By: Dale Beaumont, 1/05/2007
The following six (6) points are the author's perspective of the contributor's views on the subject of 'The Psychology of Negotiation'.
1. Understand where the money is made
All successful property investors know that the money is made when they 'buy' and not when they sell. Buying at wholesale or 15-20% below market value is like adding rocket fuel to your portfolio's growth. By buying below market value you instantly build significant equity in your investment. You can use this equity to move onto your next property faster, or perhaps to fund renovations which in turn increases the property's value even further (more equity) and enables you to receive a higher rental return (more income).
2. Know that the deal you do is the best deal for them
Remember that if you come to a deal with the vendor, it was the best deal they had on the table. So by doing a deal with them, you have in fact helped the vendor take the property off their hands and you've paid more than what others could afford to pay. By understanding this you will make a small yet significant shift in your psychology when negotiating on a property. By having the mindset that you are there to help the vendor out of their predicament you'll be less inclined to become emotionally involved in the negotiation.
3. Get to know the vendor's needs
Although it is true that in negotiation 'information is power', it is information about the vendor's needs that will help you to reach the best deal for both parties. If you can find out the real reason why the vendor is selling, you'll know how motivated they'll be to accept your low offer. What's more, by asking questions, you'll be in a better position to offer more favourable terms and conditions. So show interest and ask questions!
4. Don't act too keenly on a property
When talking on the phone or while doing a house inspection, a trained real estate agent will ask pointed questions of you to extract information which may later be used against you to lever up the price. When this happens stay neutral and even a little nonchalant. But be careful to not come across as disinterested, otherwise you won't be seen as a serious contender and you'll be left out of the communication loop. So stay relaxed and cool but with your eye on the ball.
5. Never lose your cool
Keep in mind that you'll need to be communicating with the agent and vendor over the entire length of the contract, which could be up to 90 days or more. So it's imperative you stay consistent and refrain yourself from sudden outbursts if something doesn't go right. Remember if the vendor believes they have been taken advantage of or felt offended, even the smallest request by you will be seen as an opportunity to get even. It's called human nature!
6. Be prepared to walk away
Sophisticated investors understand the deal of a lifetime comes around once a week, so don't be disheartened if one slips through your fingers. Take some time to sit and think about what happened and what you can learn from the experience. Then get on your feet and keep moving, because another deal may just be waiting right around the corner.
Tuesday, May 19, 2009
Monday, March 16, 2009
Buying a House
HOME BUYERS GUIDE
With Queensland house prices still holding (the lower end being driven by first home buyers) compared with the other States, and an annual net migration of 80,000 pa inwards despite stagnant national growth, it shows the Sunshine State is still the place to be. Unfortunately this means you’ll pay a premium, but at least you’ll be confident of future capital growth. An average house block in Stanthorpe is now $50,000, but nearby country ones are cheaper. In Warwick the developers are a bit quicker off the mark and several subdivisions have commenced. There is to be a 200 bed retirement village built in Warwick as well and with local retirees taking up some places there should be a wider choice for homebuyers.
Know What You Want
• Spend some time researching areas where you are interested in living.
• Determine how far away from your work, schools, family and friends you will be if you decide to live there.
• It's also worthwhile checking out local facilities including shopping centres, restaurants, entertainment complexes, sports and parks and gardens.
• Hospitals., medical services, public transport depending on your age.
When you've decided where you want to live, think about what you need and want in a home.
• What size and style home do you want to buy? Do you need room to grow? Would you like a garage, a big backyard, afford a swimming pool?
• Is the area suited to your lifestyle and entertainment needs, will these needs change? Houses tend to be held for 7 years.
Know What You Can Afford?
You can get a good idea how much you can afford to spend on a new home using the following equation:
The Amount You Have Saved for a Deposit PLUS 3 x Your Gross Salary (How Much You Can Borrow) PLUS
How Much You Can Sell Your Current Home For MINUS The Mortgage on Your Current Home MINUS
Transaction Costs MINUS Personal Loans/Cards EQUALS How Much You Can Afford to Spend!
Allow for legals and inspections (say $1,000) and stamp duty and any loan application fees PLUS mortgage insurance and removal expense.
Don’t forget:
1. interest rates go up and down so allow a good margin
2. education and health expenses are on the rise.
3. many financial “wizards” are forecasting a period of high inflation.
4. check your job security.
5. rentals are rising.
Searching for a Home
There are plenty of useful resources to check out when you're looking to buy a home. Have a browse through:
- Internet Property Sites
- Local, State and National Newspapers
- Real Estate Publications
Its also worthwhile popping in for a chat with Real Estate Agents in the areas you like, and driving around looking for "For Sale" signs. Take a camera and notepad. Also I keep a scrapbook of newspaper cutouts, to keep a ready record of asking prices.
Most homes will be open for inspection on a Wednesday or Saturday, or you can arrange a private inspection with the agent.
What to look for at an Inspection?
When you start inspecting properties, there are a few things to consider:
• Location, location and street appeal.
• Garaging, stairs, ease of living.
• Rates/body corporate costs.
• Is there any obvious structural damage or major things that need fixing?
• What appliances are included?
• Is there heating? Ceiling fans? Air-conditioning?
• Are the laundry facilities suitable?
• Are there safety and security features such as security doors, smoke alarms and a burglar alarm?
• Are there enough power points and phone lines?
• Will you be able to set up your PC and Internet connection easily?
• Will the hot water system meet your needs?
• Is there sufficient parking for you, your caravan, and any guests?
• Is it convenient to work, public transport, and amenities?
• Is a scenic view important?
• Will you need to, and are you prepared to renovate?
• Will this property increase in value?
• Are there any major developments scheduled that may change the area you choose?
How Do I Make An Offer?
• The key to making a successful offer is working out what the property is worth, and what price the seller is prepared to settle on – it is a competition! (You can ask your Lender for their valuers name in your region and request a “drive-buy”.
• Get a feel for the market by finding out what similar properties in the area are selling for. Check with Agents as to actual settled sale prices in the area and trends. You can buy sales data over the net.
• Only decide to make an offer prior to auction if you have considered the market and whether the property is likely to be sold for more or less than the asking amount.
• Making the right offer prior to auction may prevent the possibility of someone outbidding you on the day.
I've been Gazumped!
• When you've made a verbal agreement to buy a property, and the seller then enters into a written contract with another buyer (usually at a higher price) you've been gazumped.
• It hurts, but gazumping is not illegal. Remember, a contract for the sale of property or an interest in property must be in writing and signed to be enforceable.
