Moving

WRITTEN BY JORDANA TURCOTTE OF SIMPLY YOU

Moving is challenging.

Remember moving as a college student? You didn’t have a lot of stuff, but had plenty of friends to help. But now, moving – as an adult – can be one of the most stressful events you will go through.

Moving makes you confront all the “stuff” you have – the sentimental stuff, the purchased and unused stuff, the “hasn’t fit in years, but might” stuff – all those decisions are overwhelming. Put those decisions on a time crunch and it can all be, just too much. Two major things to do before any move: Declutter and Plan.

Decluttering is the best thing you can do for so many reasons. If you don’t want it now, you won’t want it later. Make informed decisions now on when you last used something; packing it up, just to let it sit, doesn’t make sense. Moving can be costly (volume and/or weight of load), so the less stuff you bring, the cheaper the move. Unburdening yourself on the front end sets you up for a simpler new space. Next, planning.

Planning when doing anything big removes a lot of stress. Planning for a move is imperative. Mapping out when you are going to move and working backwards to maximize decluttering and packing times helps you feel in control of the move process start to finish. Post a calendar with sessions for going through and packing each area. Enlist help if you can, there is a lot to do. Lists will be your friend – to-do list, to-call list, to-buy list. Post them prominently.

Depending on the move you are doing, here are some other considerations to think about:

• Moving to a smaller place needs more emphasis on size and quantity of furniture and storage needs. A good example is if your new kitchen will be half the size, less of everything is your goal.

• Moving to a larger, brand-new home can be exciting, but you may not want your current/old furniture in the new space. Again, moving it can be costly and if you sell before moving you not only have the cash now, but will spend less on the move.

• Moving out due to divorce may sadly lead to a splitting of belongings. Change is hard enough, but letting go of bad memories is a good thing. Only bring what will best set you up for your life going forward, to create a new you!

• Moving in with someone and merging two established households can be another big task. The biggest is who is supplying what! If two households are merging; making a list of your favorite pieces of furniture (with dimensions) you want to bring helps planning where things will fit. Next, work through each room and decide whose stuff will be brought to set up which space – it can be a mix, which is fun. Not only is this a major first communication exercise, it will help with move planning and costs and ensure you don’t end up with tons of duplicate items with no place to put them. Undecided items become clutter.

By decluttering and planning you can minimize the stress from a move and hopefully capture the excitement of a new space and the change itself. Imagine the life you want in the new space and move only what supports that new life. Lastly, less really is more!

Ten Life Events To Rethink Life Insurance

Ten Life Events To Rethink Life Insurance

Mackenzie Frederick, CPCU, CLU, Owner/Agent M. Frederick Insurance, Inc.

Mackenzie Frederick, CPCU, CLU, Owner/Agent M. Frederick Insurance, Inc.

Life Insurance: two little words that have such a big impact on the future. The best time to start a life insurance program is yesterday. The second-best time is today. Policy options and rates are dependent on health and age. Life is full of curveballs and many things are beyond our control. The good news is, there are many simple, affordable options that can help you take care of multiple goals at once and provide peace of mind for the future. Life insurance is truly love insurance, and it’s better to be a decade too early than one minute too late. Here are some important times to rethink your plan.

Life Insurance: two little words that have such a big impact on the future. The best time to start a life insurance program is yesterday. The second-best time is today. Policy options and rates are dependent on health and age. Life is full of curveballs and many things are beyond our control. The good news is, there are many simple, affordable options that can help you take care of multiple goals at once and provide peace of mind for the future. Life insurance is truly love insurance, and it’s better to be a decade too early than one minute too late. Here are some important times to rethink your plan.

1. GRADUATING FROM COLLEGE

1. GRADUATING FROM COLLEGE

Have your parents co-signed on your student loans, auto loan or first apartment? If something happens to you, they will be on the hook for the balance. A small policy can help take care of this concern.

Have your parents co-signed on your student loans, auto loan or first apartment? If something happens to you, they will be on the hook for the balance. A small policy can help take care of this concern.

2. GETTING MARRIED/ CODEPENDENT LIVING

2. GETTING MARRIED/ CODEPENDENT LIVING

If you are living with someone that depends on all or a portion of your income, it is important that you take care of this person. The amount of coverage for this policy should include consideration for things like housing costs, living costs, insurances, and any outstanding debt.

If you are living with someone that depends on all or a portion of your income, it is important that you take care of this person. The amount of coverage for this policy should include consideration for things like housing costs, living costs, insurances, and any outstanding debt.

3. BUYING A HOUSE

3. BUYING A HOUSE

A stressful process! Most of the insurances required for closing are for the bank. Before you move in (and life gets even busier with renovation projects) put something in place that protects your family and their ability to stay in the home if the unexpected should occur. A policy to cover your outstanding mortgage amount typically equates to a reasonable premium that you would consider part of your new regular housing expense.

