SBJ - June 2013 by The Southern Illinoisan

JUNE 2013

Directory of Advertisers

Inside J U N E

MONEY MATTERS Finding value: Fundamental analysts look beyond the price of a stock and drill deeper into the details to learn the future prospects of a company. It’s something others can learn, too, by paying close attention to a company’s income statement and balance sheet, which contain a wealth of information for investors. It’s useful to look not just at the data itself but at the ratios of certain statistics to measure a company’s financial condition. Page 6

INVESTMENTS No one best strategy: Your retirement plan should be created and periodically revised with an understanding of the unique circumstances of your life and your unique financial objectives. Just as there is no routine retirement, there are no rote financial moves that should be made before or during this phase of life, and no universal truths about the retirement experience. Page 9

20 1 3

1st Bank and Trust of Murphysboro......18

largest city that they are entering “a city so nice they had to name it twice.” It’s hard to argue about it among visitors to New York, N.Y. There is no place like the city that never sleeps, and columnist Cavanaugh Gray recommends preparing for an adventure, enjoying the ride and appreciating the many peoples of the big city. 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. Page 14-16

Casey Communications, Inc ................ 6

John A. Logan College .......................... 5

Pepsi MidAmerica ........................ 16, 18

SIU Credit Union ................................ 13

ON THE COVER ENTREPRENUER’S MAILBAG Experience the Big Apple: Jet pilots sometimes tell visitors to the nation’s

Chef Bill Connors puts a carton of plums in his bag at the Carbondale Farmers Market on Saturday, July 21, 2012. THE SOUTHERN FILE PHOTO.

Southern Illinois Healthcare................ 20

Southern Illinois University.................... 8

Publisher: Bob Williams n 618-351-5038

Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL 62901, or at P.O. Box 2108, 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 n 618-351-5033

Online: JC Dart n 618-529-5454, ext. 5183

State Farm Insurance ........................ 16

Advertising: Mark Dynis n 618-351-5815

Design & Layout: Rhonda May n 618-529-5454, ext. 5118

Find more business news at www.sbj.biz.

JUNE 2013

SOUTHERN BUSINESS JOURNAL

Cover Story Better berries first hint of improved harvest for growing season BY DEB SAUERHAGE SBJ CORRESPONDENT

Experts are anticipating a good year for fruit and field crops in Southern Illinois this summer and fall. Nothing says spring like a juicy strawberry, and the berries have come into season the past two weeks. “Strawberries look to be a strong crop this year,” said Andrew Gunther, specialty crop sales associate for Southern FS in Cobden. “We should have berries into mid June.” According to Gunther, the drought in the fall didn’t hurt the crop because most strawberries are grown on plastic sheeting and irrigated. Some local growers even double crop. After the strawberries are finished, they plant a variety of peppers. Strawberries aren’t the only fruit crop that should be plentiful. Gunther estimates that the dozens of varieties of peaches and apples grown in Southern Illinois are on target for a good yield, despite last fall’s drought. “The peach and apple blossoms set in the fall,” Gunther said. “So you don’t really know until now what will happen because of drought.” The spring weather also helped. “Everything bloomed late when the threat of frost was over,” he said. Those fresh strawberries and other locally grown produce are now available at local farmers’ markets. “The farmers’ markets are in full swing with a full range of produce,” Gunther said. “I encourage you to check them out.” Wayne Sirles, an owner of Rendleman Orchards in Alto Pass, is also optimistic about the upcoming peach and apple crops. “So far, it looks good,” Sirles said. “We should have a pretty good peach crop.” Last year, the peach crop came in early. But, this year, with the late spring and cool weather, the crop is running about a week later. According to Sirles, the first peaches SEE COVER / PAGE 4

THE SOUTHERN FILE PHOTO

Chef Bill Connors (above) puts a carton of plums in his bag at the Carbondale Farmers Market. Fresh strawberries (left) grow at Miller Farms just outside Campbell Hill.

Find more business news at www.sbj.biz.

SOUTHERN BUSINESS JOURNAL

JUNE 2013

Cover Story

THE SOUTHERN FILE PHOTO

Farmer Glenn Twenhafel drives a combine (above) through a field of soybeans as he harvests his crop on Oct. 12 in Jacob. The pickup reel (left) pulls soybean plants into the auger on Twenhafel’s combine.

FROM PAGE 3 that will be ready are the Flamin’ Fury variety. “It’s an early season red peach and is good for eating fresh,” he said. “Red Havens are next, which are good for cooking and eating fresh.” Rendleman Orchards has planted a variety of peaches, including early and late varieties, so the season is spread out.

“We will have peaches until Labor Day,” Sirles said. “We have over a dozen varieties which come in during different time periods.” Sirles said that Rendleman’s apple crop is also coming along nicely. He anticipates the Gala varieties and early Golden Delicious, two of the 12 varieties planted, will be ready by the end of SEE COVER / PAGE 17

SOUTHERN BUSINESS JOURNAL

JUNE 2013

Money Matters Getting acquainted with fundamental analysis BY MICHAEL P. TISON SBJ CONTRIBUTOR

Fundamental analysis looks at data about an individual company and its operations. The efficient market hypothesis that underlies modern portfolio theory states that Tison stock prices automatically reflect all available information about a stock, including its fundamental data. However, fundamental analysts believe they may be able to gain an edge over other investors by sifting through facts and figures to try to assess the company’s

prospects for the future, based on its past and current performance. A company’s income statement and balance sheet contains a wealth of information for investors. To make that data more meaningful, however, it’s useful to look not just at the data itself but at the ratios of certain statistics to others. Ratios provide a quick way to measure a company’s financial condition. They also are used to compare a firm’s performance with others, though what is considered acceptable in one industry may be very different in another. Financial statistics generally fall into two categories related to profitability and liquidity.

Profitability measures

firm’s profitability. These ratios generally compare a company’s returns (earnings) to its sales, assets, equity or share value. Without profits, a firm has difficulty attracting capital and holding on to current investors.