Going to Auctions
• Go to a few auctions before you're ready to buy. It's the best way to get a feel for what goes on and how they are run. It can be an eye opener!
• It will also help determine the market, you may find listing prices aren't realistic to what properties are actually being sold for.
• You shouldn't exceed the maximum amount you're willing and able to pay.
• If your bid is successful, you'll be required to sign a binding contract and pay a deposit.
• If the vendor isn't happy with the highest bid at auction, the property will be passed in, and the highest bidder will probably be given the first opportunity to negotiate.
• The Auctioneer will say the property is “on the market” during bidding – this means it now exceeds the reserve.
• Decide beforehand whether at what level you will stop as on the day it'll be tempting to offer more than what you can really afford.
What Happens When I sign a Contract and Pay a Deposit?
• Take the Contract to a Solicitor before signing. Make sure Clauses to cover Building Inspections/Finance/Special Conditions are in order.
• When you pay a deposit, the Real Estate Agent is obliged to pay that money into a trust account and issue a trust account receipt.
• It's best to have your solicitor or conveyancing agent manage things from here to settlement. They'll act on your behalf and keep you informed with how things are proceeding.
Making the Legal Transfer
The legal transfer is called conveyancing. You need to ensure the property is properly transferred from the seller to the buyer. This can be done three ways:
Through a Solicitor
• A Solicitor is required to have professional indemnity insurance which protects you if any mistakes are made.
• They will charge a fee in relation to the property price, mortgage and type of title. There may be additional fees in relation to the type of search required and things like photocopying. Get a quote.
• Any purported savings that may be made by using the same solicitor as the Vendor often evaporate – the Solicitor can’t really serve two masters!
• Some Vendors and Purchasers will only use an-out-of-town solicitor to similarly avoid any conflicts of interest with the Real Estate Agent.
Through a Conveyancer
• A Conveyancer specializes in conveyancing only and will usually charge a flat fee for their services. The quality of service can be a bit “hit/miss”.
• There may be extra charges for things like photocopying and complicated searches.
Do it Yourself
• A Do It Yourself kit is available. You must become a member of The Law Consumers Association to obtain the kit though.
• If you make a mistake, you DO NOT HAVE INDEMNITY INSURANCE to fall back on like you do with a solicitor or conveyancer.
• You will also still have to pay fees for searches and certificates.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
With Queensland house prices still holding (the lower end being driven by first home buyers) compared with the other States, and an annual net migration of 80,000 pa inwards despite stagnant national growth, it shows the Sunshine State is still the place to be. Unfortunately this means you’ll pay a premium, but at least you’ll be confident of future capital growth. An average house block in Stanthorpe is now $50,000, but nearby country ones are cheaper. In Warwick the developers are a bit quicker off the mark and several subdivisions have commenced. There is to be a 200 bed retirement village built in Warwick as well and with local retirees taking up some places there should be a wider choice for homebuyers.
Know What You Want
• Spend some time researching areas where you are interested in living.
• Determine how far away from your work, schools, family and friends you will be if you decide to live there.
• It's also worthwhile checking out local facilities including shopping centres, restaurants, entertainment complexes, sports and parks and gardens.
• Hospitals., medical services, public transport depending on your age.
When you've decided where you want to live, think about what you need and want in a home.
• What size and style home do you want to buy? Do you need room to grow? Would you like a garage, a big backyard, afford a swimming pool?
• Is the area suited to your lifestyle and entertainment needs, will these needs change? Houses tend to be held for 7 years.
Know What You Can Afford?
You can get a good idea how much you can afford to spend on a new home using the following equation:
The Amount You Have Saved for a Deposit PLUS 3 x Your Gross Salary (How Much You Can Borrow) PLUS
How Much You Can Sell Your Current Home For MINUS The Mortgage on Your Current Home MINUS
Transaction Costs MINUS Personal Loans/Cards EQUALS How Much You Can Afford to Spend!
Allow for legals and inspections (say $1,000) and stamp duty and any loan application fees PLUS mortgage insurance and removal expense.
Don’t forget:
1. interest rates go up and down so allow a good margin
2. education and health expenses are on the rise.
3. many financial “wizards” are forecasting a period of high inflation.
4. check your job security.
5. rentals are rising.
Searching for a Home
There are plenty of useful resources to check out when you're looking to buy a home. Have a browse through:
- Internet Property Sites
- Local, State and National Newspapers
- Real Estate Publications
Its also worthwhile popping in for a chat with Real Estate Agents in the areas you like, and driving around looking for "For Sale" signs. Take a camera and notepad. Also I keep a scrapbook of newspaper cutouts, to keep a ready record of asking prices.
Most homes will be open for inspection on a Wednesday or Saturday, or you can arrange a private inspection with the agent.
What to look for at an Inspection?
When you start inspecting properties, there are a few things to consider:
• Location, location and street appeal.
• Garaging, stairs, ease of living.
• Rates/body corporate costs.
• Is there any obvious structural damage or major things that need fixing?
• What appliances are included?
• Is there heating? Ceiling fans? Air-conditioning?
• Are the laundry facilities suitable?
• Are there safety and security features such as security doors, smoke alarms and a burglar alarm?
• Are there enough power points and phone lines?
• Will you be able to set up your PC and Internet connection easily?
• Will the hot water system meet your needs?
• Is there sufficient parking for you, your caravan, and any guests?
• Is it convenient to work, public transport, and amenities?
• Is a scenic view important?
• Will you need to, and are you prepared to renovate?
• Will this property increase in value?
• Are there any major developments scheduled that may change the area you choose?
How Do I Make An Offer?
• The key to making a successful offer is working out what the property is worth, and what price the seller is prepared to settle on – it is a competition! (You can ask your Lender for their valuers name in your region and request a “drive-buy”.
• Get a feel for the market by finding out what similar properties in the area are selling for. Check with Agents as to actual settled sale prices in the area and trends. You can buy sales data over the net.
• Only decide to make an offer prior to auction if you have considered the market and whether the property is likely to be sold for more or less than the asking amount.
• Making the right offer prior to auction may prevent the possibility of someone outbidding you on the day.
I've been Gazumped!
• When you've made a verbal agreement to buy a property, and the seller then enters into a written contract with another buyer (usually at a higher price) you've been gazumped.
• It hurts, but gazumping is not illegal. Remember, a contract for the sale of property or an interest in property must be in writing and signed to be enforceable.
Going to Auctions
• Go to a few auctions before you're ready to buy. It's the best way to get a feel for what goes on and how they are run. It can be an eye opener!
• It will also help determine the market, you may find listing prices aren't realistic to what properties are actually being sold for.
