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Do You Need Insurance For Your Move? What You Need To Know

Posted by on Mar 22, 2016 in Uncategorized | Comments Off on Do You Need Insurance For Your Move? What You Need To Know

Moving comes with a lot of expenses – you don’t just have to put the money down to buy or rent your new home, you have to pay for everything from packing materials and movers to service fees for moving your utilities or turning them on with a new company. At first glance, moving insurance just seems like an extra expense that you could probably just skip to help you stay within your budget. But the fact is, there are a lot of things that can go wrong in-between packing at your old home and unpacking in your new home, and it’s better to be prepared. Take a look at a few things you need to know about moving insurance. Does Homeowner’s Insurance Cover Your Move? If you’re a homeowner, you probably already have insurance on your home, and on the contents within as well. And your homeowner’s insurance actually does provide some limited protection for your possessions while you’re moving. If your homeowner’s insurance policy covers you for fire and theft, they’ll probably pay if the moving truck catches on fire or is stolen with your household goods inside of it. The same goes for renter’s insurance, if you have that. The problem is, fire and theft aren’t likely to be the causes of any losses or damages you sustain during a move. If you drop and damage your expensive sofa, that’s probably not going to be covered. What you need is insurance that will cover damages incurred during handling. Where Can You Get Moving Insurance? One option is to purchase additional insurance from the same insurer you use for homeowner’s and renter’s insurance. You can ask for a special perils rider that will protect most of your items while they’re in transit and while they’re being handled by movers. If you have very fragile items, like antique pottery or sculptures, you might also need a fine arts rider that protects these items specifically. If they’re very valuable, it’s worth the extra money to protect them. If you don’t have homeowner’s or renter’s insurance, or you’re not happy with what your insurer is offering, you can explore the options from the moving company that you’re using. Moving companies usually offer two levels of insurance. The first is offered for free by law. It’s called Released Value Protection. It will ensure that you receive some compensation for any losses, but the amount of protection is minimal. The carrier is only liable for $0.60 per pound per article. That means that if they damage a 40 pound item, you’ll only receive about $24 regardless of the value of that item. The other option is Full Value Protection, which covers the full cost of replacing or repairing any damaged items. This is the better choice if you have a number of valuable items you need to protect, but keep in mind that if the movers will be handling anything that is considered an item of extraordinary value – usually items valued at more than $100 per pound – you have to notify the moving company about the item in writing, or it won’t be covered. Each moving company sets their own prices for this insurance, but you can generally expect to pay about $7.50 per $1,000 of value. However, your moving...

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Is Your Company Paying Your International Moving Expenses? 3 Options You Need To Know About

Posted by on Nov 20, 2015 in Uncategorized | Comments Off on Is Your Company Paying Your International Moving Expenses? 3 Options You Need To Know About

Being transferred abroad and given a lump sum of money to arrange the move sounds like a dream come true for many employees. If you’ve always dreamed of the chance to live and work internationally, this is it – and you won’t even lose any money on the moving expenses. Or will you? Negotiating moving expenses with your company can be tricky territory, and it’s important to know what you’re dealing with and how to make it work for you. Take a look at a few things that you should know about company-provided moving funds. You May Not Want a Lump Sum Often, the easiest thing for your company to do is simply cut you a check that you can use to pay your moving expenses yourself. This lump sum can seem like a great deal when you’re holding the check in your hands. But don’t get too excited. When your company hands you a check for moving expenses, you’re responsible for paying taxes on that money, just like you do on your paycheck. That means that you may not really be getting the amount of money that you think you’re getting. It’s important to be aware of your tax situation and calculate how much of that lump sum payment you’ll actually get to keep. The amount will vary based on your personal tax situation, but you need to know if there will be enough left to realistically cover your move. If a lump sum is your only option, you should at least request that the amount be “grossed up“. That means that your employer increases the amount in an attempt to help cover your tax burden, so the net amount you end up with is enough to make the move. However, there are a couple of other options you may want to try to negotiate for first. Direct Billing is an Option For you, the most beneficial arrangement is probably direct billing. This is when, instead of giving any money to you, your company simply buys your plane tickets, pays your movers and freight forwarder, and pays any other moving expenses they’ve agreed to cover straight out of their own accounts. This way, you get the benefits of your employer’s financial assistance without the tax burden of a lump sum payment. Not all employers are amenable to a direct billing arrangement, however. It’s extra work for them, and depending on their money management practices, it may not be a practical arrangement. If your employer shoots down the idea of direct billing, you do have one other option. Expense the Move Putting your moving costs on an expense report for reimbursement is probably the most complicated option, and depending on your financial situation, it may not be feasible. But if you can afford to pay your moving costs out of pocket, submit an expense report, and be reimbursed for what you spent, this may be an option for you. This way, your employer is still technically paying the costs for your move themselves, so the money is not taxable. You will have to report the reimbursement on your taxes, but since it’s a reimbursement for a business expense, rather than a payment used for personal expenses, it won’t be considered taxable income. And this allows your company to simply...

