Page 18 THE SAUGUS ADVOCATE – FriDAy, JAnUAry 3, 2025 TOP TEN | FROM PAGE 6 ash landfill for 20 years in return for $20 million. But that was more of a symbolic vote that has no standing. Only the town manager can negotiate host community agreements. And the Board of Health – not the Public Note Request for Proposals: 5,000 to 6,000 sf Office Space The Metro North regional Employment Board, Inc., d/b/a MassHire Metro North Workforce Board (MNWB), is issuing a Request for Proposals (RFP) designed to solicit proposals from organizations interested in leasing 5,000 to 6,000 sf office space. The desired occupancy date is July 1, 2025. MNWB is only considering leasing office space in the following communities, all of which offer MBTA Rapid Transit service: Cambridge, Malden, Medford, Revere, and Somerville. The RFP and related documents can be accessed on the MNWB website: https://masshiremetronorth.org/. Proposals are due by January 20, 2024. - LEGAL NOTICE - COMMONWEALTH OF MASSACHUSETTS THE TRIAL COURT PROBATE AND FAMILY COURT Essex Probate and Family Court 36 Federal Street Salem, MA 01970 (978) 744-1020 Docket No. ES24C0472CA In the matter of: Abel Isaiah Zavaleta Anthonys CITATION ON PETITION TO CHANGE NAME A Petition to Change Name of Adult has been filed by Abel Isaiah Zavaleta Anthonys of Saugus, MA requesting that the court enter a Decree changing their name to: Abel Isaiah Zavaleta Estrada. IMPORTANT NOTICE Any person may appear for the purposes of objecting to the petition by filing an appearance at: Essex Probate and Family Court before 10:00 a.m. on the return day of 01/14/2025. This is NOT a hearing date, but a deadline by which you must file a written appearance if you object to this proceeding. WITNESS, Hon. Frances M. Giordano, First Justice of this Court. Date: December 10, 2024 PAMELA A. CASEY O’BRIEN REGISTER OF PROBATE January 03, 2025 Board of Selectmen – are the town body that deals with WIN Waste. In short, expansion of the ash landfill would not be possible without a change in state environmental regulations and approval by the Board of Health. In a related news story during 2024, Town Meeting overwhelmingly approved a new environmental standards bylaw that further empowers the Board of Health in its oversight of WIN Waste and activities involving the trash-to-energy plant. Here’s the list of what we consider to be the town’s most significant news stories over the past year: 1. The creation by the Annual Town Meeting of an Ash Landfill Closure Committee and other WIN Waste Innovations issues .2 A productive Annual Town Meeting that saw members approve an article to make the rail trail safer for runners and walkers – who worry about getting hit by motorized vehicles. Members also passed a bylaw that gives the Board of Health more powers in its oversight of the trash-to-energy plant. Members also approved five zoning articles crafted by Selectman Michael Serino that add more restrictions to the Route One Business Highway Sustainable Zoning District bylaw. 3. The Presidential and state Primary and General Election, which saw the three state legislators who represent Saugus elected without opposition. In November, the town voted TOP TEN | SEE PAGE 22 Sa nir Sa Sa y nior y Senior Seni by Jim Miller How Long to Keep Tax Records and Other Documents Dear Savvy Senior, Is there a rule of thumb on how long someone should keep their old financial paperwork? I have file cabinets full of old receipts, bank and brokerage statements, tax returns and more that I would like to toss. Recently Retired Dear Recently, It’s a great question. As we get older and our fi nancial life gets more complicated, it’s diffi cult to know how long to keep old fi nancial records and paperwork and when it’s safe to get rid of them. Some things you’ll need to hold on to for your whole life and others for just a month or so. Here’s a checklist I’ve created that can help you determine what to save and what you can throw away. Keep One Month • ATM receipts and bank-deposit slips, as soon as you match them up with your monthly statement. • Credit card receipts after you get your statement, unless you might return the item or need proof of purchase for a warranty. • Credit card statements that do not have a tax-related expense on them. • Utility bills when the following month’s bill arrives showing that your prior payment was received. If you wish to track utility usage over time, you may want to keep them for a year, or if you deduct a home offi ce on your taxes keep them for seven years. To avoid identity theft, be sure you shred anything you throw away that contains your personal or fi nancial information. Keep One Year • Paycheck stubs until you get your W-2 in January to check its accuracy. • Bank statements (savings and checking account) to confirm your 1099s. • Brokerage, 401(k), IRA and other investment statements until you get your annual summary (keep longer for tax purposes if they show a gain or loss). • Receipts for health care bills in case you qualify for a medical deduction. Keep Seven Years Supporting documents for your taxes, including W-2s, 1099s, and receipts or canceled checks that substantiate deductions. The IRS usually has up to three years after you fi le to audit you but may look back up to six years if it suspects you substantially underreported income or committed fraud. Keep Indefi nitely • Tax returns with proof of fi ling and payment. You should keep these for at least seven years, but many people keep them forever because they provide a record of your fi nancial history. • IRS forms that you fi led when making nondeductible contributions to a traditional IRA or a Roth conversion. • Retirement and brokerage account annual statements as long as you hold those investments. • Defi ned-benefi t pension plan documents. • Savings bonds until redeemed. • Loan documents until the loan is paid off . • Vehicle titles and registration information as long as you own the car, boat, truck, or other vehicle. • Insurance policies as long as you have them. • Warranties or receipts for big-ticket purchases for as long as you own the item, to support warranty and insurance claims. Keep Forever Personal and family records like birth certifi cates, marriage license, divorce papers, Social Security cards, military discharge papers and estate-planning documents including a power of attorney, will, trust and advanced directive. Keep these in a fi reproof safe or safe-deposit box. Reduce Your Paper To reduce your paper clutter, consider digitizing your documents by scanning them and converting them into PDF fi les so you can store them on your computer and back them up onto a cloud like Microsoft OneDrive, Apple iCloud or iDrive. You can also reduce your future paper load by switching to electronic statements and records whenever possible. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book. ior
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