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Nadaya O
I am moving to Georgia next year with my children, and it is my first time moving to a different state. I do not know what part I'd like to move to yet. The factors for where I move will mostly or should I say extremely revolve around my children. An excellent school system is key, I do not want to deprive my kids of the best education there is. I'd like it to be a kid friendly neighborhood. No violence or drugs!!! I do not have a clue where to start all I know is what state I want to move to. When should I start making preparations, what will make this a smooth transition for me and my children. What will it cost me?? Any tips would be most appreciated Thank you
Answer
Hi I have moved cross country several times and this is what I have learned.
Things to do before you go. I have moved to several states and here are some things that I have learned. Start looking for jobs now. Check out the local paper, local job websites, Monster, Yahoojobs, Hotjobs and every other site you can get your hands on. This lets you know what the market is like and if you are going to be able to get a job there. If you can start applying a few months before you move, try to set up phone interviews and get the ball rolling. Trust me it is much better to have the job before you move. Take a trip to the area a month or two before you move, look at houses, apartments and areas that you want to live in. You will want to have a place to stay before you go! Be prepared to make a few trips there before you move to sign papers and that kind of thing. Save up a lot of cash before you go. You will want to have at least 4 months of living expenses saved up before you go. Things happen and if you move before you have a job it can be tough to find one. It is better to be prepared. Make sure you have your closing cost, cost of movers, deposit for utilities and so on saved! Start calling the utility companies now and find out what it takes to get them turned on and approx cost to have them each month. In STL gas is like $20 during the summer of course more in winter. Electric is like$100 in summer and $20 in winter and water was like $40. Donât forget sewer, phone, and subdivision annual fees. All these things start to add up! For extra cash sell your stuff on Ebay, yard sale or give it to charity and use it for a tax write off. Helps you get a little extra cash for your move.
Make a to do list and up date it each week, check off stuff as you go. Make a plan for each new week by looking at the sheet and get at least 3 things done that week. Makes it much easier in the long run if you start in advance and keep up with things. List help so start getting used to them ha ha ha.
You need to contact your bank and find out what you need to do to get your account moved. You need to contact your insurance company for both the house and the car and find out about rate changes and notify them of your new information. Also be sure to contact your health insurance company and inform them you are moving so the benefits can be transferred to that area. HMOâs have a limited area so you want to notify so you are covered. You need to notify all of your Credit Card companies and update your information, this also keeps them from freezing your account. I would also call the cell company, and any other âcardsâ you might have like Blockbuster and let them know. Make sure you fill out a change of address form with the post office at least 3 weeks in advance so you get your mail. Notify friends and family of the move, that includes people that you only talk to once a year and let them know so they are not sending things to the old place. You can always just send out just moved postcards. Since you will need child care start researching now it never hurts! Get ride of stuff now! The more you can get ride of the less it cost to move. If you havenât used it in years, can live without it, or buy new get rid of it. Trust me the movers will cost you less or you can rent a smaller UHAUL to get your stuff down there. All this saves money. Start your moving book now. I always do this very helpful and keeps you organized. Get a binder and make sections for things like housing, jobs, movers, utilities, important phone numbers and contracts. Put everything associated with the move in the book. Make sure you take this with you, that way if something goes wrong you have the information at your finger tips! Also start packing number your boxes and make a packing list of what is in each box. That way if one gets lost you know what is in it, this is really helpful if you are using movers, also helps you when you unpack because you will know what are the most important boxes. Make sure you move all important documents (taxes, contracts ect) with you, have them in the vehicle that you are taking. This is your personal information and it is hard to get copies of this stuff so make sure you take it! Donât trust the movers!
Contact the Chamber of Commerce and ask for your FREE relocation packet, this has everything you need to get you started. It has info on jobs in the area, cost of living, phone numbers, stats on crime, schools and more. This is one of the most helpful things you can do for your move! I have done it for every move and I cannot stress how helpful it is.
