zcaveman
09-07-2007, 09:31 PM
Since I have moved here I have compiled a list of things to keep in mind when moving to the Villages. I hope these help and I am sure that others that have moved can add and/or rebut my entries.
Caveat: These are strictly my thoughts and experiences and can be considered, rejected, or talked to with others that moved to the Villages. These are just to help you when you move. They are in no special order. I have sent these to several friends that have moved to the Villages and they have been helpful. I do not personally endorse any companies that I mention in this documentation. How is that for taking the fifth!
1. Telephone/cable Service. Before you go back home, find out who your telephone carrier is so that you can order your telephone prior to actually moving down. That way you can set up an appointment with them to have the telephone installed when you get here. We did not order until we were here and it took about a week to get the telephone installed. Do the same with the cable service.
2. Electric and Gas. When you move to Florida, they are going to want a deposit. You can call your local gas and electric companies and get a form that says that you were a good payer for the past year. You can get a form from your new companies (TECO/SECO) and attach that form and send it in and get your deposit back right away. Apparently I got the waiver forms from the electric and gas company early as I have notations that I sent in the forms in June.
3. Papers. Be sure to bring your birth certificates and other ID with you. You will need them to get Florida driver's licenses. You should also bring your car titles. If you are still buying your car, bring the name and address of the car loan place and the account number. You will have to have proof of Florida car insurance before you can change titles and get tags. I stayed with my original company but they had to write me a new policy and cancel the New Jersey one. Of course you will also need home insurance on the new home and you cannot drop the old home until it is sold. I am sure you know that. This year we went with the Villages Insurance on Main Street. It was cheaper for both the home and auto than Liberty Mutual. They also cover the golf cart under the home insurance policy.
4. State Taxes. If you move from a state with state income taxes, you will have to file a resident and non-resident return for the year you earned income in both states. You will need to keep track on what your income was in your home state and out of your home state and what interest you earned on accounts both in and out of your home state. Of course, you should contact your home state and get the proper tax infromation so you do everything properly. TurboTax handles both resident and non-resident returns.
5. Bank. When we were down here to buy home, we also started a checking and savings account so that we could start funneling money to this account, get checks with our names and new address. This is important as some places will not take starter checks. We also started with a high number -300- so that it looked like we had been here awhile. For some reason the vendors like the higher check numbers. When we got here we had already changed the direct deposit for any accounts I had in my home state into the account down here. We transferred all of our savings to our checking account in our home state and then wrote a check down here to move the money to our Florida bank. This was a lot cheaper than a wire transfer. We closed the account in our home state after we were sure there were no more outstanding checks. We used the telephone system to check on the account up there. Don't forget to change all of the EFT accounts that you already have set up with your financial institutions. Don't forget to empty and cancel your safety deposit boxes.
6. Health Insurance. You should check to find out if you will be covered by your current carrier in this area in Florida and what you have to do to inform them of the change.
7. Change of Address. Don't forget to go to the post office and get the change of address kit. You will also have to figure out how to change all of your subscriptions when you move.
8. EMAIL. As long as you stay with your current ISP you should have no problem with EMAIL and those places where they use your Email address for a sign-on. I had to switch ISPs and it was really a pain. If you do have to change your ISP, don't cancel your old ISP before you switch any Internet accounts that use your email as the USERID as they won't swap you if you try to change it with your new ID.
9. Current Services. Make arrangements with your cable, telephone, heating oil, etc companies to cut off these services the day you leave the home state. Don't worry about the electric, as the new owner will get it switched to their name when they close.
10. Money. Be prepared to have your checkbook ready. You will be hit with the lawn mowing services, insect and pest control services, water softener, landscaping, awnings, lanai vinyl windows, not to mentioned food, kitchen stuff, cleaning and lawn stuff, ladders, etc.
11. After you put in the down payment, you will get a copy of the floor plan. This plan is to scale and can be used to see where the furniture will fit, etc.
12. We had the backsplash behind the kitchen sink and the stove tiled after the fact. I am not sure if the Villages will do it while the house is being built but it makes the cleaning behind the stove and sink much easier. We used Handy Andy in the Villages. He also installed the shelves in the garage and over the washer/dryer for us.
13. Wills. You might want to check with a lawyer once you settle in to verify that your wills are valid in the state of Florida. I think that the check is free.
14. You will be told this several times but before you hire some one to do any work for you, you might want to check with the Villages to verify that they are a reputable company or ask your neighbors to see who they used for a particular service.
15. After you move in, you will start getting requests to come to a meeting (includes lunch or dinner) to hear spiels about taxes, wills, trusts, Florida Intangible taxes, etc. It is well worth it to attend at least one - maybe two. It is free and there is no obligation. I did actually go and see one for a free financial check up. They tried to sell me some annuities but I said I was not interested and they did not seem to care. They did give me some insights on my retirement investments and well-being and pointed out a lack of sufficient Federal withholding from my job separation checks.
16. We have our banking accounts with The Citizens First Bank. They have on-line access and their debit card is free at all of the ATMs in the Villages. They also have safety deposit boxes.
17. Florida Homestead Exemption. If this is your primarty home, you will get a $25,000 homestead exemption when you reside in your new home as of January 1st of that year. Be sure to file for your homestead exemption if you are a permanent resident.
Remember that these are strictly my thoughts and should only be considered or rejected in light of what you want or need and can do on your own.
