SBJ 09-01-10 by The Southern Illinoisan

SEPTEMBER 2010

Directory of Advertisers

Inside S E PT E M B E R

MARION DEVELOPMENT Planning success for the region: With the recent approval of STAR bonds legislation for a Marion destination development came expectations for thousands of construction jobs and thousands more permanent jobs in the projected mega-store(s), water park resort and new-to-the-area retailers. The project will boost tourism throughout Southern Illinois and likely boost our population, too. Now is the time for all of our communities to plan for success; the results will be far more rewarding than if we fail to plan. Learn more about the project and its potential at the Community Leaders Breakfast planned for Wednesday, Sept. 8. Page 4

EMPLOYMENT LAW Workplace drug testing: Not every business needs to test employees for illegal drug use, but in some lines of work, including but not limited to operating dangerous machinery, it is a necessity. Employers who determine drug testing is appropriate for their businesses need to ensure they have a written drug-testing policy that informs employees when and how they will be tested for drugs. There are other important considerations with the policy, which shouldn’t be a do-it-yourself task. Attorney Ed Renshaw offers some of the basics for determining the need for such a policy and how to get it done. Page 7

FORMULAS FOR SUCCESS Building the ‘confidence connection’: Many people lose touch with their authenticity as they aspire to and

20 10

achieve leadership positions. Many people suppress the naturally occurring masculine-to-feminine qualities that exist in men and women and tend to emphasize masculine skills. It is better, though, to be fully self-aware, which leads to confidence, which allows authenticity to come forward. Learn more about successful leadership from speaker, trainer and facilitator Jane Sanders. Page 9

Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL, 62901, or at P. O. Box 2108, Carbondale, IL, 62903. Also reach us on the Web at www.sbj.biz and via e-mail at SBJ@thesouthern.com. The Journal is published 12 times per year monthly, and

Bad news on the jobless front: The jobless rate for the region moved in the wrong direction from May to June, climbing a full 1.0 percent to a 10.2 unemployment rate for the 18 counties of Southern Illinois. Despite some encouraging predictions for the national economy – recent drops in first-time unemployment claims – four counties saw the jobless rate grow by 2.0 percent or more in only a month. Hardest hit were Alexander, Franklin, Hardin and Massac counties. Elsewhere in the indicators, there are bright spots for the per-gallon price of gasoline avoided a big mid-summer spike and hotel/motel stays in Carbondale grew over the same month one year earlier. Pages 12-13

ACHIEVEMENTS Catch up: Find out who has been hired, who has been promoted or who has received an award for their efforts in business. If you know of a business or business person who deserves special recognition for advanced training, a unique honor or an expansion of business, please let us know at sbj@thesouthern.com. Pages 19

Publisher: Bob Williams n 618-351-5038 Editor: Gary Metro n 618-351-5033 Advertising: Abby Hatfield n 618-351-5024

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

Feirich, Mager, Green & Ryan.............. 17

Glass Haunt ........................................ 6

Hyannis Air Service ............................ 15

INDICATORS

Edward Jones Investments .................. 7

Jim’s Mobile Offices and Homes .......... 7

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

Midwest Backgrounds, Inc. ................ 17

Oliver and Associates, Inc. ................ 10

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

Property with TLC, LLC .......................... 6

Sandberg, Phoenix and Von Gontard .. 17

SIU Credit Union ................................ 22

Southern Illinois Healthcare................ 24

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

University Mall .................................. 13

Circulation: Trisha Woodside n 618-351-5035 Database Coordinator: Mark Doman n 618-351-5042

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

SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Cover Story ‘Black diamond’ gaining new sparkle Tougher regulations on eastern coal, new technologies and growing demand help Illinois coal BY LES O’DELL SBJ CORRESPONDENT

Unless we are directly involved in coal mining or have family in the industry, we may not often consider the abundant natural resource found under the surface of our region. Yet without the coal and mining, the economic landscape of the area would be drastically different. For that reason, business leaders both in and out of mining keep careful watch on the prospects for Southern Illinois coal. For the most part, they like what they see on the road ahead. “Coal is absolutely very important to all of us,” Julie Patera, executive director of the Southeastern Illinois Regional Planning and Development Commission says. “It is one of the top industries in our region — definitely in the top three or four, and it goes way beyond the mines.” Patera explains mines employ many Southern Illinois residents, as do related industries including transportation, heavy equipment and mining supplies. She says the economic benefits trickle down to practically everyone in the region. Coal industry insiders add that the industry plays a vital role in our everyday lives. Practically all of the electricity serving Southern Illinois homes and businesses is generated by a coal-fired power plant. Nationally, coal represents about half of all energy production. “Coal is the single biggest energy source of electricity in the nation, followed by natural gas and nuclear,” says John Mead, director of the Coal Extraction and Utilization Research Center at Southern Illinois University Carbondale. “However, when we look at how coal is used, most of it — at least 85 percent — is used to make electricity.” W. Scott Ramsey, president and general manager of the Southern Illinois Power Cooperative, says the reason for the demand is simple: the public desires inexpensive electricity. “Some say they want to replace coal, but that’s not going to happen in our

SBJ FILE PHOTO

A conveyor belt sits idle at the Kinder Morgan Energy Partners' coal terminal at Cora. Coal is unloaded from railcars and stored at the terminal before being loaded onto barges on the Mississippi River. A tugboat, (inset), pushes a barge being loaded with coal toward the dock at a site along the Mississippi River just south of Chester.

Find more business news at www.sbj.biz. lifetime,” he explains. “It has taken four or five generations to develop what we now have that gives electricity that is both reliable and reasonably priced. When you do the math of how much power we consume, it won’t be there if we take away coal.” The Southern Illinois Power Cooperative is located near Lake of Egypt. The plant provides electricity to seven SEE COVER / PAGE 4

SOUTHERN BUSINESS JOURNAL

SEPTEMBER 2010

Cover Story FROM PAGE 3 distribution cooperatives in Illinois as well as several communities. In total, SIPC is the power behind electrical power for 250,000 people, generated primarily from the combustion of Southern Illinois coal. The national desire for inexpensive and reliable electricity has been a boon for Southern Illinois coal, despite a high level of sulfur in the area’s coal reserves. When high-sulfur coal is burned, the result can be emissions high in pollutants. Still, Illinois coal is a popular choice for energy production — totaling as much as 34 million tons annually, according to the Illinois Coal Association. The group’s president, Phillip Gonet, says even with governmental pressure to reduce emissions the market for Illinois coal is increasing for several reasons: new technologies in using coal, increased domestic demand and growing export possibilities.

New technology “For Illinois coal, any technology reducing sulfur and emissions is the

hitting point,” says Josh Carter, vice president of operations for Knighthawk Coal. Carter’s company operates six mines in the region. “Any type of clean coal technology will benefit Southern Illinois.” The new technologies are the focus of SIUC’s Mead. He administers a number of on-going research projects designed to improve the usability of high-sulfur coal. One such effort is to turn mined coal into smaller molecular parts that can be cleaned up more easily. The process is called gasification. “Even though it is the highest form of technology, I think it has the biggest potential return for Illinois coal,” Mead explains. “Using gasification, we can make electricity more efficiently and with lower pollution levels. Gasification also may be a very effective pathway to removing the carbon dioxide. It is a very important technology.” Mead says a second area of interest is the development of methods to remove carbon dioxide from conventional power plant designs. Power plants often are required by federal regulation to remove carbon dioxide from emissions through the use of

scrubbers that, in essence, capture the gas in the flue or smokestack after the combustion process. Most Illinois power plants, including the Southern Illinois Power Cooperative’s units, already have scrubbers in place. Other plants across the country are just now installing scrubbers, which makes Illinois coal more attractive. “With the Environmental Protection Agency pushing cleaner air regulations, that gets coal plants without emission controls to put them on. That means they’ll be in the market for lower-price coal, putting the focus on Illinois coal,” adds Ramsey. Many area analysts are hopeful that more advances will come through the recently-downsized FutureGen project, which will focus on modified combustion and carbon dioxide capture and storage. Once planned for Mattoon, the project recently was retooled for implementation in a retro-fitted power plant near Springfield. “I think that proving any technique that may be compatible with the way we are using coal today could be a significant advance for Illinois coal,” Mead says. He adds that researchers are looking for

other ways to make coal an even more important energy resource. “The future of coal is going to be the future of advanced technology,” he adds. “Incorporating advanced technology and concepts in the lab today will give us domestic energy options.”

Domestic demand “The future is very bright, even as Congress talks about carbon constraints or other legislation that could potentially harm the coal industry,” Gonet says. “Yet, there are seven permits for new coal mines in the state. If all of those start production, that could add another 34 million tons of coal to production.” One of those permits is for the New Prairie State Energy Campus, a $4 billion energy production facility near Marissa. The facility will utilize clean-coal technology to reduce emissions and will sell power to cooperatives and municipal utilities across the Midwest and into the east, Mead says. Prairie State will have its own mine and is expected to burn six million tons a year. SEE COVER / PAGE 16

Want to cash in on Marion development? Want to take advantage of the multimillion-dollar Marion destination development that will bring jobs, tourism and new money to Southern Illinois? For your business? Your community? You’ll get some answers and perhaps a strategy in the Community Leaders Breakfast planned for Sept. 8 at John A. Logan College in Carterville. The interactive program will explore the economic development for our region through the creation of thousands of jobs and millions in sales at the destination development, which is planned for undeveloped land at Illinois 13 and Interstate 57. “Our Community Leaders Breakfast programs have built a strong sense of community for our region. We want to get everyone planning for the successes that are ahead,” said Bob Williams, publisher of The Southern Illinoisan and Southern Business Journal, which sponsor the leaders breakfasts.

