed. A living will takes the burden of decision-making off the shoulders of a loved one and the same is true about medical powers of attorney. These legal documents allow a group legal plan member to prevent their death from becoming emotional theater.

Understanding the Words Help

Consumers will purchase warranties on appliances, automobile parts, and computer equipment. These contracts will make repair work less expensive. The language can be confusing, and an individual might need someone to interpret the sentences. Continue reading

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Too many college graduates are facing the real world with a major burden pressing them down. The cost of college has soared over the years, forcing many young people to take out sizable loans to pay for the education. There comes a reckoning after graduation. The young person is confronted with a mortgage-sized obligation.

That will affect financial wellness. The monthly payment can be hundreds of dollars; money some people do not have. Not quite knowing what to do, a recent graduate will make some poor decisions such as forbearance or filing for bankruptcy. These choices are brought on by panic and can be avoided. There is a way to manage the college loan debt, but it takes knowing what precisely to do. Countrywide Pre-Paid Legal Services offers professional assistance in handling the loan monster.

Financial Wellness Does Not Have to Be in Danger

There certainly are options available to anyone facing college loan payments. There are payment plans that are income based and allow the debtor to reasonably afford repaying the loan. It is possible to get a reduction in interest rates through an auto-debit plan. There is even the ability to get loan forgiveness depending on the circumstances. Continue reading

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Group legal plans proactively market their pre-paid legal services. Consumer protection advice and help with government agencies are services consumers want. The same is true for identity theft protection and credit monitoring. It is essential for any vendor to remember that the quality of service is as important as the benefit itself.

Good Service Is Personal

Vendors will use automation to cut costs. The price quoted to a prospective client is low, but you get what you pay for. Waiting 30 minutes or more for a call center associate is poor service. Q and A pages do not always resolve problems.

Legal issues are sources of high anxiety. Warranty problems are not easy to understand, and legal documents are confusing. A group legal plan member expects more for the premium dollars paid. That individual wants the plan to go one step further to find solutions to unexpected issues or legal emergencies. Continue reading