SBJ 11-01-2010 by The Southern Illinoisan

NOVEMBER 2010

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Inside N OV E M B E R

COVER STORY Hoping for holiday success: Cautious optimism is perhaps the best term describing the feeling among Southern Illinois retailers planning for the rush of shoppers accompanying Thanksgiving, Christmas, News Years Eve and other seasonal holidays. It’s critical because holiday sales can make or break a business; as much as 80 percent of the profits of many stores come during the fourth quarter of the calendar year, especially the months of November and December. Page 4

ENTREPRENEUR’S MAILBAG Do we face a choice? SBJ contributor Cavanaugh L. Gray poses an interesting question in his monthly column: Can doing business co-exist with doing good? Happily, Gray reports that in this age of high-flying start-ups, social entrepreneurs have sprung up everywhere. Business owners are finding out that they can run a successful organization and still have a positive impact on the community. In other words, the answer is “yes.” Page 7

PERSONAL INVESTMENTS It’s a whole new ballgame: Today’s realities of retirement are markedly different from just a decade earlier. Expanded life expectancy requires looking at retirement investments from a different perspective. We all need to consider how we are envisioning retire-

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ment right now. Consider the following questions before deciding. Has your vision of retirement changed? Is retiring becoming more and more of a priority? Are you retired and looking to improve your finances? Page 9

INDICATORS Unemployment eases: Encouraging signs elsewhere in the national economy may finally have resulted in an improvement in the jobless rate in Southern Illinois. The unemployment rate fell in 17 of the region’s 18 counties, with decreases of 1 percent or higher in Franklin, Pope and Perry counties. Elsewhere in the indicators, hotel/motel stays in Carbondale during May dropped 9.3 percent from the same month one year ago, but remained 2.7 percent above the prior year as a whole. Prices at gasoline pumps in our region climbed just 5 cents over the prior year, but more than 40 cents from 2 years ago. Pages 12-13

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 e-mail at SBJ@thesouthern.com. The Journal is published 12 times per year monthly, and

Dutch Guttering .................................. 7 Feirich, Mager, Green & Ryan.............. 15 Glass Haunt ........................................ 7 Graphics Galore .................................. 7 Health Alliance .................................. 17 Hyannis Air Service .............................. 5 Jim’s Mobile Offices and Homes .......... 7 John A. Logan College ........................ 20

ACHIEVEMENTS Faces in the news: Our new feature in “Achievements” highlights the business portraits accompanying many business milestones. Find out who has been hired, who has been promoted or who has received an award for their efforts in business. If you know of a business or business person who deserves special recognition for advanced training, a unique honor or an expansion of business, please let us know at sbj@thesouthern.com. Page 18

Custom Cleaners .............................. 17

Midwest Backgrounds, Inc. ................ 17 Oliver and Associates, Inc. ................ 10 Pepsi MidAmerica .......................... 5, 19 Property with TLC, LLC .......................... 9 Silkworm Inc. .................................... 10

Publisher: Bob Williams n 618-351-5038

SIU Credit Union .................................. 8

Editor: Gary Metro n 618-351-5033

SIU Small Business ...................... 12-13

Advertising: Todd Wurth n 618-351-5028

Southern Illinois Healthcare................ 22

Circulation: Trisha Woodside n 618-351-5035

Southern Illinois University ................ 24

Database Coordinator: Mark Doman n 618-351-5042

Your Jeweler ........................................ 9

mailed to businesses, community development leaders, chambers of commerce members and other professionals in Southern Illinois. Copyright 2010 by The Southern Illinoisan, all rights reserved. A subscription may be obtained by calling 618-529-5454 or 618-997-3356, or by visiting our Web site.

NOVEMBER 2010

SOUTHERN BUSINESS JOURNAL

To Our Readers ‘Hoop it up’ at Leaders Breakfast BY GARY METRO SBJ EDITOR

Anyone ready for some basketball? Anyone ready to hear the story of an Illinois elected official who isn’t accused of corruption? You can scratch both itches in the Nov. 16 Community Leaders Breakfast sponsored by White the Southern Business Journal and The Southern Illinoisan. The keynote speaker, Illinois Secretary of State Jesse White, will talk about how he’s managed to keep himself and his office above the state’s political turmoil. White’s office is known nationally as a model agency, making headlines for advancing the graduated drivers licenses issued to teenage drivers and cutting the number of adolescent traffic fatalities. The office also is cited as a leader in promoting organ transplant awareness and making the organ donation process quick and easy. White believes in personal responsibility and integrity. He not only avoided the disgrace associated with two ex-governors — imprisoned George Ryan and recently convicted Rod Blagojevich — he took the office to a higher level and built a statewide reputation as a friendly, “people person” of strong character. White’s story won’t be the only highlight of the Community Leaders Breakfast: The event will be hosted this time only in the Student Center Ballroom at Southern Illinois University Carbondale. Breakfast admission includes a ticket to an unusual 9 a.m. men’s basketball game between SIU and Northeastern University, televised nationally on ESPN’s “24 Hours of Basketball.” The internationally known Jesse White Tumbling Team will perform at halftime of the basketball game. The breakfast begins at 7 a.m. in the SIU Student Center Ballroom and will conclude at 8:30 a.m. The game is scheduled to begin at 9 a.m. in nearby SIU Arena. Registration is required by Nov. 10. The cost of $15 includes a full breakfast buffet and a ticket to the game. To register, go online at www.sbj.biz, or call The Southern Illinoisan at 618-351-5002.

THE SOUTHERN FILE PHOTO

The Jesse White Tumblers, left, in action. Everything from simple tumbles to high flying acts were performed for the student body at Marion High School in 2007. After launching off of a small trampoline, one of Jesse White's Tumblers flies over the Illinois Secretary of State as he's holding a banner during a game at the SIU Arena in 2005.

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2010

Cover Story Retailers hope for strong holiday season BY LES O’DELL SBJ CORRESPONDENT

Even though she’s not made any purchases yet, Kristina Cox of Creal Springs has already started thinking about shopping for Christmas. She’s beginning to get ideas for her husband and daughter as well as the family and friends she will be buying for this year. Like many Southern Illinoisans, Cox says she would like to keep her holiday spending under control. “It’s hard to say how much we’ll actually spend this year. We would love to spend less (than last year), but once you get started, it’s always hard. Every time you round a corner, you see something that you know someone would really like.” Retailers across the region are hopeful that Cox and thousands of other holiday shoppers will be rounding their corners and finding the “must-give” gifts in their stores. The hope is one of necessity. “Holiday shopping is very important; in fact, it’s crucial to business success,” says Kristin Gregory, executive director of the Carbondale Chamber of Commerce. She adds that not only do holiday sales generate profits, they pay employee wages and are vital to communities that rely on sales tax receipts. Debbie Tindall, manager of University Mall in Carbondale, says 80 percent of the profits of many stores come during the fourth quarter of the year, especially the months of November and December. The results of these months carry long-term implications, says Matt Slinkard, owner of Byassee Music in Marion.

A lot riding “From a profit standpoint, the holiday season is a big time of year,” he says. “Christmas kind of dictates the rest of the year.” During the fall months, his company often makes plans in terms of improvements and expansion for the coming year, contingent upon holiday sales. If business is good, he proceeds

‘I think this year will be a little bit better than last — not by leaps and bounds, by any means — but slightly better. People are relaxing a bit and starting to spend money.’ MATT SLINKARD OWNER OF BYASSEE

MUSIC IN MARION

with the plans; if it is a down year, the ideas are postponed. He says he is confident that projects scheduled for 2011 will take place. “I think this year will be a little bit better than last — not by leaps and bounds, by any means — but slightly better,” he says. “People are relaxing a bit and starting to spend money.” Analysts across the country share Slinkard’s optimism. The National Retail Federation projects a modest 2.3 percent bump in consumer spending for this season — the second straight year that consumers like Cox will open their wallets a little more. Tindall says mall tenants are seeing an increase in purchasing, one she hopes continues through the end of the year. “We always look at what is trending for the year,” she says. “We’re looking at a modest increase over last year.” She adds the pricing of merchandise is especially important this year. “I think a trend started about four years ago that the price point is very important. Because of the wavering economy, consumers have been educated to wait until what they want is on sale. Retailers have to have a master strategic plan as to when to have items off and on sale.” David England, associate professor of business at John A. Logan College, adds that buyers will be bargain shopping again in 2010. He says some of the best deals may come early in the season. “Consumers may be surprised because retailers will have maximum inventory, so the bargains will be out early,” he says. Tindall adds that even though buyers are closely watching what they spend,

Shopping local keeps jobs, paychecks local It may not have the zing of holiday music lyrics, one refrain is commonly heard throughout the holiday season: “Shop locally!” Again this year, area business leaders are reiterating the need for consumers to spend holiday shopping dollars in their own communities. “One of the biggest ways we are going to turn around this economy is through local spending,” says David England, an associate professor of business at John A. Logan College. “Buying online or elsewhere really jeopardizes local jobs. Plus, the rate of turnover for each dollar spent here is huge — as much as seven or eight times. Shopping locally keeps jobs and sales tax here.” Byassee Music owner Matt Slinkard says he knows how the money trail benefits everyone. “Consumers buy from us, and we spend that money at the lumber yard across the street,” he explains. “Then they buy trucks and fuel and it just keeps going.” “It’s really important that we shop locally,” adds Kristin Gregory of the Carbondale Chamber of Commerce. “The dollars spent here actually benefit all of us in ways that we don’t even comprehend. It’s to everyone’s credit and a way to reinvest in our communities.” Gregory says the area has much to offer holiday shoppers. “The shopping experience we have right here and the variety of specialty stores would rival even some of the larger places in terms of quality,” she says. She adds that those shopping experiences can make for happy customers and retailers, alike. “It truly is a wonderful time of year when people are shopping and local businesses are making money.” — Les O’Dell

local retailers can benefit from the budget-conscious. “People are monitoring their budgets and that may mean they are staying closer to home and doing their shopping here, instead of traveling.” Still, local merchants will have to work hard to get a share of the sales, England says. “I think it’s going be up to the retailers,” he explains. “For those who have the right product line, promotional efforts, have done their homework and who have trained their sales staff, it will be a good year.”

