APRIL 2011
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Avoid retirement blunders: TV funnyman David Letterman built a career around his Top 10 list, but planning for retirement is no laughing matter. Columnist Scott McClatchey offers a list of 10 retirement blunders, as well as strategies for staying safe. Want a sample? Not keeping up with your pension plan is mistake No. 1. You might need to pay closer attention, if you can’t accurately answer the following questions: How much monthly income will it provide? When are you eligible to retire? Check out the remainder of the trouble spots and learn how to avoid them. Page 4
Obamacare and Medicaid: Despite what you might hear about health care reform posing special challenges for seniors, columnist Richard Habiger reports on a belief that the ‘Patient Protection and Affordable Care Act’ will not have a significant effect on health care for older people. Although the shocking cost of long-term care is the greatest gap in retirement planning, the financing of long-term care does not change. Obamacare makes no change in Medicare when it comes to paying for home health or nursing home care. As a consequence, paying for long-term care will continue to be left largely to the individual out of his or her own pocket or, once a person qualifies financially, to the Medicaid program. Page 7
ECONOMICS Headline risk and stock prices: Columnist Michael P. Tison takes a closer look at ‘headline risk,’ the link between shocking, global news and investment choices. Headline risk can be defined as the risk that unexpected events and the associated news coverage (headlines) will negatively affect financial holdings. The Japanese catastrophe, fighting in Libya and widespread unrest in the Middle East provide recent and dramatic examples of how headline risk can affect stock prices. Tison believes, however, the real danger to investors may lie not in headline risk itself but in reacting emotionally to events that shock or scare us. Page 6
Carbondale Civic Center .................... 19 Custom Cleaners .............................. 15 DataLock .......................................... 20 Feirich, Mager, Green & Ryan.............. 15 Ferrellgas .......................................... 15 Glass Haunt ...................................... 15 Health Alliance .................................. 20
INDICATORS Recovery remains work in progress: Our economy remains a mixed bag. Unemployment rose slightly in January in all 18 Southern Illinois counties from the prior month, perhaps reflecting the end of expanded employment in retail for the holiday season. Most gains were 1 percent or lower. Elsewhere in the monthly indicators, new motor vehicle sales roses over the prior year, with gains above 50 percent in the highvolume counties of Jackson and Williamson and gains in excess of 100 percent in small-volume counties. To learn more about home sales, new vehicle sales and retail sales across Southern Illinois, check the monthly compilation in the center of this issue. Pages 12-13
Jackson & Gray Insurance .................... 6 Jim’s Mobile Offices and Homes .......... 7 John A. Logan College .......................... 5 L’erin Ragon ...................................... 20 Man-Tra-Con Corporation .................. 23 Millwood .............................................. 7 Oliver and Associates, Inc. .................. 8
Contact us The Southern Business Journal is a publication of The Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL 62901, or at P. O. Box 2108, Carbondale, IL 62903. Also reach us on the Web at www.sbj.biz and via email at SBJ@thesouthern.com. The Journal is published 12 times per year monthly, and
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APRIL 2011
SOUTHERN BUSINESS JOURNAL
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Cover Story Commercially speaking: Interest increasing on region’s business-ready properties BY LES O’DELL
Find more business news at www.sbj.biz.
SBJ CORRESPONDENT
Candidates for public office pledge to attract more business. Chambers of commerce tout their communities’ offerings to lure retailers. Economic development officers court manufacturers to set up shop in their area. No matter what type of business local leaders are trying to attract to Southern Illinois, there is one common denominator: Those businesses need a place to manufacture, warehouse or sell. In short, businesses need places to do business. The availability of commercial real estate — industrial, office and retail locations available for sale or lease — is a major factor in improving the economic health of any region, and Southern Illinois is no exception. “To have economic impact to the region or to bring in new companies, it’s critical that we have property available for businesses,” says Kyle Harfst, executive director of Southern Illinois Research Park. That property can range from office space and retail locations to buildings suitable for factories and warehouses. So how does the Southern Illinois commercial real estate market stack up? “I’d say that we’re about the same as anywhere else right now,” says Dick Hunter, owner of Dick Hunter and Associates, a Carbondale-based commercial real estate company. “The market is doing allright; I’d say about a seven on a one to 10 scale.” Rolf Schilling of Re/Max Realty Professionals in Carbondale says interest in commercial property is growing. “Last year was pretty quiet,” he explains, “but beginning in December, things began to pick up. We’ve already had more inquiries so far in 2011 than all of last year.” Schilling says he has been fielding calls from brokers throughout the Midwest, looking for properties available for both
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The availability of commercial real estate is a major factor in improving the economic health of any region, and Southern Illinois is no exception.
outright purchase, as well as those offered for lease. “It’s probably due to a little rebound of the economy,” he says. “Some companies seem to be feeling a little more at ease about expanding or relocating.”
