Relocation Questions

From: "David J. Churchill" <churchilld@worldnet.att.net>
Subject: Relocation Questions
Date: Sun, 10 May 1998 10:59:37 -0700
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With respect to item #5 below, you can do long-distance closing by =
having all the papers couriered to you.  However you will lose the =
advantage of being face-to-face from the person who prepared the closing =
papers (and ability to ask questions face-to-face) and easily follow-up =
on important details which may have arisen from something you found in =
the closing papers, such as rediculous last-minute charges from the =
title company.  I think, with the large investment which a house is, =
that it's worth the trouble and expense to fly out and spend a day or =
two getting the VERY IMPORTANT last-minute details taken care of.
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Date: Thu, 07 May 1998 08:50:27 -0700 (MST)
From: Phillip Jennings <pjennings@pharm.utah.edu>
Subject: Relocating questions

Hello all,

I will be moving from Salt Lake City to Cincinnati this summer.  This=20
will be the first time I have ever relocated since buying a house,=20
having a career, etc.  As such I feel quite stressed over all the=20
details.  I have found a couple of books about relocation that answer=20
some of my questions but not others.  Maybe some of you could offer=20
help.

1.  I have > 6 figures in my 403-b.  Can this stay as it is or do I=20
have to roll it over into an IRA?  I like my current funds in the=20
403-b (Fidelity).  If I do a roll-over is there a time frame before=20
or after termination of employment in which this must be=20
accomplished?

2.  My wife and I both have group term life policies thru our=20
employer.  As there will be 6 weeks between jobs for me and even=20
longer than that for my wife, what is the best way to keep life=20
insurance in force?

3.  What about health insurance coverage?   I know COBRA mandates=20
some sort of continuation of insurance after termination, but does=20
this apply to someone who voluntarily "retires?"

4.  All of our assets are in a revocable trust.  Does the change of=20
state affect the trust.  I would think that our wills need to be=20
redone, but what about the trust?

5.  Finally, anyone have advice on how to close on a house =
long-distance? =20
Our time frame for moving is not that great.  We will only have a few=20
days off work to find a house in Cincinnati and this will not be=20
until the first of June.  We will plan on moving the first of July=20
and I start work August 3, so it is likely that we will have to=20
arrange a lot of the housing details long-distance (i.e. making=20
offers, getting inspections, possibly closing).=20

Anyone with experience in these matters who could offer advice would=20
be greatly appreciated.  Sorry for the long post.  Thank you.

Phillip Jennings
Salt Lake City, UT
pjennings@deans.pharm.utah.edu or=20
lovelight@juno.com

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