Williams

Metro

Williams said Marion and many other communities will reap big benefits from the destination development, which will be anchored by mega-size retailers new to the region, a water park resort, eateries and entertainment venues. As many as 6,000 permanent jobs will be created after a construction phase creating a similar number of jobs. Williams said the development will draw visitors from across the Midwest, boosting tourism across the region, triggering spin-off developments and

growing the region’s permanent population. “Gov. Pat Quinn said the project would create jobs for a lifetime when he signed the STAR bonds legislation needed to launch the project. He was right on the money about that,” Williams said. “Now it’s time for everyone in Southern Illinois to brainstorm ideas that will benefit the whole region.” The facts about the project will be explained by the lead developer, Bruce Holland of Swansea, who led development of the Southern Illinois Miners ballpark and is overseeing football stadium construction and basketball arena renovation at SIU. Explaining the region-wide potentials associated with such a project will be Bridgette Jobe, director of tourism for the Kansas City, Kan.,-Wyandotte County Convention and Visitors Bureau. A similar destination development transformed Jobe’s region from a neglected suburb of Kansas City, Mo.,

into one of the state’s largest tourism attractions. Breakfast guests will be able to submit questions that will be answered by Holland and Jobe, said Gary Metro, editor of The Southern Illinoisan and Southern Business Journal. Metro will serve as the moderator for the panel discussion, in which local leaders also will participate. “This interactive breakfast will let people ask the questions that have the most meaning for their community. A town that prides itself on antiques or cultural attractions, for example, might want suggestions from Holland and Jobe on how to capitalize on their existing strengths,” Metro said. The breakfast begins at 7 a.m. in the main building at John A. Logan College. Registration is required by Sept. 2. The cost of $15 includes a full breakfast buffet. To register, go online at www.sbj.biz, or call The Southern Illinoisan at 618-351-5002.

SOUTHERN BUSINESS JOURNAL

SEPTEMBER 2010

Personnel PROFILES | PREVIEWS | HUMAN RESOURCES

The use of credit checks in Illinois during the hiring process BY BRIAN CHAPMAN SBJ CONTRIBUTOR

Most of you are probably aware by now that Illinois Gov. Pat Quinn signed legislation Aug. 10 banning the use of credit reports when conducting a pre-hire background check or for using Chapman them for promotional purposes, with some exceptions, as listed below. This will take effect Jan. 1, and undoubtedly will create confusion at many businesses and human resources departments. Let me help you create order out of legislative chaos. Here are some of the exemptions; “those with management responsibility, those with signing authority over as little as $100 or access to personal, financial and confidential information. It exempts law enforcement and financial institutions and has no effect on other kinds of background checks.” So, here is the question. Is it legal to run them or not? Though this seems like an extreme move by the state, this is already law in Hawaii, Washington and Oregon, with 16 other states trying to push legislation involving the use of credit checks. If you are a customer of a consumer reporting agency (third party background company), you already know our industry

has been discouraging the blanket use of credit checks for the last four to six years. We currently recommend the use of credit reports for executive level and financial positions. The National Association of Professional Background Screeners has been working with background companies and Society for Human Resource Management for the last several years to create consistency with employers and businesses, adopting this same standard. Currently, all four states with a ban in place have exemptions defined in their statutes. Under the new law, employers may access credit checks under limited circumstances, including positions that involve the following: bonding or security per state or federal law; unsupervised access to more than $2,500; signatory power over businesses; assets of more than $100; management and control of the business; access to personal, financial or confidential information, trade secrets, or state or national security information. Law enforcement and financial institutions are exempt. Knowing the exemptions, you still need to be aware of this law during hiring. This does cause concern for Illinois employers and for employers outside Illinois hiring Illinois workers, as it is another pre-hire hurdle that you need to negotiate. The penalty for using them beyond the exemptions is civil judgment, similar to age discrimination, etc. If you have any questions, you will need to get advice from your attorney and/or your consumer

reporting agency (background company). I have provided some information below that has been associated with this legislation so you can see how much attention this has attracted in the last few years. Current legislative bans: Washington in 2007; Hawaii in 2009; Oregon on July 1; and Illinois effective Jan. 1. States that have support for or legislation in the works include New York, New Jersey, Pennsylvania, California, Massachusetts, Wisconsin, Tennessee, Maryland, Vermont, Oklahoma, Ohio, South Carolina, Missouri, Michigan, Connecticut and Georgia. The Society for Human Resource Management reports that 60 percent of employers run credit checks, up from 40 percent in 2006. However, only 13 percent of the 60 percent run credit checks on all employees, a total of 8 percent, which also means that 40 percent of employers do not run credit checks on any employees, including executives. In 2008, a survey by the Association of Certified Fraud Examiners found that the two most common red flags for employees who commit workplace fraud are living beyond their means and having difficulty meeting financial obligations. Our industry, SHRM, the Chamber of Commerce and the business community have lobbied against the legislation nationwide. It has garnered much attention from community organizations, unions and local legislators that do not

understand the limited manner in which businesses are currently using these reports already. Again, according to SHRM, only eight out of 100 employers nationwide use them on all employees, a number that will be reduced a little more as each state enacts legislation. Credit reports are still a good, effective tool during the hiring process, along with all the other tools if you choose to use it. If you are currently using them or start using them, we believe it is prudent to understand and take into consideration the economic situation in the last 24 months; the credit report should be looked at as a whole (seven-year running history) and not just a snapshot of time. Many people do have situations that force economic turmoil; i.e., a divorce, a major medical situation, a death in the family, etc. These short snapshots should be reviewed with the applicant or at least considered when making your hiring decision. To get a better understanding of the applicant, look at the seven years the credit check reports, and look at the seven-year consistency. BRIAN CHAPMAN is executive director of Midwest Backgrounds Inc. (www.mbiworldwide.com), a nationally recognized human resources organization providing background checks, drug screening and other HR solutions. He is also a partner in Chapman Investment Group LLC, a company formed to invest in other business and real estate ventures.

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SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Employment Law R ESU LTS

R ESU LTS

Is workplace drug testing the right choice for your business? BY ED RENSHAW SBJ CONTRIBUTOR

There is no doubt that illegal drug use by employees can have serious consequences for a business. Drug use can increase workplace accidents, endanger other Renshaw employees, impair product and service quality, increase absenteeism and health care costs and reduce productivity. All of these undesirable results may tempt an employer to begin a drug testing program for employees and job applicants. It’s a big step, so the pros and cons of a drug testing program should be investigated before that step is taken. Perhaps the single most important question to consider in deciding whether to begin a drug testing program is this. Why do I need a program? While this question seems simple, it is a question many employers don’t even consider before jumping headlong into a drug testing program. Many employers just assume that a drug testing program is a good thing for the business. However, employers should consider what they hope to accomplish by drug testing. Not every company needs to test its

employees for illegal use of drugs. Certainly, if employees are engaged in hazardous activities, such as operating bulldozers or chainsaws, drug testing makes sense. But, if copiers and staplers are the most dangerous equipment your employees operate, drug testing them may not be the best choice. Of course, there are other businessrelated hazards which have nothing to do with physical danger. Drug use that results in poor product quality, poor customer service, theft or increased health care costs can be just as hazardous to your business as physical injuries. So, if an employer believes drug use can significantly injure the business, drug testing may be the right call. Remember, though, if you don’t know what you are trying to accomplish by drug testing, it may be an unnecessary expense and risk. If you determine that drug testing is appropriate for your business, it is vital that you install a program that reduces the risks that drug testing can bring. Drug testing of employees in Illinois is legal, but if the testing is not conducted fairly and accurately, lawsuits will follow. So, be aware of the following factors. First, make sure you have in place a well written drug testing policy that informs employees when and how they will be tested for drugs. The policy must contain meticulous procedures to insure that employees know exactly

what is expected of them and what is expected of the company. And, following those procedures to the letter must be of utmost importance. Second, do your best to get your employees on board. The program should not be an ultimatum thrown down from on high. Employees should be educated as to the purposes for the drug testing which benefit them in the workplace. Further, they should be assured that you are not trying to be “Big Brother,” controlling their offwork activities. Third, establish under what circumstances you will conduct drug testing. It is common for employers to do pre-employment testing, postaccident testing and reasonable suspicion testing. However, many companies also may do random testing of all employees. You need to tailor the drug testing to your business needs; if accidents are your biggest concern, you may have no desire to do random testing. The more types of testing you do (pre-employment, post-accident, reasonable suspicion, random), the greater the chance that you will create employee unhappiness. Many employees will see drug testing as an invasion of privacy, which no one really likes. So, if you can limit the situations in which drug testing is conducted, while still accomplishing your goals for the testing, keep it simple. Finally, don’t attempt to “do it

yourself.” Do your homework and make sure you hire a reputable testing service or laboratory that has procedures and safeguards in place to assure accurate testing. It’s probably fair to say that more litigation over drug testing arises out of the procedure for the testing rather than the drug testing policy itself. If employees’ privacy is invaded by too-watchful specimen collectors or if the laboratory’s procedures are shoddy and result in inaccurate or untrustworthy results, resulting lawsuits can easily wipe out any financial benefits the testing provided the business. Initiating a drug testing program should not be a knee jerk reaction to what other businesses are doing. There are pitfalls in a program that doesn’t fit your business needs or that doesn’t do a good job in conducting fair and accurate testing for drugs. Before you leap in, do your homework, which might include a call to an attorney. ED RENSHAW is a partner with the Carbondale law firm of Feirich /Mager/ Green /Ryan. F/M/G/R is a general practice law firm offering a full range of legal services, including labor and employment law, commercial transactions, banking, real estate, workers’ compensation, municipal law and estate planning.

Find more business news at www.sbj.biz.

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Southern Illinois University Carbondale Congratulates Operation Bootstrap #4 Graduates Benton Kevin Edwards Buckner Charles Tuggle Bush Clifton Bailey Carbondale Abbey Margolis Jamie Leftwich Twangie Holman Victor Brown Rachel Cristaudo Sharifa Stewart Steven Johnson Dorothea McFarland Amanda O’Connor Lori Sailiata Carterville Tom Harness Kimberly Clemens Jennifer Rose Christopher Michelle Salingue

Cobden Deborah Musgrave Coulterville Christopher Wright DuQuoin Colleen Shupe Gregory Olkoski Rebecca Harris Richard Johnson Jodi Schoen Jackie Mills Jonesboro James Basse Makanda Chris Klarer Shirlee Riegger Marion Sherry Porter Murphysboro Angelique Kuehl Tamaroa Loretta Cloninger

www.operationbootstrap.biz Operation Bootstrap is an entrepreneurship training program, hosted through a partnership between the Delta Regional Authority and Southern Illinois University, designed to help train, fund, and launch 133 new companies throughout the southern Illinois region in 2009-2010. For more information about the program, please contact Operation Bootstrap at 618-453-2070 or startbiz@siu.edu.