On the market In most cases, the seekers can find what they are looking for in Southern Illinois. For businesses looking for retail or office space, locations abound. Locations in stand-alone buildings and retail centers are available in most Southern Illinois communities. “I don’t think we’re lacking in anything,” explains Jerry Crouse, consultant with Williamson County’s Regional Economic Development Corp. “When it comes to retail, we have plenty of space of all sizes throughout our market. Industrial-commercial is a little more difficult because when people are looking for that, they are looking for something very specific. We do have a fair amount of space available that is priced for sale or lease very reasonably.” Hunter says prices of commercial property across the region are considerably less expensive than those in
more metropolitan locations such as St. Louis, Chicago or Nashville.
Retail and office space Spaces available for retail or office can be found in both stand-alone and shopping center locations throughout the region, in a variety of sizes. Ellen Woolard, owner of Ozment Real Estate in Harrisburg, says most retailers are looking for the same thing that many homebuyers look for in a home site — location. “In retail, location makes a big difference,” she explains. “They want other businesses close to them, high traffic counts and easy access.” Attracting new retailers, especially those on the national level, requires economic developers to walk a fine line of cooperation and competition with other communities. “Retail is a little more competitive from area to area than industry,” Crouse says. “Sure, it’s nice to have a particular retailer, for example, in Carbondale, but, of course, those of us in Williamson County would like to have it here. We all want the benefits to the tax base. We’re not, however, going to say anything bad about any other community; it’s all still
beneficial to the region. It’s very much a regional approach to attracting new business. We all tout what we have to offer here in terms of transportation, workforce and the connections with John A. Logan College and Southern Illinois University Carbondale.” The needs for businesses looking for office or administrative space are similar to retail, Woolard says. “For office space, people are looking for easy access and also cost. It’s always about cost — what will it cost their company to buy or rent.”
Industrial Manufacturing, warehouse or other industrial businesses have slightly different needs, and Mary Ellen Bechtel, executive director of Jefferson County Development Corp., says those needs vary a great deal. “It’s pretty broad, but some things are absolute. Industry needs to have easy access to transportation, maybe even an airport,” she says. Additionally, Schilling says infrastructure — things like electrical, water and sewer service — is important, as is an available and educated work force. Technological and communications frameworks, including high-speed Internet, also are key. He adds that there are more factors businesses desire. “Besides location, industrial companies are looking at what kind of benefits with municipalities offer, things like enterprise zones and tax increment financing districts, and what other infrastructure benefits may be added to a location.” Both Hunter and Bechtel say there are a number of smaller industrial buildings available now across Southern Illinois. The area also has several larger buildings, including the one-time Transcraft factory in Union County, Herrin’s former Maytag SEE COVER / PAGE 9
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Personal Investments Top 10 retirement blunders and how to avoid them BY SCOTT MCCLATCHEY SBJ CONTRIBUTOR
l Not keeping up with your pension plan. Blunder: Many people know they have a pension plan, but they’re not quite sure how it works, how stable it is or exactly how their McClatchey money is invested. Others retire before eligibility, which can result in a substantial loss of pension benefits. And still others simply rely on past information, without taking into account how the Pension Protection Act of 2006 could affect their retirement benefits. Solution: Keep up with your pension plan and make sure you understand it. How much monthly income will it provide? When are you eligible to retire? Be aware of the Pension Protection Act of 2006 and how it may affect your retirement. If you’re confused, seek the professional advice of a qualified IRA advisor and a retirement income strategist. l Not understanding your 401(k) plan options. Blunder: Misusing or not properly using your 401(k) plan, not being properly diversified, misallocating, not using aftertax monies correctly and being unaware of the age 55 rule (possible tax penalty for early withdrawal). These mistakes could potentially limit or reduce your retirement savings. Solution: Understand that it’s your job, not your employer’s, to oversee your 401(k) investments. Take the time to learn about your plan and your options. Speak with a financial advisor to be sure you’ve diversified not only your 401(k) plan, but your entire portfolio in a way that will yield the highest possible benefits. Above all, make sure you’re not being too cautious or taking on too much risk. The goal is to make your money work hard for you, now and in the future. l Missing out on the company match. Blunder: Not taking advantage of your company’s 401(k) contribution match.