If you currently own a house get it ready for the market! Talk with a realtor and find out how long most houses in the area are taking to sell. Check your local real estate sites, chamber of commerce and listings in the area. Price your house to sell, do your fix ups now. The housing market is real bad right now, where I live houses used to sell in two days now we are looking at 4 months. You donât want a house in one state and another payment in your state, find apartments that will rent month by month and get rid of the house before you go. Plan, plan, plan, organize, organize and organize some more. I cannot stress to you enough that when moving from state to state you cannot plan enough. Be sure to triple check everything, make out a to-do list and get yourself a time table set up. This will keep you on task and you will have a visual aid to let you know that everything has been taken care of. Trust me I have moved the wrong way and regret it and I have moved the right way and everything went as planned.
Good Luck to you on your move, do your research, take your time, save your cash, plan and organize and everything will go well!
Hi I have moved cross country several times and this is what I have learned.
Things to do before you go. I have moved to several states and here are some things that I have learned. Start looking for jobs now. Check out the local paper, local job websites, Monster, Yahoojobs, Hotjobs and every other site you can get your hands on. This lets you know what the market is like and if you are going to be able to get a job there. If you can start applying a few months before you move, try to set up phone interviews and get the ball rolling. Trust me it is much better to have the job before you move. Take a trip to the area a month or two before you move, look at houses, apartments and areas that you want to live in. You will want to have a place to stay before you go! Be prepared to make a few trips there before you move to sign papers and that kind of thing. Save up a lot of cash before you go. You will want to have at least 4 months of living expenses saved up before you go. Things happen and if you move before you have a job it can be tough to find one. It is better to be prepared. Make sure you have your closing cost, cost of movers, deposit for utilities and so on saved! Start calling the utility companies now and find out what it takes to get them turned on and approx cost to have them each month. In STL gas is like $20 during the summer of course more in winter. Electric is like$100 in summer and $20 in winter and water was like $40. Donât forget sewer, phone, and subdivision annual fees. All these things start to add up! For extra cash sell your stuff on Ebay, yard sale or give it to charity and use it for a tax write off. Helps you get a little extra cash for your move.
Make a to do list and up date it each week, check off stuff as you go. Make a plan for each new week by looking at the sheet and get at least 3 things done that week. Makes it much easier in the long run if you start in advance and keep up with things. List help so start getting used to them ha ha ha.
You need to contact your bank and find out what you need to do to get your account moved. You need to contact your insurance company for both the house and the car and find out about rate changes and notify them of your new information. Also be sure to contact your health insurance company and inform them you are moving so the benefits can be transferred to that area. HMOâs have a limited area so you want to notify so you are covered. You need to notify all of your Credit Card companies and update your information, this also keeps them from freezing your account. I would also call the cell company, and any other âcardsâ you might have like Blockbuster and let them know. Make sure you fill out a change of address form with the post office at least 3 weeks in advance so you get your mail. Notify friends and family of the move, that includes people that you only talk to once a year and let them know so they are not sending things to the old place. You can always just send out just moved postcards. Since you will need child care start researching now it never hurts! Get ride of stuff now! The more you can get ride of the less it cost to move. If you havenât used it in years, can live without it, or buy new get rid of it. Trust me the movers will cost you less or you can rent a smaller UHAUL to get your stuff down there. All this saves money. Start your moving book now. I always do this very helpful and keeps you organized. Get a binder and make sections for things like housing, jobs, movers, utilities, important phone numbers and contracts. Put everything associated with the move in the book. Make sure you take this with you, that way if something goes wrong you have the information at your finger tips! Also start packing number your boxes and make a packing list of what is in each box. That way if one gets lost you know what is in it, this is really helpful if you are using movers, also helps you when you unpack because you will know what are the most important boxes. Make sure you move all important documents (taxes, contracts ect) with you, have them in the vehicle that you are taking. This is your personal information and it is hard to get copies of this stuff so make sure you take it! Donât trust the movers!
