Pamela M Hampton Former county sheriff celebrates 80th birthday Missing Adams County man is found Lady Hounds fall to Whiteoak in slugfest Calvert’s walk-off gives Hounds 9-8 win over Whiteoak Charles A Benjamin Give My Regards to Broadway Joyce Berry Joe L Easter William E Foster Margaret Belcher John M Cheatham Ronnie Simpson Under new management county hospital is thriving against all odds Historic fairground gazebo demolished One year later, still no arrests in Rhoden family murders There will be trouble in River City! Monna L Fitzgerald Jesse Carrington Janice M Sowards Rhoden family members make plea for tips in Pike Co murders of loved ones Quilting – the art that’s no longer just for Grandma Young is Adams County recipient of Franklin B. Walter All-Scholastic Award Wenstrup recognized as Community Health Advocate Ready, set, go! 25th annual Egg Hunt draws hundreds Applicants needed for Adams County Fair Queen Humane Society encourages responsible animal ownership ACCS holds annual Science Fair Peebles Elementary names March Students of the Month Pierce fires perfect game as Peebles blanks West Union Hunters preparing for 2017 Wild Turkey Season Lady Hounds fall 12-3 at Lynchburg Dragons lose early lead, drop SHAC match up with Fayetteville, 13-6 Senior Profile: Isaiah Anderson Devils roll to big SHAC win at Ripley Despite soggy night, WUHS hosts annual Invitational Meet Celebrities for a night George F Carr Jr Teresa S Hoskins Mary B McClure Richard B Collins Randall D Fetters Former Manchester officer indicted on five counts WUHS student wins state Beta Club Secretary’s seat OVCTC students part of state competition S.R. 73 closed for culvert replacement Peebles Lions Club holds first Easter Egg Hunt Weyrich graduates with honors from Pittsburgh Institute of Aeronautics North Adams Elementary releases Honor Roll for Third grading Period Scholarships available from Jefferson Alumni Olympic athlete speaks at April 6 SAAM event Venture Hawks end their basketball season with a victory at WUHS Devils baseball sweeps doubleheader from Northwest Greyhounds gain SHAC split, split twinbill with East England signs with Rio Grande golf Pierce fans 16, Lady Indians blank Eastern Brown 4-0 Maybe somebody on the river does have a plan Senior Profile: Ryan Dryden Enjoying the view Still a time for celebration Carl R Brown Lena R Staggs Adams County Crews Schedule Culvert Replacement Projects Merlan Shoemaker Dwayne E Thompson Help is on the line! West Union Elementary honors February Students of the Month WUHS hosts 2017 All-County Arts and Music Festival Ohio Brush Creek Canoe/Kayak Access Grand Opening set for April 20 Kasich cracks down on opiate-based prescriptions West Union High School students have successful trip to State Beta Convention North Adams Beta Club excels at State Convention ACRMC hosts annual Health Fair Robert H Bushman Senior Profile: Skylar Newman Nine-run inning leads Lady Hounds to run rule win over West Union WUHS foursome breaks school record First county baseball battle goes to the Greyhounds On the road, Lady Indians pick up two more SHAC victories Senior Profile: Christa Williams One more ‘shining moment’ for SHAC seniors at C103 All-Star Game Esie M Chandler Phyllis Adkins Former Manchester police deputy faces Grand Jury Indictments Cornell tosses no-hitter, Fenton goes deep, Dragons open season with 11-0 SHAC win over Whiteoak New Verizon store opening in West Union Stephen R Palmer Dual culvert replacements for SR 73 Deana P Grooms Tim Phipps Marcella Walker Alvin R Mitchum Senior Profile: Chase Darnell SHAC hoopsters shine at District 14 All-Star Game Greyhounds run rule St. Pat, 15-0 Indians drop SHAC opener West Union hosts early JH Track Meet North Adams student wins state Beta Club President’s seat Anna B Copas Charles A Nelson

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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