This is, in essence, “free money” that’s yours for the taking. It’s as simple as that. If you don’t take it now, you won’t have it later. Solution: Do whatever you can to maximize your contribution. If every dollar you put in could be matched, then every dollar you don’t put in is essentially two dollars you’ll miss out on down the road. Think about ways you could increase your contribution to gain more in matched dollars. Maybe it’s as simple as cutting back on your daily coffee budget, or canceling that gym membership you’re not using. Whatever you can do to squeeze even a few more dollars in now can really make a difference later. l Relying on friends and trends. Blunder: Listening to advice that, no matter how well-intentioned, may not be beneficial or even accurate. Allowing friends, co-workers or the latest “hot” trends to influence your investment decisions can be dangerous. And what worked for someone else — five years ago or five minutes ago — may not work for you. Solution: Take the time to learn about your options. Read, attend seminars or classes, meet with a professional. Investing on a whim could cost you dearly when it comes time to retire. Instead, do your research and invest wisely. l Not checking in with Uncle Sam. Blunder: Being unfamiliar with the tax laws. Many people make plans for retirement without considering how IRS rules will affect them. For example, are you assuming you’ll be in a lower tax bracket when you retire? Or did you
know that you may be able to avoid the usual IRA 10 percent early-withdrawal penalty, according to IRS Rule 72t? Solution: Do some research and become familiar with the tax laws, or speak to a professional who understands them. Tax laws are a very important piece of the retirement puzzle, and you can’t afford to ignore them. l Placing too much stock in your company. Blunder: Owning too much of your own company’s stock, which could jeopardize your retirement funds. With the fall of companies like Enron and WorldCom, many employees lost some or all of their retirement income. Could this happen to you? Solution: It’s not possible to predict the future, and that’s why a diversified portfolio is generally a wise move for the cautious investor. If you have too much invested in your own company, then essentially your retirement income could rely on the performance of one stock. That’s high-risk investing. If you’d rather not assume so much risk, consider speaking to a professional who can assist you in diversifying your investments. l Choosing the wrong beneficiary. Blunder: Naming yourself as beneficiary causes your assets to go to an estate, rather than an individual, in the event of your death, which can cause your family to lose money. Also, rolling over IRA and 401(k) plans to your surviving spouse could be a mistake. If your spouse dies prematurely, this can result in a major tax hit and potential legal dilemmas. Additionally, many people name special needs children as beneficiaries; but, if these children inherit assets, they may be disqualified for government benefits. Solution: Speak with a qualified advisor on how to distribute assets in the most useful way. For special needs children, explore the option of setting up a trust in their names, rather than naming them as beneficiaries. l Believing what works today will work tomorrow. Blunder: Putting money away for the future with the
Find more business news at www.sbj.biz. misconception that you will require the same amount of money tomorrow as you do today. Ignoring inflation could negatively impact your retirement plans. Solution: When creating a savings plan for the future, you must consider inflation. Don’t forget to consider the inflation rates for health care, too. In the last decade, health care and nursing home costs have increased at a rate dramatically outpacing inflation. l Retiring without an income strategy. Blunder: Many people plan to save for retirement, but they forget to plan for the distribution and preservation of that money after it has been saved. Some live on their interest; some draw income from the wrong assets. Solution: Be sure you have a plan to distribute retirement income effectively. While many qualified advisors can help you plan to build wealth, it’s important to speak with an income planning specialist for retirement. If you don’t know from when and where to withdraw your retirement income, you could lose some of what you’ve worked so hard to save. l The unexamined retirement — the biggest blunder of all. Blunder: Thinking that a savings account and a pension plan will get you through retirement, or thinking that because you signed up for a 401(k) years ago, you’re all set. Many people retire without planning, only to learn years later that their money is running out. Solution: Start planning for retirement now! Whether you’re five years away from retirement or you’ve already retired, it’s never too soon, or too late, to create a plan. And there is no better way to see that you keep what you have and don’t outlive your income. SCOTT MCCLATCHEY is a certified financial planner with Alliance Investment Planning Group, a Carbondale investment firm he co-founded, located 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.