September Monthly Members Luncheon & Entrepreneurship Mini Conference Long Distance Business: Skype Demonstration • Hands on How-To: Social Networking • Low Cost, No Cost Marketing • Excel with Great Customer Service Entrepreneurship Panel Luncheon Featuring: Jason Bourque, Common Grounds Coffee House Sam Cox, My Favorite Toys; Shad Zimbro, Black Diamond Harley-Davidson • Ribbon Cutting with new Chamber member, Liaison Technologies

$5 Member / $10 Non-Member • Call 618-549-2146 to register

September 14th, 2010 • 8:00AM - 1:00PM

SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Formulas for Success R I S K-TA K E RS

R ESU LTS

Authenticity: The confidence connection BY JANE SANDERS SBJ CONTRIBUTOR

The most savvy leaders understand that their character and vision, required for businesses to consistently compete and win, spring from their natural gifts and Sanders strengths — their authenticity. As people, both men and women, have aspired to leadership positions, or simply to be the best manager they can be, many have suppressed their natural balance of masculine-to-feminine qualities, trying to fit into the “man’s world” of business. Both genders are a blend of these two qualities naturally, but circumstances cause us to lose touch with our own innate mix. Both men and women often turn to male models for direction (because most mentors and high-level managers are men) and succumb to unspoken, albeit unintentional, male pressure to be like them. They undermine their instinctive feminine traits in favor of their masculine skills. (In this context, feminine does not mean girlie. It means inclusive, nurturing, caring, collaborative, empathetic, harmonious, participative.) Bottom line, many people have lost touch with their authenticity. Self-awareness and confidence are required to get it back. These three elements are interdependent. Self-awareness leads to confidence; confidence allows authenticity to come forward. People often try to find confidence from outside sources. This method will bring temporary results at best. Anna Freud, daughter of Sigmund, also the founder of child psychoanalysis, once said, “I used to look outside myself for strength and confidence, but it comes from within. It is there all the time.” The challenge for us is to dig deep

enough inside to find our own strength and confidence, and then when we find it, to use it — to apply it to our personal and professional lives. It is this confidence, found through selfawareness, which brings us back to our authenticity. Authenticity involves living your truth, with integrity. It gives leadership its breath and pulse, and gives power to being real, not to being right. It involves leading with your natural gifts and strengths. Warren Bennis, leadership author and guru, said, “Effective leaders and effective people understand that there is no difference between becoming an effective leader and becoming a fully integrated human being.” Carol Gallagher, author of “Going To The Top,” wrote, “Your colleagues and bosses won’t give you credit for being genuine in business if they cannot give you credit for being genuine as a person.” There are no standard how-to instructions for being authentic because everyone’s authenticity is unique to them. The key is to learn how to discover what your specific authenticity looks like. Again, doing so requires confidence and selfawareness. A lack of self-awareness can result in someone being risk-averse, indecisive, a poor negotiator, rigid, aloof, defensive, inconsistent or overly concerned with getting ahead. This same person may run over employees, not delegate enough, and generally lack integrity. Their communication may become too harsh, too weak and ineffective; they lack intuition and creativity; and their behavior may be inconsistent. People lacking awareness don’t promote themselves effectively; they work in isolation and don’t tend to mentor others; and they have trouble delivering difficult messages. Think about it. How could these behaviors affect business results? Client relationships? Your team? Your career? The quick and easy answer is … certainly not in a positive way! Many tools and processes exist to help people become more self-aware.

These include self-reflection, which, if taken seriously and approached in a committed fashion, can be quite insightful. Self-reflection activities can include identifying strengths, passions, skills, roadblocks and dreams. Also, it can include values, personal vision, what’s draining you, how you want to be remembered, what would feel unfinished if not completed in your life, and many more. My “From Stuck To Stellar — Action Planning for Life and Career” workshop involves these insightful activities. Other tools for self-awareness include 360-degree feedback surveys, books, tapes, workshops, coaching, counseling, journaling and selfassessments. The benefits of healthy selfawareness are many and positively impact business and personal environments. Self-awareness improves your effectiveness in working with others by giving you insight into how your behavior affects them positively or negatively. It gives you confidence in decision-making, and helps you negotiate with others about difficult issues more skillfully and appropriately. Self-awareness gives you more confidence in your future; with improved awareness of your personal vision and values, you can more easily determine the approaches to take to achieve your goals and to anticipate the obstacles that come your way. Selfawareness offers you invaluable peace of mind and provides the courage needed to take necessary, yet calculated, risks. Successful leadership, whether professional or personal, requires authenticity, which in turn calls for committed self-awareness. Confidence, a key component of effective leadership, stems from self-awareness, and I’ll discuss this element more next month. As Lao-Tsu philosophized, “He who knows much about others may be learned, but he who understands himself is more powerful. He who controls others may be powerful, but he who has mastered himself is mightier still.”

JANE SANDERS is a speaker, trainer and facilitator in the areas of gender communication, strategic business or work/life planning, presentation skills, authentic leadership confidence, recruiting and retention of women, and selling to women. She also facilitates brainstorming, best practice, and strategic planning sessions and retreats. Jane’s clients include Toyota, MassMutual, Prudential, US Steel, Walgreen’s, Mayo Clinic, and many more. Located in Mount Vernon, she is the creator of the Undercover Confidante service, offering discovery and solutions to challenging employee issues. Jane is author of “GenderSmart: Solving The Communication Puzzle Between Men and Women,” available on her website. Reach Jane 618-204-5540, jane@jane sanders.com or www.janesanders.com.

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SOUTHERN BUSINESS JOURNAL

SEPTEMBER 2010

Small Business Policy manuals could prove formidable for small businesses BY CAVANAUGH L. GRAY SBJ CONTRIBUTOR

Last month, I packed a bag, grabbed a menacing-looking folder from my file cabinet and set out for an undisclosed location for a weekend of work. As The Entrepreneur Gray Café LLC has grown, it has always been my intention to develop a formal policy manual, one that would be envied by small businesses everywhere. However, it did not take long before I realized that I was in over my head. My goal was to turn this process from what some view as a scary encounter with

human resources into a document that will rally employees and help drive small business growth.

place where people see a future and want to come and work?

Covering the legal bases Seeing the big picture At the outset, I wanted to create policies and procedures that would serve as a powerful tool for recruiting and boosting company morale. In bouncing some of these ideas off of advisory members, contractors, interns, friends and family, I wanted to know if the culture of The Entrepreneur Café LLC is one that individuals can buy in to. I wanted to know if our style of business (how we operate) is and will be respectful of an employee’s personal life. I examined company benefits and the attractiveness of future benefits. Long story short, does our policy manual portray us as the progressive company that we would like to be and a

One of the things that quickly became apparent was that the relationship I have between my company and contractors versus full-time staff is dramatically different and is governed by more laws than I realized. In working through this project, the three categories that seem to warrant the most attention and could cause the most future problems are the following: ? Harassment and discrimination: It is important to me that I affirm our commitment as an equal opportunity employer in every respect. We are also looking to make plain that the company will not tolerate harassment or illegal discrimination, and we are trying to

outline the steps and processes for handling any potential violations. ? Wage and hour issues: This section of our policy is looking to address the days and hours of the workweek as well as the rules that govern the workday. We are also looking to establish clearer guidelines for categorizing employees. ? Safety: Work hazards will be less of a daily concern for a service-based company like ours versus a manufacturing company; however, I will have to address any potentially dangerous work-related issues in order to be in accord with state and federal regulations. Developing a policy manual for your company is not for the faint of heart, and the amount of internal information to be covered could be endless. It is no wonder SEE SMALL BUSINESS / PAGE 11

SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Elder Law New Medicaid rules threaten life estates BY RICHARD HABIGER SBJ CONTRIBUTOR

It took Illinois nearly five years, but we are finally going to be in compliance with a federal law that became effective Feb. 8, 2006. The federal law is called the Deficit Reduction Habiger Act of 2005, and it radically changes the rules of Medicaid qualification for the payment of nursing home expenses. For those who have already conveyed their home to their children or other heirs, but retained a life estate, the DRA threatens their ill-advised effort to protect their home. The new Illinois rules implementing the DRA were published Aug. 13 in the Illinois Register. Thus, they could become effective as early as Nov. 13 or as late as sometime in the spring of 2011. More on the effective date of the new Illinois DRA rules may be available in next month’s column. The new Illinois rules, 281 pages long, contain many provisions that will affect almost every senior in Southern Illinois who will need nursing home or other long-term care at any time in the future. In other words, every senior who has a home, savings, investments or other assets will be profoundly affected should they need, at any time in the future, financial assistance to help them to remain at home, or for care in an assisted/supportive living facility or nursing home. Many readers of this column are concerned with the new “look-back” period and whether the action they have already taken will be sufficient to prevent

the loss of their home and savings when the new rules come into effect. So, that is where I will begin my analysis of the new rules. Section 120.388 of the new rules, titled “Property transfers on or after Feb. 8, 2006,” makes all gifts or transfers to any person or organization, even a church or charity, made at any time on or after Feb. 8, 2006 subject to the new rules. Specifically, subsection (g) provides for the look-back period. The provisions of this section apply to any asset transfers (occurring on or after Feb. 8, 2006) made 60 months before the date on which the person is both an institutionalized person (as defined in subsection (c) of this section) and has applied for medical assistance.” In other words, the new rules are going to be applied retroactively to Feb. 8, 2006, as of the effective date of the new rules, and will look backward to see if there have been any transfers during the prior five years. The backward-looking five-year period begins when the person is in a nursing home and has filed a Medicaid application. Let’s look at the facts of a real case. In January 2006, Mary (not her real name) heard about the new federal law. So, she went to the attorney her deceased husband had previously used to have the attorney draw up a deed transferring title of her home to her three children. She told the attorney that she did not want to lose her home paying for nursing home care. The attorney recommended that she retain a life estate (i.e., a right to live in the home for the rest of her life). Today, although Mary transferred title to her home more than five years ago, she continues to have an interest in her home, i.e., her life estate. Under the new rules, a life estate has a value based on Mary’s life expectancy (as determined under current

