Route 66 Map

Cool sign on Route 66 on our recent move.
Rights Reserved

This past few weeks has been a whirlwind of say goodbyes, packing, driving 1,400 miles twice, moving, and fixing up our new living space.

I was rudely reminded on our trip of the power banks have over me and the need to inform banks when I leave the state and make unusual purchases–like $200 of diesel fuel in Arizona.

Moving Tip I Forgot: Inform Your Bank of Traveling

I recently wrote an article on moving tips, but learned a new moving tip on our recent trek.

After driving our 22 foot long Penske’s 50 gallon tank to empty in the middle of Arizona, it was time to fill up. I learned that you have to prepay for diesel fuel for large purchases. Afterwards, any unused funds are returned back to your debit or credit card.

I prepaid $200 and was instantly rejected and informed by the cashier to call my bank. I was shocked as this was the first time I’ve ever had any trouble with my account.

I called the number on the back of my ING Direct card promptly and started to jump through the security hoops in place to insure it was indeed myself who was calling.

Security Hold on Debit Card

I was handed off to a general customer service rep who informed me there has been a security hold on my account, but couldn’t tell me why. Really? I informed him I was moving and traveling through several states making large diesel purchases. He entered that in the system, but still informed me there was a security hold.

I was then handed off to a security specialist. He informed me I couldn’t use my card as it was on hold, but he’d do me a favor and lift the hold for a few minutes so I could get cash. Then he’d mail me new cards. Mail cards? 

This obviously wasn’t a logical solution since we still had many many more miles to go and needed access to our money for fuel, food, and hotels.

He asked, “Don’t you have other funds available?” I’m assuming he meant a credit card, but I haven’t used credit cards in years. My wife’s debit card had been put on security hold too, but she hadn’t even used her card while traveling.

“This is unacceptable!” I began. “I have been a saver since 2007…” I became a little upset with the ridiculous solutions proposed and was passed on to a manager.

Seems someone with brain was put on the line and explained that there was no reason for a security hold and she pushed the magic buttons. We had no further problems with our debit cards.

Lesson learned: Inform banks if you’re moving and making multiple purchases in various states in a short amount of time.

I can only hope this was a standard ING Direct response and not a new security policy with Capital One taking over. [This does make me skeptical of the ING Direct to Capital One 360 makeover.]

Has your debit or credit card been placed on a security hold while traveling or moving? Share your story below in the comments. 

I’ve become addicted to American Pickers. These guys are digging through barns and finding old gems for antique collectors and museums.

The dust and rust are beautiful. The thrill of the hunt is exhilarating. Negotiating is fierce. The love of history is genuine.

What is Picking?

“Indiana Jones meets Sanford and Son.”

Advice for Life and Picking from American Pickers

This video (sorry no embed available) shows professional picker giving advice for future pickers and could also be applied to life or personal finances.

1. Love what you do. It keeps you going in tough times.

2. Be optimistic.

3. Slow your roll before you buy.

4. Have the cash.

5. Diversify what you know. Don’t get pigeon holed.

6. Never give up!

Picker Lingo Video

Honey Hole- Sweet pick.

Mega Pick- Huge find that has a large volume.

Rusty Gold- an object found in its natural state full of dirt and rust.

Windshield Time- Time spend exploring the back-roads of the USA.

Are you a picker or want to become a picker? 

Are you a disciplined robot?

Discipline is tough word. It sounds harsh and rigid. Discipline reminds us of hard work and no fun.

To bring to a state of order and obedience by training and control.

Passion on the other hand sounds much more enjoyable. Phrases like,”Follow your passion.” and “Live your passions” are inspiring.

We must have both passion and discipline for success to be realized.

Passionate Dreamer

Have you met a person who is passionate about a cause or idea? They are just beaming and glowing when they discuss that cause.

You’re sold since their passion is contagious and you want to join the passionate promoter in in…what? What do I do now?

The passionate promoter is a dreamer until they utilize discipline.