1 start-up loan, 2 moves, 8 new employees, 2 delivery vans, 10 years in business
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APRIL 2011
Economics Headline risk: How it can affect stock prices BY MICHAEL P. TISON SBJ CONTRIBUTOR
One of the risks investors take on in their quest for positive, long-term returns, that stocks have historically provided, is headline risk. Headline risk can be defined as the risk Tison that unexpected events and the associated news coverage (headlines) will negatively impact their holdings. The Japanese catastrophe, fighting in Libya and widespread unrest in the Middle East provide recent and dramatic examples of how headline risk can affect stock prices. At the same time, the real danger to investors may lie not in headline risk itself, but in reacting emotionally to events that shock or scare us. For example, on March 11, before news of the Japanese tsunami and nuclear disaster broke, the S&P 500 closed at 1,304.28. Despite plunging to 1,256.88 on March 16, that broad-based market average closed March 22 at 1,293.76 — down just 0.8 percent from where it stood March 11. Investors who reacted hastily may now be regretting it. None of this is to ignore or minimize the enormous human suffering occurring in connection with these recent tragic events across the globe. In addition, there will be an economic price to pay for damage to the world’s third largest economy and any significant disruptions in global oil supplies. However, a number of offsetting positive economic developments are also occurring, and the net long-term effect on stocks from all of these events remains to be seen. For now, investors seem somewhat reassured about the situation in Japan, where workers have succeeded in connecting power cables to all six reactors at the damaged Fukushima Dai-ichi nuclear plant. The Nikkei 225 index, which plunged sharply in the days following the earthquake, was up 4.4 percent the
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Headline risk can be defined as the risk that unexpected events and the associated news coverage (headlines) will negatively impact their holdings.
following Tuesday from its Friday close (Monday was a holiday in Japan). The lesson is the same: Those who reacted emotionally may have hurt their longterm results. Vigilance is a key component of investment management, and you should or you should hope someone is keeping a close eye on developments abroad and at home that may affect the long-term value of your holdings. It’s natural to want to react to disturbing events by doing something — it somehow makes us feel more like we’re in control. But often the best thing to do is to sit tight and wait to see how things play out. Another key is to having an asset allocation that holds the appropriate risk level for you. Make sure you are trying to maximize return on a risk-adjusted basis. Risk level matters. Appropriate diversification will let you own assets where many times some are in favor and some are not. Just because an investment might not be performing as well as others doesn’t mean you need to sell it. And vice versa. MICHAEL P. TISON is an investment advisor and registered principal with Raymond James Financial Services Inc., member FINRA, with offices in Harrisburg and Marion. He can be reached at 618-253-4444 or michael. tison@raymondjames.com.
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Health Care Obamacare, Medicaid and long-term care services BY RICHARD HABIGER SBJ CONTRIBUTOR
The “basic structure of health care financing for older Americans is left unchanged” by Obamacare, according to Professor Richard L. Kaplan, University of Illinois College of Habiger Law. Although the new health care reform legislation makes many changes to the disjointed and misaligned parts of the American health care delivery and financing systems, Kaplan believes the Patient Protection and Affordable Care Act is not likely to have a significant effect on health care for older persons. For example, while the astronomical cost of long-term care is the greatest gap in retirement planning, the financing of long-term care essentially did not change. That is, Obamacare makes no change in Medicare when it comes to paying for home health or nursing home care. As a consequence, paying for long-term care will continue to be left largely to the individual out of his or her own pocket or, once a person qualifies financially, to the Medicaid program. In point of fact, Medicaid has been and will continue to be the primary way millions of middle-income persons pay for long-term care. Nonetheless,
according to the Kaiser Commission on Medicaid and the Uninsured, the ACA “creates a number of new opportunities for states to balance their long-term care delivery systems by expanding access to Medicaid Home and Community Based Services programs.” More than 10 million persons in this country need long-term care services to assist them in their activities of daily living. These ADLs range from providing assistance with eating, dressing and toileting to medication management. The majority are persons age 65 or older with decreasing mobility and cognitive functioning, as well as chronic conditions such as diabetes and pulmonary diseases. The cost for long-term care services is extremely high and can quickly exhaust lifetime savings. Care in a nursing home averages $72,000 per year; the cost of assisted living averages $38,000 per year; and home health services average $21 per hour. Thus, for someone who needs 24-hour care, at-home care could run more than $15,000 per month. According to the Kaiser Commission, $240 billion was spent on long-term services for more than 3 million individuals in 2009. Of this amount, Medicaid accounted for 43 percent, while Medicare covered only 24 percent. The balance, 33 percent, was paid principally by individuals out-of-pocket and by longterm-care insurance. Medicaid is not available to everyone who may need long-term care. Persons must first qualify financially, in addition
