Best Moving Company In Dallas, Financial Tips, Local Dallas Moving Company, Moving Tips, Piano Movers, Piano moving, Uncategorized

1. Why do I need a Piano Mover? 


 Local Piano Movers
1. Why do I need a Piano Movers?     
Piano moving, like all trades, is a specialty to itself. The average upright piano weighs anywhere between 400 and 900 pounds. 

Grand pianos start at 650 pounds and can go all the way up to1300 pounds. The value of a piano can vary from a couple  hundred dollars to half a million dollars depending on make, model, age and condition of the piano. For most people, their piano is one of their most prized possessions and getting it moved without damage is one of the most important things to them during moving time. This is why household movers do not include the piano in their general household pricing. You want movers who know what they are doing, who are going to move your piano with the care it deserves, and who will not damage your home or injury anyone in the process of moving.

Moving a piano almost always requires it to be moved through a space that has a tight squeeze (i.e. a door frame, staircase, etc.). I will never tell a person that they can not move their piano themselves. The question every person who wants their piano moved has to ask is, “Do I feel lucky?” and “What risks am I willing to take?”. Anyperson who has had an accident with their piano knows that when something goes wrong, it happens fast and when you least expect it. The repercussions of moving a piano by yourself or with an inexperienced person can cost you a small fortune or more stress than most people can take. The reason you need Piano Movers is simple: you want someone who is able to anticipate every part of your move before the move has started.  


2. How are Piano’s Moved?

Pianos are moved in one of two ways. The first way, which is commonly used by the general public and a number of household movers, is by brute force. Manhandle the piano with 4 to 8 people from one location into a vehicle. If you are lucky someone might consider trying to secure it into the vehicle. Then complete the move by manhandling it into place at the new location. The second way is used by professional piano movers and some household movers. They use 2 or 3 people to move the pianoBand are equipped with piano skids, moving pads, ramps, slings and the knowledge of how to move a piano safely. They use special techniques to manipulate the piano through the move and only require 4 to 6 people in the most difficult moves. The first way has an extremely high damagerate and can take 2 to 20 times longer than the second way.

I personally am a professional piano mover . You can not imagine the number of times people’s jaws hit the floor when they see a professional piano mover after they have attempted it themselves in the past.

They almost always say the exact same thing “Never again will I attemptto move my own piano, I will let the professionals handle it from now on”. 

3. If I hire a professional piano mover, does it mean that my piano will not be damaged?       

 You decrease the chances by % 95 national AMSA average.

 As in any move, there is always an element of risk. Any mover that tells you he has never damaged anything is either lying or extremely new to theprofession (there could be an exception out there, but anyone who gambles would never take that bet). The reason you should hire a professional piano mover is the same reason you hire a professional in any other trade or buy insurance: To protect yourself from injury liabilities and reduce the odds of your piano or home being damaged. We will tell you if there is a chance of damage in the move before we touch anything and will give you the option of proceeding.   

4. How do I find the best piano movers?        
Call the local piano stores, technicians, teachers (people in the industry) and find out who they would use. After a couple of inquiries it will become clear who the piano mover of choice is. 

5. Are all companies similarly insured?        
No. The true answer to this question will shock a lot of people. It is the buyer’s responsibility to make sure that he/she is properly insured, not the moving company. Just because the company says they are insured does not mean they are fully insuring your merchandise and move or telling you what their maximum liability is.

On top of this, there are three types of insurance to considerwhen people refer to insurance.  

1. Is the company insured against damage to property and or vehicles (commercial/automotive insurance)?  

2. Is the company insured against damage to the piano  (cartage/content insurance)?  

3. Is the company insuring its workers against injury  (Workman’s Compensation)? When you ask the question, are they answering 1 & 2, 2 & 3, all of them,  one of them, insuring for a single dollar or the full value of the item being moved? Never assume that all of these are being covered (unfortunately most people do and sometimes they pay a dear price for it). Is there a legal document to show that the customer is insured? (Another important question that is  almost never asked.) Make sure you know the company”s   “Terms of Cartage” before you book your move (ask them for a copy). Is the mover providing a proper “Bill of Lading”

    with all the “Terms of Cartage” and insured values for your  piano move? Most people do not realize that without a proper

    “Bill of Lading” they are NOT fully insured and fall under local cartage laws, which are never more than a maximum of $2.00per pound, do NOT cover their home and do NOT cover the  workers. Just because a piano mover says they are fully insured does not mean you are properly covered; unless there is a “Bill

of Lading” provided with the full declared value (insured value)

    written on it you are exposed and definitely not covered. Using a

    REPUTABLE piano mover is extremely important, because they

    take care of all these things for you. I should also mention that if

    you do not give an insured value to the mover prior to the move,

    you default to the local cartage amounts automatically.