Discipline is the harness for our passion and dreams. It gives them feet.–marching orders to accomplish the good we desire to see fulfilled.

Disciplined Robot

Have you met a disciplined person who seems to charge through life and people? Lifeless.

A robot can follow orders programed into them. They execute relentlessly without thought or care for the relationships around them.

If you program your Roomba Vacuum to wake in the middle of the night, it will begin whirring and rolling around your house–despite the fact that you are asleep, it doesn’t care about your beauty sleep.

A disciplined person, void of passion is a lonely robot that destroys relationships and lives an uninspiring life.

When Discipline Marries Passion

There is a beautiful celebration that happens when passion marries discipline.

A dance begins.

Dreams move forward with a plan and action.

Execution of rituals become celebrations of a future reality.

Actions gain meaning and propel the dancer forward.

Dreams become reality. Others are inspired.

A movement is born larger and more influential than the dreamer could ever dream alone.

Discipline + Passion = A Movement

Will you allow the marriage of discipline and passion to occur in your life?

Photo Credit Fred Seibert

Yellow Moving Truck

Do you know how to move on a budget? Credit TheMuuj.

If there is anything I’m learning from this whole moving experience is that moving is expensive. We’re not in the military nor is a company paying us to move, so we have to foot the bill ourselves.

I’ve learned a few tips on moving since my family moved a good bit growing up. My dad told me they have moved to 25+ different houses. Wow! Well…my wife and I are off to a good start with our 4th move in 5 years of marriage.

I’ll share a few tips on moving and advice on how to move on a budget.

Tips on Moving: Packing and Preparing

  • Organization- If you can stay organized, moving will be much more enjoyable for everyone involved  For this move, we are trying something new and using a popular project management tool called Basecamp. They have free tool called Basecamp Classic where you can run 1 free project. Multiple users, calander, email notifications, upload documents, checklists…etc. Very useful!
  • Forward your mail- This is one of the first things to do so important documents don’t get lost in the mail. You can do this on the USPS website for a $1.00 service charge. You’ll need a credit/debit card for this.
  • Free Moving Boxes- Where do you get free moving boxes? Craigslist, FreeCycle, Grocery stores (go early in the morning), U-Haul Exchange, and a few other ideas. We got a load of free boxes from Trader Joe’s before they crushed their boxes early in a.m. Also, we scored a big hit for free boxes from Craigslist. Price for boxes= $0.00
  • Moving Truck- If you are a DIY mover, this will likely be your largest expense. For this move I priced out U-Haul and Penske. I believe Penske is the better choice vs Uhaul.
  • Get help- Don’t move alone. Line up your friends and family to help haul those boxes down 5 flights of stairs. Don’t forget the Coffee and Donuts + Pizza and beverages for the hard workers!
  • Stage your boxes- Clear a wall of your home and start stacking boxes according to size. Keeping all the boxes in one area will help on moving day.
  • Everything gets a box- If it can fit in a box–do it! Those odd shaped items are tough to fit in a the truck and will slow you down on moving day.
  • Inform your credit or debit card card company that you’ll be moving.  I learned the hard way. [Inform Your Bank if Leaving the State]

Tips on Moving: Packing Mistakes

  • Packing your tools- Keep an important box where you’ll stash tools along with nuts & bolts to put the furniture back together (I learned the hard way once).
  • Overpacking boxes- Nothing is worse than the 75 pound box of books. Uses smaller boxes for books or stuff the top portion of heavy boxes with towels and clothing to even out the weight.
  • Forgetting to label boxes- Label with the room (i.e. Living Room) and a few items on each box. Label the top and few sides in case the box is burred under other boxes.

