SBJ - May 2013 by The Southern Illinoisan

MAY 2013

Directory of Advertisers

Inside M AY 20 1 3

MONEY MATTERS Most difficult of times: After a death in the family, there is so much to attend to that addressing financial matters may be put on hold. It is important to focus on those details as soon as possible because the task may be complex. You will need copies of the death certificate, among other things, and you will need to consult the advisors, executors and business partners of the deceased. It also will be necessary to make arrangements for the funds amassed in any retirement plans, which are governed by many rules and regulations. Page 6

ECONOMICS Better yields, but higher risks: With the Fed hanging tough on keeping interest rates lows, investors will be seeking better returns. Those who can tolerate higher risks and greater volatility may want to consider an asset class known as emerging market debt (EMD). Because of the very real risks, EMD should be viewed as one way, potentially, to enhance the overall yield and diversification of a fixed income portfolio, not as a majority or even large holding. Page 7

ENTREPRENEUR’S MAILBAG Focusing on a target market: The days of assuming that customers will

1st Bank and Trust of Murphysboro......20

beat your door down if you build it are long gone. If you are planning to bring a winning product or service to market, you have to be able to reach the right customers. Don’t neglect thorough market research! Even with the right product or service and the right market, you still need to understand the psychology behind the purchase. Page 12

ACHIEVEMENTS Who’s in the news: Find out who has been hired, who has been promoted or who has received an award for efforts in business. Make sure you check out our newest Faces in the News collection of business portraits and learn more of the achievements and honors in regional business. If you know of a business person who deserves special recognition for advanced training, a unique honor or a business expansion, please let us know at sbj@thesouthern.com. Pages 14-15, 17

ON THE COVER Jake Hamilton draws part of the Boondock’s Seafood Co. logo onto a boat outside the restaurant March 28 in Carbondale. Boondock’s opened April 1, replacing a franchise which previously occupied the restaurant area adjacent to Holiday Inn. Photo by Paul Newton / SBJ.

Carbondale, IL 62903. Also reach us on the Web at www.sbj.biz and via email at SBJ@thesouthern.com. The Journal is published 12 times per year monthly, and mailed to businesses, community development leaders, chambers of commerce members and other professionals in Southern Illinois. Copyright 2013 by

Editor: Gary Metro 618-351-5033

618-997-3356, or by visiting our website.

Pepsi MidAmerica .......................... 3. 20

Regions ............................................ 18

SIU Credit Union .................................. 5

Small Business Growth Corp .............. 18

Southern Illinois Healthcare.................. 8

Southern Illinois University ................ 13

Advertising: Mark Dynis 618-351-5815 Online: JC Dart 618-529-5454, ext. 5183

John A. Logan College ........................ 16

Publisher: Bob Williams 618-351-5038

Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL 62901, or at P.O. Box 2108,

Graphics Galore ................................ 15

Database Coordinator: Mark Doman 618-351-5042

State Farm Insurance .......................... 3 Find more business news at www.sbj.biz.

MAY 2013

SOUTHERN BUSINESS JOURNAL

Cover Story

That is the question.

Starting a business? Do your homework on ownership options Most business owners would agree that starting a business involves a lot of decision making. The first decision may be to consider going it alone, purchasing a franchise or even working with a co-op. Jeff Long is in the process of rebranding the Mailboxes Etc. in Carbondale as a UPS store and plans to open early this summer. It is his second store since 2008. His first location is in Poplar Bluff, Mo. Long, who was downsized from his corporate job after 25 years, decided he wanted to work for himself and a

With the recent tax law changes, more people can take advantage of a Roth IRA. Let us help you decide. Like a good neighbor, State Farm is there.® CONTACT AN AGENT TODAY.

BY DEB SAUERHAGE SBJ CORRESPONDENT

Roth IRA: To convert, or not to convert? Bill Ecker, Agent 805 W DeYoung St Marion, IL 62959 618-993-3370 Fax: 618-997-1650 billecker.com

TJ Gentry, Agent 1257 E Walnut Street Ste 3 Carbondale, IL 62901 Bus: 618-351-0174 Fax: 618-351-0175 tjgentry.com

statefarm.com®

Find more business news at www.sbj.biz. franchise was the answer for his leap into owning a business. “Most franchises offer very good training,” he said. “They require a certain image. They don’t just let anybody in.” He recommends researching a variety of franchises before determining which is best for you. “Do your due diligence,” he said. “Explore every option. Talk to others.” Most franchises will expect a lot of SEE COVER / PAGE 4

E H T L E FU ZY

N E FR pepsimidamerica.com

1.800.827.7020

SOUTHERN BUSINESS JOURNAL

MAY 2013

Cover Story Boondock’s Seafood Co. opened on April 1, replacing a franchise which previously occupied the restaurant area adjacent to Holiday Inn in Carbondale. El Greco in Carbondale (inset left) was purchased by local business owners after it’s closure Jan. 30. George Sheffer (inset right), owner of Murdale True Value, shows off some energy-saving washing machines at his Carbondale store. PAUL NEWTON / SBJ SBJ FILE PHOTO

FROM PAGE 3 financial investment up front, but offer training and brand recognition. One downside, according to Long, is that you have to comply with the rules whether you agree or not. But overall, he is happy with his decision to open franchised businesses. “It happened at the right time in life,” he said. “We have plans to open four to five stores in the next five years. We have done very well.” Long’s new UPS location will be the largest UPS store in the U.S. His Poplar Bluff location is the No. 1 UPS store in the U.S. Trace Brown, owner of Carbondale Holiday Inn, Boondock’s Seafood Co. restaurant and other businesses, has experienced both independent and franchised ownership. He recently closed a franchised restaurant and opened Boondock’s. According to Brown, there are pros and cons to both types of ownership. “With a franchise, you get brand consistency,” said Brown. “Customers know what they are getting. You get a good-looking product.” In addition, there is brand recognition

and money for marketing and design. But there may be a downside. “With a franchise you lose all control,” he said. “The franchise may even dictate where you by your food.” Brown considered some of the advantages and disadvantages of franchising before opening Boondock’s. “We have control,” he said. “We do all the marketing and produce good quality food.” Brown also has the freedom to make more decisions for the restaurant, which has been open a month. “We’re tweaking the menu if something isn’t selling well,” he said. He is also developing new recipes on his own, something he couldn’t do with a franchise. Brown, who says he has nothing against franchises, considers his hotel franchise a positive experience. “The hotel has been great,” he said. He cites the reservation system and brand standards for helping him to have a successful business. According to Brown, business owners need to know what works for them. “Make sure you have some control in your destiny,” he said. Ethen Jefferson and business partner,

Winslow Chou, are in the process of taking over Quizno’s in Carterville. They also purchased El Greco in Carbondale. Jefferson, a former banker, says he learned by watching successful business people and people who failed before going into business on his own. According to Jefferson, researching and owning the two businesses has been mutually beneficial. “There are plusses and minuses to franchising,” he said. “As an independent, there are no rules or conditions, on the minus side, there is no support.” The lack of freedom can be a drawback while the support is a positive. “You are all the same, it is like a cookie cutter,” he said. “You have to do what they tell you and deal with the vendors they tell you.” On the other hand, you have an experienced business model to work from. Both businesses, Quizno’s and El Greco are well established, and, according to Jefferson, have great staff members in place. Jefferson also recommends doing your research.