    It is not the mover’s responsibility to make sure you have the right

    amount of insurance, it is YOUR job. I should also note that most

    movers will charge extra for additional insurance. 

    The MOST IMPORTANT reason to use a REPUTABLE piano mover,

    has to do with insurance. These days, insurance has become an

    extremely touchy issue, whether it be car, home or business insurance.

    Most people do not claim insurance with their insurance companies

    anymore due to rising premium rates. This same fact holds true

    with businesses, especially movers and piano movers. They have

    insurance policies to cover worst case scenarios, but like you and

    most businesses, piano movers are self-insuring their smaller day

    to day claims. You want someone who will provide you with a “Bill of

    Lading” (legal document) at the beginning of the move so that you know

    where you stand, and that the piano mover will stand behind any

    damages that they might have incurred and repair those problems.

    Everyone has heard moving company nightmares at one time or another.

    No “Bill of Lading” and No “Reputable Mover” is a recipe for your

own nightmare and can cost you a fortune.  
6. Why is worker injury important to me? After all it is

    the company’s problem. Isn’t it?        
It is extremely important for you to know the answer to this question. 

It is your responsibility to make sur as an individual or business that

the company (a piano mover) you are hiring is covered by Workman’s

Compensation. If you hire a company (a piano mover) that is not

covered you are accepting FULL LIABILITY for any employees who are

injured doing your job, because the local authority will consider them

your employee while they are working for you. This includes medical

bills and lost wages and a possible civil law suit. A piano moving company

covered by Workman’s Compensation will take care of these issues for you. 

Unfortunately, not all companies pay their required premiums and like all

insurance companies, Workman’s Compensation will cut off or not cover

all claims from delinquent companies. Big Al’s Specialty Movers has

Workman’s Compensation and we are always current on all premiums.

To find out more information on our company, you can use the link below.

Washington State Department Labor and Industry
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7. Does moving the piano affect the sound of my piano?        
This is a commonly asked question for which you may hear many

different answers. This question is asked because lots of people say that

their piano sounds different in its new location. The answer to the

question may or may not surprise you. No, not directly. The moving

does NOT affect the sound of the piano directly at all. If it is not the moving

then what makes it sound different here versus there? and why does it not

hold tune or does hold tune better here? The answer lies with the piano

technicians and furniture makers. A piano is made of wood and steel. 

Wood is directly affected by two things: “Temperature” and “Humidity”. 

Steel is directly affected by temperature. When these two elements change,

so does your piano. The more these two elements change, the more

frequently you need to regulate and tune your piano. It does not take a big

change to change your piano, and you should consult your manufacture’s web

site to see what type of environment is best for your piano. I will never forget

a story from one of our customers for whom we were moving a pre-tuned

piano from a piano store to a concert hall on one of the coldest days in winter. 

When we delivered his piano it was cold and obviously out of tune due to the

temperature outside. When the piano warmed up again, it came back into tune. 

Another reason why your piano may sound different is due to size of room and

its acoustics. Carpet absorbs sound, hardwood reflects sound. Sound reinforces

in small spaces, seeming louder, and gets lost in larger spaces, seeming quieter. 
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8. How much does it cost to move a piano?       
Piano moving is billed in one of two ways: Hourly rate, with a minimum

number of hours (usually min. = 2 hours) Flat rate based on following

factors The cost of moving a piano can vary due to the following factors: 

    1. Type of Piano 

    2. Distance being moved 

    3. Difficulty level due to stairs, grass pulls, tight turns, etc. 

    4. Number of people required to move piano due to difficulty level. 

    5. Time restraints placed on move during the daytime of year (season) 

    6. Waiting time that you might incur. 

To request a moving quote, please use our “Piano Move Estimate” forms

on our front page of this website 
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9. How much notice do I need to give the Piano Mover?        
This depends greatly on when you need to have your piano moved and

where you are located. We usually will book on a first come, first serve basis.

