Moving - Packing Tips for Large, Small and Awkward Items

Most movers are so happy to finally arrive in their new home that they are able to overlook chipped dinner plates or a scratch on the dining room table. But there's no reason your household goods should become casualties of the move. With a little care and planning your household goods will both arrive in mint condition.

Following are packing tips to consider when packing large items, packing small items and packing awkward items.

Packing Large Items:

• Tie bed frames together with tape or rope then label the pieces so they are easy to reassemble.

• Fill drawers with clothes or fragile, well-wrapped items. Cover them with a blanket or with furniture pads and rope securely.

• Remove table legs, pad and tie together. Put nuts and bolts in a bag and tape them underneath the tabletop.

• Empty, defrost and drain the refrigerator, freezer and dishwasher. Clean the interiors and put accessories in bags. Stuff towels between washer sides to prevent rotating and tape down any moveable parts. Cover with blankets and tie.

• Use the original packaging for computers, televisions and electronics, or buy electronic-specific boxes.

Packing Small Items:

• Put your microwave, VCR and other small appliances into boxes and cushion with wadded paper.

• Pack books flat in small cartons, alternating bindings. Try to keep each box under 30 lbs.

• Pack hanging items, such as clothing and drapes, in wardrobe boxes. Leave small items in drawers.

• Wrap fragile collectibles in bubble wrap and tape them securely.

• Pack CDs upright and cushion with them newspaper.

• Stack pots and pans and cushion with them paper.

• Place any kitchen items you will need immediately in a separate box and label appropriately so you know which one to unpack first.

• Wrap dishes individually in bubble wrap and never stack them flat. Pack plates on saucers on edges and place cups and bowls around them.

Packing Awkward Items:

• Wrap chair arms and legs with bubble wrap. Place slipcovers on chairs or buy chair bags for protection.

• Loosen the handlebars from bicycles and turn them sideways. Cover chains and pedals to keep grease off other items.

• Wrap small items, such as mirrors and artwork, in newsprint and pack in mirror boxes. Cover larger pieces with cardboard, tape them securely and stand them along the sides of the truck or inside wardrobe boxes.

• Disassemble heavy lawn furniture. Put nuts and bolts in a bag and tie together.

• Roll up rugs and secure with rope or tape.

• Place plants in plastic bags with air holes then in boxes. Water them before you leave.

• Wrap sharp edges of tools and use plenty of cushioning to prevent injury. Tape long-handled tools together and place smaller ones in boxes.

• Empty gasoline from all tanks of lawnmowers and edgers and check for oil leaks.

• Use medium-sized boxes for garage and attic items, such as spray paints, brushes and car waxes. Throw away oily rags or anything combustible.

• Keep pets in a pet carrier up front with you. Ask your vet for suggestions on how to make their move less traumatic.

Use these packing tips for packing large items, packing small items and packing awkward items.

Hilary Basile is a writer for MyGuidesUSA.com. At MyGuidesUSA.com (http://www.myguidesusa.com), you will find valuable tips and resources for handling lifes major events. Whether youre planning a wedding, buying your first home, anxiously awaiting the birth of a child, contending with a divorce, searching for a new job, or planning for your retirement, youll find answers to your questions at MyGuidesUSA.com Find moving and relocation tips and resources at http://www.myguidesusa.com/movingandrelocation

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Reverse Mortgage Myths

Reverse Mortgage Myths

With all of the hoopla these days about the Reverse Mortgage for Senior program, it is important that we take a hard look at some of the myths that people are hearing about.

1. The Reverse Mortgage lender will own your home - FALSE!

You and your family or your estate continues to retain ownership of your home at all time that the reverse mortgage is in place. The Lender does not take control of the title. The lender's interest is limited to the outstanding loan balance, just like a traditional mortgage.

2. Reverse Mortgage lenders just want to sell your house - FALSE!

Lenders earn their income by helping you keep your home and meet whatever financial needs you may have in order to help you maintain financial independence. Reverse Mortgage borrowers may remain in the home for as long as they wish. However, should they decide to sell the home for any reason, the loan would then become due and payable.

3. Your heirs will be saddled with the Reverse Mortgage loan - FALSE! The Reverse Mortgage is a non-recourse loan. This means that the lender can only derive repayment of the loan from the proceeds of the sale of the property. When you no longer live in the home on a permanent basis, the home must be sold and the reverse mortgage repaid. If you are deceased, the remaining equity would be payable to your estate or heirs.

4. To get a Reverse Mortgage, you need a certain level of income, good credit, or good health to qualify - FALSE!

A Reverse Mortgage has no income, credit, or health requirements. In fact, the terms of a reverse mortgage are dependent on your age, the location of your home and the amount of equity that you have in your home. You can even qualify if you are in bankruptcy action (although this may take a little longer!)

5. You have to make monthly payments on your Reverse Mortgage - FALSE!

In fact, with a reverse mortgage, the only monthly payments that are possible are payments TO YOU! Payment of taxes, insurance and general upkeep of the home are the only responsibilities of the homeowner.

6. To qualify for a Reverse Mortgage Your home must be debt free - FALSE!

Many people getting a reverse mortgage have a traditional mortgage or other debt instrument on your home. The mortgage or debt however, must be paid off first with the proceeds of the reverse mortgage. After this is paid, the proceeds of the reverse mortgage are distributed to you either a lump sum, by regular monthly payments, or though a Line of Credit.

7. With a Reverse Mortgage, Only the "cash poor" or desperate senior citizens can benefit - FALSE!

Everybody has varying levels of cash needs from time to time. An unexpected medical bill or other family catastrophe can be handled gracefully by many with a reverse mortgage. Others like the idea of using the equity in their home for retirement income while still living there. Many folks just like the feeling of financial security they get by having funds readily available. While each of these situations is different, they can all be handled through a reverse mortgage. A Reverse Mortgage can also be an excellent financial or estate planning tool!

While Reverse Mortgages are not for all seniors, they are certainly worth investigating, especially before you need them. When searching for information on Reverse Mortgages, please remember the Law of the Barbershop Dont ask the barber if you need a haircut or you are sure to be clipped!

If you would check with the AARP in your area, you will likely find counseling and senior citizen classes on the subject of Reverse Mortgages. The are usually free and provide keen insight into this senior only program. Youll be glad you did.

Resources:Don Seibert is a retired business executive who, as an Expert Author, writes timely articles on many issues concerning retirement. He has extensive experience in residential mortgages and is the host of http://www.retiree-finance.com Visit the site for a complete discussion of Reverse Mortgages

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