SBJ - November 2012 by The Southern Illinoisan

NOVEMBER 2012

Directory of Advertisers

Inside N OV E M B E R

WORKPLACE Offering support, guidance: Remembering the people who helped you on the career path can be the key in finding the motivation to mentor the future leaders of tomorrow. They need our guidance and support, just as we did in climbing the career ladder. We cannot expect the younger generation just to know what to do and become involved. Page 6

MONEY MATTERS Plan and take action: We all know that if you are failing to plan, you may as well be planning to fail. But it takes more than planning and knowledge to ensure wealth is successfully passed from generation to generation. Learning what to do and then taking appropriate action is the key to preserving accumulated assets. Page 7

INDICATORS Finally, some good news: When the most-recent unemployment numbers were released in early September, there was good news across the

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region. The jobless rate fell in all 18 counties of Southern Illinois in August, with drops of 1.6 percent in Alexander County and 1.2 percent in Massac County leading the way. There also were some bright spots in new vehicle and home sales, and gasoline prices finally dropped below $3.50 per gallon. Pages 12-13

1st Bank & Trust of Murphysboro ........19

Bill Ecker, State Farm Insurance.......... 17

Datalock .......................................... 15

Fast Truck and Trailer Service .............. 22

ACHIEVEMENTS Who is 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 â&#x20AC;&#x2DC;Faces in the Newsâ&#x20AC;&#x2122; collection of business portraits and learn more of achievements and honors in regional businesses. If you know of a business or businessperson who deserves special recognition for advanced training, a unique honor or a business expansion, please let us know at sbj@thesouthern.com. Pages 16-20

Illinois Small Business Development .. 20

John A. Logan College ........................ 24

Leading Lawyers .................................. 5

Pepsi MidAmerica ........................ 17, 22

ON THE COVER Photo by Stephen Rickerl / The Southern

SIU Credit Union ................................ 10

Small Business Growth Corp .............. 20

Publisher: Bob Williams 618-351-5038

Southern Illinois Healthcare.................. 3

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 2011 by

Editor: Gary Metro 618-351-5033 Advertising: Mark Dynis 618-351-5815

Williamson County Airport .................. 17 Online: JC Dart 618-529-5454, ext. 5183

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

Database Coordinator: Mark Doman 618-351-5042

Find more business news at www.sbj.biz.

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2012

Cover Story Encouraging signs seen in Southern Illinois housing market BY LES O’DELL SBJ CORRESPONDENT

Perhaps there is no better barometer for the strength, or weakness, of the economy in Southern Illinois than the housing market. And, as a fluctuation in the reading on a barometer can signal a change in the weather, so too can shifts in the sale of homes point to coming trends in the overall economy. As such, some local real estate experts say there may be a ray of hope shining on the economy because the sale of homes in Southern Illinois is beginning to tick upward. “There is a sense of optimism that we’re feeling,” says Richard Davis, managing broker of Century 21 House of Realty in Carterville. “We’re up over last year, and the market seems to be moving in the right direction.” Statistics reported by the Illinois Association of Realtors support Davis’ feelings. Home sales in the 16 Southern Illinois counties were up nearly 19 percent in the second quarter of 2012 over the same quarter in 2011. “If we look at the trend that we’ve observed over the last several months, I think people have decided that this is a good time to re-enter the market,” says Geoffrey Hewings, director of the Regional Economics Applications Laboratory at the University of Illinois. “People now are thinking about upgrading, and they’re seeing that prices are not going down any more. Going into next spring, I think we’ll see some positive movement in the housing market.”

Location, location, location? Growth isn’t being seen everywhere in the region, however. Some real estate agents say they are not yet seeing much movement. Broker Art Ashbrook of Arthur Insurance and Realty in Sparta says people in his area are beginning to at least “test” the market. “In our area, the market really hasn’t changed much in the last two years,” he points out. “More people are starting to look, but I wouldn’t say that sales have begun to increase.”

THE SOUTHERN FILE PHOTO

‘There is a sense of optimism that we’re feeling,’ says Richard Davis, managing broker of Century 21 House of Realty in Carterville. ‘We’re up over last year, and the market seems to be moving in the right direction.’

Clay Fuhrhop, managing broker at Tri-County Realty in Ava, agrees. “It’s been pretty even for us over the past several years. Really just steady,” he says. Fuhrhop says a tightening credit market may be keeping some prospective homebuyers on the sidelines. “Money seems to be a little harder to get now than it was a year or two ago,” he says. “If a person’s credit is good, they can still get it, but things are just tighter.” Tom Cox, owner of Coldwell Banker Associated Realtors in Mount Vernon, says he’s not seen much movement in the number of homes selling this year compared to 2011, but, he adds, both years have been better than 2010. Other agents, however, side with Davis’ perception that more homes are beginning to change hands.

“We’re up a little bit compared to a year or two ago,” says Teresa Camarato of Property with TLC in Herrin. “I think we’ve just about hit the bottom. Prices seem to be stabilizing, too.” Gary Brandon of Mid America Mortgage Services in Carterville says he’s seen more prospective buyers looking for mortgages. In fact, he says the new-purchase side of his business is up 20 to 25 percent over last year, complimenting a continued strong market for refinancing, driven by near record-low home mortgage interest rates.

Jobs, schools drive sales Some pockets of the region seem to be doing better than average in terms of home sales. Williamson and Union counties showed significant increase between April and July of this year

compared to the same time frame in 2011. “My feeling is that Williamson County is a very strong market,” Davis says. “The county has been the benefactor of good days. The interstate drives commerce, and Carterville is a strong school district to many people.” Fuhrhop says the communities where more homes are selling tend to be those with school districts with good reputations. He adds that having expanding businesses in an area also drives home sales. “We’re doing well around Campbell Hill,” he says. “There are new coal mines and new jobs there.” Cox says that growing and new businesses also are behind the increase in home sales in Jefferson County. “We’re poised for a growth spurt in Mount Vernon. It’s estimated that we’re going to need 300 new homes here in the

NOVEMBER 2012 Find more business news at www.sbj.biz. next five years,” he says. New houses are going up across the region, too, says Charlie Sharpe, secretary-treasurer for the Marionbased New Horizons Homes. He says his company has built new homes in many Southern Illinois counties, including Johnson, Union and Williamson. “There’s definitely an upswing in new home construction,” he says. “For us, I’d say it’s been 25 to 33 percent higher.”

Part of a national trend It appears to be a national trend. Data recently released by the U.S. Department of Commerce said that the number of new home starts in September was the highest in the past four years. The figure was 11 percent higher than August’s total. Sharpe says the size and value of the homes built this year has been as diverse as the communities where those homes have been built. “They’ve not been just $300,000 houses, nor are they just $140,000 houses,” he adds. “They seem to be homes running the entire gamut.” Sales of existing homes tend to be toward the lower and middle ranges, agents report. “More houses are selling at the $60,000 to $90,000 mark; it’s not the high-end homes that are selling,” Ashbrook says of recent sales in Randolph County. Cox says the Jefferson County market is strong, especially for homes between $75,000 and $150,000, and Davis says that homes in Jackson and Williamson counties tend to sell if they’re priced in the $110,000 to $170,000 range. “That’s where the activity is,” he says. “Get above $170,000 and you begin to see more custom-built homes, and they’re a little tougher to sell.” Camarato says that homes priced up to $200,000 are selling faster than more expensive homes, but even those on the market at a higher price are beginning to move. “There almost needs to be more upper-end homes in some communities,” she says. “I think that we’re beginning to see more people looking than there are available homes at every level. That’s a good sign.” LES O’DELL of Carbondale is a regular contributor to Southern Business Journal and The Southern Illinoisan.

