FREQUENTLY ASKED QUESTIONS

GENERAL QUESTIONS

What services does Moving Scrubs provide?

We specialize in seamless residential moving services and relocation support for nurses, ensuring a smooth transition to your new home.

Do you offer packing and unpacking services?

Yes, we provide comprehensive packing and unpacking services to make your move as stress-free as possible.

Can you accommodate last-minute moves?

While we recommend booking in advance, we understand emergencies happen. Contact us, and we’ll do our best to assist.

What areas do you serve?

Moving Scrubs operates in New York. Contact us to confirm if we serve your area.

Do you offer storage solutions?

Yes, we offer short-term and long-term storage options to fit your needs during the moving process.

How do you ensure the safety of my belongings?

Our team is trained to handle your items with care, and we use quality packing materials to prevent damage during transit.

Are there discounts for nurses?

Absolutely! We offer special discounts and perks exclusively for nurses to show our appreciation for your service.

How far in advance should I schedule my move?

We recommend scheduling at least 2-4 weeks in advance, but we’re happy to assist with shorter timelines if availability permits.

What if I need to change my moving date?

Life happens! Contact us as soon as possible, and we’ll work with you to reschedule your move.

How do I get a quote for my move?

Simply fill out our online form or give us a call, and we’ll provide a detailed and transparent estimate tailored to your needs.

FINANCIAL PLANNER

1. What exactly does a financial planner do?

A financial planner helps individuals and families create a comprehensive strategy to manage their finances, grow wealth, and achieve long-term goals. They offer guidance on budgeting, saving, investing, retirement planning, insurance, tax strategies, and estate planning. By analyzing your current financial situation, a financial planner develops a step-by-step plan tailored to your needs and goals.

2. What are the purposes of financial planning?

The main purposes of financial planning are to provide financial clarity, set achievable goals, and build a secure financial future. It helps you manage income, control expenses, plan for major life events (like buying a house or sending kids to college), and prepare for retirement. Financial planning also helps reduce financial stress and improves your ability to handle unexpected emergencies.

3. What is the importance of financial planning?

Financial planning is important because it gives you a clear roadmap to achieve your financial goals and maintain financial stability. It helps you make informed decisions about spending, investing, and saving. With a solid financial plan, you can reduce debt, grow your wealth, protect your assets, and ensure a comfortable retirement. It also helps you prepare for unforeseen events, such as job loss or medical emergencies.

4. Is it worth paying for a financial planner?

Yes, paying for a financial planner can be worth it—especially if you're facing complex financial decisions or want expert guidance. A good financial planner can help you avoid costly mistakes, optimize your investments, save on taxes, and create a long-term strategy for wealth building. For many, the value they provide outweighs the cost of their services.

5. How do I know if I need a financial planner?

You may need a financial planner if you're unsure how to manage your money, plan for retirement, handle investments, or reach specific financial goals. Life changes like getting married, having a child, changing jobs, or nearing retirement are also key moments to seek financial advice. If you're overwhelmed by financial decisions or want a clear, personalized plan, a financial planner can be a valuable partner.

LEGAL ADVISOR

1. What does a financial advisor do?

A financial advisor helps individuals manage their money by offering guidance on budgeting, investing, retirement planning, taxes, insurance, and more. They tailor strategies to your financial goals and risk tolerance.

2. Do I really need a financial advisor?

You may need a financial advisor if you're unsure how to manage your money, plan for retirement, invest wisely, or navigate major financial decisions. Advisors can help you avoid costly mistakes and grow your wealth over time.

3. How much does a financial advisor cost?

Financial advisors may charge a flat fee, an hourly rate, or a percentage of assets under management (usually 0.5% to 1%). Some may earn commissions on products they sell. Always ask for a fee breakdown before hiring.

4. What is the difference between a fiduciary and a financial advisor?

A fiduciary is a type of financial advisor who is legally obligated to act in your best interest. Not all financial advisors are fiduciaries, so it's important to ask before choosing one.

5. How do I choose the right financial advisor?

To choose the right financial advisor, check their credentials (like CFP® or CFA), understand their fee structure, ask about their experience, and make sure they understand your financial goals. It’s also wise to verify they are a fiduciary.

MORTGAGE ADVISOR

1. What is a mortgage advisor?

A mortgage advisor is a financial professional who helps people find and apply for the right mortgage (home loan) based on their financial situation and property goals. They assess your income, credit, and budget to recommend the best mortgage products, explain the terms, and guide you through the application process.

2. What to ask a mortgage advisor?

When meeting a mortgage advisor, ask questions like:

What types of mortgages can you offer me?

Are you an independent advisor or tied to specific lenders?

What fees do you charge, and how are you compensated?

How much can I borrow based on my income and credit?

What documents do I need to provide?

Can you help me get a mortgage with bad credit?

These questions help you understand your options and ensure you’re getting the best possible deal.

3. Can I get a mortgage with bad credit?

Yes, it is possible to get a mortgage with bad credit, but it may be more challenging. Lenders may offer you higher interest rates or require a larger deposit. Working with a mortgage advisor who specializes in poor credit mortgages can help you find lenders willing to work with your credit profile. Improving your credit score and reducing debt before applying can also improve your chances.

