Step Moving Companies – Choosing the Best

When you are moving, you want to make sure that your possessions are safe, that they are going to arrive at your new home undamaged, but how do you make sure this happens? One way is to move your possessions yourself but if you have a lot of stuff to move or you are moving to another state moving everything yourself might not be possible without hiring a moving company.

The first step is to sort through your household stuff and divide it into three categories, which would include items to be given away, items to be sold, and items to move. This will help you know just how much stuff you have to move so you would know what type of mover you would need to hire. When you either sell or give away things that you do not need you will be getting rid of things and not taking it with you to store in your new home.

To find a good mover talk to family, friends, neighbors, or co-workers to see if they know of a reputable moving company they can recommend. If possible it is better to hire a moving company that someone recommends than to hire one from a listing in the phone book or from an online search. With a recommendation, you know that they will give you good service. Even if you have a recommendation it is best to check with several moving companies to sure that you are getting a reputable company and the best deal. When talking to the moving companies ask them how many years they have been in business, and what amenities they offer. You should inquire how long it would take them to move your household goods to the new home. You also want to make sure that they have the required licenses.

Make sure that the company is regulated by calling the state transportation department. You should also check with the Better Business Bureau to see there were any complaints filled against the moving company. Doing these things should give you an idea of how trustworthy and reliable they are. Next call and get an estimate of three or four companies. This estimate should include packing fee, storage fees, insurance, surcharges, and more.

Some moving companies will give you a non-binding or binding estimate. With a binding estimate, it includes all costs with no additional charges. In a non-binding estimate, as much as ten percent or more can change on the original estimate. Once you have the estimates compare all the companies and choose the one with the best services for the best rates. Make sure that you get a copy of the estimate before signing the contract.

Care Costs in Retirement – Controlling Your Health

It’s no secret that health care becomes a bigger concern for most of us as we grow older. More ailments are likely to develop, which means more money spent to visit health professionals and buy medication. Even if you remain healthy through your later years, the costs of preventative care and preparing for potential unexpected health situations are rising.

Health-related expenses will likely be one of the biggest components of your retirement budget. You need to be prepared to pay for comprehensive insurance coverage and potential out-of-pocket costs for care. Here are three strategies to help you manage this critical expense in retirement.

Understand how Medicare works

The good news for Americans age 65 and older is that you qualify for Medicare. That makes increased dependence on health care services more affordable. At age 65, most people automatically qualify for Medicare Part A at no cost, which primarily provides coverage for hospital stays and skilled nursing care. Medicare Part B must be purchased (approximately $109 per month in 2017 for most retirees). Part B covers the costs of visiting a physician, but with some deductibles. Many people purchase additional coverage to use for out-of-pocket expenses, such as a Part D prescription drug plan or a Medicare Supplement policy.

With Medicare, timing is important. Signing up when you first qualify for coverage will keep costs at the lowest level. If you maintain insurance through your employer after turning 65, you can delay Medicare enrollment without risking late penalties.

If you retire prior to age 65, you will need to purchase insurance on the open market to cover health-related expenses until you become eligible for Medicare. Individual coverage tends to get more expensive as you grow older, so work the cost into your retirement budget. Some employers offer retiree health insurance as a benefit. Check with your human resources department to see if this option is available to you.

Allocate sufficient funds for health care costs

As you develop your retirement income strategy, make sure you have money set aside for health expenses that will be your responsibility. By one estimate, the average 66-year-old couple will need to tap more than half of their lifetime pre-tax Social Security benefits to pay for health care expenses throughout retirement. Most people will likely have to rely, in part, on their own savings to help offset some medical expenses.

Along with other retirement savings, you may want to establish a health savings account (HSA) during your working years. HSAs are designed to help build tax-advantaged savings to pay for out-of-pocket medical expenses you incur during your working years. However, any leftover funds can be applied to health expenses later in life, including premiums for Medicare and long-term care insurance. Keep in mind that you must be enrolled in a high deductible health plan to open an HSA.

Focus on your own health

One way to potentially keep health care costs under control in retirement is to create or maintain a healthy lifestyle. Small changes you make today, such as eating right or prioritizing sleep, could reduce the likelihood that medical issues will impact you later in life. Being physically active may also benefit your finances in retirement – according to the American Heart Association, it could potentially help you save $500 a year today on health-related expenses.

Having a plan doesn’t guarantee that you will avoid heath issues, but you may find comfort in knowing how you can tackle health care costs in retirement.