Earnings per share (EPS) This figure represents the number of dollars earned on behalf of each outstanding share of common stock (not the earnings actually distributed to shareholders). It’s considered an important indicator of corporate success and is watched closely by investors. EPS is calculated by dividing the total earnings available for common stockholders by the number of shares of common stock outstanding.

There are many ways to measure a

Price earnings (P/E) ratio The P/E ratio represents the amount investors are willing to pay for each dollar of the firm’s earnings. It indicates the degree of confidence investors have in a firm’s future performance. It is calculated by dividing the market price per share of common stock by the earnings per share. Like EPS, the P/E ratio is very important to potential investors because it’s considered an indicator of how expensive or cheap a stock is. The stocks of faster-growing companies tend to have higher P/E ratios and are often more volatile.

At the new Mascoutah High School in Mascoutah, Ill., Guarantee installed voice/data, cable television (CATV), fiber optic and elaborate production sound systems.

PROVEN HIGH PERFORMANCE IN LOW VOLTAGE SYSTEM DESIGN/INSTALL/MAINTAIN

Net profit margin

Gar y Ju lius at AT 1500 GRAND AVE. IN GRANITE CITY SINCE 1957

618-452-6122

For proficient, efficient turnkey service on audio, data and security infrastructure, businesses across Southern Illinois rely on Guarantee,

w w w. g e c o. c o m

This is the percentage of each sales dollar remaining after all expenses, including interest and taxes, have been deducted. The net profit margin equals net profits after taxes divided by total annual sales.

a full-service electrical contractor known for legendary innovation since 1902.

Return on equity (ROE)

Audiovisual

Card Key Security

Closed Circuit TV

Wired & Wireless Data

Distributed Antenna Systems

Fire Alarm/Mass Alert

Nurse Call

Paging

Remote Station Monitoring

Structured Cabling/Raceways

The ROE measures the return earned on the owners’ investment in the firm. It’s calculated by dividing net profits after taxes by stockholders’ equity.

Dividend yield per share Electrical Construction | Engineering | Communications

This is the stock’s annual dividend per

A company’s income statement and balance sheet contains a wealth of information for investors. share divided by the share price. Assuming the dollar amount of the dividend doesn’t change, the yield goes up when the share price goes down, and vice versa. Therefore, a high yield can mean that the stock is a good source of income, or that the share price is down.

Price/book ratio This compares a stock’s price to its book value per share. Because it suggests what the company would be worth based on the value of its assets, it’s often used as a measure of whether the company is fairly valued relative to its peers.

Liquidity measures The liquidity of a business is measured by its ability to satisfy its short-term obligations as they become due. If a company can’t pay its bills, it’s in trouble.

Current ratio This measures a company’s ability to pay current liabilities. It equals current assets divided by current liabilities. The current ratio should be neither too low (an indication of financial weakness and potential inability to pay bills) nor too high (an indication that the company is not making the best use of its current funds). A current ratio of 2:1 is often cited as acceptable. This means that there are two dollars of current assets for every dollar of current liabilities.

Quick ratio This ratio is also called the acid-test ratio. It equals current assets minus inventory, divided by current liabilities. Sometimes it can take several months for inventory to be sold and converted SEE MONEY MATTERS / PAGE 16

JUNE 2013

SOUTHERN BUSINESS JOURNAL

Elder Law Benefits available for senior veterans BY RICHARD HABIGER SBJ CONTRIBUTOR

Some of us may have forgotten the reason we have a holiday on the last Monday in May. It’s not so we can have a three-day weekend or an excuse to barbeque or shop Habiger for that thing we have been wanting, but waited until we could take advantage of it being on sale during the holiday weekend. It is to honor those who have given their lives to preserve our ability to freely enjoy those activities. Soon after the Civil War ended in 1865, a number of local memorials, including many in the south, were conducted to decorate the graves of the fallen. According to John A. Logan Museum in Murphysboro, the impetus for a local memorial began out of a genuine human need to honor our dead: On April 16, 1866, Civil War veterans sitting on the steps of Crab Orchard Christian Church, just west of Carbondale, waited for their pastor. Glancing toward Hiller Cemetery, they saw the widow and children of a fallen comrade placing flowers on his unmarked grave. After the family departed, the men gathered wild flowers and decorated the graves of the other veterans buried there. They shared their belief with veterans in Carbondale that a larger, more organized event to honor their fallen comrades was needed. Together, they decided to hold a community-wide Memorial Day observance April 29, 1866, at Carbondale Woodlawn Cemetery. (www.loganmuseum.org/memorial-day) Memorial Day was officially proclaimed on May 5, 1868, by Maj. Gen. John A. Logan, commander-in-chief of the Grand Army of the Republic, who lived in Carbondale at the time, to be celebrated on May 30: “Let no neglect, no ravages of time, testify to the present or to the coming generations that we have forgotten as a

people the cost of a free and undivided republic.” General Order No. 11 During this year’s Memorial Day weekend, we hope you gave at least a moment of time to say a short prayer of thanks or reflect on the sacrifices made for you. If you did not, today is not too late. Also, if you have a loved one who is a veteran or know of a veteran, you can say “thank you” by passing along information about the various benefit programs available for veterans and their surviving spouses. The following are just a few of the benefits available:

such as prisoner of war or Purple Heart or low income and low assets. Services are free and medications are $8 per month per medication, regardless of what it is. There are no other out-ofpocket costs. Help can also be provided with disability-required home renovation grants of $2,000 to $6,800, orthotics, prosthetics and, in certain cases, hearing aids.

Other benefits THE SOUTHERN FILE PHOTO

Pension and death pension Commonly called “aid and attendance,” these twin benefits provide cash payments to veterans who served during a period of war or to their single surviving spouses. Pension helps cover the cost of home care, assisted living and nursing home services. Pension is also available to veterans or surviving spouses with very low income, those who do not have long-term care costs. Cash income payments from Pension range from about $700 a month to a little more than $2,000 a month, depending on the type of claim and the medical and care needs involved. Most people don’t even know of the existence of these benefits. VA does not advertise it and, thus, many eligible people never apply.