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2 Great Services Your Local Moving Company Might Offer

Posted by on Aug 25, 2015 in Uncategorized | Comments Off on 2 Great Services Your Local Moving Company Might Offer

After you book that moving company to handle your upcoming relocation, you might feel a sense of relief knowing that you won’t have to heft heavy tables and boxes into that moving truck. However, those movers might be able to do more for you than you think. Here are two great services your local moving company might offer, and why it might be worth it to upgrade your service: 1: Furniture Disassembly Sure, you might figure that you will have time on your moving day to take apart that giant hutch, but what if you run out of time? If there isn’t room in the truck, you might find yourself asking your neighbors if they want an extra china cabinet. Fortunately, some moving companies offer furniture disassembly, so that you can take your carefully collected belongings along for the ride. Here are a few reasons professional furniture disassembly might be a good idea: Knowledge of Furniture Construction: Are you sure that you know how to take apart that complicated piece of furniture? If you guess wrong or lose those screws, it might be impossible to reassemble that item when you arrive at your new home. However, professionals who disassemble furniture everyday understand furniture construction, so that the process is fast, safe, and correct. More Efficient Truck Packing: When you leave the furniture disassembly to the professionals, they might be able to pack the truck more efficiently. For example, your movers might decide to take apart all of your tables at the same time, so that they can stash those tabletops together in the back.    Proper Equipment: If you don’t have the right Allen wrench handy, you might be tempted to try to take apart that crib with a set of pliers or a flat head screwdriver. Unfortunately, using the wrong tools might damage screws, which could make it impossible to reassemble later. However, professional movers will have access to common furniture assembly tools, so that they don’t inflict damage.  To get an accurate bid for your furniture disassembly job, make sure that you compile a complete list of your home’s inventory. For example, count the number of beds, dressers, and tables that movers should expect to take apart. When movers have an accurate idea of the workload, they might be able to give you a more realistic moving timetable. 2: Electronics Transport And Set-Up Nothing is more frustrating than trying to sort out cables and reconfigure remote controls after you move. Fortunately, some professional moving companies also offer electronics delivery and set up, so that you don’t have to stress about missing your favorite shows. Here are a few great reasons to let the professionals pack, transport, and set up your electronics: Safer Moving Boxes: Those free produce boxes might work for those sofa pillows, but they might not be right for your flat screen television or DVR. Static electricity can build as people trek across carpets or slide boxes into the back of moving trucks, and then discharge inside your device—damaging delicate circuitry. However, professional movers will use boxes specifically designed to protect your electronics. These boxes typically have anti-static bags or liners design from keep static from building, so that your favorite electronics stay safe.   Less Collateral Damage: If you plan to store your belongings...