Customer service He says customer service is a key ingredient to holiday profits. “People are going to be extremely cautious this year,” he adds. “Customers will be looking for retailers that appreciate their patronage and retailers that can take care of them after the sale.”

Service is important to customers. In fact, it’s second on Cox’s list of requirements. “Good deals and customer service are important to me,” she explains. “Things are priced high enough, so every good sale I can find is great, but if I’m not happy about the service I’m getting, I will put down whatever it is I was going to buy and walk out.” “I cannot over emphasize the importance of quality customer service, especially during the holidays,” Gregory says. “Every touch that makes a difference to someone can really make a difference on your bottom line, because people will remember and share it.” Slinkard says for stores like his, service is a distinguishing factor. “Customers really appreciate good service,” he says. “Because money is a little tight, they’re looking at what they are getting for the money. If they get SEE COVER / PAGE 6

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SOUTHERN BUSINESS JOURNAL

NOVEMBER 2010

Cover Story FROM PAGE 4 expertise and excellent customer service, we find that they appreciate it more.” During a recent visit to Southern Illinois, business growth consultant and author of “Bounce! Delivering Customer Service in a Self Service World” Barry Moltz said that holiday customer service pays dividends even after Dec. 31. “It’s not just about having a quality season. I think you have to try to

capture the customer so that they do business with you next year, as well. Too often in retail, we don’t think about the LTV — the lifetime value — of the customer and that is what we have to have to sustain our businesses.” The concept is what John A. Logan College’s England calls “aftermarketing.” “It means getting past the mindset of the product to one of keeping up with customers. Retailers that just put out a line of products and say, ‘here it is, come get it,’ will be disappointed.”

Focus, sell Nevertheless, retailers must focus and sell products to be successful. Tindall encourages her tenants to constantly promote full racks, fresh assortments and new merchandise. Slinkard says he’s looking to sell lots of smaller items this year. “I think it’s going to be a mid-range Christmas,” he says. “Sure, we’ll move a few big-ticket items, but I think things like stocking stuffers, starter instruments and the like will be big this year.”

England expects electronics to be big again this year. “What I call Internet information application products will do well, I expect.” He includes smart phones, iPad computing devices and digital book readers in the category. And what should merchants avoid? The same things as other years, cautions England. LES O’DELL of Carbondale is a regular contributor to Southern Business Journal and The Southern Illinoisan.

Employment Law Background checks require compliance with the Fair Credit Reporting Act BY ED RENSHAW SBJ CONTRIBUTOR

In order to obtain quality employees and prevent future legal problems, more and more companies are obtaining background checks, credit reports and criminal history Renshaw reports on job applicants. These are great tools to learn more about potential employees, but they can also lead to a different type of legal problem if not conducted properly. Let’s look at a few of the details to be aware of when doing background checks. Many businesses simply don’t have the resources to run background checks on all of their applicants. So, they hire companies that specialize in gathering information through credit reports, criminal history reports, driving records and, sometimes, interviews with friends, neighbors and former employers of job applicants. These companies are called “credit reporting agencies” or CRAs. The reports they

provide employers are called “consumer reports.” If your company uses a CRA to check out potential employees, then you and the CRA must comply with a federal law called the Fair Credit Reporting Act. If your company has the resources to conduct its own background checks, you do not have to comply with the act. However, it is certainly important that you disclose in writing to applicants that you will be conducting a background check and obtain their written consent for the check. The act is intended to insure that applicants are aware that background checks are being run on them and that the information in those checks may be used in the hiring decision. Restrictions and obligations are placed on both the CRA and the employer as to the type of information obtained and the use of that information in deciding not to hire an applicant. First and foremost, you must have a valid purpose for requesting a consumer report — that is, it must be used for the purpose of evaluating a job applicant or evaluating a current employee for purposes of promotion, reassignment or retention. In other words, you can’t get a consumer report just because you are

curious about an employee. Employers who use a CRA are required to certify to the CRA that the consumer report is being used for an employment purpose, that the applicant has authorized the report, that the employer will give the applicant a copy of the report if the applicant is not hired based on information in the report and that the employer will not use the information in the report in a manner that violates state or federal law. You must give an applicant a written notification that you will conduct a background check. This notice must be a form that is completely separate from any other document you use in the hiring process, such as an application. If the notice is, for example, at the bottom of the application form, it is not a valid notification and you may face a lawsuit if the applicant is not hired due to information found in the background check. You must also obtain the applicant’s written consent to conduct the background check. It is permissible to have the consent form be a part of the notification form. If a consumer report is the reason, or one of the reasons, an applicant is not

hired, the applicant must be provided a copy of the consumer report before you actually inform the applicant of the non-hiring decision. The applicant must also be given a written summary of the applicant’s rights under the act. After the applicant is informed of the decision not to hire, she must be given contact information for the CRA that provided the consumer report. She also must be told how to obtain the information used by the CRA to prepare the report and that she can take steps to dispute the accuracy of that information. Background checks through consumer reporting agencies can be valuable tools in the hiring process. However, be sure that the agency and you are complying with all the requirements of the Fair Credit Reporting Act. EDWARD RENSHAW is a partner with the Carbondale law firm of Feirich /Mager/ Green /Ryan. F/M/G/R is a general practice law firm offering a full range of legal services, including labor and employment law, commercial transactions, banking, real estate, workers’ compensation, municipal law and estate planning. The firm’s telephone number is 618-529-3000 and its website is at www.fmgr.com.

NOVEMBER 2010

SOUTHERN BUSINESS JOURNAL

Entrepreneur’s Mailbag Doing business and doing good: Can they co-exist? BY CAVANAUGH L. GRAY SBJ CONTRIBUTOR

Gray

Three years ago I did the unthinkable as a business owner. I put a lot of personal projects and business desires aside for the opportunity to have a greater social impact on the people that live and work in

Southern Illinois. As a kid I clearly remember the day my mom took me to Wendy’s. I remember going to throw our trash out and watching a man immediately afterward reach into that garbage can and eat my garbage. Watching that scene was heartbreaking, but I said if I ever had the chance to do

something about that I would. So it was a no-brainer when the opportunity to launch Project Compassion, Vine Community Church’s homeless families ministry, presented itself that I ultimately jumped. It’s interesting that in this age of highflying start-ups, social entrepreneurs have sprung up everywhere. Business owners are finding out that they can run a successful organization and still have a positive impact on the community.

of small business. These practices include solid management, effective marketing and stable financials in order to become a viable business with a purpose. Lastly, in traditional businesses the benchmarks of success are usually measured in monetary outcomes (achieve $2 million in sales). Social enterprises measure their success in terms of the overall social impact that a project has produced (reducing area land waste by 25 percent).

The state of social enterprises Social entrepreneurship Social entrepreneurship is not complicated and focuses on a few simple ideas. For starters, social entrepreneurship involves recognizing and addressing a social problem. Also, don’t be fooled by the word social, as social entrepreneurship looks to use all of the traditional principles

Over the years, social entrepreneurship has veered toward three prominent areas. There is a large social entrepreneurship push toward research and develop as companies race furiously toward a cure for cancer and other diseases. Entrepreneurs like Jessica Scorpio have developed tracking technology that will turn our

everyday cars into a new car sharing service. This will ultimately preserve natural resources and reduce greenhouse emission gases. Waste management leader TerraCyle has prospered by turning worm waste into organic fertilizer. In addition thier massive warehouses hold trash of all sorts ready to be commercialized into every day products like jackets and backpacks. A study by the National Federation of Independent Businesses found that 78 percent of Americans believe that small business exerts a positive influence on the country’s direction. Now more than ever a growing number of entrepreneurs are positively influencing the social direction of this nation. Since that day in Wendy’s, I have always had a heart for our homeless. By using my business background, SEE BUSINESS / PAGE 11

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NOVEMBER 2010

SOUTHERN BUSINESS JOURNAL

Personal Investments Two biggest retirement misconceptions: Retirement has changed, but some financial assumptions haven’t BY SCOTT MCCLATCHEY SBJ CONTRIBUTOR

