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When you have opened the box, consider depositing the key in a sealed envelope with the bank’s safekeeping office or your personal private banker. By doing this you ensure that the key won’t be discovered on your person or among your possessions by anyone with dubious intentions, like your soon-to-be ex-wife.
Information on your outstanding debts, due dates, and contact information. It’s important to keep tabs on your finances and protect your credit, in the event you’re displaced by a fire.
Do you keep valuables and keepsakes in a watch safe box? Although, your property is safe, how many times do you wish you had a special item at home so you could enjoy it, but it was just too much trouble to go to the bank to get it. After all aren’t “things” supposed to be enjoyed. You can’t enjoy them if they are not within easy reach. So consequently, they are just stored somewhere and it may be years before you ever see or touch them. What fun is that? A favorite ring, bracelet or necklace should be worn whenever the occasion arises and a special keepsake should be admired and held from time to time. Keepsakes can rekindle joyful and fond memories and can just plain make your smile. So, don’t deprive yourself of joy.
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.
A bank’s safety deposit box may require a small upfront cost. This makes it cheaper in the short run. It also allows for more complacency. You are paying the bank to remain vigilant for you so you may pay attention to things more close to home.
Another benefit is a return on your investment. Depending on the term of your certificate of deposit, the bank pays you interest. The interest is commonly expressed as the APY (annual percentage yield). If you invest $100,000 and the bank is paying you 3.00% APY for a 1-year CD it is easy to calculate your earnings. Another hidden benefit of CDs, it isn’t tough to figure out what you will earn. You simply take the $100,000 times 0.03, and you’ll earn $3000. There are lots of places on the internet that have on-line calculators as well. If you open up a 5-year CD, you basically multiply the 1-year earnings times five. Another hidden benefit is the power of compounding. With the above example you would actually earn closer to $16,000.
Will the expense of levying your debtor’s SDB contents be worth the cost? Anything can happen. Their box could be empty, or it could have rare coins, stolen property, drugs, or a thick stack of $100 bills, or most anything else that can fit. Hopefully, you will find a treasure waiting to satisfy your judgment. The debtor can be in attendance, along with anyone else who has something in their SDB. It is usually fun to watch the debtor’s face when their (formerly private) safe deposit box gets opened.