Jay LeClerc's Blog
If you recently bought or sold a house, it may be only a matter of weeks before moving day arrives. As such, you may want to start planning ahead and contact a moving company to help you prepare for the big day.
Ultimately, not all moving companies are created equal. And if you make a poor selection, you risk encountering problems with your moving company as you try to take your belongings from one address to another.
Differentiating one moving company from another can be simple. In fact, there are several questions that you should consider before you hire a moving company, and these are:
1. What do I need from a moving company?
Moving from a big house to a small one is very different than relocating from an apartment to a home. Thus, you should consider your moving day needs and tailor your search for a moving company accordingly.
Don't forget to evaluate your moving day budget too. If you consider how much money is at your disposal, you can map out a search for a mover and discover a moving company that falls within your price range.
2. What services does a moving company offer?
Many moving companies will help you pack up your belongings, move them to your new address and help you unpack. Comparatively, some moving companies only offer limited support on moving day.
Think about which moving day services you'll need before you choose a moving company – you'll be glad you did. If you know what you want out of a moving company, you can narrow your search and quickly find a mover that will match or exceed your expectations.
3. What are past clients saying about a moving company?
Oftentimes, it helps to look at client reviews for moving companies. These insights can help you understand what it is like to work with a particular moving company before you make your final decision.
If customers frequently rave about a moving company, this is a positive sign. In this instance, you may want to move quickly to hire a moving company for your upcoming relocation.
On the other hand, a moving company that receives many negative reviews should raise red flags. If most customers are not satisfied with the support they receive from a particular moving company, you may want to consider other movers.
Finding the right moving company may seem difficult, particularly for individuals who have only a limited amount of time to relocate. But if you collaborate with a real estate agent, you may be able to discover the ideal moving company in no time at all.
In addition to helping you buy or sell a home, a real estate agent will make it easy for you to enjoy a seamless move. A real estate agent likely can put you in touch with the top moving companies in your area. As a result, a real estate agent can help you find a great moving company, regardless of when you need to relocate.
6 Roy Avenue, Newbury, MA 01951
4 Buttonwood Rd., Amesbury, MA 01913
309 High Rd., Newbury, MA 01951
Deciding to pay off your mortgage can be a confusing decision to make. You might be wondering about how you would take care of other financial debts or emergencies should they arise. Deciding to pay or not to pay off your mortgage early should be a decision made by you. The economic circumstances around you should determine this decision at the time.
It is tempting to continue paying for a mortgage in bits because of the benefits homeowners enjoy. As a homeowner though, there are situations when you find yourself considering the ‘paying down' option. Before you make such a financial decision though, you should speak to your financial advisor and be certain it's the best decision to make.
Pay off your mortgage early under any of these circumstances listed below:
So many people plan for retirement—it's a period when you want to be as comfortable as possible. Taking steps and putting things in place before you retire is one of the best financial decisions anyone can make. While making your retirement plan, it's advisable you consider paying off on your mortgage. The reason behind this is as soon as you come into retirement, your steady monthly inflow reduces (most of the time). You may have more available time on your hands to go on vacation and treat yourself out. Having the thought of mortgage payments over your head at this period might be a burden. Pay off the mortgage before retirement and reduce what you must worry about when you retire.
When you come into a significant amount of cash
When you get a large cash amount, and you have settled all your bills and taken out some for investment, if you still have enough left, it's advisable to use it to pay off your mortgage. Using an inheritance or insurance payout against your mortgage is useful, you might not get another opportunity to pay down that mortgage. However, your mortgage may have early liquidation fees which you have to consider. Where there is none, there's a higher incentive to pay off part or all of it.
Possible increase in the interest rate
The fear of an increased interest rate on an adjustable mortgage would make you consider paying off your mortgage especially if it's at a period when you can afford the money.
If you just happen to be the kind of person who is not risk inclined and would rather have one investment as opposed to having several investments that might yield more increase, it's better you pay off your home's mortgage as soon as you can.
Minimal tax benefit
A lot of the time people drag their feet as regards paying off the mortgage early because of the tax advantage they enjoy from having a mortgage. If your tax benefit is minimal or none — meaning you are not benefiting from a tax deduction for mortgage interest — it's advisable that you pay off your mortgage.
Paying off your mortgage is a personal choice that involves you looking at your whole financial picture to determine if it will be a wise decision. Speak to your financial planner for more insight.