We’ve all heard about the “new retirement,” the mix of work and play that many of us assume we will have in our lives one day. We do not expect “retirement” to be all leisure. While McClatchey this is becoming a cultural assumption among baby boomers, it is interesting to see that certain financial assumptions haven’t really changed with the times. In particular, there are two financial misconceptions to which baby boomers can fall prey — assumptions that could prove financially harmful for their future. Misconception No. 1: Assuming retirement will last 10 to 15 years. Historically, retirement has lasted about 10 to 15 years for most Americans. The key word here is “historically.” When Social Security was created in 1933, the average American could anticipate living to age 61. By 2005, life expectancy for the average American had increased to 78. However, some of us may live much longer. The population of centenarians in the U.S. is growing rapidly. The Census Bureau estimated 71,000 of them in 2005 and projects 114,000 for 2010 and 241,000 in 2020. It also believes that 7.3 million Americans will be 85 or older in 2020, up from 5.1 million 15 years earlier. If you’re reading this article, chances are you might be wealthy or at least affluent. And, if you are, you likely have good health insurance and access to excellent health care. You may be poised to live longer because of these two factors. Given the landmark health care reforms of the Obama administration, we could see another boost in overall American longevity in the generation ahead. Here’s the bottom line. Every year, the possibility is increasing that your

retirement could last 20 or 30 years, or longer. So, assuming you’ll need only 10 or 15 years worth of retirement money could be a big mistake. In 2010, the American Academy of Actuaries says that the average 65-yearold American male can expect to live to 84, with a 30 percent chance of living past 90. The average 65-year-old American female has an average life expectancy of 87, with a 40 percent chance of living past 90. Most people don’t realize how much retirement money they may need. There is a relationship between misconception No. 1 and misconception No. 2. Misconception No. 2: Assuming too little risk. Our appetite for risk declines as we get older, and rightfully so. Yet there may be a danger in becoming too risk-averse. Holding onto your retirement money is certainly important, but so is your retirement income and quality of life. There are three financial issues that can affect your quality of life and/or income over time: taxes, health care costs and inflation. Will the minimal inflation we’ve seen at the start of the 2010s continue for years to come? Don’t count on it. Over the last few decades, we have had moderate inflation (and sometimes worse, think 1980). What happens is that through time, even 3 to 4 percent inflation gradually saps your purchasing

power. Your dollar buys less and less. Here’s a hypothetical challenge for you. For the rest of this year, you have to live on the income you earned in 1999. Could you manage that? This is an extreme example, but that’s what can happen if your income doesn’t keep up with inflation; essentially, you end up living on yesterday’s money. Taxes will likely be higher in the coming decade. So, tax reduction and tax-advantaged investing have taken on even more importance, whether you are 20, 40 or 60. Health care costs are climbing. We need to be prepared financially for the cost of acute, chronic and long-term care. As you retire, you may assume that an extremely conservative approach to investing is mandatory. But, given how long we may live and how long retirement may last, growth investing is extremely important. No one wants the “Rip Van Winkle” experience in retirement. No one should “wake up” 20 years from now only to find that the comfort of yesterday is gone. Retirees who retreat from growth investing may risk having this experience. Note that investing in securities involves risk, including possible loss of principal. No strategy can assure success or guarantee against loss in declining markets.

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How are you envisioning retirement right now? Has your vision of retirement changed? Is retiring becoming more and more of a priority? Are you retired and looking to improve your finances? Regardless of where you’re at, it is vital to avoid the common misconceptions and proceed with clarity. SCOTT MCCLATCHEY is a founder and LPL financial adviser with Alliance Investment Planning Group, a Carbondalebased investment firm located at 115 S. Washington St. He can be reached at 618-519-9344 or scott@alliance investmentplanning.com. Securities offered through LPL Financial, member FINRA/SIPC.

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SOUTHERN BUSINESS JOURNAL

State Focus Sustainability: Some words of caution about our ‘new religion’ BY J. FRED GIERTZ SBJ CONTRIBUTOR

Thankfully, we live in a country with religious freedom where “Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof.” Giertz Nevertheless, it is becoming increasingly clear that we are all supposed to worship at the First Church of Sustainability. Sustainability is becoming a secular faith that is taking on many of the trappings of an organized, established religion. Recently, Gov. Pat Quinn appeared on the University of Illinois campus, where university leaders and the governor signed a “sustainability compact” committing the university to “embrace a sustainable way of life.” Mixing religious and martial metaphors, the governor stated: “You are the front line. You are the troops that are going to take us to the promised land. You’re landing on the beach at Normandy and we’re going to win this green revolution.” Quinn might better have focused on the near term goal of economic sustainability for the university, which was waiting to receive hundreds of millions of dollars from the state in delayed promised support. The University of Illinois now has an Office of Sustainability to promote the cause. A monument to sustainability is being planned in the form of a single $2 million-plus wind turbine to be built on the south campus. Note that even with substantial government subsidies, a single wind turbine is not economically viable. That is why there are wind farms. There are also enforced sacrifices and rewards to promote sustainability. We have the ritual of recycling even in situations where recycling does not make economic sense. A number of parking places at university lots are now designated for hybrid vehicles, much to the consternation of those facing a full lot with no other available spaces. On one occasion last spring, Campus Recreation

participated “in the global sustainability movement” by imposing an Earth Hour ritual by closing its facilities for an hour to diminish its carbon footprint. Note the ritual sacrificial nature of these actions in that they are symbolic with little or no real impact on the environment or sustainability. More broadly, sustainability has other religious elements. The Catholic church once sold indulgences that mitigated the punishment for confessed sins. True believers in sustainability, such as Al Gore, can buy carbon offsets where others are paid to sacrifice to compensate for their less-than-sustainable behavior. Sustainability also depends on the prospect of a religious-like apocalyptic environmental disaster. Throughout the years, the form of environmental apocalypse has evolved. The first threat was pollution that would eventually engulf humanity. Fortunately, this threat has receded. By virtually every measure, pollution is less serious today than it was on the first Earth Day 40 years ago and certainly compared to a century ago. The next two disasters were over population and resource exhaustion. The earth would not be able to support a growing population, and resources would eventually be used up. These two assertions were effectively countered by the underappreciated University of Illinois economist Julian Simon, who died in 1998. In a lonely campaign, Simon demonstrated that population growth in a modern society coincided with rising living standards and innovation. Note that today’s declining populations are the real threat in Europe and Japan. To highlight the religious nature of the issue, Simon sometimes wore clip-on red devil horns in debates. Simon also prevailed on the resource exhaustion question, where he argued that market forces would be an effective means of conserving resources. This was highlighted in his famous wager in 1980 with noted environmentalist Paul Ehrlich (who wrote the book “Population Bomb”) about whether commodity prices would rise or fall. Simon and Ehrlich agreed on five commodities, with Simon winning a convincing victory in 1990 when the

prices of copper, chromium, nickel, tin and tungsten fell from their 1980 levels. The current apocalyptic threat is global warming. There appears to be a considerable degree of consensus among scientists that global warming is occurring and is being exacerbated by human activity. Note that critics of global warming are labeled heretics or deniers. However, it has proven difficult to predict the course of global warming (or cooling) because the earth experiences natural cycles of warming and cooling independent of human activity. Even for proponents of global warming, the apocalyptic view has changed recently. Careful studies, such as the British government’s Stern Report, suggested that substantial sacrifices are needed now to avoid considerable damage decades or even centuries in the future. The report concluded that paying a price of 5 percent of world output today would be needed to avoid a 10 to 20 percent decrease 100 years from now. Critics, however, pointed out that the incomes of people in 100 years will likely be several times that of those today. This means that relatively poor people today would be sacrificing to increase incomes of the richer unborn 100 years in the future. This hardly qualifies as an apocalypse. The next and current version of the global warming apocalypse is the small probability of rapid global warming with much harsher consequences. Low probability events with high potential costs (such as a large asteroid striking Earth) are notoriously difficult to evaluate. However, the suggested policy responses now being considered to address global warming are totally inadequate to deal with this catastrophic scenario. These half-measures have to be considered symbolic, not effective sacrifices. The religious nature of the sustainability movement should not lessen genuine commitments to the environment and conservation. Environmental goals can best be achieved by the market process where all resources, including environmental ones, are properly priced. This requires the intervention of government to set and enforce

Find more business news at www.sbj.biz. appropriate prices in certain cases. Such measures would force people to take into account the full costs, including the environmental consequences of their actions. Sacrifices in this setting would have real and meaningful environmental and economic payoffs, not just symbolic ones. It is often overlooked that the goal of sustainability is a weak and passive objective. Sustainability is defined as the “capacity to endure” or “maintain.” If sustainability had been the goal of the United States when it formed more than 200 years ago, we would have a tiny fraction of our current population, living half as long as people today with per capita income less than 5 percent of current levels. Just as we should be careful of what we wish for, we should also be careful of what we want to sustain. J. FRED GIERTZ is a professor of economics within the University of Illinois’ Institute of Government and Public Affairs. He can be reached at 217-244-4822 or jgiertz@ ad.uiuc.edu.

BUSINESS: Doing good FROM PAGE 7 working with an amazing group of volunteers, partnering with area restaurants, property managers and hotels. Vine Project Compassion has assisted more than 60 families in finding and maintaining permanent housing. I am excited about what the future of social entrepreneurship might bring. CAVANAUGH L. GRAY is the Director of Business Development for The Entrepreneur Café, L.L.C. in Carbondale. He can be contacted at cgray@ecafell.com or 618-2067013. For more ideas on social enterprises or for more information on how to start, grow & succeed in small business be sure to follow The Entrepreneur Café, L.L.C. on Twitter www.twitter.com/ TheECafe or at www.ecafellc.com.

