Articles Posted in financial wellness

There are Many Options for Financing a House 



Americans still think of owning a house as a big part of the American dream. They want to be able to have the same type of shelter their parents enjoyed, but many people think that owning a home is not realistic. The price of housing is high, and folks have other debts. These all make an individual hesitate before trying to buy a house. Countrywide Pre-Paid Legal Services firmly believes that the American dream is still there for people to enjoy. Our financial wellness program is intended to assist people in making the decision to buy a house.

Knowing All the Options

The conventional mortgage is what most people think about when it comes to home purchases. Yes, the standard 30 – year mortgage is still available, but there are some other options. Those other possibilities are not common knowledge, and learning about them is going to help in the final decision. Countrywide has a nationwide network of certified housing counselors who deal with financial wellness. These professionals are part of a homebuyer education course, “Make Your Move”, that can provide the very best information about financing a house acquisition. Continue reading

Countrywide Will Make Them Go Away


Hospitals and credit card companies want their money. Neither have a reputation for lots of patients and what they consider to be overdue bills will cause problems for an individual. Bill collection agencies are often used to extract payments from delinquent debtors. The process gets frightening. These companies do not hesitate to threaten people with serious consequences. Loss of credit ratings, repossession, and the hint of court proceedings are all intended to get a person to pay what is owed. The treatment causes lots of anxiety because a person is worried about financial wellness being undermined. Help is needed and should come from seasoned veterans. Countrywide Pre-Paid Legal Services has the answer.

We are aware of the scare tactics the bill collection agencies employ. We have a nationwide network of certified counselors who are experts at restoring and preserving financial wellness. Anyone who is in danger of being harassed will find the advice given by one of our counselors to be a godsend. Simple things, such as not paying the hospital bill until the health insurance company has paid their portion, are not always known by a layperson. Our counselors can explain various ways of keeping the bill collection agency from the doorstep. Continue reading

Good Advice Makes All the Differencespider-pocket-189x300

We all face challenges with money no matter how old we are. Millennials have difficulty setting up budgets, but older employees fret about retirement. It ‘d be great to be able to take charge of finances and have a better cash flow going in and coming out. It sometimes takes seasoned advice to develop reliable financial wellness.

Finances can make a person feel he or she is juggling far too many balls in the air. People are accustomed to a mortgage payment on a car loan, but others have to deal with student loan payments, harsh credit card problems, and any other number of bills needing cash. It is easy to have the trees block and hide the forest. People don’t always know how to handle a budget properly. They’re not stupid; things are just too complicated. Countrywide Pre-Paid Legal Services sympathizes with this kind of confusion. We have a financial wellness program that is intended to help people take better control of their financial situation. Continue reading

Some Extra Schooling Helps a Personal Budgetstockfresh_867429_girl-at-spring-field-in-fog-time_sizeS-300x200

We all need to stop criticizing Millennials. They are not lazy or irresponsible, and they do not think the world owes them a living. This group happens to be more technically aware than earlier generations, and they have a lot to contribute. The challenge they face when it comes to financial wellness is inexperience. They are new to the workforce, and they have not dealt with budgets or major bills in the past. Some financial education will go a long way to helping them out.

It is more than just a seminar once a year. Millennials need a little more help with their financial wellness, depending on the individual situation. Dealing with collection agencies or reestablishing credit are major issues, but sometimes things as elementary as grocery shopping tips will help relieve a lot of stress. Countrywide Pre-Paid Legal Services recognizes a need for these young people to get some good advice and sensible suggestions. We have a financial wellness program to help Millennials adjust to the working world. Continue reading

College Loans Can Be Trickyjar-edu-300x200

There are numerous programs intended to help college students deal with rising tuition. Stafford loans, Perkins loans, the PLUS program, and conventional loans from a bank are there to help service the debt. The trouble is that each program has its special requirements. A missed payment has a penalty, while another program can allow for some leniency. It gets confusing, and a graduate may unexpectedly step into a debt trap. The best way to protect financial wellness is to have excellent advice. Unfortunately, many vendors claim to be experts and really are not. Countrywide Pre-Paid Legal Services wants to help with this dilemma. Our assistance comes from seasoned professionals.

