Southern Business Journal by The Southern Illinoisan

Serving 18 Illinois counties • www.sbj.biz • June 2015

CEO program Southern Illinois leaders excited to get idea started

COVER STORY BEGINS ON PAGE 4

Directory of Advertisers

Inside JUNE 2015

ENTREPRENEUR’S MAILBAG Five traits of successful entrepreneurs: I have been involved with small business in some shape, form or fashion since I was a kid. I have spent the majority of my life developing my own ideas, being an ardent student of small business and paying attention to the moves of some of the most successful entrepreneurs of our time.

PAGE 5

WORKPLACE Recruiting your way to success: When was the last time you examined your recruiting strategies? How are you attracting and bringing in new talent to fill your positions? Most managers dread the recruiting process and leave it solely to the human resources department.

PAGE 7

MONEY MATTERS How to wisely manage financial windfalls: Although the odds of winning the lottery may be stacked against you, there’s a chance you’ll receive a

large, perhaps unexpected, financial windfall at some point during your life.

PAGE 8

The ABLE Act: Helping disabled Americans save for the future: Late last year, President Obama signed into law legislation aimed at giving disabled Americans and their families the opportunity to save for education and other related expenses in a tax-friendly vehicle without jeopardizing their federal benefits.

PAGE 8

Pepsi MidAmerica....................16

SIU Credit Union ....................... 6

ACHIEVEMENTS Who’s in the news: Find out who has been hired, promoted or received honors for efforts in businesses. Be sure to check out latest Faces in the News collection, too.

Southern Illinois Healthcare .... 9

PAGES 10

FINE PRINT What’s happening: See who’s on the move with new building permits, as well as those who haven’t been as fortunate.

PAGE 12, 15 Publisher John Pfeifer 618-351-5038

The Southern Business Journal is a publication of The 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 distributed by The Southern Illinoisan and www.thesouthern.com. Copyright 2015 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 website.

John A. Logan College .............14

Advertising Kim Fowler 618-351-5035 Design and Layout Rhonda May 618-351-5077

Southern Illinois University ..... 11

Wells Fargo ................................ 3

June 2015

Southern Business Journal

From the publisher

No fear of failure

‌W

hen I hear the word “entrepreneur,” I am tempted to picture this superhuman combination of ingenuity and charisma who manufactures success through sheer force of will. Not Captain America or Iron Man exactly, but certainly at the level of one of the lesser Avengers. The dictionary definition of the word doesn’t really help. Someone who manages or organizes a business with a degree of initiative or risk? Booooooorrrrring. And nowhere near the truth. I prefer to characterize entreprePfeifer neurship as having no fear of failure. Not the arrogant, “I know what I’m doing, I know how to do it, and I’ll always know how to do it” ignoring of the possibility of failure. That’s vanity run amuck that exponentially increases the likelihood of failure; it is overconfidence plain and simple. No, the “no fear of failure” that characterizes entrepreneurs involves embracing, sometimes even inviting, failure as a means of legitimizing their mission. These entrepreneurs realize there can be no true victory without the very real possibility of defeat, no success without the possibility of failure. They use a sort of “fail fast” mindset that admits they don’t initially have all the answers, and uses a somewhat calculated “trial and error” process in search of ultimate success. Resilience is an inseparable arrow in

The “no fear of failure” that characterizes entrepreneurs involves embracing, sometimes even inviting, failure as a means of legitimizing their mission. These entrepreneurs realize there can be no true victory without the very real possibility of defeat, no success without the possibility of failure. the quiver of these entrepreneurs, as is the humility needed to admit that you don’t — and can’t — know everything about the future of your enterprise because that future is still not that clearly defined. You are on a road toward a destination that may change several times. Most of us think our business destinations do not change, only the roads to get there. Entrepreneurs know better. They enjoy the process of discovering, of learning, of letting people and processes determine the destination rather than vice-versa. They are not superhuman. They are not fearless. They just don’t fear failure. JOHN PFEIFER is publisher of Southern Business Journal and The Southern Illinoisan.

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Boys and Girls Club of Carbondale Business of the Month

The Boys & Girls Club of Carbondale is pleased to announce Horstman’s Cleaners & Furriers as their Business of the Month for May 2015!

We are pleased to announce that

Melissa Lewis Financial Advisor

has joined

Murray Patterson Financial Group

of Wells Fargo Advisors 1401 Financial Park Carbondale, IL 62902 618-351-7850 • 800-458-8145 Toll Free melissa.lewis@wfadvisors.com Wells Fargo Advisors, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company. ©2015Wells Fargo Advisors, LLC 90782 0515-00837 5/15

Southern Business Journal

June 2015

Region’s high schools ready for CEO program Local leaders excited to get started DUSTIN DUNCAN THE SOUTHERN‌

‌Students in Southern Illinois will have the opportunity to participate in an innovative class that has been successful in the past. The Creating Entrepreneurial Opportunities, or CEO, program offers students handson business experience and a chance to build their own start-up over the course of a year. It will be available to students in Jackson, Williamson, Union and Perry counties next school year. The program was on track to start in 2014 in Union County, but the county was unable to secure a facilitator, so it was run on a modified basis. The program, which started in 2008, is already in place in more than a dozen counties in Illinois, Minnesota and Indiana. It will be available to students in about 125 high schools in the fall, said Craig Lindvahl, executive director of the Midstate Institute of Entrepreneurship, which oversees and promotes the program. The program is primarily funded by business investors from the community in each county. The class is open to high school junior and seniors selected by a board in each county. Lindvahl said the application process is rigorous. Classes never meet inside a classroom. Instead, they meet in a different business each school quarter. The class meets for about 90 minutes to two hours each day, and it provides two high school credits to the student. In the second half of the class, students are given the opportunity to start their own business. The students draft a business plan, look for investors and generate a profit. At the end of the