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 July 2010

2009

2008

2007

2006

2005

72.7 44.9 345.1 24.1 31.0 41.9 116.8 92.6 7.0 402.6 47.7 299.9 76.6 57.4 20.6 44.2 74.1 23.0 52.6 69.4 $1,944.2 $847,786.7

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 $237,438.0

112.3 72.4 607.4 40.3 51.7 94.4 173.6 134.4 11.3 662.4 79.8 461.5 94.9 105.2 35.8 73.7 129.5 39.8 82.8 111.4 $3,174.7 $180,162.7

111.7 75.0 610.4 39.9 54.0 103.1 168.5 137.5 11.5 592.7 74.8 501.0 93.0 105.7 41.7 82.5 133.1 36.9 77.7 106.8 $3,157.6 $173,362.8

109.7 70.4 579.4 32.7 51.1 95.0 164.9 127.9 11.5 545.9 69.4 475.3 94.6 101.1 38.0 82.5 127.7 32.7 70.8 102.3 $2,983.0 $167,459.0

N I L L I Chicago Fed Midwest % change 05-09 Manufacturing Index

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

4.4% 1.4% 2.4% 22.0% 3.5% 6.1% 16.4% 15.1% 8.7% 23.8% 11.1% 0.3% 53.4% 6.7% 2.1% 15.0% 1.0% 13.5% 29.8% 8.9% 8.5% 16.6%

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. 105 104 103 102 100 98 94 90 88

IPMFG Aug 10 91.3

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

Labor force

Jobless

Aug 2010

Sept 2010

Aug 2009

3,228 18,251 2,846 4,212 1,841 31,982 20,913 5,202 7,743 9,671 2,016 2,932 15,764 13,324 8,228 8,539 7,707 34,937 199,336 6,679,533 154,110,000

427 2,464 290 414 227 2,662 2,054 588 870 1,142 220 353 1,400 1,323 1,022 675 680 3,356 20,168 663,191 14,860,000

13.2% 13.5% 10.2% 9.8% 12.3% 8.3% 9.8% 11.3% 11.2% 11.8% 10.9% 12.0% 8.9% 9.9% 12.4% 7.9% 8.8% 9.6% 10.0% 10.9% 9.6%

13.3% 14.5% 10.8% 10.2% 12.5% 9.0% 10.5% 12.1% 11.0% 12.9% 11.9% 12.9% 9.5% 10.8% 13.2% 8.5% 9.4% 10.3% 11.3% 10.6% 9.5%

14.3% 14.9% 10.9% 10.1% 12.3% 8.2% 10.1% 11.7% 9.6% 12.5% 11.4% 12.6% 9.6% 11.2% 11.5% 8.5% 8.8% 10.0% 11.0% 10.4% 9.7%

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

0.1 1.0 0.6 0.4 0.2 0.7 0.7 0.8 0.2 1.1 1.0 0.9 0.6 0.9 0.8 0.6 0.6 0.7 1.3 0.7 0.1

Change year

76 74

q 1.1 72 79.9 q 1.4 70 68 q 0.7 q 0.3 66 0.0 64M J J A S O N D J F M A M J J A ’10 ’09 p 0.1 q 0.3 SOURCE: FEDERAL RESERVE BANK OF CHICAGO q 0.4 p 1.6 q 0.7 q 0.5 q 0.6 Aug 10 Aug 09 Change q 0.7 q 1.3 MONTHLY TOTALS p 0.9 618 175 p253.1% q 0.6 YTD TOTALS 0.0 q 0.4 3,066 982 p212.2% q 1.0 2009 2008 Change q 0.5 ANNUAL TOTALS q 0.1 2,750 2,636 p 4.3%

CFMMI Aug 10

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 October 2010.

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

8 87 20 31 16 130 101 29 31 55 8 10 79 89 36 28 70 172 1,000

13 144 19 35 10 188 138 41 24 72 12 13 121 84 43 59 36 220 1,282

698

Carbondale

Region

699

692

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 Aug 09

694

SOURCE: EXPERIAN

Aug 10

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

Change

2009

38.5% 39.6% 5.3% 11.4% 60.0% 30.9% 26.8% 29.3% 29.2% 23.6% 33.3% 23.1% 34.7% 6.0% 16.3% 52.5% 94.4% 21.2% 22.0%

137 989 184 224 94 1,348 842 353 278 565 85 124 936 719 447 515 471 1,868 10,179

2008 169 1,341 294 287 109 1,969 1,270 481 422 689 123 221 1,208 1,064 596 621 721 2,515 14,100

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

Change 13.3% 7.5% 30.7% 10.4% 19.3% 21.4% 14.9% 14.8% 3.7% 8.0% 10.8% 11.1% 7.3% 15.7% 11.6% 4.4% 8.6% 9.7% 11.1%

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

Sept 10 93.5

Q2 10 Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Williamson ILLINOIS

2 82 1 7 2 135 90 23 34 30 1 2 44 34 29 196 35,628

Q2 09 3 65 1 0 4 116 79 16 30 46 2 6 38 26 19 185 27,890

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

q p

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

Change 33.3% 26.2% 0.0% NA 50.0% 12.8% 13.9% 43.8% 13.3% 34.8% 50.0% 66.7% 15.8% 30.8% 52.6% 5.9% 27.7%

2008 17 276 NA 7 0 383 332 78 112 126 10 13 149 80 101 639 107,075

2007 32 332 NA 8 0 467 381 92 128 149 9 4 136 78 91 705 140,378

q q

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

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.

May 10 May 09 MONTHLY TOTALS $725,213

YTD TOTALS $2,949,986

Change

$799,847 q

$3,082,374 q

2009 ANNUAL TOTALS

2008

9.3%

U.S. city average Aug 10 218.4

220

218

4.3%

Change

$7,520,856 p

Change

MEDIAN SALES PRICE Q2 10 Q2 09

46.9% 16.9% NA 12.5% 0% 18.0% 12.9% 15.2% 12.5% 15.4% 11.1% 225.0% 9.6% 2.6% 11.0% 9.4% 23.7%

$110,000 $49,250 $12,000 $56,000 $139,500 $115,000 $78,950 $100,500 $71,000 $57,971 $27,400 $61,900 $83,500 $42,700 $60,000 $104,000 $160,000

Total units sold, including condominiums

’10

216

214

212

2.7% 210

Home sales

’09 OF ILLINOIS SOURCE: INSTITUTE OF ’08 GOVERNMENT AND PUBLIC AFFAIRS, UNIVERSITY

$7,725,727

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

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.

$57,500 $63,000 $27,500 $0 $45,000 $101,500 $82,000 $142,500 $59,750 $61,450 $48,450 $49,750 $63,700 $46,750 $63,000 $96,000 $159,500

Midwest urban Aug 10 208.6

208

p q q

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

Change 91.3% 21.8% 56.4% NA 210.0% 13.3% 3.7% 29.5% 18.8% 5.7% 43.4% 24.4% 31.1% 8.7% 4.8% 8.3% 0.3%

206

204

200 A

S O ’09

A ‘10

SOURCE: U.S. DEPARTMENT OF LABOR

Prices at the pump Average price per gallon of regular, unleaded gas as of Sept. 17 and Oct. 15, 2010.

Oct 10 Sept 10 Metro East Springfield Illinois U.S. SOURCE: AAA

$2.86 $2.87 $2.96 $2.83

$2.81 $2.86 $2.97 $2.73

Oct 09 $2.42 $2.54 $2.55 $2.49

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2010

Money Matters Governor Blago at the OK Corral BY RICHARD HABIGER SBJ CONTRIBUTOR

Before his conviction, it seems the former Governor intended to pick a fight with the federal government over long-term care . . . as he had done with the importation of Habiger pharmaceuticals from Canada. As strange as it may seem, the delay since 2006 in implementing the long-term care provisions of the federal Deficit Reduction Act in Illinois appears to have been part of Blago’s grand scheme to be seen and heard as fighting for the “little guy” on health care. The sheriff, however, caught up with

the governor before he got to the OK Corral for the contrived and pretentious shoot-out with the federal government. Now that the street has been cleared of the roadblock, Illinois is moving ahead to implement the revisions to the longterm care Medicaid rules mandated by DRA. Unfortunately, the proposed revisions to the Illinois Medicaid rules, which are currently pending but not yet adopted, go much further than required by the federal DRA. For example: l The new Illinois long-term care Medicaid rules will be retroactive to Feb. 8, 2006, the date the DRA was signed into law by President Bush. The DRA merely mandates a five year “lookback” period; it does not mandate retroactivity. l The Illinois DRA rules will require a person to enter a nursing home or supportive living facility before the

person will be eligible for Medicaid coverage of their care. Apparently, Medicaid coverage of at-home care will no longer be available. l Under the current rules, a transfer of assets that creates a “penalty period” (during which Medicaid will not cover the cost of care) can be cured by returning all or a part of the assets that were transferred. Under the new rules, nothing short of a full return of the assets will remove the “penalty period.” l The new rules will penalize all gifts or transfers, even small gifts made for charitable, church, or educational purposes. l The proposed rules also create massive barriers to rectifying an illadvised transfer . . . barriers which are not required by the federal DRA law. l Finally, contrary to long-standing public policy in Illinois of discouraging divorce, the proposed rules will force

many married couples to divorce in order to protect the financial security of the spouse that remains at home. In short, seniors and their care-giving family members are at risk. Seniors and those who love them need to do what they can before the effective date of the new long-term care Medicaid rules. They need to consult without further delay with a knowledgeable and experienced elder law attorney on the steps they need to take to protect themselves, their home (or farm), and a lifetime of savings. RICHARD HABIGER is the author of the Illinois edition of How to Protect Your Family’s Assets from Devastating Nursing Home Costs: Medicaid Secrets and is an elder law attorney, who focuses on asset protection, Medicaid and VA benefits. You may contact him at 618-549-4529 or info@habiger elderlaw.com.

