{"version":"1.0","type":"rich","provider_name":"Acast","provider_url":"https://acast.com","height":250,"width":700,"html":"<iframe src=\"https://embed.acast.com/$/5cd31efb995459133c97ab7d/5cd31f1533f6c1be55607d53?\" frameBorder=\"0\" width=\"700\" height=\"250\"></iframe>","title":"Money Talks: Spring Cleaning","thumbnail_width":200,"thumbnail_height":200,"thumbnail_url":"https://open-images.acast.com/shows/5cd31efb995459133c97ab7d/1557952608000-e1287b8673861dffeca5c3fd43732d9e.jpeg?height=200","description":"<p>You've got 11 months before the next tax day. What can you do to make it easier on yourself?</p><p><br></p><p><br></p><p><br></p><p>How long do you need to keep what paper? It's time for Financial Spring Cleaning.&nbsp;Listen to the show to learn what you should do about your retirement accounts, insurance, beneficiary information, debts, and automated payments.</p><p>It's time to evaluate your tax withholding, charitable giving, and scheduled medical procedures. Keep good records for yourself and your family for emergencies, disasters, or in case of death.&nbsp;</p><ul><li><strong>Keep Sales Receipts</strong>&nbsp;until warranty expires or can no longer return or exchange</li><li><strong>What to keep for 1 month</strong>:&nbsp;&nbsp;ATM Printouts (When you balance your checkbook each month throw out the ATM receipts)</li><li><strong>What to keep for 1 year</strong>:</li><li class=\"ql-indent-1\">Paycheck Stubs</li><li class=\"ql-indent-1\">Utility Bills</li><li class=\"ql-indent-1\">Cancelled Checks</li><li class=\"ql-indent-1\">Credit Card Receipts</li><li class=\"ql-indent-1\">Bank Statements</li><li class=\"ql-indent-1\">Quarterly Investment Statements</li><li><strong>What to keep for 3 years</strong></li><li class=\"ql-indent-1\">Income Tax Returns (Please keep in mind that you can be audited by the IRS for no reason up to three years after you filed a tax return. If you omit 25% of your gross income that goes up to 6 years and if you don't file a tax return at all, there is no statute of limitations.)</li><li class=\"ql-indent-1\">Medical Bills and Cancelled Insurance Policies</li><li class=\"ql-indent-1\">Records of Selling a House</li><li class=\"ql-indent-1\">Records of Selling a Stock</li><li class=\"ql-indent-1\">Receipts, Cancelled Checks and other Documents that Support Income or a Deduction on your Tax Return</li><li class=\"ql-indent-1\">Annual Investment Statement</li><li><strong>What to keep for 7 years:&nbsp;&nbsp;</strong>Records of Satisfied Loans</li><li><strong>What to hold while active:</strong></li><li class=\"ql-indent-1\">Contracts</li><li class=\"ql-indent-1\">Insurance Documents</li><li class=\"ql-indent-1\">Stock Certificates</li><li class=\"ql-indent-1\">Property Records</li><li class=\"ql-indent-1\">Stock Records</li><li class=\"ql-indent-1\">Records of Pensions and Retirement Plans</li><li class=\"ql-indent-1\">Property Tax Records Disputed Bills</li><li class=\"ql-indent-1\">Home Improvement Records</li><li><strong>Keep Forever</strong></li><li class=\"ql-indent-1\">Marriage Licenses</li><li class=\"ql-indent-1\">Birth Certificates</li><li class=\"ql-indent-1\">Wills</li><li class=\"ql-indent-1\">Adoption Papers</li><li class=\"ql-indent-1\">Death Certificates</li><li class=\"ql-indent-1\">Records of Paid Mortgages</li></ul><p>*These documents should be kept in a very safe place, like a safety deposit box.</p>","author_name":"MPB Think Radio"}