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2012

Workplace Who are you mentoring today? BY ANGELA HOLMES-YOUNG SBJ CONTRIBUTOR

Take a look at where you started and where you are today. Have you come a long way, baby? Maybe you are still working on that climb. Either way, I venture to guess that there is Holmes-Young someone in your life who has been a support for you in some way. In fact, I think that we all have someone in our past who we can credit when we look at where we are today. This subject has been arising more frequently in conversations with my colleagues. Today, I was at a board meeting for Marion Area Chamber of Commerce. Our chairwoman, Mary Jo McCurdy, brought up how easy it is to forget that each of us sitting around that table probably had someone who “held our hand” and brought us to our first chamber meeting or got us involved. Almost immediately, we all started commenting on the importance that individual guidance and mentoring plays in today’s business community. We continued to discuss the fact that the future leaders of tomorrow need our guidance and support. We cannot expect the younger generation just to know what to do and become involved. Personally, I am lucky enough to have had many mentors in my career. Many wonderful bosses have shaped my career and my professional life. I always have tried to learn from each leader that I worked for and always tried to take something from each and every situation. I credit my very first boss in Southern Illinois, though, as being my true professional mentor. She truly guided me and took me under her wing. She was an informal mentor because she mentored me not because of requirements or because she was forced to. She entered into the mentoring relationship because she knew there were not only benefits for the organization, but also long-term benefits for me. She fostered not only a

sense of professionalism, but of hard work and knowledge. MentorScout.com lists the benefits of having an organizational mentoring program as such: Onboarding Employee satisfaction Employee retention Employee productivity Career growth and succession planning Reduce frustration Knowledge management and knowledge retention Quality Synergy Some companies have formal mentoring programs that match mentors with protégés. As has been my experience, and if you are lucky, a person may just take you under his or her wing and decide to guide you through the profession and/or the organization. In my case, my mentor guided me through the organization and also encouraged me to become involved in our local human resource association, for which I have been president for several years running. Formal mentorship programs are very beneficial for all involved. Granted, mentoring can take up a significant amount of time. There are, however, many rewards that make it all worthwhile. There are many reasons that mentors become mentors. Different types of mentoring exist and may be a better fit in your organization. Once you have determined the goal of your mentoring program, you can identify the kind of mentor which best fits your program. The United States Office of Personnel Management identifies four types of mentors in its report, “Best Practices: Mentoring.” Career guide: Promotes development through career guidance, counseling and visibility; Information source: Provides information about formal and informal expectations; Friend: Interacts with the protégé socially and provides information about people; and Intellectual guide: Promotes an equal relationship, collaborates on research projects and provides constructive

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Mentoring can take up a significant amount of time. There are, however, many rewards that make it all worthwhile. There are many reasons that mentors become mentors.

feedback and criticism. In my graduate research, I studied the mentor/protégé relationship and its possible impact on the future potential success of the protégé. In summary, I found that those professionals with mentors in their lives, whether it was personal or professional, felt that their success was due in part to this mentoring relationship. Many of my current colleagues today see mentoring others as a responsibility and as a way that they can give back to the community. However, I caution you not to commit to mentoring someone unless you truly have the time to be there for your protégé. You can feel free to create a professional relationship with your mentor that works for you. Maybe you decide to meet for dinner once per month. Maybe you meet up at the gym or have structured planning meetings in the boardroom. There are no wrong answers. It might be best to start with an informal mentoring situation. Is there someone in your organization who you can see has true potential for leadership and growth? Do you feel that you can provide guidance to this person on a

professional level? Do you have time to do this with your already busy schedule? Will you be doing this for the right reasons — personal and professional growth for the protégé and the organization without expecting anything in return? If you can honestly answer yes to these questions, then you are ready to begin down a path to mentoring. I would like to thank my mother for recommending the book, “Outliers,” by Malcolm Gladwell. This book is a fascinating read. Gladwell examines what makes successful people different. If your interest lies in cultural differences, education or psychology, or if you just want to read a really great non-fiction book, then this is for you. ANGELA HOLMES-YOUNG is vice president of Consulting & Human Resource Services for Your Professional Partners, Inc. in Marion. She consults with clients of all sizes in a variety of human resource areas, while also offering executive coaching and public speaking. She can be reached at angela@yourprofessionalpartners.com, 618-969-8800 and on Twitter: A_Holmes_Young.

NOVEMBER 2012

SOUTHERN BUSINESS JOURNAL

Money Matters Major risks to family wealth: Will your accumulated assets be threatened by them? BY SCOTT MCCLATCHEY SBJ CONTRIBUTOR

All too often, family wealth fails to last. One generation builds a business, or even a fortune, and it is lost in ensuing decades. Why does it happen, again and again? It is because McClatchey families fall prey to serious money blunders — old and new. Classic mistakes are made, and changing times aren’t recognized. Procrastination: This isn’t simply a matter of failing to plan, but also of failing to respond to acknowledged financial weaknesses. For example, let’s say we have a multimillionaire named Alan. Alan gets a call one afternoon from his bank, which considers him a VIP. It turns out that his six-figure savings account lacks a designated beneficiary. He thanks the caller, and says he will come in soon to take care of that, but he never does. His schedule is busy, and the detour is always inconvenient. While Alan knows about this financial flaw, knowledge is one thing and action is another. Sadly, procrastination wins out in the end and those assets end up subject to probate. Then, his heirs find out about other lingering financial matters that should have been taken care of regarding his IRA, his real estate holdings and more. Minimal or absent estate planning: Forbes notes that 55 percent of Americans lack wills; and, every year, multimillionaires die without them — not just rock stars and actors, but also small business owners and entrepreneurs. Others opt for a living trust and a pour-over will, or just a basic will created online. This may not be enough. Anyone reliant on a will risks handing the destiny of their wealth over to a probate judge. The multimillionaire who has a child with special needs, a family history of

Find more business news at www.sbj.biz. Alzheimer’s or Parkinson’s, or a former spouse or estranged children may need more rigorous estate planning. The same is true if he or she wants to endow charities or give grandkids a nice start in life. Is this person a business owner? That factor alone calls for coordinated estate and succession planning. A finely crafted estate plan has the potential to perpetuate and enhance family wealth for decades, perhaps generations. Without it, heirs may have to deal with probate and a painful opportunity cost: the lost potential for tax-advantaged growth and compounding of those assets. The lack of a family office: Years ago, wealthy families sometimes chose to assign financial management to professionals. The family mansion boasted an office where those professionals worked closely with the family. While the traditional family office has disappeared, the concept is as relevant as ever. Today, wealth management firms consult families, provide reports and assist in decision making in an ongoing relationship with personal and responsive service. This is a wise choice when your financial picture becomes too complex to address on your own. Technological flaws: Hackers can hijack email accounts and send phony messages to banks, brokerages and financial advisors greenlighting asset transfers. Social media can help you build your business, but it can also lend personal information to identity thieves who want access to digital and tangible assets. Sometimes a business or family installs a security system that proves problematic, so much so that it may even be turned off half the time. Unscrupulous people have ways of learning about that. Maybe they are only one or two degrees separated from you. No long-term strategy in place: When a family wants to sustain wealth for decades

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A finely crafted estate plan has the potential to perpetuate and enhance family wealth for decades, perhaps generations.

to come, heirs have to understand the how and why. All family members have to be on the same page, or at least read that page. If family communication about wealth tends to be more opaque than transparent, the mechanics and purpose of the strategy may never be adequately conveyed to heirs. No decision-making process: In the typical high net worth family, financial decision making is vertical and top-down. Parents or grandparents may make a decision in private, and it may be years before heirs learn about it or fully understand it. When the heirs do become decision makers, it is usually upon the death of the elders — only now the heirs are in their 40s or 50s, with current and former spouses and perhaps children of their own to make family wealth decisions more trying. Horizontal decision making can help multiple generations understand and participate in the guidance of family

wealth. Estate and succession planning professionals can help a family make these decisions with an awareness of different communication styles. In-depth conversations are essential; good estate planners recognize that silence does not necessarily mean agreement. You may plan to reduce these risks (and others) in collaboration with financial and legal professionals who focus on estate planning and wealth transfer issues. It is never too early to begin. SCOTT MCCLATCHEY is a certified financial planner with Alliance Investment Planning Group, a Carbondale investment firm at 115 S. Washington St. He can be reached at 618519-9344 or scott@allianceinvestment planning.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.

