Ur Primitive Four Bears - T-shirt design needs voting for Threadless.com submission

This is a new design created by Affehaus for Threadless.com t-shirts. Once it gets a high number of votes, then it can become a product for sale on their website. We hope you like it and vote for it as soon as you see this post. If you have any questions about this design or the submission process.

 

Record Keeping - When to throw out receipts, bills, statements

Record Keeping from Suze Orman

Financial Clutter, What To Keep And What To Get Rid Of

Keep till warranty expires or can no longer return or exchange

    ▪    Sales Receipts (Unless needed for tax purposes and then keep for 3 years)

What to keep for 1 month

    ▪    ATM Printouts (When you balance your checkbook each month throw out the ATM receipts)

What to keep for 1 year

    ▪    Paycheck Stubs (You can get rid of once you have compared to your W2 & annual social security statement)

    ▪    Utility Bills (You can throw out after one year, unless you're using these as a deduction like a home office --then you need to keep them for 3 years after you've filed that tax return)

    ▪    Cancelled Checks (Unless needed for tax purposes and then you need to keep for 3 years)

    ▪    Credit Card Receipts (Unless needed for tax purposes and then you need to keep for 3 years)

    ▪    Bank Statements (Unless needed for tax purposes and then you need to keep for 3 years)

    ▪    Quarterly Investment Statements (Hold on to until you get your annual statement)

What to keep for 3 years

    ▪    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.)

    ▪    Medical Bills and Cancelled Insurance Policies

    ▪    Records of Selling a House (Documentation for Capital Gains Tax)

    ▪    Records of Selling a Stock (Documentation for Capital Gains Tax)

    ▪    Receipts, Cancelled Checks and other Documents that Support Income or a Deduction on your Tax Return (Keep 3 years from the date the return was filed or 2 years from the date the tax was paid -- which ever is later)

    ▪    Annual Investment Statement (Hold onto 3 years after you sell your investment.)

What to keep for 7 years

    ▪    Records of Satisfied Loans

What to hold while active

    ▪    Contracts
    ▪    Insurance Documents
    ▪    Stock Certificates
    ▪    Property Records
    ▪    Stock Records
    ▪    Records of Pensions and Retirement Plans
    ▪    Property Tax Records Disputed Bills (Keep the bill until the dispute is resolved)

    ▪    Home Improvement Records (Hold for at least 3 years after the due date for the tax return that includes the income or loss on the asset when it's sold)

Keep Forever

    ▪    Marriage Licenses

    •    Divorce Papers
    ▪    Birth Certificates
    ▪    Wills
    ▪    Adoption Papers
    ▪    Death Certificates
    ▪    Records of Paid Mortgages

* These documents should be kept in a very safe place, like a safety deposit box.

Baltimore Tech Businesses are Thriving

Towson Global Business Incubator, Maryland Bay Bridge Sunrise

I enjoyed the show and tell variation of recent Baltimore Tech Breakfast meeting, August 31, 2011. To give you and idea about our MeetUp group I've posted my recent comments about the new format and venue. Everyone who is involved in any aspect of technology is welcome to attend. I am seeking to offer graphic design assistance and share visual communication expertise at the meetings and perhaps work with other techs on new projects collaboratively.

The pace of this last meeting of the summer felt just about right for timing, even though we ran long. I think there may be show and tell projects where the content might be able to be presented in shorter time, but it depends upon the subject. I would suggest to perhaps break out the meeting with one longer presentation and three smaller ones. I liked the questions and comments and thought the positive energy of the group was inspiring. In some cases, I would like to devote more time to providing feed back or suggestions, but only if it is requested, otherwise it might feel awkward to critique. I suggest, if each presenter could ask what they'd like to hear from the group then, we could always send comments and suggestions in our own time to help keep to the schedule.  I also am interested in the scaling topic which is moved to the next meeting. I would welcome a more technical discussion after each meeting, for those who would like to broaden their knowledge and exchange tips.


Clay Hickson at the Towson Global Incubator was very welcoming to our group and offered a very good space for us to host the meetings. His mindset and connections in the Maryland business environment are helpful towards anyone looking to grow their company or idea, as well as broaden their client base. The location is easy to get to and parking is plentiful. I'd like to see more tech breakfast events here at TGBI. They affiliated with Towson State University and are sponsored by Baltimore County Maryland.

The Baltimore TechBreakfast is a very inviting group of aspiring programmers, entrepreneurs and marketers. The open forum works very well and is free to make changes to be the best. It is fascinating to experience a diverse range of individuals representing businesses where technology is evolving to bring innovative ideas to market. I am glad to be among the group who provides a forum to discuss and receive feedback on emerging real world projects.  Thanks for sharing the inspiring positive energy.
You are invited to attend the next months Baltimore TechBreakfast MeetUp by visiting the link at the top of this post. Contact me with any questions and I welcome your comments to this post.