• You shouldn't exceed the maximum amount you're willing and able to pay.
• If your bid is successful, you'll be required to sign a binding contract and pay a deposit.
• If the vendor isn't happy with the highest bid at auction, the property will be passed in, and the highest bidder will probably be given the first opportunity to negotiate.
• The Auctioneer will say the property is “on the market” during bidding – this means it now exceeds the reserve.
• Decide beforehand whether at what level you will stop as on the day it'll be tempting to offer more than what you can really afford.
What Happens When I sign a Contract and Pay a Deposit?
• Take the Contract to a Solicitor before signing. Make sure Clauses to cover Building Inspections/Finance/Special Conditions are in order.
• When you pay a deposit, the Real Estate Agent is obliged to pay that money into a trust account and issue a trust account receipt.
• It's best to have your solicitor or conveyancing agent manage things from here to settlement. They'll act on your behalf and keep you informed with how things are proceeding.
Making the Legal Transfer
The legal transfer is called conveyancing. You need to ensure the property is properly transferred from the seller to the buyer. This can be done three ways:
Through a Solicitor
• A Solicitor is required to have professional indemnity insurance which protects you if any mistakes are made.
• They will charge a fee in relation to the property price, mortgage and type of title. There may be additional fees in relation to the type of search required and things like photocopying. Get a quote.
• Any purported savings that may be made by using the same solicitor as the Vendor often evaporate – the Solicitor can’t really serve two masters!
• Some Vendors and Purchasers will only use an-out-of-town solicitor to similarly avoid any conflicts of interest with the Real Estate Agent.
Through a Conveyancer
• A Conveyancer specializes in conveyancing only and will usually charge a flat fee for their services. The quality of service can be a bit “hit/miss”.
• There may be extra charges for things like photocopying and complicated searches.
Do it Yourself
• A Do It Yourself kit is available. You must become a member of The Law Consumers Association to obtain the kit though.
• If you make a mistake, you DO NOT HAVE INDEMNITY INSURANCE to fall back on like you do with a solicitor or conveyancer.
• You will also still have to pay fees for searches and certificates.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
Friday, November 28, 2008
Picking the right mortgage
This article is part of a series bought to you by ALLSTORAGE SELF STORAGE. For drive-up easy storage at 1/4 city prices; in Warwick contact Harcourts Real Estate Phone 07 4661 3999; Stanthorpe contact Cec Mann & Co. 07 4681 4444; Glen Innes contact Robyn Willis Real Estate. (02_ 67321855. Or visit www.allstorage.com.au. We pride ourselves on providing qulity, value-for-money storage.
HOW TO CHOOSE THE RIGHT MORTGAGE
If you’ve been reading along, you might wait some help on choosing a mortgage.
House prices according to Stanthorpe Agent Cec Mann and Co. range from $170K , while in Warwick they are typically from $200k. These prices are far lower than the coast or metropolitan areas, but when you add in the cost of interest over the life of the loan, it makes picking the right mortgage even more important. Housing supply is short in both towns and most builders are still booked out well into the year.
General Facts
• Home loan repayments of principal payment and an interest component. are usually made either fortnightly or monthly over the term of your loan (typically 20-30 years) Best to avoid going over 20 years.
• The more often you make repayments (ie fortnightly) and prepayments the less interest you will inevitably pay.
Rates
Do a Google for Cannex interest rates - it is a free service.
Variable Rate Loans
• Broadly, interest charges are usually adjusted every 6 or 12 months and carefully monitored by government as home loan rates are a key economic driver and a touchy political subject!
• As variable rates change, your repayments will change or the term extended.
• You can usually make extra repayments or early repayments without incurring any penalties, and your repayments can be changed if your interest rate falls or your circumstances change. For most people, home loan interest is not tax deductible, so prepayments are a sound “investment”. However, varying repayments will make budgeting harder, and may strain your finances.
Fixed Rate Loans
• Normally these only have a fixed interest rate for 2 to 5 years, which is then renewed, or swapped to another home loan type.
• The advantage of this type of loan is that an unexpected rise in interest rates will not affect your repayments. Of course, if interest rates fall, you may find yourself paying a higher rate of interest than the market. Its worth remembering that low stable interest rates are regarded as good government practice.
• With fixed rate loans, it is common to be penalised for making extra repayments or for changing your home loan, swapping it to variable or your lending institute.
Honeymoon Loans
• Known as capped rate loans or honeymoon rate loans, this type usually apply for 12 months, after which interest will be charged as a standard variable rate.
• You'll have the benefit of a lower rate in the 12 months and lower repayments to help furnish the house, but be careful this doesn’t mean than when the loan reverts to a variable rate, you risk paying a higher rate of interest than market.
• Also, the benefit of a low start loan only runs for a short period, and when the full interest cuts in, you may struggle financially.
Split Loans
• Split loans give you the opportunity to average the risk and split your home loan between fixed and variable interest rates. You'll still pay when interest rates rise, but, not all your loan will be subject to the higher interest rate.
• Check whether the lender treats split loans as two separate loans and fees and charges will drive up your overall payment.
Government Assistance
• First Homebuyer subsidies are $14,000 for new homes – it’s a hard call whether the Government will use ever use these grants to kickstart the building industry again, but they have a dynamic effect.
• you may be eligible for further government assistance from the State (esp. Victoria) and/or Federal Government ( eg stamp duty concessions)
Offset Loans
• Some institutions will allow of your normal banking account and loan account to be combined into one account. This means your current balance offsets the size of your loan, thus reducing interest repayments and making a ongoing saving.
Redraw Facility
• With a redraw facility, extra payments that are made to the lender can be withdrawn later date to pay for things such as a renovation or new car. Of course extra repayments you reduce the amount of interest you will pay over the term of your loan. This feauture is well worth having as long as you don’t pay a premium.
Home Loan Offset Account
• This is a linked savings account which uses the generated interest to offset the principal sum of the loan, thereby reducing interest repayments.
• The interest generated is tax free, and money can be withdrawn from your account when needed.
Home Equity Loans
• A home equity loan gives you the opportunity to consolidate your debt into one loan and so reduce the interest repayments on your debt overall.
• It acts like an overdraft on your home loan and gives you credit up to the value of the equity in your home. For example, if your house is worth $200,000 and you have a $150,000 home loan, your equity or line of credit will be $50,000.
• You will pay a higher rate of interest on your home loan when compared to a standard variable loan, but a lower rate of interest than an overdraft.
• Check first whether your current lender will simply increase your existing loan at the same rate!
Fees and Charges
When you take out a home loan, there are many government and institution fees and charges.