Veterans independence program The VA and Illinois Department on Aging worked together to establish a Veterans Directed Home and Community Based Services Program called VIP. The goal of the program is to help veterans, including those less than 60 years of age, who are at risk of being placed in nursing homes. Veterans Independence Program will provide financial assistance so the veteran may avoid institutionalization and continue to live in his or her home and community. The financial assistance can range from $1,600 to as much as $3,160, and can be used, for example, to hire a family member or friend to help with personal care or assistance around the

Brig. Gen. John Miller of the Illinois Army National Guard speaks during a Memorial Day ceremony at the Mound City National Cemetery.

home, or just about anything else that can help the veteran stay out of a nursing home. Unfortunately, very few Illinois veterans have heard about VIP.

Compensation and DIC Compensation is available for veterans who have a service-connected disability that happened as a result of active duty or injury from VA health care. Dependent Indemnity Compensation is available to a spouse of a serviceconnected disabled veteran. Most veterans know about these two programs.

Agent Orange compensation Every veteran who was stationed in Vietnam and has developed presumptive health conditions, such as certain forms of cancer, Type 2 diabetes, ischemic heart disease (lack of proper blood flow to the heart) and Parkinson’s disease, can make a claim for disability compensation. Many veterans don’t know of the existence of Agent Orange claims or the fact that they might be eligible for service-connected disability.

Health care benefits Not all veterans can receive care in the system. Eligibility requires either a service-connected disability, receipt of pension, special service recognition

Money also is available for burial costs for veterans who were service disabled, receiving Pension or died under VA care. If the death was a result of serviceconnected disability, $2,000 is available. If the death was non-service related, and the veteran was receiving Pension or compensation or entitled to either of these, up to $700 is available for plot allowance and burial and funeral expenses. All veterans also receive free burial in state and federal VA cemeteries. Under certain conditions, spouses and other family members can receive free burial in state and federal VA cemeteries. All veterans are eligible for a grave marker (or equivalent monetary allowance), a flag for the graveside honor guard and a letter from the president of the United States.

Benefits for Illinois veterans In addition, the state of Illinois provides a number of different benefits to eligible veterans and their dependents, ranging from license plates to veterans nursing homes. For more information on benefits for Illinois veterans, call 800-336-4529 or go to http://wwwmilitary.com/benefits/ veteran-state-benefits/Illinois-stateveterans-benefits.html; http://www2.illinois.gov/veterans/ Pages/default.aspx. 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 may be contacted at 618-549-4529 or info@HabigerElderLaw.com.

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For information or a tour, call 618-536-2424 or email incubate@biz.siu.edu

The Illinois Small Business Development Center/International Trade Center is funded in part through a cooperative agreement with the U.S. Small Business Administration and the Illinois Department of Commerce and Economic Opportunity and hosted by Southern Illinois University Carbondale.

JUNE 2013

SOUTHERN BUSINESS JOURNAL

Investments Reassessing retirement assumptions: There are no rote financial moves BY SCOTT MCCLATCHEY

Find more business news at www.sbj.biz.

SBJ CONTRIBUTOR

There is no typical retirement. Many baby boomers want one and believe they will have one, and their futures may indeed unfold as planned. For others, the story will be different. McClatchey Just as there is no routine retirement, there are no rote financial moves that should be made before or during this phase of life, and no universal truths about the retirement experience. Here are some commonly held assumptions — suppositions that may or may not prove true for you, depending on your financial and lifestyle circumstances. l You should take Social Security as late as possible. Generally speaking, this is a smart move. If you were born in the years from 1943 to 1954, your monthly benefit will be 25 percent smaller if you claim Social Security at 62 instead of your full retirement age of 66. If you wait until 70 to take Social Security, your monthly benefit will be 32 percent larger than if you had taken it at 66. So, why would anyone in the early 60s apply for Social Security benefits? The fact is, some seniors really need the income now. Some have health issues or the prospect of hereditary diseases influencing their choice. Single retirees don’t have a second, spousal income to count on, and that is another factor in the decision. For most people, waiting longer implies a larger lifetime payout from America’s retirement trust. Not everyone can bank on longevity or relative affluence, however. l You’ll probably live 15 to 20 years after you retire. You may live much longer, especially if you are a woman. According to the Census Bureau, the population of Americans 100 or older

ART SERVICES

Just as there is no routine retirement, there are no rote financial moves that should be made before or during this phase of life, and no universal truths about the retirement experience.

grew 65.8 percent between 1980 and 2010, and 82.8 percent of centenarians were women in 2010. The real eyeopener is that in 2010, slightly more than a third of America’s centenarians lived alone in their own homes. Had their retirement expenses lessened with time? Doubtful, to say the least. l You should step back from growth investing as you get older. As many

investors age, they shift portfolio assets into investment vehicles that offer less risk than stocks and stock funds. This is a well-regarded, long-established tenet of asset allocation. Does it apply for everyone? No. Some retirees may need to invest for growth well into their 60s or 70s because their retirement savings are meager. There are retirement planners who actually favor aggressive growth investing for life, arguing that the rewards outweigh the risks at any age. l The way most people invest is the way you should invest. Again, just as there is no typical retirement, there is no typical asset allocation strategy or investment that works for everyone. Your time horizon, your risk tolerance and your current retirement nest egg represent just three of the variables to consider when you evaluate whether you should or should not enter into a particular investment. l Going Roth is a no-brainer. Not necessarily. If you are mulling a Roth IRA or Roth 401(k) conversion, the big question is whether the tax savings in the end will be worth the tax you will pay on the conversion today. The younger you are, roughly speaking, the greater the possibility the answer will be “yes,” as your highest-earning years are likely in the future. If you are older and at or near your peak earning potential, the conversion may not be worth it at all. l A lump sum payout represents a good deal. Some corporations are offering current and/or former workers a choice of receiving pension plan assets in a lump sum payout instead of periodic payments. They aren’t doing this out of generosity; they are doing it because actuaries have advised them to lessen their retirement obligations to loyal employees. For many pension plan participants, electing not to take the lump sum and sticking with the lifelong

periodic payments may make more sense in the long run. The question is, can the retiree invest the lump sum in such a way that might produce more money over the long run, or not? The lump sum payout does offer liquidity and flexibility that the periodic payments don’t, but there are few things as economically reassuring as predictable, recurring retirement income. Longevity is another factor in this decision. l Living it up in your 60s won’t hurt you in your 80s. Some couples withdraw much more than they should from their savings in the early years of retirement. After a few years, they notice a drawdown happening; their portfolio isn’t returning enough to replenish their retirement nest egg, and so the fear of outliving their money grows. This is a good argument for living beneath your means, while still carefully planning and budgeting some epic adventures along the way. Your retirement plan should be created and periodically revised with an understanding of the unique circumstances of your life and your unique financial objectives. There is no such thing as generic retirement planning, and that is because none of us will have generic retirements. *Traditional IRA account owners should consider the tax ramifications, age and income restrictions to executing a conversion from a traditional IRA to a Roth IRA. The converted amount is generally subject to income taxation. 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 March 2013