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Find more business news at www.sbj.biz. to meeting medical and other criteria. In Illinois, the applicant for long-term care services cannot have more than $2,000 in assets. If he or she is married, the spouse who is not in a care facility can have no more than $109,560 in 2011. (It should be noted, however, that if arrangements are set up just right, an individual or married couple may lawfully protect assets far in excess of these fairly limited amounts.) Spending on Medicaid-paid HCBS has been growing. In 2009, spending on HCBS nationally accounted for 43 percent ($52.8 billion) of total Medicaid long-term care spending, up from 13 percent in 1990. However, in Illinois, the Community Care Program accounted for only 31.5 percent ($1 billion) of total Medicaid spending on long-term care services in 2009. The ACA (Obamacare) contains several provisions that hopefully will serve to expand Medicaid HCBS options: Money Follows the Person demonstration program is enhanced, the Community First Choice Option is established, the State Balancing Incentive Program is created, and improvements are made to the HCBS state plan option. However, these enhancements appear to be more window dressing than a serious attempt to provide coverage of the significant gaps in long-term
care financing. As a small step toward closing the gap, the ACA establishes a national, voluntary insurance program for purchasing Community Living Services and Supports (CLASS Act). However, the program is designed to cover currently working adults — not seniors who are no longer working. Medicaid will continue to be the principal way older persons pay for longterm care services. With Baby Boomers now reaching the age where they are, or may soon be, at risk of needing long-term care, states need to explore ways to expand Medicaid-paid HCBS programs. Although current budget deficits make significant changes a daunting task, Illinois ought to take advantage of the opportunities contained in the ACA to meet the challenges associated with serving seniors, as well as persons with disabilities, who desire to live in the community. Kaplan’s article is available at http://ssrn.com/abstract1744160. The Kaiser Commission has a Medicaid Facts sheet (publication #2186-08) at www.kff.org. RICHARD HABIGER is author of the Illinois edition of “How to Protect Your Family’s Assets from Devastating Nursing Home Costs: Medicaid Secrets” and an elder law attorney who focuses on asset protection, Medicaid and VA benefits. You may contact him at 618-549-4529 or info@ habigerelderlaw.com.
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APRIL 2011
SOUTHERN BUSINESS JOURNAL
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Money Matters Investing may be easier than you expect BY J. FRED GIERTZ SBJ CONTRIBUTOR
America Saves Week in late February passed with little notice. I did, however, have occasion to speak that week on the benefits of savings and investment. The audience was Giertz surprised by my basic theme that investing is much easier than most people believe. Most of us have the idea that a successful investor needs to devote a large amount of time for research and study or hire expensive experts to provide advice. It turns out that investing is one of the few tasks that is easier than we expect. Our conception of a successful investor from the past is an older man studying the financial pages of The Wall Street Journal or an investor sitting in a brokerage office watching the stock ticker or, more recently, someone glued to a computer monitor reviewing financial data. These are time-intensive activities that are of little value. Investing is often viewed as a game where the goal is to beat the market. There was recently a glowing news report about a fifth grade gifted class that was learning about investing by participating in a contest. Teams were given a hypothetical $100,000 to invest; the team with the highest portfolio value after a two-month
period was declared the winner. Most teams purchased shares of two to four firms based on their evaluation of the companies’ prospects. While this may be an exciting way of learning about investment, almost every element of the game teaches wrong lessons about investing. In particular, the students relied on an undiversified, actively managed portfolio looking for short-term gains. Successful investing does not involve beating the market. Instead, it requires fully participating in the market at the lowest possible cost. This is counterintuitive since it suggests that less is more, that hard work and study do not usually pay off. Studies over the last several decades have shown that it is virtually impossible to consistently beat the market in actively traded stocks. This is true for both individuals and for professional investors like mutual fund managers. Why don’t hard work, research and expertise pay off? The answer is that markets incorporate information about the value of a company so quickly and efficiently that it is very difficult to generate excess returns after adjusting for risk and investment costs. For example, why not always buy well-run companies that have a record of consistent profitability? The answer is that other investors know about these attributes so the price of the company’s stock is bid up to reflect these advantages. Obviously, many individual and institutional investors do beat market returns during certain periods, but they do not do so consistently. A recent
