Insights from Organized Instincts
Freeze Your Credit – A Brain Freeze Worth Having
Recently, we warned you about the massive data breach that affected millions of members of Medicare. If you or a loved one has been affected by this breach, we advise you to accept the offer of free credit monitoring for two years through Experian offered in the...
What Lies Within – A Monumental Data Breach
Have you heard about the massive data breach of Medicare and Medicaid participants' information? If not, you’ll want to keep reading, learn about the potential impacts on you or your loved ones, and plan your next steps. Whether you or a loved one are on Medicare, the...
Stay Afloat – Key Records Are Your Life Vest
When it comes to keeping accurate records, not many people think about keeping them for recreational vehicles. If it doesn’t drive on the road or cruise on the water, it’s easily overlooked as a “toy” rather than a machine that benefits from keeping maintenance...
Nightmare on Main St: Beware of Address Changes
Are you moving, or do you have plans to move? We suggest a three-tiered strategy that will help you update your address quickly and efficiently at a multitude of locations. This approach is convenient if you’ve resided at one spot for years, are unfamiliar with...
Trek a Trusted Trail – 4 Ways to Point a Path
As we age, the odds are stacked against us when it comes to our mental competence. One in every five seniors over the age of 75 has experienced some kind of cognitive impairment. For anyone over the age of 80, that risk jumps to one in two people. While many seniors...
3 Tips for Avoiding the Squeeze of Medical Debt
In the past, unpaid medical debts put a red mark on your credit score with long-term effects on your access credit. Small or large medical debts were logged, and if eventually paid, the blemish would remain on your report. Thankfully, advances have been made to...
The Judges Don’t Always Agree – Why You Have Two Credit Scores
Flip on an episode of the Great British Baking Show, and you’ll see firsthand how judges impact the outcome. These experts see the exact same performance but rate the outcomes in different ways influenced by the weight they place on the components. The same variation...
The Highs and Lows of Credit Scores
If you have a credit card, a car loan, or a mortgage, you have a credit score. This score, either high or low or somewhere in between, informs lenders of how well you manage current and past credit opportunities. Do you pay card account balances off routinely? Are you...
Max Your Rewards – Up Your Credit Card Game
Credit cards can be a blessing or a curse when it comes to credit scores and debt. According to an article on debt.org, credit cards were first introduced in the late 1950s by Bank of America and are now held by more than 191 million Americans. In fact, the average...
Breaking a Mental Health Stigma – Write a PAD
You’ve heard of an advance directive, which puts into writing your wishes should you become incapacitated or unable to communicate your healthcare treatments of choice, but have you heard of a psychiatric advance directive (PAD)? A PAD is similar and is meant for...