here or not here? When those kids go to college, it is usually their first interaction with businesses and the larger world.” Rex Duncan of Perry County CEO hopes the programs in Southern Illinois are as successful as the program in Effingham. “When those students go off to college … we would like to think that they would at least consider coming back home and starting businesses here in Perry County,” Duncan said. Duncan pointed to the population decline in Perry County, saying the it is losing about 75 people each year. “We are losing a high school graduation class every year,” he said. “We can’t afford that kind of loss. We have to start reversing that.” Duncan said in 1972, the Du Quoin population was at about 6,900 people and now it is down to about 6,000. “It is not just Du Quoin,” he PROVIDED BY THE MIDLAND INSTITUTE FOR ENTREPRENEURSHIP‌ said. “It is Southern Illinois Ashley Jamerson (left), a high school student in Effingham’s CEO program, meets with investor Dwight Erskine to in general.” discuss a business plan she developed. Jackson, Perry and Williamson counties will be rolling out the entrepreneurThis program could entice ship program for juniors and seniors next school year. those students to start or keep their established businesses in Bradley said it is one thing Each county has a CEO board semester, the program hosts an Southern Illinois because they responsible for hiring a facilita- for business owners to have the annual trade show to showcase will already have relationships tor for the program and oversee resources to invest money, but their businesses. formed with people who can the time the program leaders “Like every thing else in CEO, operations. Board members help them get it on its feet. are asking for could be even are excited for the program to it is real,” Lindvahl said. “The “It is not economically viable more important. business has to be real and it has get started. “We know everybody is short or sustainable for us to conBrandi Bradley, Williamson to be a stretch for that student.” tinue on the path that we are on time,” she said. “Everybody County CEO Board co-orgaHe said whether or not the nizer, said investors are typically will get more out of the program on,” Duncan said. “We have to students choose to continue, start encouraging young people asked for a $1,000 commitment if we get business and commuit is what they learned in more to stay and start businity leaders to invest their time for three years. She said if a the process. so the kids can learn from them. nesses here.” “Those kids will know things business owner isn’t willing to Hawk said when he looks “That will be the key.” make an investment right away, that only people who own their around Southern Illinois, parThe business community businesses know,” Lindvahl said. they can give a gas card or proticularly Union County, there becoming engaged in these vide business friendly attire for “You can take all the tests and is an issue of “brain drain.” He communities to show the kids the students. quizzes you want. All the presaid a lot of kids are being told Rollie Hawk of Union County there are opportunities in their tend things you want, but none they are smart and have a bright home towns that they maybe of that stuff will teach you what CEO said getting the investfuture, and they have to get out you learn when you actually run ments can be a challenge at first didn’t know existed could be of Union County. because there is some hesitancy a deciding factor in the proyour own business.” “A lot of the kids think if they grams success. to invest in a program without The interaction with CEOs, want a bright future, they have “How are we showing the knowing if it will be successful. bank presidents and other to go somewhere else,” Hawk “There are so many times that opportunities to the young business owners creates a large people that are being raised and said. “By showing these what is you hope something is going network for those high school possible here and what exists, growing up in this area,” Curtis students to lean on to get advice, change things, but people are hopefully it will open their Baird, Jackson County CEO hesitant to invest in tings with Lindvahl said. Board president said. “How do not only their dollars, but also “This is what creates this they know what businesses are wonderful experience,” he said. their time and their passion.” SEE CEO / PAGE 5

June 2015

Southern Business Journal Effingham student Molly Higgs started Molly’s Cupcakes while still in high school. The entrepreneurship class that got her going, CEO program, will be available to juniors and seniors in Jackson, Perry and Williamson counties starting fall 2015.

PROVIDED BY THE MIDLAND INSTITUTE FOR ENTREPRENEURSHIP‌

CEO: Program coming to several schools more so than a school offering.” The Jackson County CEO minds by saying even if they go program will consist of students from Carbondale Community ahead to college they can come High School, Murphysboro and back here and be successful.” Educators in Southern Illinois Eldorado High Schools. Baird said the program will try to are on board with the program keep the number of students as well. under 20. Christopher Grode, MurWilliamson County CEO physboro School District 186 will take children from Hersuperintendent, said he sees rin, Johnston City, Marion Southern Illinois’ greatest and Carterville High Schools. export is employees. Bradley said there are 16 stu“I look at that as we are dents involved. teaching kids how to be great Students from Dongola, workers. We are teaching them Anna-Jonesboro, Shawnee and to be innovators and get jobs,” he said. “What we really need to Cobden High Schools will make do is create jobs, and this entre- up the Union County CEO program in the fall. It will have 12 preneur business or the idea students in the fall. that students can start their Duncan said the Perry County own businesses is just absoCEO program will field students lutely fantastic.” from Du Quoin and PinckSteve Murphy, superintenneyville High Schools and will dent Carbondale Community have eight kids. High School, said this program Each individual CEO program is a way to promote and develop has a website that lists its invesbusiness in Southern Illinois. “The hope is that over a num- tors and ways to invest in the program itself. ber of years you will have quite a few students learning how to start their own business,” he dustin.duncan@thesouthern.com said. “It is really more of a busi- 618-351-5823 ness develop type of tool, maybe on twitter: @zd2000 FROM PAGE 4

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Entrepreneur’s Mailbag

Five traits of successful entrepreneurs

have been involved with small business in some shape, form or fashion since I was a kid. I have spent the majority of my life developing my own ideas, being an ardent student of small business and paying attention to the moves of some of the most successful entrepreneurs of our time. Sadly, I Gray have been unable to bottle this information and sell it as there is no magic formula for success; however, there is commonality. Though vastly different, successful entrepreneurs seem to exhibit some of the same characteristics. Over the years, I have managed to put together a list. The following are my top five entrepreneurial traits.

It takes perseverance.

I have always believed that a dream and some determination can take you a long way. Many would be surprised to learn that the journeys of some of their favorite entrepreneurs are tales of businesses that almost went belly up. Overnight success stories are often few and far between. Those entrepreneurs who succeed often found themselves at the crossroads of success and failure, and they simply made the choice that failure was not an option. As a collegian, one mentor gave me advice that I have leaned on over the years. “Most people give up just before they make it, so don’t give up.” Successful entrepreneurs have mastered the art of perseverance.

and fortune that comes with it. Some owners want only to change the world, while others want to create businesses that offer them a certain quality of life. When I founded The Entrepreneur Café, LLC, I was concerned only with helping entrepreneurs make more money, have more time, gain more control and achieve more happiness and fulfillment from their work. Successful entrepreneurs have unique dreams, goals and objectives. The difference is that no matter how far-fetched their ideas might have seemed, these entrepreneurs found the courage to live their dreams on their terms.

Time for some action.

