디자이너 Frank Chimero의 창작에 대한 단상들.

왜 항상 카메라를 들고 다녀야하는지는 알려주는 12가지 이유들.

Toss Every Month

• ATM And bank-deposit slips, after you’ve recorded the amounts in your check register and checked them against your monthly bank statement.
• Credit-card receipts, after you’ve checked to make sure the item appears correctly on your monthly statement.
• Sales receipts for minor purchases, after you’ve satisfactorily used the item and if it has no warranty.

Toss After One Year

• Monthly bank and credit-card Statement (if you don’t itemize deductions).
• Monthly or quarterly brokerage and mutual-fund statements, after you’ve reconciled them with your year-end summary.
• Monthly mortgage statements, as long as your year-end statement clearly shows the total amount you’ve paid in interest and property taxes over the course of the year.
• Phone and utility bills (as long as you don’t have a home office, use your phone for business calls, or anticipate any need to prove long-term residency).
• Paycheck stubs, after you’ve reconciled them with your annual W-2 or 1099 forms.

Retain for Seven Years

• W-2 AND 1099 forms.
• Year-end statements from credit-card companies.
• Phone and utility bills (only if you deduct any portion for business expenses, have more than one home, or have moved within the past few years).
• Canceled checks and receipts/statements for: annual mortgage interest and property taxes, deductible business expenses, child-care bills, out-of-pocket medical costs, or any other tax-deductible expense.

Keep Indefinitely

• Your annual tax returns. Your year-end summaries from financial-services companies.
• Confirmation slips that list the purchase price of any investments you own.
• Home-improvment records.
• Receipts for major purchases. (any item whose replacement cost exceeds the deductible on your homeowners’ or renters’ insurance policy).
• Benficiary designations.