Intero and I are once again hosting our annual Shredding Event.

FREE SHREDDING!

Time to Get Rid of all the personal papers you don’t really need.

Bring all of your documents, etc. to our Shredding Party!
See beow for what you need to keep and for how long.

• WHY SHRED???   
  To protect your identity!
• To protect your privacy!   
• To protect information, you consider to be extremely confidential!

Date:  Sat. April 25, 2026

Time:  10:00AM –1:00PM

Place: Intero Real Estate—parking lot , 180 El Camino Real, San Bruno

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 the 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 - whichever is later)

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

WHAT TO KEEP FOR 7 YEARS

• Real Estate Documents (Financial experts

recommend keeping these records for seven

years after your home sale, based on the

IRS’s time frame for audits. The IRS has three

years to audit your return if it suspects any

good-faith errors on your part, and six years

if it thinks you underreported your income by

at least 25%)

• Records of Satisfied Loans

WHAT TO HOLD WHILE ACTIVE

• Contracts

• Insurance Documents including Title Insurance Policies

• Stock Certificates

• Property Records (Actual contract papers detailing your

home purchase and original loan should be kept for the

life of the loan plus a few years after sale)

• 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

• Birth Certificates

• Wills

• Adoption Papers

• Death Certificates

• Records of Paid Mortgages

*These documents should be kept

in a very safe place,