Choosing between a house safe and a security box at a bank are easily done when you set the good and the bad side by side. Both offer great security options, but which one truly is right for you? Is safety the only thing to consider? Which is more expensive?

Sometimes a Safe deposit box for sale is forgotten for decades. About seventy years after the criminal mastermind and reputed billionaire Al Capone died in prison, a closed bank that he once owned in Chicago was found to have a long forgotten, secret locked underground vault registered in his name. His money had never been found. A national television network bought rights to show the drilling and re-opening of this vault ‘live on TV.’ Many people, myself included, tuned in for the grand opening. We thought it would be an event to equal the discovery of King Tut’s fabulous tomb in Egypt. What happened? It was a good show with a let-down for an ending. Apparently, someone with a spare key to Al Capone’s safe deposit facility had arrived there first. Nothing of the slightest interest was in the vault.

ETF’s are liquid. You can buy and sell them in seconds inside any stock brokerage account. But they have some drawbacks. Biggest is taxes. Unlike a regular ETF, precious metals ETFs are treated differently by the IRS, and you will have to pay income taxes each year whether you sell them or not. Additionally, they are treated as regular income, not capital gains, so you pay a much higher rate. Before you buy any ETF’s, speak with a tax advisor to determine which rules affect you and whether they have been changed since I last checked them.

Wrong kind of ownership: There are three types of joint ownership. Your share of assets don’t automatically go to the other joint owner on your death. Be sure you have the proper joint ownership in your state.

Deuteronomy 17:14-20 is God’s instructions to the Israelites to appoint a kings who will fear God and observe his laws. God knew that when the Israelites settled in the Promised Land they would ask for an earthly king to lead them. The only way for the king to make wise decisions was to write out God’s laws and read them daily. The king’s strength was not to be in wealth or political alliances, but in God’s Word. It is an anchor in stormy times. It sustains us and keeps us on the course God has planned for our lives.

Inform your good neighbors that you shall be away; ask them to keep an eye out on your house. Caveat: Don’t tell too many people your plans, remember loose lips sink ships. One offhand comment could lead to calamity, so don’t be a blabbermouth. Just let one or two neighbors that you are on good terms with know what’s up.

Many of us forget that were it not for what we carry in our wallets or in our purses, we’re all John and Jane Doe’s if we can’t speak due to injury or are unaccompanied by someone who knows us. How much less stressful is it to know that in a bank box, no matter where you are, there are items that can verify your identity. Better to be safe, than sorry!