Archive for January, 2015

The Two Minute Rule

2minruleImagine being sound asleep in the middle of the night when suddenly your smoke alarms start blaring. Your house is filling with smoke. Do you know what to do? According to the American Red Cross (ARC), fire experts agree that people have about two minutes to escape a burning home.

With this in mind, ARC created the Home Fire Preparedness Campaign to reduce the number of fire related deaths and injuries by up to 25 percent over the next five years. You can be a part of this movement by having a fire escape plan that includes the following:

  • Make sure all members of the household know how to get out of every room in the house;
  • Pick a place outside where everyone can meet and be sure everyone knows where it is;
  • Practice waking up to smoke alarms, low crawling and meeting outside;
  • Practice your home fire drill until everyone in the house can do it in less than two minutes; and
  • Make sure everyone knows how to call ‘911’.

The U.S. Fire Administration (USFA) says people are at greater risk for home fires during the winter months. Now that the season is here, use the American Red Cross website to begin planning; then check out the videos from the USFA to learn how to conduct a fire drill with your family today!

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Identity Theft Prevention

identity_theftDespite the perverse nature of identity theft crimes, victims almost find it difficult to get meaningful help from government agencies. It is not a violent crime. There is not enough funds available to support dedicated investigative resources to help victims resolve the “horrible turn of events” that have ruined their financial standings and credit ratings. It’s up to you to be proactive in your efforts to protect you and your family from identity theft. Experts include these five tips:

  1. Always shred applications for credit cards before tossing them in trash.
  2. Keep accurate records of your credit card purchases and check your bills monthly carefully every month. Report any unfamiliar charge to your credit card company o bank immediately.
  3. Never give your date of birth, social security number, or mother’s maiden name to anyone who calls you on the phone; no matter who they claim to be, or what company they claim to represent. Always ask for the company’s main business number. Verify it with your phone company’s information service or internet search. Then call the individual back.
  4. Subscribe to Identity Theft protection; there are several ways to do this. For example, your insurance company, the major credit bureaus or an independent company.
  5. Check your credit ratings periodically; at least once a quarter; to look for errors.

These simple Identity Theft tips will help protect you from being a victim.

Reprint from – Security Central

 

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Tips for Coin Collecting

coin-collectionCoin Collecting can be fun and entertaining however if you have limited experience than the hobby can get expensive. We listed 10 tips for coin collecting down below:

  1. Buy the book before the coin. Knowledge is king in coin collecting. There are several books that specialize in coin collecting and a subscription to “Coin World and/or Numismatic News” is a must.
  2. Focus on one coin series at a time. A collector adds to his/her favorite series and an accumulator has a hodge-podge of “stuff” leading nowhere.
  3. Learn to grade coins and acquire coins graded by reputable third party grading services. Viewing many coins (a.k.a. gaining experience) allows you to determine for yourself the grade of a coin. When one is a beginner, coins graded by ANACS, ICG, NGC, or PCGS make good starting points, as do the opinions of others more experienced numismatically, but ultimately one must acquire a personal sense of the grade of a coin.
  4. Buy the “Keys” first!. Every coin series has “Key” coins that are scarce and always in demand. They just never seem to get cheaper than they are today.
  5. Periodically sell a coin. Occasionally selling one of the coins you have purchased provides a sense of grade and market value of the coins that you are buying.
  6. Homework can be fun. Keep reading, viewing coins and learning! Nobody knows it all regarding coins, but every collector/investor in coins keeps adding to his/her knowledge.
  7. Network with other collectors. Join a local coin collecting club. The potential to make friends, learn more and share what you have learned about coins is a joy.
  8. Find a dealer whom you can trust. In a largely unregulated market, there are both helpful and trustworthy dealers and those interested primarily in emptying your wallet. Start inexpensively with a dealer, get second opinions on your purchases and get to know your coin collecting dealer.
  9. Buy the best coins you can afford. Owning original, uncleaned, no problem coins which are of the highest grade and rarity that you can afford helps to ensure that your coins will quickly “find new homes” with other collectors.
  10. Have Fun! You only go around once in Life. The potential for enjoyment and self-fulfillment is pretty much unlimited in coin collecting; Have fun and welcome aboard!!!

And Always store in a very safe and secure place. Colorado Vault & Safe Deposit Box has different size vaults for your storage of coins and precious metals. Visit us at www.cvsafebox.com for more information.

Reprinted from Bob Bair – R. Bair Rare Coins

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Are Your Valuables Safe?

We invite you to stop by and visit us to learn more about how we can help you.

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Call us at (720) 879-7134

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Co-Founder Frank Robinson

Frank Robinson graduated from Boise State University with a degree in Business Administration, emphasis in Human Resources. He also has a Master of Arts in Organization Management from the University of Phoenix. Frank played professional football for the Denver Broncos and Jacksonville Jaguars for 3 years. Learn More...

Co-Founder Stewart Gallagher

Stewart Gallagher graduated from Colorado State University with a Major in Political Science and minors in both Economics and Philosophy.  Over the past 12 years Stewart has worked for 3 major financial intuitions holding various positions from teller to Assistant Vice President-Branch Manager. Learn More...