Junior Fair BBQ again a big success Beulah B James Senior Profile: Josie Myers Lady Indians place second at Ohio Classic in Hillsboro MVCA dominates Greyhounds in 45-0 triumph For Lady Devils, SHAC streak goes to 55 matches 9/11: Sixteen years later Gertrude Gibson Defender Bowl coming Sept. 16 Joyce A Walker Virginia R Young Senior Profile: Abby Campton West Union hosts 2017 Dragon Run New gridiron history begins for Peebles Trout, fire, and blueberry fields forever Senior Profile: Baylee Justice Lady Devils win SHAC thriller at Eastern Brown From Blue Creek to the Beaneaters Tough loss for Greyhounds in season opener Turning tragedy into hope What we learn from failure Absolutely had to get the wrinkles out Frances S Kidder Leo Trotter 41st Bentonville Festival set to begin Sept. 8 Winchester celebrates its history during three-day street fair Cruisefest returning to streets of Peebles Blue Creek- a community in transition honors its history and heritage Cuteness Galore – Winchester Homecoming Festival Baby Show Ronnie L Day Cast your vote for the Adams County Fairgrounds Nelson E Atkinson Ryan L Colvin Richard Tackett William L Tadlock Penny Pollard Wendell Beasley West Union soccer drops pair at Mason County Lady Indians go down in straight sets Senior Profile: Michael Gill Senior Profile: Katie Sandlin Royals dominate in big win over North Adams Dragons continue County Cup domination Archaeology Day returns to Serpent Mound Hourglass Quilt Square is back up again Manchester family hosts International Guests History, farming, and family- the bedrock of Cherry Fork’s community Bus drivers, emergency responders prepare for coming school year Working up a real good sweat What’s behind the motive? Rondal R Bailey Jr Thelma J Yates She’s all grown up now Scott A Yeager Soccer talent on display at 2017 SHAC preview Baseball community mourns the loss of Gene Bennett Winchester Homecoming Festival is Aug 25-27 Eleanor P Tumbleson Felicity man killed in Ohio River boating accident WUHS golfers take Portsmouth Invitational It was pretty cold that day Volleyball kicks off with SHAC Preview Night Young awarded Women’s Western Golf Foundation Scholarship One Mistake Senator Portman visits GE Test Facility in Peebles Adams County school districts facing some major challenges for the coming year Family, friends, and roots: the ties that bind residents of one Adams County village What is your strength? Just the chance to take a look back Ronnie L Wolford Dale J Marshall Herbert Purvis Great American Solar Eclipse coming Aug. 21 BREAKING NEWS: West Union wins fifth consecutive County Cup Wallace B Boden John L Fletcher Lady Indians golfers learning the links North Adams, West Union golfers open 2017 seasons This Labor Day, ‘Drive Sober or Get Pulled Over’ Blanton announces candicacy for Court of Appeals Local student attends Congress of Future Medical Leaders MHS welcomes new principal Made in America When it feels like you’re spinning plates Bonfires and “building” a farm Lady Devils looking to take that next step 50 years of Bengal memories Ag Society delivers donation to Dragonfly Foundation Young Memorial Scholarship awarded to a pair of local seniors ‘Musical passion is in his blood’ Naylor named NAHS Principal Boldman retiring after 17 years as Homeless Shelter director Manchester concludes another River Days celebration Drug Treatment vs. Prison James R Brown Bobby Lawler Jr Adams County man charged with killing estranged girlfriend Lexie N Hopkins Volleyball, soccer previews coming this weekend Michael A Cheek

Your midyear financial checkup

Setting a few hours aside for a midyear financial checkup in June or July can help you review how you’re doing with savings, investing, spending and debt. It can give you the opportunity to spot irregularities and adjust your budget well in advance of year-end.

If you already work with a qualified financial or tax advisor, consider discussing this review process with them so they can guide you to any specific money issues you should be tracking.

Start by requesting at least one of your three credit reports. The idea is to make sure your credit balances are accurate and to check closely for any irregularities that might signal identity theft. Federal law requires that each of the major credit agencies – Experian, Equifax and TransUnion – give you your most recent credit reports for free (https://www.annualcreditreport.com/index.action) once a year.

If you discover unusual charges or accounts you didn’t open, alert your advisors, take any steps they recommend and otherwise follow the U.S. Federal Trade Commission’s step-by-step identity theft guide (http://www.consumer.ftc.gov/features/feature-0014-identity-theft) to help you take action. Remember to stagger receipt of each of your credit reports throughout the year so you have the opportunity to catch potential irregularities every few months.

Next, turn to your budget or start one if you’ve never made one before. The midyear review should focus on whether adjustments can be made to save or invest more or pay off more debt if more money is coming in from a raise or other resources. If spending is up by midyear, it’s always important to know why and whether funds can be reallocated to better purpose.

Review your retirement and whether you’re maximizing your contributions at work or in your own personal retirement accounts. Those who reach age 50 by the end of the calendar year will be able to take advantage of additional catch-up contribution allowances to beef up their balances as they approach retirement.

Midyear is also a good time to check the adequacy of one’s emergency fund (http://www.practicalmoneyskills.com/calculators/emergency). Emergency funds help keep you from tapping your credit or savings balances in a sudden cash emergency. The amount of money you keep in your emergency fund should fit your needs, but consider a balance of four to seven months of everyday expenses in case there’s a short-term job loss or an emergency repair. Consider keeping a year-round list of potential home, car or personal expenses and decide whether your emergency fund is adequate or you might need to set up other savings accounts to address bigger needs.

Make sure your tax withholding levels are correct. This is particularly important if your income has changed during the first six months of the year and you might be closing in on a higher or lower tax bracket. Consult your tax advisor for assistance, and the IRS features its own withholding calculator (http://www.irs.gov/Individuals/IRS-Withholding-Calculator) to help you decide.

Finally, make sure all your record keeping is up to date. Midyear is a good time to look over all your spending, saving and investment records to make sure all the numbers add up and underlying paperwork is in order. Also consider online banking, investing and bill payment as a way to save more time and money.

Bottom line: Taking a midyear break to review your finances gives you a thoughtful opportunity to spot errors, adjust your budget and save on taxes.

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