Some of the greatest ideas ever invented, no one has ever heard of. The number of unrealized dreams out there are too Crush the box. many to count. Many of these How many times have you shortcomings could have been heard the saying, “Think outavoided, if only a little action side the box?” The phrase has had been applied. Success is been so overused that it now just feels like a few motivational not obtainable unless effort is there to match. One of my words strung together. Did the folks at Apple, Google and now favorite sayings from motivational speaker Les Brown is, Uber simply think outside of How do you see your “At some point, you have got the box, or did they kick the box glass? down the street and then jump to be willing to climb up on the up and down on it? Following in roof and kick the ladder away.” For the most part, I’ve Successful entrepreneurs the status quo has rarely leant chosen to see the world understand that a plan without itself to greatness. Successful through rose-colored glasses, action behind it is simply an entrepreneurs are not afraid to regardless of the situation. To empty promise. be creative, different, innovabecome a glass half full kind of individual, it takes one part tive or disruptive. CAVANAUGH L. GRAY (cgray@ personality, one part faith in ecafellc.com) is director of what you are working toward Stay true to “your” business development for The and one part attitude. Success- dream. Entrepreneur Café, LLC, 877ful entrepreneurs have learned 511-4820. For more informato manage the negative enviEntrepreneurial dreams are tion on how to start, grow and ronment around them, elimilike snowflakes. No two are succeed in small business, join nating it if need be in order to alike. Some business owners The Entrepreneur Cafe, LLC on remain focused on the positive. want to become wildly sucFacebook, Twitter or LinkedIn. cessful with all of the fame

Southern Business Journal

June 2015

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June 2015

Southern Business Journal

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Workplace

Recruiting your way to success

hen was the last time you examined your recruiting strategies? How are you attracting and bringing in new talent to fill your positions? Most managers dread the recruiting process and leave it solely to the human resources department. Some leaders prefer to do it themselves, but do it without planning, and they are not at all strategic. In fact, I find that many managers I have worked with over the years would rather keep sub-par employees Holmes-Young in roles that are crucial to their business rather than handle the situation and hire someone who can truly do the job. That is, they just don’t want to put the work in to recruit the talent needed to actually have someone be successful. It can be time-consuming, costly and overwhelming. That’s why you hire a recruiter; either inside or outside, it can sometimes be worthwhile. Let’s examine some of the latest trends in recruiting:

Imagine one-day recruiting This is an awesome concept and possibly not for you, but just listen to this. Quick offers of employment followed by quick response times from candidates. In one actual business day, candidates arrive at your facility, they interview for a position, receive an offer and go through any and all

necessary checks, etc. Can you imagine all of this happening in one actual business day? Offers are made while they are there at your facility. Could your organization ever pull this off? Maybe, with the right pre-work. Consider the possibilities. You would use this for those hard-to-recruitfor and hard-to-fill jobs. The candidates for these jobs are yanked quickly, and this is how you snag them.

Build a talent pipeline

You have seen this idea already. Many are doing this on purpose, or some are doing this without knowing it. Building a talent pipeline is really just storing up applicants for when you need them. You can collect applications or resumes from people who want to work for you or your

organization and save them for when you have an opening. Many do this and have been doing this for years, so you may be laughing at the renaming of this old practice. The difference is that now people are consciously doing it and calling it “building a talent pipeline.”

Passive vs. active talent: Different recruitment strategies are needed Are you following both passive and active candidates? Do you know the difference? Passive candidates are the candidates who have jobs, but are out there keeping their eyes open and thinking about their next career move or their next step up the corporate ladder. Active candidates are, of course, actively searching

for work and everyone knows it. Both are different kinds of people who require that you cast different kinds of recruiting nets.

Build employer brand that engages candidates What is your employer brand? Do you have one? Do you need one? Furthermore, does this employer brand that you have, or will create, engage candidates? Do you want it to? I think you do, and it should. You want people to want to work for you. You want people to want to be a part of your organization. This is where the employer branding comes in.

Don’t waste time on the wrong person for the job We are all guilty of this. We

get caught up in the people, sometimes, and forget about the skills needed. Take some time to truly consider this. Ask yourself this: What skills, talents and abilities are needed to do the job? Now, find someone with those same things. Pull candidates with these things and do interviews. Pick the best out of this pool. Make a match. Done. I make it sound so easy, and I know better. It is a big decision, and it is a big investment of time and much more. Yes, use your “gut,” but do not let this take over. Let information guide you to make good decagons. Involve others. Do not go down the wrongperson path. As you can see, the trends in recruiting today are quite exciting. Some are new, while some are actually tried and true. You have options to utilize. Consider your needs. Let’s see if you can incorporate just a few into your overall business strategy for 2015. At the end of the day, my advice is simple. Don’t make recruiting harder than it needs to be. Simplify. Don’t waste time. Think about what you want your end-result to be. You miss 100 percent of the shots you don’t take. — Wayne Gretzky ANGELA HOLMES-YOUNG is author of “Bring It On: The Aspiring Professional’s Guide to Getting a Leg Up on the Competition.” Her book is available at Bookworm, iTunes Store, amazon.com and barnesandnoble.com. Angela is also the corporate recruiter for National Railway Equipment Co. (NRE). She can be reached at ang_holmes@yahoo.com or @A_Holmes_Young.

Southern Business Journal

June 2015

Money Matters

The ABLE Act: Helping disabled Americans save for the future SCOTT MCCLATCHEY SBJ CONTRIBUTOR‌

‌L

ate last year, President Obama signed into law legislation aimed at giving disabled Americans and their families the opportunity to save for education and other related expenses McClatchey in a taxfriendly vehicle without jeopardizing their federal benefits.

What ABLE offers

Modeled after 529 college savings plans, money invested in Achieving a Better Life Experience (ABLE) accounts can be withdrawn tax free to pay for qualified expenses, including education and job training, transportation, health care and housing. Individuals can amass as much as $100,000 in such accounts without affecting their

eligibility for Social Security Income (SSI) and other federal benefits. Further, Medicaid coverage will not be affected by how much money is accrued in an ABLE account. This legislation marks a major departure from the financial constraints that, up until now, prevented people with disabilities from doing what the rest of us take for granted: setting aside money for future use. Prior to this law, to remain eligible for government assistance, individuals had to report to the IRS any savings in excess of $2,000. (Assets placed in special needs trusts to be used for the benefit of the disabled person continue to be an exception and do not disqualify that individual from receiving his or her government benefits.)

