Insights from Organized Instincts
It’s Not Luxury Until You Can Prove It
If you’ve purchased a luxury item or received one as a gift, keeping the documents that prove its authenticity is key when it comes to resale, auction, insurance, or tax purposes. It is wise to have the physical copy of these documents safely stored. With the high...
Don’t Drive Yourself Crazy: Wheely Good Vehicle Records
If you’ve recently purchased or leased a vehicle, paid off a car loan, or registered a car, keeping the documents for these transactions safe is vital. These documents prove you are the legal owner of your car and that the vehicle is legally registered at the DMV....
Home Sweet Home: Avoiding the Home Records Blues
When it comes to owning a home, vacation homes, or rental properties, you’ll want to know exactly where your documents are located. Make sure the documents for all your properties are safely stored. Don’t merely tuck them away somewhere and forget about them. These...
Say Yes to the Cone of Shame with Pet Insurance
Is pet insurance worth it? We’ve all asked ourselves this question while our pets are in their prime health. It seems an unnecessary luxury when things are going well. But if you’ve ever experienced a medical issue with a pet, whether minor or major, it’s likely...
Two Uncomfortable Realities – Scams and Financial Exploitation
We’ve all heard horror stories of scam artists taking older adults for both small and large sums of money. Whether IRS phone scams, texts claiming cancellations, fake charitable organizations on Facebook, or callers impersonating Medicare representatives, it’s...
Opening the Door to Conversation: Talking Finances with Older Adults
It’s the open-door conversation no one really wants to have—discussing important financial decisions with the older generation. Yet plans need to be made and issues need to be brought to light with regards to important documents, having emergency contacts in place,...
Team Credit vs. Team Debit – The Great Card Debate
When it comes to using a debit card vs. a credit card, cardholders frequently pick a side. At Organized Instincts, we have settled on this: “it depends” - how you handle your spending and risk factors. Today we will explore reasons why you’d want to use one card type...
Swipe, Chip, Tap: The Evolution of Credit
With the invention of the credit card, consumers gained access to goods and services they might not have been able to afford otherwise. The idea of a line of credit is that the consumer immediately obtains the goods or services, then pays them off over time. They...
Changing Tides – A Rescue from Overwhelming Bank Fees
The tide has turned in the world of consumer banking. A fee that has long been a staple of banks everywhere is now going away like SPF 4 sunscreen: the dreaded overdraft fee. One after another, banks are dropping this junk fee—which often starts at $35 or more per...
It’s Not an All Or Nothing Decision – How To Find Your Banking Utopia
In today’s day and age, there are several options available when it comes to choosing your bank. Traditional banks seem to be on every street corner, but did you know some bank brands are exclusively online? What are some of the advantages and disadvantages of digital...