Exciting news you closed on your new home and handed your new set of keys. Now what? As a new homeowner you have so much to organize and orchestrate during the moving process. However, besides changing the locks on your door(s) there are a few simple steps often overlooked. It is critical to alert the following institutions of your new change of address (Never use online sites that will change an address for a higher fee):
- US. Post Office – To let the post office know you are going to change your address and have your mail forwarded to your new location, you have two options: Option 1: Go to USPS.com/move to change your address online. This is the fastest and easiest way, and you immediately get an email confirming the change. There is a $1 charge to change your address online. You will need a credit or debit card and a valid email address. The $1 charge to your card is an identity verification fee to prevent fraud and make sure you’re the one making the change. Warning: You don’t need to pay a separate company to change your address. Scammers may charge $40 or more to do what you can do for just $1 using the moving section of the official USPS.com website. Option 2: Go to your local post office and request a Mover’s Guide packet. Inside the packet is PS Form 3575. Fill out this change of address form and give it to a postal worker behind the counter or drop it into the letter mail slot inside the post office. You should receive a confirmation letter at your new address in five business days.
- Department of Motor Vehicles – If you move, you must report a change of residence address on your license, permit, non-driver ID or vehicle records to the DMV within 10 days. Changing your address with the U.S. Postal Service (USPS) does not update your DMV records. You must report your address change to both the DMV and the USPS. Option 1: Online through MyDMV. To change the address on your license, permit, non-driver ID and/or registration(s), you will need the ID numberand document number from your most recently issued New York State drivers license, learners permit, or non-driver’s license. Option 2: To change your license, permit, non-driver ID and/or the address on your registration(s), mail a completed Address Change (pdf) (MV-232) form to NYS DMV. License Production Bureau | PO Box 2895 |Albany, NY 12220-0895. Remember: If you want to replace your documents, be sure to include payment. You can find payment information on the Change Address (MV-232) form. When you change your address for a vehicle registration, DMV updates the title certificate record
- Internal Revenue Service – If your address has changed, you need to notify the IRS to ensure you receive any IRS refunds or correspondence and be sure to notify your tax preparer. It can take four to six weeks for a change of address request to fully process. There are several ways to notify the IRS of an address change. Option 1: You may choose to inform the IRS by Form. To change your address with the IRS, you may complete a Form 8822, Change of Address, (For Individual, Gift, Estate, or Generation-Skipping Transfer Tax Returns) (PDF)and/or a Form 8822-B, Change of Address or Responsible Party — Business (PDF) and send them to the address shown on the forms. For information on changing the “responsible party,” see Form 8822-B. You may download and print the fillable Forms 8822 and 8822-B or order them by calling 800-TAX-FORM (800-829-3676).Option 2: You may notify the IRS in writing of your address change. Inform the IRS you are changing your address, and provide your: Full Name | Old and New Address | social security number, individual taxpayer identification number, or employer identification number and | signature. Employment Returns: If the change of address relates to an employment tax return, the IRS issues confirmation notices (Notices 148A and 148B) for the change to both the new and former address.
- Social Security Administration (SSA) – Change your address online using your my Social Securityaccount if you receive Social Security retirement, survivors, or disability benefits or are enrolled in Medicare. If you don’t receive Social Security benefits or Medicare or you want to change your address by phone or in person, contact the SSA.
- Department of Veterans Affairs (VA) – To update your information across VA benefits and services: health care, disability compensation, pension benefits, claims and appeals, vocational rehabilitation and employment (VR&E) Contact the VA if you are a veteran who receives benefit payments or you want to update your records. Option 1: Call VA at 1-877-222-VETS (8387). A representative can help validate and, if necessary, update your address Monday through Friday, 8:00 a.m. to 7:00 p.m. ET. Option 2: Update your profile online. Sign in to VA.gov You can sign in with your DS Logon, My HealtheVet, or ID.me account. If you don’t have an account, you can create one now.
- US. Citizenship and Immigration Services (USCIS) – Contact USCISwithin 10 days of a move if you are a non-U.S. citizen who is required to register your address.
- Voter’s Registration (State Board of Election Offices | NYS and NYC) – Contact your state election officeto change your address on your voter registration record and to be assigned a new polling place if you’ve moved outside the boundaries of your current one.
- TSA Precheck/Global Entry – If you are a member of theTSA Pre✓®Application Program, you may call (855) 347-8371 weekdays, between 8 a.m. and 10 p.m. ET, to make changes to your name, address, or other information contained in your records. You may also submit your inquiry online. You will be provided information regarding documentation needed to process the change. If you are a member of Global Entry, NEXUS, or SENTRI, please submit an email or visit the Trusted Traveler Program website.
- Utility Providers: Transferring your utility services is just one of many to-dos that come along with transitioning to a new home. In New York City there are two Gas Service providers. Con Edison (Manhattan, the Bronx, Northern Parts of Queens) and National Grid (Brooklyn, Staten Island, Rest of Queens) | Water Provider: NYC Department of Environmental Protection (All 5 boroughs) | Telephone Company | Cable Company | Internet Provider
- Home and Renters Insurance Provider for Medical & Dental, Automotive, Home/Renters, and Health (Visit Healthcare.gov) – Don’t forget to update your new address information or it may end up costing you in both time and money later down the road. When your insurance company is working off of outdated information, especially contact information, it could prevent you from getting the right amount of coverage, or it may even lead to trouble in renewing or keeping your policy. When you move and change addresses, even if you have an online account that you use to manage your insurance policies, you should be sure to change your mailing address information right away so that you receive all the important mailed notifications from your insurance company.
- Your Employer – You are not legally obliged to notify a prior employer of a change of address. However, if you do not they will send the W-2 they are required by law to send you not later than January 31st to your prior address, which you will not receive at your new address unless you still have a mail forwarding order in place. Many employers have an intranet that you can log-in and report the address change if not contact your Human Resource Department for the procedures to do so. You want to ensure your tax, medical, insurance and retirement investment accounts with the company are all connected to your new address.
- Financial Agencies: Banks, Loan Providers and Credit Card Companies – To ensure someone does not impersonate your account or that you do not miss anything important related to your finances you should notify all Financial Agencies immediately. You can usually update banks and credit cards online, however, in some cases it may be necessary to contact the Customer Service Department.
- Magazine and Newspaper Subscriptions – Personal subscribers can usually change their delivery address at any time online or by calling. You want to ensure you continue receive your subscriptions rather than leaving it behind at your old address.
- Clubs (Costco, Sam’s Club, Wegmans, B.J.’s etc.), online Shopping Sites, Charities and Organizations you are involved with so they know where to reach you and can provide you information on a timely basis.
- Pets Electronic Identification tag – When you move update your Pets identification tag in case he or she gets lost or escapes. (This is especially important when it comes to American Veterinary Association recommends implanting a microchip so that your pet can be safe and tracked if necessary.
- Friends and Family – The most important people will be excited to hear you are a new homeowner so let them know by sending them a personal online or print card with your new address. Consider hosting a “House Warming Party or Pot-Luck” to show-off your home and catch-up in an intimate setting with them.
- Meet Your Neighbor’s – Consider inviting your new neighbor’s over for some lite nibbles to get to know each other.
As your trusted advisor and local expert I will provide you with the resources and roadmap to make your transition seamless. I have established a vetted professional referral network of other professional who can help you with your unique needs and address any challenge that comes your way. Congratulations on that new home purchase.