Contact the Chamber of Commerce and ask for your FREE relocation packet, this has everything you need to get you started. It has info on jobs in the area, cost of living, phone numbers, stats on crime, schools and more. This is one of the most helpful things you can do for your move! I have done it for every move and I cannot stress how helpful it is.
If you currently own a house get it ready for the market! Talk with a realtor and find out how long most houses in the area are taking to sell. Check your local real estate sites, chamber of commerce and listings in the area. Price your house to sell, do your fix ups now. The housing market is real bad right now, where I live houses used to sell in two days now we are looking at 4 months. You donât want a house in one state and another payment in your state, find apartments that will rent month by month and get rid of the house before you go. Plan, plan, plan, organize, organize and organize some more. I cannot stress to you enough that when moving from state to state you cannot plan enough. Be sure to triple check everything, make out a to-do list and get yourself a time table set up. This will keep you on task and you will have a visual aid to let you know that everything has been taken care of. Trust me I have moved the wrong way and regret it and I have moved the right way and everything went as planned.
Good Luck to you on your move, do your research, take your time, save your cash, plan and organize and everything will go well!
How to get help paying off student loans when they say we don't qualify for help?
callis_hol
I have tried my best to show my 3 children that there is a silver lining to everything but at this moment I am trying my best to stay true to that.I have been hitting a series of bad luck lately......Last year, had to have emergency surgery for a hysterectomy due to cancer, husbands appendix popped, got into a car accident, broke my ankle falling down stairs and got bit by a snake..........Now in this year of 2012 I started out in January in ICU due to kidney failure and was there for 9 days then out of work for the rest of the month for recovery, then on February 11th my mother-in-law passed away due to a heart attack. (Won't lie sort of scared for what March has in store for me) I am 27 years old and I have a BA Degree in Criminal Justice. When I started going to school I was told I could get a job with any police department in the state but come to find out the school I attended was National Accredited and not Regional Accredited, which I didn't know until I graduated due to the school never informing of this information. The police departments will not except my credits for the police academy because of this, so instead of the job I went to school for I now work Security making only $16,000 a year when I was promised to make at least $45,000 a year. My student loans equal up to $53,000 and I can't afford them. Plus don't qualify for any help because I am married and we make almost $45,000 together. With gas prices going up as well as food prices, we are struggling as it is. We live pay check to pay check paying rent, electric, water, trash/sewer, car payment, insurance and phone. Not to mention what the kids need for school and medical expenses as well. I seriously could use all the help in the world at the moment as well as one great good luck charm, so if anyone could help me I would very much appreciate it. Thank you for your time.
Answer
I am so sorry you were ensnared by the questionable practices of a for-profit/career/proprietary school. I am sorry you believed the sales hype the school made.
Unfortunately, you still need to work on repaying the student loan funds. Depending upon the lender (or lenders) you may be able to arrange for a reduction in the amount you must repay each month or obtain an economic hardship deferment. This is a link to some information about that:
* http://studentaid.ed.gov/PORTALSWebApp/students/english/difficulty.jsp
Without knowing if your loans were through the Federal government or private student loans, I can't direct you much better. You will need to talk with a real person at the agency or company that is your lender. Your loan paperwork should note a phone number to call.
You do not mention the name of the school you attended and the state where you live. A number of for-profit schools (their main focus is to earn profits for their shareholders) are under investigation for fraudulent practices by the attorneys general of many states.
If you do not know how to find the information on how to file a complaint with your state's attorney general's office, feel free to send me an email through Y!A (click on my screen name and click on the link to send Juanaquena an email) giving the name of the school and the state where you live. I will be happy to give you information on filing a complaint.
