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最頂引就係..銀行自行爆開個箱之後的所有費用..係戶主承擔..哈哈

Hunt for Taxes: Safe-Deposit Boxes Under Attack

https://www.armstrongeconomics.com

匯豐保管箱單野...馬田都有留意



HSBC is altering its oversight of safe-deposit boxes in Hong Kong. Governments are targeting safe-deposit boxes to look for cash that is hiding from taxation. HSBC, a U.K. bank, is now moving against claimed financial crimes by altering conditions for safe-deposit boxes. This is becoming a global trend. Anything of value that is stored in a safe-deposit box is now considered money laundering. Governments want their taxes and all the laws are changing to ensure they get their money.




匯豐改條款可自行開啟客戶保險箱　任建峰：全球銀行均愈需掌握客戶資料

2016-5-30 18:55字體：AAA
《南華早報》今日報導，匯豐銀行上月就其保險箱新使用條款向客戶發信，新條款列明銀行有權在未預先通知或取得客戶同意下，處理保險箱中非法、冒犯或具滋擾性的物品。然而，信件並沒清楚解釋「非法、冒犯或具滋擾性」三者分別的定義，亦沒說明銀行職員可於甚麼情況下開啟保險箱，並處理當中物品。

報道引述資深大律師蘇朗年批評，新條款賦予匯豐「極權」去處理客戶的保險箱物品，侵犯個人私隱。他形容條款「荒謬」，違背了保險箱標明「安全」的使用原意。

不過本身為律師的法政匯思召集人任建峰接受《852郵報》查詢時表示，法律並沒訂明銀行開啟客戶保險箱的權限，需視乎每間銀行的實際條款。對於有人質疑銀行會否為配合政府調查而打開保險箱，任建峰指，政府依舊需先向法庭申請搜查令。另一方面，他解釋「非法」物品於法例有清晰指引，而「冒犯」及「具滋擾性」的定義則需參考有關案例。他補充指，銀行愈來愈需要得知客戶資料是全球大趨勢，以加擊黑錢交易等犯罪行為。

匯豐發言人接受傳媒杳詢時表示，因保險箱有機會被濫用作犯罪用途，而匯豐有責任維持金融體系的「誠實性」（integrity），更新條款僅為防打擊商業罪案、加強與執法機關合作之用。他強調，改動條款並不會影響保險箱服務的安全及私隱性，客戶可獲得周全保障。他其後補充，非法物品包括爆炸品、易燃液體、武器、賊贓等，又稱條款改動與英國銀行的做法一致。

(圖片來源：蘋果日報)

Should You Store Gold Overseas? International Gold Storage Options

GOLDSILVER.COM,見議儲存金銀的地點中,

 香港是其中一個安全的地方....

 

These days, you don’t have to be Auric Goldfinger to buy, ship, and store your gold overseas.  

With prevailing uncertainty in the world's political climate and the possibility of increased regulation, international gold storage is today more common and accessible than you might think.  
With a few clicks of a mouse, you can secure your precious metals at an overseas, fully insured depository at locations as geographically and geopolitically diverse as Hong Kong, Singapore, Germany, and Canada.

Yet, when considering international gold storage, many investors often overlook important factors, which could not only impact the cost, but the total outcome of your investment.

When contemplating an international gold vault, use the strategic steps below to determine if international gold storage is right for you.

 

***

Understand the Pros and Cons of International Gold Storage

1) Factor in the shipping and insurance to get your precious metals to their storage destination.

a) When you purchase gold bullion, you will most likely pay the shipping and insurance to get your metals to the gold storage facility of your choice.  Even when you sell your precious metals at a later date, you will most likely need to pay for shipping and insurance to get your gold bullion back to your dealer before being paid in full.

 

2) Determine your monthly storage fees specific to your gold vault storage facility.

Gold storage pricing models will vary based on account value, metal type, ounces in storage, or combinations of these. 

 In most cases, there is going to be a charge for gold storage and a separate charge for storing silver bullion storage, so determine your potential fees with this factor in mind.

a) Try and understand your potential storage fees in the future by factoring in what your estimated overall storage fees could be if your metals were to grow to the desired value you aspire.

b) If you plan on accumulating ounces over time, then you should factor in an estimation of what the potential value could be based on your goals.

c) Your gold storage account is your ultimate safe haven money.  It is best to choose a third party segregated vault storage facility where your payments are due in dying fiat currencies. Your safe haven bullion holdings should not be siphoned away in fractionalized ounce or gram fees.

 

3) Define what percentage of your investment you want to be in gold bullion and or silver bullion.