Just a pause … or a double dip recession? BY MICHAEL P. TISON SBJ CONTRIBUTOR

The broad range of economic data reports indicates that the pace of the recovery has slowed in recent months. It’s not that unusual — recoveries are typically uneven across time and Tison across sectors. The current slow patch does not necessarily mean that we’re headed toward a doubledip recession. However, the downside risks to the growth outlook have increased. From the beginning, this recovery was expected to be gradual. Downturns caused by financial crises tend to be much more severe and longer lasting than typical recessions, and recovering from them takes longer. You’re simply not going to get the strong snapback from pent-up demand for homes

and new cars. More troublesome, we need much stronger economic growth — real gross domestic product growth on the order of 5 percent to 6 percent for several quarters — in order to recoup the 8.5 million jobs lost in the downturn (plus, over time, absorb the continuing stream of new entrants to the labor force). The unemployment rate is expected to remain elevated for a number of years.

Forceful headwinds The economy has continued to face some strong headwinds. There are lingering problems in residential and commercial real estate, but these should decrease over time. State and local government budgets remain under considerable strain (especially in Illinois), leading to job cuts, reductions in government services and some increase in taxes — all of which make the recovery weaker than it would be otherwise. Credit remains relatively tight, especially for small businesses, which typically account for a lot of the job

Find more business news at www.sbj.biz. growth during an expansion. The federal fiscal stimulus is set to ramp down in 2011 and the Bush administration tax cuts are set to expire at the end of this year. On the positive side, the financial system is in much better shape than before the recession. The bank rescue, while generally unpopular, helped stabilize financial conditions. Corporate profits have recovered, largely on the basis of cost-cutting efforts, although we have seen a fair amount of top-line growth — and cash positions are strong, business fixed investment was strong in the first half of this year.

Two-pronged recession? What might cause a double dip? There are three possibilities: l An adverse shock to the system (such as a major natural disaster or oil prices

moving above $100 per barrel). l Bad attitudes (by which is meant expectations of a further downturn that could become self-fulfilling if consumers increase savings and firms stop hiring). l A policy mistake (the Federal Reserve increases rates too early or taxes are raised too soon). Fed Chairman Ben Bernanke is an expert on the Great Depression and the lessons it contained — so the Fed is unlikely to tighten policy anytime soon. In fact, the Fed is considering more quantitative easing. The prospects for further fiscal stimulus are slim, given the public mood against large budget deficits. On the other hand, fiscal belt-tightening, while well intentioned, would extend the recovery timeline. 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.

NOVEMBER 2010

SOUTHERN BUSINESS JOURNAL

Tax Planning Plan for year-end giving BY GENE HONN SBJ CONTRIBUTOR

If done carefully, giving before yearend could provide you with a double benefit. First, you will be supporting the good works of your favorite charity. Secondly, tax incentives may Honn enable you to do more than you realized possible, even improving your own financial position in the process. Availability of the income tax deduction helps the charitable person be even more charitable. Possible benefits with a year-end gift: l Save on this year’s income tax. l Save on capital gains tax. l Save on future estate tax.* l Increase your support for charity. If you itemize deductions, a gift is deductible in the year you make it. Generally, the effect of the deduction is that the higher your income tax bracket, the more you will save in taxes. Many states also allow an income tax deduction for charitable gifts, so the total tax savings are often higher than those generated by the federal income tax deduction alone. If you have had to take the standard deduction in past years, giving more may increase your deductions above the standard. This may qualify you for a greater tax benefit. The most simple and direct option is giving cash. You can make an unrestricted donation, and the charity will use the gift to meet its greatest current need. Alternatively, you may designate a gift for a specific purpose. A gift of cash may be deductible up to 50 percent of your adjusted gross income, and gifts in excess of 50 percent may be carried over as a deduction into the next five years. Stocks and other investments that have grown in value and owned longer than one year can become a substantial gift with a low net cost to you. You receive a charitable deduction for the donation, which is based on the stock’s fair market value on the date of the gift.

In addition, the bonus is that you avoid the federal capital gains tax that would otherwise be owed on a sale of the assets. When thinking of gifts of real estate, your first thought might be that you do not own property near the location of the charity. The fact is almost any real estate, developed or undeveloped, is potentially a charitable gift. If you have owned your home or other real estate for a long time, it likely has significantly increased in value. You can donate the property outright, place it in trust or retain financial benefits while supporting work of the charity. If you are issuing a check to a charitable organization, the effective date of your contribution is the date it is hand delivered or mailed. Stock that is held in electronic form can be transferred through your broker to an account in the charitable organization’s name. The value and date of the gift are determined by the date of the transfer, which is generally the date the securities are received in the charity’s account. The actual date of a gift of real estate is the date you deliver the signed deed. Before making your gift, you should first check with the charity to make sure the timing and type of gift meets its gift acceptance policy. It is also important for you to consult with your professional advisor before deciding on a gift and the method of gift to ensure that it does meet with your expected gifting and tax planning goals. For more information, go to www.sih.net/waystogive for an extensive review of gifting options. Your generous gifting spirit is always appreciated by the charity. *Federal estate taxes are currently repealed for all deaths that occur in the calendar year 2010. In 2011, estate taxes are scheduled to be reinstated for estates worth more than $1 million at rates up to 55 percent. However, Congress might reinstate estate taxes sooner than 2011. Information provided by the Stelter Company. GENE A. HONN is director of fund development for Southern Illinois Healthcare.

F M G R Feirich / Mager / Green / Ryan

Attorneys at Law Providing Business and Personal Legal Services to the Midwest Commercial Transactions Workers’ Compensation Labor Negotiations Employment Matters Municipal Law

Administrative Law Banking Law Real Estate Transactions Probate and Estate Planning Business Organization

Located in the Westown Centre • 2001 West Main, Carbondale • (618) 529-3000

Visit our web site at www.fmgr.com

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2010

Workplace The horse-human connection: Gender behavioral differences in equine action BY JANE SANDERS SBJ CONTRIBUTOR

Horses and gender communication — two of my favorite subjects. For my next two columns, I thought I’d combine them for an interesting look at how they relate. Horses, like Sanders humans, are a blend of masculine and feminine behavioral and communication styles. One significant difference separates us, however. Humans struggle daily with misperceptions, misunderstandings and rampant confusion as to how to communicate effectively with the style opposite from their own. Horses also struggle when trying to understand us, but, in their world, naturally and easily adopt a masculine or feminine style as the need arises. So, horses demonstrate ideal style flexibility. Both men and women would be well served to use each other’s communication style — in moderation when the situation calls for it. By no means should women use a masculine style exclusively, or vice versa. One of the most damaging behaviors many women adopt is trying to become “one of the guys” to fit into the traditionally man’s world of business. Doing so suppresses their authenticity and, in the long run, does much more harm than good. It will backfire personally or professionally, or both. A horse never tries to be something it is not. Learn how to communicate with it in a way it understands or you won’t get what you want. For those who may bristle at the suggestion to ever use a style other than their own, I suggest you just simply reframe the perception: Isn’t this a twist to the Golden Rule, treating others as you would like to be treated? I.e., if you would like to be communicated with your own style, assume that others would prefer you communicate with them in their style. As

famed horse clinician Pat Parelli said, “If your horse says no, you either asked the wrong question, or you asked the question wrong.” The following are communication and behavioral tips for both men and women that will help improve productivity, working relationships and chances for advancement. As I explain each style tip, I have interpreted it through the eyes of a horse for your interest and entertainment. Please note that I am not implying that men or women are like horses, just that our communication styles have some similarities and, therefore, opportunities for interesting learning. (Personally, I would love to be compared to a graceful, spirited, authentic, beautiful, intuitive, spiritual, big-hearted creature, but that’s just me.)