Not a cure-all

Still, some restrictions apply. For instance, to qualify for an ABLE account, an individual must have experienced the onset of his or her disability prior to the age of 26. Each beneficiary can have only one

account, and, while there are no limits on how many family members and friends can contribute to the account, there are limits on how much can be contributed annually. For 2015, the total annual gifting limit allowed is $14,000, an amount that is adjusted for inflation each year. Any account accumulation totals in excess of $100,000 would trigger a suspension of the recipient’s SSI benefits, but Medicaid benefits would continue.

States must get on board

ABLE accounts can be set up starting this year, but, as with 529 plans, individual states must take the lead in making them available to individuals and families. Some states, including California, Maryland and Pennsylvania, already have plans in the works. Generally, beneficiaries must belong to their home-state plan — and spending of account assets can occur only in the individual’s state of residence — although exceptions (and individual state tax benefits) may apply. If the

ABLE account beneficiary dies, any funds remaining in the account may be claimed by the state to recoup expenses paid by Medicaid. While the ABLE Act is by no means a cure-all, it does take a small, important step toward helping millions of disabled Americans live a more independent, fulfilling life. SCOTT MCCLATCHEY is a certified financial planner with Alliance Investment Planning Group, a Carbondale investment firm located at 115 S. Washington St. He can be reached at 618-5199344 or scott@ allianceinvestmentplanning. com. He also provides investment, retirement planning and insurance services to SIU Credit Union members through the SIU

Credit Union Investment Services partnership. Securities offered through LPL Financial, Member FINRA/SIPC.

How to wisely manage financial windfalls MICHAEL P. TISON SBJ CONTRIBUTOR‌

lthough the odds of winning the lottery may be

stacked against you, there’s a chance you’ll receive a large, perhaps unexpected, Tison financial windfall at some point during

your life. Regardless of how it arrives — inheritance, insurance payout, divorce settlement, retirement-plan distribution, sale of a business or company stock options — careful money management is critical to enjoying the money for years to come. Unfortunately, many windfall recipients fail to use their newfound wealth wisely and are left with little or no savings and lots of regret. To avoid joining their ranks, there are important considerations to keep in mind when receiving large cash payouts.

Avoid sudden impulses‌

Most windfalls are squandered during the first days, weeks and months as recipients make impulsive decisions to quit their jobs, take exotic vacations or buy a new house or car. For this reason, the best course of action is often to leave the entire sum in a money-market account for the first six months. This requires a great deal of discipline, but you’ll avoid making irrational decisions and will give yourself time to evaluate your options and develop a solid longterm plan. Many people mistakenly

believe that a large sum of money is the answer to all of their problems. In fact, it often creates new anxiety and stress. By explaining your options and creating a plan, a qualified financial adviser can help manage a windfall.

Invest for long-term gains‌

While using a portion of the windfall to reduce debt and pay bills is often a good idea, investing a significant sum for your future is also recommended, when suitable. The windfall’s potential for appreciation can be significantly increased through

long-term investments in both stocks and bonds. Keep in mind, though, that investing money carries risk. In many cases, investing a windfall can be a difficult decision, but it’s important to remember that, factoring in inflation, cash not invested could be losing purchasing power. Upon hearing about your windfall, friends and relatives may come forward offering financial advice. While they may have your best interests at heart, their advice might not help you achieve your financial goals. SEE TISON / PAGE 13

June 2015

Southern Business Journal

Retired Williamson County resident Robert Bordenave had diagnostic imaging to shed light on his severe stomach discomfort. As it turned out his stomach issue was easily resolved, but the imaging did uncover a tumor on his kidney. Thankfully, interventional radiologists were able to help!

Only a team of skilled Interventional Radiologists at Southern Illinois Healthcare Imaging Services offers renal cryoablation. Now Robert is back to his woodworking—using his talent to make the day a little brighter for those around him.

What is Renal Cryoablation? A minimally-invasive surgical procedure conducted by interventional radiologists that freezes and destroys kidney tumors. Typically patients have a shorter recovery time and a quicker return to normal activity, than with traditional kidney tumor removal surgery.

Call for more information

866-744-2468 LEARN MORE AT SIH.NET/ROBERT

Southern Illinois Healthcare offers diagnostic imaging services in Carbondale, Herrin, Murphysboro, Benton and West Frankfort. *not all services are available at each location 2015 ©

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Southern Business Journal

June 2015

Achievements the industry in general.”

Saint Francis names new IS director

Unimin Corporation’s facility in Tamms was named winner of the IAAP ‘Rock Solid Excellence in Safety Award’ for the fifth consecutive year.

Unimin Corporation in Tamms, Elco honored ‌The Illinois Association of Aggregates Producers has honored both of Unimin Corporation’s Southern Illinois plants with awards for safety and community relations. The Unimin Specialty Minerals plant at Tamms was recognized with the Rock Solid Excellence in Safety Award for the fifth consecutive year, while the nearby Elco plant was recognized with the Gold level award for the second consecutive year. Both plants, Tamms and Elco, also received IAAP’s Community Relations Award. This Rock Solid Excellence in Safety award, the highest granted by the IAAP, is granted to companies that achieve zero Mine Safety and Health Administration reportable or Occupational Safety and Health Administration recordable injuries; and zero final MSHA citations or OSHA serious violations. “We’re extremely proud of this award. Promoting a healthy and safe workplace is our company’s most important core value, and our employees prove our dedication and commitment to it,” said Al Joiner, manager of Unimin’s Tamms and Elco plants. In addition, the IAAP’s Public Information and Education Committee recognized the Tamms and Elco plants “whose community involvement and support have enhanced the public’s perception of the member’s operation and

‌Gene Magnus has been promoted to director of Information Systems at Saint Francis Medical Center in Cape Girardeau. He will be responsible for all of Saint Francis’ application software systems, including the new, systemwide Epic electronic medical record. Magnus started at Saint Francis in 2010 as a senior systems analyst in Information Systems. Most recently, he served as a project leader in the same department and was instrumental in the implementation of electronic medical records for Saint Francis employed physicians. Before joining the Medical Center, Magnus owned a local computer and telecommunications business. “Gene comes highly recommended by his peers and has exhibited a strong customer service and ‘can-do’ attitude during his five years at Saint Francis,” said Edward Duryee, chief information officer at Saint Francis. “I am looking forward to working with him in this new role.”

