Are you drowning in a sea of paperwork and files 'just in case' because you're not sure what you're supposed to save and for how long? Develop a clutter-free lifstyle by following these simple tips:

Keep for Three Months

• Credit card statements
• Insurance bills
• Paycheck stubs
• Utility bills

Keep until you have Checked Against Statement

• ATM and debit receipts
• Deposit slips
• Purchase receipts (unless they apply to a warranty or tax claim, then keep with warranties or taxes)
• Utility bills

Keep for One Year

• Canceled checks (unless they apply to a tax claim)
• Check registers

Keep for Three Years

• Bank statements
• Tax returns and all related receipts

Items to Keep for a Long Term

• Insurance policies (until they go out of effect)
• Legal documents, such as adoption papers and contracts
• Military papers
• Mortgage paperwork (until three years after you move)
• Patents and copyrights
• Records relating to the cost of home or property improvements
• Warranties (until you don't have the item anymore)

Items to Keep for a Lifetime

• Automobile titles
• Inventory of home and wallet
• Life documents (birth, marriage certificates)
• Property deed
• Stock and bond certificates
• Trust papers (will, power of attorney, health care directive)

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-improvement records.
• Receipts for major purchases. (any item whose replacement cost exceeds the deductible on your homeowners' or renters' insurance policy).
• Beneficiary designations.

Be sure to shred the documents you can now discard! How many of you can now free up some file space?

• Select and customize your newsletter template
• Learn how to import your contact list and add new contacts
• Format your content and add graphics
• Learn how to view and analyze your newsletter statistics
• Leave with a working newsletter that you can start using immediately to market to your customers
  

Last Thursday, June 10, 2010, Cybertary Roseville had a booth at the Roseville Chamber of Commerce Quarterly Mixer held at the Denio's Corporate Office.  The weather was perfect, the food was delicious, celebrity Jack Gallagher was hilarious, and the turnout was impressive.  We met a lot of new businesses as well as connected with our old friends and colleagues.

This was an especially important mixer for us because we launched a new offering we are particularly excited about - our new Hands-On e-Newsletter Workshop.  While there are other e-newsletter classes available, all of them teach you about WHY you should use an electronic newsletter as part of your marketing strategy.  Our workshop is different in that we actually SHOW you how to create one.  Attendees will bring their laptop to the workshop, and we will literally walk them through setting up the various newsletter sections.  When participants leave the class they will have an actual working newsletter that they can then start to integrate into their marketing efforts.  For many business owners, just getting a project like this started is more than half the battle. 

If you've been thinking about starting an electronic newsletter, or you just want to check out what is involved in setting one up, this is an excellent opportunity for you to do just that.  Right now there are two sessions to choose from - June 24, 2010 and July 14, 2010 from 11:30-1:00 on both days.  If you would like more information about the class, please contact us at roseville@cybertary.com or (916) 303.4550 or click here to register for one of the upcoming newsletter workshops.

Today’s world is an amazing place. We can buy groceries without ever leaving the house, pay bills without writing a check, and even earn a living from the comfort of our own homes. Neighbors everywhere are asking themselves, “What does that guy next door do for a living? He never seems to leave the house!”

With more and more individuals and companies conscious of the environment and our carbon footprint, many are choosing virtual options for their workforce. In addition, as the cost of maintaining brick-and-mortar offices continues to rise, entire companies are moving into the virtual world. Whether you are working from home for your employer, running a home-based business, or working as a freelancer, the key to success is creating an efficient virtual office.

Click here to find out how to build your virtual office...

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“Wow!” is the word that comes to mind when I think about what happened to our business in recent weeks. We asked our friends, colleagues, and business associates to vote for us in an online business contest. The first time we did this, we were randomly selected out of all the entries in the area and won a $500 grant in the Intuit’s Love a Local Business contest, which we had reported to you previously.

We then found out that in order to be eligible for further consideration for their grand prize, we would have to get additional votes, so we sent out a second request to everyone. This time, they selected 5 local grand prize winners and the judging was based on the content of the customer comments provided. This time we won a $1000 prize and it was directly related to the wonderful things our customers said about us.

We are truly honored to serve the businesses in our local community and it means so much to us that our efforts have made a difference. We will continue to provide the best possible services in support of you and your businesses. So thanks again to all who voted. And thank you for choosing Cybertary to help you in your daily business endeavors.