2012

2011

2010

2009

2008

30.7 21.2 156.0 9.9 11.0 30.7 34.4 41.9 11.9 184.8 19.6 131.2 33.6 35.8 9.5 19.7 31.6 9.9 22.5 31.2 $876.7 $39,765.8

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

p p q q p p p p q q p p p p q p q q q q p q

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%

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. 105 104 103 102

IPMFG Apr 13 96.6

100 98 94 90 88 86 84 82

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

81 80

Unemployment rates for Southern Illinois counties, state and nation Labor force Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Washington White Williamson .,REGION ILLINOIS U.S.

2,822 17,114 2,483 4,127 1,707 31,640 19,487 5,183 7,228 8,864 1,768 2,652 14,696 12,931 7,727 8,599 7,200 34,416 190,664 6,511,500 154,739,000

Jobless 249 1,743 217 288 160 1,935 1,397 465 472 861 142 235 1,028 1,102 748 487 470 2,484 14,483 566,731 11,014,000

Apr 2013

Mar 2012

Apr 2012

8.8% 10.2% 8.7% 7.0% 9.4% 6.1% 7.2% 9.0% 6.5% 9.7% 8.0% 8.9% 7.0% 8.5% 9.7% 5.7% 6.5% 7.2% 7.6% 8.7% 7.1%

10.5% 12.4% 10.3% 8.8% 11.7% 7.6% 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%

10.4% 9.6% 7.6% 6.8% 8.8% 6.4% 7.8% 8.5% 7.4% 9.6% 7.8% 9.3% 7.7% 7.8% 10.1% 6.4% 6.7% 7.5% 8.1% 8.6% 7.7%

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

Change month q q q q q q q q q q q q q q q q q q q q q

1.7 2.2 1.6 1.8 2.3 1.5 1.4 2.4 2.4 2.0 1.6 1.8 1.9 1.5 2.4 1.3 1.5 1.8 1.8 0.7 0.5

Change year q p p p p q q p q p p q q p q q q q q p q

76 74

CFMMI Apr 13

1.6 72 95.9 0.6 70 68 1.1 0.2 66 0.6 64 S O N D J F M A M J J A S O N D J F M A ’11 ’12 ’13 0.3 0.6 SOURCE: FEDERAL RESERVE BANK OF CHICAGO 0.5 0.9 0.1 0.2 0.4 Apr 13 Apr 12 Change 0.7 0.7 MONTHLY TOTALS 0.4 815 756 p 7.8% 0.7 YTD TOTALS 0.2 0.3 3,154 3,023 p 4.3% 0.5 2012 2011 Change 0.1 ANNUAL TOTALS 0.6 10,170 9,682 p 5.0%

Williamson County Regional Airport passengers

I S I N Consumer credit score

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 May 2013. SOURCE: EXPERIAN

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

Mar 12

15 107 21 31 4 131 93 35 37 70 8 17 90 89 48 54 73 187 1,110

10 108 26 25 7 140 80 32 14 45 7 6 108 120 47 38 46 193 1,052

686

693

Marion

Region

694

688

State

U. S.

O R S U of I Flash Index

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

New vehicle sales Mar 13

p q q p q q p p p p p p q q p p p q p

Change

2011

50.0% 0.9% 19.2% 24.0% 42.9% 6.4% 16.3% 9.4% 164.3% 55.6% 14.3% 183.3% 16.7% 25.8% 2.1% 42.1% 58.7% 3.1% 5.5%

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

p p p p q p p p p p p p p p p p p p p

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

' 10

' 11

' 12

' 13

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.

Mar 13 Mar 12 MONTHLY TOTALS

$646,705 q

$569,269

YTD TOTALS $1,486,953

Change

$1,655,508 q

2012 ANNUAL TOTALS

2011

12.0%

234

232

10.2%

Change

$7,728,261 q <0.01%

230

228

U.S. City Average Apr 13 232.5

226

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

Apr 13 105.8

$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 O

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

p q

q q q

p q p p p q p p

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

q p p q p q q q q q q p q p p q q

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

p p q q p p q p q p q p q q p q p

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 Apr 13 221.9

216

214

212 A

J ‘12

F M ’13

SOURCE: U.S. DEPARTMENT OF LABOR

Prices at the pump Average price per gallon of regular, unleaded gas as of May 28 and April 22, 2013.

Metro East Springfield Illinois U.S. SOURCE: AAA

May 13

Apr 13

$3.79 $3.87 $4.00 $3.63

$3.71 $3.56 $3.78 $3.52

May 12 $3.68 $3.52 $3.84 $3.64

SOUTHERN BUSINESS JOURNAL

JUNE 2013

Entrepreneur’s Mailbag Contemplating life and business in a New York minute BY CAVANAUGH L. GRAY SBJ CONTRIBUTOR

This morning, I expected to be awakened by the symphony of jackhammers and construction workers screaming things that would make a sailor look like a nursery Gray school teacher. Imagine my surprise when I was awakened by the rumbling coming from, of all places, my stomach. So, what’s a guy to do when he’s starving at 5 a.m. in the city that never sleeps? I grabbed a magazine and began trolling for food and ultimately stumbled upon a little storefront café, where I found the best breakfast I have ever eaten out of a Styrofoam container. As I gratefully ate my food and watched the city come to life, I took the opportunity to reflect on the sights, sounds, people and what I learned from my most recent trip to New York City.