SMALL BUSINESS FROM PAGE 10 why entire industries exist to handle nothing but these types of issues. No matter how detailed you decide to get, it is important to make sure that employee(s) sign off on the fact that they have

actuarial tables published by the Office of the Chief Actuary of the Social Security Administration). Accordingly, the government will place a lien on the life estate should Mary need financial assistance in paying for care at home, in an assisted/supportive living facility or in a nursing home. In order to avoid the possibility of a lien being placed on her home, Mary asked whether she can simply transfer the life estate to her three children. Unfortunately, I had to tell Mary that the transfer for less than fair market value would create a penalty equal to the cost of care. In other words, if the value of her life estate is $65,000, and the cost of her nursing home care will be $4,000 per month, there would be a penalty of 16 months and 7.5 days. (Unfortunately, Mary’s penalty period will not begin until she is in a nursing home — or receiving a nursing home level of care), has “spent down” her assets to $2,000, otherwise qualifies for Medicaid, and has filed an application for Medicaid to help pay for her nursing home care. Penalty periods and how to calculate them will be covered in a future edition of Southern Business Journal.] In Mary’s case, there were several courses of action that could be taken to protect Mary and the value of her life estate from both a lien and a penalty period. For example, her children could: (1) purchase the life estate for fair market value as specified in the new rules; or (2) provide care to Mary that would allow her to continue to stay at home until such time as she might need a nursing home level of care. (There are other options that would be available if the facts of Mary’s case were different.) Both of these options have hazards lurking in the new rules that will create “gotchas” for many who might be inclined to do their planning on their

received and read the handbook, and that they will seek clarification about any unclear aspect. Being thorough in this process could go a long way in meeting the needs of your staff and in building the kind of culture that many would want to be a part of. CAVANAUGH L. GRAY is the director of business development for The Entrepreneur Café L.L.C. in Carbondale. He can be

own or with an attorney who lacks sufficient Medicaid experience. In Mary’s case, she and her children agreed to pursue the second option. However, this is going to require substantial work to avoid a loss of the home. For example, there will need to be a formal written contract, and the caregiving children will need to keep very detailed records of their care-giving time and expenses. In addition, Mary or her children will need to obtain a detailed statement from her physician that “explains why the person needed personal or home health services ... and specifies the services appropriate to the person’s needs.” There are a number of other cumbersome and onerous details that are either required by the new rules or ought to be undertaken if Mary is to be in the best position to avoid the loss of her home. As the foregoing case demonstrates, while the new DRA rules make it more difficult to protect a home and other assets, it is not impossible. Even where a person already is receiving care at home or is in a nursing home, there is no need to roll over and allow the government to confiscate a home or lifetime savings. But, it requires the elder, or someone on his or her behalf, to not delay and to consult with a very experienced and knowledgeable elder law attorney who can help avoid land mines buried in the new rules just waiting for families to make a miscalculation traversing the federal DRA minefield created by the new Illinois rules. RICHARD HABIGER is author of the Illinois edition of “How to Protect Your Family’s Assets from Devastating Nursing Home Costs: Medicaid Secrets.” He is an elder law attorney who focuses on asset protection, Medicaid and VA benefits. Contact him at 618-549-4529 or info@habigerelderlaw.com.

contacted at cgray@ecafell.com or 618-206-7013. For more information on developing a policy manual for your company or for ideas on how to start, grow and succeed in small business, be sure to follow The Entrepreneur Café LLC on Twitter at www.twitter.com/ theecafe or at www.ecafellc.com.

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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 May 2010

2009

2008

2007

2006

2005

51.9 29.7 248.2 16.6 20.7 43.2 83.7 65.9 5.0 279.2 32.0 209.1 54.1 36.7 12.9 29.2 51.1 15.9 36.8 47.7 $1,369.6 $59,058.0

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

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

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

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

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

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

The CFMMI is a monthly estimate by major industry of manufacturing output in the Seventh Federal Reserve District states of Illinois, Indiana, Iowa, Michigan and Wisconsin. It is a composite index of 15 manufacturing industries, including auto and steel, that uses electrical power and hours worked data to measure monthly changes in regional activity. It is compared here to the national Industrial Production index for Manufacturing (IPMFG). Base year is 2007. Starting in November 2005, the index excluded the electricity component. 105 104 103

IPMFG June 10 90.4

102 100 98 94 90 88 86 84 82

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

81 80

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

3,174 18186 2804 4252 1844 30662 21091 5246 7547 9588 1995 2954 15645 13203 8113 8625 7657 34401 196987 6695983 154767000

Jobless 377 2470 284 414 235 2671 2029 590 822 1218 225 366 1406 1346 1009 675 660 3383 20180 708039 14885000

June 2010 11.9% 13.6% 10.1% 9.7% 12.7% 8.7% 9.6% 11.2% 10.9% 12.7% 11.3% 12.4% 9.0% 10.2% 12.4% 7.8% 8.6% 9.8% 10.2% 10.6% 9.6%

May 2010 June 2009 10.0% 11.0% 9.2% 8.0% 10.7% 6.8% 8.6% 9.6% 8.9% 11.2% 9.7% 10.6% 8.1% 9.0% 11.0% 7.1% 7.7% 8.6% 9.2% 10.0% 9.3%

12.7% 13.0% 10.2% 9.0% 10.9% 7.6% 9.2% 10.6% 9.8% 12.2% 10.5% 11.3% 8.9% 9.5% 10.7% 8.0% 8.5% 9.1% 10.1% 10.5% 9.5%

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

Change month p p p p p p p p p p p p p p p p p p p p p

2.0 2.6 0.9 1.7 2.0 1.9 1.0 1.6 2.0 1.5 1.6 1.8 0.9 1.2 1.4 0.7 0.9 1.2 1.0 0.6 0.3

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

76 74

CFMMI June 10

0.8 72 79.4 0.6 70 0.1 68 0.7 66 1.8 64M J J A S O N D J F M A M J ’10 ’09 1.1 0.4 SOURCE: FEDERAL RESERVE BANK OF CHICAGO 0.6 1.1 0.5 0.8 1.1 July 10 July 09 Change 0.1 0.7 MONTHLY TOTALS 1.7 594 205 p189.8% 0.2 YTD TOTALS 0.1 0.7 2448 807 p203.3% 0.1 2009 2008 Change 0.1 ANNUAL TOTALS 0.1 2,750 2,636 p 4.3%

Williamson County Regional Airport passengers

COMING September 17th Don’t miss our fall issue focusing on the wine industry in Southern Illinois.

www.LifeandStyleSI.com

I S I N Consumer credit score

Credit scores are numeric reflections of financial behavior and credit worthiness and they are based on information included in a credit report. Ranging from 330 to 830, a higher score means a lower credit risk. Scores are from July 2010.

698

Murphysboro

Region

699

692

State

U. S.

O R S U of I Flash Index

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

New vehicle sales June 10 June 09 13 82 19 27 4 111 62 29 24 55 6 18 89 72 48 38 37 159 893

694

SOURCE: EXPERIAN

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

Change

q 23.5% q 33.3% 0.0% p 17.4% q 50.0% q 31.9% q 33.3% q 17.1% q 33.3% p 1.9% q 33.3% p 100.0% q 20.5% q 18.2% p 17.1% q 32.1% q 30.2% q 32.3% q 23.9%

17 123 19 23 8 163 93 35 36 54 9 9 112 88 41 56 53 235 1174

2009 137 989 184 224 94 1,348 842 353 278 565 85 124 936 719 447 515 471 1,868 10,179

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

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

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

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

July 10 91.6

Q1 10 Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Williamson ILLINOIS

4 58 1 0 3 67 45 16 21 28 3 1 30 28 17 121 21,242

Q1 09 2 59 0 3 2 58 51 14 21 30 2 2 22 22 14 122 17,194

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Change

p 100.0% q 1.7% NA q 100.0% p 50.0% p 15.5% q 11.8% p 14.3% 0.0% q 6.7% p 50.0% q 50.0% p 36.4% p 27.3% p 21.4% q 0.8% p 23.5%

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

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

q q

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

Hotel/motel stats

Consumer Price Index

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

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

Mar 10 Mar 09 MONTHLY TOTALS YTD TOTALS $1,551,848

Change

$588,283 p

$634,575

$1,616,593 q

2009 ANNUAL TOTALS

2008

7.9%

220

U.S. city average June 10 218.0

218

4.0%

Change

$7,520,856 p

Change

MEDIAN SALES PRICE Q1 10 Q2 09

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

$24,500 $51,250 $25,000 $0 $146,000 $108,000 $60,000 $91,500 $59,900 $56,000 $30,000 $74,000 $65,950 $43,500 $58,000 $160,000 $144,600

Total units sold, including condominiums

’10

216

214

212

2.7% 210

Home sales

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

$7,725,727

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

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

$8,500 $38,400 $0 $27,500 $52,000 $73,200 $55,000 $105,000 $85,000 $44,500 $19,500 $15,000 $83,500 $70,250 $67,500 $180,000 $145,000

Midwest urban June 10 207.9

208

Change

p 188.2% p 33.5% NA q 100.0% p 180.8% p 47.5% p 9.1% q 12.9% q 29.5% p 25.8% p 53.8% p 393.3% q 21.0% q 38.1% q 14.1% q 11.1% q 0.3%

206

204

200 J

A ’09

M ‘10

SOURCE: U.S. DEPARTMENT OF LABOR

Prices at the pump Average price per gallon of regular, unleaded gas as of Aug. 26 and July 21, 2010.