If it is an in demand day, you could require over a month’s notice. 

If it is not, your move could be booked as quickly as tomorrow. 

If you need a specific day, I would recommend booking well in advance.

On average in the Greater Portland Vancouver Area, the average booking

time is a couple days to two weeks assuming you have some flexibility as

to which day your piano can be moved.    
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10. What information do I need to have before I call a Piano Mover?               
It constantly amazes me how many people call to get a quote or book

a piano move and do not have any of the important information required

to do so. I am constantly getting people calling me asking for our flat

rate for moving a piano. My first question is what type of piano do you

want moved. They answer a standard size piano. This type of answer

tells the piano mover absolutely nothing. All pianos are standard for

there type and class. The piano movers have only two choices here. 

Push you for the right information or quote you the most expensive rate

he has to cover the worst case scenario. The next question you will be

asked is where it will be moved to and from so we can calculate mileage.

Following this you will than be asked whether there are any stairs involved. 

We are constantly shocked how many people have no clue as to

how many stairs are in or outside their house or just don’t know how to

count them. If you do not want to get surprised by extra stair charges,

make sure you know the answer to this question. Over 80% of people

guess totally wrong and usually have 2 to 6 steps more than what they

remember. The way we count stairs is simple, our lead man will stand at

the bottom of the stairs and counts how many times he has to lift his foot

until he is standing on top of the landing (Yes the landing counts as a step). 

Knowing how we count steps is very important to remove any

misunderstandings. We should also note that we count the stairs outside

the house as well as inside the house. It is possible to have more than

one flight of stairs at one location (one or more flights of stairs outside

and one or more flights of stairs inside). To get an accurate quote, here

is a list of items you should know before you make the phone call. 
• What type of piano is it that you required moved? (Upright or Grand Piano) 

• What size of piano is it? (Upright are measured by height [floor to lid],

   Grand’s are measured by longest length [keyboard to curve in bow end])

• Where is it being picked up from? (Have full address including zip code) 

• Where is it being delivered to? (Have full address including zip code) 

• Are there any stairs that the piano needs to go over? (inside or outside,

   does not matter where) If there are stairs, how many? (Yes, the top

   landing step counts too, after all you had to lift your foot to get over it) Are

   they straight, spiraled, curved? Is there any turns getting on, in the middle

   or getting off the stairs? (To us: A tight turn at the top or bottom of the

   staircase does NOT constitute a straight staircase even if the steps

   themselves are straight. It is considered a flight with a turn) Based on

   what you tell us, we will tell you how many people we believe it will

   take to accomplish your move. Missing important details or difficulties

   or miss-estimating your move based on the information you provided

   could mean your piano move might not happen the day you have it

   booked and could incur more charges. 

• When are you looking to have it moved? 

• Are there any time restraints involved? (Remember that placing a time

   restraint on your move could result in extra charges)

• Inform us of any problems that you can foresee ahead of time. 

   For example, it has to go around my house across the grass.

   (We consider going across grass the same pushing a piano up a flight

   of stairs and charge accordingly for it). “I don’t have my keys to my

   new place until…” (waiting charges could apply), “I have to be out of my

   old place by…” (emergency move charges may apply) Try to have only

   one person responsible for getting a quote and arranging your move.

   The more people involved, the more likely a miscommunication

   could occur in your move.         
  The more information you can provide the more accurate your quote will be.

If you are vague and provide few details, there is a chance that there will be

extra charges. We are very specific about what we charge. Remember we

can only quote you based on the information you provide. We always try to

make the process as painless as possible and it is our goal to have this part

of your move the highlight and most stress-free part of your whole moving

process. The key is providing us with the information we need to help you


Learn More
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Best Moving Company In Dallas, Financial Tips, Local Dallas Moving Company, Moving Tips, Packing instructions for wardrobe boxes., Uncategorized



Moving-Tips-and-HacksLearn More

Moving is one of those things where what you know really does make a difference. There are literally hundreds of tips and moving hacks out there that can make a massive difference in how smoothly things go. Here are fifty of the latest and greatest moving hacks to make your transition an easy one:

50 Moving Tips and Hacks

1,. Make sure you write the room AND the contents on the exterior of the box.