Morningstar study, a company noted for its ratings of investment vehicles, concluded that the single most important factor in predicting success was cost, including both management and transaction costs. Low-cost investment vehicles consistently outperform (on a risk adjusted basis) higher cost arrangements. Low costs are achieved by investing in passively managed, broad-based index funds such as those offered by among others firms Vanguard and Fidelity. An investor can get broad market exposure for as little as 0.2 percent of invested assets compared with costs of actively managed funds that are 1.0 percentage point or more higher. A 1 percentage point difference may seem small, but it can have a huge impact for long-term returns. The difference between a 5 percent and 6 percent return on an investment of a $100,000 amounts to $16,195 after 10 years, $55,384 after 20 years and $142,155 after 30 years. Even if a successful investor does not have to pick individual stocks, doesn’t he or she have to know when to be in and out of the market — the issue of market timing? Again, the answer is no. It is virtually impossible to time the market. In fact, studies have shown that investors tend to buy and sell based on emotions that often lead them astray. For example, when the market falls, the typical investor waits until a substantial decline occurs, such as the period after the financial crisis of 2008, and then becomes fearful, selling near the market low. After an expansion occurs, investors eventually regain
confidence and reenter the market, in essence, selling low and buying high. Since the market cannot be successfully timed, the best strategy is to invest for the long-term and not react to short-term market fluctuations. Passive long-term investing is not the key to great wealth, but it is a means to participate in the market in a costeffective way. If the market increases over the long term, as it has historically, the investor will fully share in these gains and avoid the pitfalls that erode returns. Unfortunately, there are still issues facing investors that are complex and require some expertise, such as tax planning and the choice of a good mix of index investments and fixed-income options for an investor’s particular circumstance. The rebalancing of assets is also needed when asset classes change at different rates. Finally, the most import advice is relatively simple, but involves great discipline. Successful investing requires assets to begin the process, which means that it is necessary to save (that is, reduce consumption) to generate these resources, and the sooner the better. Savings accumulated and put to work early in the long-term investments are much more powerful than savings that occur later in the life cycle. 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.
COVER: Interest increasing on region’s business-ready properties FROM PAGE 3 plant, a Mount Vernon structure that housed an Anheuser-Busch distribution center and the 1.1 million-square-foot former Circuit City facility near Marion. “In the mid-range — spaces in the 20,000 to 50,000 square feet range — we just don’t have enough inventory,” Bechtel says. “I believe we could fill those spaces if we had them. We often have requests for existing buildings
of that size.” But Hunter says that companies looking at the region do not necessarily focus on buildings. “There is a lot of land and very few existing buildings. If you needed a 10,000-square-foot building, it would be hard to find,” he explains. “But business is not attracted by an empty building. If I wanted to open a new factory, it wouldn’t matter. If I found an otherwise ideal location, I’d build a building.”
Room to grow Regardless of the type of business or needs, economic developers and real estate brokers say the region has plenty to offer potential tenants, and they are working to attract new enterprises to Southern Illinois. “For economic developers, there’s never enough space or enough business; we want it all,” Bechtel says. “We have great locations and the resources that companies are looking for.”
Schilling agrees. “I feel really good about what is available and what is happening,” he explains. “People are getting excited about growing their businesses or adding locations. Whatever we can bring in is good for all of us.” LES O’DELL of Carbondale is a regular contributor for Southern Business Journal and The Southern Illinoisan.
APRIL 2011
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Formulas for Success Managing change: It’s part of life BY DENA KIRK SBJ CONTRIBUTOR
Change is the only constant. It’s in the workplace and in our personal lives, whether we like it or not. We’ve seen professional changes as former coworkers leave, new bosses come Kirk onboard, layoffs surface and salaries become frozen. We’ve seen personal changes through marriages, divorces, relationships and raising children. How do we handle change? Run away and pretend it’s not happening? Run with it? Everyone who wants to be successful in relationships, careers and life in general must learn how to see and manage change. Spencer Johnson, author of “Who Moved My Cheese?”, discusses ways to deal with change in your work and in your personal life. He uses cheese as a metaphor for what you want to have in life: a good job, loving relationship, money or spiritual peace of mind. Cheese is what we think will make us happy and successful. When circumstances take our cheese away, different people deal with change in different ways. Johnson’s parable describes four characters that live in a maze and look for cheese to make
them happy. The maze is where you spend time looking for what you want — perhaps in the organization you work in, the relationships you have in your life or the community you live in. The two mice, Sniff and Scurry, represent parts of us that are simple and instinctive. The little people, Hem and Haw, represent those complex parts of us.
