When it comes to your home you will always want to keep it safe and secure and there are very few people who would leave it unlocked while they’re away. However, a lot of people do leave their valuables on clear display or at least not locked away and this is never a good thing. Deposit safes are ideal to keep your valuables safe while you’re away from home and you can find a huge range of options on the web.
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.
Also, check out their deposit bonuses and reload bonuses. If they seem to good to be true they probably are. So pick a casino with a better than average deposit and reload bonus, but a realistic one. Also read up on how to redeem these bonuses. Usually you just have to make a real money deposit and play to get them. Last don’t shy away from a free chip or timed free play as a bonus. These are usually pretty good bonuses and let you play the casino before you deposit.
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.
Shopping on the internet, I found rates for a $1,000 1-year CD in my local area ranging from 2.96 to 3.97 APR and a 3.00 to 4.05 APY respectively. So if I invested $1,000 at 2.96 APR, at the end of 12 months I’d get paid $1,030.00 by the bank (figures computed with interest compounded monthly). That same $1,000 invested at a rate of 3.97 APR would return $1040.43.
As far as commercial properties are concerned, there are not yet any laws to protect the renters in this case. However, if you are concerned regarding the use of your deposit, there are actions you can take.
Financial institutions are willing to give you this guaranteed return because they can generate higher returns lending your deposited funds in consumer and business loans. You get the agreed upon Annual Percentage Yield (APY) from the Certificate of Deposit, and if you invest wisely you don’t have to worry about risk.
You can make a term deposit plan online. Several financial institutions offer various kinds of plans. It is best that you invest with reputed companies rather than brokers. True, they might be offering you a lower rate than brokers. But at least they are safe. It is also best to invest in a scheme that is simple and has no frills. Usually, the ones that appear too good to be true are the ones that could land you in trouble. When you purchase a plan, take your time with it. Read all the little details in the brochures and forms. It could save you from a lot of trouble in the future.