HR Info
The Need for Financial Guidance Is Growing

As your employees deal with the need for financial counseling due to the current credit and mortgage crisis, remember that LifeCare has a wide variety of informational resources to help them make the most informed decision possible. For example, our online library contains the following LifeCare Guides:

	Looking for the Best Mortgage: Shop, Compare, Negotiate
	Building a Better Credit Report

	Helpful Resources for Locating Debt and Credit Resources
	Helpful Resources: Credit Reporting Services
	LawPack: Credit/Collection
	Personal Budgeting Worksheet

Our web site also offers dozens of helpful articles, including the following:

	Is A Fixed Rate Mortgage Your Best Bet?
	The Mortgage Loan Process
	When Should You Refinance?
	Fair Lending Is Required By Law
	Reverse Mortgages
	Mortgage Shopping Worksheet
	Home Affordability Calculator
	How Much Can I Borrow?
	A Consumer's Guide To Mortgage Lock-Ins
	A Consumer's Guide To Adjustable-Rate Mortgages (ARMs)
	What You Should Know About Home Equity Lines Of Credit
	Reverse Mortgages: Get The Facts Before Cashing In On Your Home's Equity
	Mortgage Payments Sending You Reeling? Here's What To Do

Many client employees also have access to financial counselors who provide up to three free 30-minute telephonic consultations per year to assist with budgeting, credit/debt counseling, bankruptcy, etc. Consult your account manager if you are not sure of what your employees are eligible to receive.