The characters
l Sniff would sniff out the situation and see the change early. He enjoyed working and was able to recognize and adapt to change. l Scurry gets things done. Although he required monitoring, he was able to focus on immediate actions and results and would scurry from one task to another. l Hem refused to change out of fear. He wanted to stay in a familiar, comfortable territory and was afraid of the unknown. He wanted a safe and secure environment. He blamed others for his situation. l Haw was reluctant to change initially, but learned to adapt. With a sense of humor, he envisioned himself finding something better. Haw realized that the fear you let build up in you is worse than the situation that actually exists. The book states that the biggest inhibitor to change lies within yourself, and that nothing gets better until you change. “Our Iceberg is Melting” is another
great book about managing change. John Kotter, a Harvard professor, and Holger Rathgeber, a business manager, talk about eight effective ways to bring positive change to any situation or organization. The authors do a unique job of showing that most problems, be it personal or business, under any condition can be solved with the right strategy in place and when it is properly supported by those in the positions to effect positive change and can make it happen. The book is a story about a colony of emperor penguins that live on a melting iceberg, which has been their homeland for years. One penguin, named Fred, observed signs of the iceberg melting and goes about making a colony of disbelieving penguins aware of the impending danger. He finds a solution and makes the necessary changes to steer clear of the present danger and future ones. The penguins form a team with a leader who is experienced and wise and with a deputy who is practical and gets things done. The fable is all about an eight-step process of successful change:
Kotter’s eight-step process of successful change
l Create a sense of urgency l Pull together a guiding team l Develop the change vision and strategy l Communicate for understanding
Find more business news at www.sbj.biz. and buy in l Empower others to act l Produce short-term wins l Don’t let up l Create a new culture These books are great references for managers finding it difficult to effect change at any level with their staff. It is also for the staff member who can’t understand how and why change, both expected and unexpected, takes place in corporate organizations. Are you prepared for change like Sniff and Scurry — ready to move on, accept it and do something different? Ore are you like Hem and Haw — hemming and hawing and afraid of change and continuing to do the same thing over and over every day, thinking that you will get different results? We all share the common need to find our way in the maze of life and succeed in challenging and changing times. Change is hard, but there is nothing difficult about change. It’s part of life. I hope you find these resources and tips helpful with managing your own life and the changes you encounter. DENA KIRK is administrative director for SIH & RIC Rehabilitation Services. She can be reached at dena.kirk@sih.net.
Analysis: Key to outwitting the competition BY CAVANAUGH L. GRAY SBJ CONTRIBUTOR
In the summer of 2006, Office Depot opened its doors near the mall in Carbondale. With a Staples store a few blocks away, I admit I was a bit skeptical. Less than a year and a half later, a Gray December 2008 headline read, “Carbondale Office Depot
store slated to close.” The Carbondale store was one of 112 stores scheduled to close in the U.S. at the time. I have often wondered what it was about that strategic decision that seemed an obvious “no” that a major corporation like Office Depot overlooked. A SWOT Analysis of office supply giant Staples reveals where Office Depot went wrong and offers amazing insight for small businesses.
Building on your strengths One thing that sticks out about Staples is the power of its brand. In surpassing
Office Depot as the No. 1 office supplier in 2004, Staples has gone on to build one of the most recognizable brands in the world. Staples’ brand is so strong that the company is able to sell these mystical Easy Buttons that do absolutely nothing or, at best, are glorified paper weights. To build on this brand, the company launched an in-house product and packaging-design department. This is considered unusual for a retailer that would normally contract this work out. To date, the company has won dozens of patents for its design work.