Tips for women communicating with men Be succinct, to the point, but not abrupt. Horses will lose trust and respond negatively to anger and rudeness. Unlike dogs and more like people, they do not love unconditionally. Hold details for back-up purposes. Horses get bored and mentally tired easily. Give them only exactly what they need at any particular moment during a training session or ride. Avoid tag questions, apologies, disclaimers (“This is a good report, don’t you think?” Better would be, “Good report.”; “Well, this is just my opinion, but…” Better would be “I think we should…”) Horses need clear, direct, yet gentle communication to be effective. They do not respond to indirect or weak communication. (Unless they have worked with you enough and love you enough to read between the lines. Sound familiar?) If gentle doesn’t work, dial it up a bit. If that doesn’t work, a bit more still. (Voice, then tap, then squeeze) But be sure you’re asking clearly, in language they understand! Reduce personal disclosure and problems. (Men don’t bond and process the same way women do. This behavior makes them uncomfortable and they may

view it as weak and unstable.) In this case, horses have the feminine style. Share as much personal information as you possibly can with a horse. They are there to heal, support, absorb and love. Generally, they love the human voice and just want to be with their owners, even if doing nothing but chewing hay and flicking an ear while listening. Handle conflict directly, politely, with empathy. (Be clear, to the point, but not rude or abrupt. If you are nervous about an upcoming confrontation, write out your thoughts to clarify and focus them.) As mentioned, horses do not respond well to anger, rudeness, or indirect communication. Just tell them what you want, with clarity, clear intention, gentle firmness and love in your heart. Make most decisions independently. (Reduce asking others for their opinion for consensus’ sake. Men see this as indecision and lack of confidence.) Horses are always looking for the leader. If they don’t find it, they will take over. Someone must be the leader and, for best results, it should be the human. Just step up to the plate and get things done. Avoid strong displays of emotions. (Men see this as weakness, too emotional and not managerial.) Loud outbursts will scare a horse. Keep in mind that they are prey animals, more like deer than the dogs and cats we are accustomed to. Humans are at the top of the predator chain. Therefore, sudden noises and movements, especially coming from such a powerful predator as a human, can easily frighten a horse. When interrupted, be direct and courteous, not sharp, but take back the floor. (“Hang on a second please, thanks.” Put your hand up to signal “stop” if you have to.) Horses, like children and some people, will constantly test your leadership skills. Use this skill to bring them back into focus for success. Wiggle the lead rope, tap their side, cluck your tongue. Remember, you don’t have to like someone to get the job done. To be successful with horses, it’s more important for them to respect and trust you first. They want to know you are the

leader. Like can come later, and will, if the respect and trust remain consistent. Like can come first; but, without the respect and trust, they will still run over you and challenge you at every turn. Be flexible and keep a positive attitude about differences. (Different is not right, wrong, bad or good — just different.) Horses, contrary to some opinions of stubbornness (OK, like some people, some horses are more stubborn than others), are the epitome of flexibility. They glide quickly back and forth from a masculine to feminine style depending on the situation. One minute grooming their best friend, the next biting an annoying pasture-mate to keep him in line, then back to grooming as if nothing else happened. And the bite was not executed with anger, only direct firmness. Five minutes later, she’ll be grooming the horse she bit. Charles de Kunffy, Hungarian dressage expert, noted, “For horses can educate through first-hand, subjective, personal experiences, unlike human tutors, teachers and professors can ever do. Horses can build character, not merely urge one to improve on it. Horses forge the mind, the character, the emotions and inner lives of humans. People can talk to one another about all these things and remain distanced and lonesome. In partnership with a horse, one is seldom lacking for thought, emotion and inspiration. One is always attended by a great companion.” Tips for men communicating with women in next month’s issue! JANE SANDERS is a speaker, trainer and facilitator in the areas of gender communication, strategic business or work/life planning, presentation skills, authentic leadership confidence, recruiting and retention of women, and selling to women. She is the creator of the Undercover Confidante service, offering discovery and solutions to challenging employee issues. She is author of “GenderSmart: Solving The Communication Puzzle Between Men and Women,” available on her website. Reach her at 618-204-5540, jane@janesanders.com or www.jane sanders.com.

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2010

Achievements AWA R DS

Walling

Ketring

Parton

Williams

Webb

Morse

Harris

Robert

Poole

Smith

Terry

Faces in the news

White

P RO M OT I O N S

R E T I R E M E N T

Angelic Artistry Permanent Makeup opens

Faces in the news

Cox

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 e-mail the information to sbj@thesouthern.com.

Growing Givers Consulting. Southern Illinois Community Foundation will host the forum Angelic Artistry Permanent from 8:30 a.m. to 4 p.m. Nov. 12 at Makeup Inc. recently opened for Kokopelli Golf Club in Marion. business inside Airbrush Alley in The forum, “Making the Ask: Illinois Centre mall in Marion. Fundraising in a Tough Economy,” Owner and certified technician will address the best fundraising Zelta Walling uses only the best practices, the development process quality pigments — no ironoxides. and the fears behind asking for Walling offers a wide selection of permanent makeup colors. She uses money. Continuing education credits are 100 percent disposable parts, so available for professionals. there is no possibility of cross Registration is $25 per person, contamination. which includes lunch at Kokopelli. Call 618-922-4872 for an To register or for more appointment. information, call Southern Illinois Community Foundation at Ketring joins Associated 618-997-3700. Registration also is Psychotherapists available at www.sicf.org. Elaine A. Ketring, a licensed clinical professional counselor and Webb named to state licensed child welfare specialist, program committee joined the Herrin-based Associated Goreville Community Unit Psychotherapists in July. School District 1 Superintendent Ketring has 15 years of experience Dr. Steve Webb has been in treating depression, anxiety and appointed by State Superintendent behavioral disorders. In her general Dr. Chris Koch and the Illinois State practice, she plans to see children Board of Education to a new Illinois ages 4 and older, adolescents, state initiative aimed at better adults and senior citizens. preparing children to enter K-12 Call 618-988-1757 for an education. appointment. Webb will serve as the only member south of Springfield on the Parton attends seminar Kindergarten Readiness Betty J. Parton of Marion, a Assessment Stakeholder Modern Woodmen of America Committee based out of the Erikson representative, recently completed Institute in Chicago. a five-day educational program at The committee consists of Modern Woodmen’s home office in members of each chamber of the Rock Island. Illinois General Assembly from both The program covered retirement the democrat and republican distribution techniques to caucuses, representatives of each of maximize income to recipients, the teacher unions, and education while minimizing potential income specialists from across the state. tax liabilities during retirement years. Morse, Harris receive

Williams to serve as forum facilitator Russ Williams, a Southern Illinois native, will serve as the facilitator of a forum for non-profit organizations. A noted fundraising specialist, Williams is director of development at Brehm School in Carbondale and a consultant with

national awards Country Financial representatives David Morse of Harrisburg and Mike Harris of Carbondale recently received national awards for helping clients secure the right insurance products to cover their financial risks. Morse received the National Quality Award, and Harris received

the National Multiline Sales Award. The awards are presented annually by the National Association of Insurance and Financial Advisors. Morse serves clients from his office at 116 N. Veterans Drive in Harrisburg, and Harris serves customers from his office at 526 E. Main St. in Carbondale.

Governor appoints Robert to advisory board Kim Robert recently was appointed by Gov. Pat Quinn to the Illinois Radiologic Technologist Accreditation Advisory Board. Robert has been the director of Rend Lake College’s radiologic technology program since 2007. The RTAA Board advises the Illinois Emergency Management Association on radiologic-related profession or occupation accreditation requirements. The IEMA currently accredits approximately 14,000 medical radiation technologists, of which 11,700 are radiographers. Robert, 35, of Clinton County, is the only RTAA Board member from Southern Illinois. Her term will expire April 4, 2013. She has been a member of RTAA since 2008.

Poole joins dental team April Poole joined the team of James E. Simpson, D.M.D., and Carterville Family Dentistry in June. Poole provides dental cleanings and sealants, as well as periodontal scaling and root planning. She has worked as a dental hygienist since 2001.

Cox, Smith join SIDEZ Amy Cox and Tabatha Smith recently joined Southernmost Illinois Delta Empowerment Zone, Inc. Cox joined SIDEZ on Oct. 5, replacing longtime Executive Director Donna Raynalds. Cox received a degree in urban and regional planning from the University of Illinois and previously worked with Apollo Equity Partners

NOVEMBER 2010

SOUTHERN BUSINESS JOURNAL

and the National Equity Fund as a Low Income Housing Tax Credit asset manager. Smith, of Mounds, joined SIDEZ as an executive assistant Sept. 7. She previously worked for Southern Illinois Drug Taskforce and Pulaski County state’s attorney.

conducted recently by KFVS Channel 12. The contest, “Heartland’s Best Healthcare Professionals,” generated 150 nominations from 50 counties in the tristate area. White and the other 11 winners throughout the region were interviewed recently on the station’s Breakfast Show.

Terry publishes new book

Craft consignment shop opens

Dixie Terry, a freelance writer based in Goreville, recently published a new book, “From My Kitchen Window, Second Edition,” a 15-year compilation of her food columns of Springhouse Magazine. The first edition contained the first 10 years of columns. Both books are available at The Chocolate Factory in Pope County, Wolf Creek Antiques and Grace Art Gallery in Goreville, Shawnee Winery and Carnegie Library in Vienna and The Bookworm in Marion and Carbondale. Book signings will be conducted in the near future. Terry can be contacted at 618-995-2491.

A new consignment shop opened recently at 411 W. North St. in Sesser. This shop is for crafters and artists only. Co-owners Jane Baine and her daughter, Sara Montgomery, both of Sesser, are artists themselves. Some of the crafts that are represented include mosaics, jewelry, sewn and embroidered items, flower arrangements, crocheted items, quilts, pillows and wooden yard items, as well as fall and Christmas items. The shop hours are 10 a.m. to 7 p.m. Thursday and Friday; and 10 a.m. to 4 p.m. Saturdays. To speak with an owner, call 618-625-6125.

White receives recognition

Holistic Wellness Center celebrates grand opening

Leonda White, activity director for Fifth Season Residential Assisted Living in Benton, is one of 12 winners in a contest

Holistic Wellness Institute celebrated its grand opening recently at 1827 W. Main

St., Murdale Shopping Center, in Carbondale. Demonstrations of some of the most advanced holistic medical devices in the Midwest were presented, including the NeuroAcoustic Chair Therapy. There were also demonstrations of various healing modalities, including massage, Reiki and Cranial Sacral Therapy.

Employee of the month named Correctional officer George Johnson was selected August 2010 Employee of the Month at Tamms Correctional Center. He began his career at the center in 2000 as a correctional officer.