Marion Eye Centers ends partnership with Surgery Center

to Osman. Since then, the court found that the Surgery Center had failed to operate at a profit for a period of at least the last four consecutive years, and, based upon that and other matters, the court ordered the partnership be dissolved.

Marion Eye Centers welcomes new doctor ‌Marion Eye Centers has announced that Dr. Chris Lochhead is the newest doctor to join the practice. Lochhead, a native of Belleville, attended SIU Edwardsville and earned her Doctorate of Optometry degree at the University of Missouri-St. Louis in 2001. Lochhead has provided Southern Illinois patients with comprehensive optometric care for more than 14 years, and is a member of the InfantSee program, a public health effort designed to ensure that vision care is an essential part of infant wellness. She will be available for patient appointments at the Marion, Carbondale, SIU, Christopher, Du Quoin, Carterville and Murphysboro locations.

Loring Appraisal Service hires three

‌Loring Appraisal Service in Herrin has welcomed three new team members to their staff. ‌Dr. Maqbool Ahmad, presiJennifer Wade of Herrin is an dent of Marion Eye Centers, Illinois licensed associate real announced recently that the Circuit Court of Jackson County estate appraiser trainee and will be working the entire Southern entered an order dissolving Illinois area. Wade has an MBA the partnership that operates from SIU and formerly worked the Surgery Center of Southfor the Herrin Chamber of ern Illinois. Commerce and the Southern Attorney Ron Osman sought Illinois Miners. to have control of the Surgery Ryan Povolish of MurphysCenter transferred to him in 2011. Ahmad, along with his partners, boro recently completed his opposed the transfer. The Illinois initial training and is an Illinois licensed associate real estate Health Facilities and Services Review Board received 115 letters appraiser trainee and will be working the Southern Illinois in support of the transfer of the region. Povolish has a bachelor’s ownership to Osman and 1,600 degree in science from SIU letters in opposition. The board and has extensive real estate approved the transfer of control

Magnus

Ahmad

Lochhead

Witunski

FACES IN THE NEWS Have you been promoted? 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@thesouth ern.com. Find more business news at www.sbj.biz management experience within the Southern Illinois market. Terry Loring of Marion is research manager. Loring is retired from Southern Illinois Power, where he served as a Right of Way agent. He will manage information for the region.

Navy League president elected ‌Skip Witunski, a Tampa resident and West Frankfort native, is the new presidentelect of the Navy League of the

United States. He is to succeed National President James H. Offutt at the organization’s National Convention in June. Witunski was elected to the position after a voting during the Navy League’s Board of Directors meeting in November. A member of the Navy League since February 2001, Witunski has routinely taken on significant leadership positions within the organization over the last decade, currently serving as the Florida Region president and national director.

June 2015

Southern Business Journal

Floored by how Far they’ve come. Get help with your own business at our next workshop! “Starting a business in Illinois” WedNesday, JuNe 17 5 p.M. - 7 p.M. MarIoN ChaMber oF CoMMerCe 2305 W. MaIN street, MarIoN, IL adMIssIoN: oNLy $15!

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Sbdc helps herrin firm get off the ground. Mark Novoa’s unique concept of a mobile showroom to enhance his planned flooring company received a boost from the Illinois Small Business Development Center (SBDC) at Southern Illinois University Carbondale. Novoa said the SBDC was instrumental in helping him move Ground FX Flooring from an idea into a successful business that installs up to 25 floors a week. The business has a traditional showroom and service facility in Herrin but also features a mobile unit, giving customers a new convenient way to choose their flooring. Novoa had no financing and just the shell of a plan for a business when he first consulted the SBDC. After hearing his plan, the center offered to help, and the relationship has continued ever since. The SBDC assistance that Novoa and his wife Amy received allowed them to present information to lenders that resulted in a business loan at a low interest rate. The SBDC also helped create an advertising and marketing plan, essential to the startup of a business. Novoa said they will continue to work with the SBDC and he refers other entrepreneurs there as well. “It’s incredible, it’s free, and it can make an everyday carpet installer like myself become a better business owner.” —Excerpt from University Communications and Marketing at SIU Carbondale.

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

| 11

Southern Business Journal

June 2015

Special Report Charter/Time Warner Cable deal likely to face less static from regulators Cable combination would have had controlled 57 percent of that market. LOS ANGELES TIMES ‌ “I think the outlook is quite solid for approval of this deal,” ‌WASHINGTON — The last said Jeff Wlodarcza, an analyst time Time Warner Cable was at Pivotal Research Group. part of a proposed major corHe noted that Charter will not porate merger, objections by own any programming, unlike federal regulators helped scuttle Comcast, which owns NBCUnithe proposed acquisition of the versal, and that even after swalcompany by Comcast Corp. lowing Time Warner Cable and Now, Charter CommunicaBright House, the new company tions is the suitor, and experts will be smaller than Comcast. said its $56.7 billion deal for Gene Kimmelman, a former Time Warner Cable, announced Justice Department antitrust May 26, stands a better chance official who now is president of getting regulatory approval of the public interest group for a simple reason: The marPublic Knowledge, agreed that riage is smaller. The new company, which AP‌ Charter’s acquisition of Time Warner Cable is much less likely also would include smaller A Time Warner Cable truck is shown on Feb. 2, 2009 in New York. Charter Communications is close to buying Time Warner Cable for about $55 billion, to be blocked by regulators than cable provider Bright House two people familiar with the negotiations said May 25. Comcast’s attempted purchase Networks, would have about would have been. 17.3 million pay-TV customers, But, he added, that doesn’t Charter would have less than nationwide. Comcast/Time compared with the 29 million mean the deal is a slam dunk 30 percent of the high-speed customers of a combined Com- Warner Cable would have been for approval. broadband market under the the largest provider in 17 of the cast/Time Warner Cable. “It’s not at all clear that this latest definition from the Fedtop 20 markets, including not The new Charter would be eral Communications Commis- is in the public interest. There only LA but New York. the largest pay-TV provider are many significant questions sion. A Comcast/Time Warner And after the acquisitions, in five of the top 20 markets JIM PUZZANGHERA AND MEG JAMES

that need to be answered and the burden is on the parties to show that, but it’s clearly less competitively dangerous than the Comcast/Time Warner Cable deal,” Kimmelman said. “It is still enormous consolidation within cable and broadband,” he said. Free Press, another public interest group, said it would carefully examine the Time Warner Cable and Bright House deals. “These potential mergers won’t make Charter as massive as merged Comcast-Time Warner Cable would have been, but they raise similar public interest concerns, and the FCC should apply the lessons learned in its prior review here,” said S. Derek Turner, the group’s research director. Executives from Charter and Time Warner Cable said they were confident the deal would receive regulatory approval and that they hoped it will close by the end of the year.