4. Do I need a mortgage advisor?

You don’t always need a mortgage advisor, but having one can make the mortgage process easier, especially for first-time buyers or those with unique financial situations. A mortgage advisor helps you understand the best mortgage products available, ensures your application is strong, and can save you money by securing better deals than you'd find on your own.

5. Why do mortgage advisors need bank statements?

Mortgage advisors need bank statements to verify your income, spending habits, and financial stability. Lenders use this information to assess whether you can afford the monthly mortgage repayments. Bank statements also help detect any unusual activity, existing debts, or financial commitments that could affect your mortgage eligibility.

REAL ESTATE AGENT

1. How can a real estate agent help nurses relocate for work?

A real estate agent can assist nurses relocating for new assignments by helping them find homes close to hospitals or clinics, understanding their tight schedules, and offering virtual showings. They also handle paperwork and negotiations, making the move faster and less stressful for busy healthcare professionals.

2. Do nurses qualify for special home-buying programs?

Yes, many nurses qualify for special home loan programs, including FHA, VA (if military-affiliated), and first-time homebuyer grants. Some states and lenders also offer nurse-specific incentives like down payment assistance or reduced fees. A real estate agent familiar with nurse relocation can help you find and apply for these programs.

3. What should travel nurses consider when buying a home?

Travel nurses should consider location flexibility, rental potential, and proximity to hospitals when buying a home. Since assignments can change, working with a real estate agent who understands the travel nurse lifestyle can help you find a property that suits both short-term needs and long-term investment potential.

4. Can a real estate agent help with short-term housing for nurses?

Yes, real estate agents can help nurses find short-term rentals or furnished housing near healthcare facilities. Whether it's a 3-month travel assignment or a temporary relocation, agents can connect you with flexible housing options that meet your budget and schedule.

5. Why should nurses work with a real estate agent who understands healthcare workers?

Nurses benefit from working with a real estate agent who understands their unique schedules, shift work, and career demands. These agents can offer flexible communication, advocate for nurse-specific benefits, and streamline the home buying or renting process for healthcare professionals on the move.

MOVING CONCEIRGE

1. What is a moving concierge service?

A moving concierge service is a personalized relocation support system that helps individuals and families manage every aspect of their move. From connecting utilities and coordinating movers to finding temporary housing and recommending local services, a moving concierge simplifies the moving process and saves time and stress.

2. What does a moving concierge typically handle?

A moving concierge typically assists with utility setup, address changes, scheduling movers, securing storage, recommending service providers (like cleaners or handymen), and even helping with school or community research. It’s a one-stop service to make relocation smooth and efficient.

3. Who can benefit from a moving concierge service?

Anyone relocating—especially busy professionals like nurses, executives, or families—can benefit from a moving concierge service. It's particularly helpful for long-distance moves, job-related relocations, or when time is limited to handle the logistics yourself.

4. Is a moving concierge service expensive?

Many moving concierge services are free and included through real estate agents, relocation programs, or employers. Others may charge a fee depending on the level of service provided. The convenience and time savings often make it well worth the investment.

5. How is a moving concierge different from a moving company?

A moving concierge coordinates and manages all aspects of your move, while a moving company physically moves your belongings. The concierge acts as your personal assistant for the move, organizing services—including booking movers—so you don’t have to handle every detail on your own.

INSURANCE BROKER

1. What is the most common insurance for nurses?

Nurses need to protect themselves and their career by maintaining Professional Liability Insurance, a.k.a. Medical Malpractice Insurance. Do not assume your employer's liability insurance will cover you when a lawsuit or complaint is filed.

2. What are the 4 most common health insurance plans?

The four most common types of health insurance plans in the U.S. are:

Health Maintenance Organization (HMO): Requires you to use a network of doctors and get referrals for specialists.
Preferred Provider Organization (PPO): Offers more flexibility with out-of-network providers and doesn’t require referrals.
Exclusive Provider Organization (EPO): Similar to HMOs but without referral requirements—coverage is only for in-network care.
Point of Service (POS): Combines HMO and PPO features; you need referrals but can go out of network for a higher cost.

These plans vary by premiums, provider access, and out-of-pocket costs—so comparing them is key before enrolling.

3. Which healthcare insurance is best?

The best healthcare insurance plan depends on your personal needs, budget, and medical history. If you want lower costs and don’t mind sticking to a network, an HMO may work best. If you prefer flexibility and out-of-network options, a PPO might be better. For frequent travelers or specialists, EPOs and POS plans offer middle-ground options. Use comparison tools and check if your preferred doctors and hospitals are covered to find the most suitable plan.

4. What are the 3 most important insurances?

The three most important types of insurance for most people are:

Health Insurance – Covers medical expenses and protects against high healthcare costs.

Life Insurance – Provides financial support to your family in case of your passing.

Auto or Home Insurance – Protects your car or property from damage, theft, or liability.

These insurances provide financial protection against life’s most common risks and are essential for long-term security.

5. When should I get insurance?

You should get insurance as soon as you have financial responsibilities or dependents. Health insurance is essential once you’re no longer on a parent’s plan or when starting a job. Life insurance becomes important when you have a family or significant debts. Auto and renter’s/home insurance are crucial as soon as you own a car or property. The earlier you secure coverage, the more affordable and beneficial it typically is.