Guiding a Plan Member

The Countrywide financial wellness program takes advantage of the experience and expertise of certified counselors. These are people who make a living out of helping others with their debt problems. College loan debt is something that is very common in modern society. Our veterans deal with it all the time. Continue reading

Debt Doesn’t have to Overwhelm You


It appears we live in a plastic financial world. Banks and major retail companies promote credit cards; one because the interest rates which can be charged and the other for the quick, impulsive, purchases. It is all convenient, but plastic can generate a false sense of financial security. In fact, those little cards can damage financial wellness.

Missing a Payment Begins the Slide

Young people, those who recently graduated from college and entered the workforce, appear to be most vulnerable. They get offers in the mail for credit cards all the time. The temptation is almost too great, and they accept the offers and get the credit cards. It is then when trouble begins. It is not only the use of credit cards but also the number of credit card accounts established. These can have separate deadline dates, and they are quickly forgotten. Continue reading

Less Stress Means Fewer Health Insurance Claims


Human resources directors worry about claims experience. The number of times employees make use of their healthcare adds to the overall cost. It can result in higher premiums charged the following year. Cardiovascular difficulties brought on by serious stress encourages claims filings. Organizations have wellness programs intended to safeguard the health of employees. A benefit which management needs to consider is financial wellness.

The reason is medically sensible: encouraging financial security is directly related to stress and anxiety. People worry a great deal about college loans, credit card debt, or how to finance the purchase of a house. The stress generated will increase blood pressure. A financial wellness plan cannot completely erase the chance of a stroke, but the support a person receives will allow this individual to have a better focus on economic challenges. That ends a lot of anxious feelings. Countrywide Pre- Paid Legal Services offers a plan which will help people take better control of their money situation. Continue reading

They Can Be Easily Handled


Congress is still debating over healthcare, and we will not know for months what the final results will be. The debates do not stop medical bills from accumulating. These expenses can be significant. No matter what insurance a person may currently have, some deductibles must be met. There are also situations where certain types of coverage are not available in the insurance policy.

The Expense Can Stagger Anybody

The cost coming out of the person’s pocket can be in the thousands of dollars for a given surgical procedure. The same goes for any physical therapy. The mounting debt can threaten a person’s financial wellness. Assistance is needed to help make sense of the bills, and find ways to make payments without going bankrupt. Continue reading

Folks can Take Charge of Their Financesroad-to-recovery-300x300

The school of absurd tuition is now replacing the college of hard knocks. People are finding out just how difficult it is to maintain financial wellness in these times. Credit card debt is out of control for some people, but other folks have more fundamental concerns. These people want to know things like how to purchase a house, how to budget properly and reasonably, and for some advice on how to manage their college debt. Some vendors will provide websites that have little more than question and answer boxes. Most people don’t like that. They want to be able to talk to a real person. Additionally, they want the kind of advice they can use right away. Countrywide Pre- Paid Legal Services will give them that good advice.

Our Counselors are Knowledgeable Experts

Even better, information will come from a real person and not a recording. We have a financial wellness program to help people better understand budgets and finances. Our nationwide network of certified counselors have made a career out of helping people understand the figures. The counseling we provide is the type that offers knowledge that anyone can use every day. Continue reading

They Do Not Have to Overwhelmingcredit-cards-300x200

Retail companies promote their credit cards to a very receptive audience. Consumers enjoy using plastic because it’s convenient and because it is safe. There’s no need to carry large sums of cash when shopping. There’s nothing wrong with this until a person accepts too many cards. It results in many bills coming in at different times of the month. It is easy to forget a payment and that is when trouble begins. The credit card companies attach a fee to any late payment, and these can add up. Not paying the bills on time can also result in credit scores dropping like a stone. Financial wellness can become a problem area unless a person can resolve the credit card payments.

Certified Counselors are Ready to Assist

Accumulating credit debt means higher and higher minimum payments. It can quickly eat up anybody’s house budget. Countrywide Pre-Paid Legal Services appreciates the anxiety a person goes to if this happens. We have a program that can help. We have a financial wellness program with certified counselors located nationwide. Any these professionals are close at hand for a plan member contact. The counselor will first look at an individual’s existing income expenses. This information is used to help develop a budget for the person. It is just the first step in bringing sanity back to credit cards. Continue reading