Streamlining Your Personal Financial Documents

Every week you introduce more paper into your home, in the form of newspapers, magazines, flyers, coupons, schoolwork, correspondence, bills, and other documents. It may or may not be difficult for you to ensure that reading material and advertising is discarded when you are finished with it, but when it comes to financial documents, it can be much more challenging to determine what you need to keep, and what you can toss. Here are a few simple guidelines.

Discard credit and debit card receipts and bank slips once the item has cleared your account, except in the following circumstances.

a) You will be claiming the expense on your income tax return. All supporting documentation must be retained for a designated period of time in case of an audit. You should check with your local tax authorities if you're not sure what the regulation is where you live.

b) The item is under warranty, in which case you may be required to provide proof of purchase in the event of a claim.

c) The item is expensive and unique, and you will require proof of purchase in case of an insurance claim.

It is important that the requests being filed under the appropriate heading (Tax, Warranties, or Insurance) so you do not waste time looking for what you need when it's time to make a claim or file your income taxes. These events can be stressful enough, so why make it even more frustrating for yourself?

If you are holding onto receipts simply as a reference of your expenses, considering entering the information into a software program such as Quicken or Microsoft Money. This will not only free your home of some of the paper, it will allow you to easily track your income and expenses and to quickly look up any needed information. These programs will also help you to keep track of your current account balances and upcoming bills and to create and track a personal budget.

If you do not want to buy and learn a new software program, you can enter your information into a spreadsheet or database program instead. Other options would be to type the information into a word processor, or to manually enter it into a paper ledger book, but neither of these will give you the reporting power of a financial software program.

When discarding the documents you no longer need, it is highly recommended that they are shredded to avoid the risk of identity theft. This is especially important when dealing with financial documents which may include account numbers as well as your name and address.

Unless you are claiming the expense on your income tax, utility bills and the like can be discarded after a year, as can bank and credit statements. Most companies will not make adjustments if an error is not reported within that time.

By following these simple guidelines, you will reduce the paper clutter in your home, the amount of space you require for your filing system, and the stress and frustration of wasting time searching for the documents you need.

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Computer Graphic Schools Foster Dynamically Digital Careers

Considering computer graphic schools that can help you start a graphic design career? Stanley Gilbert, a long-time graphic designer and illustrator, who also teaches design and illustration at Austin Community College (AAC, Austin, TX), stresses the importance of finding your niche.

"Prospective students should weigh the alternatives between an intensive two-year program like ACC's and more laid back, but academically challenging, four-year computer graphic degrees from a university," says Gilbert. That's because, as he explains to his students, having work skills is not enough in an industry that shapes film, theater, music and literature – lessons from computer graphic schools will set you apart. "You've got to have some of the 'it' that sets you apart, and full, well-rounded [computer graphic degrees] are vital, either you get it formally at a university or informally on your own."

Before Computer Graphic Schools …

In his own experience, Gilbert learned early on after graduating from Texas State University in the 1970s with a degree in commercial arts, and trying his hand at a freelancing career, that it would take another school stint to keep up with the technology. That's when he decided to attend ACC (where he would later be asked to teach as an adjunct). And students wishing to attain computer graphics degrees, he says, are taking the first step towards a lucrative career.

"I could not recommend a better launching pad into the business for a freshman student than a design certificate or degree from a reputable and well established school," says Gilbert. "If I had had such opportunities from the start, I might have been in the business for 30 years now instead of only 20."

Skills to Seek at Computer Graphic Schools

Whatever your choice computer graphic schools emphasize computer graphics degrees or computer aided design programs, Gilbert says there are basic skills that designers should learn. They include being able to:

  • Exhibit a high level of creativity used to solve problems
  • Think outside the box while functioning productively within the limits
  • Write, speak, and create effectively
  • Respond quickly and inventively to client's needs
  • Demonstrate good hand-eye coordination
  • Pay attention to detail

One thing is for sure when considering computer graphic schools or computer aided design programs: "The industry keeps expanding both technically and in job description," explains Gilbert. The time to start pursuing computer graphics degrees is now.