Complete Family Eyecare opens Dr. Chase Rudolph, O.D., recently opened Complete Family Eyecare Inc., at 2813 S. Park Ave. in Herrin. Herrin Chamber of Commerce hosted a ribbon-cutting ceremony Sept. 30 to welcome him to the business community.

Dealer of the Year named Murdale True Value Inc. of Carbondale was recognized as Brand Source Dealer of the Year at the organization’s national convention recently in Las Vegas.

Selection criteria include dedication to customer service, demonstration of leadership, participation in organization events, utilization of Brand Source business tools and programs.

Jasones Bed & Breakfast opens Jasones Bed & Breakfast and Restaurant recently hosted its grand opening. The new business is at 1414 W. Main St. in Marion, and it is owned and operated by Debbie Hayes. For more information, contact Hayes at 618-364-5128 or jasonesbb@gmail.com.

Harrah’s recognizes staff Housekeeping staff members at Harrah’s Metropolis Casino and Hotel were recognized for their outstanding contributions as Harrah’s Metropolis celebrated International Housekeeping Week from Sept. 20 to 24. The highlight of the week was the first Housekeeping-Environmental Services Challenge on Wednesday in the hotel lobby. The challenge involved a series of events similar to those seen on a television game show. The overall team winners received a trophy to display in their department until next year’s competition.

Call Pepsi MidAmerica Food Services for all of Your Vending Needs!

1-800-827-7020

FoodServices@pepsimidamerica.com

John A. Logan College Highway Construction Careers Training Program (Funded by the Illinois Department of Transportation, Administered by the Illinois Community College Board)

Do you have a valid Illinois driver’s license? Are you 18 years or older, have your high school diploma or GED and have an interest in working in the construction trades? Would you like to learn how to participate in the Highway Construction Careers Training Program?

If YES, contact us today! A Highway Construction Careers Training Program has been implemented to increase the number of minorities, women and disadvantaged individuals working on IDOT highway construction projects. The training consists of an intensive 8-week program to learn the skills necessary for acceptance into the highway construction trades and the opportunity for a career with high wage earning potential. The training includes, but is not limited to: • Math for the trades • Job readiness • Technical skills coursework • OSHA 10 certification Tentative Start Date: November 15, 2010 Contact: Mark Etters (618) 985-2828, ext. 8643 marketters@jalc.edu

JOB PLACEMENT OPPORTUNITIES: Laborers • Equipment Operators • Ironworkers • Carpenters • Cement Masons • Electricians • Pipefitters, Plumbers • Painters

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SOUTHERN BUSINESS JOURNAL

Business Fine Print PERMITS | BANKRUPTCIES

Building permits Carbondale Asgard Land Trust, 1280 N. Reed Station Road, $200,000 Houlihan’s Restaurant, 2310 Reed Station Pkwy., $60,000 Dimaggio’s Pizza, 1040 E. Walnut St., $45,000 America’s Best Inns, 1345 E. Main St., $50,000 Pearl Grammer, 603 N. Allyn St., $101,000 Harold Barkley, 303 N. Poplar St., $10,000 Kurt Schilling, 601 S. Tower Road, $5,000 William Eaton, 410 N. Springer St., $20,000 Bradley Clark, 913 N. Carico St., $300 Steven Hogan, 1003 S. Johnson Ave., $2,000 David McAuley, 917 W. Sycamore St., $2,000 Hangar 9, 511 S. Illinois Ave., $400,000

Herrin Deon McGuire, 2216 Weaver Road, $44,000 Herrin Homes, LLC, 1801 Crown Road, $80,000 Gail White, 2302 Elias Drive, $120,000 John Pisoni, 800 N. 14th St., $52,300 Jason and Joanna Ferrell, 2300 Elias Drive, $133,000 Darren Vaughn, 3213 Mustang, $150,000 Sean Wade, McVicker Drive, $175,000

Marion S-Q Carpentry, Dew Drop Lot 6, $108,000 Bittle & Dennis, Lot 7 Summer Lane, $112,500 Gordon Reynolds, 208 Wildrose Lane, $135,000 Timberline Fisheries, 201 E. Timberline, $150,000 Rick Stoncipher, 1702 Felts Drive, $220,000 Gordon Lambert, 519 S. Market St., $18,000 Bryleigh Apartments, 1400 Broeking Road, $235,000 Marion Unit 2, Mulligan Drive, $190,000

Metropolis Marcal Rope and Rigging, Inc., 5357 Industrial Park Road, $530,000 Alden Whalen, 609 E. 6th St., $0 Clifford and Lois Harvill, 620 E. 10th St., $1,500 Jesse Goines, 4122 Red Oak Road, $1,200 Robert Cohoon, 8418 Hamletsburg Road, $3,000 Joe and Kathryn Jackson, 709 E. 2nd St., $12,000 AAA Stow-A-Way Storage, 19 Pullen Road, $5,400 Frontier Communication, 12 Corporate Drive, $2,000

Janice Hadsock, 311 W. 4th St., $0 Harrah’s Entertainment Inc., 100 E. Front St., $30,000 Harrah’s Entertainment Inc., 100 E. Front St., $50,000

Tim Vhls, 1309 E. St. Louis, $18,500 Paul Moak, 711 W. 7th, $4,000 Jason Smith, 401 E. Charles, $30,000 Kinsman Interprise, 10804 Mark Twain, $320,000

Mount Vernon

Bankruptcies

Marshall Daniels, 14 Sassafras, $30,000 Ford Larsen, 1904 15th St., $15,000 MVFD Local 738, 1100 Main, $0 Crossroads Hospital, 8 Doctor’s Park, $62,000 American Tower Corp., 1900 8th St., $25,000 Jerry Jones, 7 Circle Drive, $2,000 Oak Grove Village, 25 Cottonwood, $6,700 Oak Grove Village, 56 Pecan, $6,700 Oak Grove Village, 24 Cottonwood, $6,700 Oak Grove Village, 178 Aspen, $6,700 Oak Grove Village, 149 Juniper, $6,700 Oak Grove Village, 60 Pecan, $6,700 Oak Grove Village, 40 Beech, $6,700 Gary and Anita Hewerdine, 1228 Welkins, $21,000 Clara Thomas, 14093 Parkland Lane, $7,500 Virginia and Lydel Hudgens, 1514 Triangle, $7,000 Family Life Assembly of God, 2901 Veterans Memorial. Drive, $0 Fred Barker/Robert Kennedy, 334 4th St., $0 Gary Stover, 228 19th St., $0 Chris Michel, 700 7th St., $0 West Salem Trinity Church, 4212 Broadway, $0 Jack Weems, 311 Castleton, $1,300 Granada, 109 9th St., $1,000 Oak Grove Village, 229 Cottonwood, $9,000 Bob Troutt Memorial Foundation, $9,000 Rollie Excavating, 711 Bell, $0 Rollie Excavating, 231 Opdyke, $0 Rollie Excavating, 223 Opdyke, $0 Rollie Excavating, 1023 Welkins, $0 Rollie Excavating, 430 18th St., $0 Rollie Excavating, 905 22nd St., $0 Rollie Excavating, 1411 12th St., $0 Rollie Excavating, 517 21st St., $0 Joyce Hubbard, 503 Liebengood, $926 Dunham’s, 3917 Broadway, $600,000 Dollar Tree, 4511 Broadway, $0 Pizza Hut, 3519 Broadway, $600,000 Corinthian Baptist Church, 1026 Newby, $429,000 Oak Grove Village, 227 Cottonwood, $6,700

Chapter 7

West Frankfort Chad Downs, 906 S. Monroe, $20,000 Ed Smothers, 6075 S. Binkley, $10,000 Terri Minton, 402 E. 5th St., $56,000 Jeff Morris, 1910 E. Cleveland, $10,000 Crosswalk Community, 409 W. Oak, $28,129

Brian Wright and Karen Wright, RR1, Box 111, Herod DLS Trucking Enterprises Inc., 2293 Doran Road, Creal Springs Rober t Campbell and Ladonna Campbell, 11194 Shadow St., Marion Jonathan McPherson, 1317 Salem Road, Apt. 31, Mount Vernon Richad Luh, 15 S. Hickory St., Du Quoin Christine Sherrill, P.O. Box 82, Carbondale Lori Zimmerman, 1 Antler Cour t, Apt. B, Makanda Scott Schroeder and Donna Schroeder, 1421 Swanwick St., Chester James Andros, 1516 Pace Ave., Mount Vernon Yogeshkumar Patel and Smitaben Patel, 107 Greg Lane, Carbondale Everett Young and Roberta Young, Route 1, Box 74, Rinard Judith Doxsie, 707 N. Eighth St., Benton Justin Rich, 607 Fifth St., West Frankfort David Stone and Leah Stone, 11310 Norman Road, Marion Charles Houseworth and Regina Houseworth, 949 N. Poole Lane, Ewing John Vaughn, 1025 S. Webster St., Harrisburg Rebecca Donelson, 1244 Midway Court, Marion Robert Donelson, 1244 Midway Court, Marion Sarah McGee, 323 E. Sixth St., Mount Carmel Joseph Graziano, P.O. Box 346, Johnston City Michael Moss, 1001 N. State St., Marion John Vaughn and Sandra Vaughn, 918 S. 22nd St., Herrin Debbie Seibert, 1812 Highland View, Mount Vernon James Shumway, 1024 Henry St., Chester Christina Kelton, 603 Madison St., Eldorado Rober t Lickteig and Mar y Lickteig, 4260 Heritage Ave., Apt 218, Mount Vernon Mary Lickteig, 4260 Heritage Ave., Apt. 218, Mount Vernon Peter Hubbard and Tina Hubbard, P.O. Box 183, Coulterville Donald Brown and Kelli Brown, 3412 Nature Trail Lane, Mount Vernon Hazel Williamson, P.O. Box 433, Dowell Angela Sullivan, 400 S. Captial St., Harrisburg Timothy Monroe, 407 S. Welver St., Ridgway Patrick Edwards, 1912 Brown Place,

