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MOVING makes you face all the stuff you've accumulated: books, computers, clothing and, of course, reams and reams of financial documents. Before deciding whether to haul all of them to a new home, as I did a few months ago, it is worth asking what really needs to be saved and what can safely be ditched. As far as financial records go, experts say that we can get by with a lot less paper than in the past because so many more documents, from fund prospectuses to monthly statements, are available online. Mutual fund companies store years and even decades worth of them that can be retrieved and stored, often at no cost. [ABSTRACT FROM AUTHOR]