Move man­agers can ease tran­si­tion

Daily Press (Sunday) - - Success -


Move man­agers typ­i­cally charge hourly rates be­tween $55 and $100, de­pend­ing on the type of ser­vice. Man­agers pack boxes or or­ga­nize the home, tag­ging items for fam­ily, char­ity or the new res­i­dence, and keep­ing out-of-town adult chil­dren in the loop by video chat­ting as they work.

A typ­i­cal move, in­clud­ing plan­ning and con­sul­ta­tion, takes three to five weeks, says Su­san De­vaney, pres­i­dent of The Mavins Group, a move-man­age­ment com­pany in West­field, N.J. Man­agers can work on short no­tice, too.

Man­agers re­view the floor plan for a new apart­ment and help de­cide where the old fur­ni­ture will fit. And they can rec­om­mend vet­ted mov­ing com­pa­nies and firms that might buy un­wanted items. The cost to hire a man­ager to move a se­nior from a house to a two-bed­room in­de­pen­dentliv­ing apart­ment may range from $2,500 to $5,000, not in­clud­ing mov­ing com­pany costs, De­vaney says.

Find an ac­cred­ited se­nior move man­ager through the Na­tional As­so­ci­a­tion of Se­nior Move Man­agers, the in­dus­try’s pro­fes­sional as­so­ci­a­tion.

Mary Kane is an as­so­ciate ed­i­tor at Kiplinger’s Per­sonal Fi­nance mag­a­zine. Send your ques­tions and com­ments to mon­ey­[email protected]

Now that we have ex­pressed our thank­ful­ness and eaten lots of pie, it’s time to move to the sea­son of gen­eros­ity.

De­spite changes in the tax code that make it less ben­e­fi­cial to do­nate to char­i­ties, this is the year to give more, not less. Al­most ev­ery char­i­ta­ble group and foun­da­tion is keep­ing its fin­gers crossed that Amer­i­cans will be gen­er­ous this year, even if the higher stan­dard de­duc­tion means less in­cen­tive to item­ize and write off char­i­ta­ble gifts.

Fires, floods and more have wreaked havoc on our neigh­bors. Can­cer and Alzheimer’s, hunger and an­i­mal cru­elty haven’t taken a hol­i­day this past year. This is the time to con­sider how to make sure your gifts go to a wor­thy or­ga­ni­za­tion.

It’s a mis­take to sim­ply write a check to an or­ga­ni­za­tion based on its name. Of the many char­i­ties with the word “can­cer” in their ti­tle, you will find that some take more than twothirds of the money they raise and spend it on fundrais­ing costs. That in­cludes salaries to those run­ning the or­ga­ni­za­tion.

It’s easy to do the re­search. Ev­ery reg­is­tered char­ity must file IRS form 990 with the govern­ment. But you don’t have to comb through them for de­tails and rat­ings com­par­isons.

Just go to Char­i­tyNav­i­ga­, the largest database (nearly 10,000 char­i­ties) that rates po­ten­tial char­ity re­cip­i­ents based on their fi­nan­cial health, ac­count­abil­ity, and trans­parency.

Each char­ity gets an over­all score, and a star rat­ing. The char­ity rat­ings look at to­tal as­sets, pay­ments to af­fil­i­ates for mar­ket­ing ser­vices and CEO pay. Note: it’s not wrong to have a high-paid ex­ec­u­tive team, if they are de­liv­er­ing re­sults and manag­ing a large as­set base.

You also can des­ig­nate your gift to the Char­ity Nav­i­ga­tor Giv­ing Bas­ket and your dol­lars will be au­to­mat­i­cally spread to sev­eral wor­thy or­ga­ni­za­tions. You’ll get one tax re­ceipt and can even set up re­cur­ring, au­to­matic dona­tions.

Look for ways to make your char­i­ta­ble dol­lars do dou­ble-duty. At this time of year, many char­i­ties an­nounce match­ing gifts made by gen­er­ous donors. Also, many cor­po­ra­tions will match em­ployee con­tri­bu­tions, so be sure to ask the HR de­part­ment if this pro­gram ex­ists at your work­place.

This year Face­book and Pay­Pal have teamed up to match dona­tions made through Face­book to non­prof­its up to a to­tal of $7 mil­lion. You sim­ply cre­ate a fundraiser by se­lect­ing from a list of avail­able non­prof­its.

This is a great way to call at­ten­tion and sup­port to char­i­ties in which you have a per­sonal in­ter­est. It lets your friends pub­licly show their sup­port as you fight a dis­ease or just re­spect your choice of char­i­ties.

There also are sev­eral apps that make giv­ing a breeze.

ShareTheMeal fights global hunger through the United Na­tions World Food Pro­gram. Tap the app on your cell­phone and give 50 cents. That will feed one child for a day.

The Char­ity Miles app is all about health and help­ing oth­ers. You run, walk, bike, what­ever you want, and a small amount of money gets do­nated from a cor­po­rate spon­sor to a char­ity you choose for each mile com­pleted.

If you’ve had a good year, give gen­er­ously to those who were less for­tu­nate. You’ll be glad you did. And that’s The Sav­age Truth.

Terry Sav­age is a reg­is­tered in­vest­ment ad­viser and the au­thor of four best-sell­ing books, in­clud­ing "The Sav­age Truth on Money." She re­sponds to ques­tions on her blog at Ter­rySav­

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