I hope some of this helps or at least gives you something to think about. If it is too much I am sorry. Once I get started I can't stop.
Caveat: These are strictly my thoughts and experiences and can be considered, rejected, or talked to with others that moved to the Villages. These are just to help you when you move. They are in no special order. I have sent these to several friends that have moved to the Villages and they have been helpful. I do not personally endorse any companies that I mention in this documentation. How is that for taking the fifth!
1. Telephone/cable Service. Before you go back home, find out who your telephone carrier is so that you can order your telephone prior to actually moving down. That way you can set up an appointment with them to have the telephone installed when you get here. We did not order until we were here and it took about a week to get the telephone installed. Do the same with the cable service.
2. Electric and Gas. When you move to Florida, they are going to want a deposit. You can call your local gas and electric companies and get a form that says that you were a good payer for the past year. You can get a form from your new companies (TECO/SECO) and attach that form and send it in and get your deposit back right away. Apparently I got the waiver forms from the electric and gas company early as I have notations that I sent in the forms in June.
3. Papers. Be sure to bring your birth certificates and other ID with you. You will need them to get Florida driver's licenses. You should also bring your car titles. If you are still buying your car, bring the name and address of the car loan place and the account number. You will have to have proof of Florida car insurance before you can change titles and get tags. I stayed with my original company but they had to write me a new policy and cancel the New Jersey one. Of course you will also need home insurance on the new home and you cannot drop the old home until it is sold. I am sure you know that. This year we went with the Villages Insurance on Main Street. It was cheaper for both the home and auto than Liberty Mutual. They also cover the golf cart under the home insurance policy.
4. State Taxes. If you move from a state with state income taxes, you will have to file a resident and non-resident return for the year you earned income in both states. You will need to keep track on what your income was in your home state and out of your home state and what interest you earned on accounts both in and out of your home state. Of course, you should contact your home state and get the proper tax infromation so you do everything properly. TurboTax handles both resident and non-resident returns.
5. Bank. When we were down here to buy home, we also started a checking and savings account so that we could start funneling money to this account, get checks with our names and new address. This is important as some places will not take starter checks. We also started with a high number -300- so that it looked like we had been here awhile. For some reason the vendors like the higher check numbers. When we got here we had already changed the direct deposit for any accounts I had in my home state into the account down here. We transferred all of our savings to our checking account in our home state and then wrote a check down here to move the money to our Florida bank. This was a lot cheaper than a wire transfer. We closed the account in our home state after we were sure there were no more outstanding checks. We used the telephone system to check on the account up there. Don't forget to change all of the EFT accounts that you already have set up with your financial institutions. Don't forget to empty and cancel your safety deposit boxes.
6. Health Insurance. You should check to find out if you will be covered by your current carrier in this area in Florida and what you have to do to inform them of the change.
7. Change of Address. Don't forget to go to the post office and get the change of address kit. You will also have to figure out how to change all of your subscriptions when you move.
8. EMAIL. As long as you stay with your current ISP you should have no problem with EMAIL and those places where they use your Email address for a sign-on. I had to switch ISPs and it was really a pain. If you do have to change your ISP, don't cancel your old ISP before you switch any Internet accounts that use your email as the USERID as they won't swap you if you try to change it with your new ID.
9. Current Services. Make arrangements with your cable, telephone, heating oil, etc companies to cut off these services the day you leave the home state. Don't worry about the electric, as the new owner will get it switched to their name when they close.
10. Money. Be prepared to have your checkbook ready. You will be hit with the lawn mowing services, insect and pest control services, water softener, landscaping, awnings, lanai vinyl windows, not to mentioned food, kitchen stuff, cleaning and lawn stuff, ladders, etc.
11. After you put in the down payment, you will get a copy of the floor plan. This plan is to scale and can be used to see where the furniture will fit, etc.
12. We had the backsplash behind the kitchen sink and the stove tiled after the fact. I am not sure if the Villages will do it while the house is being built but it makes the cleaning behind the stove and sink much easier. We used Handy Andy in the Villages. He also installed the shelves in the garage and over the washer/dryer for us.
13. Wills. You might want to check with a lawyer once you settle in to verify that your wills are valid in the state of Florida. I think that the check is free.
14. You will be told this several times but before you hire some one to do any work for you, you might want to check with the Villages to verify that they are a reputable company or ask your neighbors to see who they used for a particular service.
15. After you move in, you will start getting requests to come to a meeting (includes lunch or dinner) to hear spiels about taxes, wills, trusts, Florida Intangible taxes, etc. It is well worth it to attend at least one - maybe two. It is free and there is no obligation. I did actually go and see one for a free financial check up. They tried to sell me some annuities but I said I was not interested and they did not seem to care. They did give me some insights on my retirement investments and well-being and pointed out a lack of sufficient Federal withholding from my job separation checks.
16. We have our banking accounts with The Citizens First Bank. They have on-line access and their debit card is free at all of the ATMs in the Villages. They also have safety deposit boxes.
17. Florida Homestead Exemption. If this is your primarty home, you will get a $25,000 homestead exemption when you reside in your new home as of January 1st of that year. Be sure to file for your homestead exemption if you are a permanent resident.
Remember that these are strictly my thoughts and should only be considered or rejected in light of what you want or need and can do on your own.
I hope some of this helps or at least gives you something to think about. If it is too much I am sorry. Once I get started I can't stop.