首先，在和搬家公司联系之前，你需要事先决定哪些东西是需要卖掉的或扔掉的，哪些是需要搬家公司打包运输的，以及哪些附加服务是你需要的。之后，你所联系的公司估价人员将会上门并给你做出预算，或者通过电话给你一个小时的费率。对于长途运输，估价是建立在重量的基础上，通常是以每100磅为计价单位。
其次，给你想要的搬家公司去电话或者发电子邮件，告诉他们你正在考虑使用他们的搬家服务，并请他们报价。尽量参与到整个估价的过程中，也就是用合理的理由来砍价钱，而不是不分青红皂白拦腰斩。并问清楚每一个给你报价的公司，这个价钱的有效日期。不要一个从电话上给你估价的公司的服务。
让搬运公司知道可能出现的影响搬运的非正常情况能让整个搬运过程的估价更加精确。让搬运公司尽可能多的了解这些情况，他们就可能会事先把这些因素计算到搬家的成本里，比如停车问题、路况问题、街道能否进入的问题、时限问题或者需要使用楼梯和电梯等等。因为对搬家费用的估算会因为这些因素而增加。如果你住的地方交通比较繁忙就事先为搬家公司的车辆预定一个停车位。如果从车上搬东西到你的门口距离超过75英尺就需额外付超距费。有些邻居会拒绝超过一定吨位的卡车进入他们的小区，这就需要把货物就近转移到一辆小型卡车上，这个费用是非常贵的。提前告可能发生的这些情况给你的估价专业人员。另外，如果你要搬到一个高层建筑，预定电梯服务是必须的。因为这些细节没有告诉专业估价师而在搬运过程中发生问题引起搬运没有按计划完成，搬运公司就会向你收取额外的费用。
事先检查搬运公司的信誉，联系你所在地的BBB机构咨询你要选择的搬家公司的客户投诉记录和投诉解决的详细情况。通过认识的朋友、家人和邻居也能得到很多如何搬家的建议。
事先了解搬运过程中东西丢失或损坏的保险赔偿。所有有执照的搬运公司必须对运送的东西负有责任。你需要明白你所享受的赔偿责任等级是什么，你的物品如果发生意外会得到多少赔偿，以及这种保险是否需要额外的费用。
其他需要问清楚的问题包括：
1. 你们公司是否会将搬家服务分包给其他公司？
2. 如果有分包发生，哪一部分的搬运会分包？
3. 运输过程中货物是否使用一辆车直接运抵目的地？（在运输过程中，将货物在不同的货车之间转移，会增加损坏的几率）
4. 还有什么服务项目没有列在清单上，是否会对这些没有列出的服务收费？你的搬运和打包工人接受过哪些训练（特别是在如何处理那些易碎的物品方面）？
留言请进
原文：
Firstly, even before talking with a mover, decide in advance which goods will be shipped and which will be sold or given away. Then consider whether or not you would like the mover to pack and what other type of additional services you may want. Remember that packing is always a separate bid from moving. An estimator may come to your home and create a bid, or make an estimate by talking to you over the phone. Moves that are less than 50 miles away are usually priced by the hour. For longer distance moves, estimates are based on weight, usually per 100 pounds. Call or email the Vancouver Toronto moving company you are considering for the job and ask for an estimate. Get involved in the estimating process and try to meet with the relocation consultant to survey your home and prepare a written estimate. Ask each prospective mover how long his or her estimate is valid for and question whether the estimate is a binding or a non binding. Never accept an estimate over the phone and do not consider using a company that offers you this service.
Inform the mover of any possible unusual situations on either end so your estimate can be more accurate. Make the mover aware of any problems that he may encounter at the delivery such as parking problems, road access, street accessibility, delivery time restrictions or if there are any stairs or elevators involved. The cost of your move can increase for such occurrences. Try to reserve a “parking space” for the moving van if your new home is on a congested street. If the moving crew has to carry your load more than 75 feet from the moving van to your door you may be charged for excessive distance. Some neighborhoods may prohibit trucks over a certain weight. The driver will offload your possessions into a smaller vehicle and the charge for that can be quite high. Advise the relocation consultant if you anticipate this situation arising. In addition, advise the consultant if you are moving to a high-rise building where an elevator reservation is required. This can cause problems for the delivery schedule if the mover does not know about this in advance and additional charges will likely apply.
To check the reliability of the moving company you can contact the local Better Business Bureau (BBB) in Toronto, Vancouver Canada to inquire about the company’s complaint record and how these complaints were resolved. Ask your friends, family and neighbors for recommendations and advice on movers.
Be sure to understand the coverage for loss or damage of your shipment. All licensed movers must provide liability for the value of goods they transport. There are different levels of liability that you need to be aware of. You need to understand the amount of protection provided and the additional charges that may apply.
Ask the right questions such as:
1. Does your company subcontract its moving services?
2. Which subcontractors could be used to move my home?
3. Will the contents of my home be on one truck the entire time?
(Moving goods between trucks increases the potential for damage)
4. What services are not listed on this bid, and what do you charge for them? What training do your movers and/or packers receive (especially for packing and moving fragile items)?
