T. Jay Johnson Jr. - Lamacchia Realty, Inc.



Posted by T. Jay Johnson Jr. on 3/13/2020

Image by Suphaksorn Thongwongboot from Shutterstock

When relocating to a new home, youíll need to plan to pack, hire movers, and to change your address with the post office but donít forget to update your car insurance. If youíre moving to a new state or just to a new zip code, you will have to make some changes to your insurance to ensure youíre covered at your new residence.

Do You Have to Change Your Car Insurance When You Move?

Each state, and sometimes counties and cities, set the requirements for auto insurance coverage. Some states require a higher level of accident coverage, while others may require a coverage lower than what you already have. You need to adjust your policy to suit the demand of the state. If your current coverage meets the requirements, your premiums may still change. 

Decide on an Insurance Provider

As soon as you are confident you will move, contact your insurance company to see if they conduct business in your new state. Ask your insurance agent about the rules of your prospective state and if you need to change your policy. Doing this early gives you enough time to make the necessary adjustments and have them in place for when you move. If the company you use does not operate in your new state, take some time to research your options. 

Insurance costs vary from one carrier to the next because each company emphasizes different factors that might affect your vehicle in your new location. If you need to change your current insurance company, plan to compare prices and policies from at least three different carriers before deciding on which provider you want.

No-Fault Coverage

Some states in the US require car owners to have "no-fault" insurance coverage. No-fault coverage means that a car owner's insurance company covers any loss, medical bill, or funeral expenses caused by a car accident irrespective of whose fault the accident was (yours or the other driver). You have to find out if your new state has such a law so that you can put the required coverage in place.

Insurance Premiums

Insurance companies factor the chances of various events occurring before determining your premium. Relocating to another state might increase or decrease the likelihood of you making a claim due to theft, vandalism, or accidents. If you move from a small town to a larger city, it is likely your payments will increase. 

For more clarification on your car insurance, speak to an agent in your insurance company before the day of the move. Your realtor can recommend the best options for you to choose from in your new location, so add that to your talking points for the next meeting.




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Posted by T. Jay Johnson Jr. on 1/31/2020

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Most times, after moving your property into your new home, you have stacks of empty cardboard boxes to put away. After taking out the contents, you might be wondering what to do with that pile of cardboard. Thankfully, cardboard moving boxes are easy to reuse and can serve other purposes.

Break Down All Your Boxes

The first thing to do with your moving boxes in preparation for recycling is to break them down; it makes it easier to recycle. Empty all contents in the boxes, cut tape along the connections rather than tearing it off, collapse the boxes, and ensure they are entirely flat. Cut out any part that might have damage from liquids or spills as it is almost impossible for recycling companies to recycle saturated cardboards. Store the deconstructed boxes in a dry place until you can bring them to a waste management facility or until you can arrange for pickup.

Check with the Waste Management Company 

Before bringing out all your boxes and stacking them right next to your bin, ensure the waste management truck will collect them during regular pickup times. Most cardboard boxes take up a lot of space even when collapsed, so services pick them up on different days or require you to deliver them. Put a call into your waste management company or instructions or ask for a drop off point you can take the boxes to yourself.

Put the Cardboard to Use Yourself

You can repurpose your boxes without sending them to the recycling plants. Consider the following:

  • For Compost: If you make compost, throw your cardboard boxes into the pile. They will break down into mulching for gardening. You can compost boxes damaged by food or water but avoid incorporating boxes soiled by chemicals. 

  • For Protecting Your Floors: If you intend to paint your new home, your cardboard will come in handy for protecting your floor from paint spills. Cut open your boxes to make them bigger and tape them together to protect a wood floor or carpet. 

Lastly, rather than recycle or repurpose your boxes, be a good neighbor, and consider gifting them to someone that is moving. Check with your real estate agent to see if another client could use your boxes.




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Posted by T. Jay Johnson Jr. on 12/13/2019

Image by Wellnhofer Designs from Shutterstock

When youíre relocating you search for a property and learn the real estate market in your new area. Are you also looking at what the general cost of living is in your new city? The cost of living can be very different from state to state and city to city. Here are some common daily expenses you may want to research as part of your relocation planning. 

Groceries

The cost of groceries and home goods can vary drastically from place to place. If youíre moving to a new city or state your general cost of goods may increase or decrease depending on where you move. This is a cost many people donít consider when thinking about the affordability of a new area. The price of milk might be 50% more or even double the cost from where you live now. The same shampoo you purchase in California might be half of the cost in Arizona. A change in sales tax will also make a difference in what you pay for goods. To gather information about how this may impact you, check into a few retail stores in your target area (or online if you canít be local) and make some price comparisons based on the products you purchase regularly.

Transportation

Gas prices can make a difference to your monthly costs. On the coasts, prices can be as high as $4.00 or more per gallon, but in the Midwest and South prices can be under $2.00 a gallon. If youíre moving to a location where gas prices increase consider those additional fill-ups when determining what commute you can manage. Is it most cost-effective for you to live further away from your workplace in a less expensive home? Does it make more sense to find a home closer to work allowing for a shorter commute or the use of a public transportation option? Consider also the amount of time youíre willing to spend on your commute each day.

