they could also, sooner or later, end up in possession of sensitive documents or other portable activities of great value that should be kept in a safe place - such as a safety deposit facility offshore.
What kind of things are we talking about? Any valuable documents. Things like automobiletTitles, Coins (rare), Passports, Bearer Shares, citizenship records, sales invoices, pension records, school transcripts, fiduciary documents, immigration documents, rare stamps, mortgage documents, and so on. You can also store data such as USB storage or backup DVD keys securely off-site.
A safe is also recommended by many experts for estate planning purposes. To move the contents of a safe deposit box to your heirs, without any formalities, all that is required is that another person has access and a key. This is accomplished by having the heir is a signatory on the box. If you do not want them to have access during your life, you keep the key and arrange to be delivered to them in a sealed envelope with instructions after your death or disability.
If you use a bank or an independent Deposit Company security?
Generally, the best solution is to rent a safe deposit box in a reliable major, first-class bank - not just a box company. Many banks require that you also have an account with them and that the withdrawals to pay rent for dialogue be authorized.
Why should you use a bank rather than an independent company safe? Because independent companies seem to bend or get robbed with great regularity. As systems of public storage, they are also often used by less desirable characters.
On the other hand, a private storage dress may not require any identification to open a box. They can accept any nom de plume you care to give them. Customers can be admitted on the basis of a plastic card, with no need to access. As this box is not linked to any account or payment structure, it is necessary for the user to pay several years in advance. This will avoid the box that opens, and the contents sold for nonpayment of rent.
One customer told me the sad story of how after a long stay in hospital due to cancer, found that his box in a public self-storage units had been opened after a year for failure payment of rent. The contents were sold at auction. He had a collection of antique stock certificates that were useless as stocks, but of great value to collectors. One had a rare original signature inventor Thomas Edison. They were disposed of as waste paper.
The best countries for Offshore Safe Deposit Boxes
Austria, Switzerland and Luxembourg are traditional safe havens that are perfect for the safe deposit boxes. A good country for a box is one where there is no need to show a passport or go through any check to the formal borders. This is not the case with Switzerland - unless you take your chances on one of the very few places Border unmanned!
Vienna and Zurich airports are also convenient hubs of national airlines. You can comfortably go through these countries when traveling between other cities. Just arrange a stop long enough to visit your supply; putting in or taking out what you need. For a local safety deposit box it is not necessary to seek a tax haven. Any stable peaceful country where property rights are respected is more than good.
Almost all banks offer safe deposit boxes. If your are in a country where there are no problems, do not much matter which you use. But you should have at least one trusted person who knows the box and is able to access it. If you have an accident it is important that your box will not be forgotten or abandoned.
Keep the security key!
After opening the box, consider depositing the key in a sealed envelope with the bank's housing office or your own private banker. This ensures that the key will not be found on your person, or one of yours by anyone with dubious intentions, as your soon-to-be ex-wife.
Many of the bank's safes have two keys - one is held by you. The second (a general pass key) is maintained by the bank. Only with both can be opened the box.
In the most recent high-tech safes, there is no key. These safes can be opened only with the scans of fingerprints. Another solution is to use boxes in places where they have combination locks. safe-cracker experts are good at opening combo-locks. I am less sure of complex keys - in our experience. We are not so fond of stored secret numbers. Post why? Because we have more than once forgot an important the combination or a password.
Make sure you can access the box without showing ID, if lost and need to get your backup copies that are thoughtfully secured inside the box! Some banks, particularly those in Zurich, they want to see and ID photocopy every time you log on to the box - even if they are well known. Where ever your box may be, be sure you are introduced to several of the staff that can help you access your dialogue without ID if you need to. Tell them to take a good look and remember personally so you can always access the box or the money in the account without any identification. Tell them your favorite joke stupid story and tell them to remember so that you can say it again many years later. Then they will remember you!
Shhh ... Can you keep a secret?
Do not just take a key safe and keep it on a gold chain around his neck at all times. This is something that movie villains do.
If you want something secret, always thinking ahead. Do not tell anyone about it. Leave the key and instructions with your personal banker or someone you trust implicitly. Also think about the future! Leave the death instructions in your box - in case something happens to you. These can be written, or may be on a CD in the form of videos. Your box will be opened after about a year or two of inactivity - if and when the annual fees are not paid.
Sometimes a safe deposit box is forgotten for decades. About seventy years after the criminal mind and prominent billionaire Al Capone died in prison, a closed bank that once the property of Chicago was found to have a long-forgotten, underground secret vault closed registered in his name. His money was never found. A national television network bought the rights to show the drilling and re-opening of this store 'live on TV.' Many people, including myself, tuned for the grand opening. We thought it would be an event to match the discovery of the fabulous tomb of Tutankhamen in Egypt. What happened? It 'was a good show with a let-down for a final. Apparently, someone with a security deposit operations for spare key of Al Capone had arrived first. Nothing of the slightest interest was in the vault.
Your secrets die with you?
Most offshore banks require that you have a bank account with them and they are allowed to pick up your annual safety deposit box rent payments from that account. With these instructions and automated payment could be dead for many years before being presumed dead, and your box is drilled. Thus the banker should perhaps be instructed to open the instructions (not your box) in case he does not hear from you for a certain period of time, say as three years. Better yet, the banker must be educated "after three years of no contact, please contact my lawyer, XYZ, or your kids, wife, best friend." A trusted person should have instructions on what to do with your assets in the event of death, disappearance or disability. Your banker should be told what to do or how and when it is in contact with those people who definitely know where you are.
Perhaps someone you trust, who has nothing to gain from you sued, should be given a sealed power of attorney or an assignment longer a valid will so that all loose ends are tied. Without this, in Switzerland, for example, the bank keeps your heritage! Simple as that. In English-speaking countries there is usually a law covering forfeiture dormant accounts and safe deposit box contents abandoned package. In England, unclaimed money and assets go to 'The Crown.' In California, the Box and outstanding accounts for more than seven years, they go to the pension fund for teachers.
In these cases, the heirs have only a very limited time to make the claim. Most never do because they never learn of activities.
Your Safe Anonymous in an Austrian palace
The Swiss and Austrians generally excel in execution of discreet security deposit facilities. In almost all countries, ID is required to rent a safety deposit box. But in Austria, at the time of writing, there is a company that offers safe anonymous safe. It 'been around for years and has been highly recommended by a reader. It 'a good place to store second passports, credit cards and other PT objects that you may not want to keep in your country.
This company has its facilities in the basement of a beautiful Viennese building. 'S name is safe Das and his site is Http://www.dassafe.com If you are on of Vienna is, you can visit Auerspergstrasse 1.' re expected to 're remain in business for a long time to come, but for how long will be allowed to take anonymous business is an open question.
The other safety deposit facilities recommended in Austria are the branches Schoellerbank (where no key is not needed - access is regulated by an electronic scanning of fingerprints) and Raiffeisenbank enclave 'secret' Jungholz.
A reliable Deposit Company in Prague
Another service we know is Deposit Prague in the Czech Republic. They require valid ID to open a box. The service from then on is highly professional and discreet, no ID required to access later. You can pay up to five years in advance. The entrance to the main vault is self-service with a swipe card system at the main door. You can give the port card and the key for anyone. They can then access the safe, without the need to satisfy any subjective or identify in any way.
This particular company is a joint venture between one of Czech banks and Chequepoint chain of moneychangers. It 'been around since 1992. They are located in the basement of an old bank building just off the famous Wenceslas Square. They welcome visitors to stop and inspect facilities. The address is 28 Ijna 13. The site is not currently available in English, but if you do visit them there speak English.
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