“Research the company. Find out everything about them,” he said. “Don’t be afraid to call another franchisee out of your area.” According to Jefferson, asking tough questions is important. An Internet search is key, even reading business blogs can give you additional insights into a business and the pros and cons before making a decision based on your goals. If you want to play it safe, according to Jefferson, a franchise may be the way to go over independent ownership, but both have a place in the market place. “The franchise is the safest,” he said. “The second safest is to purchase an existing business.” Murdale True Value in Carbondale has another option of ownership. The store is a co-op owned business. “A co-op is owned by members,” said George Sheffer, owner. “Together we can take advantage of the synergy.” According to Sheffer, who has owned SEE COVER / PAGE 12

SOUTHERN BUSINESS JOURNAL

MAY 2013

Money Matters When a family member dies: A financial checklist for the most difficult of times BY SCOTT MCCLATCHEY SBJ CONTRIBUTOR

The passing of a loved one irrevocably alters family life. After a death, there is so much to attend to that addressing financial matters related to a family member’s passing McClatchey may be put on hold. This should be done, though, and it is better to do it sooner rather than later. Here, then, is a list of what commonly needs to be looked after. Request copies of the death certificate. Depending on where you live, you have two or three places to turn to for this document. You can phone, email or personally visit the office of the county recorder (or county clerk, as the term may be). You can alternately contact your state’s vital records department (sometimes called the state registrar or department of health), though it may take a little longer to get the document this way. In addition, some large and mid-sized cities maintain their own registrars of births and deaths. Call advisors, executors and business partners as applicable. The deceased’s lawyer and CPA should be quickly notified, along with any business partners and the executor of his or her estate. You must have a say in the decision-making that follows. The goals of protecting family assets, carrying out your loved one’s bequests, and determining the next steps for a business will follow. Call your loved one’s current or former employer(s). Notify the employer(s) even if he or she left the work force years ago, as retirement savings or pension payments may be involved. As the conversation develops, it is perfectly appropriate to ask about pertinent financial matters — say, 401(k) or 403(b)

ART SERVICES

During the most difficult times, there are a number of financial issues that need to be addressed.

savings that will be inherited by a beneficiary — or what will happen to unused vacation time and/or unpaid bonuses. Funds amassed in a qualified retirement plan sponsored by an employer (or an IRA, for that matter) commonly go to the primary beneficiary, who has been named on the most recent beneficiary form filled out by the account owner. That sounds simple enough, but certain rules and regulations can make things complicated. As a general rule, if the late 401(k) or 403(b) account owner was your spouse, then you are the presumed beneficiary of the 401(k) or 403(b) assets. Under the Employee Retirement Income Security Act (ERISA), workplace retirement plans are directed to abide by this guideline. If someone else has been named as the primary beneficiary of the account with your consent, then the assets will go to that person. If the late 401(k) or 403(b) account

owner was single, the assets in the account will go to whoever is designated as the primary beneficiary. The beneficiary designation will override any wishes stated in a will (for the record, the Supreme Court ruled so in 2009). To arrange and confirm the transfer or distribution of such assets, the beneficiary form must be found. If you can’t locate it, the employer and/or financial firm overseeing the retirement plan should provide access to a copy. The financial firm should ask you to supply a certified copy of the account owner’s death certificate and a notarized affidavit of domicile (a document certifying his or her place of residence at the time of death). If the named beneficiary of the retirement plan assets is a minor, his or her birth certificate will be requested. If the named beneficiary is a trust, the financial firm will want to see a W-9 form and a copy of the trust agreement. As to what to do with the retirement

Find more business news at www.sbj.biz. plan assets, there are really only three courses of action. You can transfer the assets into an IRA; transfer them into an IRA you own if the account owner was your spouse; or take the assets as a lump sum and pay the resulting income tax on that money, with the possibility of moving into a higher tax bracket. The value of these assets will be included in the estate of the deceased, unless the named beneficiary is a spouse or a charity. If you have been widowed, call Social Security. If you already receive benefits, you may now be eligible for greater benefits. If your spouse received Social Security and you did not, you may now qualify for survivors benefits. SEE MONEY MATTERS / PAGE 7

MAY 2013

SOUTHERN BUSINESS JOURNAL

Economics Emerging market debt carries higher yields, higher risks BY MICHAEL P. TISON SBJ CONTRIBUTOR

With the Federal Reserve Board reaffirming its commitment to keeping interest rates low, it’s pretty clear that the search for income will remain challenging for the foreseeable Tison future. In this environment, investors seeking portfolio diversification and higher yields, and those who can tolerate higher risks and greater volatility, may want to consider an asset class generally known as emerging market debt (EMD).

New perspective The income attractions of EMD, which encompasses bonds issued by the governments of developing (emerging) nations and by large, creditworthy companies based in those nations, are straight-forward. Yields in many cases are well above those available domestically, from countries whose economies often are growing more rapidly than the economy of the United States. In contrast to years past, that growth is no longer dependent on the export of commodities; instead, many

emerging market nations are developing a substantial middle class, with consumer spending now a major driver of their economies. What’s more, the government balance sheets of some emerging market nations have less debt relative to their gross domestic product than those of the U.S. and other developed countries. Another key consideration is that EMD can help investors diversify their overall fixed income holdings, because EMD performance historically has not moved in lockstep with that of domestically issued bonds. These points haven’t been lost on investors with EMD, as a whole, performing strongly over the last 10 years. However, it hasn’t been a smooth ride. While the size and liquidity of markets for EMD also grew significantly during that period, the turmoil that engulfed global financial markets between 2007 and 2009 generated a flight to quality among investors that resulted in sharp price declines for many EMD issues. In addition, some emerging nations have defaulted on their obligations, something that has never happened with “haven assets” such as U.S. Treasury issues, which offer lower yields but a much higher perception of safety. So, there are potential rewards, and very real risks, among them the possibility of political and social

instability in less-developed nations, less transparency in terms of analyzing a bond issuer’s financial condition, fewer legal protections and recourse for investors, the risk of loss due to currency fluctuations and the possibility of additional tax liabilities. With all that in mind, but also considering a continued low-interest rate environment domestically, how should investors evaluate any possible investments in EMD?

Small piece of the puzzle The first consideration is that EMD should be viewed as one way, potentially, to enhance the overall yield and diversification of a fixed income portfolio, not as a majority or even large holding. Equally important, individual investors should seek guidance when considering EMD, and be sure any investments are made in the context of their overall objectives and their other portfolio holdings. Investing in EMD requires experience and expertise in fixed income markets, as well as deep knowledge about the specific nations and issuers under consideration. In other words, an actively managed portfolio, run by a management team with a depth of emerging market expertise, may be the most prudent and practical way for individual investors to achieve representation in this asset class.

In evaluating investments specializing in EMD — and there are quite a few — now a key question is whether the holdings are denominated in local currencies, in U.S. dollars or a blend of both. Generally speaking, U.S. investors may want to minimize currency risk by focusing on portfolios that invest in dollar-denominated EMD because the currencies of emerging market nations can be very volatile. Some EMD portfolios invest only in sovereign (government-issued) debt, some focus on debt issued by foreign companies, and some invest in a blend of sovereign and corporate debt. Investors should inquire about this, as well. It’s also important to consider the portfolio’s track record and to understand its approach. Do the portfolio managers focus primarily on the credit quality and prospects of the specific issuer, the nation or both? EMD is not a panacea for those seeking income in a low-interest rate environment. But, as a small component of a carefully structured portfolio, EMD may be worth investigating. As always, be sure to discuss this with your advisor. MICHAEL P. TISON is an investment adviser and registered principal with Raymond James Financial Services, Inc., with offices in Harrisburg and Marion. He can be reached at 618-253-4444 or michael.tison@raymondjames.com.