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4 Things You Can Do To Make Moving With Your Dog Less Stressful For Everyone Involved

Posted by on Aug 18, 2015 in Uncategorized | Comments Off on 4 Things You Can Do To Make Moving With Your Dog Less Stressful For Everyone Involved

Excessive barking, bathroom accidents inside the house, and even irritability toward human family members can arise due to the stress your dog feels during your big move. And these unbecoming behaviors can quickly add to the stress your family will undoubtedly face throughout the process of your move. So minimizing your dog’s stress helps to create a more balanced atmosphere for everyone involved to enjoy overall. Here are four stress reducing techniques to consider implementing for your pooch’s well-being: Buy a Collapsible Kennel The best way to make sure that you are prepared for just about anything that happens before, during, and after your move is to invest in a metal collapsible kennel for your dog. These kennels can be folded up for storage under a couch or bed, and then quickly put together for use when the need arises. The kennel can come in useful when neighbors come over unexpectedly for a farewell conversation, or when the cable company comes over to pick up their equipment. Put a favorite blanket and toy in the kennel to make the space feel safe and comfy while your dog is spending time in it. Walk around the New Block Acclimate your dog to the new surroundings it will be living in by going for a walk around the block of your new home a couple of times before the move, as well as visiting the local dog park to meet new friends in the area. If it’s possible, get to know any neighbors that also have dogs so the pooches can become familiar with one another before becoming official neighbors, and so your dog can get used to the new people who will be in its life on a regular basis. Color-Code the Dog Stuff You’ll want to have all of your dog’s belongings close at hand throughout the process of your move so that you can tend to its needs quickly and stress-free, even when things are hectic at home. Keep the leash, dog dishes, and toys in color-coded boxes that stand out from the others in your home so you know exactly where to look when you need something that has been packed. Color-coded boxes will help you find bedding, brushes, and food quickly once you get to your new home, so the dog can get taken care of and tucked away their kennel while you get things organized for the rest of the family’s comfortable acclimation to the new home. Designate a Safe Room When you start packing things up in your home and furniture starts to get moved around, the changes may confuse your dog and stress it out because they can’t understand why their surroundings are so suddenly different. To minimize confusion and stress, choose a small room in your home that doesn’t need a lot of packing (like a bathroom or large closet) to use as a safe space for your pooch. Put a bed and other familiar things in the space and let your dog hang out there while you move things around in the rest of the house, or when doors to the outside world need to stay opened for any length of time to move things. This will minimize the chance of your dog running away out of fear and give them...

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5 Tips For Moving And Loading A Washing Machine

Posted by on Aug 12, 2015 in Uncategorized | Comments Off on 5 Tips For Moving And Loading A Washing Machine

The average American is expected to relocate and move once every 5 years. Relocating is quite expensive. Not only do you need to pay hefty moving costs, but chances are you’ll have to throw out a lot of appliances, tools and other types of stuff only to buy them again once you have settled in to your new home. With the average washing machine costing anywhere between $250 to $2,050, it might be wise to pack, load and bring your washing machine along for the ride. If bring your washing machine along for the move is more economical and practical, here are 5 tips to consider. Run One More Load Before the Move Before you pack up your washing machine, run the empty machine through one more load in order to clean the drum and drain lines. You’ll want the set the settings to a normal wash cycle on hot. Don’t use regular detergent because the detergent may leave unwanted reside within the mechanical structure of the washing machine. Instead, use bleach or white vinegar. Once you have run the washing machine through one more load, you’ll want to make sure the machine is dried properly and thoroughly. Most professionals recommend letting the washing machine sit and air dry for at least a day with the lid open. Disconnect and Shut Off All Power and Water Supplies Once the washing machine has been cleaned, you’ll need to disconnect and shut off all power and water supplies before unplugging the machine. When disconnecting the hoses that supply water to the machine, place some towels on the floor, and have a bucket handy just in case there is still some water present. You want to disconnect one hose at a time, and to keep the hose upright to prevent any water still present from spilling over. Install Washer Locks Before loading the washing machine onto the moving truck, you want to install washer locks. The washer locks are responsible for keeping all of the parts, like the drums, in place. The washer locks will distribute pressure of the nut or bolt evenly over the entire machine, reduce the chances of the parts sustaining any damages during the move, and make it less likely for any bolts and fasteners to loosen. You’ll have to consult with the instruction manual to determine how to properly install the washer locks. Eliminate Tripping Hazards and Keep Everything in Place The last thing you want is for the washing machine to be falling all over the place. To eliminate tripping hazards, tape all of the cords directly to the back of the machine. In addition, tape the lid shut to prevent it from opening and becoming a hazard or a nuisance. You want to keep everything in one place, and you can do this by wrapping the washing machine with bubble wrap or some type of moving blanket. This will also save the washing machine from getting scratched while it is being moved. Use a Dolly to Lessen the Weight Load Mid-sized, top-loading washing machines weigh an average of 150 pounds while mid-sized, front-loading washing machines weigh an average of 200 to 250 pounds. In short, moving a washing machine is no easy feat. It’ll be difficult for you to get the job done by yourself,...

