There are a million details that crop up before a move. Use this handy checklist to help you remember what needs to be done.

Banks. Close current accounts if they are not transferable and establish new accounts at your new location. Be sure your old bank has your new address.

Insurance. Notify your agent of your new address and discuss how your insurance needs may change with your move. For instance, you probably won't need as much coverage if you're moving from a house to an apartment.

Utilities. Establish cut-off dates and give your forwarding address to all utilities and services including telephone, cable TV, electricity, gas, water and garbage removal. Arrange for utilities to be started in your new home so everything will be working when you arrive.

Medical records. Obtain records from your doctor(s), dentist, ophthalmologist or optometrist, and veterinarian. If you've already selected new health care providers, make arrangements to have your records sent directly to them.

Delivery services. Arrange to discontinue home delivery of newspapers, milk or diapers.

Recycling. You probably won't want to move many items, ranging from partially filled cans of paint to that old, broken refrigerator. Your community may have strict requirements relating to the disposal of these items, so call town hall to check on your options and arrange for their collection.

Change of address. Fill out a forwarding address form at the post office and pick up a stack of change-of-address forms to send to the following:

• Family and friends
• Magazines (give them four to six weeks notice) 
• Credit card companies
• Pension funds and investment firms
• Professionals such as your lawyer, accountant and realtor
• The IRS, Social Security office and government or military pension offices
• Your workplace, schools and alma mater
• National associations or clubs
• The voter registration office and motor vehicle bureau