Fine Print Building Permits

Mid South Capital Investment Group, 701 E. Main St., $100,000 Ashley Furniture, 715 E. Main Carbondale‌ St., $60,000 Marie Blankenship, 1200 N. City of Carbondale, 209 W. Bridge St., $2,500 Kathleen Barnes, 1305 W. Ten- Willow St., $20,000 Earl and Joan Kleidon, 716 N. ney Lane, $30,000 Billy Bryan St., $11,000 Home Rentals, 705 N. James Ernesto Tomas, 1985 N. SteSt., $500 phens Road, $2,500 K. Sermerhein and N. AguiJovo Mdjia And Estrella Godinaga, 405 Deer Trail, $10,000 Selective Site Consultants, 300 nez, 300 Kelly Rea Lane, $7,000 Ghada Naser, 502 W. Walnut S. Marion St., $30,000 St., $10,000 Big House Investments, 408 500 Lewis Lane LLC, 500 S. W. Mill St., $75,000 Lewis Lane, $2,500 Home Rentals, 514 S. Ash St., $500 Heartland Women’s Healthcare, Marion‌ 900 E. Walnut St., $3,044,028 Randy Lewis, 1817 Paula Network Real Estate, 301 N. Lane, $8,000 Illinois Ave., $20,000 Marion Self Storage, 802 S.

Court St., $120,000 Blaine Greer, 1603 E. De Young St., $70,000

Metropolis ‌

Holland Signs, 617 Market St., $490 C & W Auto, 407 W. 10th St., $2,200 Mike Souders, 807 E. Sixth St., $15,000 David Pritchett, 805 Market St., $3,600 Tony Randolph, 20 Barger Drive, $20,000 Newground International, 521 Ferry St., $2,003,836.48 Donnie Lang, 1511 Catherine, $3,000 El Tequila Restaurant, 1407 E. Fifth St., $2,000

Mount Vernon ‌

Gary and Gayla Bradshaw, 512 Broadway, $6,000 Hamilton Chauncey Properties, 1111 Salem Road, $75,000 UMCH Community Connections, 107 N. Shiloh, $0 Abate Chapter 27, 911 Casey St., $0 Leo Miller/BLT Properties, 1111 Veterans Memorial Drive, $0 Ryan and Emily Skibo, 4203 Williamson Place, $15,000 Sherry Meadows, 1810 Briarwood, $2,800 Dennis Hoffmann, 521, S. 20th St., $0 Verizon Wireless, 1501 Harlan Road, $25,000 America’s Choice Loans, 2622 Broadway, $2,500

Jeff Scoville, 630 Oak, $0 Popcorn Pete Show, three locations, $0 Clarence Roberts and U.S. Bank, 2204 Casey, $0 Kenneth Roberts, 840 Airport Road, $0 Holly Stewart, 1625 Forest, $0 Timothy Hall, 801 N. Eighth St., $0 Robert and Samantha Edwards, 2312 Perkins, $500

Murphysboro‌

TPortas Caeli, LLC, 702 Walnut St., $178,000 Mike Mileur, 833 Illinois Ave., $6,700 Craig Mueller, 1841 Hardy St., $1,000

June 2015

Southern Business Journal

| 13

Special Report

US home prices rose at steady pace in March from year ago percent in both cities. At the current pace of sales, the supply of homes would last just 5.3 months, below the six ‌WASHINGTON — U.S. home months that is typical in a balprices rose at a steady pace in anced market. The number of March, pushed higher by a limhomes for sale fell 0.9 percent ited supply of houses for sale. in April from a year earlier, the The Standard & Poor’s/CaseRealtors’ group said last week. Shiller 20-city home price Sales of existing homes have index rose 5 percent in March improved in recent months from 12 months earlier, the S&P after a sluggish 2014. Yet they said Tuesday. Prices increased dropped 3.3 percent to a seaat the same pace in February. sonally adjusted annual rate of Home values are rising at a 5.04 million in April, the Realfaster rate than incomes, potentors said. tially pricing many would-be Home prices have risen for 34 buyers out of the market. Yet straight months, according to current increases have moderated from the double-digit AP‌ the Case-Shiller 20-city index, after plummeting during the gains of late 2013 and early A woman walks across the street from the Venn on Market apartment and housing crash and recession. last year. condominium building on March 17, 2014 in San Francisco. They are still about 15 percent Higher prices have not yet below the peak reached during many cities. The median home where prices rose 10.3 percent convinced enough owners to the housing bubble. and 10 percent from a year list their homes for sale, which sold in just 39 days in April, David Blitzer, chairman of according to the National Asso- ago, respectively. All 20 citcould limit purchases durS&P’s index committee, said ies recorded price gains from ciation of Realtors, compared ing the spring selling season. prices are rising at a faster pace the previous year. Cleveland with 52 in March. Would-be buyers have fewer than their long-term trend. and Washington, D.C. saw the The biggest increases were homes to choose from, which smallest gains, with prices up 1 They also rose more quickly in in San Francisco and Denver, has sparked bidding wars in CHRISTOPHER S. RUGABER THE ASSOCIATED PRESS‌

the past 12 months than average hourly wages, which were up just 2.2 percent. That is “narrowing the pool of future home-buyers,” Blitzer said. Yet those trends may slow price gains in the coming months, he added. “I would describe this as a rebound in home prices, not a bubble and not a reason to be fearful,” Blitzer said. Prices jumped 0.9 percent in March from February, up from a 0.5 percent increase in the previous month. That likely reflects strong sales in March. The monthly changes aren’t adjusted for seasonal factors, such as the increase in sales that typically occurs in the spring. The Case-Shiller index covers roughly half of U.S. homes. The index measures prices compared with those in January 2000 and creates a three-month moving average. The March figures are the latest available.