Tips on Moving: Moving Day

  • Pack boxes before your movers come- When your friends help you to move, please please please have your boxes packed and ready to go. Remember you’ve got free help.
  • I like to load the truck myself and/or find someone who is good at Tetras to load the truck. If you don’t know how to load a truck properly here is a good guide.
  • Have someone inside directing the movers what to take and what order to take it in.
  • Have a friend or babysitter watch the kids in a room you’ve already cleared out. Safety first. Or you can put the kid in a high chair have her watch the loading action!
  • Spring for the appliance dolly and extra furniture pads.
  • Tie off your load in sections with rope or moving straps every few feet.
uhaul Lego

Do you know how to pull a trailer properly? Credit Ricecracker.

Tips on Moving: Driving the Truck

Buckle up it’s going to be a long ride. Here’s a few tips for your trek across country.

  • This is a must article if you have a trailer [How to Back up a Tailer...Like a Man]
  • Longer braking speeds- It’s going to take longer than you expect to slow down your big truck and load. Give plenty of room to stop.
  • Respect tracker trailer trucks especially on inclines and declines. Remember you’ll be sharing the road with these trucks for hundreds of miles.
  • Mind your truck’s height- Don’t get yourself into a pickle by going under low bridges or fastfood drive throughs.
  • Blind spots- Arrange your mirrors properly to avoid blind spots and be sure to signal when changing lanes.

More Moving Tips Articles I Recommend

7 Tips to Make Moving on a Budget Quick and Easy

Make Your Next Move Easier on the Kids

How to Entertain Kids in the Car- Can be applied to moving too!

I was also included in the Carnival of Personal Finance: Remember John Lennon Edition.

What moving tips or advice do you have? 

Lego Horse Drawn Wagon

We’re loading up the wagons again! Credit zgrredek.

This is just a quick update about our offline happenings. If you’re not interested tune back soon for more financial nuggets of knowledge.

Yep, we’re moving again. If you’ve been following awhile, you might remember that we moved to “The Valley” earlier this year.

Now we’re on the move again. This time it will be a 1,400 mile road trip with a moving truck and a toddler. Needless to say it won’t be a quick trip, but we’ll get 22+ hours of family bonding time together.

Where Are You Going?

Glad you asked. We’re heading to Oklahoma. Yes sir. I’ll soon be an Okie. Moving from Los Angeles to Oklahoma will be a bit like the city mouse moving to the countryside. It will take a little getting used to, but we’re looking forward to being near family.

Los Angeles vs. Oklahoma Stats

  • Low Unemployment rate of 5.2% compared to 10.1% in California.
  • Cost of Living will be -36% lower while the rate of pay is -13% lower in OK than L.A.
  • Median sale price for a 2 bedroom home in Oklahoma City is $76,500; Median sale price for 2 bedroom in Los Angeles (Palms neighboorhood) is $543,196. Wow! We just might buy a whole block of homes!
  • A gallon of gas in Oklahoma is $3.12; California is $3.66. Difference of $0.54 a gallon! Nice!

Needless to say it seems to a bit cheaper and we might actually be able to be homeowners than lifetime renters. I will miss many many things in Los Angeles of course.

Places I’ll Miss in Los Angeles

  • Trader Joe’s I’ll miss your low priced organic and wholesome fair. We might just have to trek down to Dallas to stock pile your non-perishable goodness.
  • In N Out Burger- What can I say? Double Double grilled onions, Chocolate shake with fries? You’ll be missed my friend. You’ll be missed.
  • K-Town - I would drive the 405 in traffic just to eat your kimchi, bulgogi, bibimbap, and anything else put before me. Bae Go Pa!
  • Mosaic- Our tribe.
  • King Taco- This is like the Mexican food version of In N Out, only they serve tongue tacos!
  • Many cool summer date places.

I could go on and on, but this is just making me hungry.

What I Won’t Miss About Los Angeles

  • Being the only person in the room not in the movie or T.V. industry.
  • The 405.
  • June Gloom.
  • The 405.
  • LAX.
  • The 405.

I really do love L.A. I’ve lived here off and on since 2001. You are a part of me and I’m sure you’ll try to lure me back again with your 60 degree winters and 11 days of rain.

Until then our wagons are hitched and we’re making our own Oklahoma Land Run.