Make sure you find out exactly what you'll be required to pay. In Queensland search for osr stamp duty calculator.
Some of the most common fees and charges include
Establishment Fee
This is your loan application fee, and covers the establishment and valuation fees plus the cost of processing your application.
Ongoing Fee
Also called an Administration Fee, this covers the charges for account keeping and any bank transactions. You'll pay between $3 to $10 each month, payable monthly or quarterly.
Late Payment Fee
This is the penalty incurred when a repayment is late. The fee will be 1-3% of the due payment, levied on top of that payment.
Stamp Duty on Mortgage(Home Loan)
State governments charge stamp duty on the transaction of taking out a loan, usually 0.3-0.4% of the loan amount.
Mortgage Insurance
If you borrow more than 80% of the value of your property, you'll undoutetly be required to pay mortgage insurance. This protects the LENDER in the event that you fail to repay the loan and your property is sold for less than the amount remaining on the loan.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
HOW TO CHOOSE THE RIGHT MORTGAGE
If you’ve been reading along, you might wait some help on choosing a mortgage.
House prices according to Stanthorpe Agent Cec Mann and Co. range from $170K , while in Warwick they are typically from $200k. These prices are far lower than the coast or metropolitan areas, but when you add in the cost of interest over the life of the loan, it makes picking the right mortgage even more important. Housing supply is short in both towns and most builders are still booked out well into the year.
General Facts
• Home loan repayments of principal payment and an interest component. are usually made either fortnightly or monthly over the term of your loan (typically 20-30 years) Best to avoid going over 20 years.
• The more often you make repayments (ie fortnightly) and prepayments the less interest you will inevitably pay.
Rates
Do a Google for Cannex interest rates - it is a free service.
Variable Rate Loans
• Broadly, interest charges are usually adjusted every 6 or 12 months and carefully monitored by government as home loan rates are a key economic driver and a touchy political subject!
• As variable rates change, your repayments will change or the term extended.
• You can usually make extra repayments or early repayments without incurring any penalties, and your repayments can be changed if your interest rate falls or your circumstances change. For most people, home loan interest is not tax deductible, so prepayments are a sound “investment”. However, varying repayments will make budgeting harder, and may strain your finances.
Fixed Rate Loans
• Normally these only have a fixed interest rate for 2 to 5 years, which is then renewed, or swapped to another home loan type.
• The advantage of this type of loan is that an unexpected rise in interest rates will not affect your repayments. Of course, if interest rates fall, you may find yourself paying a higher rate of interest than the market. Its worth remembering that low stable interest rates are regarded as good government practice.
• With fixed rate loans, it is common to be penalised for making extra repayments or for changing your home loan, swapping it to variable or your lending institute.
Honeymoon Loans
• Known as capped rate loans or honeymoon rate loans, this type usually apply for 12 months, after which interest will be charged as a standard variable rate.
• You'll have the benefit of a lower rate in the 12 months and lower repayments to help furnish the house, but be careful this doesn’t mean than when the loan reverts to a variable rate, you risk paying a higher rate of interest than market.
• Also, the benefit of a low start loan only runs for a short period, and when the full interest cuts in, you may struggle financially.
Split Loans
• Split loans give you the opportunity to average the risk and split your home loan between fixed and variable interest rates. You'll still pay when interest rates rise, but, not all your loan will be subject to the higher interest rate.
• Check whether the lender treats split loans as two separate loans and fees and charges will drive up your overall payment.
Government Assistance
• First Homebuyer subsidies are $14,000 for new homes – it’s a hard call whether the Government will use ever use these grants to kickstart the building industry again, but they have a dynamic effect.
• you may be eligible for further government assistance from the State (esp. Victoria) and/or Federal Government ( eg stamp duty concessions)
Offset Loans
• Some institutions will allow of your normal banking account and loan account to be combined into one account. This means your current balance offsets the size of your loan, thus reducing interest repayments and making a ongoing saving.
Redraw Facility
• With a redraw facility, extra payments that are made to the lender can be withdrawn later date to pay for things such as a renovation or new car. Of course extra repayments you reduce the amount of interest you will pay over the term of your loan. This feauture is well worth having as long as you don’t pay a premium.
Home Loan Offset Account
• This is a linked savings account which uses the generated interest to offset the principal sum of the loan, thereby reducing interest repayments.
• The interest generated is tax free, and money can be withdrawn from your account when needed.
Home Equity Loans
• A home equity loan gives you the opportunity to consolidate your debt into one loan and so reduce the interest repayments on your debt overall.
• It acts like an overdraft on your home loan and gives you credit up to the value of the equity in your home. For example, if your house is worth $200,000 and you have a $150,000 home loan, your equity or line of credit will be $50,000.
• You will pay a higher rate of interest on your home loan when compared to a standard variable loan, but a lower rate of interest than an overdraft.
• Check first whether your current lender will simply increase your existing loan at the same rate!
Fees and Charges
When you take out a home loan, there are many government and institution fees and charges.
Make sure you find out exactly what you'll be required to pay. In Queensland search for osr stamp duty calculator.
Some of the most common fees and charges include
Establishment Fee
This is your loan application fee, and covers the establishment and valuation fees plus the cost of processing your application.
Ongoing Fee
Also called an Administration Fee, this covers the charges for account keeping and any bank transactions. You'll pay between $3 to $10 each month, payable monthly or quarterly.
Late Payment Fee
This is the penalty incurred when a repayment is late. The fee will be 1-3% of the due payment, levied on top of that payment.
Stamp Duty on Mortgage(Home Loan)
State governments charge stamp duty on the transaction of taking out a loan, usually 0.3-0.4% of the loan amount.
Mortgage Insurance
If you borrow more than 80% of the value of your property, you'll undoutetly be required to pay mortgage insurance. This protects the LENDER in the event that you fail to repay the loan and your property is sold for less than the amount remaining on the loan.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
Schools: selecting a new School
This article is part of a series bought to you by ALLSTORAGE SELF STORAGE. For drive-up easy storage at 1/4 city prices; in Warwick contact Harcourts Real Estate Phone 07 4661 3999; Stanthorpe contact Cec Mann & Co. 07 4681 4444; Glen Innes contact Robyn Willis Real Estate. (02_ 67321855. Or visit www.allstorage.com.au. We pride ourselves on providing qulity, value-for-money storage.
SELECTING A NEW SCHOOL
If you’ve been reading along, you should now be thinking about
So hopefully you’ve got a job lined up or are ready to join the many business operating here. If not as a first place of contact try Joanne Playbell, the economic Officer at Stanthorpe or her counterpartin Warwick. This region is capably serviced by the Toowoomba Office of State Development.
