Linda M Howland Nellie B Hayslip Russell E Bailey Gladys M Perdue Commissioners meet in Columbus with DP&L CEO Tom Raga Missing the Dirtrollers The farms that aren’t forgotten Flora Hilderbran Commissioners to meet with DP&L officials New state graduation requirements called a ‘train wreck’ Catching up with Keller Senior Profile: Justin Knechtly Piketon size is too much for Lady Indians, Peebles falls in sectional finals Greyhounds grab Senior Night win Indians finish regular season riding six-game winning streak Harper, Hupp, Defense lead Lady Devils to fourth consecutive sectional championship West Union Elementary recognizes Students of the Month for January Second Healthy Hero awarded by Adams County Health and Wellness Coalition Coal company files to intervene in power plant closings Senior Profile: Jessica Sowards Senior Profile: Dennis Welch Dorothy E Walls Mabel Chamblin Michael R Jones Marie I Simmons Ray Johnson One thing to remember this President’s Day Adams County Deer Harvest down over 21% MLSD amends five-year budget, prepares for future with power plant closings Lady Dragons triumph in sectional opener Lady Hounds eighth graders capture SHAC Tournament title Gary L Fetters Sr Boys Sectional brackets released ‘We’re only as good as the way we treat others’ Another round of smiles Adams County Board of DD members recognized Terry L Unger 8th Grade Lady Devils ousted in tourney semis WU’s McCarty signs with Ohio Christian Joyce A Huddleson Carolyn Spires BREAKING NEWS: Peebles police search for man accused of selling marijuana-laced sweets Decision Time BBN Senior Profile: Summer Grundy Lady Devils fall to Southeastern, 56-48 Devils outlast Manchester 47-44 in double overtime Peebles holds second Hall of Fame Ceremony Senior Profile: Patrick England Sowards hits 1,000, ties PHS three-point mark County agencies prepare for sweeping budget cuts Manchester Council votes to cut police chief’s hours Wrestling debuts in Adams County Peebles Library hosts book signing As plants power down, community must step up Raymond P Dryden Alva Palmer Billie L Shoemaker Judith Long Brent A Arn Girls basketball sectional pairings announced WU’s Weeks will continue gridiron career at next level West Union JH Boys drop pair at Ripley Eighth Grade Lady Hounds roll into SHAC semi-finals Janet A Kennedy DP&L moving ahead with plans to close power plants Outreach Center in Peebles is a hub of giving River Sweep contest winners announced Gordley hits 1,000 mark, but Indians drop crucial SHAC contest to Lynchburg Manchester lifters compete at Piketon Senior Profile: Madelyn Sanders Charles L Hurd Randy Casto Bobby Strunk Dorothy J Scott Chester A Lanter Coach David Smalley picks up 500th career win at Rio Grande Dustin Holbrook Senior Profile: Camron Gordley As usual, optimism abounds on 2017 Reds Caravan Breeze, Beasley newest members of NAHS Athletic HOF Two humble men Adams County Manor Home Health Care makes road to recovery easier Don and Venita Bowles named as Outstanding Fair Supporters ‘Tip off For Tammy’ is a huge success, joint effort by two schools Husted campaign makes stop in Peebles Benefit held for double-lung transplant recipient I loved that muddy water, building in the creek Margaret E Broughton Larry A Hanson DP&L press release confirms closing of power plants Eighth grade girls showdown lives up to hype, North Adams wins in overtime, 45-43 Senior Profile: Raeanna Stamm North Adams Football sign-ups coming soon North Adams JV girls go 11-4 with win over Peebles Harper wins MaxPreps/JJHuddle Athlete of the Week West Union duo headed to the college gridiron Lady Devils make it 11 straight with win at Peebles Adams County residents attend Trump Inauguration A Look back at our Archives Peebles native comes home to film documentary

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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