Aug 10 Metro East Springfield Illinois U.S. SOURCE: AAA

$2.67 $2.63 $2.77 $2.70

July 10 Aug 09 $2.74 $2.71 $2.81 $2.72

$2.62 $2.58 $2.68 $2.62

SOUTHERN BUSINESS JOURNAL

SEPTEMBER 2010

Special Report R ESU LTS

R ESU LTS

Tragedy of the anti-commons: Why decisions never seem to get made BY J. FRED GIERTZ SBJ CONTRIBUTOR

The tragedy of the commons is a wellknown problem related to poorly defined property rights. More than 40 years ago, Garret Hardin wrote a now-famous article about the problems Giertz created when no one has ownership rights over valuable resources, that is, where everyone has free access to a resource. The idea comes from the medieval commons of manors, where land was set aside for the use of all of the manor’s inhabitants. Shared resources, such as the commons, often result in overuse to the detriment of everyone concerned. Each person will use the commons without regard to the long-term consequences with the result that the fertility of cropland will be depleted, grasslands will be over grazed, forests depleted of game and rivers overfished. The modern version of this phenomenon is illustrated in overfishing and whaling in the oceans, misuse of water resources of lakes and rivers, misallocation of the radio spectrum and even roadway congestion that results when driving is free in busy areas. The solution to the tragedy of the commons is to allow private (or government) ownership of valuable common resources so the owner will take into account both the benefits and costs of an activity. A rational farmer will not allow farmland that he owns to erode and lose its fertility from overuse because it will reduce the long-term value of the asset. Government restrictions on fishing and hunting are also a way of addressing the overuse problem, as are restrictions on the entry into congested national parks. The moral of the tragedy of the commons is that well-defined

ART SERVICES

Even though Champaign Park District owns the Virginia Theatre, there are residual ownership claims such as those of the Illinois Historic Preservation Agency because of the theater’s historic designation.

ownership and control of resources is preferable to the unfettered access. More recently, a related problem has been noted — the tragedy of the anticommons. This is a situation where so many different entities have some type of ownership rights (the ability to exclude others from the use of an asset) that it results in a virtual paralysis, where valuable resources cannot be exploited effectively. For example, sometimes multiple patent and copyright claims make is very difficult to use assets effectively. There are several relevant examples. What could be simpler that renovating a historic structure such as the Virginia Theatre in Champaign? Even though

Champaign Park District owns the theater, there are residual ownership claims such as those of the Illinois Historic Preservation Agency because of the theater’s historic designation. This has resulted in the ongoing controversy about whether the theater marquee should be a rectangle or triangle and whether the sign should be neon. This debate over an issue that 99 percent of the population would consider irrelevant is still unresolved after many months of controversy. Should it take 50 years to build an airport? In 1968, preliminary plans were made to locate an airport south of Chicago. This is now associated with the Peotone site. Earlier this year, the state

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was attempting to assemble land for the airport even though the project has never been finally approved, which means that completion would be at least a decade away. Reasonable people differ about whether a Peotone airport is desirable, but it should not take more than 40 years to make a decision. The indecision is the result of multiple interests groups with varying interests and ownership claims being unable to SEE SPECIAL REPORT / PAGE 23

SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Mark Your Calendar EV E N TS

Sept. 1 Beginning Access 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext 8510 or e-mail cbi@jalc.edu.

985-2828, ext 8510 or e-mail cbi@jalc.edu. Time and Stress Management: 8:30 a.m. to 4 p.m., Room F109, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $90. Call 618-985-2828, ext 8510 or e-mail cbi@jalc.edu.

M E E T I N G S 985-2828, ext 8510 or e-mail cbi@jalc.edu. Starting a Small Business Workshop: 1 to 3 p.m., River Room, Shawnee Community College, 8364 Shawnee College Road, Ullin. Free. Call 618-634-3254 or e-mail gabrielef@shawneecc.edu.

Sept. 14 and 16

Sept. 2 Beginning QuickBooks 2009: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext 8510 or e-mail cbi@jalc.edu.

Sept. 9 Visio 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-9852828, ext 8510 or e-mail cbi@jalc.edu.

Microsoft Publisher 2007 (Level 2): 6 to 9 p.m., Room K1134A, Shawnee Community College, 8364 Shawnee College Road, Ullin. Cost is $55. Deadline to sign up is Sept. 7. Call 618-634-3254 or e-mail gabrielef@shawneecc.edu.

Sept. 7

Sept. 13

Sept. 15

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

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

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

Sept. 8

Sept. 14

Sept. 16

Intermediate Access 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-

Beginning Excel 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-

Intermediate QuickBooks 2009: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call

618-985-2828, ext 8510 or e-mail cbi@jalc.edu.

Sept. 21 Intermediate Excel 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext 8510 or e-mail cbi@jalc.edu.

Sept. 22 Team Building: 8:30 a.m. to 4 p.m., Room F109, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $90. Call 618-9852828, ext 8510 or e-mail cbi@jalc.edu.

Sept. 28 Advanced Excel 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext 8510 or e-mail cbi@jalc.edu.

SEE CALENDAR / PAGE 17

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SOUTHERN BUSINESS JOURNAL

SEPTEMBER 2010

Your Business Smart hires: Patients in recovery BY KRIS SHERRILL SBJ CONTRIBUTOR

In previous articles, I shared ways you and your company can serve the community and prevent substance abuse by engaging our youth and young adults with your time, talents Sherrill and resources. Being a mentor is not difficult. It just takes the desire to make a difference in someone’s life. But, what if that person did not have that role model and went down the wrong path for a while? How does the person trying to regain a normal, productive life go about convincing others to help in the process? A poll conducted by Peter D. Hart Research Associates and Robert M. Teeter’s Coldwater Corporation found that 27 percent of employers reported they would be less likely to hire someone in recovery. Why should you care about becoming part of the solution? According to the Substance Abuse & Mental Health Services Administration, “substance abuse costs the taxpayers of America more than a quarter of a trillion dollars a year.” So, before making your next hiring decision, may I encourage

you to consider the following scenario from my colleague Colleen Flannagan, area administrator for TASC (Treatment Alternatives for Safe Communities) Inc.?

Why hire someone in substance abuse recovery? John Smith interviews for a position at your firm. A review of his résumé shows he has the educational credentials and eight years experience in the position you are hiring for, followed by a oneyear gap in employment and five years of employment at a lower-level position. You inquire and Mr. Smith discloses that during this time he addressed a substance abuse condition and has been in full remission for the last five years. At this point in your interview, would you decide against hiring Mr. Smith or would you, based on your initial positive impression, continue to consider him for employment? What I am going to suggest is that Mr. Smith may have come to the interview with not only specialized education and experience, but also with the life experience that could optimize the likelihood of an excellent hire. Many individuals successfully recover and maintain a recovery-based lifestyle; however, because of the stigma related to alcoholism and addiction, they have

According to the Substance Abuse & Mental Health Services Administration, ‘substance abuse costs the taxpayers of America more than a quarter of a trillion dollars a year.’ chosen to remain anonymous. However, during the last 10 years, there has been a ground swell of advocacy as many former addicts have stepped out into their communities to educate the legislators, social service providers and employers that they are healthy and productive citizens in our communities. Large portions of individuals in recovery have established positive life practices and the resiliency to which many of us are still striving. These practices not only benefit the individual but can also enhance job performance. The ability to maintain a sober lifestyle requires personal insight, the ability to recognize and effectively deal with stress and to become proactive in problem solving. The person understands the importance of service to others and has the knowledge and

support to maintain sobriety skills, which enhances all areas of their lives and our community. Recovery is one day, one task and one person at a time. Someone in recovery can bring these ideals to your place of employment. This article is not suggesting that everyone with a history of substance abuse is a good candidate for employment, but it does ask that it not be an automatic rejection of a viable candidate. If, before reading this, you were in the category of an automatic decision against hiring Mr. Smith, I hope this article provides you with a starting point to reconsider this practice. If you would have proceeded in keeping Mr. Smith in the possible candidate group, I commend your decision and want to say thanks for helping our community become more resilient. If you would like more information, I recommend the advocacy websites: www.facesandvoicesofrecovery.com and www.jointogether.com. KRIS SHERRILL is coordinator of community health for Southern Illinois Healthcare. She can be reached at kristine.sherrill@sih.net or 618-457-5200, ext. 67834.

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COVER: New technologies and growing demand help Illinois coal FROM PAGE 4 “The opening of the plant means that Illinois coal production will see a noticeable increase,” Mead explains. “It’s not replacing another power plant; it’s a completely new site that won’t be taking business away from any existing Illinois operation.” Governmental regulations restricting some mining in other states will benefit Illinois, Gonet adds. He says that prohibitions against a process called mountain top mining may reduce coal exported from Appalachian states by as

much of 80 million tons per year. “The replacement for that coal has to come from somewhere, and we think it might be Illinois,” he says. Additionally, many eastern power plants are installing scrubbers. “As you do that, the problem of highsulfur coal goes away and with the price spike of Appalachian coal from the new regulations, Illinois coal becomes attractive because it is less expensive.”

Export opportunities “For the last year or more, China has not exported any coal; they are using all

that they can produce as well as some imported coal,” Gonet says. “Australia also has had some production problems recently.” He adds that with the extensive transportation system behind Illinois coal, especially the system of rivers, a growing amount of Illinois coal is headed overseas. SIPC’s Ramsey calls the situation a unique paradox. “On one hand, the EPA is, in some ways, trying to reduce coal usage, while other countries are ramping up their coal consumption. There is a growing demand

for coal around the world.” Gonet says that growing demand— paired with clean coal technology—makes for a bright future for Southern Illinois coal. “We have thousands of years’ worth of energy content in Illinois coal,” he says. “Our coal is plentiful and easy to get to, so the nation will look to us for their energy needs.” LES O’DELL of Carbondale is a frequent contributor to the Southern Business Journal, Life & Style in Southern Illinois magazine and The Southern Illinoisan.

SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

CALENDAR FROM PAGE 15

Sept. 28 and 30 Microsoft Word 2007 (Level 1): 6 to 9 p.m., Room K1134A, Shawnee Community College, 8364 Shawnee College Road, Ullin. Cost is $55. Deadline to sign up is Sept. 21. Call 618-634-3254 or e-mail gabrielef@shawneecc.edu.

Sept. 30 Beginning Word 2007: 8:30 a.m. to

4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618985-2828, ext 8510 or e-mail cbi@jalc.edu. Advanced QuickBooks 2009: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext 8510 or e-mail cbi@jalc.edu. Starting a Small Business Workshop: 9 to 11 a.m., Pulaski Business Center, 330 Enterprise Lane, Mounds. Free. Call 618-634-3254 or e-mail gabrielef@ shawneecc.edu.

