Wilmington News-Journal from Wilmington, Ohio • 7

i'Z 'f WilmmriAn KIavltc IaimaI Business xB 1 7A Thursday July 2 2009 53 year old fixture enhanced The Clinton Swim and Tennis Club invested $100000 worth of improvements during the past year Improvements include a new vinyl liner for the pool a new concrete deck and significant expansion of the fenced in area All improvements were made without increasing the membership dues said a news release The Clinton Swim and Tennis Club board said it believes vital to re invest in the community supported the club for 53 years club looks forward to providing family recre ation for many years to come" added the release Helping with construction were Concrete Deck Brown Plumbing Ellis ence plus electrical work by Rod Christian and Scott Henman Board members are President Greg Law Vice President Rich Gar mai Secretary Sheila Boland Treasurer Jeff Link ous Cherie Dixon Tanya Snarr and Tim razier Contributed photo ar jntH 1 1 11 BEM 1 fB vA flifw ox retires as Peter ox has retired as chief commercial officer of Air Transport Services Group (ATSG) effective Tuesday ox 60 formerly president and chief executive officer of Cargo Holdings International (CHI) was appointed chief com mercial officer of ATSG in March 2008 following acquisi tion of CHI in December 2007 his long successful career as an air freight and logis tics industry entrepreneur work over the last two years to bring the CHI companies he developed into the holding com pany now known as ATSG has positioned us for much greater success in the President and CEO Joe I letc said is stronger being a more diverse provider of air transport and related services to a much wider customer base as a result of Peter substantial con tributions to our added Hete CHI formed in 1999 was the parent of several related busi ATSG officer nesscs including Capital Cargo International Airlines Inc (CCIA) an all cargo air carrier ox founded in September 1995 ox was president and chief executive officer of CCIA ox founded and managed Capital Management Corporation an ownerdevcloper of ramp side cargo warehouse facilities and Capital Cargo Ltd an airfreight consolidationware housing company ox will continue to supportATSG in an advisory capacity for the remainder of the year said a press release ATSG is a provider of air cargo transportation and related services to domestic and foreign air carriers and other companies that outsource their air cargo lift requirements Through five prin cipal subsidiaries including three airlines ATSG also pro vides aircraft leasing aircraft maintenance services airport ground services fuel manage ment specialized transportation management and air charter bro kerage services Prepare to declare financial independence As a nation we celebrate Independence Day this week with fire works picnics and parades AsNjitizens good to reflect on the many free doms enjoy in this country But as individuals we define freedom in many different ways and one of the most important of these could be financial freedom why you may want to take the steps necessary to eventually declare vour own Independence or example consider the following Pay yourself first In difficult economic times it can be hard to set aside money for your future But if you can afford it try "paying yourself first" by having some money moved automatically each month from your checking or savings account to an investment If you never actually the money you probably won't miss it and over time you may be pleased by the growth in your investment As your salary goes up consider increasing the amount you automatically invest Invest for growth Given the recession understand able that many people would shy away from investments whose principal may fluctuate understandable but not necessarily wise because historically Edward Jones Investment advice these investments can possibly offer more potential for growth hen a reces sion ends likely need this growth if you're going to become financially independent Although past perfonnance is not an indication of future results by holding these investments for the long term you may be able to lower the risk involved because over lime quality investments tend to overcome periods and trend: upward You also can help control risk by including in your portfolio some fixed income vehicles such as bonds and certificates of deposit Reduce vour debts Debt may be your biggest obstacle to financial independence It may take a fair amount of time to get rid of your debts but consider your current situa tion and the options available to you which might include evaluating your largest debts paying down high rate credit cards and avoiding new loans whenever possible or example mortgage rates are low compared to historical measures so you might consider refinancing your exist ing mortgage to lower your monthly payment This w'ould give you addition al cash flow you could use to pay off credit card debt Help protect your income If you were to become ill or injured and could not work for an extended time period you might jeopardize your well being and your prospects for financial independence hy you may want to consider purchasing a disability insurance policy If you work for a large company your employer may offer this coverage but it might not be sufficient so you may need to add some private coverage And if you work for a small company or are self employed need to find disability coverage on your own True an added expense but also an investment in your financial future inancial freedom like other types of liberty does not always come easily To achieve it likely have to work hard But it will be well worth the effort when your own inancial Independence Day docs arrive EDITOR NOTE Ihis Jinaiieial advice column is contributed by Edward Jones Inveslmentse Vernon Butch" Hooper is an Edward: Jones financial advisor in Wilmington CASEHi AGRICULTURE 4" 9 GET INTO YOUR CASE IH DEALERSHIP TODAY! OER ENDS JULY 31 2009 ree badtf offer irttfudM a rwi seM kevehng leader with standard material bucet optwntor atotal suggested list L360 1720 LorL74O Laadawfieri you purchasea new arrtwIfBl lOSU tractor Dealer untiHataonaddriKanJoptwyns and accessories above inawnum suggestedlfttixKe ancihetghlaerKJt inciuded ft or commercial use only Customer participation jubject to credit qualification and approval by Capital America LID See your Case IH dealer for defalk and elrglbflfrequaements Down payment may berequrred Otter good through July 31 2009 Not ailcotlomrsorappkants may qualdy lot this rote or term CNHCaprt al America LLCstanda'd terns and conddjons wlllapply Taxes freight set up tfeiiwy addibona! optkffls a attachments not mduded in suggested retail price Otte subject Io change or canceHatlonwHtoul notice 2009 CWi America LLC wwweasethoom right down through that last item on your to do list Selecting one for your is easy Choosing between offers however is not so easy Of course if you buy the matching loader and the entire package at 0 who says you have to a 1 4 i ai am ror more inrormanon or to locate a oeaier near you visit caseiii com INTEREST for 60 MONTH 1IX 0 DOWfi OR PAYMENTS MtiOTHS rTRACTORSv i fBvM OTAt': mn MW Wn III I 5 nESBMba "WT0RS4 ft ra BOBiS wo nrf! iii i 111 vTaEfeMt i i A B' i 1 With a 53 year old fixture enhanced The Clinton Swim and Tennis Club NeV $100000 worth of improvements during the past year Improvements include a new vinyl liner for the pool a new concrete deck and significant expansion of the fenced in area All improvements were made without increasing the dues said a I news release The Clinton Swim and Tennis Club 741 board said it believes vital to re invest in the 1W wf 'V' 'W 1 community supported the club for 53 years club looks forward to providing family recre ation for many years to come" added the release Helping with construction were Concrete Deck Brown Plumbing Ellis ence plus electrical work by Rod Christian and Scott Henman Board members are President Greg: Law Vice President Rich Gar nai Secretary Sheila Boland Treasurer Jeff Link Cherie Dixon Tanya Snarr and Tim razier contributed photo.