文件要保存多久才能粉碎
你知道税务记录要保存多长时间吗, 银行对账单, 水电费账单和其他重要文件? 这里有一些建议可以帮助你.
Whether you’ve got a state-of-the-art filing system, 或者只是几个旧鞋盒, knowing how long to keep important documents before shredding or deleting is key to 帮助你保持条理 这样你就可以避免不必要的杂乱.
Keep monthly records until transactions have been verified
Some documents only need to be kept for a short time before they can 安全ly be disposed of. For things like monthly bills and account statements, consider keeping these until you’ve been able to verify that all transactions have been cleared and all payments have been posted to the accounts. This usually happens within the month, but sometimes it can take a little longer.
- 水电费
- 银行对账单
- 信用卡对账单
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说到pp王者电子官网, consider keeping current documentation and updated proof of insurance as long as you’re paying on the policies, 它们保持活跃. Any time you receive any new/updated policy information, consider shredding the outdated documents. 虽然大多数州都接受 汽车pp王者电子官网卡的电子版, you may want to keep a printed version in your glove compartment just in case.
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根据国税局的建议保存税务记录
的 IRS has developed a list of recommended time periods to keep tax records based on a taxpayer's situation.
In general, tax returns can be examined by the IRS for up to three years after filing. However, that period can increase in certain situations. 例如, it can increase to six years in cases of unreported income that is more than 25% of the gross income shown on the tax return, it can increase to seven years if a claim was filed for a loss from worthless securities, and it can extend indefinitely in cases of fraud or when no return was filed.
幸运的是，美国国税局接受清晰的电子记录, which can come in handy if you prefer to save things electronically. Just see that you delete any tax-related records from your electronic devices before trading them in or disposing of them to help protect yourself from 身份盗窃和欺诈.
Keep original printouts of personal documents forever
有些文件应该永远保存. And because photocopies and scanned images of legal papers are usually not valid, think about storing original printouts in a fire-resistant 安全.
- 结婚证
- 离婚法令
- 托管的律例
- 出生证明
- 收养文件
- 死亡证明
- 遗嘱
- 信托基金
- 授权书
- 社会保障卡
- 公民身份的论文
- 军事记录
Keep property and investment records while you own the asset
物业及投资, hang onto important paperwork and documentation as long as you own the asset.
- 不动产-契约、抵押文件、 关闭文件 还有装修房屋的收据
- 车辆-所有权和购买或租赁文件
- Household items ― receipts, warranty certificates and operating instructions
- 金融 ― investments, stock certificates and retirement plan records
打印出来和. 电子副本
Many important documents can now be stored electronically. 事实上，你甚至可以报名参加 电子账单, 这不仅可以帮助你保持条理, but can also help the environment by eliminating unnecessary waste. Another benefit to online billing is that you won’t have to remember how long you’ll need to hold onto the documentation, 因为很多账单公司会为你做.
扔之前别忘了把它撕碎
Once you’ve determined you no longer need to hang onto a document that contains sensitive information, shred it so your personal information doesn’t accidentally fall into the wrong hands.