2.  Assign one or two people in the know to give out directions. These are the folks that are directing traffic and making sure boxes go where they are intended.

3. Invest in a secure lock box that you can place all valuables like jewelry and heirlooms. Keep this with you or put away during the move.

4. Make a bag or box of must have items for moving day that is easily identifiable. A clear plastic box works great. This can contain all those things you must have on a regular basis and can’t afford to lose. This is your “Essentials Box!”

5. Use clothing to wrap up and pad your breakables. It cuts down on packing space.


Color Code Your Boxes – Examples Colored Tape and Stickers

6.  When you pack your boxes, use different colors of duct tape to help identify where it goes. (red tape for the master bedroom,black for the bathroom, etc)

7. Clean and scrub the new residence before you ever begin your move. The last thing you will feel like doing after moving is scrubbing the toilet.

8.  Invest in a moving company. Though you save a few bucks using your buddies, you don’t want to be the one to cause damage. Just pay the cash and move it all in one shot.

9. Shoot pictures of your electronics with a digital camera to be sure you hook them up quickly at the new residence.

10. Be packed and ready on moving day if you are packing yourself. Don’t leave things for the last minute when movers show up.


Use Styrofoam Plates Between Breakable Plates and Saran Wrap Utensilis in Trays – Examples Above

11. Packing your kitchen utensils can be a breeze by using saran wrap to cover them as is. Simply leave them in the tray and wrap them up.

12.  Put plates vertical in boxes to help keep them safe. Plenty of padding is needed either way but they are much less likely to break. Another great idea is using styrofoam in between horizontal plates to prevent breakage.

13. Enlist grandparents or someone trustworthy to take the pets and kids for moving day. These things do not mix well with moving at all.

14.  Contact charities in your area well before moving day and have them pick up all donations. It will take that off your plate movers also offer it.

15. Have food and drink prepared for the movers if they are friends and family. People that are well fed and hydrated are much more likely to want to help.


Organize Electric Cords with Toilet Paper Tubes – Example from Storage and Glee

16. Tie all cords that go to one electronic device together so that it can be easily found later. Ziploc bag them together or use toilet paper tubes to seperate them in a box. Be sure to clearly label them as well.

17. Group hanging clothes in sets of three or four and cover them by putting a trash bag over them. Simply poke the hanger top through the center of the closed end and you have a garment bag on the cheap.

18. Leverage Ebay and Craigslist and every other selling possibility as far in advance as possible of the move. Downsizing is your friend.

19. Make a toolbox (you should probably already have one) that is loaded with all the things you need to break things down and build things. This should be in your car at all times for quick retrieval.

20. Use styrofoam plates in between your good plates to pad them neatly and easily.


Fill Nail Holes with Bar Soap – Example from Joyfully Home

21. Use white soap to fill in all the little holes from pictures and so on.

22. Stock up at the ABC store on boxes. The beer and liquor boxes you use will be the best boxes you can find for breakables and knick knacks. Leave the inserts in for the tiny stuff. Also check out these ideas for FREE Boxes.

23. Invest in the moving tools. Get a dolly, hand trucks and anything else you can get your hands on. It is worth the investment.

24. Ball up your socks and use them as padding in the gaps of boxes. This can really help to prevent items from bouncing around inside of the boxes during the move.

25. Begin packing in the kitchen. This is where the really complicated items are and the ones you should knock out first. (Just try packing a mixer)


Screw Bolts in the Same Bag – Example No Four what we may never know

26. Put screws and other small parts that go to something broken down into sandwich bags that are sealable for the trip, or screw them back into place.

27. Use your moving and packing as a chance to purge everything that is no longer fitting or used. Toss it or donate it.

28. Stop grocery shopping a couple weeks out and work to clean out the fridge and cabinets. Starting fresh makes good sense in a new home.

29. Take a box and pack up all of your warranties and paperwork related to items.

30. Take digital photos of all serial numbers and so on for important items that are insured. The last thing you want is to be caught without such information and needing it.


Garbage Bag Clothes Together – Example from Instagram Manda_Gee

31. Use garbage bags for all your clothing. When you put the clothes in boxes, it helps keep them toghether and hang back up easier. I suggest you color code to identify rooms.

