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Better to penis enlargement penis enlargement pill Be Safe Than Sorry




Many documents in your possession may either be impossible to replace, or extremely difficult to replace, should the need arise. A safe-deposit box or a fireproof box is the perfect solution to storing these types of documents. You will need to determine whether or not you want the document stored on-site at your home, or off-site at your bank.

Items that Should Not be Placed in a Safe Deposit Box
Anything you would need in an emergency
Will
Living Will / Medical Directives
Funeral or burial instructions � in case you need them over the weekend
Power of Attorney Originals
Passports � in case you need to take a sudden trip outside the country

Insuring Contents of a Safe Deposit Box

Be sure to read the contract for your safe deposit box carefully. Banks do not insure the contents of what you put in the box. Fire, floods and theft are very rare at banks, but it does happen. Most banks will only be liable if you can prove that they were negligent and failed to use reasonable care to prevent a loss. If you are concerned about this, you should check with your insurance agent to find out if you need additional coverage for items penis enlargement review placed off-site that may not be fully covered under your homeowners or renters insurance policy. Items typically placed in a safe deposit box that you would want insured may be; jewelry, coins and stamps. If you are storing checks or cash in your safe deposit box, you also will not be covered under the FDIC since you have not deposited them directly into your account.

Items to store in a Safe Deposit Box or Fire Proof SafeThe following list is intended to be a reference for you. It may not be a complete list of the documents or articles in your possession that you need to protect in a secure environment. You may wish to store all of your items at home in a fire proof box, or you may desire to store them off-site in a safe deposit box. You might determine that the best solution for your needs is to have a combination of both � storing some of the most important and most difficult documents to replace in a safe deposit box and the rest in a fire proof box in your home. The solution you choose to store these important items is for you to decide, but which ever solution you select, be sure to follow through and take the steps needed to store these important documents. You will thank yourself later when you are looking for these documents, or heaven forbid should there be a fire or flood in your home.

� Adoption Papers (Originals only)

� Automobile penis enlargement pills title(s)

� Bank account numbers and contact information

� Baptismal and other Religious Certificates

� Birth certificates (Originals only)

� Cemetery Deed (Originals only)

� Child Custody Agreements or Parenting Plans (Originals only)

� Citizenship papers (Originals only)

� Collectibles that are valuable

� Credit card account numbers (copy the front and back of each card so you have both the account number and the customer service numbers)

� Death certificates (Originals only)

� Diplomas

� Divorce decree(s) (Originals only)

� Employee Benefit Records

� Family historical information

� Household inventory and appraisals of antiques, artwork, collectibles and furs � you may also want to include photos or videos to help document these items

� Important contracts

� Immunization Records

� Insurance policy names and numbers � (home, auto, medical, life, renters)

� Investment certificates

� Jewelry and jewelry appraisals

� Leases

� Marriage certificate (Originals only)

� Medals

� Military records

� Mortgage

� Naturalization Certificates

� Negatives of important photos � such as those from your wedding

� Patents and copyrights

� Photos of Possessions

� Rare Stamps and Coins

� Real Estate Deeds

� Retirement plan information

� Stock and bond certificates

� Veteran�s Papers

Accessing your Safe Deposit Box in case of an Emergency

In case of an emergency, you will want to know in advance who will be able to have access to your safe deposit box. Different states have different laws on who can access the box when you die. Some states make it easy for a family member or the executor of the estate to access the box, while other states require a court order to remove the will, which will take time and money. You can rent the safe deposit box jointly with a spouse, child, or someone else that would have unrestricted access to the box. They will however need to sign the rent agreement as well. If you die however, in some states there still may be delays for the co-renter of the box to be able to access the contents. Giving someone a key to your safe deposit box, does not give them permission to access the box, rather their name needs to be on the contract with the bank.

Create an Itemized List of Contents

The final steps to organizing your important papers and valuable items is to be sure to create an itemized list of those items that you are storing in either the safe deposit box, fireproof box or both. Be sure that you list the location of each item and the date that it was stored. Periodically, review the contents to see if you need to update any of the items that are being stored, such as new banking or credit card information. If you have a safe deposit box, take the itemized list with you and update it with you while you are there.