NOVEMBER 2012

SOUTHERN BUSINESS JOURNAL

Business Success Family offices face heightened scrutiny BY MICHAEL MORGAN SBJ CONTRIBUTOR

For generations, many families that accumulate substantial wealth set up offices to privately manage financial and other matters that require professional service. These Morgan family offices usually operate quietly, in the background, while frequently having a substantial role in their communities’ civic, charitable and investment activities. But, the federal Dodd-Frank Wall Street Reform and Consumer Protection Act has created a new legal concern for the age-old family office that can impact privacy by requiring registration as investment advisers with the Securities Exchange Commission or state securities commissioners. Two forces are behind Dodd-Frank’s heightened scrutiny of the family office. First, hedge funds and private equity firms had long been operating in private, due to exemptions from the Investment Advisers Act. Congress decided more disclosure about their operations was necessary. Second, Bernard Madoff’s fraud as an investment advisor created an outcry for closer scrutiny of the profession. Dodd-Frank eliminated an exemption from regulation that many advisers and funds had relied upon. As a result, thousands of firms are now registering, or at least making informational filings, with the SEC or state agencies. As an investment advisor to families, a family office can be swept up in the same change, depending on how it complies with Dodd-Frank’s Family Office Rule, which was created as a new exemption from federal and state regulation. As with many of the Dodd-Frank provisions, the Family Office Rule specifics were left to the SEC to create, following its exemption guidelines already in place prior to Dodd-Frank’s enactment. But, it is fair to say that the

SEC is not favorably disposed to this rule, which limits what was otherwise a huge expansion of its authority. As a result, the agency created a rule that is both narrow and hard to follow. And many family offices, not wishing to navigate the rule, are giving up their investment advisory functions entirely. Why do family offices want to avoid registering as investment advisers? In a word — privacy. Registration requires disclosure of many details about operations of the office and generally will subject the office to audit by federal or state securities regulators. Many families guard their privacy zealously. The last thing they want is regulators examining their activities. The uncertainty has created an odd convergence on the family office. Many hedge funds and private equity firms, most famously the office of billionaire George Soros, do not want to open their operations to SEC scrutiny and have shed their outside investors in order to become family offices. And, many traditional family offices have had to restructure, or at least tailor, their operations to stay within the terms of the new rule. The basics of the Family Office Rule are, on the surface, simple: The office may only provide advice to family members, and members of a single family, although the SEC permits the office to involve several generations of the same family. The family must be in control and the only owner of the family office. The office may not hold itself out to the public as an investment adviser. The devil is in the details, of course. One of the most controversial requirements is the very strict one — family rule. Under the rule, multi-family offices will have to either register or abandon investment advisory services. But, consider that as families grow and move through generations, single-family offices may expand. The people whose assets are managed can ultimately be well outside the SEC definition of the single family, such as more distant relatives, family employees, in-laws, divorced spouses of family members, trusts that benefit non-family members

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Why do family offices want to avoid registering as investment advisers? In a word — privacy.

Find more business news at www.sbj.biz. and, especially, charities. And, many times, offices result from the sale of a business, where there are two or more owners, who have always been comfortable managing their affairs together. They may even have legal or tax reasons to coordinate their investments after the business is sold. Keeping their investment activity private and in a single office will be a challenge under the rule. Consider a recent no-action letter request to the SEC. A no-action letter requests that the SEC not take enforcement action if a certain transaction or structure is put in place. A gentleman with more than 40 years in the securities industry was retiring from his firm and proposed to provide investment advisory services as a key employee of up to 10 separate family offices, each one organized separately by a previous client. He would not have discretionary authority over or custody

of any clients’ investments. The SEC denied his no-action request on the basis that his letter did not explain “how the proposed arrangement would not create a multi-family office.” There may be ways to restructure the gentleman’s proposal in order to navigate the rule, but the case illustrates the lengths to which the SEC will stretch the multi-family problem. And, this is not the only area of uncertainty. As reflected in the SEC’s Family Office Q&A, http://www.sec.gov/divisions/ investment/guidance/familyofficefaq. htm, many offices and their lawyers are trying to understand who is a client, what is compensation, what are investments they can manage, and a host of other new issues. MICHAEL MORGAN practices in the areas of securities, commercial contracts, mergers and acquisitions, general business and international law for the St. Louis law firm of Greensfelder, Hemker and Gale, P.C., which serves Illinois businesses with offices in Belleville and Chicago.

NOVEMBER 2012

SOUTHERN BUSINESS JOURNAL

Elder Law Presidential candidates and long-term care: Not much being said about vital topic BY RICHARD HABIGER SBJ CONTRIBUTOR

Neither the Republican nor the Democrat presidential candidate is talking about long-term care or, more specifically, how we as individuals and as a society are Habiger going to pay for the long-term care of ourselves, our loved ones and our aging Boomers. However, this does not mean the plans of the two major candidates will not have a significant impact on the way most Americans pay for nursing home and other long-term care. First, we all need to clearly understand that neither Medicare nor Obamacare cover the cost of long-term care. Medicare: While Medicare does provide coverage for short-term rehabilitation in a skilled care facility, there is no coverage for long-term care in a nursing home. For short-term care, coverage is limited to a maximum of only 100 days. After that, you are on your own. In fact, most individuals do not receive the full 100 days of coverage; the average is only 27.3 days. Obamacare: The CLASS Act was President Obama’s opening salvo to reform the nation’s health care delivery and financing systems. It was a longterm care insurance plan, which would have provided some very limited coverage for long-term care for those who opted-in to the program. While it was a key component of the president’s efforts to overhaul the nation’s health care laws, it became the first casualty in the political and policy wars over the nation’s health care laws, due to questions regarding its financial solvency. The National Council on Aging published a white page citing eight reasons why the presidential candidates

ought to be talking about long-term care: Twelve million Americans currently need long-term care. As the population ages, the number of persons needing long-term care will double to 27 million. Most are not prepared for the high cost of long-term care. Private longterm care insurance is unaffordable for many and most cannot qualify medically. Medicaid is the primary funding stream for long-term care, but federal and state funding for long-term care is limited. Nursing home care is not the answer. Most persons want to receive care at home. Yet, the system is designed to favor, and most of the funding goes for, care in a nursing home. Due to a lack of adequate funding, waiting lists for home and community care services have doubled. As a result, many never receive the care that might have kept them out of a nursing home at much greater expense. There are 65.7 million family caregivers, but the burden of providing this unpaid care imposes significant detriments to the caregivers’ own health and risks to their own retirement years. It also imposes economic consequences to businesses in terms of lost productivity and higher health care costs. There is a shortage of health care workers, and the quality of care provided by the over-worked and under-paid workers often leaves much to be desired. (http://www.ncoa.org/public-policyaction/policy-news/8-reason-thepresidential.html.) President Obama’s re-election website contains a short paragraph about the CLASS Act, which as noted previously was withdrawn due to questions about its financial solvency. Inclusion of the paragraph on the website, however, may indicate that the president has not given up on the dream of developing a program that would help

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Neither President Barack Obama, left, and Republican presidential nominee Mitt Romney is talking about long-term care.

individuals to plan and pay for their own long-term care. On one hand, one could assume that the paragraph is nothing more than a bullet point on a resume to trumpet to the electorate, and that neither Obama nor the Democrats have any intention of addressing long-term care, so long as the fight over the implementation of Obamacare continues. On the other hand, the Center for Medicare Advocacy states that the Romney/Ryan/Republican plan would cause an “immediate and devastating” impact on the overwhelming majority of persons who live in nursing homes. The center reports that more than twothirds of the 1.5 million persons who reside in a nursing home rely on Medicaid to help pay for their care, and opine that the Romney/Ryan/ Republican plan “would unwind Medicaid, leaving nearly a million people without a secure source of funding for their care.” Moreover, the center states the Romney/Ryan/Republican plan would: Make adult children responsible for their parents’ nursing home care. Allow nursing homes to force families to supplement, out of their own personal funds, the payments nursing

homes receive from the government. Allow states to place liens on homes and force foreclosure of the liens, depriving the spouse of the nursing home resident (and their disabled children, if any) of the home and other assets on which they depend. Remove spousal protections and return the nation to the period before 1987, when couples were required to spend all of their income and assets on care for the spouses in the nursing home, leaving the spouses at home with, literally, no income at all. Overturn President Reagan’s Nursing Home Reform Law that sets the standard of care that facilities must meet, plunging us back into the dark ages of long-term care. (http://www.medicareadvocacy.org/ 2012/08/30/how-the-ryan-budgetand-republican-platform-would-hurtcurrent-nursing-home-residents/.) 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. He can be reached at 618-549-4529 or info@habigerelderlaw.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 Aug 2012

2011

2010

2009

2008

2007

74.4 55.0 355.8 24.5 34.5 77.7 134.0 98.4 7.9 441.9 50.5 325.5 82.4 76.1 24.9 46.9 76.6 24.6 56.9 30.2 $2,098.7 $98,688.8

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 $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

N I L L I Chicago Fed Midwest % change 07-11 Manufacturing Index

6.1% 19.3% 2.3% 4.2% 7.7% 20.2% 23.3% 15.6% 0.9% 3.7% 5.8% 15.6% 42.5% 4.8% 18.2% 1.4% 1.0% 0.8% 6.6% 10.0% 8.2% 14.2%

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

2,920 17,454 2,624 4,139 1,757 30,566 19,592 4,997 7,549 9,516 1,863 2,578 15,153 12,507 7,521 8,458 7,641 33,898 190,733 6,576,581 155,255,000

340 2,153 230 356 198 2,563 1,779 539 686 1,106 203 294 1,365 1,186 847 655 648 3,077 18,225 587,054 12,696,000