32. Defrost your refrigerator well in advance of moving day. If it has ice build up it will leak on your furniture.

33. Have each family member pack for a two week vacation. This will ensure they have what they need to make it while the unpacking process begins.

34. Level one, two or three? Mark your boxes based on how quickly you anticipate needing the items within.

35. Keep in mind that boxes should never exceed forty pounds unless absolutely necessary. This can speed up the moving process considerably and keep from killing your help too.


Stay on Schedule and Organized – FREE Printable Checklist from I Heart Naptime, Moving Binder from Simply Kierste and New Home Binder from Sweet Tea and Saving Grace

36. Write a schedule well in advance of the move that lays out when and how you will pack each room. This will keep you on point and ensure you are not hit with a ton of moving work the day of.

37. Order or make some stickers that have your new address on them and keep them in your wallet or purse. They will be life savers when you have to begin changing your address with businesses and mail.

38. When you arrive in your new home, fully set up a room that you particularly enjoy so you have someplace to relax. Most people like it to be the bedroom so that they are sure of a good night’s sleep.

39. Add handles to as many boxes as possible by poking or cutting them. Be sure the boxes are strong enough cardboard to do so.

40. Use pillows and stuffed animals to pad things and keep them safe from breaking.


Tape Mirrors to Prevent Breaks – Example from Martha Stewart

41. Tape mirrors and other breakables with tape to absorb the shock.

42. Use strong tape to make sure hinged doors and drawers don’t slide out during the move. Some folks take out the drawers and so on as well.

43. Use plastic wrap to close up lightweight drawers and the like.

44. Make a toolbox for nothing but packing materials. This will be very useful when you need to find something quickly. Staying organized makes a big difference.

45. The box within a box method is a good idea for things that are especially breakable. Double box when you are unsure about safety.


Upcycle Toilet Paper Rolls and Egg Cartons for Jewelry – Examples from Authentic Simplicityand Instructables

46. Use empty toilet paper rolls to carry your costume jewelry like bracelets, chains and necklaces. they can be connected around the tubes and kept neat fairly easily. Egg cartons work great too!

47. Save the drawers for lightweight stuff like socks, scarves and things of that nature.

48. Take regular breaks as you move. The last thing you want to do is wear them out and then find yourself alone on moving day.

49. Invest in helpers if you see you are not going to have enough help. The money will be well spent and you will not be nearly as stressed.

50. Celebrate your first day in your home by having a luxurious dinner out! You worked hard so let someone else take care of you for an hour or two!


And after you move, Unpacking the Sega 3D Best to get started

Here To Help Every Step of the way     972-827-8306 Get My Free Quote

Financial Tips, Uncategorized

20 Tips for Saving Money Over The Holidays!

#1. Running up balances on high-interest credit cardsThis habit especially applies for frivolous purchases or shopping sprees around the holiday season when it’s all too easy to get carried away. Credit cards can put you on a hamster wheel where making minimum payments barely nibbles at the balance.
Among the worst offenders are department store credit cards. The Kohl’s credit card carries a 23.99% APR, and the Sears MasterCard has a jaw-dropping, eye-popping 25.24% APR. And this, of course, doesn’t include late fees.

#2. Throwing money away on layaway

While layaway might seem like the sensible way to hold onto an object come holiday time, it’s not always the smart way to net savings. That’s because layaway locks you into a certain price and — if financed by a credit card — additional interest charges.
Also, as the holidays draw closer, stores start rolling out promotions that knock anywhere from 30 to 50 percent off early prices. If you put those items on layaway in September or October, you’re committed to that initial retail price and miss out on the promotions.

#3. Trying to time the stock market

When stocks are on the rise, it’s tempting to think that you’re smart enough to know when to get in and get out to make a killing. But the experts say it’s nearly impossible to do this correctly every single time.
“You have to be right twice — you have to get out at the right time, and then you have to get back in at the right time,” said Ken Weber, president of Weber Asset Management and author of “Dear Investor, What the HELL are You Doing?”
#4. Ignoring refurbished goods

It’s easy to dismiss refurbished electronics as rejects or factory failures. The truth is, many items are returned for the dumbest reasons — such as “I don’t like the color” — and are still subjected to rigorous retesting by manufacturers.
Electronics guru Kyle Wiens at sings the praises of refurbished items. He’s bought refurbished laptops “from my second computer at least, and I think I’ve gone through seven MacBook Pro equivalents over the years.” And the difference in price between refurbished and new usually starts at 15 percent off.

