Betty D Cox Michael L Evans Thelma R Stamper Therese A Boerger Lady Indians go down in straight sets to Valley in sectional play Manchester hosts the inaugural Southern Ohio Cheer Challenge NAHS girls claim soccer sectional title Seas siblings are SHAC Cross-Country champions Lady Devils will collect fourth consecutive SHAC gold ball trophy Lady Hounds ousted in sectional tourney opener Peebles Lions Club holding Thanksgiving fund raiser FFA Fruit sales have begun, run until Nov. 18 Historical marker is repaired PES will present ‘Beauty and the Beast’ Eagle Creek Health and Rehabilitation Center Open House showcases new unit PES teacher honored by ACOVSD Board Friends of North Adams Library dedicate new brick Veterans Memorial Senior Profile: Landon Wright Geneva E Vogler Susan L Kremin Local golf teams complete play at state tournament Lady Dragons make school history with tournament win Browning gets hands-on look at NASA’s latest robotics Local beautician celebrates 80th birthday Health Department appeals to November voters Betty R Toller Senior Profile: Craig Horton Helen F Hoffer Super Saturday at Freedom Field Lady Dragons hang on for five-set victory over Manchester Seventh Grade Lady Hounds are SHAC Tournament champions Peebles Elementary announces September Students of the Month Rideout’s Muffler celebrating 40th anniversary this month Senior Citizens levy will appear on November ballot Bonnie J Orr Dorothy M Edenfield Senior Profile: Grace Barge Jerry Paquette Dragons get big 38-20 win at Green Manchester takes varsity team titles at West Union Invitational Lady Devils knock off Peebles on Volley For the Cure Night Manhunt ends with arrest of alleged bank robber Senior Profile: Kelsey Friend Lady Dragons finish as District Runners-Up Sectional pairings announced for volleyball and soccer 2 and 3 and worried is me Patricia Clift Adams County Humane Agent saves abandoned dogs and puppies Tourism had major economic impact on Adams County in 2015 Senator Portman brings his campaign to Adams County Betty E Lawson Sanborn NAHS holds National Honor Society induction ceremonies Harlan W Benjamin Joyce A Lafferty Senior Profile: Lee Hesler Dragons get SHAC win, 2-1 over Fairfield North Adams tops Peebles in ‘Kickin Cancer’ battles Double duty coming at Boys’ State Golf Tournament as West Union and North Adams both qualify Humane Society providing ‘Straws For Paws’ North Adams Elementary honors students and staff Russell Rockwell Julie L Wagner Hobert C Robinson Samuel D McClellan Brenda S Bare Clarencce Walker Jr Dolly M Hilterbrandt Jack Roush Day returns to Manchester West Union FFA has busy opening to school year ODOT opens new full-service Maintenance Facility Peebles Elementary introduces Peer Mentoring program Frost is recipient of Morgan Memorial Scholarship Peebles Fire Department has a new addition Heritage Days return to Tranquility Wheat Ridge Olde Thyme Herb Fair and Harvest Festival begins Friday Caraway Farm hosts annual Pumpkin Festival ‘Run Gio’ makes a visit to Adams County Senior Profile: Mackenzie Smith West Union, North Adams grab top two spots in Division III golf sectional tournament This memory will live with me forever Will M Stern West Union and North Adams-State Bound! Lillian N Smith Betty R Shelton Barbara ER Bohl Brenda Farley Senior Profile: Caitlyn Bradford Dragons roar to 40-0 Homecoming victory Greyhounds take three of four races at annual Adams County Meet Monarch Meadows holds grand opening Discovering a touch of glass on Erie’s Shores Junior L Conaway William B Brumley Sr Fred G Davis Ohio Valley FFA Officers for 2016-17 named ACRMC Emergency Care Center renamed after Dr. Bruce Ashley West Union holds football Homecoming festivities First graders pick the Sheriff Cross honored by ODNR with the prestigious Cardinal Award Renowned Ohio artist visits WUHS

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 ( 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 ( 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 ( 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 ( 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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