MONEY MATTERS: A financial checklist of what to do when a family member dies FROM PAGE 6 You should let Social Security know as soon as possible, as these benefits may be paid out relative to your application date rather than the date of your loved one’s death. If you have reached full retirement age, you will likely get 100 percent of the basic benefit amount your late spouse was receiving. If you are in your 60s, but haven’t yet reached full retirement age, you may receive anywhere from 71 to 99 percent of that amount. If you have a child

younger than 16, you will get 75 percent of your late spouse’s basic benefit amount and so will your child. Call the insurance company. Assuming your loved one had some form of life insurance, contact the policyholder services department of that insurer and confirm the steps for claiming the death benefit. A claimant’s statement will have to be filled out, signed and presented to the insurance company (one for each named beneficiary of the policy), and a certified copy of the death certificate must be attached to said statement(s). Some insurers also want

you to fill out a W-9 form, which tells the IRS about any interest paid on the value of the policy. Death benefits are generally paid out within days of a claim. Presumably, they will be paid out in a lump sum. If that is the case, they won’t be taxable. Occasionally, insurers will allow the beneficiary to receive the payout as a stream of monthly income. It isn’t unusual for people to own multiple life insurance policies. The AARP, AAA and myriad banks and nonprofits market group life coverage to members/customers, and mortgage

lenders and credit issuers offer forms of life insurance for borrowers. Tracking all of this coverage down is the problem, and canceled checks and bank records don’t always provide ready clues. Not surprisingly, companies have appeared that will help you search for obscure life insurance policies (for a fee, of course), and you should be able to locate these businesses through your state insurance department. If the family member was a veteran, call the VA. Your family may be entitled SEE MONEY MATTERS / PAGE 9

MAY 2013

SOUTHERN BUSINESS JOURNAL

Elder Law Your living will may not be good BY RICHARD HABIGER SBJ CONTRIBUTOR

You have a living will that you signed with the aid of an attorney. How can it not be valid? Let me explain. You consulted with an attorney to do your estate planning, which Habiger included the preparation of a living will and other advance directives. Since your attorney drafted your living will, you presume that it is valid and will serve its intended purpose should you, at any time in the future, not be able to manage your affairs or make or communicate appropriate health care decisions. In Illinois, the living will is a statutory form. So, if your attorney used the statutory form, it is perfectly valid. However, the findings of many studies demonstrate that a living will may not serve its intended purpose when the time comes for it to be used. Keep in mind that living wills are legal documents (albeit, specified by statute) using terminology crafted by attorneys/legislators. Doctors, nurses and hospital personnel work in a totally different environment

where they use medical, not legal, terminology. They focus on the precision of their medical arts, not the nuances of legal terminology. Lawyers may be skilled at interpreting legal documents, but those who work in the medical field are not. Conversely, you would not want your attorney, no matter how skilled he or she is at crafting legal documents, to perform surgery on you. According to Leslie Whetstine, bioethicist at Walsh University, “Living wills are great tools when they’re followed. But, because they often don’t transfer from facility to facility, or are charted incorrectly, making them inaccessible, the decisions they stand for are often lost.” Experienced elder law attorneys also know, based on their many years of experience, that health care powers of attorney, as well as living wills, are frequently charted incorrectly. Thus, both documents are all too often overlooked by medical personnel. Because of this problem, a medical form has been developed. It’s called a physician order of life sustaining treatment and is referred to as a POLST. It is like a medical living will and power of attorney for health care (POA-H) rolled into one form; however, it covers much more than these two legal forms. It covers resuscitation, a patient’s feelings about feeding tubes, aggressive medical

Find more business news at www.sbj.biz. treatment, hospice, pain management, treatment of specific illnesses and many other potential issues. More importantly, it actually requires the patient’s doctor to have a thorough conversation with the patient about these issues. The doctor also must complete and sign the form, which is a special pink color. So what’s the problem? Although the POLST is recognized in 15 states, it is not yet the law in Illinois. However, there is an effort to have the form adopted in Illinois. www.cecc.info/resourcelinks/physician-order-for-lifesustaining-treatment-polst; blog.lifemattersmedia.org/ 2012/12/polst-illinois-moves-forward/. Please note that the POLST isn’t a substitute for a living will or a power of attorney for health care. You and your attorney ought to continue to use these two forms. Both articulate a patient’s medical wishes (in a manner sufficient for the law) when the patient cannot do so himself. A living will, in essence, specifies that the patient does not want medical treatment started or continued if he/she would die without the intervention of the particular medical treatment.

A power of attorney for health care appoints a person, generally a spouse or adult child, to speak for the patient regarding his/her medical care when the patient has lost the ability to communicate. A living will, POA-H and POLST are different from a do not resuscitate order (DNR). A patient completes his/her own living will and POA-H, sometimes years before the individual becomes ill; but, only a physician, in consultation with the patient and/or family, can order a POLST or DNR. Also, a POLST may cover a substantial period of time, while a DNR should be used only when a person is truly and definitely in the final stages of life. The goal of the POLST program is to improve the quality of end-of-life care. As individuals, we have the legal right to determine what types of medical treatments we will receive, and which we choose to refuse. Inflicting treatment on individuals without their consent is no different than any other type of abuse. RICHARD HABIGER is author of the Illinois edition of “How to Protect Your Family’s Assets from Devastating Nursing Home Costs: Medicaid Secrets” and an elder law attorney who focuses on asset protection, Medicaid and VA benefits. He can be reached at 618-549-4529 or info@habigerelder law.com.

MONEY MATTERS: A financial checklist of what to do when a family member dies FROM PAGE 7 to funeral and burial benefits. In addition, the Veterans Administration offers death pensions, aid and attendance (A&A) and housebound pensions to lower-income widows of deceased wartime veterans and their unmarried children. These pensions are needs-based. To be eligible for the death pension, a widow or child’s “countable” income must fall below a certain yearly limit set by Congress. The A&A and housebound pensions provide some recurring income to pay for licensed home health aide or

homemaker services. It is wise to contact a veterans’ services officer before you file such a pension claim, as he or she can be a big help during the process. You can find a VSO through your state veterans’ affairs department of or through the VFW, Order of the Purple Heart, American Legion or non-profit National Veterans Foundation. A final individual income tax return may be required for the deceased. You or your tax advisor should consult IRS Publication 17 for more detail. Also, search for “Topic 356 Decedents” on the IRS website. Deductible expenses paid

by the deceased before death can generally be claimed as deductions on such a return. If you have been widowed, consider the future. In the coming days or weeks, you should arrange a meeting to review your retirement planning strategy. And, your will, beneficiary designations and estate plan may also need to be updated. But, don’t feel pressured to make lots of life-altering decisions during this emotional period. Most reputable advisors understand the need for time to pass before serious discussions and decisions can be made. The passing of your spouse also may

necessitate a new executor for your own estate. Any durable powers of attorney may also need to be revised. SCOTT MCCLATCHEY is a certified financial planner with Alliance Investment Planning Group, a Carbondale investment firm located at 115 S. Washington St. He can be reached at 618-519-9344 or scott@allianceinvestmentplanning.com. He also provides investment, retirement planning and insurance services to SIU Credit Union members through the SIU Credit Union Investment Services partnership. Securities offered through LPL Financial, member FINRA/SIPC.

Retail sales for Southern Illinois cities City Anna Benton Carbondale Carterville Chester Du Quoin Harrisburg Herrin Jonesboro Marion Metropolis Mount Vernon Murphysboro Nashville Pinckneyville Red Bud Sparta Vienna West City West Frankfort REGION ILLINOIS

YTD Feb 2013

2012

2011

2010

2009

2008

21.1 14.1 110.0 6.9 8.9 19.7 27.3 28.9 11.0 128.8 13.1 92.0 23.6 20.7 6.4 13.3 21.7 6.1 15.4 20.7 $609.7 $27,623.6

114.1 83.2 552.4 38.9 53.2 114.4 205.1 152.5 11.8 620.1 77.8 494.9 127.5 116.3 38.6 78.4 120.2 38.4 87.1 70.8 $3,192.7 $152,406.7

119.1 86.4 593.5 42.0 55.7 113.5 214.0 154.0 11.4 686.9 84.4 533.6 135.2 110.3 42.3 74.7 128.2 40.1 88.3 122.5 $3,436.1 $154,650.6

120.9 69.5 598.0 42.2 55.3 77.1 195.0 153.4 11.8 683.1 82.0 507.0 130.6 96.6 38.5 75.2 128.5 39.9 87.8 112.4 $3,304.8 $147,232.0

114.5 69.4 565.5 39.9 52.9 100.8 191.9 147.2 12.5 676.0 77.1 476.7 129.1 107.9 37.2 70.1 126.4 37.1 91.9 111.4 $3,235.5 $139,593.2

113.3 71.4 587.7 40.1 51.5 91.9 179.3 135.9 12.4 673.4 75.9 482.8 117.1 101.8 39.0 77.7 130.5 40.5 89.6 111.2 $3,223.0 $157,071.1

N I L L I Chicago Fed Midwest % change 08-11 Manufacturing Index

0.7% 16.5% 6.0% 3.2% 3.3% 24.5% 14.4% 12.2% 4.8% 7.9% 2.5% 2.5% 8.9% 14.2% 1.0% 0.9% 7.9% 5.2% 2.8% 36.3% 0.9% 14.2%

Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Washington White Williamson .,REGION ILLINOIS U.S.