#5. Closing the box on ‘open box’ savings

It’s a great idea to shop online marketplaces such as eBay to see if a vendor has cheaper, brand new “open box” versions of products, which are returned items that are “inspected by the retailer, found to be in working order, and re-sold at discount, rather than returned to the manufacturer,” according to Consumer Reports. The eBay merchant Microresellers — which has a perfect five-star rating on the site — has contributed an informative post on how to find these deals.
“Open Box items offer the best deals on eBay, but they may also present the most risk,” the post noted. “That risk can be minimized with a little common sense and good buying practices.” So, always check the seller’s rating. It’s best to find someone at or near 100 percent positive feedback after thousands of transactions.
#6. Forgetting your company’s employee stock purchase plan

Your company’s Employee Stock Purchase Plan typically works by payroll deduction, with the company converting the money into shares every six months at a 15 percent discount. “If you immediately liquidate those shares every time they’re delivered, it’s like getting a guaranteed 15 percent rate of return,” said Dave Yeske, managing director at the wealth management firm Yeske Buie.
#7. Paying full price for gas

Even though gas prices are somewhat low, you might not be taking advantage of three free ways to drive the bill down further, such as rewards cards. BP has a Driver Rewards loyalty card — not a credit card — that shaves money off the price at the pump, as does Shell with its Fuel Rewards card. And the free GasBuddy app still ranks as the best for finding the lowest gas prices in your driving area.
8. Paying full price for everything

With a plethora of bargain sites ranging from Groupon to DealNews, it’s a wonder why people shop at department stores or malls and pay the manufacturer’s suggested retail price on anything. Take advantage of coupon and deal sites to keep more money in your wallet year-round.

#9. Paying sales tax

Sales tax can get very expensive in places such as Chicago where it’s a hefty 10.25 percent — the highest in the country, reports Fortune. But thankfully, some online vendors don’t charge a dime for sales tax. Although there are multiple bills in the works to “close the loophole that allows consumers to skip out on paying sales tax on [online] purchases,” TIME Money reported that “online shoppers won’t be forced into paying sales tax anytime soon.”

#10. Not having a shopping accountability partner

One big problem with holiday shopping is the lack of accountability when we’re hauling the bags and digging the deals. Spouses can do each other a favor by serving as accountability partners and asking questions such as, “What’s being spent, and spent wisely? How’s the budget holding up?” The idea here is not to play Holiday Police, but to praise your sweetie when goals are met — and gently steer things back when they drift off course.
Read: 40 Ways to Save Money Over the Holidays

#11. Not shopping ahead for 2016

The worst time to buy Halloween paraphernalia is in the month before, and the worst time to buy winter gear is in the winter. So, why not buy your fall clothes for 2016 right now, when they’re “past season” and stores are eager to dump ’em to make way for the high-priced stuff? Buying items one to three seasons behind their price peak guarantees you’ll get a bargain.

#12. Impulse shopping

It’s tempting to spend money on impulse buys when you’re caught up in the passion of sales galore. But you wouldn’t want to come home from the supermarket with a 20-pound cheese wheel you bought on a whim, right? Think long and hard about what you need before you head out and stand by that list.
You should take advantage of sales as they pop up but tally all your projected expenses for the season and set a budget for each category. Holiday fruitcakes, by the way, go under the category “lethal projectiles.”

#13. Not taking advantage of your company’s 401k match

A 2014 analysis of more than 3.5 million employees eligible for defined contribution plans — such as the 401k — by human capital and management consulting services firm Aon Hewitt found that nearly 40 percent of 20- to 29-year-olds and 31 percent of 30- to 39-year-olds save at levels below the company match threshold.
The analysis provides an example of how this move can cost these workers money over time:

“Consider a 25-year-old worker who makes $30,000 annually and works for an employer that provides a typical company match: $1-for-$1 up to 6 percent. If that 25-year-old starts saving the full match amount of 6 percent immediately upon employment and continues to do so until she reaches age 65, she’ll have close to $1 million saved in her 401k.”

And if they don’t? Kiss that cool million goodbye.