TISON: How to wisely manage financial windwalls avoid investing the entire sum during unfavorable market conditions — is dollar-cost averagBefore you make any investing, or investing a predetermined ment decision, it’s important to sum of money on a regular basis. review your existing holdings, expected expenses, employment Such a program does not guarsecurity, risk tolerance, taxes and antee a profit or protect against loss in declining markets. It time horizon before retirement. involves continual investments, A professional financial adviser can help you evaluate these vari- so you should also evaluate your ables and craft a long-term plan ability to continue purchases through low price levels. But it to help you achieve your goals. can help even out the market’s One strategy a financial peaks and troughs; it can also adviser might recommend — to FROM PAGE 8

help you resist the urge to time the market, something even professional investors seldom do well for any length of time.

to plan for the future. Because the windfall may push you into a higher tax bracket, it’s also a good idea to discuss what steps can be taken to manage taxes in the coming years. Manage taxes‌ How you spend, save and A large financial windfall will quickly educate any unsuspecting invest your financial windfall will determine whether it helps recipient about the tax strings you achieve your financial goals attached. To determine how much to set aside for taxes, check or leaves you with regret. To with a tax adviser or accountant. learn more about effectively The sooner you can calculate tax managing an inheritance, insurimplications, the easier it will be ance payout, divorce settlement,

retirement-plan distribution, sale of business or company stock options, contact your financial adviser. MICHAEL P. TISON is a senior financial adviser for Wells Fargo in Harrisburg and Marion. He can be reached at 618-253-4444. Wells Fargo Advisors Financial Network, LLC, Member SIPC, is a registered broker-dealer and a separate non-bank affiliate of Wells Fargo & Company.

Southern Business Journal

June 2015

Interested in

growing your business– and expanding your customer base?

Consider government contracting and the Illinois Procurement

Technical Assistance Center (PTAC) at John A. Logan College.

The PTAC provides free support to small businesses interested in marketing their products and services to federal, state, and local government agencies.

• Free customized computerized bid matching • Registrations – we take our clients through all steps needed as required by the State of Illinois and the federal government to be an approved vendor • Certifications – WBE, MBE, SDB, 8A, SDVOSB, DBE, HUBZone, WOSB, EDWOSB • Bid proposal assistance • Market Research • Procurement Histories

For more information on how the PTAC can assist your business, 618-985-3741 or email ptac@jalc.edu

John A. Logan College does not discriminate on the basis of race, religion, color, national origin, disability, age, or gender orientation.

June 2015

Southern Business Journal

| 15

Fine Print Bankruptcies

Michael Wayne and Rayvaughn Lester Jr., 507 W. Oak St., Carbondale ‌Chapter 7 Donald W. Dailey, 108 Park Charles E. and Robin D. Park, Lane, Lot 16, Jonesboro 280 Fair City Lane, Jonesboro Kathryn Lynn PatterLyndal G. and Shelia M. Peebson, 11294 N. County Line els, 501 S. Spillman St., Marion Road, Carbondale John J. and Barbara A. Tucker Brian N. and Amber R. VreeSr., 105 Holmes Circle, Chester land, 213 Laclede Ave., Apt. 3, Tera R. Gist, 305 W. 10th Carterville St., Metropolis Aurelio G. and Linda K. HerTracy Lee and Paula Ann nandez, 10 Palm Lane, MurphysHanks, 6635 Wards Mill boro Road, Marion Kendra W. Nicholson, 703 Dana L. Cheshareck, 100 E. Hartkopf, Marion Warder St., Marion Joseph C. Copeland, 106 Scott Ida Margaret Bury, 102 E. Randolph St., Apt. 317, Pinckneyville St., Marion Jerri L. Hickey, 15740 ThompLarietta R. Majors, 1413 W. Third St., Apt. F4, Mount Carmel sonville Road, Thompsonville Jennifer Lynn McEwing, 808 David S. Valigura, 1009 S. St. Oak St., Carmi Louis St., Sparta Elva M. McCain, 800 McCain Robbie S. Hyatt, 1013 N. JohnLane, Tamms son, Apt. 1, Marion Dannell E. Miller, 28 Sycamore Christina L. Urban, 3671 MosSt., Harrisburg cow Road, Dongola Harold D. and Karen A. Brittany D. Hall, 225 George Downen, P.O. Box 332, Royalton St., Anna Rodney L. Shipp, 2155 E. Jacob Ronald L. Wagenblast Sr., 160 Dewey Road, Apt. 302, Eldorado Road, Jacob Roger F. Cross, 205 W. 19th Timothy R. Charlton, 805 1/2 St., Metropolis S. Russell St., Marion Bobby Gene and Jennifer Lyn Rebecca S. Foster, 1920 W. Borton, 2144 County Highway Monroe, Herrin 13, Xenia Terry L. Fore, 104 S. Liberty, Trisa Ann Willis, 1232 N. 13th, Apt. 4, Marion Mount Vernon Jacqui L. Cripps, 812 WhiteRita F. Lovett, 9469 Noble cotton Drive, Carterville Brandi R. Austin, 817 Fairfield Lane, Apt. 14, Marion Dennis Duane and Violetta Road, Mount Vernon K. Higgins, 1911 E. Clark, Richard W. Dale, 422 N. Main West Frankfort St., Benton Barbara A. Gray, 404 N. 14th Doreen L. Russell, 312 E. 11th, St., Herrin Mount Carmel Patrick L. Lamczik, 451 N. Jason G. Owen, 302 Orchard Maple St., Du Quoin Drive, Carbondale Kimberly J. Stacey, 100 Vine Melvin E. and Sandra K. St, New Haven Howell Jr., 9330 Montgomery Kevin E. Christie, Andrea Lynn Lane, Goreville Johnson, 205 Brooks Drive, NorClifton Lee and Regina Kay ris City Bloodworth, 600 S. BentAndrea Lynn Johnson, 205 ley, Marion Brooks Drive, Norris City Crystal Ann Davis, 112 W. Brad L. and Lynn M. Vogt, P.O. Monroe, Anna Box 16, Pittsburg Justin Wright, 311 E. Cross Billy D. and Linda J. Jones, 701 St., Dongola E. Elm St., West Frankfort John Lavern and Judy Ann Shane A. and Stephanie Phillips, 536 Northwest, D. Durham, 1014 N. Market, Du Quoin David Yeprem Khoshaba, P.O. Mount Carmel Fern L. Kader, 627 E. Broadway Box 672, De Soto