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SOUTHERN BUSINESS JOURNAL

SEPTEMBER 2010

Achievements AWA R DS

P RO M OT I O N S

Lingle participates in familiarization trip

is operations assistant/information technology specialist. The school addressed the important JoAn Lingle from the Carbondalebased JoAn’s Journeys recently participated elements of community banking. in a familiarization trip to Punta Cana, Bovee recognized Dominican Republic. Lingle went with other travel agents and for excellence in sales a representative from Apple Vacations. Cheryl Bovee of Carbondale, an While she was there, she toured 10 resorts independent senior sales director with The and attended several dinners with resort Pampered Chef since 1990, received a 2010 directors. Excellence Award in Personal Sales and JoAn’s Journeys can plan destination Organizational Sales Volume during the weddings, family vacations or just company’s national conference in Chicago. getaways to Punta Cana, DR and many For more information about The other destinations. Pampered Chef or to learn how to become a To reach Lingle, call 618-529-4046. consultant, call Bovee at 618-529-4850.

Folden to participate in Future Leaders Alliance

Russell named department chairman at Lindenwood

Sarah Folden, administrative assistant at Murphy-Wall State Bank in Pinckneyville, has been selected to participate in the Future Leaders Alliance program offered through Illinois Bankers Association. This 18-month leadership program is dedicated to enhancing the professional development of new and promising bank leaders through three primary components: education, community service and networking.

Dr. Keith Russell, a 2007 doctoral graduate of Southern Illinois University Carbondale, has been named chairman of the English department at Lindenwood University-Belleville. Russell previously served as an associate professor of English at the university’s St. Charles, Mo., campus.

R E T I R E M E N T

to introduce consumers to Scentsy products. She can be reached at 618-521-0229.

Bank earns five-star rating Bank of Whittington has earned a 5-star rating from BauerFinancial, Inc., Coral Gables, Fla., a leading independent bank and credit union rating and research firm.

Troutman awarded certificate Williamson County Treasurer Bruce Troutman recently was awarded the chancellor’s certificate in public administration from the University of Missouri-St. Louis. To qualify for the certification, Troutman was required to attend at least 100 hours of public administration training offered by UMSL’s Public Policy Administration Program at meetings of the National Association of County Collectors, Treasurers and Finance Officers.

exclusive retailer in Southern Illinois. He can be reached at 618-253-GEMS (4367). Established in Canada in 1998, Embee Diamonds operates a boutique-style diamond cutting and polishing atelier, and plans are under way to establish a specialized training academy for diamond sales professionals.

Middleton presents program at symposium Steve Middleton, a certified athletic trainer at Woodard Wellness Group in Carbondale, served as a co-presenter at the National Athletic Trainers’ Association’s Annual Symposium June 22 to 25 in Philadelphia. Middleton presented the program, “Yoga Therapy for the Hip,” to a group of more than 200 athletic trainers.

Local florists compete for best showpiece

Five local florists recently competed for the Best Showpiece Award at the Toni Intravaia, director of Creative Crossroads Community Hospital Healthy Dance Workshop, served as the guest Woman anniversary event. teacher, speaker and panelist for Sacred Lena’s Flowers & Things, Deanie’s, Dance Guild’s Conference last week at Blossom Shop, Easton’s Flowers, and CIC honors Brandenburg University of Connecticut in New London, Kroger’s all participated by creating oneDean Brandenburg, a certified Conn. of-a-kind floral showpieces that were on insurance counselor with Oliver & Intravaia, a published author, has taught display prior to the anniversary dinner. Associates in Carbondale, recently was at SIU and continues working with dancers Attendees were asked to vote for their KFVS 12 and Fox 23 KBSI honored for his ongoing pledge to favorite piece and bid via silent auction to partner for 9 p.m. newscast education, commitment to excellence and at the Creative Dance Workshop. She works with Sydelle Fauch and Ed Benyas take home their favorite piece. dedication to the insurance profession. KFVS-TV in Cape Girardeau is in the summer ballets presented in Marion The floral showpiece that received the The Society of Certified Insurance expanding its local news effort with the and Carbondale. most votes and went for the highest dollar Counselors presented Brandenburg with a addition of an hour-long local newscast amount was created by Easton’s Flowers. formally inscribed certificate for his that will air on local Fox affiliate KBSI-TV. All monies raised during the silent auction UCCS receives three-year continued participation in the CIC Starting Oct. 1, Heartland News will air were donated to Easton’s charity of choice, program. seven nights per week at 9 p.m. The local accreditation The Granada Center for the Performing newscast at 9 p.m. on Fox 23 KBSI will be Union County Counseling Services, Inc., Arts. in addition to the newscasts that currently Walker is top seller recently was awarded a three-year air on KFVS 12. With the expansion, KFVS accreditation for its programs by CARF Brenda C. Walker of Energy, an Kinter receives 12 will produce more than 30 hours of local independent Scentsy consultant, was one International, an independent non-profit Seven Seals Award news each week. accrediting body. of the company’s top 100 achievers from Fox 23 KBSI currently airs a half-hour Capt. Richard Kinter with Illinois State UCCS is a non-profit organization with April through July, and she won an allnewscast at 9 p.m. that is produced by expense paid trip for two to Boston Sept. 27 the main offices at 204 S. Street in Anna. It Police District 19 in Carmi recently local NBC affiliate WPSD. received the Seven Seals Award from the has provided community mental health to Oct. 1. Employer Support of the Guard and services in Union County since 1972. Scentsy, a six-year-old Idaho-based Reserve. Rendleman, Cripps graduate company, offers a line of fragrance bars, Kinter received ESGR’s Above and electric warmers and more. More than Sirius Star available from bankers’ school Beyond Award on behalf of the entire ISP 100,000 independent consultants sell Dawne Rendleman and Sarah Cripps, at J. Bacher Fine Jewelry last October. His nomination for the Seven employees of First Bank & Trust Company Scentsy products. The Sirius Star Diamond is now available Seals Award, which is given to recognize Walker has been an independent of Murphysboro, recently graduated from at J. Bacher Fine Jewelry, 301 N. significant achievement in promoting consultant for Scentsy since December. The Community Bankers School. Commercial St., in Harrisburg. ESGR objectives over a sustained period of Rendleman is a loan assistant and Cripps She hosts home shows and basket parties Joe Bacher is Embee Diamonds’ first time, was initiated by National Guardsman

Intravaia speaks at conference

SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Achievements AWA R DS

P RO M OT I O N S

and Illinois State Trooper Matthew Haywood through the State Chairman of ESGR Dr. Michael Ayers.

Luker named Trooper of the Year Timothy W. Luker has received the Illinois State Police District 19 Trooper of the Year Award. Luker recently attended an awards ceremony in Springfield that honored ISP districts’ Trooper of the Year recipients.

Davis, Marlow receive IBA appointments

R E T I R E M E N T

Transformation project, putting 91 people to work and building a sustainable broadband network to support economic development in Southern Illinois. With this funding, Shawnee will be able to build out its broadband network and significantly increase the speed of the network. In total, the proposed broadband expansion will serve 1,209 households, 438 businesses and 35 public schools, libraries, law enforcement offices and medical care facilities in Cave-in-Rock, Elizabethtown, Rosiclare, Golconda, Eddyville and Gallatin County.

Personal Investments RETIREMENT | INSURANCE

Could a Roth IRA conversion affect a student’s financial aid? Run the numbers, because the answer could be ‘yes’ BY SCOTT MCCLATCHEY SBJ CONTRIBUTOR

An underreported story. In 2010, we have a wave of IRA owners Catherine Bencini has been awarded converting statewide Telecommunicator of the Year traditional IRAs to for 2010 by the Illinois State Police. Roths. There are all Bencini has served 15 years in customer kinds of compelling service with ISP District 13. She has reasons to make received several commendations and is that move. Yet for McClatchey often recognized for her professionalism, some IRA owners, competence and willingness to assist the conversion may have an unintended others. consequence: It may reduce their son or Arleen Simmons has been awarded ISP daughter’s chances for college financial District 19 Telecommunicator of the Year aid. for 2010. A Roth conversion will increase your taxable income. As some scholarships, Johnson named Country Financial grants and loans are awarded based on representative income levels, a big jump in adjusted Joshua Johnson of Centralia has been gross income could potentially named a financial representative for jeopardize them. This can be a problem Cripps reappointed Country Financial. if you’re a “millionaire next door” who to board of directors Johnson earned a bachelor’s degree in wants your kids to exploit financial aid Michael Cripps, president and CEO of business administration this year from as much as possible. The First Bank and Trust Company of That income must be recorded on the Murphysboro, recently was reappointed to Eureka College. He serves clients from his Country office at 814 Harrison St. in FAFSA. Universities commonly use the the Illinois Bankers Association Illinois Mount Vernon. Free Application for Federal Student Aid BancService Corporation Board of as a test to determine whether a student Directors. is eligible for grants, loans and some As a board member, Cripps will manage scholarships. The FAFSA is all about Find more business news the business of the corporation, which is family income — factors like net worth responsible for identifying, developing and at www.sbj.biz. and invested assets don’t come into marketing a program of products and play. Mom and Dad’s higher AGI could services in a profitable manner to positively Let the region know mean lower levels of financial aid impact the performance of Illinois financial because the income boost from the Roth Have you been promoted? Has a institutions. conversion will make it look like Mom colleague at work completed an intenand Dad can now shoulder a greater sive continuing education program? Shawnee Telephone Others in the business community will percentage of education costs. awarded funds for upgrade want to know it, so please consider A New York Times article offered an passing on your milestone employment Shawnee Telephone Company recently example. Take a hypothetical family of news to the Southern Business Journal. has been awarded $7.35 million in grants four with total 2010 income of $75,000 Feel free to email the information to and loans from the federal government and and one college student. For every sbj@thesouthern.com or fax a written $1 million in state matching funds for its $10,000 of taxable income stemming update to 618-457-2935. Southern Illinois Sustainable Broadband from a Roth conversion, the parents’

Susan E. Davis and Kathy A Marlow from Murphy-Wall State Bank in Pinckneyville have received appointments to Illinois Bankers Association committees. Davis is executive vice president and chief operating officer of the bank. She was reappointed to the Human Resource Committee. Marlow is vice president and senior operations officer of the bank. She was appointed to the Technology and Operations Committee. Founded in 1891, IBA brings together state and national banks, savings banks and savings and loan associations of all sizes in Illinois. Collectively, IBA represents nearly 90 percent of the assets of the Illinois banking industry.