To help warn off others, I also suggest you post your complaint about the school you attended through the CollegProwler.com web pages:
* http://www.collegeprowler.com
Use the search box in the upper right corner of the home page, enter the name of your school. Once you are on the web page for the school, scroll down toward the bottom of the page to Register with CollegeProwler.com and write your review of the school and give your warnings to others.
Added:
"Notify the Federal Student Aid Ombudsman at 1-877-557-2575 or www.ombudsman.ed.gov if you have a complaint that you cannot resolve with your lender."
Source:
https://studentaid.ed.gov/students/attachments/siteresources/loansAvoidDecep.pdf
And . . .
[Quote]
If you suspect fraud, waste, or abuse involving federal student aid, e.g. Pell Grants, Direct Loans, etc., or if you believe that school personnel have misrepresented any aspect of the educational program, its cost, or its outcome, you should contact the Inspector Generalâs Hotline at 1 800-MIS-USED or http://www2.ed.gov/about/offices/list/oig/hotline.html?src=rt.
[End quote]
Source: From: Student Aid on the Web
http://studentaid.ed.gov/PORTALSWebApp/students/english/faqs.jsp#Que18
Question 18. What do I do if I suspect my school operates in a deceptive or fraudulent manner?
Librarians--Ask Us, We Answer!
Find your local Public Library at:
http://www.publiclibraries.com/
Find your College/University Library at:
http://lists.webjunction.org/libweb/Academic_main.html
Best wishes
I am so sorry you were ensnared by the questionable practices of a for-profit/career/proprietary school. I am sorry you believed the sales hype the school made.
Unfortunately, you still need to work on repaying the student loan funds. Depending upon the lender (or lenders) you may be able to arrange for a reduction in the amount you must repay each month or obtain an economic hardship deferment. This is a link to some information about that:
* http://studentaid.ed.gov/PORTALSWebApp/students/english/difficulty.jsp
Without knowing if your loans were through the Federal government or private student loans, I can't direct you much better. You will need to talk with a real person at the agency or company that is your lender. Your loan paperwork should note a phone number to call.
You do not mention the name of the school you attended and the state where you live. A number of for-profit schools (their main focus is to earn profits for their shareholders) are under investigation for fraudulent practices by the attorneys general of many states.
If you do not know how to find the information on how to file a complaint with your state's attorney general's office, feel free to send me an email through Y!A (click on my screen name and click on the link to send Juanaquena an email) giving the name of the school and the state where you live. I will be happy to give you information on filing a complaint.
To help warn off others, I also suggest you post your complaint about the school you attended through the CollegProwler.com web pages:
* http://www.collegeprowler.com
Use the search box in the upper right corner of the home page, enter the name of your school. Once you are on the web page for the school, scroll down toward the bottom of the page to Register with CollegeProwler.com and write your review of the school and give your warnings to others.
Added:
"Notify the Federal Student Aid Ombudsman at 1-877-557-2575 or www.ombudsman.ed.gov if you have a complaint that you cannot resolve with your lender."
Source:
https://studentaid.ed.gov/students/attachments/siteresources/loansAvoidDecep.pdf
And . . .
[Quote]
If you suspect fraud, waste, or abuse involving federal student aid, e.g. Pell Grants, Direct Loans, etc., or if you believe that school personnel have misrepresented any aspect of the educational program, its cost, or its outcome, you should contact the Inspector Generalâs Hotline at 1 800-MIS-USED or http://www2.ed.gov/about/offices/list/oig/hotline.html?src=rt.
[End quote]
Source: From: Student Aid on the Web
http://studentaid.ed.gov/PORTALSWebApp/students/english/faqs.jsp#Que18
Question 18. What do I do if I suspect my school operates in a deceptive or fraudulent manner?
Librarians--Ask Us, We Answer!
Find your local Public Library at:
http://www.publiclibraries.com/
Find your College/University Library at:
http://lists.webjunction.org/libweb/Academic_main.html
Best wishes
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Title Post: When relocating to a different state what is the easiest way to prepare for the move and the least costly???
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