What happens when your valuables are on the move? Tracking your shipment

Written by trishfms on . Posted in Awareness, Be Prepared, central florida moving, Cross Country Moving Company, move, mover, moving, moving advise, moving company, Moving Estimate, moving services, moving tips, moving to new state, nation wide mover, national moving company, north american van lines, professional mover, professional movers, professional moving company

labeling When it comes to keeping in touch during the move, Florida Moving Systems, Inc uses leading-edge GPS-based shipment monitoring to track and update the progress of your move.  From traffic conditions to special load instructions, it’s mission control for your move.

Tracking your shipment is easy and quick:

  • Visit:  www.northamerican.com
  • Click on Track Your Shipment under Household Move
  • Please supply your Contract Number and the first three letters of your last name
You’ll get immediate access to your shipment’s status.  Ask your Relocation Consultant for more details.

For a FREE QUOTE, GO HERE

A Few Reminders When Moving With A Pet

Written by trishfms on . Posted in Awareness, Be Prepared, central florida moving, Cross Country Moving Company, moving advise, north american van lines, packing advise, pets, professional mover

Before moving your pet, here are some important reminders:
  • Schedule an examination by a veterinarian
  • Your veterinarian may suggest a tranquilizer or other precautionary measure
  • Obtain copies of your pet’s health and vaccination records and update identification tags
moving-with-pets-fl-moveIf you will travel by air, contact the airline well in advance to check regulations and services and to make reservations.  Book a weekday flight when there tends to be more cargo room.  Also, try to book a direct flight to reduce your pet’s confinement time.

Select a portable air-transport kennel that’s large enough for your pet to stand and move around.  Most airlines sell or rent these special carriers.  let your pet get accustomed to the kennel in advance of the trip.  mark the container “Live Animal”, and affix a label that includes your pet’s name, new address, phone number and special handling instructions.

If you will travel by car, acquaint your pet with car travel by taking it for short drives around the neighborhood. moving-with-pets-car-fl-move Don’t feed your pet for several hours prior to your trip.  Do, however, pack a canteen of fresh, cool water and stop frequently for drinks and walks.

If you stay overnight in a hotel, determine ahead of time if pets are welcome.  Finally (and this is important for ALL pets at all times) Never leave an animal unattended in a car.

Even in moderately warm weather, the temperature inside a car can reach 120 degrees in just a few minutes.  Conversely, in winter months, the temperature can drop will below freezing before you realize it.

Birds and small pets such as hamsters can travel by car in their cages, provided the cage is stable, properly ventilated, and protected from drafts.  Covering the cage may help to keep your pet calm.

Happy Moving!!!

What To Do When You Win The Millions… Or Billions

Written by trishfms on . Posted in Awareness, Be Prepared, Estate Planning, healthy living, home owner, logistics, Lottery, moving advise, professional moving company, Retirement

With all the Lottery Hype we searched the web and found 10 things to do if you win big!!  Thanks to Forbes Magazine for this priceless information!! winning-the-lottery-fl-move
  1. Remain anonymous if your state rules permit it. Once people know you’re suddenly wealthy, you’ll be badgered by requests for handouts from everyone from charities to long-lost friends and relatives–not to mention all the financial “experts” who will be vying for your business. So check state rules to see whether you can dodge them all by remaining anonymous.
Although Mega Millions is a national lottery, rules on winner publicity vary by state. In New York, for example, winners’ names are a public record. Elsewhere it may be possible to maintain your anonymity by setting up a trust or limited liability company to receive the winnings

Depending on where you bought the ticket, prize winners have between 180 days and one year from the date of the drawing to claim their prize. So find out what the state rules are and plot a course.

FLORIDA LOTTERY LAW:  http://www.flalottery.com/faq

  1. See a tax pro before you cash the ticket. You have the choice between taking the prize money all at once or having it paid out over in 30 installments over 29 yearsin the form of an annuity. With a lump sum payment, you must immediately pay tax on the entire amount. With an annuity, you are taxed only as you receive the payments. People who have trouble controlling their spending might prefer the discipline of receiving the money as an annuity. But this payout form has other drawbacks, You will want to compare the effective yield of the annuity with what you could earn by taking the money as a lump sum, paying the taxes and investing the proceeds.
Another issue to consider is whether taking an annuity will leave your family without the cash they need to pay estate tax if you die before the 30-year period is up, Kirsh says. In such situations people typically buy life insurance policies to cover the estate tax bill.

You have 60 days from the time you claim your lottery prize to weigh the pros and cons. During this time, ask advisors to crunch the numbers and help you decide which type of payment suits you best.

  1. Avoid sudden lifestyle changes. For the first six months after you win the lottery, don’t do anything drastic, like quitting your job, buying a home in Europe, trading up for a luxury car or building a collection of Birkin handbags. Meanwhile, set aside a fixed amount for splurgesit’s only natural to want to celebrate your windfall.
Save the big purchases for later. For example, you could rent a house in the neighborhood where you were thinking of moving, before you make any commitments. If you need a new car, buy a budget model for now.

  1. Pay off all your debts.  Whether it is credit card debt or a mortgage, your rate of return equals the interest rate on the loan. With today’s abysmal yields on relatively secure investments like CDs and Treasury’s, that’s especially true. When you’ve paid down a dollar of debt, that’s a dollar you no longer owe. When you invest a dollar, you can’t be sure whether it will grow or shrink.
  2. Assemble a team of legal and financial advisers. In situations like this it’s very hard to know “who’s trying to help you and who’s trying to use you,” Rather than signing on to a group of advisors that someone else has put together, handpicking your own lawyer, accountant and investment advisor, and requiring them to work together.
Carefully vet each advisor before discussing your situation. Check broker records at the Financial Industry Regulatory Authority. For attorneys and insurance agents, see whether there have been any complaints filed with state disciplinary authorities.