104 103 102

IPMFG Aug 12 95.3

100 98 94 90 88 86 84

81 80

Unemployment rates for Southern Illinois counties, state and nation Jobless

105

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

Labor force

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

Aug 2012

July 2012

Aug 2011

11.6% 12.3% 8.8% 8.6% 11.3% 8.4% 9.1% 10.8% 9.1% 11.6% 10.9% 11.4% 9.0% 9.5% 11.3% 7.7% 8.5% 9.1% 9.6% 8.9% 8.2%

13.2% 12.4% 9.4% 9.3% 11.9% 9.1% 9.3% 11.3% 10.3% 12.0% 11.3% 12.3% 9.5% 10.0% 12.0% 8.1% 8.8% 9.4% 10.5% 9.3% 8.6%

15.6% 13.0% 9.7% 8.2% 13.0% 8.5% 9.5% 11.1% 10.7% 11.3% 11.8% 12.0% 9.0% 9.9% 12.2% 7.9% 8.5% 9.6% 10.6% 10.3% 9.1%

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

Change month

1.6 0.1 0.6 0.7 0.6 0.7 0.2 0.5 1.2 0.4 0.4 0.9 0.5 0.5 0.7 0.4 0.3 0.3 0.9 0.4 0.4

Change year

76 74

CFMMI Aug 12

4.0 72 94.1 0.7 70 68 0.9 0.4 66 1.7 64 J F M A M J J A S O N D J F M A M J J A ’11 ’12 0.1 0.4 SOURCE: FEDERAL RESERVE BANK OF CHICAGO 0.3 1.6 0.3 0.9 0.6 Aug 12 Aug 11 Change 0.0 0.4 MONTHLY TOTALS 0.9 862 837 3.0% 0.2 YTD TOTALS 0.0 9.5 4,360 4,127 5.6% 1.0 2011 2010 Change 1.4 ANNUAL TOTALS 0.9 9,682 7,478 29.5%

Williamson County Regional Airport passengers

I S I N Consumer credit score

686

Credit scores are numeric reflections of financial behavior and credit worthiness and they are based on information included in a credit report. Ranging from 330 to 830, a higher score means a lower credit risk. Scores are from October 2012.

693

Carbondale

Region

694

688

SOURCE: EXPERIAN

State

O R S U of I Flash Index

U. S.

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

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

Aug 12

Aug 11

Change

2011

13 103 20 17 10 166 63 33 15 51 5 11 78 76 32 29 49 197 968

11 79 19 17 9 133 98 32 34 61 2 11 77 82 41 58 49 155 966

44.4% 30.4% 5.3% 0.0% 11.1% 24.8% 35.7% 3.1% 55.9% 16.4% 150.0% 0.0% 1.3% 7.3% 22.0% 50.0% 0.0% 27.1% 0.2%

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

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

Change

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

0 78 5 2 3 98 78 16 38 25 4 3 36 53 24 191 35,116

’12

’11

’10

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.

July 12 July 11 MONTHLY TOTALS $695,872

Change

$736,250

5.1%

YTD TOTALS $3,820,505

232

230

$3,810,830

2011 ANNUAL TOTALS

2010

2.5%

Change

228

226

U.S. City Average Sept 12 231.4

224

222

$7,710,436 <0.01%

220

218

Total units sold, including condominiums

Q2 12 Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Williamson ILLINOIS

Sept 12 103.2

$7,706,931

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 M

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.

Q2 11 2 87 5 2 6 96 77 13 24 29 2 5 41 41 14 155 29,529

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Change

100.0% 10.3% 0.0% 0.0% 50.0% 2.1% 1.3% 23.1% 58.3% 13.8% 100.0% 40.0% 12.2% 29.3% 71.4% 23.2% 18.9%

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

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

Change

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

MEDIAN SALES PRICE Q2 12 Q2 11 $0 $65,250 $48,000 $189,000 $43,000 $96,500 $84,500 $66,500 $62,000 $61,900 $127,500 $43,000 $81,500 $52,000 $80,250 $116,000 $145,000

$28,250 $42,000 $45,000 $51,570 $24,000 $92,500 $95,000 $61,000 $79,500 $48,500 $96,500 $55,000 $69,900 $62,000 $77,500 $100,500 $142,000

216

Change

214

100.0% Midwest Urban 55.4% Sept 12 221.1 6.7% 265.2% 79.2% 4.3% SOURCE: U.S. DEPARTMENT OF LABOR 11.1% 9.0% 22.0% 27.6% Average price per gallon of regular, unleaded 32.1% gas as of October 26 and September 19, 2012. 21.8% Oct 12 Sept 12 Oct 11 16.6% $3.37 $3.90 $3.38 16.1% Metro East 3.5% Springfield $3.33 $3.86 $3.67 15.4% Illinois $3.55 $4.09 $3.45 $3.58 $3.85 $3.44 2.1% U.S. 212

210

208

O N ’11

M ‘12

Prices at the pump

SOURCE: AAA

I S I N Consumer credit score

686

693

Carbondale

Region

694

688

SOURCE: EXPERIAN

State

O R S U of I Flash Index

U. S.

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

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

Aug 12

Aug 11

Change

2011

13 103 20 17 10 166 63 33 15 51 5 11 78 76 32 29 49 197 968

11 79 19 17 9 133 98 32 34 61 2 11 77 82 41 58 49 155 966

44.4% 30.4% 5.3% 0.0% 11.1% 24.8% 35.7% 3.1% 55.9% 16.4% 150.0% 0.0% 1.3% 7.3% 22.0% 50.0% 0.0% 27.1% 0.2%

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

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

Change

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

0 78 5 2 3 98 78 16 38 25 4 3 36 53 24 191 35,116

’12

’11

’10

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.

July 12 July 11 MONTHLY TOTALS $695,872

Change

$736,250

5.1%

YTD TOTALS $3,820,505

232

230

$3,810,830

2011 ANNUAL TOTALS

2010

2.5%

Change

228

226

U.S. City Average Sept 12 231.4

224

222

$7,710,436 <0.01%

220

218

Total units sold, including condominiums

Q2 12 Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Williamson ILLINOIS

Sept 12 103.2

$7,706,931

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 M

Q2 11 2 87 5 2 6 96 77 13 24 29 2 5 41 41 14 155 29,529

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Change

100.0% 10.3% 0.0% 0.0% 50.0% 2.1% 1.3% 23.1% 58.3% 13.8% 100.0% 40.0% 12.2% 29.3% 71.4% 23.2% 18.9%

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

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

Change

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

MEDIAN SALES PRICE Q2 12 Q2 11 $0 $65,250 $48,000 $189,000 $43,000 $96,500 $84,500 $66,500 $62,000 $61,900 $127,500 $43,000 $81,500 $52,000 $80,250 $116,000 $145,000

$28,250 $42,000 $45,000 $51,570 $24,000 $92,500 $95,000 $61,000 $79,500 $48,500 $96,500 $55,000 $69,900 $62,000 $77,500 $100,500 $142,000

216

Change

214

210

208

O N ’11

M ‘12

Prices at the pump

SOURCE: AAA

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2012

Entrepreneur’s Mailbag Everything I need to know about marketing, I learned from Papa John’s Pizza BY CAVANAUGH L. GRAY SBJ CONTRIBUTOR

From the moment my sons were able to mouth the word pizza, it has become a staple in our home. So much so that Friday in the Gray household has become something of a weekly holiday Gray known affectionately as Pizza Friday. Because of the frequency of my orders, the delivery driver has become like an extended member of the family. Despite the countless number of pizza boxes I have tossed over the past year, this week’s box left me with somewhat of a small business revelation. Staring at the empty and completely ravaged pizza box, I realized that everything I ever wanted to know about marketing could be learned from Papa John’s Pizza. For any undergraduates looking to use this as an excuse to bail on higher education and simply major in pizza, I would say, “Not so fast.” For everyone else, do hear me out. From humble beginnings: Papa John’s founder, John Schnatter, began his pizza career after graduating from high school. He worked for his father, who co-owned a local tavern in Jeffersonville, Ind. In 1984, he sold his beloved 1971 Chevrolet Camaro in order to buy out the other owner of the bar and began serving pizza out of a broom closet. Since its humble beginnings, Papa John’s has gone on to open more than 4,000 stores and, in the process, managed to become the third largest pizza chain in an extremely competitive industry. Schnatter even located and purchased the original Camaro he sold in 1984 and had it restored. Everyone loves a good story with a happy ending, and Papa John’s makes it a point to tell its fresh dough story right on the side of

ART SERVICES

Papa John’s logo doesn’t necessarily knock your socks off, but the company has one, and it is fairly recognizable.