Reference:
2009年12月17日星期四
2009年12月15日星期二
使用无担保的债务重组贷款避免破产| How to Avoid Bankruptcy
破产是债务人处理自己债务问题的最后的手段。如果当我们面临如此严峻的财务问题时，你可能考虑破产保护。不过在你最终决定走向这个极端之前，是否考虑了申请使用无担保的债务重组贷款避免破产保护的发生。下面告诉你怎样实现这个计划的步骤：
1. 联系你现有的债权人，向他们表达你可能希望通过债务重组贷款的方式来避免破产的发生。告诉你的债权人如果你申请破产保护，破产法的第七章就会免除你的所有债务，今后他们就没法再从你这里得到一分钱了。让你的债权人了解破产法的第七章的内容，促使他们接受你债务重组计划的设想，因为债权人同样会从这个计划收益。
2. 优先从你的债权人那里申请债务重组贷款，比如银行或者相关的金融机构。
3. 联系一个商业的专门帮助债务人申请债务重组而避免破产的贷款中介，这些专业人士是专门帮助那些希望避免破产的人。而他们将从借出钱的银行金融机构得到报酬。
原文如下：
Avoid Bankruptcy With Debt Consolidation & Unsecured Loans
Bankruptcy is intended to be a means of last resort to resolve a debtor's financial issues. If you are facing significant financial challenges, you may contemplate bankruptcy. However, before you move forward in that direction, consider how to avoid bankruptcy with debt consolidation and unsecured loans. There are strategies that you can employ to obtain debt consolidation and unsecured financing as a means to resolve your debt issues and avoid the need for bankruptcy protection.
1. Contact your existing creditors and explain to them that you are pursuing debt consolidation and the possibility of unsecured loans as a means of avoiding a bankruptcy. Advise them that if you file for bankruptcy protection you will file under Chapter 7. Chapter 7 is the type of bankruptcy that results in the discharge of your debt, leaving your creditors with no ability to collect on your accounts. By advising creditors of your intentions and the prospect of Chapter 7 bankruptcy, they likely will be supportive of your efforts to consolidate debt and obtain additional financing because their best interests are served through this course as well.
2. Apply for a debt consolidation or unsecured loan initially with any of your creditors that are banks or similar types of financial institutions.
3. Contact a loan broker. There are loan brokers in business that specialize in assisting people attempting to avoid bankruptcy. These professionals assist in connecting people like you with lenders that specialize in loan consolidation and limited supplemental financing for people dealing with debt issues who want to stay out of the bankruptcy court. These loan brokers do not charge you a fee for their services. They are compensated by a lender if a debt consolidation loan or other type of financing is originated for you.
1. 联系你现有的债权人，向他们表达你可能希望通过债务重组贷款的方式来避免破产的发生。告诉你的债权人如果你申请破产保护，破产法的第七章就会免除你的所有债务，今后他们就没法再从你这里得到一分钱了。让你的债权人了解破产法的第七章的内容，促使他们接受你债务重组计划的设想，因为债权人同样会从这个计划收益。
2. 优先从你的债权人那里申请债务重组贷款，比如银行或者相关的金融机构。
3. 联系一个商业的专门帮助债务人申请债务重组而避免破产的贷款中介，这些专业人士是专门帮助那些希望避免破产的人。而他们将从借出钱的银行金融机构得到报酬。
原文如下：
Avoid Bankruptcy With Debt Consolidation & Unsecured Loans
Bankruptcy is intended to be a means of last resort to resolve a debtor's financial issues. If you are facing significant financial challenges, you may contemplate bankruptcy. However, before you move forward in that direction, consider how to avoid bankruptcy with debt consolidation and unsecured loans. There are strategies that you can employ to obtain debt consolidation and unsecured financing as a means to resolve your debt issues and avoid the need for bankruptcy protection.
1. Contact your existing creditors and explain to them that you are pursuing debt consolidation and the possibility of unsecured loans as a means of avoiding a bankruptcy. Advise them that if you file for bankruptcy protection you will file under Chapter 7. Chapter 7 is the type of bankruptcy that results in the discharge of your debt, leaving your creditors with no ability to collect on your accounts. By advising creditors of your intentions and the prospect of Chapter 7 bankruptcy, they likely will be supportive of your efforts to consolidate debt and obtain additional financing because their best interests are served through this course as well.
2. Apply for a debt consolidation or unsecured loan initially with any of your creditors that are banks or similar types of financial institutions.
3. Contact a loan broker. There are loan brokers in business that specialize in assisting people attempting to avoid bankruptcy. These professionals assist in connecting people like you with lenders that specialize in loan consolidation and limited supplemental financing for people dealing with debt issues who want to stay out of the bankruptcy court. These loan brokers do not charge you a fee for their services. They are compensated by a lender if a debt consolidation loan or other type of financing is originated for you.
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