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Upcoming Events

Live On The Lawn


May 25
6:00 am - 9:00 am
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Join Bert Baron Thursday, May 25th from 6:00 AM until 9:00 AM on the front lawn of the WCTC Studios for another serving of WCTC's Live on the Lawn broadcast and breakfast!

There will be breakfast items provided, New Jersey Lottery Instant Game tickets (while supplies last), and the chance to win tickets to an upcoming event! Plus, Magyar Bank will be bringing the Shred Truck and the entire community is invited to bring their personal documents to have them safely destroyed.  The truck will be available from 7:00 AM to 10:00 AM in the WCTC parking lot, 78 Veronica Avenue, Somerset, NJ.  

Protect your identity, and your personal information with our FREE Spring Shred Days. It's your chance to do some "financial spring cleaning" and safely destroy your old, personal financial documents.  This event is open to the entire community and is a FREE service. Magyar Bank will also have their Shred Truck on their various sites. The complete list of dates and times are below, and we've included some suggestions on what documents you should shred! All times 10 AM - 12 PM. 

  • April 1 - Bridgewater
  • April 8 - Branchburg
  • April 22 - North Brunswick
  • April 29  - New Brunswick
  • May 6 - South Brunswick
  • May 13 - Edison

 What Documents Should You Shred?

Trying to figure out what documents you should shred can be confusing.  Here are a few recommendations for some of the more common financial documents many of us have.

Bank Records Keep deposit and ATM receipts until you reconcile them with your monthly statements. File your monthly checking and savings account statements. After you do your taxes, file any statements needed to prove deductions with your tax records; the rest can be shredded.
Credit Card Bills You don't need to keep them after you've checked and paid them, unless you need a bill to support a deduction you'll be taking on your taxes, such as for a charitable donation (in which case you'll need to file the bill with your current-year tax records).
Investment Statements You can shred your monthly and quarterly statements from brokerage, 401(k), IRA, Keogh, and other investment accounts as new ones arrive. But hold on to annual statements until you sell the investments.
Tax Returns Tax returns should kept for at least 7 years.  The IRS can randomly audit you up to three years after the date you filed the return, and you can be audited at any time if the IRS suspects you of fraud.

After seven years, you may want to keep just the tax returns if you'd like to track your income over the years. Keep tax records more than seven years old in your out-of-the-way file cabinet. Better yet, scan the returns into your computer and store them on a CD or external hard drive.