its pizza box. When people can identify with your company’s story, then they can identify with your brand. If they can identify with your brand, then they could ultimately become customers. Marketing 101: Some of the most successful companies in the world have managed to get the most basic elements of marketing correct. I personally like to see a company’s brand through the use of a single color or combination of colors. Coca-Cola’s brand has become synonymous with the colors red and white. The colors yellow and blue will usually transport me back to my most recent IKEA trip, and orange and blue together usually make me think of FedEx. Papa John’s has taken a page from this book by invoking all things Italian with its red, white and green color scheme, which is usually prominently displayed. Call it simple psychology, but the colors make me think that I am

preparing to eat a traditional Italian meal, even though I know it’s just pizza. Years ago, I met a marketer who had found a way to incorporate the color red into her company’s daily activities. Her marketing collateral had this powerful red popping out, and she dressed well, managing to incorporate red into her daily attire. I would almost bet that she drove a red car. Brilliant! Not every company can pull this off; but, if you can, it could go a long way in building your brand. Tagline tango: Papa John’s logo doesn’t necessarily knock your socks off, but the company has one and I would say that it’s fairly recognizable. What the company’s logo lacks, its tagline, “Better Ingredients, Better Pizza,” more than makes up for it. Papa John’s tagline makes a strong claim, is short enough to be remembered, and is catchy enough to be repeated. Do you have a tagline? If so,

how does your tagline hold up in your industry and against your competitors? To prove a point and demonstrate the power and effectiveness of a wellwritten tagline, I have chosen several that were around from my childhood. If you can recall any of these time-tested tags, then the marketers have definitely done their jobs. See how many you can recall: When it rains, it pours Time to make the doughnuts Betcha can’t eat just one How do you spell relief? The uncola Takes a licking, and keeps on ticking The quality goes in before the name goes on Papa, Papa He’s Our Man Lee Iacocca, who is best known for engineering one of the most successful cars in history, the Ford Mustang, would later go on to be CEO of Chrysler.

NOVEMBER 2012 Find more business news at www.sbj.biz.

Fearing that Chrysler was close to going out of business during the early ’80s, Iacocca took to the airwaves proclaiming to the American public, “If you can find a better car, buy it.” Iacocca was so passionate and so convinced that his cars could compete with any manufacturer in the world that he almost got me to purchase a Chrysler LeBaron, and I was only 8. Other memorable spokespersons include Debbie Fields (Mrs. Field’s Cookies), Dave Thomas (Wendy’s), Orville Redenbacher (popcorn) and Frank Purdue (Perdue Chicken). These iconic marketers have passed on a valuable lesson for all of us to follow. That lesson is simple: If you don’t believe in your own product or service, then no one else will. It seems to be a message that Schnatter has taken to heart, as every commercial features his smiling face touting the merits of his pizza. Taking care of the little things: Papa John’s has done many marketing things well, and I’ll leave you with a few: In 2002, the company became the first chain to make online ordering available. Its website allows viewers to make virtual pizzas, and the site’s information is prominently displayed on each pizza box. In 2010, the company signed a multi-year deal with the National Football League. This perfect marketing marriage of pizza and football garners the company tons of publicity. The company has a loyalty program called Papa Rewards, where patrons can earn free pizzas. Papa John’s shows that it is a socially responsible company by encouraging customers to recycle their pizza boxes. Lastly, Papa John’s never forgets its call to action, leaving a coupon on each box to encourage your next order. 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 on to 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

NOVEMBER 2012

Achievements

Faces in the news

Bebout, Pharo complete training

Bebout

Jones

Pharo

Wright

Jackman

Rennison

Katie Bebout and Jill Pharo, both certified nail technicians with Cheveux Salon in Marion, recently completed a master painter course specializing in shellac and colour and effects services. Sherry Almaroad is owner of Cheveux Salon at 7992 Aviation Drive, Ste. C.

Creek Beef in Buncombe. The event is free to Southern Illinois Farming Network members and $20 for non-members. Registration is required and capacity is limited. To register, visit eatsouthernillinois.org or contact Dayna Conner at 618-319-0542 or dayna@eatsouthernillinois.org.

Jackman named director of the year

SIPC hosts American Energy Alliance tour

Cynthia K. Jackman of Consolidated Insurance Agency in Carbondale was named Regional Director of the Year for the Independent Insurance Agents of Illinois. Jackman received the honor at the annual convention recently in Springfield. In addition, she was re-elected to the board of directors of the IIA of IL as Region 1 director, effective until Sept. 30. This marks Jackman’s third year in this position.

Southern Illinois Power Cooperative recently hosted the American Energy Alliance bus tour. The American Products and Power bus is a traveling promotion which is the grassroots movement of the American Energy Alliance. SIPC employees were given the opportunity to sign the bus as it crosses the country to show support of energy production, manufacturing jobs and economic growth. Employees were also given the opportunity to sign a petition to show their support.

Jones attends educational seminar

Suhre

Bicking

Williams

Chris L. Jones of Carterville, a Modern Woodmen of America representative, recently completed a five-day training program at Modern Woodmen’s home office in Rock Island. The program focused on helping families plan for life and reach their financial goals with Modern Woodmen. Speakers also covered topics which included technology, fraternalism and underwriting.

Wright receives second accreditation

Curry

McQueen

Cripps

Dishona Wright of Staged Wright Home Designs in Anna recently received her second accreditation in home staging. In addition to being a certified home staging expert, she has earned her certification as an international staging and redesign professional. Wright has more than 25 years of experience as a visual merchandising specialist.

Rice

Rushing

Find more business news at www.sbj.biz. Parrish

Romine

Debbie Cobb recently joined the Anna office of the financial services firm Edward Jones as a branch office administrator.

Stroke program receives national award Western Baptist Hospital in Paducah has just received back-to-back national honors for its stroke program — the Stroke Silver Plus Quality Achievement Award from the American Heart Association and Joint Commission’s Gold Seal of Approval as an Advanced Primary Stroke Center for the second consecutive cycle.

Aisin Mfg. Illinois announces promotions

The grand opening of Marion V.A. Medical Center’s new community-based outpatient clinic in Carbondale is at 1 p.m. Nov. 8 at 1130 E. Walnut St. The new clinic features more than 9,900 square feet of space dedicated to serving veterans and their health care needs. The clinic began serving patients last week. The Marion V.A. Medical Center system provides health care services to more than 42,000 veterans living in Southern Illinois, northwestern Kentucky and western Indiana.

Aisin Manufacturing Illinois, LLC in Marion recently announced promotions to support AMI’s continued business growth and the introduction of new products. Promotions include Holly Fletcher, a 10-year team member, to quality section manager, Sunroof Products; Brad Corzine to quality section manager, Door and Handle Products; Chris Numi to section manager, QC/RI/Supplier Quality; Kelly McMillin, a 10-year team member, to assistant manager Launch/PC; Trevor Stortzum to assistant manager, Manufacturing Engineering, Door and Handle Products; Richard Vick, a 10-year team member, to acting quality assistant manager, Sunroof Products; and Kyle Wagner to quality assistant manager, Door and Handle Products.

S.I. Farming Network to host field day

Course to prepare inspiring farmers

Southern Illinois Farming Network is sponsoring an educational field day, “Rotational Grazing for Grass-Fed Cattle,” from 3 to 5 p.m. Nov. 15 at Lick

A series of classroom and in-field educational programs is open to aspiring farmers in Southern Illinois, as well as central and northern Illinois.

Grand opening set for V.A. outpatient clinic

Frey

Cobb joins Edward Jones firm

Celebrate Thanksgetting. Nobody offers more drivers more discounts. So get yours.

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SOUTHERN BUSINESS JOURNAL

NOVEMBER 2012

Achievements Each course will be one year long, consisting of monthly meetings beginning next month. The course will include both classroom training and outdoor hands-on demonstrations. University of Illinois Research and Education Centers at Dixon Springs, Urbana and St. Charles have acreage that can be used for incubation sites, where participants can practice their farming plan and see if they can make it work. For more information or an application, visit www.newillinoisfarmers.org/ new_generation_app.php.

Rennison completes diagnostic training Cody Ripley Rennison of Murphysboro, an ASE master certified technician at The Auto Shop in Carbondale, recently returned from a training program at Jasper University. Rennison completed six hours training for the Trans Diagnostic Clinic with technical trainer Jim Davenport. The Auto Shop owner Steve Rennison requires 80 hours a year training for each technician.

Café and boutique hours are 8 a.m. to 5 p.m. Tuesday through Friday and 8 a.m. to 2 p.m. Saturday. Café lunch is served from 11 a.m. to 2 p.m. Tuesday through Friday.

