WUES students perform as part of Honor Choir Ohio Brush Creek Canoe/Kayak access completed Hall of Fame Christmas in Portsmouth Thyme to trim the Christmas Tree Junior High Lady Hounds get season-opening sweep Lady Devils roll past Paint Valley in season opener Senior Profile: Jessica Johnson Michael E Roberts Sr Evelyn L Jones Thomas M Calvert Ryan, Sowards lead Lady Indians to easy win in season opener, 57-36 over Felicity Senior Profile: Wes Hayslip Justice off to hot start at VSU County boys’ squads on display in annual SHAC Preview Night ‘Operation Christmas Child’ collects 1,707 shoe boxes for needy children Two animal cruelty cases investigated in Adams County DP&L considers closing power-generating plants in county Holiday spirit makes an early appearance in Adams County Chester A Mann Jeffrey A Daley Sr Michael G Tincher DAR sponsors Good Citizen Award Ohio’s young hunters harvest nearly 6,000 deer during Youth Gun Season Senior Profile: Kayle Thomas Helen N Hiestand Rev Walter R Egnor Sr Betty Beam Jamie L Corrill Jeffrey L Heppard Edsel L Massey Jr It is time to stop and take time to give thanks on a special day Another year to be very thankful for Senior Profile: Savannah McCoy McCoy signs to continue golf career at SSU North Adams hosts SHAC Girls Preview DAR commemorates 50th anniversary of Vietnam War Historical Society honors veterans Star Wars routine leads Fancy Free Cloggers to ‘America’s Got Talent’ A Day at the Opera Eagle Creek draws community to Thanksgiving celebration Ward ekes out victory over Worley in county commissioner race Mary A Garman Ronald L Palmer Joseph S McClanahan II Emma O Hayslip Devils slip by Georgetown in Foundation Game Hupp, Hunter, Wolke named OSSCA Second Team All-State Senior Profile: Kain Turner Lady Devils romp in Foundation Game Oh, those aromas coming from Mom’s kitchen What Became My Biggest Project Deer gun season set to begin ‘Trees to Textbooks’ shares revenues with local schools and communities BREAKING NEWS Winchester’s Baxter wins Miss Ohio USA 2017 pageant Genny Elkins Pauline S Stevenson Donald E Lewis Sr Charlotte R Seaman Ruth Prater Bennie Skaggs Gertrude Swayne West Union High School hosts impressive Veterans Day ceremonies Peebles Elementary hosts ceremony to honor local veterans Duke Energy exits Killen and Stuart Plants GE Aviation hosts annual Veterans Day celebration Senior Profile: Logan Gordley Jeffrey A Brown Sr Peebles Library welcomes local author and survivor on Nov. 19 Homer C Eldridge Robert W Schomberg One Commissioner race too close to call in unofficial count Voters approve majority of county levies on Tuesday’s election ballot NAES Sixth Graders practice the democratic process Honoring one who gave the ‘last full measure of devotion’ Overcoming adversity, veteran of Iraq War opens local business Senior Profile: Ben Figgins Senior Profile: Macy Mullenix SHAC Basketball Previews are set for Nov. 18 and 25 Trio of local golfers finish careers with trip to the highest level of high school competition Peebles sophomore Jenny Seas finishes sixth in OHSAA state cross-country meet Upset win sends Trump to the White House ACRMC awarded plaque for 50 years of service Peebles Elementary releases Honor Roll for First Nine Week Grading Period BREAKING ELECTION NEWS! Senior Profile: Jordyn Kell Orlie H Kirker Military homecoming at NAES Second half spells doom as Greyhounds fall to Hillcrest 42-12 in finale Senior Profile: Sarah McFarland WU’s Horton will continue golf career at SSU Lady Devils’ season ends in heartbreak with 3-2 loss in District championship battle Christine R. Ritchey Operation Christmas Child begins Nov. 14 Mental Health levy on tomorrow’s ballot Wanda L. Nixon David Rogers Robert “Bobby” Leonard Keneth Waters
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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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