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Cyberspace has certainly shrunk the margin of error ...

Colloquialisms used to take quite a while to become embedded in a local vernacular. For example, the Americans expunged the British from the colonies in 1789, but based upon personal letters exchanged between the two countries which have been noted by historians, it took until the 1830s before comments were made noticing a distinct difference in accents between them.

Local dialects will always be a fixture in geographical cultures. However, as more and more of us traverse both cyberspace and the real world, basic pronunciations are becoming a bit of an issue.

I just noticed this again in the world of sport, when a national broadcast featured the recent darlings of NCAA basketball, Gonzaga University from Spokane, Washington. The locals there insist that the name be stated as 'Gon-ZAEG-ah,' but inevitably, sports announcers from elsewhere defer to 'Gon-ZAHG-uh' until corrected by the locals.

However, the Gonzaga name has been a part of Italian history since the 1300s, and anyone who has studied it or been exposed to it from that much deeper context knows that the correct pronunciation is 'Gon-ZAHG-uh.' Ludovico Gonzaga not only established his family's dynasty over the Italian state of Mantua in 1328, but his family became a cultural and military force in that area for the better part of five centuries.

You'll even note that the Spokane university has an extension program in Italy and still steadfastly maintains its preference for the colloquial pronunciation. Trust me, in Europe, it's penis enlargement with vigrx plus called 'Gon-ZAHG-uh.' However, alumni from the Spokane campus, from Bing Crosby to John Stockton, learned to refer to their alma mater as 'Gon-ZAEG-ah.'

This raises the age-old question of proper pronunciation etiquette, of course. Do we go with the traditional and accurate version sizegenetics penis enlargement device of a proper name if we are aware of it or with the colloquial preferences which, for some reason, took hold in a certain area?

Another classic example is N�tre Dame. The correct French, of course, is 'Noht-ruh Dahm.' Use the Americanized version anywhere else in the world at the risk of being castigated as a hayseed. And yet, the Jesuit university based in South Bend, Indiana, obviously prefers the local pronunciation.

The universalization of products broaches the same issue. For example, the German beer 'L�wenbr�u' is pronounced 'LUH-ven-broy' everywhere except in English-speaking countries and the Swedish furniture store, IKEA, is universally stated as 'ee-KAY-uh.' Try pronouncing those in the proper way and it's odds-on you'll be met with a blank stare or looked upon as a snob. But, what have you done except say the name accurately?

Of course, in commercialism, it's the bottom line that dictates pronunciation. There is no better example than the legendary German shoe tycoon, Adi Dassler, who used his own name as the basis for his corporate image. While most of the world refers to his sporting footwear as 'AH-dee-dahs,' Americans somehow found a way to call it 'Uh-DEE-duhs.' Go figure. Dassler never minded, though. Dollars spent just as easily as any other currency.

Other famous names have been subject to colloquialization in their own right. In hockey, Teemu Selanne is a Finnish star who has been in the NHL for quite a while. He may have come to North America as 'TAE-moo SAY-lah-nuh,' but any hockey fan on the continent will know him only as 'TEE-moo Seh-LAH-nee.'

Sometimes, we even see the metamorphosis from universal to colloquial pronunciation occur before our very eyes. In baseball, Bill Mueller has been a solid major-league baseball player since his debut with the San Francisco Giants in 1996. At that time, he went by the traditional German pronunciation of his surname of 'MYOO-luhr.' However, somewhere along the line, he decided and subsequently announced that his surname was best said aloud as 'Miller.' Who knows why? What does one do then? Correct someone on how to state his own name?

Actor Jake Gyllenh�ll has Swedish roots. His surname literally means 'Golden Way' and should be stated as 'YEE-lehn-hole.' North Americans find it easier to say 'JEE-lehn-hall.' I've never seen anything that indicates where Jake stands on the issue. He's probably too busy being talented and rich.

This is why I find it difficult to criticize anyone who uses either pronunciation. It's a matter of context as to who's right. Like the famous breath-mint commercial says, they both are.

My rule of thumb is simple. In any situation, if there's more of them than there are of you and pronunciation becomes a volatile issue, they're right. Otherwise, universality prevails.




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