2,824 17,237 2,474 4,168 1,727 31,527 19,598 5,226 7,343 9,085 1,788 2,757 14,869 12,953 7,778 8,567 7,196 34,457 191,574 6,531,787 154,512,000

293 2,141 256 369 201 2,378 1,694 598 654 1,062 172 295 1,316 1,301 939 597 577 3,084 17,927 615,673 11,815,000

104 103 102

IPMFG Feb 13 97.1

100 98 94 90 88 86 84

81 80

Unemployment rates for Southern Illinois counties, state and nation Jobless

105

SOURCE: LATEST STATISTICS AVAILABLE FROM THE ILLINOIS DEPARTMENT OF REVENUE. FIGURES ARE IN MILLIONS.

Labor force

The CFMMI is a monthly estimate by major industry of manufacturing output in the Seventh Federal Reserve District states of Illinois, Indiana, Iowa, Michigan and Wisconsin. It is a composite index of 15 manufacturing industries, including auto and steel, that uses electrical power and hours worked data to measure monthly changes in regional activity. It is compared here to the national Industrial Production index for Manufacturing (IPMFG). Base year is 2007. Starting in November 2005, the index excluded the electricity component.

Mar 2013

Feb 2012

Mar 2012

10.4% 12.4% 10.3% 8.9% 11.6% 7.5% 8.6% 11.4% 8.9% 11.7% 9.6% 10.7% 8.9% 10.0% 12.1% 7.0% 8.0% 9.0% 9.4% 9.4% 7.6%

11.5% 14.1% 11.5% 10.1% 13.9% 8.8% 10.2% 12.9% 9.8% 13.6% 11.5% 12.2% 10.5% 11.3% 13.9% 8.3% 9.5% 10.3% 10.9% 10.4% 8.1%

11.5% 11.0% 8.7% 7.8% 10.1% 7.3% 8.7% 9.8% 8.1% 11.2% 8.5% 9.4% 8.7% 8.4% 11.8% 6.7% 7.5% 8.4% 8.6% 9.1% 8.4%

SOURCE: ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY, U.S. DEPARTMENT OF LABOR. FIGURES ARE NOT SEASONALLY ADJUSTED.

Change month

1.1 1.7 1.2 1.2 1.7 1.3 1.6 1.5 0.9 1.9 1.9 1.5 1.6 1.3 1.8 1.3 1.5 1.3 1.5 1.0 0.5

Change year

76 74

CFMMI Feb 13

1.1 72 96.3 1.4 70 68 1.6 1.1 66 1.5 64 J A S O N D J F M A M J J A S O N D J F ’11 ’12 ’13 0.2 0.1 SOURCE: FEDERAL RESERVE BANK OF CHICAGO 1.6 0.8 0.5 1.1 1.3 Mar 13 Mar 12 Change 1.2 1.6 MONTHLY TOTALS 2.1 879 874 0.6% 0.3 YTD TOTALS 0.5 0.6 2,339 2,267 3.2% 0.8 2012 2011 Change 0.3 ANNUAL TOTALS 0.8 10,170 9,682 5.0%

Williamson County Regional Airport passengers

I S I N Consumer credit score

17 104 28 28 13 113 92 47 28 48 8 20 100 75 57 50 50 189 1,067

12 114 24 26 9 122 74 40 29 59 7 9 86 112 41 43 62 187 1,056

693

Region

694

688

State

O R S U of I Flash Index

U. S.

Total cars, trucks sold based on title applications filed. Excludes motorcycles, trailers.

New vehicle sales Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Washington White Williamson REGION

Du Quoin

SOURCE: EXPERIAN

Feb 12

686

Credit scores are numeric reflections of financial behavior and credit worthiness and they are based on information included in a credit report. Ranging from 330 to 830, a higher score means a lower credit risk. Scores are from April 2013.

Feb 13

Change

2011

41.7% 8.8% 16.7% 7.7% 44.4% 7.4% 24.3% 17.5% 3.4% 18.6% 14.3% 122.2% 16.3% 33.0% 39.0% 16.3% 19.4% 1.1% 1.0%

142 1,174 265 279 96 1,482 1,025 392 297 606 96 159 975 1,022 502 583 625 2,060 11,780

2010 126 965 222 236 97 1,320 848 327 269 558 73 129 844 793 486 446 571 1,796 10,097

Change

12.7% 21.7% 19.4% 20.8% 1.0% 12.3% 20.9% 19.9% 10.4% 8.6% 31.5% 23.2% 15.5% 28.9% 3.3% 30.7% 9.5% 14.7% 16.7%

3 51 2 1 2 54 57 17 24 22 5 2 34 18 17 55 10,992

’11

’10

’13

’12

SOURCE: INSTITUTE OF GOVERNMENT AND PUBLIC AFFAIRS, UNIVERSITY OF ILLINOIS

Hotel/motel stats

Consumer Price Index

Total amount of revenue generated in Carbondale by hotels and motels for room rentals only.

The CPI measures average price changes of goods and services over time, with a reference base of 100 in 1982-84.To put into context, a current CPI of 194.5 means a market basket of goods and services that cost $100 in 1982-84 now costs $194.50.

Feb 13 Feb 12 MONTHLY TOTALS

Change

$551,781 18.0%

$452,439

YTD TOTALS $853,361

234

232

$1,000,112

2012 ANNUAL TOTALS

2011

14.7%

Change

230

228

U.S. City Average Mar 13 232.8

226

$7,728,261 <0.01%

224

222

Total units sold, including condominiums

Q1 13 Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Williamson ILLINOIS

Mar 13 104.7

$7,732,810

SOURCE: ILLINOIS SECRETARY OF STATE’S OFFICE. LATEST DATA AVAILABLE.

Home sales

108 107 106 105 104 103 102 101 100 99 98 97 96 95 94 93 92 91 90 89

The Flash Index is an early indicator of the Illinois economy’s expected performance. It is a weighted average of growth rates in corporate earnings, consumer spending and personal income. An index above 100 indicates expected growth; an index below 100 indicates the economy is contracting.

Q1 12 2 67 2 2 3 55 57 10 25 20 1 2 26 34 17 40 9,679

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Change 50.0% 23.9% 0.0% 50.0% 33.3% 1.8% 0.0% 70.0% 4.0% 10.0% 400.0% 0.0% 30.8% 47.1% 0.0% 37.5% 13.6%

2011 16 283 12 6 14 325 258 66 82 86 10 11 117 148 89 539 103,294

2010 19 259 8 8 8 358 264 78 91 116 8 6 131 122 84 590 103,455

Change

15.8% 9.3% 50.0% 25.0% 75.0% 10.2% 2.3% 15.4% 9.9% 25.9% 20.0% 83.3% 10.7% 21.3 % 6.0% 8.6% 0.2%

MEDIAN SALES PRICE Q1 13 Q1 12 $74,500 $51,500 $43,000 $20,000 $117,500 $94,750 $67,500 $79,000 $42,250 $58,000 $55,000 $19,800 $60,500 $41,250 $72,000 $100,000 $135,000

$32,000 $37,000 $79,375 $77,500 $18,000 $90,000 $75,000 $78,500 $55,000 $53,950 $279,000 $19,000 $67,000 $62,000 $68,200 $115,000 $130,250

220

Change

132.8% 39.2% 45.8% 74.2% 552.8% 5.3% 10.0% 0.6% 23.2% 7.5% 80.3% 4.2% 9.7% 33.5% 5.6% 13.0 % 3.6%

218

Midwest Urban Mar 13 222.1

216

214

212 M

J ‘12

F ’13

SOURCE: U.S. DEPARTMENT OF LABOR

Prices at the pump Average price per gallon of regular, unleaded gas as of April 22 and March 21, 2013.