Where do I start finding a school for my child?
• Consider whether you will be sending your children to Private or State schools
• If your child’s current school is willing, ask them to assist you by recommending a school in the area that you’ll be moving to In Stanthorpe, there are …………………………….While in Warwick there is
• Contact schools, ask to get some information sent to you, or arrange to go there in person
• Check the phone book and browse the Internet for school listings
• Pay attention to recommendations – this is often the best way to make a decision
What aspects are important?
• A nearby school is a lot less travelling.
• Visit a few schools with your child so that they can get a feel for the environment
• Arrange to see the principal during school hours – this way you will see what the students are like, discipline etc.
• Visit classes during school hours; observe whether the children are attentive, bored or disruptive. Will your child feel comfortable attending this school?
• Does the school have any particular emphasis? If your child plays an instrument, a arts-based environment will be better
• If you are looking at secondary schools, have a look at the range of subjects offered in years 11 and 12 and student performance levels. Your teenager will want a wide selection to choose from, and relevant ones to what they want to study at university
Found one?
• If possible, get your children to meet their teachers beforehand. Knowing a few faces will make things easier
• Buy necessary stationary items and books as soon as possible
• Send school records to the new school. Double check all paperwork and other details are taken care of before the children start
• If your child is taking any medication, or has any special needs, let the teachers and principal know
• Buy bus passes
For the first day
• Are uniforms compulsory? Get a uniform if they need one, and if the other students don’t wear them, don’t worry. But, there is nothing worse than being the new kid in the wrong clothes!
• Choose a safe route to school and set a day aside to show them the route. Walk to the station, bus, or tram stop with your child, and travel together to the new school
• Let your kids pick what they’d like to take for lunch. Having some control of the situation will make them feel better
• If you’ll be picking your children up from school, arrange where you’ll meet, and devise a plan for what the procedure will be if you’re running late
Other issues.
• Make sure you attend parent-teacher interviews each term.
• If your kids are in their last years of primary school, find out which secondary school most of the students will go to, and enrol them there. Avoid sending them where they will have to make a new group of friends yet again
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
SELECTING A NEW SCHOOL
If you’ve been reading along, you should now be thinking about
So hopefully you’ve got a job lined up or are ready to join the many business operating here. If not as a first place of contact try Joanne Playbell, the economic Officer at Stanthorpe or her counterpartin Warwick. This region is capably serviced by the Toowoomba Office of State Development.
Where do I start finding a school for my child?
• Consider whether you will be sending your children to Private or State schools
• If your child’s current school is willing, ask them to assist you by recommending a school in the area that you’ll be moving to In Stanthorpe, there are …………………………….While in Warwick there is
• Contact schools, ask to get some information sent to you, or arrange to go there in person
• Check the phone book and browse the Internet for school listings
• Pay attention to recommendations – this is often the best way to make a decision
What aspects are important?
• A nearby school is a lot less travelling.
• Visit a few schools with your child so that they can get a feel for the environment
• Arrange to see the principal during school hours – this way you will see what the students are like, discipline etc.
• Visit classes during school hours; observe whether the children are attentive, bored or disruptive. Will your child feel comfortable attending this school?
• Does the school have any particular emphasis? If your child plays an instrument, a arts-based environment will be better
• If you are looking at secondary schools, have a look at the range of subjects offered in years 11 and 12 and student performance levels. Your teenager will want a wide selection to choose from, and relevant ones to what they want to study at university
Found one?
• If possible, get your children to meet their teachers beforehand. Knowing a few faces will make things easier
• Buy necessary stationary items and books as soon as possible
• Send school records to the new school. Double check all paperwork and other details are taken care of before the children start
• If your child is taking any medication, or has any special needs, let the teachers and principal know
• Buy bus passes
For the first day
• Are uniforms compulsory? Get a uniform if they need one, and if the other students don’t wear them, don’t worry. But, there is nothing worse than being the new kid in the wrong clothes!
• Choose a safe route to school and set a day aside to show them the route. Walk to the station, bus, or tram stop with your child, and travel together to the new school
• Let your kids pick what they’d like to take for lunch. Having some control of the situation will make them feel better
• If you’ll be picking your children up from school, arrange where you’ll meet, and devise a plan for what the procedure will be if you’re running late
Other issues.
• Make sure you attend parent-teacher interviews each term.
• If your kids are in their last years of primary school, find out which secondary school most of the students will go to, and enrol them there. Avoid sending them where they will have to make a new group of friends yet again
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
Schools: selecting a new School
This article is part of a series bought to you by ALLSTORAGE STORAGE SHEDS. For drive-up easy storage at 1/3rd city prices; in Warwick contact Rose City Reality Phone 07 4661 3999; Stanthorpe contact Cec Mann & Co. 07 4681 4444; Glen Innes contact Mike Williams & Co. 02 67321855. Or visit www.allstorage.com.au. We pride ourselves on providing easy-to use storage at good value prices.
On our web site you will find all of the Tips: - Looking for a Rental Property, Planning your Move, Packing up Your House, Moving Plants, Self Storage Hints, Moving with your Family, Moving Pets, Selecting a new School, Home Buyers Tips and How to Choose the Right Mortgage.
SELECTING A NEW SCHOOL
If you’ve been reading along, you should now be thinking about
So hopefully you’ve got a job lined up or are ready to join the many business operating here. If not as a first place of contact try Joanne Playbell, the economic Officer at Stanthorpe or her counterpart, in Warwick. This region is capably serviced by the Toowoomba Office of State Development and if you are
Where do I start finding a school for my child?
• Consider whether you will be sending your children to Private or State schools
• If your child’s current school is willing, ask them to assist you by recommending a school in the area that you’ll be moving to In Stanthorpe, there are …………………………….While in Warwick there is
• Contact schools, ask to get some information sent to you, or arrange to go there in person
• Check the phone book and browse the Internet for school listings
• Pay attention to recommendations – this is often the best way to make a decision
What aspects are important?
• A nearby school is a lot less travelling.
• Visit a few schools with your child so that they can get a feel for the environment
• Arrange to see the principal during school hours – this way you will see what the students are like, discipline etc.
• Visit classes during school hours; observe whether the children are attentive, bored or disruptive. Will your child feel comfortable attending this school?
• Does the school have any particular emphasis? If your child plays an instrument, a arts-based environment will be better
• If you are looking at secondary schools, have a look at the range of subjects offered in years 11 and 12 and student performance levels. Your teenager will want a wide selection to choose from, and relevant ones to what they want to study at university
Found one?
