stockfresh_5802529_generation-z-y-x-boomers-millennials-3d-word-gears-demographics_sizeS-300x300Young employees are facing a severe test that they may have never dealt with before. The stimulus checks helped bridge any financial gaps, and the eviction moratoriums enabled them to stay in apartments rent-free. Well, the party is over. The Supreme Court decision on evictions helps landlords but does little for anyone whose rent is in arrears. The new normal we hear so much about might now include serious adjustments to personal finances. The Z Generation may have some real challenges.

When Remote Work Isn’t Fun

The thought of working from home sounds great. Individuals can get the job done with no office distractions and set a daily schedule to fit personal needs. However, there is a price to be paid for this. Remote work isolates an employee from the rest of the work team. The informal communications network that is part of working life is diminished. The solutions a Z Generation employee needs are not readily available, and when it comes to money woes, this person might panic and make poor decisions. Continue reading

stockfresh_4514580_referrals-3d-words-connected-arrows-new-customers-word-of-mouth_sizeS-300x300Countrywide Pre-Paid Legal Services goes the distance to guarantee that plan members receive the very best services available. We are proud of the fact that we respond quickly and effectively to any problem that a clients employee might have. We must admit, however, that there are limitations to what we can do.

Our nationwide network of attorneys deal with common problems that group legal plan members face. Our legal professionals, located in every community where there is a Countrywide client organization, do their best but there are some parts of the law that can be unfamiliar ground. Continue reading

stockfresh_3576539_stressed-female-graduate-holding-stacks-of-hundred-dollar-bills_sizeS-200x300College debt is not something anyone wants to deal with, but those who have outstanding balances must face those figures. College is now a life experience that carries a cost that may take years to pay. The figures are as large as a mortgage.

Young employees and even those with five or more years of seniority are trying to deal with a situation affecting their life decisions (e.g., buying a house, starting a family, etc.). The good news is that there are ways to handle the financial situation. A plan of what to do, however, is essential. But there is the rub; many do not know what to do and how to create a realistic system for paying college debt. Therefore, they need some good advice and need it right away. Fortunately, Countrywide Pre-Paid Legal Services is here to offer assistance that resolves a rough situation. Continue reading

sad-dollar-300x129It’s easy to be cynical about the government if all you hear are the screw-ups that happen. Yet, despite what skeptical folks may say, the government on all levels provides needed services on a routine basis to millions of people. These include medical support, education benefits, help with housing, transportation, and even food delivery. Public agencies exist to serve you, and not everyone realizes that.

Where Do You Think You Are Going? Continue reading

stockfresh_3279849_costs-benefits_sizeS_e3a3fc-300x200Group legal plans promote their pre-paid legal services as much as possible. The types of assistance, such as writing simple wills or helping with warranties, are given considerable attention as the plan administrators seek to impress prospective clients. As a result, there is a lot of talk, but that may be a severe problem.

Effective communication is essential in any employee benefit plan. However, there is more than talking and simply hearing causes problems and rarely provides solutions. There are some common communication mistakes to avoid. Continue reading

stockfresh_1701311_stethoscope-and-dollar_sizeS_f73430-300x200It is easy to be afraid in a pandemic. Health becomes a priority, and people try to be as careful as possible. It is a brilliant idea to get vaccinated, but there is more to dealing with health issues than a shot in the arm. People will be confronted with other problems besides COVID-19, and the cost of health care will be a significant worry.

Hospital Bills are Rarely Small

If you don’t think so, take a close look at the EOB (Explanation of Benefits) that your health insurance company issues. Even minor medications come at a sizable cost. It’s only natural to panic when you first see a medical bill. Minor surgery is expensive and the same is true for physical therapy sessions. The final figures can be a shock.

lastwilltestament-300x200COVID-19 has been compared to the Black Death of the Middle Ages. Stories of healthy people suddenly becoming ill and the fear of getting sick while doing everyday activities seem to have a parallel with tales of long ago. Fortunately, what is happening now is nowhere near as drastic, but people are beginning to show risky behaviors that are alarming.

I Will Take My Chances Continue reading

stockfresh_2912650_what-do-i-do-now-thinking-person-thinker-question_sizeS-297x300We have all been through some very tough times. There was a point when people felt the world was ending and there was no hope for any future. Granted, COVID-19 is still here, but we also have the vaccines to combat the disease. So, things are getting better, but there is some work to be done.

Personal finances took a hit during the pandemic. Everyone was able to get by thanks to the stimulus checks and moratoriums on college debt and rent payments, but those holidays are rapidly fading. The near-normal means a return to old bills and obligations. Some bad habits need to be eliminated in the coming months, or there will be some terrible consequences. Money gurus are suggesting that the following actions take priority. Continue reading

stockfresh_225020_eraser-and-word-debt_sizeS-300x200The recovery from the COVID-19 pandemic has been a rocky road for some employees. They may have been having financial problems before the crisis and got a reprieve with the stimulus checks. Not having to pay apartment rent or school loans might also have helped. However, any holiday from financial responsibilities is going away. Those with money problems discover those debts didn’t go away, and their financial resources are strained to the breaking point. Bankruptcy and foreclosure could be real threats.

A Widespread Problem

Those facing bankruptcy are not alone at all. The government assistance only delayed the inevitable for some. A false sense of security caused these people to delay filing, and the pause permitted them to acquire even more debt. They now are in deep trouble. Continue reading

stockfresh_1627257_estate-planning-word-cloud-concept_sizeS-300x300Family members should not be enemies or rivals. Blood is thicker than water, and people connected by family ties should not compete. That makes sense, but sometimes kin are not always friendly. This is the case with the estate of a deceased loved one.

Estates can bring out the worst in people. Greed can run riot as cousins and nieces bicker over pieces of furniture or plots of property none of them may have ever seen. The tragedy is the tale of hurt feelings, and things said that will not be forgiven. A simple will that expressly spells out who will get what prevents a lot of grief. Group legal plans will offer drafting of simple wills as a benefit option. Countrywide Pre-Paid Legal Services will create simple wills with a little bit extra. Continue reading