Massage On Call opens in Marion Anita Short, LMT, recently opened Massage On Call at 801 W. De Young St. in Marion. Short is an orthopedic massage specialist, Reiki master and Qigong instructor with more than 10 years of experience. For more information, call 480-258-0824 or visit www.amassage oncall.com. Offices are in Marion and Sesser.

Steeleville man introduces app Recognizing the challenge involved in finding one’s way to a rural property, Wayne Keller of Steeleville introduced an Aerial Map Application that is currently available for all iPhone/iPad customers. Once the user has the application, he or she will be able to locate maps and other features associated with a multitude of properties. Turn by turn directions are provided as well as the actual driving time from the user’s location.

junior high, senior high and post-high school programs for students with complex learning disabilities.

Rushing appointed financial representative Bobby Rushing of Pinckneyville has been appointed as a financial representative by Northwestern Mutual in Carbondale. Rushing will be associated with Northwestern Mutual, The Hahs Group of Cape Girardeau. He received a degree from SIU in 2010.

Curry attends statewide training session Rebecca Curry with University of Illinois Extension of Williamson County attended a statewide training session last month in Champaign. Curry was among a group of staff members, from U of I Extension’s Illinois Nutrition Education Programs, who spent two days together learning about new curricula which will be offered to lowincome groups across the state and sharing ideas to make their programs more interactive and effective.

Donahue promoted at Alltel Wireless Alltel Wireless, a telecommunications provider serving customers in six states, has promoted Sheri Donahue to general manager in Illinois. This promotion occurs as a result of Alltel’s realignment of sales teams in an effort to become more fully engaged in the local communities they serve, including Carbondale. A native of Owensboro, Ky., Donahue started her career with First Cellular in Southern Illinois.

Great Shapes hires Zumba instructors Great Shapes Fitness for Women in Carbondale has hired two new certified Zumba instructors, Kristian Baldwin and Michelle Williams. Zumba classes are free for Great Shapes members, and walk-ins may pay per class. Great Shapes is located at 2121 S. Illinois Ave.

Three re-elected to banker’s association

Several local bankers were re-elected to positions with Community Bankers Association of Illinois at the association’s L & B Bubble Tea opens in Marion annual convention recently in St. Louis. Platform allows businesses Angie Suhre of Granite City has been Bryanna Kehrer, a Marion Junior High Kevin Beckemeyer, president/CEO of selected as program director for Girl Scouts to share information School teacher, recently opened up her own Legence Bank in Eldorado, was re-elected of Southern Illinois. LifeatSouthern.com, a new platform that business, L & B Bubble Tea, at 716 N. regional vice chairman of CBAI. Joe Suhre will oversee GSSI’s program people in Carbondale can use to search, Carbon St. in Marion. Leenerts, executive vice president/CEO of department staff to provide GSSI’s 14,000 create and promote any type of event for L & B offers about 50 flavors, but they Herrin Security Bank, and David Pirsein, girl members with more than 300 programs free, allows organizations and local can be mixed together any way the president/CEO of First National Bank in in the areas of science, technology, businesses to share information about their customer wants it. Hours of operation are Pinckneyville, were both re-elected group engineering and math, financial literacy, events or products and promote themselves from noon to 8 p.m. Monday through directors. healthy living, community service and to students free of charge by using a Thursday and noon to 9 p.m. Friday and more. landing page. Saturday. Jeremy Packer is the founder of LifeatSouthern.com. For more Bicking joins Lourdes staff Elastec/American Marine awarded Griffin K. Bicking, D.O., has joined the information, call 618-638-4604 or email Popular Mechanics awarded the CarmiFaces in the news join@LifeAtSouthern.com. medical staff of Lourdes Hospital in based Elastec/American Marine a 2012 Have you been promoted? Send a photo. Paducah. Breakthrough Award for its patented Has a colleague at work Bicking is board certified in general Williams named director completed an intensive continuing education Grooved Disc oil skimmer technology. The surgery. He is accepting patients at West program? Send a photo. of school foundation Popular Mechanics Breakthrough Award Kentucky Surgical Associates in Paducah. Others in the business community will want Russell D. Williams is the new director program, now in its eighth year, recognizes to know it, so please consider passing on of Brehm School Foundation. Williams has the innovators and products that have your employment news and photos to the Business expands dramatically advanced the fields of served as the coordinator of development Southern Business Journal. technology, medicine, space exploration, for Brehm School and OPTIONS to add boutique, café Feel free to email the Transitions to Independence program, both automotive design, environmental information to sbj@thesouthern.com. Something Sweet, a pastry and cake engineering and more. in Carbondale, since 2008. business that opened two years ago at Elastec/American Marine and other Brehm School Foundation, a 501 (c) (3) 418 N. 14th St. in Murphysboro, has Find more business news winners were honored at a conference and not-for-profit organization, ensures the expanded into a boutique and café. The at www.sbj.biz. gala awards ceremony last month in New continuing advancement and mission of business is now Something Sweet York City. Brehm School and OPTIONS, which are Patisserie and Boutique.

Suhre named GSSI program director

NOVEMBER 2012

SOUTHERN BUSINESS JOURNAL

Achievements McQueen named Farm Bureau Certified Manager

Webb retires from enumerator position

Lindsay McQueen of Murphysboro, the manager of Jackson and Union County Farm Bureaus, has recently earned her Farm Bureau Certified Manager designation from the Illinois Farm Bureau. The FBCM designation recognizes county Farm Bureau managers for professional achievement and leadership. McQueen will be recognized at the 2012 Illinois Agricultural Association’s annual meeting.

Irene Webb of Vienna recently retired from her position as enumerator/ interviewer with the National Association of State Departments of Agriculture. Webb began her job with NASDA in 1995 and has received numerous awards throughout her 17 years. She and her husband, Ramon, make their home and operate a farm in rural Vienna.

Cripps joins staff at The Insurance House Karen Cripps recently joined the staff at The Insurance House in Marion. Specializing in senior market products, including Medicare supplements, longterm care and life insurance options, Cripps comes to The Insurance House with a number of years of experience in insurance, as well as 14 years in her previous profession in geriatrics. The Insurance House is an independent insurance agency, a Dave Ramsey endorsed local provider, at 205 S. Market St. in Marion.

Frey delivers session at conference Dr. Deborah Frey, CEO/lead executive coach at FreyWorks & Associates Consulting in Makanda, delivered a session entitled “Team Dreaming: Leadership for Collaborative Impact,” at the 21st annual Garden State Council Society for Human Resource Management (GSC SHRM) Conference and Expo Oct. 21 to 23 at Atlantic City Convention Center. Geared to human resource and business practitioners, the conference offers more than 40 concurrent sessions.

Becht named director of retail operations Debra Becht recently joined Banterra Bank as director of retail operations. A resident of Evansville, Ind., Becht is familiar with the four-state, Midwest area that Banterra serves. She has served the last 11 years as vice president for Fifth Third Bank in Evansville. Banterra Bank began as a single bank in Ridgway in July of 1975. Today, Banterra has 29 branches throughout Illinois, Missouri, Indiana and Kentucky.

Two Yoga instructors hired at Great Shapes Great Shapes Fitness for Women in Carbondale has hired two new certified Yoga instructors, Susan Bausch and Jackie Cumings. Great Shapes is located at 2121 S. Illinois Ave.

Rice retires after 38 years on hospital board Harold E. Rice, longtime president of Marshall Browning Hospital Board of Directors, recently retired from the board. Rice joined Marshall Browning Hospital as a board member in 1974 and was named board president in 1979. During his tenure, he worked with four administrators and was instrumental in leading the hospital through many major building projects.

Rushing attends retirement distribution seminar Jeffrey S. Rushing of Marion, a Modern Woodmen of America representative, has completed a five-day educational program at Modern Woodmen’s home office in Rock Island. The advanced training program focused on helping business owners with Modern Woodmen life insurance plans, annuities and IRAs. Additional emphasis was given to the use of employee benefit plans in various types of businesses. Training also included strategies to help provide income from retirement assets and pension plans to those approaching retirement.

Parrish named CFO of Holland Construction Curt Parrish has joined Holland Construction Services as chief financial officer. Parrish is a CPA and has a bachelor’s degree in accounting and an MBA from

SIU Carbondale. Parrish comes to HCS after serving the last five years at Volk Construction as CFO.

Calendar

Romine joins Western Baptist Hospital staff

Nov. 12

Orthopedic surgeon and sports medicine physician Spencer Romine, M.D., recently joined the medical staff at Western Baptist Hospital. He is accepting new patients at Orthopedic Institute of Western Kentucky in Paducah.

