Nobody really likes to thing about the death of a loved one, and the topic is uncomfortable. However, the reality is that funerals are very expensive in the US, and when people do not plan for the inevitable, a sad time can be even more stressful. While US funerals average about $8,000, many familes do not have the cash around to pay for one.
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Most of us know that we have something called a credit report on file somewhere. We also know that credit report affects our ability to obtain financing, and it also affects the interest rate we pay if we can get credit. This impacts our home mortgage, car loans, and other credit. However, even though we have some vague idea that we have a credit score and credit report, we really do not not understand it.
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A good friend of mine had been a very productive team member at his job for years. In fact, his team even got recognized for a couple of patents, and he was certain that his company valued the contribution he made. A few short months after he brought home his certificate and bonus money, the company decided to outsource his group. He arrived at work on Friday and was told he would not need to report in on Monday. Needless to say, he was unprepared for the job loss, financially or emotionally, and it was a devestating event in his life.
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We haven’t been getting very good news about employment in the US lately. And of course, all economic news, with the bailout of the mortgage giants, is pretty grim. In fact, home foreclosures hit a record in the 3rd quarter of this year. And if you think that the bailout will help the situation, you might want to read this article: who does the mortgage giant bailout help?
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One of the big stresses during a period of unemployment is the loss of benefits. Of course, the loss of health insurance is major, but you may have a COBRA health plan extension available.
A more immediate program may be dental care, and sometimes it can be tough to find an affordable dental plan for the unemployed.
However, large dental discount plans cost a few dollars a month and many offer very cheap, or even free, routine dental care like checkups and cleanings. Other services, which cannot be deferred until a job is found, are also offered in the network at greatly reduced prices.
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