Thomas M Calvert Thomas J Wolfer Cropper coaches way to 500th career victory Ohio’s Deer-Gun Season opens with more than 18,000 deer harvested Lady Broncos face talented Wilmington squad in season opener at Western Brown SHAC teams hit the hardwood for annual Boys Basketball Preview Western’s Leto and Jones excel in sophomore season of XC Lady Rockets open season with victory over Hillsboro Gary P Garrison Rev Larry T Allen Georgetown, Eastern MS honored by state Woodruff updates Chamber of Commerce Operation Christmas Child reaching out overseas G’town Christmas Parade Dec. 3 Ronald E Blessing Sharlee R West June A Goecke Rockets earn OVAL honors Ogden Court dedication set for Dec. 10 Jays host Broncos for OHSAA Foundation Game Ohio’s young hunters harvest nearly 6,000 deer during Youth Gun Season SHAC holds Girls Basketball Preview Foreclosure filed on former Meadowwood Care Facility Ten indicted by Brown County Grand Jury Nature Works Grant funds for new Senior Playground Shop with a Cop looking for donations and support BC Beekeepers Association busy rescuing honey bees Hilda F Steele Ronald L Palmer Bruce E Phillips Elizabeth J Ellison Daniel L Turner Cook inducted into OIAAA Hall of Fame Eastern honors Coach Kiser G-Men, Devils battle it out in OHSAA Foundation Game Jester is OVAL Football Player of the Year Ipad program a success in Georgetown schools Powih sentenced to six years on rape charges Air Evac team to get new headquarters building in Georgetown Four sentenced in Brown County Common Pleas Court Homer C Eldridge Dennis D Johnson SBAAC First Team soccer all-stars take home awards Ohio’s Deer-gun hunting season quickly approaching League champ Lady Broncos recognized at fall sports banquet SBAAC awards First Team football all-stars, league champion teams Irene D Thurman County GOP sweeps at ballot box Landfill project to provide electricity Three indicted by County Grand Jury BREAKING ELECTION NEWS Wanda L Nixon Ella A Moon David Rogers Joanna W Carter Ann L Yeary Tony Gacek Rigdon finishes 3rd in Pickerington Div. III Regional Meet, advances to OHSAA XC State Tournament Week 10 football roundup Linkous named SBAAC American Division Soccer Player of the Year SHAC awards boys golf all-stars, winning teams Donald L Bauer Andrew W Brown Early voting still going strong at Election Board Tree ordinance brings more questions at G’Town Council Steele named new mayor in R’ville ABCAP’s Reproductive Center receives $2,000 from Jaymie Jamison Foundation Robert E Bailey Myrtle L Stiltner Etta M Mays Kathleen A Holden Eastern XC teams head to Regional Meet A season to remember Lady Warriors finish runner-up in SHAC Div. I Lady Broncos finish season 10-8-1 Week 9 football roundup G-Men and Colwell head to Div. III Regional XC Meet Marie E Thompson Georgia E Smith Jonathan C Gee Wenstrup discusses regulations, drug issue Woman charged with injecting pregnant woman Public meeting on drug problem draws large crowd BC Chamber of Commerce looks for nominees Mary A Brauns Lynn V Augline Denise A McCleese Tommy E Vaughn Beulah M White Anthony Dozier Moore sentenced to 16 years in prison for assault Tea Party holds candidate forum Hamersville Police Dept. introduces newest officer Russellville Council takes action on closing alleys Anthony R Traylor Caryl J Eyre Jays clinch 2nd in SHAC Division I Week 7 football roundup Battle between Eastern, Ripley ends in tie
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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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