Starting a Business in Illinois: 1 to 3 p.m., room 150, DunnRichmond Economic Development Center, 150 E. Pleasant Hill Road, Carbondale. Free. An optional business start-up kit is available for $15. Call 618-536-2424 or email sbdc@siu.edu.

Huffman Insurance Agency opens new office

Dec. 12

Huffman Insurance Agency in Cairo, founded in 1960 by Joseph A. Huffman Sr., recently hosted a grand opening celebration for its new office at 2035 Washington Ave. in Cairo. The 7,000 square-foot office building will house the current staff of four agents. The agency, which will expand with the addition of new staff and insurance products, has two locations — the new office in Cairo, as well as a second office at 146 B E. Vienna St. in Anna.

McClerren joins staff of SI Elder Law Cindy McClerren of Thompsonville has joined the staff of SI Elder Law as director of business development. McClerren has experience working with supportive living facilities in Illinois and recently served as director of marketing and sales at Heritage Woods of Benton. The Marion-based SI Elder Law works to protect assets of seniors needing nursing home, assisted living or care at home.

Hospital earns ‘top performer’ recognition Good Samaritan Regional Health Center recently was named one of the nation’s Top Performers on Key Quality Measures by The Joint Commission, a leading accreditor of health care organizations in America. The Mount Vernon hospital was recognized by The Joint Commission for exemplary performance in using evidence-based clinical processes that are shown to improve care for certain conditions, including heart attack, heart failure, pneumonia and surgical care.

Jan. 8 Starting a Business in Illinois: 5 to 7 p.m., room 150, DunnRichmond Economic Development Center, 150 E. Pleasant Hill Road, Carbondale. Free. An optional business start-up kit is available for $15. Call 618-536-2424 or email sbdc@siu.edu.

Baptist Prime Care opens on hospital campus Baptist Prime Care opened recently at its new location on Western Baptist Hospital campus, offering easy access to primary care six days a week. No appointments are needed at the new location, which offers designated parking. Hours are 7 a.m. to 7 p.m. Monday through Friday and 8 a.m. to 1 p.m. Saturday. The new address is Doctors Office Building 1, Ste. 103, 2601 Kentucky Ave., in Paducah.

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.

NOVEMBER 2012

SOUTHERN BUSINESS JOURNAL

Business Fine Print Building permits Herrin Greg Perkins, 1002 N. 9th St., $5,000 Daniel Strange, 905 S. 14th St., $52,000 Roger Zeigler, 505 N. 13th St., $0 John Goebel, 601 Tatum Lane, $110,000 Tim Murphy, 2004 S. Walnut, $0 Tim Murphy, 403 Insignia, $0 John Goebel, 1619 Dolan St., $136,500 Dorothy Williams, 805 S. 14th St., $4,300 Robbie Randolph, 2904 Weaver Road, $9,700 Thomas Sanchz, 3200 Arabian Court, $0 Paula Resavage, 1309 N. 14th St., $0 Seever Homes, 2304 Elias Drive, $200,000 Tom Cull, 116 Forest Park Drive, $85,000 Dave Stritzel, 2005 S. 27th St., $20,000

Marion Rick Lowe, 1701 Castleberry, $10,000 Dennis Blankenship, 1800 E. Main, $8,000 Jesse Morgan, 206 N. Bentley, $7,000 Robert Nolen, 1902 Dew Drop, $12,000 Gloria Tanner, 3301 S. Market, $5,000 Holmes Construction, 1315 W. Main, $25,000 Douglas and Elizabeth Combs, 2710 St. Andrew, $562,000 Keith and Sarah Oates, 1805 Eagle Drive, $100,000

Metropolis Matthew Holt, 1600 Filmore St., $4,500 Barbara Scarborough, 414 W. 2nd St., $2,500 Kenneth Beard, 801 E. 15th St., $50 Shannon Crockett, 6889 Walnut Ridge Road, $7,500 Billy Lang, P.O. Box 703, $20,550

Mount Vernon Lea Dodson, 1113 Veterans Memorial Drive, $5,157 Cedar Hurst/Motor Cycle Days, 1400 Broadway, $0 JC Challenge, 1400 Broadway, $0 Jeff Ramsey, 12252 Harlan Road, $70,000 Jeff Ramsey, 12252 Harlan Road, $0 TriState Metal Detecting Club, 800 27th St., $0 Burkdell Mulch, 300 Fairfield Road, $0 Samuel Shillingburg, 2700 Richview Road, $0 H&H Advertising, 4211 Broadway, $35,000 DaVita Inc., 4102 N. Water Tower, $840,000 GSRHC-Day Care Center, 1 Good Samaritan Way, $1,900,000

Jim Scott, 404 Perkins, $0 Jason Staats, 900 6th St., $0 Terry and Laura Schaubert, 102 9th St., $196,000

Murphysboro Kevin Kafka, 512 N. 21st, $700 Lavern Spradling, 2002 S. 20th St. $1,000 Wilma Brown, 2135 Logan St., $4,500

Bankruptcies Chapter 7 Jill A. Bosecker, 879 Bucher Road, Mounds Anthony L. and Andrea L. Rushing, 204 Hillbilly Hill, Murphysboro Regina Mark and Veronica Lynn Keene, 205 N. Wall, Apt. 4D, Carbondale Jason Paul Petersen, 4233 Lincolnshire Drive 7D, Mount Vernon Jeremy Justin Neu, 230 N. Walnut St., Tamaroa Candace K. DeShazo, 5531 Country Club Road, No. 1, Murphysboro Angel M. Menser, P.O. Box 21, Johnston City Jeffery Scott Schafer, Apt. G-1, 16th St., Herrin Melissa Bess Wunderlich, 225 Russell St., Carbondale Mar y E. Choate, 3657 Dillinger, Apt. B, Carbondale Nathan L. and Michelle L. Won, 308 Douglas St., Anna Ronald K. and Rebecca McLaren Jr., 14411 E. Illinois 149, West Frankfort Jason R. and Michelle E. Turner, 330 Sherman Road, Anna Charles L. Murphy, 17303 Illinois 37, Johnston City Stephen and Rebecca Sutton, P.O. Box 152, Keensburg Misti L. Price, 517 Solomon St., Chester Helen Ruth Williams, 222 Liebengood Road, Mount Vernon Michael T. Waters, 11795 E. Oak Lane, Mount Vernon Rober t L. Remick, 4870 Illinois 159, Red Bud Joseph R. Smith, 813 S. 16th St., Herrin Sheila A. Lampley, 19322 Ross Briley Road, Thompsonville Sherri M. and Scott Annable, 501 S. Hubbard, Goreville Gregory Scott and Lynnette Marie Kirkman, 908 Highland St., Benton Dianna S. Webb, 403 W. Lottie St, Sesser Rodney Michael Brugger, 17939 Friendsville Ave., Mount Carmel

Find more business news at www.sbj.biz.

Arthur R. Conder, P.O. Box 845, Marion David L. and Leah K. Payne, 16783 Duncan Road, Johnston City Devin Michael and Marcy LeeAnn Cook, R.R. 1 Box 299, Shobonier John J. Hagelund, P.O. Box 515, Du Quoin Brian W. Bennett, P.O. Box 882, Harrisburg Darrell L. and Diane L. Hawk, 2510 Cobden School Road, Cobden John E. Young, 510 Bishop St. Apt. B, Grayville Denese R. Peebles, 611 W. 10th St., Metropolis Kimberly A. Burke, 120 Kennedy Lane, Ozark Thomas S. and Leila D. Alexander, 806 N. 12th St., Mount Vernon David M. Brickeen, 1101 Broad St., Evansville Ronald E. and Kimberly A. Whitecotton, 208 E. Patrick, Marion Cathy L. Barnard, P.O. Box 696, Rosiclare Richard A. and Rhonda K. Pearce, 413 N. 13th St., Herrin Thomas S. and Lisa J. Tiernan, 1868 Business Illinois 13, Murphysboro Pamela J. Hawkins, 801 Boyd St., Eldorado Timothy A. and Anna E. Tindall, 2108 Melanie Lane, Apt. A, Marion Lonnie R. and Louella F. Darter, 303 N. Fly St., Goreville Heather M. Schnoeker, 3853 Crocus Road, Pinckneyville Sharon Lynn Bartley, 205 Olive St., Carmi Audra S. Allan, 517 N. 21st, Herrin Antonio L. and Russi L. Austin, 1209 E. Fifth St., Apt. 5E, Metropolis Kay E. Barner, 24401 Florida Road, Ashley Leah D. Kouzoukas, 205 E. Russell, Carrier Mills Mark N. and Selina K. Thompson, 2609 Ingersoll Lane, Marion Thomas E. Ortega, 118 Baggott St., Zeigler Theresa L. Fernandez, 202 N. Fifth St., Ava Shannon D. Edmonds, P.O. Box 1841, Marion Denise D. Slater, 1269 Davis Road, Thompsonville Elizabeth A. Thomas, 5 Alexander Drive, Benton Justin Nathanial Griffith, 1710 N. State St., Marion