Bencini, Simmons receive ISP awards

expected annual contribution to that student’s education would go up by $3,200 in a FAFSA estimate. In April, Mark Kantrowitz (publisher of FastWeb.com, an online scholarship directory) told Financial Advisor Magazine that the Department of Education had requested universities to recognize the effect of 2010 Roth conversions on family incomes. No evidence suggests colleges are doing this en masse. Financial aid decisions are often based on multiple years of income. Keep this in mind. IRA owners who go Roth this year are well aware that they may divide taxes on the conversion across the 2011 and 2012 tax years. That decision may affect family incomes for those years, and possibly chances at student loans, grants and scholarships through 2013. If your kids are young, time is on your side. If your children are a few years or more away from college, you can make a Roth conversion without having to worry about its impact on FAFSA applications. Any potential Roth IRA conversion should be analyzed for its impact on other aspects of your family’s financial life. The impact on college financial aid is but one factor to consider. The potential long-term benefits of a Roth IRA conversion are considerable. Confer with a financial consultant to see if the decision is appropriate before you elect to make the move. SCOTT MCCLATCHEY is a founder and LPL Financial Advisor with Alliance Investment Planning Group, a Carbondale-based investment firm at 115 S. Washington St. He can be reached at 618-519-9344 or scott@allianceinvestmentplanning.com. Securities offered through LPL Financial, Member FINRA/SIPC.

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SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Business Fine Print PERMITS | BANKRUPTCIES

Building permits Carbondale City of Carbondale, 501 S. Washington St. $7,020,000 Calli’s, 760 E. Grand Avenue, $20,000 Southern Illinois Fitness, 609 S. Illinois Ave. $6,500 Arnold’s Market, 2141 S. Illinois Ave. $19,000 Party City, 1242 E. Main St. $602,000 TJ Maxx, 1246 E. Main St. $1,120,000 Srinivas Gundala, 3255 Cinnabar Point, $20,000 Evelyn Rawls, 3002 W. Kent Dr. $12,000 James Helfrich, 104 N. Bleyer, $10,000 Jerry Monteith, 808 S. Skyline Drive, $17,000 Carter Land Trust, 1500 W. Freeman St. $6,000 James Boone, 507 Eason Drive, $2,500 Home Rentals, 310 E. College St. $97,000 Nick Earll, 1456 E. Grand Ave. $8,000 Deweese Trust, 1002 S. Glenview Dr. $10,000 Steven Schauwecker, 1505 W. Taylor Dr. $8,000 James and Sharon Pope, 809 W. High St. $9,000 Rebecca Baker, 103 S. Maple St. $13,000 J. Burnett, 211 S. Hewitt St. $7,000 Luanne Wolf, 227 S. Giant City Rd. $8,000 Joanne Evans, 207 S. Emerald Lane, $700 Home Rentals, 603 S. Forest Ave. $500 Daron Brown, 113 S. Glenview Dr. $500 Perkoff Trust, 300 Eason Dr. $5,000 Nolan Wright, 1403 W. Freeman St. $3,000 Keith Stiff, 2002 E. Creekwood Dr. $500

Herrin Fredilu Toms, 909 N. 12th St., $2,600 Kennan Adams, 816 Stoneybrook St., $10,000 Southside Lumber, 1300 S. Park Ave., $50,000 Adam Falknor, 211 Newman Drive, $13,000

Marion Kent Kronbal, 1109 Early Bird Lane, $30,000 Tammy and Randy Nguyen, 1813 Dew Drop, $15,000 Blumenstock Construction, 1201 Hoover St. $50,000 Kathleen Vanni, 3208 W. Main St. $1,200 Brenda Mullins, 1103 E. Union, $47,000 Eleanor Chandonait, 203 Westernaire, $4,500 John Dodson, 403 N. Madison, $2,000 Gary McGee, 411 Charlotte, $70,000 Bill Stewart, 1006 N. Radcliffe, $20,000 John Perry, 800 Morningside, $5,000 Dean Hammond, 906 W. White, $5,000 Susan Swingles, Hartkoph and Boulevard, $90,000

Mount Vernon William Scholz, 605 24th St. $0 Byford Wilson Body Shop, 314 Johnson Alley, $21,000 Buffalo Wild Wings, 227 Potomac, $950,000 E.E.C. Inc. LLP, 1009 9th St. $0 Marvin Edwards, 52 Pecan Ct. $600 Raymond Stewart, 300 10th St. $0 Larry Scrivner, 500 Liebengood, $141,000 Terry Wilson, 3423 Nature Trail, $6,000 Jack Weems, 311 Castleton, $12,000 Real Life Radio Foundation, PO Box 248, $0 Logan Street Baptist Church, 601 21st St., $0 Charles Schepel, 15481 Fairfield Road, $14,500 Mount Vernon Airport Authority, 100 Aviation Drive, $580,000 First United Methodist Church, 1201 Main, $0 K&P Small Engine Clinic, 1709 B Harrison, $50 Illini Ice, LLC, 1601 10th St. $125,000 Oak Grove Village, 123 Juniper, $6,700 Larry and Doris Shields, 16720 E. IL Hwy 15, $32,000 Wal-Mart, 110 Davidson, $8,732

Murphysboro Marion Eye Center, 1934 Walnut St., $4,800 St. Andrews, 724 Mulberry St., $6,000 Gerald Hartline, 1821 Division St., $3,000 St. Joseph Memorial Hospital, 2 S. Hospital Drive, $1,440,028 Paul Rozelle, 1511 Roberta Drive, $1,300 Wal-Mart, 6495 Country Club Road, $32,000 Keith Roberts, 1021 N. 14th St., $800 Charles and Patricia Georgeff, 2115 Wall St., $2,000 Chancey Hickman, 18 Suburban Drive, $3,500 Jeff Keener, 2107 Dewey St., $850 Donald E. Grammer, 1014 N. 16th St., $3,500 Gay Bachmann, 432 Winters Lane, $3,000 Donald J. Keipp, 1925 Hortense St., $2,062 Frank Coniglio, 708 North St., $3,000 Jan Draper, 1519 Pine St., $18,000 Debra Tindall, 1106 Steven Lane, $85,000 Janice Hampton, 2036 Dewey St., $9,200 Whistle Clean Car Wash, 1830 Walnut St., $9,000 Harry Raines, 429 N. 12th St., $12,000 Peter or Lisa Bernhardt, 2116 Walnut St., $9,000 Star Enterprises, 807 Illinois Ave., $3,200 Star Enterprises, 2004 Walnut St., $12,000

West Frankfort Bill Harvey, 501 N. Doug, $5,000 Ron Turner, 601 S. Cherry, $53,000 Norman Ray, 408 E. Elm, $15,390

Bankruptcies Chapter 7 Kathryn Armstrong, 1018 Westwood Drive, Mount Carmel Danny Brown and Amy Brown, P.O. Box 192, Galatia Theresa Delsoin, 3106 Elm St., Cairo Charles Webb and Kisha Webb, 2930 Mount Pisgah Road, Vienna Wilma Murphy, 2615 State Route 147, Vienna Michael Shurtz and Lisa Shurtz, P.O. Box 112, Sesser Charles Brookmyer, P.O. Box 223, Sesser Dianne Behrens, 3104 Dutch Ridge Road, Carbondale. Patricia Edwards, 201 E. Rose St., Harrisburg Margaret Duncan, 409 Lickliter St., Benton Charles Cummings, 708 Beatrice St., Benton Polly Murray, 1193 Pond Ridge Road, Murphysboro Teddy Murphy, 1110 Finney Road, Murphysboro Jesse Pees, 8169 Clubhouse Road, Evansville Marty Stoner, 707 Washington St., Karnak Brian Hewerdine and Jennifer Hewerdine, 2022 E. Evergreen Terrace, Carbondale Ryan Transport Inc., P.O. Box 375, Shawneetown Ryan Smith and Kellie Smith, P.O. Box 375, Shawneetown Melisa Brinker, 100 Wells Apt. 14-B, Murphysboro Maria Roberts, 330 E. Franklin St., Du Quoin Thomas Glaab Sr., 103 Highmore Ave., Anna Alexander Demeo, 7102 Hyacinth Road, Oakdale Dennis Brown and Mary Brown, 423 Woodland Drive, Mount Vernon Karen Mace, 2100 Illinois Ave., Eldorado Morse Sneed, 2055 Central Hill Road, Grantsburg Mona Hines, 2412 Park Street Road, Mulkeytown Rickey Grigsby, 350 E. South St., Du Quoin Hope Daniell, 7965 State Hwy 14, Benton Edward Burnett and Linda Burnett, 1113 Violet Road, Coulterville George Johnson, 309 N. Poplar St., Bluford Robert Cohoon and Donna Cohoon, P.O. Box 1098, Metropolis Nicole Williford, 212 S. 19th St., Herrin Karen Easley, 909 S. Monroe St., West Frankfort Julie Haney, P.O. Box 276, Harrisburg Steven Phillips, 11161 Melinda St., Benton Trudy Phillips, P.O. Box 98, Valier Gwendolyn McElravy, 4212 Rose Lane Apt. 9, Mount Vernon

