G-Men win streak hits 5 Runners compete at Vern Hawkins XC Invite Lady G-Men stand at 3-2-2 SHAC play begins for Ripley golfers Week 3 football roundup Jays rise to 5-2 with win over Williamsburg Audrey F Staten Rural Heritage Quilt Show winners RULH Elementary first graders take on new technology 2017 DAR Charity Golf Scramble St. Michael students visit “Living Lands and Waters” RULH High School reaches out to those in need Lillian E Cowdrey Catherine A Houk Warriors win Jim Neu XC Invite Week 2 football roundup Broncos unbeaten at 4-0 Lady Broncos compete in Bob Schul XC Invite Ronnie L Day Nettie F Lightner Buildings demolished, Village waits to be paid Ohio Rural Heritage Festival celebrated Henry E Fields Anleah W Stamper Maxine M Garrett U.S. 68 reopens Drought ends for Lady Rockets G-Men rise to 3-1 with back-to-back victories Rockets cruise to 4-0 win over Jays Lady Broncos start off SBAAC American Division play with 3-2 win over Goshen Week one football roundup Preparation begins for Ripley River Village Christmas celebration 3rd Annual Job Fair sponsored by Open Arms*****Always helps Veterans and others Evelyn E Smith Peggy A Wiederhold Thomas P Neary Warriors kick off SHAC play Lady Broncos stand at 2-1 Late Devil goals lead to Lady Warrior loss David R Carrington Sr 2017 Ohio Rural Heritage Festival Ripley DAR contributes towards new village flags Rural Heritage Festival event schedule Betty G Schatzman Robert L McAfee Paul V Tolle Herbert D Smith Helen R Little Eugene M Press Lady Broncos out to defend league title SHAC holds volleyball preview Lady Warriors packed with experience, talent for 2017 fall soccer campaign Georgetown’s Sininger off to excellent start for 2017 golf season RULH BOE recognizes Dr. Naylor for years of service as superintendent RULH Superintendent invites public to district open house Bob Groh Memorial Show set for August 26 at Heritage Festival ‘Support Your Veterans’ Car & Bike Show Danny F Dickson Eva J Smith Michael R Stewart Sr Charles McRoberts III Marsha B Thigpen Michael L Chinn William A Coyne Jr Woman found dead in Ripley A girl’s life on the gridiron Rockets face G-Men in preseason scrimmage 13th annual Bronco 5K Run and Fitness Walk draws a crowd William C Latham Over 20,000 pounds of trash picked up in and around Ohio River in Ripley Ripley Village Council approves water plans Steps at Rankin House closed Marilyn A Wren Larry E Carter Virginia L McQuitty Practices get underway for fall sports Jays soon to begin quest for SHAC title Western Brown to hold Meet the Teams Night and OHSAA parent meeting Aug. 8 Norville F Hardyman Carol J Tracy James Witt Ripley officer receives commendation for quick action Bicentennial at Ripley First Presbyterian RULH welcomes new school principals Aberdeen’s Police Dept. continues to grow Mary F McElroy Broncos out to defend SBAAC American Division soccer title Bronco 5K to take place Aug. 5 EHS volleyball team ready for new season Michael C Cooper Raymond Mays Harry E Smittle Jr Mary A Flaugher Western Brown’s Leto excels in Australia Rockets ready for 1st season in SBAAC Paddling, hiking activities available at Ohio State Parks SB Warriors get set to hit gridiron for 2nd year of varsity football Scotty W Johnson Glenna V Moertle Rickey L Hoffer

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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