Chapter 13 David T. Pickering, 2314 Illinois 14, Mulkeytown Amy M. Bixler, 632 W. Market, Christopher Leslie I. and Julie A. Stoops Jr., 37 Ava Road, Murphysboro Max R. Robinson, 3783 U.S. 51, Mounds Lynn R. McGill, P.O. Box 344, Olmsted James K. and Gina M. Toms, 305 S. Bryan St., West Frankfort Jasmine M. Hollis, 3515 Elm St., Cairo Fredrick H. Rowedda, 702 S. Pine, Zeigler Larry W. and Judith A. Biggs, P.O. Box 279, Benton Steven S. and Novella M. Casey, P.O. Box 146, Logan James G. Adelsberger and Iva Dell Clay, 109 E. Fourth, West Frankfort Christopher Lee and Khristina Marie Yap Sunga Vaughn, 2910 W. Alveria, Carbondale Mark E. Yasaitis, 905 E. Park St., Lot 55, Carbondale Robert W. and Darlene M. Hammermeister, 7851 E. Grant Road, Walnut Hill Marvin L. Hammel, P.O. Box 372, Chester Dennis R. Bennett, 505 S. Locust St., Tamaroa Brian G. and Angela D. Walker, 14836 Rains Road, West Frankfort Charlene R. Johnson, 851 Ullin Ave., Ullin Chanel M. Lane, 220 N. Blanche, Mounds Jack D. Johnston, 231 S. Cour t, Lot 42, Benton Jennifer T. Hudgens, 1601 Carol Drive, Marion Billy D. and Judith M. Smith, P.O. Box 86, Enfield Tina A. Rice, 3510 Strawberry, Brookport Rachael E. Plumley, P.O. Box 302, Energy Juanita C. Collins, P.O. Box 411, Metropolis Donald G. and Linda I. Upchurch, 715 S. McKinley St., Harrisburg Cora Mae Autrey, P.O. Box 384, Ullin Robert J. and Stacy R. Priebe, 4588 Heron Road, Pinckneyville Bruce M. Pomeroy, P.O. Box 66, 316 W. Elm St., Okawville Paul J. Allison, 405 N. Howard St., Ava Scott A. Sneddon, 7520 Mine 5 Road, Benton Kevin E. and Amanda E. Furlow, P.O. Box 761, Marion Marlow A. and Linda S. Brown, P.O. Box 98, McClure SEE FINE PRINT / PAGE 23

SOUTHERN BUSINESS JOURNAL

NOVEMBER 2012

Economics Economic outlook: More of the same? Some growth expected, but uncertain US fiscal policy remains key risk BY MICHAEL P. TISON SBJ CONTRIBUTOR

The U.S. economy advanced at a 1.5 percent annual rate in 2Q12, following a 2 percent pace in 1Q12. Mild winter weather likely pulled some of the strength from the Tison second quarter into the first; but, taken together, growth clearly decelerated in the first half of the year. The economy continues to face a

number of headwinds that should prevent the pace of growth from strengthening over the next several months. We appear to have turned the corner in housing. Home sales and residential construction improved significantly in the first half of the year. However, the recovery is still in the early stages, and many homeowners remain under water on their mortgages, which will continue to restrain the pace of consumerspending growth. The global economy has slowed. SEE ECONOMICS / PAGE 23

Pepsi MidAmerica Wishes You A Happy and Safe Holiday! 7 UP Cake with Coconut Frosting Recipe Ingredients Cake: 1 cup butter, softened ½ cup vegetable shortening 2 ½ cups sugar 5 eggs 1 teaspoon lemon extract 3 cups flour 7 ounces, 7UP, at room temperature

Coconut frosting: 1 egg, beaten ¾ cup sugar 1 tablespoon flour 2 tablespoons butter 8 ½ ounces crushed pineapple, undrained 3 ½ ounces flaked coconut

Directions: Preheat the oven to 300 degrees. Grease and flour a 10-inch tube or Bundt pan and set aside. In a large bowl of an electric mixer, beat together butter and shortening with the sugar until light and fluffy, about 4 minutes. Add eggs, one at a time, beating well after each addition and scraping down the sides of the bowl with a rubber spatula. Add lemon extract. Add flour and 7UP alternately, beating after each addition. Spoon batter into prepared pan and bake for 80 minutes or until cake tests done. Remove from oven and place pan on wire rack to cool for 30 minutes, then turn out cake onto wire rack to cool completely. Prepare icing: In a small saucepan, cook egg, sugar, flour, butter and pineapple with juice over very low heat (if heat iss too high, the egg will curdle). Stir frequently and cook until thickened, about 15 minutes. Remove from heat. Stir in coconut and blend well. Spread on cooled cake.

www.pepsimidamerica.com 1.800.827.7020

NOVEMBER 2012

SOUTHERN BUSINESS JOURNAL

ECONOMICS: Some growth expected

FINE PRINT

FROM PAGE 22

FROM PAGE 21

The United Kingdom reported a third consecutive quarterly decline in GDP. Manufacturing indicators have weakened in most countries. The global slowdown will weaken U.S. exports. Chinaâ&#x20AC;&#x2122;s GDP growth has also slowed from more than 11 percent recently to around the 7 percent range. However, the bigger threat from Europe would be financial market disruptions. European officials are committed to keeping the Eurozone intact, but the response to the crisis has been slow. The current recovery differs from past recoveries in that government has been a significant drag. Government consumption and investment, which are down in inflationadjusted terms, have subtracted about 0.6 percentage points from growth over the past eight quarters. Budget pressures have decreased, and we should see a slower pace of decline in state and local government jobs in the near term. However, the federal government now is expected to shed jobs at a somewhat faster pace. The U.S. faces significant contraction in fiscal policy in 2013, as the Bush-era tax cuts

are set to expire, the 2 percent reduction in payroll taxes ends, and spending cuts are set to kick in. These changes would subtract about 4 percent from GDP next year, enough to push the economy into a recession in the first half of the year. The good news is that lawmakers have begun to discuss the fiscal cliff and are aware of the economic consequences. The bad news is that nothing is likely to happen until after the election. Most likely, the can will be kicked down the road, but the uncertainty could be a negative for the economy in the second half of this year. The economy is likely to expand moderately in the second half of the year, although growth is almost sure to be uneven across time and sectors. Developments regarding the key risks, Europe and the fiscal cliff, are expected to be important issues for the financial markets over the next several months. 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.

Tina S. Acree, 511 Pearl St., Mound City Billie Jean Rhine, 544 Pankey Road, Carrier Mills Latrina N. Spence, P.O. Box 333, Tamms Brandon M. and BobbiJo M. Bass, 402 E. Heacock St., Jonesboro Eric W. Casey, 325 Bantruff Road, Anna Scott Wayne and Cynthia Jewell Priddy, 14703 Cambria Road, De Soto George F. and Lynda S. Henley, 316 Cherokee Drive, Harrisburg Jeremy D. and Rebecca M. Martin, 1518 Harlan Road, Mount Vernon Juanita A. Hammerman, P.O. Box 431, Hurst Daniel R. and Sarah C. Wooley, 935 N. Oakland, Carbondale David L. and Dana L. Vinyard, 1538 S. Thompsonville Road, Thompsonville Craig A. and Marjorie R. Kirkover, 1719 State St., Chester

Dennis R. Broy, 501 N. Emma St., West Frankfort Zachary L. Holt, 350 S. Seventh St., Bonnie Matthew F. Harriss, 6700 Cra-Mel Drive, Marion John Matthew Sullivan, 903 N. Sunset Drive, Pinckneyville Christel D. Grive, 227 19th Street, Cairo Vicente and Shelly M. Perez, 329 N. 14th St., Murphysboro Mark R. and Mickie A. Brady, 16592 Pittsburg Road, Pittsburg Roza L. Trusty, R.R. 1 Box 168, Golconda Lena L. Ashley, 9001 Old Illinois 13, Murphysboro Andrew Ben and Sarah Jane Becker, 21690 Walnut Hill Road, Hoyleton Marian J. White, 512 N. 16th, Herrin Angela D. Bennett, 101 W. Sullivan, Harrisburg Charlie Lee and Melanie Ellise Jones, P.O. Box 1241, Carbondale

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