Life is an adventure The easy part of traveling is booking a flight, hotel or car; however, navigating public transportation in a city as large as New York City can be intimidating. The easiest thing to have done would have been to secure a shuttle or taxi in order to get to my destination with the least amount of hassle, but that’s not my style. Instead, I grabbed my luggage and what seemed to be the world’s biggest public transportation map, which seemed to scream, “I am not from here. Please take advantage of me.” I kindly asked to be pointed in the right direction, and away I went successfully navigating the bus and subway until I reached my hotel. In both life and business, it’s easy to get too comfortable or begin to start playing everything safe. There are times when decisions need to be made and you have to throw caution to the wind and just go with it, knowing that everything

is going to be alright, because life is an adventure.

Enjoy the ride Years ago, Nissan Motors had a great ad campaign which centered on this mystical guy and his dog. At the end of each commercial, he implored the viewers to simply “enjoy the ride.” For some reason, that tagline came to mind when I set out to attend a business event and needed to catch a cab to get to where I was going. After being passed by what felt like dozens of cabs, I finally grabbed one and was on my way. Factor in the sheer number of pedestrians, the cabs bumper to bumper, and it doesn’t take long before you begin to hear the humming of irate cabbies. But, not my cab driver. He remained cool, calm and collected. So, I finally asked him, “How do you do it every day, and does it ever get old?” His response, “What are you going to do about it? I simply tune into my music, and, when days get really rough, I put on classical music. You’ve got to learn to go with the flow.” In life and in business, there are things that we have control over and then there are things like New York City traffic that you have no control over whatsoever. At times, the best that we could possibly hope to do, when difficult situations arise, is to sit back and enjoy the ride.

You’ve got to love people The cultural diversity of New York is unlike anything that you have ever seen, and I absolutely love it. Regardless of what you think about New York, I don’t truly believe that you can live here unless, deep down, you enjoy living, working and playing with so many wonderfully diverse individuals. If I had to pick one thing that has been primarily responsible for any small success that I have had over the years, I would have to say that it has been the relationships I have established and a desire to build bridges with individuals

‘Son, in life there are things that you are not always going to like, that you may not always want to do, but at least at the end of it you will have the experience.’ MITCHELL GADDIS GRAY’S GRANDFATHER

whose lives look totally different from my own. I admit that, at times, I am still a little shocked when I encounter those who refuse to let themselves find commonalities with their fellow man because of where they are from geographically, their general background, or even their ethnicity. It’s a pity because if you can’t connect with people who are not like you, you could not only be short-changing yourself personally, but also limiting opportunities for your business.

Don’t limit yourself Not sure where I first heard this quote, but there is something about it that resonates with me. “Grant me the understanding that someone else’s limitations of me don’t have to be my own.” After a week of being under the weather, behind on work, the thought of leaving at 3:30 a.m. in the morning to navigate airport security and maneuver a city the size of New York was the last thing that I wanted to do. However, I knew that if I didn’t make an attempt to go that I would, in some small way, be limiting myself. When was the last time that you stretched yourself both personally and professionally? Have you gotten so comfortable that the thought of doing something out of the norm makes you cringe? I am always on the lookout for those seasons of life when I find myself getting too comfortable or possibly limiting myself. I often wonder how many individuals,

who are destined to do great things, find ways to self police or limit themselves before they get a chance to truly soar. Years ago, my grandfather, Mitchell Gaddis, gave me advice that I have tried to live my life by. At 13, I grumbled for weeks leading up to a junior high dance arranged by my mom and her friend for her daughter. My grandfather watched me complain, and, just as I was set to leave for the dance, he pulled me aside and said, “Son, in life there are things that you are not always going to like, that you may not always want to do, but at least at the end of it you will have the experience.” Sitting in New York’s LaGuardia Airport, waiting to board my flight back to Chicago, it dawns on me that this article was never intended to be what it is. My experiences over the course of the week helped me reevaluate whether I was still seeing life as an adventure, simply enjoying the gift of each day or existing, and still genuinely showing love for my fellow man, or was I limiting myself? Some of the answers are an easy yes, while others may require a bit more thought. Each month, I enjoy sharing insight on all things small business in hopes that it will help others get closer to living their own dreams. It is one of my true passions. As the title suggests, this article was about finding that delicate balance between your personal and professional life. The questions I will leave you with are how much of this article has anything to do with business and how much of it is really all about life? 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.

SOUTHERN BUSINESS JOURNAL

JUNE 2013

Achievements

Faces in the news

Wallace

Tanner

W. Richelman

Pierce

Priebe

Schrock

Two retire from First State Bank

Pierce named program director

Phyllis Wallace and William A. Richelman have both retired from First State Bank of Campbell Hill. Wallace retired March 29 as vice president of loans. Upon her retirement, Gary Buch was promoted to that position. Wallace was in banking for 46 years and joined First State Bank in 2007. Richelman retired from First State Bank of Campbell Hill Board of Directors after 42 years of service. Buch was appointed to fill Richelman’s term. At the annual shareholders meeting, Buch was elected to a one-year term with the following incumbent members: Gary Miller, Greg Richelman, Gary Misselhorn, Jerry Ohlau and Sidney Rathert.

CARBONDALE — Jennifer Pierce, a graduate of SIU, has been named program director of Lourdes Wound Care Center and Hyperbaric Medicine in Paducah. Pierce comes to Lourdes with 19 years of management experience.

Hospital hosts open house for MRI Union County Hospital in Anna hosted a community open house May 13 in the main lobby of the hospital to allow the public to view the hospital’s new MRI unit. The new imaging unit will offer better quality pictures and increased patient comfort.

Spiller

Richey

Bennett

Gill

Roberts

G. Richelman

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.

McGrath qualifies to attend conference Mike McGrath, an Edward Jones financial advisor in Anna, qualified for the firm’s 2013 Financial Advisor Leaders Conference. This conference recognizes advisors who are among the leaders in the financial services firm. McGrath was one of only 793 financial advisors who qualified out of the firm’s nearly 12,000 financial advisors. The 2013 conference was in May at the firm’s headquarters in St. Louis.