A stressful process! Most of the insurances required for closing are for the bank. Before you move in (and life gets even busier with renovation projects) put something in place that protects your family and their ability to stay in the home if the unexpected should occur. A policy to cover your outstanding mortgage amount typically equates to a reasonable premium that you would consider part of your new regular housing expense.

4. STARTING A FAMILY

4. STARTING A FAMILY your outstanding mortgage amount typically equates to a in their absence. Paired with a valid will, life insurance is an

It is imperative to secure coverage that will provide funds to take your children into adulthood if something should happen to you. Also consider getting coverage on a stay-athome parent to cover the cost of replacement services in their absence. Paired with a valid will, life insurance is an important part of family estate planning. Additionally, starting a life policy on a child is a fantastic way to set them up for their future!

It is imperative to secure coverage that will provide funds to take your children into adulthood if something should happen to you. Also consider getting coverage on a stay-athome parent to cover the cost of replacement services in their absence. Paired with a valid will, life insurance is an important part of family estate planning. Additionally, starting a life policy on a child is a fantastic way to set them up for their future!

5. JOB CHANGES

5. JOB CHANGES

We often hear “I have life insurance through work,” while that is a great benefit to have, it is rarely enough to cover a person’s true coverage needs, and there are often hidden restrictions and taxation. People are changing jobs more than ever, and employer expenses are on the rise. It is recommended to have a policy that you own and control that is not tied to an employer.

We often hear “I have life insurance through work,” while that is a great benefit to have, it is rarely enough to cover a person’s true coverage needs, and there are often hidden restrictions and taxation. People are changing jobs more than ever, and employer expenses are on the rise. It is recommended to have a policy that you own and control that is not tied to an employer.

6. INCOME CHANGES

6. INCOME CHANGES

that is a great benefit to have, it is rarely enough to cover household needs in the event of an untimely death of the

Has your family recently experienced a change in income? While it might not seem like a priority, it is more important than ever to get life coverage in place. Many affordable options are available to cover outstanding debt and household needs in the event of an untimely death of the main income earner. On the flip side, if you suddenly have an increase in income, it is important to not fall victim to “lifestyle inflation” without taking care of the basics first.

Has your family recently experienced a change in income? While it might not seem like a priority, it is more important than ever to get life coverage in place. Many affordable options are available to cover outstanding debt and household needs in the event of an untimely death of the main income earner. On the flip side, if you suddenly have an increase in income, it is important to not fall victim to “lifestyle inflation” without taking care of the basics first.

7. STARTING A BUSINESS

7. STARTING A BUSINESS

More than ever, everything depends on you. Take a piece of your worries off the table by securing an income for your family if something happens to you. Life insurance also plays a role in business planning: Many banks require coverage to secure commercial lending, Key Person coverage can be utilized as a business continuation strategy, and covering the payments on policies for employees is a great tool for retention.

More than ever, everything depends on you. Take a piece of your worries off the table by securing an income for your family if something happens to you. Life insurance also plays a role in business planning: Many banks require coverage to secure commercial lending, Key Person coverage can be utilized as a business continuation strategy, and covering the payments on policies for employees is a great tool for retention.

8. PLANNING FOR RETIREMENT

8. PLANNING FOR RETIREMENT

What will your tax liability be when you retire? If something happens to you will your spouse still be able to retire? Do you have funds immediately available to others to take care of funeral costs? Permanent life insurance can help address all these concerns and more.

What will your tax liability be when you retire? If something happens to you will your spouse still be able to retire? Do you have funds immediately available to others to take care of funeral costs? Permanent life insurance can help address all these concerns and more.

9. SAVING FOR COLLEGE

9. SAVING FOR COLLEGE

There are types of life insurance policies available to help you achieve multiple goals at once. A “return of premium” policy could be thought of as a savings account with life coverage. Every penny you pay in premium is given back at the end of the term if the death benefit is not used. This allows you to have life protection in place while also meeting a savings goal, such as a child’s education.

There are types of life insurance policies available to help you achieve multiple goals at once. A “return of premium” policy could be thought of as a savings account with life coverage. Every penny you pay in premium is given back at the end of the term if the death benefit is not used. This allows you to have life protection in place while also meeting a savings goal, such as a child’s education.

10. RECEIVING AN INHERITANCE OR LEAVING A LEGACY

10. RECEIVING AN INHERITANCE OR LEAVING A LEGACY

Preserve and grow your wealth to leave a legacy using permanent life insurance. You can change your family’s story forever!

Preserve and grow your wealth to leave a legacy using permanent life insurance. You can change your family’s story forever!

From now until 3/31 anyone who contacts us for a FREE insurance review or sends us a referral will be entered to win a dining experience from Hudson’s Private Chef Services!

From now until 3/31 anyone who contacts us for a FREE insurance review or sends us a referral will be entered to win a dining experience from Hudson’s Private Chef Services! No purchase necessary.

No purchase necessary. CALL