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Safe Buying Guide
Safe Buying Guide
Home or Office Safe
Buying Guide
Search Our Safes by Dimensions
We get
questions from our customers regarding our fire
and theft safes, some of these questions like:
- What
kind of safe should I buy (What is the best safe for me)?
- Where
to Buy a Safe (Locale vs. Online)?
- What
should I use a safe for (what to store in my safe)?
We
will try to answer these questions to the best of our knowledge as we think is
beneficial for our customers to determine which safe is right for them.
- Where do you want to use the safe? Is it
a home safe or office safe? Usually home safes are for personal use, while
office or business safe is used to store business records/data which can grow
over the years. So the size of the safe is determine by where the safe is used
and what will stored in the safe.
- Tip: for office safe select a
safe larger than what you have to store, you have more to store next year and
the year after..
- What kind of safe to buy?
- Do you need a fire
proof safe to protect valuables from fire? In this case you
need to select a fire proof safe, there are safes that can withstand fire
for 1 or 2 hours, the choice is yours.
- If the safe is used to
protect valuable from theft only then you do not need a fire proof safe,
but it is highly recommended since it only a few more dollars.
Tip: select a burglary safe that can be bolted
to the ground for added security.
- Drop
safes are great for giving access to everyone to deposit cash,
documents but they are not fire proof.
- If you are planning on
using your safe for data or media then a media safe or they are called
sometimes data safe is the best way to go, they provide fire proof,
moister and water proof.
- Do you want to hide
your safe behind a picture? Then a wall
safe is the way to go, just keep in mind not all wall safes are fire
proof safes, most wall safe fit between the standard studs in your home
or office wall, before shopping for a wall safe find out the distance
between the studs in your wall to minimize the installation time and
expenses.
Tip: Selecting the location to install a wall safe before
buying one is very important, some wall safes are deeper that the wall
thickness and it will stick out from the other side of the wall, having a
closet or a storage room in the other side of the wall is a perfect way to hide
the back of the safe while the front is hidden behind a picture. - For large
safes and extra
large safes see our selection
- Gun
safes: For hand gun safes you need to consider a few things like: do
you keep the gun in the house? Do you carry it in your car? If you keep
in the house and you want the children to be safe around it then you have
quite a few safes that you can choose from, basically any home safe will
do. To keep a hand gun secure in the house and the car then the best
option to get a light safe that can be mounted in the car or in the house,
one thing that comes to mind is the BioVault
safe from Sequim, This safe is a fingerprint and can be mounted in
the trunk of the car or beside your bed.
- Now you know what kind and size of safe
you need, the obvious question where to buy a safe?
a. Local stores ? if you have the
time to drive around town and compare prices then do it, just be careful, some
store markups are very high, after all they have to pay a large utility bills
and employees, and guess who will pay for that? The customer. Also pushy
salesman might make a safe looks like the right safe for you when it is not,
just to make a sale and commission.
b. Online Stores ? Convenient, no
pushy salesman, no large overhead and the markup usually a lot lower than your
locale stores, be careful of the shipping charges, some stores have excessive shipping. This
was a guidelines to help you select your safe, whether you are looking for a
fire proof safe, drop safe, wall safe, media safe, depository safe, data safe,
you can use the same method and determine which safe is best for you.
Other question also been asked, what should I store in my
safe?
Many
customers ask us about what they should keep in a safe. Below you will find
some suggested records and recommended lengths of time to keep those records.
When in doubt, please consult your accountant or financial advisor.
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Record
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Recommended
retention period
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Taxes
- Returns
- Charitable contributions
- Mortgage interest statements
- Retirement plan contributions
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7 Years
- The IRS has three years from your filing dated
to audit your return for good faith errors.
- The IRS has six year to challenge your return
if it thinks you under reported your gross income by 25% of more.
- There is no time limit if you failed to file
your return or filed a fraudulent return.
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IRA
Contributions
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Permanently
If you made a
nondeductible contribution to an IRA, keep the records indefinitley to prove
you already paid tax on this money when the time comes to withdraw.
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Retirement
Statements
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1 Year to
Permanently
- Keep the quarterly statement from your 401K or
other plans until you receive the annual summary; if everything matches
up, then toss the quarterlies
- Keep the annual summaries until you retire or
close the account.
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Bank Records
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1 Year to
Permanently
- Go through your checks each year and keep those
related to your taxes, business expenses, housing and mortgage payments
- Throw away those that have no long-term
importance
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Brokerage
Statements
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Until you sell
the securities
You need the
purchase/sales slips from your brokerage or mutual fund to prove whether you
have capital gains or losses at tax time.
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Bills
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From one year
to permanently
- Go through your bills once a year
- In most cases, when the canceled check from a
paid bill has been retuned, you can get rid of the bill.
- Bills for big purchases such as cars, rugs,
appliances, antiques, jewelry, computers, etc. should be kept in an
insurance file for proof of their value in the event of loss or damage
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Credit card
receipts and statements
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From 45 days
to 7 years
- Keep your original receipts until you get your
monthly statement; toss the receipts if the two match up.
- Keep the statements for seven years if tax
related expenses are documented
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Paycheck stubs
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One Year
- When you receive your annual W-2 form from your
employer, make sure the information on the stubs matches
- If it does, toss the stubs
- If it doesn't demand a corrected form known as
a W-2c.
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House/Condominium
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From 6 years
to permanently
- Keep all records documenting the purchase price
and the cost of all permanent improvements, such as remodeling,
additions and installations
- Keep records of expenses incurred in selling
and buying the property, such as legal fees and your real estate agent's
commission, for six years after you sell your home.
- Holding on to these records is important
because any improvements you make on your house, as well as expenses in
selling it, are added to the original purchase price or cost basis. This
adds up to a greater profit (also known as capital gains)
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Copywrite Discount Home Office
Created 3/12/2007
Updated 04/18/2008
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Do you have the perfect spot for a safe?
Are you limited to what size of safe you can fit in that spot?
Search our safes by Dimensions
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Safe Buying Guide