If you live in a small community and don’t want lawyers there to know your business, seek out a professional in the nearest large city. Names can be found on martindale.com, the nationwide lawyers’ directory that you can search by location and area of practice, and on the Web site of the American College of Trust and Estate Counsel, a group of trust and estate lawyers.

In effect, the team you put together will function as your board of directors.  You can start by having a fee-only advisor put together a long-term financial plan and running it by the group for comment. Once you’ve decided on a plan, they can provide checks and balances on each other. You can ask one of them to serve as quarterback, coordinating the group effort. That person can also play the “bad guy,” declining requests from people or organizations for gifts that you don’t want to make.

  1. Invest prudently. Put the money in safe, short-term investments and not even touching it for the first six months. Then ask your advisors is to put together an investment portfolio divided half-and-half between equities (such as stocks) and fixed income (like bonds). Don’t fall for investments that you don’t understand or that sound too good to be true.
  2. Live within a budget. Especially if you’re not accustomed to having a lot of money, it may take some discipline to preserve your winnings and not go on a wild spending spree. One way to restrain yourself is to only spend income–not principal.
  3. Take steps to protect assets. People who are worth a lot of money need to guard against losing assets to creditors. They include everyone from disgruntled spouses and ex-spouses to people who win lawsuits against you. If people think you have deep pockets they may look for reasons to sue.
The best defense is to erect a variety of roadblocks that make it difficult, if not impossible, for creditors to reach your money and property. These asset protection strategies, as they are called, can range from relying on state-law exemptions to creating multiple barriers through the use of trusts and family limited partnerships or limited liability companies. It may be possible to rely on a variety of strategies, either separately or in combination with each other.

  1. Plan charitable gifts. You can offset the additional income from your lottery winnings with a charitable deduction. But you must make your donation by Dec. 31.
For gifts to a public charity, donors are entitled to an income tax deduction for up to 50% of adjusted gross income (AGI) for cash contributions and up to 30% for donations of other appreciated assets held more than 12 months.

If you are unable to decide between now and year-end which charities to support, it may be worth considering a donor-advised fund. With a donor-advised fund, you can make a charitable donation this year and claim a federal tax deduction for your irrevocable contribution but postpone recommendations about which charities should receive grants from the account until some time in the future.

NOTE:  If you don’t want to be badgered by requests, see, “How To Stay Anonymous When You Give To Charity.”

  1. Review your estate plan. If your winnings have made you suddenly wealthy, this may be the first time that you need to plan for estate tax. The 2012 tax law offers more flexibility than ever before. Each person has a $5.43million limit on tax-free transfers, which can be applied during life, when you die or some combination of the two. So if you want to share some of your largess with family and friends, this is the ideal time to do that.
Source:  Forbes  

October is Breast Cancer Awareness Month

Written by trishfms on . Posted in Awareness, Be Prepared, healthy eating, healthy living, Insurance

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  BREAST CANCER AWARENESS:

October is Breast Cancer Awareness Month, which is an annual campaign to increase awareness of the disease. While most people are aware of breast cancer, many forget to take the steps to have a plan to detect the disease in its early stages and encourage others to do the same. We have made a lot of progress but still have a long way to go.  
 

Every person should know the symptoms and signs of breast cancer, and any time an abnormality is discovered, it should be investigated by a healthcare professional.

Most people who have breast cancer symptoms and signs will initially notice only one or two, and the presence of these symptoms and signs do not automatically mean that you have breast cancer.
 

By performing monthly breast self-exams, you will be able to more easily identify any changes in your breast.  Be sure to talk to your healthcare professional if you notice anything unusual.  (If you are not sure how to conduct a breast self-exam: GO HERE)
 

The best way to fight this is early detection!!

DID YOU KNOW:  MEN GET BREAST CANCER TOO!!! 

BCAM-newsletter-2This year, an estimated 2,360 men in the United States will be diagnosed with breast cancer. An estimated 430 men will die of breast cancer this year.

The five-year survival rate is the percentage of people who survive at least five years after the cancer is detected, excluding those who die from other diseases.
Breast cancer in men and women has similar survival rates. For the earliest stages of breast cancer, stages 0 and I, the five-year survival rate is 99%. Men with breast cancer that has spread to the local lymph nodes have an 84% five-year survival rate, and men with cancer that has spread to other parts of the body have a 24% five-year survival rate. Even if the cancer is found at a later stage, new treatments help many people with breast cancer maintain their quality of life for some period of time.

Age. The average age for men to be diagnosed with breast cancer is 65.
 

Regular self-examinations, clinical breast examinations performed by a doctor or other health care professional, and mammography are important ways to find breast cancer early, when it is easier to treat. Men should be familiar with the feel of their breast tissue, so they can talk with their doctor if they notice any lump or change. During an annual physical examination, your doctor will perform a clinical examination of the breast. Mammograms are not routinely offered to men and may be difficult to perform because of the small amount of breast tissue. A doctor may recommend regular mammography for men with a strong family history of breast cancer or for those with a genetic mutation that increases the risk of developing the disease.
 

Men with breast cancer may experience the following symptoms. Sometimes, men with breast cancer do not show any of these symptoms or signs. Or, these symptoms may be caused by a medical condition that is not cancer.

  • A lump or swelling in the breast tissue. Because men generally have small amounts of breast tissue, it is easier to feel small lumps.
  • Any new irregularity on the skin or nipple, such as redness, scaliness, puckering, or a discharge from the nipple