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.
Some people keep copies of tax returns for the prior 3 to 5 years in their boxes as well though I’m not so sure how important this is since your accountant will have copies as well.
Interest rates are usually locked in for the term of the CD, although some banks allow you to take advantage of higher interest rates by converting your CD. This type of CD is called a “step up” CD. Generally, banks will only let you “step up” once during the term of the CD.
If you only have a few valuables to store, though, it may be safer and cheaper to keep them in your watch safe box. But if you need more storage space, a safe is probably the best bet.
Up until the FDIC was created in 1933, you really had to have a ton of trust in your bank if you were going to open of a certificate of deposit. Similarly to today, much of the trust had been eroded, and the FDIC was created to guarantee the deposits that the bank held. Up until last year CDs were guaranteed by the federal government up to $100,000. You can actually have far more insured if things are structured properly, but that is an article for another day. However, this last year, Congress passed, and President Bush signed into law a temporary increase to $250,000 that is set to expire 12/31/2009. So the first benefit, unlike your investments in the stock market, mutual funds, ETFs, etc., your principal is backed by the full faith and credit of the US Government.
One of the fine offerings in Casino Tropez is Loyalty. Its Loyalty Program allows you to make use of larger bonuses. Regular cash offers help you to try the new games, learn the new tips or add perfection to the existing ones as a result of which you can win huge jackpots. As a player, you get opportunity to earn comp points, where you can cash them and enhance your VIP level.
With the price of gas and the value of your time, it just makes sense to use a diversion safe to stash valuables in your home in plain sight, where you can easily access them.
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.