#14. Lacking a clearly defined plan

From shopping trips to investment moves, it’s futile to sweep the numbers under the rug and hope for the best. You need a plan to get the most of your money and avoid costly errors.
“Whether it’s for retirement, education, excess wealth or any other portfolio, first determine a specific goal,” said Peter Mallouk, chief investment officer of Creative Planning and author of The New York Times bestseller “The 5 Mistakes Every Investor Makes and How to Avoid Them.” “Everything else flows from that purpose,” he said.

#15. Tapping into your retirement fund for extra money

Dipping into your retirement fund to finance emergencies is one thing — financing a kitchen renovation or taking a cruise with your retirement dough is another. The penalties are stiff coming and going if you take a distribution from your IRA before age 59 1/2. On the front end, you might have to pay a tax penalty of 10 percent with the money also considered taxable income. And on the back end, that money is no longer compounding for you. That $10,000 you took out could have amounted to a six-digit loss over three or more decades.

#16. Spending too much while eating out

Sure, you don’t know how to make Thai food and don’t feel like cooking dinner. But consider how that attitude drains your wallet over time. Say you eat out for lunch five times a week and spend $15 on each meal. That’s $3,900 you spend a year. By eating out for lunch just two times a week instead of five, you save $2,340.
Flickr / Jamie McCaffrey

#17. Not inflating your tires properly

There are many ways to waste money when it comes to your car, and this is one. Keeping your tires properly inflated can improve your gas mileage by up to 3.3 percent, according to Imagine that: A little bit of air keeps gas prices from inflating.

#18. Confusing needs and wants

Whether you’re looking for discretionary cash or more investment funds, it’s too easy in the budgeting process to overlook places where you blow your dough. But, you need to understand what is a need and what is a want. “It’s amazing when I work through the numbers that some people think manicures, landscapers and maids are a need,” said Michael Chadwick, CEO of Chadwick Financial.

#19. Giving to wasteful charities

The winter holidays bring out the best in people, but charities shouldn’t be painted with a broad brush, as some make much better use of your donations than others. A good first step is to check out a non-profit at the Charity Navigator website, which breaks down the particulars for thousands of products.

#20. Gambling

Gambling is an epidemic in this country, and compulsive gambling is a very real disorder affecting an estimated an estimated 2.5 million adults in the U.S., according to Rehab International. But the simple fact of the matter is that casinos and gambling parlors aren’t built because people win more than they lose. In every table game from blackjack to roulette, the odds are against you.

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Core Purpose Of Hiring Any Movers

IMG_4371-8Core Purp0se Of Hiring Any Movers

What does a simple three letter word like why really mean? Why does it matter? Although simple by most accounts asking yourself “why” in business should be the cornerstone for your business’s existence.

RELIABLE MOVERS & MORE® recently re-looked at this question in hopes of refreshing our core purpose. Why do we do what we do? Why is RELIABLE MOVERS & MORE® in business? Several years back, our organization asked this question and came up with our original core purpose: “To be a role model in our industry”. This was fitting at the time. When you think moving, movers or the moving industry, it doesn’t necessarily conger up warm and fuzzy thoughts.  Unfortunately, our industry is rife with unlicensed groups trying to take advantage of others.  So back then, to be a role model was definitely something to shoot for in helping to overcome this perception. Over the past several months, we have re-looked at our brand, our vision and our purpose.  It was evident our purpose was missing the human element of what we do.

We looked at what our staff does every day. We looked at the community outreach that is so important to us, and the locations that give back as part of their daily efforts. We looked at our customers and what they say about our service (yes even when things don’t go as planned), and finally, we looked at where we want to take this brand.  We realize each and every day that we have an opportunity to make someone’s day and get them through a potentially tough situation. Let’s face it, moving is not easy and is typically full of emotions that elevate our stress levels.  Our job at RELIABLE MOVERS & MORE® is to pull up each day to someone’s driveway or business and put a smile on their face, reduce this stress and make the move go as smoothly as possible, no matter what the customer’s situation.

But our brand is much more than just customer service.  The growth we have experienced and the positive service metrics we receive are a testament to that. This reflects our old purpose and through the early years of taking care of customers one move at a time, we lived up to that purpose. As we have evolved and grown and where our company is today, it is much more than just the customer experience. It is also the experience within our organization, the passion of our employees, the sheer number of people whom may have started as a mover or customer service representative that are now business owners as franchisees.

