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 Don and Venita Bowles named 2016 Outstanding Fair Supporters PES students part of new Lego League Ferno donates $2,500 to OVCTC From the cistern to the city water Basketball officiating class being offered in October Peebles rolls by West Union in straight sets Par for the course, Dragons sweep SHAC Golf titles Greyhounds hang on late for first win of 2016 season You have to understand the process to understand the job Alex K Miller Ann E Campbell Scott N Atkinson Senior Profile: Tyler Fowler Martin named to All-Tourney Team in North/South Battlefield Classic 200 years on the banks of the Ohio, in a little town called Moscow Edwin P Prince ACRMC Emergency Care Center renamed after Dr. Bruce Ashley

Money management for the ‘Boomerang’ household

Due to recent economic realities, multi-generational living has been on the rise for many families.

A 2014 Pew Research Center analysis ( showed that a record 57 million Americans, equal to a little over 18 percent of the U.S. population, lived in multi-generational family households in 2012 – double the number in 1980. The major driver was young adults aged 25-34. According to Pew, nearly 24 percent of these older millennials lived in multi-generational households, increased from nearly 19 percent in 2007 and 11 percent in 1980.

It’s possible the “boomerang” family trend will remain in place for some time to come. For homeowner parents who may also be juggling the “sandwich” responsibilities of caring for older relatives, paying attention to the financial and behavioral details of taking in family is critical. Here are some suggestions to consider:

Your finances come first. Operating a full house means higher utility and food costs and additional wear and tear on the property. Taking in family also shouldn’t derail a parent’s career goals or retirement planning, nor should it diminish other necessary financial objectives like maximizing savings or eliminating debt. That’s why dual- or single-parent households might begin with a complete financial assessment before welcoming kids or elders back home. A discussion with qualified financial and tax advisors might be worthwhile to determine how much expense you can take on. For arrangements that go beyond free lodging to direct cash support of family members, gift tax issues should be explored.

Make a real agreement. A home is stability and therefore something of significant value. That is why it is appropriate to consider rent or request in-kind services in exchange for room and board. Young adults – particularly those who were fully under parental support in college – need to learn this important lesson even if they are moving home to save money to pay off loans, to buy a car or put a down payment on a home. Ask trusted advisors about what makes sense in your situation. If you decide to accept rent, know there are potential tax issues ( based on the structure, timeframe and expenses related to such an agreement. Legal paperwork may be required, but there also may be rental expenses you can deduct.

Establish timelines. In the real world, financial arrangements are rarely open-ended. Depending on the financial, tax and legal advice you receive as well as local tenant law and personal preferences, you may be signing an official lease for your family member’s stay with a specific timeline of months or years. Whatever the requirements, make sure you have an effective framework that sets specific financial and behavioral rules you want met.

Start with a family meeting. Before moving trucks arrive, family members should meet for a discussion about the impending move. Start by letting your child or family member talk through why they want to move in, whether they have financial goals tied to the living arrangement and how long they plan to stay. Share the structure you envision, including the payment details you would consider. No matter how agreement is struck, it should begin with a full discussion of needs, preferences, financial terms, and most of all, ways to make the arrangement successful and smooth. Once the move happens, regular conversations should continue about the living arrangement. After all, boomerang families have unique, ongoing financial issues that will require discussion.

Prepare to track expenses. Once agreed, retrofit your household budget to keep track of higher food, utility and related expenses for cost-sharing and potential tax purposes. Having people you love living with you will hopefully have many rewards that go beyond simple dollars, but always know what the arrangement is costing you.

Bottom line: Opening your home to returning family members is a real financial commitment. Think through money, tax and household issues before you say yes.

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