Priebe, Tanner named to board Stephen Priebe and Tyson Tanner have been named to the board of directors of First National Bank in Pinckneyville. Herb Chapman also was appointed chairman. Priebe has been a physician’s assistant at Pinckneyville Community Hospital’s Family Medical Center the last 13 years. Tanner became a partner of the Pinckneyville law firm Seibert, Bigham and Tanner in 2007. Chapman has served on the board for 44 years. He replaces Dr. Clarence Cawvey, who recently died.

SIU professor emeritus authors book Albert Melone of Shiloh, professor emeritus in political science at SIU, and Marc Pufong, professor of political science at Valdosta State University, are authors of the fourth edition of “Researching Constitutional Law,” which was recently released by Kendall Hunt Publishing. This text is designed for all law-related courses, such as administrative law, business law, criminal justice, law and society, legal studies and paralegal studies.

Powless appointed to U of I advisory board David G. Powless, a tax manager for Kemper CPA Group in Marion, has been appointed to the University of Illinois Alumni Association Campus Alumni Advisory Board for a two-year term beginning July 1. Powless previously served the Alumni Association as president of the Southern Illinois Illini Club, board member of the CU Alumni Council and board member of the Alumni Association.

SIU Medical School publishes magazine The 20th annual edition of SCOPE literary magazine has been published by SIU School of Medicine. Produced each year by SIU medical students, this edition of SCOPE contains 30 short stories, poems, paintings and photographs submitted by students, faculty, staff, alumni and friends of the school. First-place poetry winner was Dr. Michael Pranzatelli, SIU professor of neurology, for “Catching Up on Zs.” He also won third place in visual arts for his painting, “The Storm Approaching.” Breck Jones, second-year medical student from Equality, serves as editor-in-chief of SCOPE.

JUNE 2013

SOUTHERN BUSINESS JOURNAL

Achievements Schrock selected for leadership class

Leadership roles filled at SIU School of Medicine

Bennett named general manager of SIEC

Bonnie Schrock, vice president and chief administrative officer at Baptist Health Paducah, is one of 59 Kentucky leaders selected for the 2013 class of Leadership Kentucky. Leadership Kentucky, created in 1984 as a non-profit educational organization, brings together Kentuckians with leadership abilities, career accomplishments and volunteer activities to gain insight into complex issues facing the state.

Wendy Cox-Largent and Dr. Jerry E. Kruse have each filled leadership roles with SIU School of Medicine. Cox-Largent has been named associate provost for finance and administration at SIU School of Medicine, and she will serve as the school’s chief operating officer. The former associate provost, Pam Speer, will remain with the school through June 30 to assist in the transition. After that, she will serve as a part-time senior advisor on special initiatives for SIU HealthCare. Kruse has been named executive associate dean and chief executive officer of SIU HealthCare of SIU School of Medicine. He will be the authority for all clinical and clinically related academic issues and planning.

Chris L. Bennett has been named Southern Illinois Electric Cooperative’s next executive vice president/general manager. He will assume the responsibilities of this position effective July 12. Bennett has worked in the electric cooperative business since 1975 and specifically with SIEC since 1992 as director of administration and finance. He succeeds Larry Lovell, who has served as SIEC’s executive vice president/general manager since 1990.

Spiller joins Southern Illinois Dermatology Natalie Spiller recently joined Southern Illinois Dermatology and has begun practicing at the new Sparta office. Founded in 1996 by Dr. Ted G. Van Acker, Southern Illinois Dermatology offers comprehensive dermatological services, as well as cosmetic services, at 13 locations: Sparta, Anna, Herrin, Murphysboro, Harrisburg, West Frankfort, Du Quoin, Centralia, Salem, Chester, Vandalia, McLeansboro and Flora.

Ameren earns spot on ‘Top 50’ list Ameren Corporation has been recognized as a “Top 50 Employer” by Woman Engineer Magazine for providing a positive working environment for women engineers. Ameren, ranked No. 30 by the magazine, joins several prominent multi-national companies, including Google, General Motors and Microsoft, on the annual list.

Two honored for sales achievement Peggy R. Richey of Pittsburg and Larry D. Roberts of Marion, both representatives of Modern Woodmen of America, have been named to Modern Woodmen’s President’s Club. This distinction recognizes their high achievement in life insurance sales among the organization’s representatives nationwide.

Locally Important Produce Store opens Locally Important Produce Store recently opened in downtown Carbondale at 201 W. Walnut St., across from Carbondale Civic Center. All local products are organic, grown chemical-free with no pesticides or herbicides. Some imported goods are being stocked to suit shoppers’ needs as crops in the area continue to grow. The store is operated by local farmer Orlan Mays. Hours of operation are 9 a.m. to 7 p.m. Tuesday through Sunday. For more information, call 618-351-1912.

Baptist Health recognized for orthopedic care WomenCertified has recognized Baptist Health Paducah as being in the nation’s top 10 percent for orthopedic care. For comprehensive orthopedic services with good outcomes, including arthroscopy, joint replacement, spine surgery, MRI and physical therapy, just 363 hospitals out of 4,600 earned the Women’s Choice Award for “Best Hospitals for Patient Experience in Orthopedics.”

Gill elected to Board of Governors of ISBA Carey C. Gill, an associate attorney with the Carbondale law firm of Barrett, Twomey, Broom, Hughes & Hoke, LLP, has been elected to the Board of Governors of the Illinois State Bar Association. Gill, who concentrates in estate planning, probate litigation, eminent domain, civil litigation and federal tax, is a member of the ISBA’s Assembly and its Finance Committee, and the ISBA Standing Committee on Continuing Legal Education.

RSP receives Quest for Excellence Award Trane Residential Systems recognized RSP Heating & Cooling May 14 with the Quest for Excellence Award for the year 2012. Through a customer satisfaction survey, customers rate the Trane dealer on quality of installation and service. To receive this honor, heating and cooling companies must meet stringent criteria determined by the customer — not Trane. RSP’s general office and showroom is located at 6951 E. Grand Road in Carterville.