Metro East Springfield Illinois U.S. SOURCE: AAA

Apr 13

Mar 13

Apr 12

$3.71 $3.56 $3.78 $3.52

$3.79 $3.75 $3.89 $3.69

$3.94 $3.87 $4.06 $3.86

SOUTHERN BUSINESS JOURNAL

MAY 2013

Entrepreneur’s Mailbag Honing in on target markets BY CAVANAUGH L. GRAY SBJ CONTRIBUTOR

I think I may have just stumbled upon my million dollar idea. You know the kind of idea that just might put me in the same conversation as the guys who invented the Pet Rock and Sea Gray Monkeys. I won’t disclose all of the interesting details at this time; let’s just say that it involves one of the hottest spending markets today — young adults between the ages of 12 and 18. The days of assuming that customers will beat your door down if you build it are long gone. If you are planning to bring a winning product or service to market, you have to be able to reach the right customers.

Does it have teeth? For the sake of this article, I will largely skip the details of this process where I collaborated with the local Boys and Girls Club to test the merits of my idea, polling 300 students from five randomly drawn focus groups. Students evaluated my idea based on business clarity, whether or not the product meets their needs, if the concept was unique enough to gain their attention, and if the price point was acceptable. On all counts, the students gave my idea the thumbs up. This approach to gathering information

Find more business news at www.sbj.biz. is known as primary research, where data needed to make informed decisions is collected first hand. The sad part is that, for many entrepreneurs, this is where the market research ends when, in fact, this is when it begins. Once you have determined if your idea has a shot at success, it’s time to locate your customers.

Where are they? To minimize risk, I have decided to do a slow rollout of my idea, focusing first on those states in the Midwest. Now that I have selected a regional focus for this new venture, it’s time to pinpoint my efforts and locate potential customers. Demographics are the statistical data of a population showing age, income, education, location, etc. Market research doesn’t necessarily mean committing a lot of financial resources and time toward finding the information you need. At this stage, I am going to use secondary research, which is simply finding and relying on data that already exists. There are tons of free resources available, including the U.S. Census Bureau’s website, where you have access to seemingly unlimited population reports and data queries. I used census data to help determine the following: Midwestern states with the most students under the age of 18 included Illinois (3.1M), Ohio (2.7M), Michigan (2.3M), Indiana (1.6M) and Wisconsin (1.3).

Concerned about covering all five states effectively, I then focused on Midwestern cities with a large concentration of students under the age of 18: Columbus, Ohio (454k); Dayton, Ohio (193k); Des Moines, Iowa (148k); Milwaukee, Wis. (382k); and Akron, Ohio (157k). Lastly, hoping to improve my chances, I expanded my search to those Midwestern cities with greater than 500,000 students under the age of 18. These cities included Chicago (2.37M), Detroit (1.0M), St. Louis (670k), Minneapolis (819k) and Kansas City, Mo. (521k).

Don’t make the same mistake Demographic information helped me narrow my strategy from a global, national, regional and even city-specific approach. However, if I were to end my market research here, it would be a mistake. The reality is that you can have the right product or service and have identified the right market; but, if you don’t understand the psychology behind the purchase, you could be wasting your time. Psychographics is the study and grouping of people according to their attitudes and tastes. Simply put, psychographics is the reasoning behind why people buy what they buy. The following are a few psychographic details for Generation Y that will help me better reach my youthful consumers. Generation Y is a fan of all things trendy, from the latest in fashion to the hottest new music, and willing to pay big bucks to acquire these things.

This generation has grown increasingly disengaged with its current educational system and views education more as a means to expand incomes. Generation Y is attracted to those things that are strongly rooted in social media, entertainment and all things technology. This generation is always on the go and tends to commit to a fast-paced lifestyle. Lastly, Generation Y is more concerned and involved in politics than some previous generations. Market research doesn’t have to be a burden, but it should be timely, accurate and from a reliable source. A pitfall of market research is to simply focus on a populous area and look to play a numbers game. The list of psychographic details for any generation can be pretty extensive. However, by incorporating a few of these details into your existing demographic information, you can get to the real reasons why consumers buy. At this point, the only thing left to do is incorporate this information into your overall marketing plan and advertising strategies. CAVANAUGH L. GRAY (cgray@ecafellc.com) is director of business development for The Entrepreneur Café, LLC (877-511-4820). To read a chapter from his new book, “The Entrepreneurial Spirit Lives: 25 Tales to Help Entrepreneurs Start, Grow, and Succeed in Small Business,” log onto www.ecafellc.com. For more information on how to start, grow and succeed in small business, ‘Like’ on Facebook, ‘Follow’ on Twitter @TheECafe or ‘Connect’ on LinkedIn.

COVER: Starting a business? Do your homework on ownership options FROM PAGE 4 the business since 1979, a co-op has better buying power because the stores can buy more to keep the costs down from products to advertising flyers. True Value even has a distribution center so stores don’t have to order larger quantities at a time. “We can share the cost of marketing or even computer software,” he said. “As

a co-op, we have more flexibly to do things locally.” He likes that freedom. “A true franchise is where the franchise has a lot of control over the franchisee,” he said. “There are a lot of rules. You have a standard product, if you can live up to the franchise’s rules.” A downside may be that you can’t customize your business. “You can’t get a taste of the local

flavor,” he said. Be prepared to work hard if you start your own business from scratch, go with a franchise or co-op. “I’m working more hours than ever and loving it,” said Jefferson. Not having a paycheck every week may also deter potential business owners. “Most people are afraid of not having a paycheck” said Long. “It’s scary. But it

doesn’t mean you aren’t making money.” Former business experience may also help you decide on an independent business, franchise or co-op. “Unless you have some experience, don’t start from scratch,” recommends Jefferson. “The failure rate is high.” DEB SAUERHAGE is a correspondent for the Southern Business Journal.

SOUTHERN BUSINESS JOURNAL

MAY 2013

Achievements

Faces in the news

Payne

Davis

Pickett

Welge

Harvey

Bond

Schaefer

Lynch

Donovan

Dobrinick

Gutierrez

Broeckling

Find more business news at www.sbj.biz.

Faces in the news Have you been promoted? Send a photo. Has a colleague at work completed an intensive continuing education program? Send a photo. Others in the business community will want to know it, so please consider passing on your employment news and photos to the Southern Business Journal. Feel free to email the information to sbj@thesouthern.com.

Bank receives volunteer service award

Davis joins bank’s Murphysboro facility

Gov. Pat Quinn and the Serve Illinois Commission on Volunteerism and Community Service presented Old National Bank’s Southern Illinois region with the governor’s volunteer service award April 18 in Springfield. Old National Bank was one of five businesses presented with the Business Volunteer Engagement Award.

Kyle Davis has joined the staff of MurphyWall State Bank, filling a loan officer position at the Murphysboro facility. Davis brings with him more than three years of banking experience. He has worked in the operations side of the bank, but his main emphasis and time was in the loan and lending area.