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Moving Items To Your Self-Storage Unit Easily: 3 Tips On How To Use A Moving Dolly Safely

Posted by on Jul 22, 2015 in Uncategorized | Comments Off on Moving Items To Your Self-Storage Unit Easily: 3 Tips On How To Use A Moving Dolly Safely

When relocating heavy furniture and appliances to your self-storage unit, the strain of lifting the weight can result in muscular injuries. It’s easy to overestimate your abilities. Using a moving dolly can help alleviate some of that weight and make the moving process a lot simpler and easier. A standard moving dolly can carry up to 500 lbs, and a furniture dolly can carry up to 1,000 lbs. When using a moving dolly, you still need to be cautious. Here are 3 tips you should implement for safety reasons. Always Enlist for Assistance The average weight of a dishwasher is approximately 150 lbs, and the average weight of a sofa bed is approximately 350 lbs. Don’t overestimate your abilities and attempt to move heavy appliances and furniture by yourself, because there’s a good chance you’ll end up injuring yourself instead. Always enlist assistance when you’re going to be using a moving dolly because one wrong move and the furniture or appliance you’re moving could slip and end up toppling over onto you. If you feel your back becoming strained when lifting heavy furniture and appliances, stop immediately and recruit additional help. Slow Down When Encountering Bumps When making a turn or when going over a doorway ledge or a sidewalk crack, make sure you do it as slowly as possible. The momentum of going over a bump quickly could send the item you’re moving flying, which can result in damages or injuries. When going over a bump, roll the dolly slowly and make sure you keep both hands on the item to stabilize it. Since your hands will be busy, push the dolly over the bump with your foot. If there are large bumps, some movers recommend using a ramp or other moving equipment that will make going over the bump a lot easier and smoother. You want to be as gentle as possible and avoid pushing the dolly abruptly or roughly, because this may cause the item being moved to fall over. Keep the Floor Clean and Clear of Debris and Dust There is nothing more dangerous than moving heavy furniture and appliances on unclean and cluttered floors. Clear all aisles and clean the floors beforehand, making sure they’re fully dry before you attempt anything. It’s really easy to slip on wet floor, and it’s hard to control the moving dolly at the same time. Before you attempt the move, you should go over the route you plan on taking with the dolly to see if there are any problems you may encounter during the move. Take a good look at the floors to determine if they are even. Nail down any improperly aligned planks that are sticking up. If there are cracks on the floor, you should consider placing a rug overtop the area to reduce the effects of uneven flooring. On the same note, make sure you keep young children and pets occupied all the time, so they are out of harm’s way and so they don’t end up becoming a safety hazard. It’s best to keep them in another room with snacks or treats and familiar items and toys to reduce stress. Conclusion Using a moving dolly to move some of the heavier items to your self-storage unit can make your life a lot easier and...

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