Founded in 1927, Bracy Insurance is located in Herrin. Deborra Bracy is agency owner.

Microsoft honors CDS Office Technologies CDS Office Technologies has achieved a gold OEM competency and silver Mid-Market Solution Provider/Small Business Specialist, Devices and Deployment, Hosting, Identity and Access and Server Platform competencies in the Microsoft Partner Network. CDS Office Technologies is a locally owned value-added reseller serving Illinois and Missouri for more that 40 years.

Woodard Wellness moves to new site Woodard Wellness Group has moved to 1245 E. Walnut St., behind University Mall. The business will continue to offer chiropractic care, sports medicine and rehabilitation, as well as therapeutic massage. For more information, call 618-529-4545.

Richelman promoted to bank president Greg Richelman has been promoted to president of First State Bank of Campbell Hill. Richelman has been with First State Bank for more than 22 years. He started as a part-time teller while in high school. Richelman joined the bank full time in 1991 as a loan officer. He then became vice president and executive vice president before being named president this year. He has served on the board of directors since 2006.

Faces in the news Bracy Insurance to offer West Bend products Bracy Insurance Agency has partnered with West Bend Mutual Insurance Company to offer property casualty insurance products, including a broad home and auto package policy, a full range of commercial products and services, and insurance for specialty lines.

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.

NOT EVERYONE HAS ONE. NOT EVERYONE NEEDS ONE. But if you need one, we’re the bank in the area with a fully staffed Trust Department. Our name says it all...First Bank and Trust. Our Trust Department professionals will answer your questions about trusts, including land trusts and other Issues such as wills, executors and gifts, in a quiet, digni•ed conference room. There is no obligation but there probably will be a sense of relief and con•dence after we talk. We’re here to help. That’s what you call “trust”. Call for an appointment.

FIRST BANK AND TRUST OF MURPHYSBORO Murphysboro

Carbondale

1403 Walnut

2471 West Main, West Park Plaza

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SOUTHERN BUSINESS JOURNAL

Business Fine Print Bankruptcies Chapter 7 Brian D. Evans, 230 Colfax St., Tunnel Hill Randy R. Swanson, 705 N. 12th St., Mount Vernon Charles A. Richardson, 4241 Sielbeck Road, Metropolis Har vey I. Loven Jr., P.O. Box 806, Metropolis Kody R. Lyons, 537 Joppa Road, Metropolis Tammy L. Vaughn, 404 S. 20th St., Mount Vernon Jeffery A. Banes and Denise L. Banes, 12974 N. Two Mile Creek, Mount Vernon Deanna J. Scott, P.O. Box 359, Carterville Melissa Anne Derringer, 105 Pepper Drive, Coulterville Danny R. Martin and Julye E. Martin, 95 Shadow Valley Lane, Buncombe David A. Forthman nad Susan L. Forthman, P.O. Box 100, Brookport Maria Ninette Delaney, 215 Casey Ave., Mount Vernon Cedric Alan McDonnough and Jacqualine Sue McDonnough, 201 S. Brown Ave., Percy Ronald E. Draper and Jan Draper, 1519 Pine St., Murphysboro Steven G. Sanders and Karen V. Sanders, 113 Walnut St., Zeigler Bryan M. McGee, 2204 E. Elm St., West Frankfort Michael A. Green, 15644 N. Sunfish Lane, Woodlawn Larry W. Massey and Roberta A. Massey, 818 High St., Eldorado Karen L. Arbour, 3682 Kendale Acres Road, Tamaroa Kim D. Brandt, 1412 W. Stotlar St., Herrin Daniel D. Dale, 1707½ N. State St., Marion Jeffrey S. Bauman, 2805 college St., Mount Vernon Rober t E. Orr, 1009 W. Vine St., Apt. A, Vienna Br yan W. Turner and Margeret C. Turner, 24563 Greg Hollow Road, Thebes Billy I. Unthank, 1800 Glenwood Ave., Eldorado Sherry Lynn Trovillion, 2571 S. Illinois Ave., Lot 114, Carbondale, and Brandon H. Trovillion, 410 N. University, Carbondale Alisha Brooke Rider, 14355 Wilburn Road, West Frankfort Daniel J. Kinsey and Jordan L. Kinsey, 1800 State St., Eldorado Robert E. Jent and Donnetta L. Jent, 14552 Number 9 Blacktop, West Frankfort Amy M. Stefanelli, P.O. Box 21, De Soto James Aaron Sexton and Melinda Jean Sexton, 203 ½ NW. Four th St., Fairfield

Dean E. Taborn Sr. and Debra J. Taborn, 590 Deer Ridge Road, Goreville Mary Ann Melby, 321 W. Elm St., Apt. 7, Okawville Don H. Johnson and Stephanie J. Johnson, 201 W. Summit St., Fairfield Charles W. Clark, 120 Buck Lane, Olmsted Betty A. Moore, 413 S. 22nd St., Herrin Terry L. Pedigo and Patricia A. Pedigo, 602 E. Main St., Christopher Joshua T. Gossett, 16518 Old Towne Drive, Sesser LaDonna Jean Bachmann, 458 E. Industrial Park Road, Murphysboro Paul W. Bean, 301 N. 14th St. No. 207, Herrin William R. Baker, 1134 W. Webster St., Benton Christina Dunning, 1105 W. Monroe St., Herrin Jacob E. Fraedrich, 112 W. Poplar St., Cobden Tammy S. Bailey, 1890 County Road 605 North, Fairfield Joseph H. Lyerla, 1580 Morgan School Road, Jonesboro Edward R. Gordon Sr. and Gladys M. Gordon, P.O. Box 55, Sparta Thomas Wayne Spraggs, 7175 Buncombe Road, Buncombe Kimberly Collins, 321 Fairway Vista, Murphysboro James T. Dodson and Jane M. Dodson, 15755 Nixon Road, Nashville Royce E. Heinze, 2121 Teske Road, Marion Sean D. Jones, 1229 Sanpat Lane, Apt. A, Carbondale William P. Fix, 907 W. Pecan St., Carbondale Adriel Nathan Wright, 2515 Herber t St., Mount Vernon Janice M. Summers, 2604 N. Park, Herrin Samuel Nathan Reynolds, 1607 W. Copeland St., Marion Jasmine C. Alexander, 12641 Willow Pond Lane, Johnston City Donald R. Henson, P.O. Box 52, Brookport Charles W. Saunders and Michele C. Saunders, P.O. Box 143, Johnston City Julianne M. Halverson, 191 Aspen Drive, Mount Vernon Jane E. Morgan, 12415 Sterling St., Benton Robert E. Carroll and Janice L. Carroll, 1516 Casey Ave., Mount Vernon Christina Alvey, 16178 Highway 3, Ava Kenneth Leonard Dixon Sr. and Carrie Jo Dixon, 2830 Kimber Road, Dongola Donald Ellis Oxford and Debra Lynn Oxford, 313 N. Vine St., Du Quoin Montrail Elijah Dwayne Moultrie, 307 Birchlane, Carbondale Kevin Lynn McDermott, P.O. Box 131, Pinckneyville Tonya Ann Caplinger, 8631 Hickory Ridge