• If possible, get your children to meet their teachers beforehand. Knowing a few faces will make things easier
• Buy necessary stationary items and books as soon as possible
• Send school records to the new school. Double check all paperwork and other details are taken care of before the children start
• If your child is taking any medication, or has any special needs, let the teachers and principal know
• Buy bus passes
For the first day
• Are uniforms compulsory? Get a uniform if they need one, and if the other students don’t wear them, don’t worry. But, there is nothing worse than being the new kid in the wrong clothes!
• Choose a safe route to school and set a day aside to show them the route. Walk to the station, bus, or tram stop with your child, and travel together to the new school
• Let your kids pick what they’d like to take for lunch. Having some control of the situation will make them feel better
• If you’ll be picking your children up from school, arrange where you’ll meet, and devise a plan for what the procedure will be if you’re running late
Other issues.
• Make sure you attend parent-teacher interviews each term.
• If your kids are in their last years of primary school, find out which secondary school most of the students will go to, and enrol them there. Avoid sending them where they will have to make a new group of friends yet again
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
On our web site you will find all of the Tips: - Looking for a Rental Property, Planning your Move, Packing up Your House, Moving Plants, Self Storage Hints, Moving with your Family, Moving Pets, Selecting a new School, Home Buyers Tips and How to Choose the Right Mortgage.
SELECTING A NEW SCHOOL
If you’ve been reading along, you should now be thinking about
So hopefully you’ve got a job lined up or are ready to join the many business operating here. If not as a first place of contact try Joanne Playbell, the economic Officer at Stanthorpe or her counterpart, in Warwick. This region is capably serviced by the Toowoomba Office of State Development and if you are
Where do I start finding a school for my child?
• Consider whether you will be sending your children to Private or State schools
• If your child’s current school is willing, ask them to assist you by recommending a school in the area that you’ll be moving to In Stanthorpe, there are …………………………….While in Warwick there is
• Contact schools, ask to get some information sent to you, or arrange to go there in person
• Check the phone book and browse the Internet for school listings
• Pay attention to recommendations – this is often the best way to make a decision
What aspects are important?
• A nearby school is a lot less travelling.
• Visit a few schools with your child so that they can get a feel for the environment
• Arrange to see the principal during school hours – this way you will see what the students are like, discipline etc.
• Visit classes during school hours; observe whether the children are attentive, bored or disruptive. Will your child feel comfortable attending this school?
• Does the school have any particular emphasis? If your child plays an instrument, a arts-based environment will be better
• If you are looking at secondary schools, have a look at the range of subjects offered in years 11 and 12 and student performance levels. Your teenager will want a wide selection to choose from, and relevant ones to what they want to study at university
Found one?
• If possible, get your children to meet their teachers beforehand. Knowing a few faces will make things easier
• Buy necessary stationary items and books as soon as possible
• Send school records to the new school. Double check all paperwork and other details are taken care of before the children start
• If your child is taking any medication, or has any special needs, let the teachers and principal know
• Buy bus passes
For the first day
• Are uniforms compulsory? Get a uniform if they need one, and if the other students don’t wear them, don’t worry. But, there is nothing worse than being the new kid in the wrong clothes!
• Choose a safe route to school and set a day aside to show them the route. Walk to the station, bus, or tram stop with your child, and travel together to the new school
• Let your kids pick what they’d like to take for lunch. Having some control of the situation will make them feel better
• If you’ll be picking your children up from school, arrange where you’ll meet, and devise a plan for what the procedure will be if you’re running late
Other issues.
• Make sure you attend parent-teacher interviews each term.
• If your kids are in their last years of primary school, find out which secondary school most of the students will go to, and enrol them there. Avoid sending them where they will have to make a new group of friends yet again
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
Moving Your Pets
This article is part of a series bought to you by ALLSTORAGE SELF STORAGE. For drive-up easy storage at 1/4 city prices; in Warwick contact Harcourts Real Estate Phone 07 4661 3999; Stanthorpe contact Cec Mann & Co. 07 4681 4444; Glen Innes contact Robyn Willis Real Estate. (02_ 67321855. Or visit www.allstorage.com.au. We pride ourselves on providing quality, value-for-money storage.
MOVING YOUR PETS
If you read our previous articles, you want to consider how a shift affects your pets. Stanthorpe can get especially cold and has the lowest reading in the State often this winter – so your pet will need an extra blanket as might you! Still, the Stanthorpians don’t mind so much with the “Brass Monkey” tourist season in full swing. And geez, do they get some tourists visiting – we wanted to book for the jazz in the vineyards session, but couldn’t get accommodation – serves us right for leaving it so late. Had to have a giggle over Scott Mann’s comment (from Cec Mann & Co. Real Estate); “beats me why the Brisbane tourists want to come down here and freeze their butts off – still its fine as long as they keep coming”. I guess it’s an acquired taste, but a few days in the cold can be quite refreshing, but the focus should be on your pet’s feelings.
Get the Facts
• As soon as you decide to move, find out whether local councils have strict requirements or restrictions on pet ownership. Ring the Community Services section at Warwick OR Stanthorpe Shire and they will help you.
• Sometimes, you should take your pet to have a check-up. Ask for any veterinary records to be forwarded to your new vet.
A Short Move
• If you're only moving a short distance, it's probably easiest to transport your pet in the car with you on move day.
• In the meantime, keep your pet outside, or in a room that won't be used. Make sure your pet has plenty of water, and enough toys to occupy their time.
Moving Pets by Car
• Some cats and dogs find car travel distressing, some even get car sick. Be prepared to make frequent stops along the way. McDonalds in Stanthorpe has a nice grass area at the front where many pet owners sit with their pet.
• Rabbits, guinea pigs, birds, and other petite pets can easily be transported in your car. To help keep them calm and quiet, cover the cages with a dark cloth.
• If you'll need to stop overnight, shop around for a hotel that will allow pets. Some caravan parks and motels are now making a feature of the fact you can bring your pet.
Moving Fish
• Visit your local Aquarium or Pet Shop and ask for special Fish Bags to transport your fish. They will offer advice on what's best for different types of fish.
Creating A Pet Pack
If you're transporting your pet by car, there are a few things you should keep aside to take with you on move day.
• An old blanket to protect your car upholstery.
• A favourite toy and on old T-shirt of yours with your scent on it.
• Two plastic containers: one with food and treats, one with water.
• Any medication your may need.
• A leash for when you let your pet out of the car for a toilet break.
• Plastic bags, paper towel, a sponge, and some disinfectant spray, just in case!
