I understand how hard it can be to quit. Though I am now credit card debt free, I once used them quite frequently. I charged up more than I should have buying things that I probably don’t even have anymore. My husband and I sacrificed, paid them off and put them in our past.
One client told me the sad story of how after a long hospital stay due to cancer, he discovered that his box in a public self-storage unit had been opened after a year for non-payment of rent. The contents were sold at auction. He had a collection of old stock certificates that were worthless as stocks, but of great value to collectors. One had a rare original signature of inventor Thomas Edison. They were disposed of as scrap paper.
Priceless memorabilia like photos or disks with your pictures should also be kept, specifically in a fire proof safe. When you think about all the valuables you own, most can be replaced, but your family photos cannot. Protect them in a fireproof safe. If your pictures are on computer drives or disks you will need to make sure the safe you own has the right protection. Some safes only provide fire protection to papers and other items that do not melt. You will need to make sure you have chosen one that is specifically meant to protect computer equipment.
In the very latest high-tech watch safe boxes, there is no key. These safe-deposit boxes can be opened only with fingerprint scans. Another solution is to use boxes in places where they have combination locks. Experienced safe-crackers are good at opening combo-locks. They are less secure than complex keys – in our experience. We are likewise not keen on secret memorized numbers. Why? Because we have more than once forgotten an important combination or password.
It is hard to stop spending money. We are so indoctrinated into believing that we can just buy now and pay later. What we aren’t told over and over again is that when we pay later, we pay big time.
There’s nothing worse than returning home to find your home broken into. Whether you were away for a month or a matter of hours it can happen to you. It’s therefore very important that you lock away your valuables so that even if someone can break into your home, they won’t be able to find anything worth stealing.
Deposits at FDIC-insured institutions are insured up to at least $250,000 per depositor until December 31, 2009. On January 1, 2010, FDIC deposit insurance for all deposit accounts-except for certain retirement accounts-will return to at least $100,000 per depositor. Insurance coverage for certain retirement accounts, which include all IRA deposit accounts, was increased permanently to $250,000 per depositor in 2006.
Usually, there is an itemized receipt accompanying your deposit check. If there is not and you feel that the landlord took to much, you have every right to call him and tell him to produce a receipt. If he has nothing to hide, he will send it right out. However, if there is something to hide and they are not willing to give you your money back, then you will probably need to take him to small claims court.