Find more business news at www.sbj.biz. Road, Murphysboro Roy B. Baird Sr. and Tina M. Baird, P.O. Box 434, 204 S. Second St., Elkville Paige Ellen Leonard, 16653 Pittsburg Road, Pittsburg Cooper J. Ward and Tami L. Ward, 521 N. 13th St., Herrin Melissa K. Meyers, 307 S. Du Quoin St., Benton Kevin L. Anderson and Robin K. Anderson, 922 N. Pear St., Mount Carmel Emilia Y. Hafer tepe, 1190 Skyline Drive, Cobden Curtiss J. Boyd and Farrah L. Boyd, 777 U.S. Highway 54, Norris City Leonard P. Lucas and Sheila A. Lucas, 401 N. Poplar St., Carbondale Tammy M. Warren, 500 N. Highland Ave., Fairfield Billy W. Ellor, P.O. Box 14, Dongola Larry Wayne Duffell Jr. and Autumn Brooke Duffell, 26495 Bean Ridge Road, Thebes Farrah L. Hudson, 513 Mar teeny, Mount Vernon, and James M. Hudson, 729 E. Calumet, Centralia

Chapter 13 Douglas Lee Wedeking Jr., 510 N. Gordon, Pinckneyville Adam Holman and Emerena Holman, 1115 St. Andrew Circle, Rantoul Carole J. Wright, P.O. Box 211, Carbondale La Tasha S. Merriweather, P.O. Box 391, Tamms Chester L. Joplin and Teresa A. Joplin, 2299 Bryant Loop, West Frankfort Carol Anthony, 1609 Yost Drive, Apt. A, Marion Michael R. Greenway, P.O. Box 816, Jonesboro Charles E. Gossage, 1401 s. 16th St. Apt. 13, Herrin Kimberly E. Harvel, 3400 U.S. Highway 51 South, Anna Belinda R. Alexander, 1703 Carol Drive, Marion Steve K. Vinson, P.O. Box 691, Vienna, and Beverly J. Julian, P.O. Box 283, Vienna Raymond L. Helton and Charlotte A. Helton, 898 Liberty Road, Villa Ridge Kathleen A. Graham, P.O. Box 723, Carrier Mills Amy B. Markland, 204 S. Glenview Drive, Carbondale Nellie J. Casteel, 85, Old Cain Road, Harrisburg Charles Edward Pritchett Jr., 601 N. Seventh St., Mount Vernon Vivian L. Bailey, 118 State Highway 34,

Thompsonville June Darlene Mar tin, 1109 S. Feazel, Harrisburg Louis L. Albers, 14017 Bobwhite Road, Nashville Dennis P. Sminchak and Donna J. Sminchak, 10358 Gass St., West Frankfort Leo James Whitlock and Gina Marie Whitlock, 12 Edgewood Drive, Mount Vernon Cher yl L. Brimberr y, P.O. Box 222, Murphysboro Arthur R. Trexler and Lisa A. Trexler, 1051 Dumaroc Road, De Soto Jeffrey M. Bradley and Michelle M. Bradley, 3060 Egyptian Hills Drive, Creal Springs Ronald D. McClain Jr. and Miranda J. McClain, 51 Youngman Road, Apt. 6, Murphysboro Chanez D. Murray, 805 N. Almond St., Carbondale Charlotte M. Murray, 623 S. Manering St., Royalton Glen E. Crimson Jr., 108 Kim St., Apt. 1, De Soto Jerry L. Hays and Kristy E. Hays, 804 E. Ford St., Marion Paula R. Bondurant, P.O. Box 12, Cairo Timothy Clarida, 3311 Harco Road, Harrisburg Richard Keith Parks, 250 Clark School Road, De Soto David K. Stone and Leah D. Stone, 211 N. Church St., Pittsburg Har vey Carl Phillips, 416 S. Central St., Benton Aaron Michael Essary and Jerrie Rose Essary, 103 W. Second St., Johnston City Michael L. Melcher and Jamie R. Robinson Melcher, 105 Circle Drive, Herrin John R. Melvin, 305 W. Harrison Ave., Christopher Brian K. Winters, 387 Winters Lane, Christopher Cour tney L. Crick, 930 Big Ridge Road, Harrisburg Debbie K. Hagen, P.O. Box 133, Royalton Jessica A. Browning, P.O. Box 444, Vienna Shawn C. Tindell and Lisa M. Tindall, P.O. Box 174, Willisville Kyle J. Cowgill, 186 Briley Road, Eldorado Ar thur W. Wydeck, P.O. Box 312, Willisville William T. Winnett and Melody J. Winnett, 421 S. 23 Road, Herrin Clatrice Oliver, 714 S. 18th St., Murphysboro Melissa K. Taylor, 410 E. Eighth St., Metropolis Daniel J. Halligan, 902 Cross St., Crossville Timothy A. Queen and Shannon L. Queen, P.O. Box 105 Willisville Tara Ellen Carney, 200 Mundy St., Eldorado