Pet Transport
Depending on your pet's size and temperament, and for an extra long distance, it may be wise to enlist the help of a pet transporter, who will organise every aspect of moving your pet from A to B. The service can include:
• Sound advice on preparing your pet for the trip
• Information about requirements or restrictions on pet ownership at your destination
• Collecting your pet at the airport
• Lodging your pet until you arrive
• Delivery of your pet to your new home.
If going by air, your cat or dog must have the following:
• A recent health certificate provided by your veterinarian
• A pet carrier that complies with airline regulations – if you make a lot of trips think about buying one, as they are dear to hire.
Trip Tips
• Do take your dog for a long walk before the trip.
• Do keep your cat indoors for at least 24 hours at your new home.
• Don't feed your pet too much before the trip.
• Don't sedate your pet unless it is absolutely necessary.
Other Bits and Pieces to Consider
• If you're planning on renting, prepare a pet resume for prospective landlords. Your vet may agree to write a referral letter about the pet’s temperament.
• Don't forget to get a new registration/ pet ID tag with your new address and contact phone numbers.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
MOVING YOUR PETS
If you read our previous articles, you want to consider how a shift affects your pets. Stanthorpe can get especially cold and has the lowest reading in the State often this winter – so your pet will need an extra blanket as might you! Still, the Stanthorpians don’t mind so much with the “Brass Monkey” tourist season in full swing. And geez, do they get some tourists visiting – we wanted to book for the jazz in the vineyards session, but couldn’t get accommodation – serves us right for leaving it so late. Had to have a giggle over Scott Mann’s comment (from Cec Mann & Co. Real Estate); “beats me why the Brisbane tourists want to come down here and freeze their butts off – still its fine as long as they keep coming”. I guess it’s an acquired taste, but a few days in the cold can be quite refreshing, but the focus should be on your pet’s feelings.
Get the Facts
• As soon as you decide to move, find out whether local councils have strict requirements or restrictions on pet ownership. Ring the Community Services section at Warwick OR Stanthorpe Shire and they will help you.
• Sometimes, you should take your pet to have a check-up. Ask for any veterinary records to be forwarded to your new vet.
A Short Move
• If you're only moving a short distance, it's probably easiest to transport your pet in the car with you on move day.
• In the meantime, keep your pet outside, or in a room that won't be used. Make sure your pet has plenty of water, and enough toys to occupy their time.
Moving Pets by Car
• Some cats and dogs find car travel distressing, some even get car sick. Be prepared to make frequent stops along the way. McDonalds in Stanthorpe has a nice grass area at the front where many pet owners sit with their pet.
• Rabbits, guinea pigs, birds, and other petite pets can easily be transported in your car. To help keep them calm and quiet, cover the cages with a dark cloth.
• If you'll need to stop overnight, shop around for a hotel that will allow pets. Some caravan parks and motels are now making a feature of the fact you can bring your pet.
Moving Fish
• Visit your local Aquarium or Pet Shop and ask for special Fish Bags to transport your fish. They will offer advice on what's best for different types of fish.
Creating A Pet Pack
If you're transporting your pet by car, there are a few things you should keep aside to take with you on move day.
• An old blanket to protect your car upholstery.
• A favourite toy and on old T-shirt of yours with your scent on it.
• Two plastic containers: one with food and treats, one with water.
• Any medication your may need.
• A leash for when you let your pet out of the car for a toilet break.
• Plastic bags, paper towel, a sponge, and some disinfectant spray, just in case!
Pet Transport
Depending on your pet's size and temperament, and for an extra long distance, it may be wise to enlist the help of a pet transporter, who will organise every aspect of moving your pet from A to B. The service can include:
• Sound advice on preparing your pet for the trip
• Information about requirements or restrictions on pet ownership at your destination
• Collecting your pet at the airport
• Lodging your pet until you arrive
• Delivery of your pet to your new home.
If going by air, your cat or dog must have the following:
• A recent health certificate provided by your veterinarian
• A pet carrier that complies with airline regulations – if you make a lot of trips think about buying one, as they are dear to hire.
Trip Tips
• Do take your dog for a long walk before the trip.
• Do keep your cat indoors for at least 24 hours at your new home.
• Don't feed your pet too much before the trip.
• Don't sedate your pet unless it is absolutely necessary.
Other Bits and Pieces to Consider
• If you're planning on renting, prepare a pet resume for prospective landlords. Your vet may agree to write a referral letter about the pet’s temperament.
• Don't forget to get a new registration/ pet ID tag with your new address and contact phone numbers.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
Moving your Family
This article is part of a series bought to you by ALLSTORAGE SELF STORAGE. For drive-up easy storage at 1/4 city prices; in Warwick contact Harcourts Real Estate Phone 07 4661 3999; Stanthorpe contact Cec Mann & Co. 07 4681 4444; Glen Innes contact Robyn Willis Real Estate. (02_ 67321855. Or visit www.allstorage.com.au. We pride ourselves on providing quality, value-for-money storage.
MOVING YOUR FAMILY
If you read our previous articles you might be thinking about the social aspect of moving a young family. Both Warwick and Stanthorpe areas cater well for children with good child care facilities and lots of parks and sports grounds, but if you have one of those jobs with successive moves, you might want to think through the affect on young children. Having had to make quite a few moves for carer reasons, I can vouch that adults don’t handle it too well either. Luckily when you’re moving into Stanthorpe with its village feel and Warwick as a rural centre, you will find people are far more friendly and more interested in helping you. Actually for the oldies, the Stanthorpe Golf Club is worth a hit – say hello to Bob Watts the Club’s president – I doubt you’ll meet a nicer fellow and find a more welcoming Club.
When to Move School Age Kids
• If your kids are school age it can be tempting to plan your move for the school holidays. This can actually make things harder for your kids. Because school is the first place kids can be assured of making friends, moving on the school holidays places your child in unfamiliar surroundings at a time when their chances of making friends are low.
• To make things worse, when school resumes, your child will be a stranger on the first day hustle and bustle.
• Moving during the school year allows your kids to go from one social setting to another and when your child is the only new person, the teacher and the other kids will be keen to show him or her special attention.
Does Age Make a Difference?
• Generally, the younger the child, the better they will cope with moving home. Although infants and young children may be confused, try to explain to them what's happening and make it like an adventure.
• What worries school age kids most is the question of how easily they will fit in and make friends at their new school and this why teenagers are generally more resistant to the idea of moving home because their friends provide them with a sense of identity.
Before the Move
• When you start making plans for your move, it's important to focus on what your kids can look forward to.
• Remember, if you see your move as an exciting adventure, your kids will be enthusiastic too.