Payne attends financial forum

Bond, Dobrinick join Murphy-Wall State Bank

Carl E. Payne, associate vice presidentinvestment officer with Wells Fargo Advisors, LLC, at 1401 Financial Park in Carbondale, recently attended an all-day, by invitation only, financial forum at the Missouri Athletic Club in downtown St. Louis. The forum was sponsored by First Trust in Wheaton. He also recently attended the three-day Retail Retirement 2013 Income Generation Summit in San Francisco. The summit was sponsored by Wells Fargo Advisors, LLC and several insurance and annuity companies. Payne has been a registered advisor for 24 years and is also licensed in life, health, property, casualty and annuities.

Harvey receives gold master recognition Jeremy Harvey, a sales consultant at Ike Honda, recently was honored by American Honda Motor Co., Inc. Harvey achieved gold master level membership in the 2012 Council of Sales Leadership recognition program. Harvey has attained Council of Sales Leadership membership for the fifth time and has earned gold master status for the first time. He was among 480, out of more than 14,000, Honda sales consultants to achieve gold master membership in 2012. In addition, Harvey has served customers at Ike Honda in Marion for the last six years.

Donovan participates in roundtable Shawnna Donovan of Marion recently participated in Illinois Attorney General Lisa Madigan’s roundtable meeting on mortgage and consumer fraud at John A. Logan College. The group consisted of local leaders, community activists and other representatives from the private and public sectors. Donovan, a licensed realtor and broker associate with Coldwell Banker Preferred of Carterville, serves Southern Illinois, specifically Williamson, Jackson, Johnson and Union counties.

Jeff Bond and Charles Dobrinick have joined the staff of Murphy-Wall State Bank. They are both stationed at the bank’s Pinckneyville facility. Bond fills a position in the lending staff, and Dobrinick is bank controller.

Pickett earns placement in diversity program Greensfelder, Hemker & Gale, P.C. officer Christopher A. Pickett has been accepted into the 2013-2014 Leadership Council on Legal Diversity Fellows Program. Pickett’s practice is focused on representing clients ranging from small family-owned businesses to large multinational corporations in complex commercial litigation, securities litigation and arbitration, and employment disputes. His particular areas of expertise are employment disputes, unfair competition and securities litigation.

Baptist Health receives national award Baptist Health Paducah recently received the Get With The Guidelines–Resuscitation Silver Quality Achievement Award, a national award from the American Heart Association and American Stroke Association for reaching an aggressive goal in using guidelines-based care to improve patient outcomes from in-hospital cardiac arrest. The hospital received the Bronze Quality Award three months ago.

Khan named chief medical officer at SCI Dr. Aziz Khan has been named chief of the Division of Hematology/Oncology and chief medical officer at Simmons Cancer Institute at SIU School of Medicine in Springfield. Khan is a professor in the Department of Internal Medicine at the School of Medicine and specializes in gastro-intestinal malignancies, leukemias, lymphomas, blood-

MAY 2013

SOUTHERN BUSINESS JOURNAL

Achievements related disorders, and lung and breast cancer. He has been at Simmons Cancer Institute since 2007.

Schaefer reelected to board of directors Dennis Schaefer, president/CEO of SIU Credit Union, was recently reelected as a member of the Board of Directors of the Illinois Credit Union League. Schaefer has completed three years of service as a member of the board and began an additional three-year term in April as the director at large for District 1, which includes the following credit union chapters: Boyle, Danville Area, Burnett, Egyptian, Greater Decatur, Kelly, Quincy, Sangamon Valley and Southern Illinois.

Z100 sets regional donations record for St. Jude New Country Z100, part of Mississippi River Radio, set a new regional record for donations in its annual Country Cares for St. Jude Kids Radiothon. The radiothon, conducted March 28 and 29, raised $258,047.21 for St. Jude Children’s Research Hospital. Onehundred percent of the proceeds go to the hospital. The donations set a regional record for St. Jude region 13, which covers all of Illinois south of I-80.

Gutierrez promoted to branch manager Ted Gutierrez has been promoted to branch manager at the Marion Heights office of MidCountry Bank at 2611 Blue Heron Drive on The Hill. Gutierrez most recently served as home mortgage banker for MidCountry Bank, serving all eight facilities in Southern Illinois. He brings more than 15 years of leadership to the branch manager position.

Murdale True Value hosts grand re-opening Murdale True Value & Just Ask Rental recently hosted a grand re-opening at the newly renovated store at 1915 W. Main St. in Carbondale. Murdale True Value has four stores within one: a hardware store, an appliance store, a rental store and a lock and locksmith store.

Stewart receives CFP certification

Broeckling promoted to president

Law clerks participate in mock trial

Michael S. Stewart of the financial services firm Edward Jones in Harrisburg has been authorized by the Certified Financial Planner Board of Standards to use the certification mark CFP. Stewart successfully completed CFP Board’s initial certification requirements, which include completion of financial planning coursework and passing a comprehensive examination. Individuals who hold CFP certification must agree to meet ongoing continuing education requirements and uphold CFP Board’s Code of Ethics and Professional Responsibility and Financial Planning Practice Standards.

Thomas A. Broeckling has been promoted from executive vice president and senior lending officer to president of First National Bank of Steeleville. He will continue to serve as senior lending officer. Robert Koopman will continue to serve as CEO of the bank.

Two law clerks from the office of Jackson County State’s Attorney Michael C. Carr competed in the Texas Young Lawyers’ Association Regional Mock Trail Competition Feb. 6 to 8 at Valparaiso School of Law in Indiana. Law clerks Joe Yancey and Patrick Brewster from SIU School of Law served as prosecutors against two students from Chicago Kent’s trial advocacy team in a mock trial that involved the prosecution of a murder case with an insanity defense. The SIU team prevailed over the Chicago Kent team. Brewster and Yancey are scheduled to graduate from SIU School of Law this spring. They plan to practice in Southern Illinois.

Welge inducted into Private Label Hall of Fame Don Welge, president and general Manager of Gilster-Mary Lee Corporation in Chester, recently was inducted into the Private Label Hall of Fame as established by the Private Label Manufacturers Association and Private Label/Store Brands Magazine. Founded in 2006, the Hall of Fame includes more than two dozen leaders within the grocery store brands/private label industry. Welge has served as GilsterMary Lee’s president since 1965.

Lynch appointed to Supreme Court committee Paul R. Lynch of the Mount Vernon office of Craig & Craig, LLC, has been appointed to the Supreme Court Committee on Illinois Evidence. The committee monitors, reviews and studies Illinois cases, and relevant cases from around the country, that impact evidence law generally and the Illinois Rules of Evidence specifically. Lynch has practiced law with Craig & Craig for more than 35 years, first in Mattoon and since 1986 in Mount Vernon.

SIU Credit Union opens Harrisburg branch SIU Credit Union has merged with Southeastern Electric Employees Credit Union and recently opened a branch in the former SEECU facility at 540 N. Commercial St., Suite 700, in Harrisburg. With this merger, the number of SIUCU facilities has increased to six.

Southern Bus & Mobility earns recognition The Braun Corporation, a leading manufacturer of wheelchair accessible vehicles and wheelchair lift systems, recently honored Southern Bus & Mobility with the Customer 1st Award. The award recipients were selected on the basis of customer survey results over the course of 2012.

MAY 2013

SOUTHERN BUSINESS JOURNAL

Achievements Accu-Grow employees receive training Jeff Crowell, Al Lenz and Dakota Roberts, employees of Accu-Grow Lawn and Tree Care in Marion, have successfully completed the 2013 certification for commercial applicator or operator licenses. Training is for the use of insect control for trees, shrubs and ornamental plantings and weed control products. Even though the state doesn’t require annual retraining, Accu-Grow technicians are trained every year to stay current on all products and procedures in the lawn care industry. Accu-Grow has served Southern Illinois residents since 1976 in the areas of lawn care, tree care and landscaping.

Tedrick Insurance Agency recognized Tedrick Insurance Agency of Mount Vernon was named one of the top 10 growth agencies for Auto-Owners Insurance in the state of Illinois for 2012. The agency was recognized recently at a luncheon meeting in Peoria and at a reception with all regional associates, where recipients were presented with a plaque to commemorate their accomplishment. Tedrick Insurance Agency has represented Auto-Owners since 1987.