Blvd., Johnston City Larry Gene Runge, 6600 Bluff Road, Prairie Du Rocher Monica Heimgartner, 603 W. Murray, Sesser Rosemary Winters, R.R. 1 Box 180, Elizabethtown David Nathan Jenkins, 1020 Autumn Point, Apt. A., Carbondale Alecia Paige Burk, 15 Gregg Lane, Harrisburg Mark Allen Longshore, 222 N. Linden, Du Quoin Christopher Lee and Emerald Cherese Roye, 2053 Davisville Road, Du Quoin James Paul Seleski, 302 S. Division, Du Quoin Wayne E. Wilda, 147 Village Drive, Apt. 2, Carbondale Carolynn D. Wilda, 152 E. Vienna, Apt. 4, Anna Jennifer Lynn Thoompson, 1117 N. Main St., Dix Desarea N. Duvall, 160 Dewey Road, Apt. 209, Eldorado Jennifer Renee Pittman, 931 County Road 490 East, Albion Cristopher M. Jones, 213 W. Hickory St., Bluford Chelsea R. Jones, 207 Center St., P.O. Box 92, Wayne City Heather R. McKinnie, No. 6 Commanche Drive, McClure Justin McKinnie, 28342 State Highway AB, Essex, Missouri Jeanne Marie Arnold, Route 1 Box 76, Dahlgren Donald R. Turner, 248 Oak St., Zeigler Chapter 13 Chad D. and Melissa C. Hess, 556 County Road 600 East, Norris City Nathan R. Feazel, 5470 Mount Moriah, Harrisburg Mark L. Allen, 4860 Illinois 146 West, Jonesboro Jeremy L. Williams, 401 N. 10th St., Herrin Darren M. and Kimberly A. Romani, 703 W. Webster, Benton Nicholas W. Prestito, 511 E. South Third, Red Bud Airrion G. Swansey Sr., P.O. Box 383, Ullin Ronnie L. and Loretta E. Evans Sr., P.O. Box 241, Pittsburg Susan Ellen Hale, 14163 Pittsburg Road, Marion

Cheryl G. Moore, 709 Bridgewood Lane, Murphysboro David Paul Koen, 205 E. College St., Sparta Charles F. and Mary M. Toler, 620 E. Cypress St., Herrin Thomas Joseph and Kimberly Kay Reinhardt, P.O. Box 513, Tilden Michael D. Perry, 507 N. Mill, Carrier Mills Robert L. and Mary J. Martin, 102 Pecan St., Anna Kenneth D. and Sara L. Wilson, 505 S. State St., Christopher Tina S. Johnson, 6764 E. Mitchell Lake Drive, Mulkeytown Harold E. and Sadie M. Clark, 505 Smith St., Galatia Rebecca Lee, 203 George St., Anna John F. Flora II, 601 W. Idaho, Carterville Grady L. Reid, P.O. Box 263, Mounds Cornellia A. Dickerson, P.O. Box 263, Mounds David L. and Barbara A. Reeder, 2112 Alexander St., Murphysboro Mary Darlene Corzine, 600 Shawnee Meadows, Anna Diana Shered, 602 N. Robert A. Stalls Ave., Apt. A, Carbondale Leland L. Sherrill, 316 N. Williams St., Murphysboro Erik Monte Pannell, 600 1/2 E. Snider St., Carbondale Cathy J. Raymer, P.O. Box 287, Shawneetown Jerry D. and Donna J. Nicholson, 100 Freeda Drive, New Concord, Kentucky William J. Crabtree, 216 W. Monroe, Herrin Benjamin T. Kee, 18689 N. Miller Lake Lane, Mount Vernon James D. and Donna L. Cockburn, 1602 Broeking, Marion Roy D. Bond, 707 E. Florence, Sesser Carla J. Nelson, 425 20th St., Cairo Traci R. Burchell, 1328 Trails Inn, Carterville Dawn M. Corzine, 407 E. College St., Marion Edward J. Marshall, 301 S. Burns Ave., Sparta Signe Charlene Gieser, 304 W.

Mulberry, Pinckneyville Amber R. LaRue, 49 Peaceful Lane, Carbondale Stacy M. Gaston, P.O. Box 591, Murphysboro Eric K. and Wendy D. Breeze, 8898 E. Illinois 148, Waltonville Aaron M. and Kimberly D. Wolfe, 1245 Ramsey Heights Road, West Frankfort David Mark and Paula Jean Mitchell, 631 Illinois Ave., Murphysboro Wendy L. Beake, 558 Pleasant Lane, Jonesboro Keith W. Murray, 315 W. Mill St., Ruma Artie P. and Jacquline S. Karch, 19257 N. Village Lane, Mount Vernon Brittany Dawn Rednour, 7610 E. Richview Road, Mount Vernon Brian W. Flanary, 1111 New St., Lot 7, Pinckneyville Heather D. Smith, 5738 Red Fox Drive, Carterville Charles C. and Samantha Rae Donnell, 719 W. Holmes, Chester Jerry M. and Tina M. Gass, 425 W. Washington St., Dix Jeremy E. Madej, P.O. Box 538, Cambria Joseph C. and Amy Copeland, 10612 Illinois 166, Marion Michael and Kathy Hubbard, 1001 S. Duncan, Marion Larry G. Webb, 311 W. Market, Christopher Mart M. and Lucille G. Clark, 310 Quail Lane, Cobden Michael D. Settle, 807 Harrison St., Apt. 6, Mount Vernon Timothy J. Ratajczyk, 101 E. Flora St, Valier Elmer C. and Michele L. Brandhorst III, 2220 N. Reed Station Road, Carbondale

Calendar

‌Starting Your Business in Illinois Workshops: Rend Lake College will offer free “Starting Your Business in Illinois” workshops from 9 a.m. to noon June 18 and 1 to 4 p.m. July 16 in room 338 at RLC MarketPlace in Mount Vernon. To register or for more information, call the SBDC at 618-242-5813 or email lemayn@ rlc.edu or mowrer@rlc.edu.

Southern Business Journal

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June 2015