For example:  

If you have $25,000 and want to purchase 500 coins of the American Silver Eagles (valued at approx. $ 19,000 today) and use the balance (approx >$6,000) to buy 3 American Gold Eagle coins, then depending on where you store your metals it could cost you a minimum of $60 per month in storage fees, or $720 annually.

Therefore, determine if you really want to pay storage fees for 3 gold coins or consider securing them yourself as securing gold is very doable as it does not occupy much space in comparison to silver.      

Making prudent, cost benefit analysis-based decisions, could help you to minimize your storage payments. 

 

4) Consider potential customs / duties / taxes associated with international delivery.

Verify if there are going to be any potential customs / duties / taxes once the metals are shipped into the destined country as well as when they are shipped back into another country when you sell.  Some countries may have a Values Added Taxes (VAT) or a Goods and Service Tax (GST) or other forms of fees; take initiative to understand if there are any taxes / fees you will be responsible for.

 

5) Consider your budget overall.

The capital you have to purchase bullion with can have an impact on your decision as well.  Factor in your costs for such a plan.

 

If you have limited funds, the alternative is to figure out how to secure the metals yourself.   For some potential ideas on home storage, see How to Store Gold At Home.

Mike Maloney says in his book Guide to Investing in Gold and Silver, page 193: "One of the things I love most about buying physical gold and silver for storage at home, segregated storage at a depository, and/or offshore storage in an allocated account, is that you are not playing their game, meaning the corporate financial industry game.  Instead you are keeping your money and your investments private, away from prying eyes.  You know that what you have in your possession is real.  You can touch it.  And best of all, it's real money"

 

For a limited time get FREE SHIPPING on Singapore vault orders!

Use Referral Code: The New Switzerland

Expiration: November 9, 2012

 

If you are a first-time investor you may want to consider the following plan: 

I)

First consider taking some physical possession of your metals.  

Taking delivery helps you understand the process of how to order and the steps involved. Once you hold physical bullion in your hand, you get a better grasp of the weight, look, and feel of genuine gold and or silver. 

II)  

Once you have accumulated, first hand, the amount you feel comfortable with,  you can then consider graduating to storage either within our domestic United States and or Internationally.  GoldSilver.com currently offers six segregated bullion vault options.  

There are three Master / Sub-account vaults located in Salt Lake City, Hong Kong, and Singapore.    There are also three direct segregated vault options with Via Mat Germany, Via Mat Miami, and Cube Global Storage in Canada.  Contact your GoldSilver.com representative for further information. 

III)  

Once you have acquired enough gold bullion in one vault storage facility, you might then consider geopolitically diversifying your risk by choosing another vault storage option in another country or geographic location.

This overall plan can both offer diversification of location and custodians, giving you multiple storage sites and ultimately minimizing your overall risks.   

Remember to always educate yourself before taking action to ensure you make an informed decision.

Original Source

母女斥銀行推卸責任

「買都買唔番！」張太與女兒在該行上葵涌分行開設保險箱儲存金飾多年，惟自○六年起未有打開過，直至一○年九月，她倆到該行各自打開保險箱，駭然發現兩個保險箱內大批金器不翼而飛，其餘財物亦擺放混亂，張太點算後發現失去五十年前丈夫所送的結婚戒指等一堆金飾，女兒則不見了五隻結婚時由家人所送的龍鳳鈪，兩人共損失金飾價值十多萬元。

兩人隨即報警，惟警方隨後指未有任何發現，去年四月停止調查。銀行卻表示，保險箱範圍外有閉路電視，又要客戶及銀行兩條鎖匙才能打開保險箱，有足夠保安措施，對賠償隻字不提，事件不了了之。「唔係錢嘅問題，而係好有紀念價值。」張女批評：「銀行閉路電視又點，你都影唔到保險箱！最過分係原來佢二○○三年裝修搬過啲保險箱，但冇同我哋講，之後我哋無小心睇過，依家有嘢唔見，都唔知係咪嗰陣出事，有咩理由銀行唔負責呀？」

中國銀行（香港）發言人表示，該行上葵涌分行曾於○三年八月至十一月期間進行分行擴建工程，當時工程並不影響原來的保險箱範圍，該分行其後並無進行其他工程，並沒有重置保險箱，有關保險箱需要使用銀行主匙及由客戶保管的鎖匙才能開啟保管箱，由於客戶已要求警方協助，該行會全力配合警方的調查工作。

警方發言人則指，把案件列作盜竊案處理，交由葵青警區刑事調查隊跟進，惟經調查後，因缺乏足夠證據，並無拘捕任何人，有關銀行的閉路電視亦未覆蓋報案人的保險箱範圍，警方已於去年四月終止案件調查工作，並將結果通知報案人，如報案人有進一步資料可與調查人員聯絡。