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Now's the time to get your service providers in the loop. Changing your address before you skip town can prevent major hassles like past-due bills, service lapses, and even identity theft. Keep an eye on incoming mail to see which companies you need to notify, but here are the biggies.

• The post office. Log on to moversguide.usps.com or go to your local branch to fill out a change of address form and arrange for mail forwarding.
  
  
• The IRS. Print out and mail in the IRS' Change of Address form.
  
  
• Credit card companies. Don't forget about store cards and loyalty programs!
  
  
• Banks. You'll want easy access to your checking account on moving day, and you'll also need to update online banks, retirement funds, and investment accounts.
  
  
• Utility companies. Arrange for service at your new address, and schedule shut-off at your old address for the end of the moving day, so you'll still be able to turn on the lights and use the bathroom while you're working.
  
  
• Home or renters' insurance. Ask if they cover your possessions during transport, especially if you're moving valuables or electronics in your own vehicle.
  
  
• Car insurance
  
  
• Health insurance
  
  
• Your doctor. Get referrals to physicians in your new area, and have your medical files transferred.
  
  
• Government agencies. If you have benefits from Social Security, Medicare, Medicaid, or any other government program, make sure you notify them of your move.
  
  
• Phone company, cable, and internet. Discontinue service at your old location and schedule new service.
  
  
• Cell phone provider
  
  
• Magazine subscriptions
  
  
• Clubs or organizations