Manchester grad enjoys a “Super” Experience Taking Adams County patriotism to the state capitol John P Sininger Jo Ann Hayslip Harvey U Schrock Eunice G. Burgess Senior Profile: Kaulen St Michael Cox Racing returns to Brushcreek on April 2 Southern Hills Athletic Conference holds Winter Sports Awards ceremony Adams County provides multiple walking venues Adams County parks are tobacco-free Rhoads Memorial 5K Run/Walk is April 9 Peebles Elem. Staff of the Month Floyd E Maddy Raymond A Holt Derrick Poe Spencer E McFarland Mintie F Rogers Roberta Eylar Big Time Wrestling coming to NAHS Carl Tomlin CTC students help with storm clean-up Opening the door for high-tech jobs Jack R Slyger Thomas Stratton Jr Eastern Lady Warriors headed to Final Four Senior Profile: Logan Rogers Southern Hills Athletic Conference names 2016-17 All-Conference Basketball Teams Winchester PD continues assault on drugs Alonso joins Defender staff Sheriff to set up outpost in Manchester Johnson named OEDA Membership Chairperson Sherman E Young Ruth Jackman ‘Kitten Season’ comes to Ohio Manchester Council votes to disband PD Olde Wayside Inn under new management Two overdose on heroin Senior Profile: Ethan Parrett Adams/Brown Youth League holds postseason tourney Three nights of pain Furious rally falls short, Lady Devils again eliminated in Div. III district finals, 45-42 Oscar Moore Barbara J Finnegan Ohio Senate and House honor Miss Ohio USA Michael Eldridge Frances Towner Thelma R Williamson BREAKING NEWS: Manchester council votes to eliminate police department Before all dogs go to heaven Adaptive Bikes delivered in Adams County Adams County Junior Fair Market Hog Identification plans announced for 2017 Local couple takes ownership of two local businesses Jo Hanson to retire after nearly 50 years in banking Sierra Club, hero or villain? Greyhounds, Devils are runners-up in SHAC Tournaments Harold L Purdin Senior Profile: Jacob Wickerham 98-year old author publishes first book Early March storm packs destructive punch Jeeps rally in second half to end the Peebles season How about some post season awards? Thanks for all the great sports coverage PHS Principal hopes to expand students’ world view When spring becomes a promise Greg Lorenz Clay shoots the lights out, shoots down Greyhounds’ season Senior Profile: Savannah McFarland Devils put up a good fight, but fall to Portsmouth in sectional final, 50-43 Second half comeback sends Lady Devils to district finals for third straight year Butts honored by Southeast District Athletic Board North Adams Elementary holds Random Acts of Kindness Week Chester W Eyre BREAKING NEWS: March makes its entrance with force WUES kicks off Right to Read Week with guest readers WUHS students see Aronoff show on the life of Edgar Allan Poe Local high school seniors winners of Wendy’s Heisman Awards The emotions of a senior year Market Hog Clinic scheduled for March 4 Venture Hawks fall to Scioto County Senior Profile : Colton Thornburg Lady Dragons’ season ends with sectional loss to Lynchburg Devils advance in tourney with convincing win over West Union, will face Portsmouth for sectional title Wenstrup selected as Vice Chairman of House Armed Services Military Personnel Subcommittee Adams County 4-H Shooting Sports to hold fund raiser 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

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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