Murphysboro Susanna Gaertner, 774 Cedar St., Chester Adam Feig and Kristen Feig, P.O. Box 14, Irvington Trudy Dixon, 1525 N. Franklin Drive, Benton Bambi Stearns, 209 Ferne Clyffe St., Goreville Shirley Murrie, 22 W. College St., Harrisburg Harry Woodney, P.O. Box 163, Tamms Phyllis Etherton, Route 2, Box 92, Golconda Margaret Chancey, 706 W. Raymond St., Harrisburg Gregory Coomes, 260 W. Third St., Bonnie Kay Holt, 3005 W. Broad St., Jonesboro Richard Logsdon, P.O. 183, Sesser Cecil Jacobs, P.O. Box 245, De Soto Julie Birchfield, 13279 Macedonia Road, Macedonia Rachael Willis, 321 E. Locust St., Harrisburg James Charles and Nancy Charles, 195 Fair City Road, Jonesboro Dennis Docherty, 6289 Second St., Benton Jason Casper and Shasta Casper, P.O. Box 27, Mound City Brandy Meadows, 945 Mount Mission Road, Metropolis Larry Powers and Jessica Powers, 206 W. Cherry St., McLeansboro John Willingham and Michael Willingham, 525 W. Sixth St., Mount Carmel Wilma Lott, 1709 Metropolis St., Metropolis Kevin Phillips, 373 County Road, 950 N. Norris City Marcia Fielden, 126 S. Graham St., Wheatfield, Ind. Randall Bittle and Lynn Bittle, 12762 Greenbriar Road, Carterville Gerald Henderson, 134 W. Second St., New Burnside Chanserey Chou, 802 Vinewood Lane, Marion Milton and Misty Dishman, 185 Triple S. Road, Harrisburg Keith Ratliff, 45 Maple St., Muddy Weldon Rorer and Carol Rorer, RR1, Box 24, Golconda Christina Baird, P.O. Box, 237, Harrisburg Babe Hoover, P.O. Box 157, Carterville Betty Cross, 711 N. Carico St., Carbondale Jason Weidner, 16608 Heartherbrook Lane, Marion Timothy Brashear and Carolyn Brashear, 201 Washington St., Geff Mark Hendershot and Susan Hendershot, 703 Harrison St., Chester Everett Freeman and Brenda Freeman, 931 S. County Line Road, Carbondale SEE FINE PRINT / PAGE 23

NOVEMBER 2010

SOUTHERN BUSINESS JOURNAL

Mark Your Calendar EV E N TS

Nov. 16

Beginning Access 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Advanced Access 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 2

Nov. 17

Beginning Access 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Advanced Excel 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 3 Beginning Excel 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 5 Beginning QuickBooks 2009: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 18 Time & Stress Management: 8:30 a.m. to 4 p.m., Room F109, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $90. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu. Starting a Small Business Workshop: 1 to 3 p.m., Cairo Public Library, 1609 Washington Ave., Cairo. Free. Call 618-634-3254 or e-mail gabrielef@shawneecc.edu.

Nov. 19 Nov. 8 Intermediate Publisher 2007: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Intermediate QuickBooks 2009: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or email cbi@jalc.edu.

Nov. 22 Nov. 9 Intermediate Access 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Beginning Excel 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 23 Intermediate Excel 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext. 8510 or e-mail cbi@jalc.edu. Starting a Business in Illinois Seminar: 6 to 8 p.m., Murphysboro Township Board Room. Free. An optional business start-up kit is available for $15. Call 618-536-2424 or e-mail sbdc@siu.edu.

Advanced Access 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext. 8510 or e-mail cbi@jalc.edu. Intermediate Publisher 2003: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 15

Nov. 30

Intermediate Access 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Visio 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-9852828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 10

Business Fine Print

M E E T I N G S

Nov. 1

PERMITS | BANKRUPTCIES Ruth Benson, 715 E. Cowling Ave., Bonnie Kevin Jennings and Donna Jennings, 57 Colonial Lane, Grantsburg Richard Crawford and Lindsay Crawford, 206 Oak Drive, Metropolis Mary Bagley, 11747 Kelly Road, Coulterville James Halpin, 605 E. Lindell St., West Frankfort Dallas Finney, 4213 Cumberland Pike, Apt. 3, Mount Vernon Jerry Peeler, 9735 Old Highway 1, Murphysboro Mary Peller, 48 Wood Road, Murphysboro Timothy Hall, 802 N. Ninth St., Mount Vernon Tracey Hopkins, 105 Haleigh Drive, Energy Lanita Crawford, 1508A Cornerstone Court, Marion Gregory Jack, 301 N. 12th St., Herrin Kimberly Mick, 9182 E. Illinois 15, Mount Vernon Jessica Stover, 508 N. Park St., McLeansboro Doyle Bradley and Connie Bradley, 211 Cedar St., Mount Carmel Brad Williams and Jaclyn Williams, 108 N. Eighth St., Herrin Jacob Frick and Jennifer Frick, 13341 N. Panzier Lane, Woodlawn

Chapter 13 Dorice Gursky, 601 N. Logan St., Marion John Farrell and Linda Farrell, 1206 N. Mayer Caliper St., Carterville Gerald Dunn, 84 Dunn Lane, Carbondale Donald Sollers, 2293 Doran Road, Creal Springs David Garnett and Shari Garnett, 602 Cedar Creek Road, Makanda Sandra Hall, 18222 E. Fork Road, West Frankfort Kristilyn Orr, 510 Prosperity St., Carterville Aaron Plott and Tia Plott, P.O. Box 504, Anna Lauren Kribley, 2021 Brownsville Road, Mount Vernon Rober t Oetjen and Cynthia Oetjen, 151 Hoffman Road, Murphysboro John Snell, P.O. Box 363, Dongola Karri Snell, 105 Maple St., Zeigler Jeffrey Gesinger, 3005 Allen Road, Buncombe Mar tha Unthank, 1800 Glenwood Ave., Eldorado Christopher Follmer and Janese Follmer, RR 5, Box 247, McLeansboro Sandra Stanhouse, 729 Terrace Drive, Du Quoin Sterling Tompkins, 151 Hemlock Lane, Villa Ridge Jay Rossi, 163 Parkwood Road, Carbondale Jamie Mayberry, 407 E. Dayton Ave., Harrisburg Carl Kilman and Loretta Kilman, 7135 Kilman Road, Carbondale DeSande R., 513 W. Oak St., Carbondale

Kathryn Prusacki, 339 W. Second North St., Tamaroa William Baggett, 190 Makanda Road, Makanda Ariel Choate, 1212 E. Boyton St., Marion Dale Dodson and Talina Dodson, 32739 Main St., Tamms Danielle Castellano, 509 E. Boulevard, apt. a, Marion Lesa Shelton, 304 S. 15th St., Murphysboro Robert Ramsey and Laura Ramsey, 408 E. College St., Marion Sandra Deming, 1005 S. 11th St., Herrin Betty Bennett, 631 W. Barnett St., Harrisburg Damon Morris and April Morris, 101 E. Lincoln St., Harrisburg Travis Stuart and Michelle Stuart, 721 W. 21 St., Herrin Amy Turner, 1300 Marion St., Carterville Mindy Staats, P.O. Box 88, Ina Madeline Miller, 1 Alexander Road, Carbondale Elan Hogue, 4222 Rose Lane, apt. 11, Mount Vernon Ronald Dunlap and Cheryl Dunlap, 865 Rolling Hills Road, Karnak Curtis Frey, P.O. Box 564, Marion Kathy Karnes, 1114 S. Holland St., Harrisburg Kevin Parker and Amber Parker, 14960 Lighthouse Road, Pittsburg William Shepard and Tammetha Shepard, 410 N. Buchanan St., Benton Richard Kiger, 503 North Main St., Royalton Joshua Ticer, 120 N. 37 th St., Herrin Richard Linton and Barbara Linton, 11237 Heritage Lane, Benton Jon Boren, 5572 Orient Blacktop, Benton Carolyn Marshall, P.O. Box 323, Olmsted Douglas Cowan and Tina Cowan, P.O. Box 316, Ava Jeffrey Hastings, 547 S. 17th St., Murphysboro Tonya Reynolds, 1801 Franklin Ave., Mount Vernon Anna Connell, 313 N. Douglas St., West Frankfort Tonya Stewart, 1801 Franklin Ave., Mount Vernon Marvin Mize and Teressa Mize, P.O. Box 7, Orient Kimberly Knowlton, 7221 N. Cherryville Lane, Waltonville Patricia Hertz, 1450 Mount Hebron Road, Makanda Donna Montgomery, P.O. Box 15, Johnston City Darla Hargett, 21750 Shawneetown Road, Thompsonville Merle Garrison, 700 S. Duncan, Marion

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