I forgot to say that I don't know the answer to questions about
contracts partially completed when one party dies. If it was just
the goods it's probably simple, but services, for which the other
party may have bought materials, or even started on the work, etc. I
don't know. Esp. if it's work his survivors are opposed to, once
they find out one of them owns whatever is being worked on.
For example if it's just seeding and fertilizing and putting down some
sod, I'd tell the guy my father hired to go ahead with it, and I would
get my father's check back and pay him myself, If it's building an
observatory with a telescope in the back yard, in the city with all
the city lights, I'd rather have the money. I don't know what the
But those are contract issues.
All I claimed to know was whether a check was still good or not.
You know so little that you should just quit trying to prove to us how
ignorant you are...
And you are wrong about that when you say that a check becomes
non-negotiable upon the death of the maker.
From the Uniform Commercial Code (governing transactions UNIFORMLY in
the United States)
§ 4-405. DEATH OR INCOMPETENCE OF CUSTOMER.
(a) A payor or collecting bank's authority to accept, pay, or collect an
item or to account for proceeds of its collection, if otherwise
effective, is not rendered ineffective by incompetence of a customer of
either bank existing at the time the item is issued or its collection is
undertaken if the bank does not know of an adjudication of incompetence.
Neither death nor incompetence of a customer revokes the authority to
accept, pay, collect, or account until the bank knows of the fact of
death or of an adjudication of incompetence and has reasonable
opportunity to act on it.
(b) Even with knowledge, a bank may for 10 days after the date of death
pay or certify checks drawn on or before that date unless ordered to
stop payment by a person claiming an interest in the account.
This certainly seems to contradict your unequivocal babblings which were
unsupported by anything other than "I KNOW" since, as we all can now
see, you DON'T!
From personal experience, not very 'safe' either.
Ms. and I inventoried EVERY item that went in, we had a well documented
complete list that we double checked for accuracy. Next time we opened the
box, found several items missing, and unbelievably some substitutions. We
confronted the bank, they claimed impossible. They went through that song
and dance about double keys, etc etc. Being pragmatic here, I said I
didn't care that it was impossible, I cared it happened and told them how
we had inventoried every item, the next time we opened the box, nothing
had changed, hmmmmm. After that experience, I just keep the items
somewhere else. and guess what? nothing ends up missing.
I believe you, not them. There is no reason someone can't make a
copy of the customer key before the customer rents the box. Except
fear of the law or of being fired and a lot of people don't fear those
I'm sorry this happened to you.
sentimental value. The loss just 'plays' with your brain. You keep trying
to believe them [bank institution] about the security aspect and the
impossiblity of it happening. Keep questioning your own 'sanity' However,
there were TWO of us cross checking this time.
I posited the possibility of a key copy and was told how the person who
goes with you to the box observes that the number matches the requested
box number on the card, so that could not happen. Every scenario had an
answer, so I gave up and later reclaimed all the contents from the box and
About five years later we were watching a film and one of the actors made
the comment something along the line of "Thank God they put it in a safe
deposit box, at least we can get it." Say What?! Do the writers make this
up, or is this based on some reality from somewhere?
Well of course the key you have matches the box number. The problem
is that some other key also matches it.
I know someone else who had some of this happen to him, or I might not
have been so quick to believe you. But you and he make two.
Yes. Even if it is sealed, warm/cold cycles will cause condensation,
which will feed the mold. Since I doubt any consumer enclosure would
actually be hermetically sealed, you will want to refresh/change the
silica gel from time to time.
Another option to consider is renting a larger safety deposit box at
your local financial institution.
But, you've been shopping at the wrong stores. I would go to may local
locksmith's shop and see what they have in the way of small safes. But,
safes are more meant to be tamper resistant than they are water
If I was wanting to make things waterproof inside such a storage box,
I'd buy one of those home vaccuum packer's for food or clothing. They
advertise them on TV so that you can vaccuum pack your own food and pack
a quilt into a bag the size of a baggie. If air can't get into such a
bag, water can't either.
I think if I wanted to protect something from fire, I'd put it in a
vaccuum bottle like you find inside every Thermos.
If you can vaccuum pack your documents, roll them up and put them in a
vaccuum bottle, they would survive everything but a fall.
I'm now thinking that if you can stopper up that vaccuum bottle, and
store it inside a metal bucket of water...
You can always get a vacuum food sealer that would do dual duty in the
kitchen and in the office for sealing anything in a vacuum sealed
plastic pouch. Heck you could probably protect documents in zip lock
freezer bags too. ^_^
(Amazon.com product link shortened)
For that price, you could buy a food printer and make as many copies
of your food as you wanted.
And you wouldn't have to save the food at all, except on a harddrive
or flash drive. Then when you're hungry, just print some.
I keep a can of silica gel (renewable kind that you pop in the oven for
a couple of hours when the top changes color) and keep both some
handguns and documents within.
Dispense with the desiccant and just use plastic bags and you should be
fine. For valuable papers, I'd think that zip lock bags would do the trick.
"Problem" with the "fireproof" (actually, resistant) safes is the gypsum
material used to insulate is designed to attract moisture - that's part
of it's insulating/fire resisting schtick<g>
Take a clue from the Preppers and make a PVC tube sealed on one end,
screw plumbing cap on the other - liberally lubricated with silicone
grease, toss some desiccant packs in with the papers and put the whole
kit in the safe.
I have a small Sentry 1170 fire safe, but we don't store much in it.
These aren't waterproof, so we haven't had any issues with mold growing
inside. "Supposedly" when there is a fire, the lid kind of melts or fuses
to the box sealing it off from heat and water. I hope I never need to
test it. :)
Also, most fire safes are not rated for "media". In other words, they
keep the contents below 400 degrees or so to prevent paper from catching
fire. However, most media such as video tapes, CD's, or hard drives would
likely be damaged by these temperatures. Media Fire Safes exist, but cost
Finally, fire safes are rated by the length of time they offer
protection. In other words, they may only protect your valuable papers
for an hour or two before the contents get hot enough to burn. What
happens if your house burns for three hours?
A much better solution than a fire/water safe container is redundancy.
Make copies of everything and store them in more than one location. I use
a safe deposit box at the bank to store my backup hard drive and
passports. However, you could also store your duplicates at a friend or
relatives house, or even in a storage unit.
By having duplicates any one of the single items can be destroyed, but
you can still retrieve one of your backup copies from the other location.
For instance, if your house burns down and falls into the sea, you can
still get to the safe deposit box at the bank. If the bank falls down in
an earthquake, you'll still have your copies at home.
If possible, you should try to select locations that don't share the same
risks. In other words, don't store papers at your neighbors house if
you're both in a flood zone. I live on a hill so I don't have to worry
much about floods. On the other hand, forest fires are a risk here but
the bank downtown doesn't have to worry about that.
For your digital media (hard drives), remember to rotate your drives
routinely. This will prevent the mechanisms from sticking due to unuse,
and will ensure your backups aren't too outdated.
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