Food and Entertainment

The amount you spend on entertainment and dining each month may change when you move. In some places a higher minimum wage is set for service industry workers, so a lower tip percentage is common. In other locations the service industry wage is quite low, so a higher tip percentage is the norm. Explore the activities you enjoy while you house hunt to get a better idea of what differences you might experience in your new location.

Services

Finally, the cost of general services can affect your bottom line. From your new hairdresser to housekeeping services to home repair companies you could see a change in pricing. If you frequently use these types of services or would like to, consider how the average cost for them fits into your monthly budget. 

These cost differences may not seem like a big factor, but they can impact your monthly expenses. If youíre moving to a more affordable place you may save enough on basic goods and services that you can increase your mortgage budget. However, if youíre relocating to a city with a higher cost of living, you may need to revisit your monthly budget to see what you can really afford.




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Posted by T. Jay Johnson Jr. on 11/23/2018

Moving day can be stressful, particularly for those who need to transport many large, heavy items to a new house. Fortunately, we're here to help you simplify the moving process and enjoy an injury-free moving day.

Now, let's take a look at three safety tips to help you avoid moving day injuries.

1. Plan Ahead for Moving Day

You know that you need to vacate your current residence, and if you plan ahead as much as possible, you can minimize moving day risks.

Ultimately, it can be tough to try to move all of your belongings on your own. But if you ask family members and friends for support, you can get plenty of assistance as you get ready to transport your belongings to your new house.

You also should pick up the right moving day supplies. Items like furniture sliders, lifting straps and hand trucks often help speed up the moving process. Plus, these items are easy to find and ensure individuals can avoid putting too much pressure on the body when they move big items.

2. Use the Proper Lifting Techniques

When it comes to moving day, it pays to learn the proper lifting techniques.

For example, to lift moving boxes, you should always lift with the legs Ė not the back. Bend the knees and keep the back straight, and you should have no trouble safely lifting moving boxes and other items.

In addition, use common sense on moving day Ė you'll be glad you did. Although you may be tempted to try to move large items as quickly as possible, it is important to know your physical limitations. And if you don't feel comfortable moving a couch, big-screen TV or other heavy objects, you can always reach out to a friend or family member for extra help.

3. Clear All Walkways

It is important to keep all walkways clear on moving day. That way, you can avoid the risk of tripping and falling while you're moving items in and out of your house.

Furthermore, it is always better to err on the side of caution on moving day. If kids or pets are present, you should try to keep them in a safe area until all items are removed from your house.

Moving items can be tricky, particularly for those who need to vacate their current residences soon. If you need additional assistance on moving day, you should contact a moving company.

A moving company hires courteous, professionally trained staff who can help you take the guesswork out of relocating from one address to another. In fact, this business will pick up and relocate heavy items to your new address to eliminate the risk of moving day injuries.

Lastly, if you need help finding a moving company, you should collaborate with a real estate agent. This housing market professional can help you buy or sell a house, along with put you in touch with the best moving companies in your area.

Use the aforementioned tips, and you can limit the risk of injuries on moving day.




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Posted by T. Jay Johnson Jr. on 6/29/2018

Getting ready to buy a home is one of the most exciting times in life. The purchase of a home is one of the biggest financial decisions that you will ever make in your lifetime. When you make the decision to buy a home. There are a few key things that you need to do to be prepared for the process of a property purchase. It can be simple if you have the right preparation and knowledge.


Find The Right Realtor


A good realtor will steer you in the right direction when it comes to finding the home of your dreams. Your real estate agent also will help you each step of the way on the road to buying that home. Thereís a lot of paperwork that must be done in a timely manner throughout the buying process. The right realtor can even help you to get the offer in for the right home in on time. In a competitive market, having a realtor who is on top of things can mean the difference between purchasing the home you want and letting it fall through the cracks.


Know That Youíre Signing A Lot Of Legal Paperwork


The purchase of a home does involve a contract. If you need more time for anything such as reviewing your home inspection or waving certain contingencies, youíll need to state that. Every piece of the transaction is important and needs to be formally processed when it comes to purchasing a home. Your realtor will be there to help you through all of these complicated processes. 


Think Of The Future


When youíre choosing a home, youíre not just buying for your life as it stands right now. Are you hoping to have a big family? Do you need a home office? How much entertaining are you planning on doing? All of these things are important when it comes to the type of home that youíll buy. If you donít plan for the future, youíll outgrow the home that youíre in quite quickly. 


Look For Potential


See what potential the homes that youíre looking at have for you. Some homes may have major cosmetic issues that can easily be fixed. Perhaps The walls just need some fresh coast of paint. Maybe the deck needs to be stained. If you go into the house search with an open mind, it will be a lot easier for you to find the right home. You donít need a home that is absolutely move-in-ready unless of course, youíre building a brand new home from scratch.


Know Your Finances


One of the most important things about buying a home is knowing your finances. Donít buy a home that you canĎt afford. From looking at your own budget to getting pre-approved, youíll be able to have a better understanding of your own financial situation and how much house you can afford.




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