Lourdes HomeCare and Hospice expands car fleet Lourdes HomeCare and Hospice has expanded its current car fleet from 26 to 50 new Ford Focus cars. There are more than 100 associates serving patients in 13 Kentucky counties and three Illinois counties, driving more than 92,000 miles per month. The cars are used to provide care, pick up patient equipment, and make assessments and admissions.

Local grower is state winner in national contest Scott Miller Farms of Tamms is a state winner in the 2012 National Corn Yield Contest, sponsored annually by the National Corn Growers Association. The local corn grower placed second in the state in the Irrigated Class with a yield of 299.7854 bushels per acre. The hybrid

used in the winning field was Pioneer P2088HR. There were 421 state winners nationwide. The 2012 contest had 8,263 entries from 46 states. Of the state winners, 18 growers — three from each of six classes — were named national winners, representing 13 states.

F.B. McAfoos signs on with Vermeer F.B. McAfoos and Company recently was approved as the authorized Vermeer hay equipment dealer in Benton. According to Todd Foreman of F.B. McAfoos and Company, the decision to add the Vermeer hay equipment to its equipment mix is based primarily on the high level of focus and emphasis Vermeer places on product innovation in the area of hay harvesting and processing. “These folks invented big round baling more than 40 years ago. And, they’re one of the leaders in the hay equipment industry today. Their parts, service and warranty support is exemplary,” Foreman said.

Hospital recognized for stroke care initiative Marshall Browning Hospital in Du Quoin recently was recognized for achievements in an initiative to develop collaborative stroke systems of care in rural areas through the Illinois Critical Access Hospital Network and the American Heart Association/American Stroke Association’s Get With The Guidelines-Stroke program. The hospital has met initial Get With the Guidelines criteria and is now preparing to earn designation as an Emergent Stroke Ready Hospital.

Trails to Adventure tourism office opens The Trails to Adventure Regional Tourism Development Office recently opened at 3000 West DeYoung St., Suite 800B, in Marion. Tibretta Reiman from Pinckneyville is the development director. Twenty-one counties make up the Trails to Adventure region. Reiman will work with the Mount Vernon Convention and Visitors Bureau, Southernmost CVB, Carbondale CVB, Williamson County CVB and Tourism Bureau ILLINOISouth.

Calendar Eaton celebrates 40 years with Country Financial Country Financial representative Steve Eaton of Sparta is celebrating 40 years of serving the needs of clients in the Randolph County area. Eaton has been named an All American eight times. He has completed the course work necessary to earn the Life Underwriter Training Council Fellow designation and also has achieved master status. He serves clients from his office at 1701 N. Market St. in Sparta.

Hospital among nation’s tops for energy efficiency Memorial Hospital of Carbondale has again earned the U.S. Environmental Protection Agency’s Energy Star certification, which signifies that the building performs in the top 25 percent of similar facilities nationwide for energy efficiency and meets strict energy efficiency performance levels set by the EPA. The award was presented for energy performance during 2012. Memorial Hospital of Carbondale has received the Energy Star award 10 times since the infancy of the program and is one of the most recognized hospitals in the country for energy performance.

ONB’s ‘100 Men Who Cook’ raises $1 million Old National Bank’s “100 Men Who Cook,” a unique community fundraising event where local celebrity chefs prepare their favorite recipes for guests to sample, has surpassed $1 million in collective funds raised. The money has benefitted nine community non-profit organizations in five markets, which include Carbondale, Muncie, Ind.,

May 15 Starting a Business in Illinois: 9 to 11 a.m., Carterville Community Center, 120 N. Greenbriar Road. An optional business start-up kit is available for $15. To register, call 618-536-2424, email sbdc@siu.edu or visit www.siusbdc.com.

June 6 Starting a Business in Illinois: 1 to 4 p.m., Room 338, RLC MarketPlace, 327 Potomac Blvd. Ste. A, Mount Vernon. Free. To register, call 618-242-5813 or email lemayn@rlc.edu.

June 12 Starting a Business in Illinois: 1 to 3 p.m., Room 150, Dunn-Richmond Economic Development Center, 1740 Innovation Drive, Carbondale. Free. An optional business start-up kit is available for $15. To register, call 618-536-2424, email sbdc@siu.edu or visit www.siusbdc.com.

Bloomington, Ind., Evansville, Ind., and Terre Haute, Ind. Kiwanis Clubs of Carbondale and Marion, along with Rotary Clubs of Carbondale, Carterville and Marion, are among the organizations that benefit from the fundraiser.

Lourdes receives national recognition from ACS Lourdes has been recognized as the No. 1 Relay For Life team in Kentucky and No. 4 in the world. Out of 182,000 Relay For Life teams and 5,000 Relay For Life events in 22 countries, Lourdes’ Relay For Life team holds the No. 4 fundraising spot for two consecutive years, giving the American Cancer Society more than $452,000 in the last two years.

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MAY 2013

SOUTHERN BUSINESS JOURNAL

Business Fine Print Building permits Carbondale Jose Villanueva, 239 S. Lake Heights Ave., $15,000 Elnora Greer, 519 E. Willow St., $28,000 Thomas Grant, 5370 Springer Ridge Road, $98,000 Taco Bell/Wellington LLC, 1410 E. Main St., $220,000 Dave’s Auto, 300 N. Illinois Ave., $6,500 Boondock’s Seafood Company, 2310 Reed Station Parkway, $10,000 Barefoot Cobler, 217 S. Illinois Ave., $7,200 Auffenberg of Carbondale, 1015 E. Walnut St., $600,000 Juan Xoxotla, 314 E. Birch St., $6,000 George Gibson, 805 N. McKinley St., $10,000 Burke Cawthon, 1540 E. Gary Drive, $35,000 Jay Crippen, 220 Park Lane, $60,000 Sports Blast, 1215 E. Walnut St., $75,000 Lauren Jensen, 404 N. Smith St., $9,000

Marion Dennis Chapman, 916 E. College, $100,000 Larry and Debbie Bearden, 1210 N. Madison, $1,000

Metropolis James Griffey, 813 Filmore St., $3,500 Metropolis Fire Station, 106 W. 5th St., $68,000 James Cromeenes, 29 Marberry Drive, $2,000 J.D. Holley, 711 E. 9th St., $76,000

Murphysboro Josh and Amy Dwight, 2104 Hortense St., $0 Dale Roberts, 623 S. 20th St., $600 Bob and Kay Tyson, 2117 Lindell Ave., $4,000 O’Reilly Automotive Inc., 202 N. Williams, $500,000 K&S Landtrust, 10543 Highway 149, $86,000 Habitat for Humanity, 2006 Commercial Ave., $65,000 Jeffrey Wilson, 2220 McCord St., $6,000 Mariana Flores, 2025 McCord St., $2,000

Bankruptcies Chapter 7 Paulette L. Lamanske, 2520 New Era, Number 64, Murphysboro John W. Liszewski, 19699 Du Bois Blacktop Road, Nashville Shirley J. Mounts, 1001 Catherine St., Metropolis Joseph A. and Lindsey R. Shelton, 305 Dobson St., Carterville Steven R. and Jane A. Hanson, 1021 S. Webster St., Harrisburg Jennifer L. Rivera, 408 N. Eighth St., Mount Vernon Travis J. and Ashley M. Chaffin, 1504 E. Garland St., West Frankfort Darren Edwin and Donna L. Bigham, P.O. Box 88, Olive Branch

