Having a baby is one of the most exciting times in a couple’s life. There is much preparation that must be taken into consideration. From the nursery to the doctor’s appointments and all of the hustle and bustle, preparing for a little one can be quite overwhelming. One of the best times during this time is when a lady is coming to the end of her pregnancy; she gets to go on maternity leave. Maternity leave is a period of time that usually occurs weeks to months before and after the babies’ arrival. Typically, a woman may take up to 6 weeks. However, if the lady has time saved from vacation and person days, she may be able to take longer.
Many people struggle with high levels of debt, but there comes a point for some when the debt level becomes unmanageable. Those who have found themselves in this position recently may have determined that they are unable to make the minimum monthly payment on their credit cards, and they may want to know what options they have to overcome the challenge they face. Debt settlement is one option to consider, and it is a method where the creditor agrees to write off a portion of the debt that is owed. With a closer look at what settlement is and how to negotiate for it, individuals can determine if this is the right solution for them.
If, for any reason, a consumer makes a purchase with a personal check that he or she regrets, and would like to return the item, or if a personal check is lost or stolen, they can stop payment on the check. When payment is stopped, the consumer can write another check without worrying that the lost or stolen check will be cashed if it is found.
Student loans are the major financial burden graduates face when they leave college. Most private and federal student loans give a six month grace period after graduation before the first loan payments are due. During this grace period, scammers try to take advantage of unsuspecting students. Here are some tips that will help protect a recent graduate from being victimized by a scam.
If a credit card is lost or stolen, it should be immediately reported to the credit card company or bank that issued the card. This is essential so that the customer is not held liable for unauthorized charges on his or her card or if the card us used for identity theft. It can be done by phone, and the card that is lost, stolen or damaged can be cancelled. Most banks or companies have a 24-hour support number that can be called in just such a situation. The customer may be counting on air miles or other perks that they accumulate on their cards, so receiving a replacement card as soon as possible is essential.
Many financial experts agree that retirement planning and savings should begin as early in life as possible, and this is so that the individual can take advantage of compound interest, the time power of money and more. However, it is easy to put off retirement savings for another when retirement seems like it is in the distant future. This is even more true when there is a current need for the cash, such as to pay off debts, to pay the mortgage or to pay for the kids' college. While it may be easy and even common to put off retirement planning and saving for another day, many will have the unfortunate realization that they waited too long to start saving. For those who are getting a late start with retirement planning and savings, there are a few key steps to take to jump start these efforts.