Home Built Is Exciting


When it comes to custom homes, you don’t want to put that into the hands of just anyone. Look for a provider with a history of offering well-made homes. They should be completed on time, on budget, and with quality materials. They should have a reputation of listening to the buyers and offering a variety of floor plans as well as other options to pick from.

You need a provider who can guide you through the entire process from start to finish. It all begins with a free consultation where you can share your dream about custom homes. What would the ideal home look like and where would it be located? They can spend time giving you the opportunity to check land available, various sizes and layouts of homes, and more.

Getting Started

As you start to share with them what you want the outcome to be, they can give you more specific ideas and concepts. They can also give you an idea of what the cost will be. Typically, they are going to give you the base package price. As you add various upgrades, the cost can increase. Keep that in mind as you are making your final decisions.

If the cost is too much, you will either have to increase your budget or you will need to make some changes. It can be useful to get pre-approved for a loan before you discuss details with the creator of custom homes. This helps you to know how much you can afford to spend. It will also speed up the process of getting it all in motion once the last paperwork has been completed.


One of the key aspects of making it all fall into place is excellent communication. The provider should get back to you timely with information. They should be willing to sit down and discuss with you various options, show you samples of colors and materials, and make sure you feel comfortable with how it is all moving forward. You shouldn’t ever feel rushed or pressured.

During the planning stages, you need to ask questions as you go. Don’t feel intimidated or like you should know more than you do. Providers of custom homes deal with this all day, every day and they realize you are new to the process. They are going to be patient and they are going to be motivated to help you feel confident about the entire process.

Building Process

Once the specifics are in place and the financing has been taken care of, the real building can begin. Custom homes should be built to your specifications with quality materials. During various stages of the building there will be required inspections that have to be done. They are conducted by an outside 3rd party to make sure the home is being built safely and up to code.

It is a good idea to find out about any warranties that apply. Usually, there will be a warranty that is applied for the materials and another given by the contractor for their role in the construction of your new home. Find out exactly what is covered and what isn’t under such a warranty. You don’t want to feel blindsided if you need to make a claim down the road.

Living The True Weight Loss Lifestyle

For those that are trying to lose weight, they focus on rigorous workout routines and different diets is not their primary focus, but changing their lifestyle entirely. Stop counting calories and start changing your life as a whole.

Do you spend so much time working out at the gym that the receptionist knows you better than your housemates right now? Nonetheless, you have no success at weight loss no matter how hard you try.

Diets that are fads tend not to work out well, even through people tend to get on them frequently each year. Exercising will only make you lead a healthy life Multiple studies have revealed that the key to long-term weight loss is about lifestyle alterations. There are examples of people who have made changes, and then gone on to lose and keep off over 60 pounds of weight. Let’s take a look at how they succeeded.

One: Eat the right foods. The topic of calories is actually perfectly straight forward. It comes down to simple math. Eating more calories than what is required leads to increased weight. Still, you do not have to worry about calories if you make smart choices from the get go. Don’t eat portions that are too large and start to put lean proteins, vegetables, whole grains, and also fruits into what you eat each day.

2. Reasonable exercise. Nearly 90 percent of people who have lost significant weight changed their lifestyle by incorporating one hour of walking each day. This is what you should know. You do not have to buy fancy equipment or belong to a high-priced gym. Moderation is the key, consistency is the focus.

3. Quality Support System It is far easier to shed fat when you have positive influences around you at all times. If the people you are conversing and eating with have bad eating habits, the likelihood of you going down the same path increases.

4. Develop a good sleeping pattern. If you don’t get enough sleep, insulin production will fall. Your brain requires insulin to regulate your appetite. If you don’t get enough rest, you will certainly make poor decision as far as food choices are concerned. Insulin regulates your metabolism, so when you get proper sleep you also have the energy to stick to your daily exercise routine.

5. Keeping track of progress. The journal, believe it or not, is one of the most effective weight loss tools. By writing down the foods you eat and how much you worked out, you’ll have success. The process of documenting your progress helps you maintains a constant awareness of good and bad habits and is proof in black and white of what is working for you personally and what does not. This journal helps you pinpoint problem areas, such as snacking and eating on the weekends when you hang with people who are not as driven. In most cases, simply keeping consistent records (at least six days out of the week) is enough to increase the total amount of weight lost by as much as one hundred percent. Let your journal serve as a daily reminder of the things you should do and where you want to be in the future.

A change in lifestyle isn’t just about losing weight – it’s about living longer, happier, and better lives. Understand the efforts to change your lifestyle are worth the effort because once you lose that weight, you will keep it off. This the time you must get realistic with weight loss effort by changing your lifestyle since no other method will give you the required results.