Jerrod L. Harpstrite, 1905 Carla Lane, Marion Tina M. Pennington, 1203 Durham Drive, Johnston City Daphne L. Thomason, 412 N. Commercial St., Benton Dathan Smith, P.O. Box 4, Ashley Bruce M. McCaleb, 12628 Saraville Road, Marion Everett R. Henson, 157 Coonhunters Road, Golconda Robert J. Sumner, 115 McCann, Benton David Wayne Summers, 444 N. Walnut, Du Quoin Gerald Leo McGlasson Sr,, 7396 Main St., Mulkeytown John Roy Goodman, 103 E. Hawkins, Pinckneyville Carolyn Sue Goodman, 303 W. Perry, Apt. 105, Pinckneyville Mark A. Singleton, 2016 Commercial Ave., Murphysboro Jack A. and Gina E. Williams, 9303 Sunnybrook Road, Mairon James E. Wright, 406 N. Buchanan St., Benton Barbara A. Jones, 1010 Steven Lane, Murphysboro Kristina Marie Swann, 9724 State Highway 149 West, West Frankfort Marvin J. Beeson, 420 S. Main, Harrisburg Le’Dotta M. Pind, 508 W. Rigdon St., Carbondale Gary F. and Susan D. Schierbaum, 417 Schierbaum Lane, Olmsted Sharon L. Rowley, 404 Green St., Vienna Jack L. Thomas, 603 E. Webster, Benton Randy J. and Sharyn K. Wilkey Jr., 15693 State Route 15, Nashville Sharon K. Humm, R.R. 1 Box 1321, Golconda Cynthia L. Johnson, 18037 Old Frankfort Road, West Frankfort Edward R. and Susan J. Evetts, 4825 Gumsprings Road, Ozark Anna M. Stubblefield, 90 Carlock Road, Murphysboro Jillian Ashleigh Henry, 420 Libengood Road, Mount Vernon Robin W. and Lisa M. Reynolds, P.O. Box 123, Opdyke Cecil L. and Aletha G. Thomas, 1104 Herbert, Mount Vernon Paula M. Osteen, 23107 West End Road, Thompsonville Darin A. Bates, 500 N. Seventh St., Mount Vernon Eleanor Mae Edwards, 1501 N. 13th St., Herrin John D. and Melissa G. Gibson, 105 N. Pine St., Zeigler Matthew A. Norris, 15092 Harmony Church Road, West Frankfort Matthew E. Newhart, 160 Harris Lane, Alto Pass Gabriel S. and Amy D. Nipper, R.R. 2, Box 357 A., McLeansboro Mary M. Lee, 1930 Clarke St., Murphysboro Kathy Joann Harris, P.O. Box 1083, Mount Vernon Teddy E. and Tina M. Leek, 29 Olmsted Road,

Villa Ridge Linda Sue Elliott, 312 Harrison St., Mount Vernon Dalewayne E. and Robin L. Turner, 14962 Cambria Road, De Soto La Toya S. Montoya, P.O. Box 911, Marion Kory Scott Robinson, 416 10th St., Carmi Bobby Gene and Martha Glenda Thompson, 10478 Avery Road, West Frankfort John Kenneth Taylor, 1216 N. Van Buren St., Apt. C, Marion Amy A. Baxter, 1316 W. Maple St., Herrin January C. Green, 314 N. Dean, Royalton Albert Wayne Zerfas, 104 Central St., Cisne Kristi L. Kee, 1107 Brush Ave., Johnston City Tonda D. Valladares, P.O. Box 21, Herrin David Gregory and Judy Kaye Cletcher, 305 N. Main, Zeigler Charles Gibson II and Karen Gibson, 1306 Hemlock Drive, Marion Daniel L. LaFond, 121 Trail of Tears Road, Golconda Kathy M. Wayer, 223 N. Walnut St., Tamaroa Sarah Mooney Hess, 11667 Pennsylvania Road, Marion Kourtnee B. McHughs, P.O. Box 326, Olive Branch James Elmer and Jody Kay Travelstead, 438 County Road 700 North, Norris City Lynn C. Dennis, P.O. Box 27, Hurst John A. and Keshia D. Bowling, 613 N. Madison St., West Frankfort Richard Howard Hay, 9352 First St., Nashville Robert M. McClain, 45 Pecan Court, Mount Vernon James S. Harrell, P.O. Box 503, Norris City

Chapter 13 Carrie M. Fann, 500 Washington, Carterville John D. Dooley, P.O. Box 185, Stonefort John Todd Heath, 2315 Dunston Road, West Frankfort Aaron K. and Reva C. Warnsman, 15 Fairfax Drive, Harrisburg Steven L. and Marilyn K. Freeman, P.O. Box 186, 348 Wetaug Road, Dongola Frederick J. Weber, 1130 McLaughlin Road, Murphysboro Darryl E. and Lisa J. Clarke, P.O. box 155, Coulterville Kevin R. and Jamie C. Cameron, 121 Newman Drive, Herrin Joseph M. and Kimberly D. Smith, 185 Pankey Road, Carrier Mills Jonathan R. Reclusado, 816 W. Robinson St., Harrisburg Rhonda L. Carlson, 506 W. Jefferson, Marion Elnora Horton, 25000 New Hope Road, Tamms Bernard M. Majeski, 23362 Route 45, Ozark Bryan and Stephanie A. Szablewski, 4777 Highway 148, Mulkeytown Lisa G. Duncan, 493 State Highway 146 East, Golconda Mary E. Falletta, 9381 Old Highway 13, Lot 1,

Murphysboro William D. and Lori J. Odum, 1309 E. Reeves, Marion Michael Lee Yates, 9381 Old Highway 13, Lot 1, Murphysboro Thomas J. and Tara N. Gourley, 14784 Blairsville Road, Carterville Gary Wayne Unthank, 720 Karns St., Eldorado James M. and Cynthia A. Webb, 1411 N. Lincoln St., Benton Debbie A. Hall, 602 N. Smith St., Galatia Benjamin M. and Brandi D. Cornell, 10816 Cedar Grove, Marion Robert G. and Billee R. Leithliter Jr., 2309 Saline Ave., Eldorado Marvin S. and Debra A. DeVore, 210 S. Third St., Mound City Jerry L. Pruitt, 2601 Park Ave., Cairo Angela N. Myers, 1011 N. State St., Apt. A, Marion Keith A. and Gayle A. Darter Sr., 1416 W. Maple, Herrin Rusty A. and Sarah E. Thompson, 1201 Adams St., Johnston City Juanita C. Loucks, 206 W. Roe, Pinckneyville Johnny Robert Hatcher Jr. and Mellody Malissa Hatcher, 2006 U.S. Highway 45, Cisne Gerald R. and Kimberly E. Goines, 780 Crescent Loop, Vienna Paul and Kristen L. Howard, 505 S. Duncan, Marion Crystal Basler, 413 E. Douglas, De Soto Charles Edward Williams, 401 W. Broadway, Johnston City Jordan C. Akin, 3610 Second St., Apt. 16, Thompsonville Dale Eugene Millis, 1690 John Rich School Road, Anna Carmen Christine Clark, 1205 N. 13th St., Herrin Sheri Ann Vega, 301 S. Pecan St., Jonesboro Robert B. Etheridge, 11063 Country Club Road, Marion Mark K. and Thresa A. Donahue, 20595 Steetcar Road, Pittsburg Shawna Lee Glass, 305 S. Crestview Lane, Carbondale Steven Thomas Conder, 502 W. Park St., Du Quoin Lawrence E. Gaines, 300 E. South St., Harrisburg Robert A. Pleasant, 1904 Division St., Murphysboro Teresa L. Illum, 2700 Egyptian Hills Drive, Creal Springs Carl R. and Jeannine S. Calhoun, 1753 Graeff Road, Elkville Geri K. Davis, 1203 Grand Ave., Apt. A., Johnston City Mary A. Woods, 221 W. Poplar St., Du Quoin Larry D. Clover Jr., 3505 State Route 3 North, Wolf Lake Larry James Long, 18287 Pittsburg Road, Marion Richard J. Vaughn and Denise M. LaFrey Vaughn, 780 Dunn Lane, Goreville

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