Factors Involved in Bariatric Meal Replacement for Weight Loss

One way to get the results you want following gastric bypass surgery is to try bariatric meal replacement for weight loss. Most of the people who undergo this surgical procedure have many challenges ahead of them. While the surgery may have completed a big feat for you, there is still more work ahead. You will feel a little better every day if you provide your body with the nutrients that it requires.

Getting the right combination of nutrients can prove difficult for the bariatric patient because you are trying to balance the need for healthy nutritional content with the need to limit your calories to ensure that you drop pounds.

Bariatric meal replacement for weight loss offers you the best of both worlds. These are meals that are specifically designed to provide the body with what it needs to remain healthy and strong, but not overdoing it in terms of caloric intake. If you follow a healthy lifestyle that includes exercise, these special meals can ramp up your ability to slim down and stay slim. Your physician may provide you with a specific plan to encourage you to shed pounds and keep them off, but the real work lies with you.

The surgical procedure you have undergone altered the manner in which your body works on the inside. While it will help to facilitate the weight loss process, you still have to do the right things to get rid of the weight. Your stomach is now smaller and is no longer able to accommodate as much in it. This means that eating as much as you did before the surgery is no longer a possibility.

You can still eat whatever you wish, as long as you eat in smaller portions. However, if you return to a diet of foods that are high in fat and calories, you will defeat the purpose. This will ruin all of the good that was achieved. You need to make a commitment to restricting your calories and not eating any more than your body requires. Bariatric meal replacement for weight loss can help you in doing this.

What happens with many individuals post-op is that they do not have the energy to put into making healthy meals. They fall back into old patterns of eating badly and choosing quick and convenient foods that offer them little in the way of nutritional value. They also are not as physically active as they should be. For these people, exploring the bariatric meal replacement for weight loss options available to them is very smart.

You can find meals that are tasty and will provide you with the healthy components of a diet that includes vitamins, minerals, phytochemicals, and antioxidants. These foods will help make you feel full so you will not be tempted to give in to cravings. Meal replacements will help you in your efforts to reduce your overall weight, but they will also satisfy you. It is a win-win situation!

Wood Furniture Plans – Finish Your Project With Pride

No matter what kind of carpentry project you are hiring to get started with, there are many aspects to consider when you select your wood furniture plans. The first is to reflect on your personal woodworking skills. Do you have several successful projects under your belt, or maybe you need to start with simpler projects to have your first of many furniture building accomplishments? Carpentry can be an enjoyable experience for any level of building skills, provided the furniture piece is within your abilities and written with clear and complete instructions. Likewise, no level of expertise can make up for deficient wood furniture plans.

What do you have the urge to build? Whether it is a rocking horse, coffee table, bunk bed, or wine rack, you probably have a great amount of motivation going into the project. Perhaps you saw a great finished product at a furniture store that you are confident you could replicate for a fraction of the asking price. Not only can you save money but you can achieve a great feeling of accomplishment when you build your own furniture. In an attempt to get started immediately, you may endeavor to write your own wood furniture plans from scratch. However, there is an easier way.

Instead of risking forgetting essential parts of a piece of the furniture's construction simply by looking at it, you should seek professionally produced wood furniture plans. These, when coming from a reliable source, will have the full list of materials that you need to get started with your project. This will be followed by detailed and complete instructions for everything from putting the first boards together to finishing the stain work. There should also be an image on the plans of what the finished product will look like, giving you a good idea to work off and keep your motivation up as well.

Many people search for free wood furniture plans online, but the fact is that you absolutely get what you pay for. Most furniture plans offered for free are not reliable. They will either miss important pieces in the instructions, like a materials list, or the final product will not resemble what is shown in the picture, if a picture is present at all. If you want your finished product to be something you can pride yourself in, you need to make a small investment at the startup of the project in the form of buying dependable wood furniture plans.