Constance Hood, 1412 N. Main St., Benton Michael Keck and Jennifer Keck, 2580 E. Highline Road, Woodlawn Renae Drawdy, 214 Michigan Ave., Carterville Kristopher Kelso, 21 James Drive, Metropolis Tammy Edington 21 James Drive, Metropolis Craig McCarthy, 14661 Allen Road, Herrin Shannon Clark, 321 E. Poplar St., Du Quoin James Riley and Pamela Riley, 10585 N. Illinois Hwy 142, Mount Vernon Steve Nunn and Retha Nunn, 510 S. Bentley St., Marion Lisa Keppner, 60 Front St., Tamms Michael Lindle, 401 U.S. Highway 45 North Apt. 15, Eldorado Derek Hill, 411 E. Chester St., Pinckneyville John Harp, P.O. Box 78, Grand Chain Melissa Meadows, 1226 Huters Circle, Benton Madelyn Jones, P.O. Box 524, Herrin Lynda LeDoux and William LeDoux, 19150 N. Steel Lane, Woodlawn Rodger Groff, 27 Timber Trail Road, Olney Sandy Durham, 402 James Ave., Carmi Leslie Jenkins, 1417 Leininger Road, Fairfield Bradley Shaw, P.O. Box 524, Rosiclare Jeff Williams, 6245 N. Matisse Lane, Bonnie Cathrine Spiller, 678 Schlager Road, Elkville Wayne Rednour and Carol Rednour, 119 W. Mill St., Ruma Bryon Ramos, 1129 Douglas St., Mount Vernon Nicolas Biggerstaff and Heather Biggerstaff, 330 County Line Road, Grand Chain Charles Hampsten, 200 Loren Drive, Grayville Alan Mitchell, 210 E. South St., Dix David Pulliam and Rhonda Pulliam, 307 Mitchell St., Benton Larry Pritchard, P.O. Box 172, Grayville Mavis Cook, 1595 Old Highway 51 North, Anna Corey Mitchell, 1506 S. 12th St., Mount Vernon William Dwyer and Shelia Dwyer, 409 N. 11th St., Herrin Tamara Higgins, 40 Highland Road, Galatia Larry DeGrave, 600 Dillard St., Eldorado Donald Scott and Sondra Scott, 7426 E. Salisbury Road, Waltonville Johnny Goff and Jayla Goff, 406 East St., Carmi

Chapter 13 Nani Moore, RR 1 Box 206, Macedonia Christopher Doerner and Cassandra Doerner, 154 Bradley Drive, Ava Robert Haley and Norma Haley, 3594 State Route 51, Du Quoin Christopher Boyd, 654 W. Main St., Du Quoin Kandrea Cunningham, 612 S. Pine St., Zeigler SEE FINE PRINT / PAGE 23

SEPTEMBER 2010

SOUTHERN BUSINESS JOURNAL

Business Fine Print PERMITS | BANKRUPTCIES Gary Sprague and Jeannette Sprague, 318 McFall St., Benton Janet DeFord, 825 Fairground Road, Pinckneyville James Bowman and Sharon Bowman, 413 W. 11th St., Metropolis Brett Powell and Angela Powell, 23739 N. U.S. Highway 51, Elkville Jordan Crotser and Shalynn Crotser, 17675 Ewing Road, Ewing Samuel Barnwell, 533 N. Division St., Carterville Kendall Jones, 604 W. Elm St., Harrisburg Jean A. Jones, 722 W. Sloan St., Harrisburg Karla Rushing, 409 E. Cross St., Dongola Brian Keown and Angela Keown, 2217 Clay St., Murphysboro Bryan Edmonds, 4781 Yellowbanks Road, Mulkeytown Matthew Presswood, 9541 Lessley Road, Sparta Scott Meadows, 902 N. Du Quoin St., Apt. 6, Benton Nakota Teeling and Kimberly Teeling, 1305 N. State St., Marion Jeffrey Williams and Karen Williams, 12161 Forest Baptist Church Road, Benton Keith Darter Sr. and Gayle Darter, 1416 W. Maple St., Herrin James Braddy and Bobbi Braddy, 62 Pecan St., Mount Vernon Johnna Woosley, 300 S. Marion St., Apt 302, Carbondale Lora Grogan, 312 W. Adelaide Ave., Christopher Patricia Hampton, P.O. Box 65, Freeman Spur Roger Gray and Vickie Gray, 15083 Laminack Road, Carterville

Michael Melcher and Jamie Melcher, 105 Circle Drive, Herrin Carlton Jordan and Cynthia Jordan, 5757 Illinois 154, Pinckneyville Gerald Smith, 400 N. Oakland St., Apt. 38, Carbondale Constance Petersen, 4233 Lincolnshire Drive, Apt. 7-D, Mount Vernon Conlee Pim, P.O. Box 284, Tilden Paul Dollman and Donna Dollman, 1113 N. Court St., Marion Leonard Owens Sr. and Ginger Owens, P.O. Box 14, Tilden Arthur Walker and Mary Walker, 715 Third Ave., Grand Tower Howard Wright and Rosemary Wright, 15611 Shakerag Road, Johnston City Janet Stein, 2942 W. Grange Hall Road, Murphysboro Brian Yates and Amy Yates, 1220 N. 14th St., Herrin Ronald DaRosa and Deborah DaRosa, 406 Partridge Lane, Carterville Gary Crites, 1404 W. Monroe St., Herrin William Rosado, 1202 Gerlock Cour t, Carterville Lynette Dixon, 523 N. Bill Drive, lot 59, Murphysboro Ralph Jones, 73 Yonder Hill Drive, Carbondale Kenneth Jaimet and Roberta Jaimet, 601 E. Goalby St., Percy Sylvia Seymour, P.O. Box 142, Ellis Grove James Staples, 21 Albany Road, Carbondale Donald Miller and Helen Miller, 105 Goldenrod Lane, Goreville James Allen, 1009 E. Market St., Christopher Scott Biggs, 14747 State Route 14, Benton

Mary Sloan, 14747 State Route 14, Benton Olivia Gant, 351 W. Fourth St., Benton Daniel Siefert, 859 Old Du Quoin Road, Du Quoin Johnny Spurlock, 160 Shady Lane, Dongola Dante Fiori, P.O. Box 413, West Frankfort Marlene Potter, 35 Morber Lane, Murphysboro Margaret Ashby, 1540 Trolley Road, Eldorado John Bahoric and Mildred Bahoric, 69 Sunset Drive, Carbondale James Loss and Trina Loss, 1006 Castellano Ave., Marion Robert Chapman, RR 1, Box 51, Golden Gate William Leady, PO Box 36, Galatia William Seets and Nisinda Seets, 2490 Wasson Road, Harrisburg Claude McMillan, 311 W. Poplar St., Harrisburg Heath Nicholson and Traci Nicholson, 15053 Bradley Lane, Marion Buddy Murphy, 3101 W. Lakeview Road, Marion Curtis Williams and Lisa Williams, 12236 Norman Road, Marion Melvin Meyer, P.O. Box 494, Dongola Dwayne Allen, P.O. Box 231, Cisne Thomas Davis, 10623 Champaign Road, Johnston City Kyle Williams, 1801 Sneed Road, Carbondale Kenneth Lomax and Amy Lomax, 8994 N. Triton Lane, Mount Vernon Betty Broadnax, 1300 Shomaker Drive, Apt. 16, Murphysboro Clyde Scott, P.O. Box 148, Mount Vernon Teresa Scott, 904 Wilshire Drive, Mount Vernon Kevin Hawkins and Nichole Hawkins, 695 Triple S Road, Harrisburg Adam Reynolds and Marissa Reynolds, P.O. Box 27, Wolf Lake

Mary Kerr, 502 McKinley St., Anna Claudia Leslie, 423 E. Jefferson St., Anna Daniel Fitzpatrick and Katrina Fitzpatrick, P.O. Box 15, Coello Nicholas Bebout and Shana Bebout, 202 S. Douglas St., Pinckneyville Mary Hurst, 751 Ullin Ave., Apt. 104, Ullin Cynthia Hagler, 47 James Drive, Metropolis Shirlene Young, 310 18th St., Apt. 103, Cairo Suzanne Long, 1302 Market St., Johnston City Penny Rice, P.O. Box 7, Valier John LaMaster and Becky LaMaster, 509 N. 26th St., Herrin Michael Poe and Nellie Poe, 1115 W. Webster St., Benton Ryan Fear, 105 Plum St., Anna Douglas Hoague, 507 Taylor St., Energy Stephen Vinson, P.O. Box 691, Vienna Lowell Starnes, 926 S. Land St., Harrisburg Brandon Bate, 702 Baggott St., Zeigler Marjorie Maxey, 804 Oakland Ave., Mount Vernon Leah Brown, P.O. Box 35, Dongola Bobby Benefield, P.O. Box 233, Cobden Roy Riddle and Sandy Riddle, 1103 Thomas Drive, Crainville Michael Grant and Carol Grant, 17196 Dean Road, Johnston City Roger Cogdill, 1999 E. Ninth St., West Frankfort Vicki Fox, 927 Barnett, Apt. 11F, Harrisburg Stephanie Murray, 324 E. Oak St., Carbondale

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SPECIAL REPORT: Tragedy of the anti-commons: Why decisions never seem to get made FROM PAGE 14 resolve the issue. These groups include the state of Illinois, the federal government, other airports in the region, the city of Chicago, other governments in the south suburban area, airlines such as American and United, advocates of high speed rail that might serve the airport and, obviously, local landowners. Fortunately for the Chicago metropolitan area and the entire state,

O’Hare airport was able to navigate through a similar morass to expand and relocate the airport’s runway system. This will allow, arguably, the most important economic engine in the state to remain competitive. Finally, there is the perennial issue of the completion of Olympian Drive in Champaign County from Interstate 57 to U.S. 45. More than a decade after the opening of the expressway exit, local governments are unable to complete plans for the only east-west corridor in

the congested area north of ChampaignUrbana. The city of Urbana has resorted to the unusual ploy of hiring a consulting firm to attempt to achieve consensus among the governments and the citizenry. Again, no objection or concern appears too trivial to dismiss with the result that an important and useful project cannot be completed. Participation, coordination and the consideration of competing interests are all important in reaching a final decision about public projects. No one wants a

dictatorial regime such as the empire presided over by Robert Moses in New York in the 1960s and ’70s, where projects were undertaken with little consultation. However, the paralysis of the anti-commons can be equally troubling. J. FRED GIERTZ is a professor of economics within the University of Illinois’ Institute of Government and Public Affairs. He can be reached at 217-244-4822 or jgiertz@ad.uiuc.edu.