• A great way to do this is to take them with you on house-hunting adventures. If it's simply not practical to have them tagging along, bring back pictures of hot prospects you're considering and then once you've found a new home, take photos of local places of interest.
Communication is the Key
• It's important that your family spend time chatting about the move. Before and during your move, encourage your kids to voice their uncertainties.
• If you're honest, you're probably feeling a little hesitant too, no matter how promising your new situation is likely to be, so after your move, time sitting together and listening to each other's stories will be the best way to find out how everyone is coping with the change.
Getting the Kids Involved
It's natural that your kids will want to feel part of what's going on. Some examples of ways to involve your kids include:
• Asking them to help organise your garage sale by making colourful posters to stick up around the neighbourhood
• Helping them choose a small number of toys to keep with them on moving day and letting them pack and label a few of their own boxes
• Giving them a special job to take care of on move day so they'll feel they're making a valuable contribution.
• Letting them decide how their new rooms will be arranged and decorated.
What about Childcare?
• You'll no doubt be offered a lot of conflicting advice whether you should keep your kids with you on move day, or arrange childcare, so don't forget that you are the best judge of what's right for your kids.
Saying Goodbye
• It's important that your kids have the opportunity to say good-bye to the family members and friends they're leaving behind, so encourage them to exchange contact details. These days, it's easy to keep in touch as pen pals via email.
Settling In
Realise that there is a grieving period for children than can last for weeks, or even months. There are a few simple things you can do to make moving easier for your kids, such as
• Explore your new neighbourhood together
• Wander around the new school together to help them find their bearings
• Go with your kids on their route to school until they want to travel by themselves
• Sign them up for after school activities where they can make new friends with similar interests
• Encourage them to keep in touch with old friends.
Keeping an Eye Out for Early Warning Signs
• It's always hard giving up the known for the unknown. Even the most well-adjusted child can have difficulty coping with moving home.
• It's important to pick up on early warning signs that your child may need extra help adjusting.
Here's some things to watch out for
• Withdrawn behaviour
• Loss of appetite
• Problems sleeping, or regular nightmares
• Outbursts of anger or tears
• Reluctance to stray far from the house or family
• Difficulty making new friends
More Handy Hints for Moving Kids
• There are children's books that help kids come to terms with an upcoming move, and cope with some of the feelings they may be experiencing.
• If you've got young children, it's important to survey your new home for possible danger areas, and kiddie proof them.
• The sooner you teach your kids your new address and contact details, the better.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
MOVING YOUR FAMILY
If you read our previous articles you might be thinking about the social aspect of moving a young family. Both Warwick and Stanthorpe areas cater well for children with good child care facilities and lots of parks and sports grounds, but if you have one of those jobs with successive moves, you might want to think through the affect on young children. Having had to make quite a few moves for carer reasons, I can vouch that adults don’t handle it too well either. Luckily when you’re moving into Stanthorpe with its village feel and Warwick as a rural centre, you will find people are far more friendly and more interested in helping you. Actually for the oldies, the Stanthorpe Golf Club is worth a hit – say hello to Bob Watts the Club’s president – I doubt you’ll meet a nicer fellow and find a more welcoming Club.
When to Move School Age Kids
• If your kids are school age it can be tempting to plan your move for the school holidays. This can actually make things harder for your kids. Because school is the first place kids can be assured of making friends, moving on the school holidays places your child in unfamiliar surroundings at a time when their chances of making friends are low.
• To make things worse, when school resumes, your child will be a stranger on the first day hustle and bustle.
• Moving during the school year allows your kids to go from one social setting to another and when your child is the only new person, the teacher and the other kids will be keen to show him or her special attention.
Does Age Make a Difference?
• Generally, the younger the child, the better they will cope with moving home. Although infants and young children may be confused, try to explain to them what's happening and make it like an adventure.
• What worries school age kids most is the question of how easily they will fit in and make friends at their new school and this why teenagers are generally more resistant to the idea of moving home because their friends provide them with a sense of identity.
Before the Move
• When you start making plans for your move, it's important to focus on what your kids can look forward to.
• Remember, if you see your move as an exciting adventure, your kids will be enthusiastic too.
• A great way to do this is to take them with you on house-hunting adventures. If it's simply not practical to have them tagging along, bring back pictures of hot prospects you're considering and then once you've found a new home, take photos of local places of interest.
Communication is the Key
• It's important that your family spend time chatting about the move. Before and during your move, encourage your kids to voice their uncertainties.
• If you're honest, you're probably feeling a little hesitant too, no matter how promising your new situation is likely to be, so after your move, time sitting together and listening to each other's stories will be the best way to find out how everyone is coping with the change.
Getting the Kids Involved
It's natural that your kids will want to feel part of what's going on. Some examples of ways to involve your kids include:
• Asking them to help organise your garage sale by making colourful posters to stick up around the neighbourhood
• Helping them choose a small number of toys to keep with them on moving day and letting them pack and label a few of their own boxes
• Giving them a special job to take care of on move day so they'll feel they're making a valuable contribution.
• Letting them decide how their new rooms will be arranged and decorated.
What about Childcare?
• You'll no doubt be offered a lot of conflicting advice whether you should keep your kids with you on move day, or arrange childcare, so don't forget that you are the best judge of what's right for your kids.
Saying Goodbye
• It's important that your kids have the opportunity to say good-bye to the family members and friends they're leaving behind, so encourage them to exchange contact details. These days, it's easy to keep in touch as pen pals via email.
Settling In
Realise that there is a grieving period for children than can last for weeks, or even months. There are a few simple things you can do to make moving easier for your kids, such as
• Explore your new neighbourhood together
• Wander around the new school together to help them find their bearings
• Go with your kids on their route to school until they want to travel by themselves
• Sign them up for after school activities where they can make new friends with similar interests
• Encourage them to keep in touch with old friends.
Keeping an Eye Out for Early Warning Signs
• It's always hard giving up the known for the unknown. Even the most well-adjusted child can have difficulty coping with moving home.
• It's important to pick up on early warning signs that your child may need extra help adjusting.
Here's some things to watch out for
• Withdrawn behaviour
• Loss of appetite
• Problems sleeping, or regular nightmares
• Outbursts of anger or tears
• Reluctance to stray far from the house or family
• Difficulty making new friends
More Handy Hints for Moving Kids
• There are children's books that help kids come to terms with an upcoming move, and cope with some of the feelings they may be experiencing.
• If you've got young children, it's important to survey your new home for possible danger areas, and kiddie proof them.
• The sooner you teach your kids your new address and contact details, the better.
Good luck! We hope you make a successful move to our region and look forward to meeting your storage needs.☺
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