This is energizing and really shapes the passion that exists under this brand!

Through a purpose exercise it hit us smack dab between the eyes. We wake up every day truly to move people forward. Whether it’s our customers, communities, employees or the general public; our driving passion is to leverage our brand to help people progress and this will continue to fuel our drive to grow and continue to build a sustainable brand for future generations to come.

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Nick Foster Ceo

Nick Foster Founder

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Moving Checklist 101

 To get you started on the right foot, we put together a checklist leading up to the day of your move. Follow these tips to ensure your day is predictably pleasant—right down to the final detail.

Two months prior

• Minimize what move with you. Go through every room of your house and decide what stays and what goes. Don’t forget the basement, attic and garage. This may seem like a lot of work but, trust me, come moving day, you’ll be glad you did.

• Take inventory. Take stock of every valuable item you plan to move. Include photos, along with written descriptions.

• Organize records. If you have kids, make arrangements with their current schools to have their records transferred. Secure copies of everyone’s medical records, as well as recommendations of doctors in your new community.

• Talk to your kids. Moving can be an uncertain time for children, especially if they are leaving the only home they know. Early on, begin including your kids in moving discussions, and give them an idea of what will happen on moving day. Be certain they know they can talk to you about any fears they might have.

Five to six weeks prior

• Research. It’s time to decide if you are going to move yourself or hire a moving company. You don’t need to book anything yet, but it’s good to plan accordingly. When interviewing moving companies, make sure to ask if they are insured and bonded, if they hire full and part-time movers rather than temporary movers, and how they charge. Click here to get your free moving quote.

• Finalize real estate or rental needs.  Renters, communicate with your landlord about the upcoming move. See if they have any moving-out guidelines or polices you’ll need to follow.

• Prepare to pack. Order boxes and other packing supplies. Don’t forget to buy plenty of bubble wrap/shrink wrap, pads and tape! Look into wardrobe and other specialty boxes as they make packing much easier. Whatever you do, don’t use food or supermarket boxes.  You never know what little critter is hiding inside or if the box will be strong enough to support your possessions.

One month prior

• Begin packing. Pack up items you don’t frequently use, and clearly label each box with the name of the room for which it is assigned.

• Pick your moving partner. Now that you’ve done your research and thought it over, decide how you want to move. If you decide to use a moving company, make your reservations plenty of time in advance to secure your ideal day and time. Many moving companies are filling up reservations faster than ever!

• Notify utility companies. No one wants to pay for utilities they’re not using. Notify each company of the day you are moving, and arrange for your new accounts to be started when you arrive at your new house.

• Change your address. To change your address, either go to your local post office or visit and fill out a change of address form.

• Notify important parties. Contact your bank, insurance provider employer, and magazines or newspapers you subscribe to.  Celebrate your milestone with creative moving announcements featuring your new address, and mail them to all of your friends and family.

One week prior

• Finish packing. Remember to pack important and sentimental items separately so they are easily accessible. Plan on keeping this box with you personally when you move.

• Confirm move. Confirm the time the movers will arrive as well as other specifics and make sure you have prepared exact, written directions to your new home for the movers. Also include your cell phone number and any specific details (if you live in a gated community, the code).

• Clean. The last thing you want to do before you move is clean everything in your house. In order to save you time, begin cleaning rooms you don’t use as often. It’s also a good idea to make a “survival closet” containing things for the last cleanup before you move out. For example a broom, dust cloth, dust pan, mop, etc. Renting a steamer is a good idea also, if renting, you don’t want to get stuck with a fee.

Day of the move

Pack your suitcase. I highly recommend packing a suitcase with essential items and clothes for the day/night. You will be exhausted after the move, and when it’s time to get ready for bed, you don’t want to have to dig through multiple boxes.

• Eat a healthy breakfast. It’s going to be a long day so make sure you eat a nutrient-rich breakfast to help you stay energized during a rigorous day.

• Initial walk-through. Take the time for an initial walk-through with the movers. Did they do a thorough inventory of your items and know what will be moved?

• Lock up. Walk through the entire house and make sure everything is out. Also check to make sure the windows are locked, the lights are off, and the doors are closed and locked.

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