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4.5 Moving expenses and services connections


               When you're totalling up all the costs of buying your first home,
               don't forget to include moving expenses and


               connection fees or deposits for services, such as phone, electricity,
               and other utilities.


               Moving expenses vary widely, depending on your personal

               circumstances and possessions. As a first-time


               homebuyer, perhaps you're moving from an apartment, or even
               your parents' home. If this is the case, you


               may not need the services of a moving company. You could choose
               the do-it-yourself route and enlist the


               help of family and friends. If so, ask them or your WEST ANDERSON
               agent for a referral for a truck rental


               company they trust, as this is an area of your move that you want to

               go smoothly. Don't be fooled by the price! Reliability is the key.


               If, however, you do contract a moving company, do your homework
               well in advance; get referrals from your


               WEST ANDERSON agent and friends and do your own research.
               Rates and levels of service can vary widely among moving

               companies, as can insurance coverage, so give yourself lots of time
               to look into these matters.


               Often overlooked are the costs of making sure your services and
               utilities — such as your phone, electricity, satellite, and other

               connections — are up and running for move-in date. Make sure you
               call well in advance to make these arrangements, and ask about all

               associated fees. For example, some utility companies require
               deposits, or charge other fees for new customers with whom they
               have no billing history
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