Hard pressed for weaknesses For the most part, we have lived in a more-is-better society. However, as consumer preference continues to shift, big-box retailers have begun down-sizing their stores in exchange for shoe-box locations a fraction of the size. The question I would pose is this: How much office supply store does the average consumer really need? Staples has followed this downsizing trend as it has watched recent retail sales fall. What if SEE ANALYSIS / PAGE 15
S
O
U
T
H
E
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 Dec 2010
2009
2008
2007
2006
2005
120.9 69.5 598.0 42.2 55.3 77.1 195.0 153.4 11.8 683.1 82.0 507.0 130.6 96.6 38.5 75.2 128.5 39.9 87.8 112.4 $3,304.8 $147,232.0
114.5 69.4 565.5 39.9 52.9 100.8 191.9 147.2 12.5 676.0 77.1 476.7 129.1 107.9 37.2 70.1 126.4 37.1 91.9 111.4 $3,235.5 $139,593.2
113.3 71.4 587.7 40.1 51.5 91.9 179.3 135.9 12.4 673.4 75.9 482.8 117.1 101.8 39.0 77.7 130.5 40.5 89.6 111.2 $3,223.0 $237,438.0
112.3 72.4 607.4 40.3 51.7 94.4 173.6 134.4 11.3 662.4 79.8 461.5 94.9 105.2 35.8 73.7 129.5 39.8 82.8 111.4 $3,174.7 $180,162.7
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
R
N I L L I Chicago Fed Midwest % change 05-09 Manufacturing Index
p q q p p p p p p p p p p p q q q p p p p q
4.4% 1.4% 2.4% 22.0% 3.5% 6.1% 16.4% 15.1% 8.7% 23.8% 11.1% 0.3% 53.4% 6.7% 2.1% 15.0% 1.0% 13.5% 29.8% 8.9% 8.5% 16.6%
The CFMMI is a monthly estimate by major industry of manufacturing output in the Seventh Federal Reserve District states of Illinois, Indiana, Iowa, Michigan and Wisconsin. It is a composite index of 15 manufacturing industries, including auto and steel, that uses electrical power and hours worked data to measure monthly changes in regional activity. It is compared here to the national Industrial Production index for Manufacturing (IPMFG). Base year is 2007. Starting in November 2005, the index excluded the electricity component. 105 104 103 102 100 98 94 90
IPMFG Jan 11 93.6
88 86 84 82
SOURCE: LATEST STATISTICS AVAILABLE FROM THE ILLINOIS DEPARTMENT OF REVENUE. FIGURES ARE IN MILLIONS.
81 80
Unemployment rates for Southern Illinois counties, state and nation Labor force Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Washington White Williamson .,REGION ILLINOIS U.S.
2,982 17,924 2,700 4,130 1,812 31,240 20,552 5,381 7,081 9,517 1,973 2,904 15,577 13,228 8,430 8,527 8,012 34,930 196,900 6,567,400 152,536,000
Jobless 347 2,099 240 427 194 2,529 1,848 590 626 1,064 203 286 1,355 1311 1,005 626 651 3,200 18,601 633,004 14,937,000
Jan 2011
Dec 2010
Jan 2010
11.6% 11.7% 8.9% 10.3% 10.7% 8.1% 9.0% 11.0% 8.8% 11.2% 10.3% 9.8% 8.7% 9.9% 11.9% 7.3% 8.1% 9.2% 9.8% 9.6% 9.8%
10.9% 10.7% 8.7% 8.9% 9.9% 6.9% 8.3% 9.9% 7.9% 10.0% 9.4% 8.9% 8.0% 9.1% 10.9% 6.3% 7.8% 8.2% 8.9% 8.8% 9.1%
13.5% 15.1% 12.2% 12.1% 14.2% 9.3% 11.5% 13.1% 11.6% 14.2% 13.4% 13.0% 11.2% 12.1% 15.1% 9.8% 10.5% 11.4% 12.4% 12.1% 10.6%
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
0.7 1.0 0.2 1.4 0.8 1.2 0.7 1.1 0.9 1.2 0.9 0.9 0.7 0.8 1.0 1.0 0.3 1.0 0.9 0.8 0.7
78
Change year q q q q q q q q q q q q q q q q q q q q q
76 74
CFMMI Jan 11
1.9 72 84.1 3.4 70 68 3.3 1.8 66 3.5 64 J J A S O N D J F M A M J J A S O N D J ’11 ’10 ’09 1.2 2.5 SOURCE: FEDERAL RESERVE BANK OF CHICAGO 2.1 2.8 3.0 3.1 3.2 Jan 11 Jan 10 Change 2.5 2.2 MONTHLY TOTALS 3.2 631 441 p 43.1% 2.5 YTD TOTALS 2.4 2.2 631 441 p 43.1% 2.6 2009 2008 Change 2.5 ANNUAL TOTALS 0.8 2,750 2,636 p 4.3%
Williamson County Regional Airport passengers
N
O
I S I N Consumer credit score
D
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 March 2011.
I
Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Washington White Williamson REGION
11 103 24 33 4 132 91 27 19 57 10 13 97 79 38 54 59 134 985
6 55 17 17 3 83 45 14 17 33 5 6 56 54 18 35 43 87 594
T
698
Carbondale
Region
699
692
State
U. S.
O R S U of I Flash Index
Total cars, trucks sold based on title applications filed. Excludes motorcycles, trailers.
New vehicle sales Jan 10
A
694
SOURCE: EXPERIAN
Jan 11
C
p p p p p p p p p p p p p p p p p p p
Change
2009
83.3% 87.3% 41.2% 94.1% 33.3% 59.0% 102.2% 92.9% 11.8% 72.7% 100.0% 116.7% 73.2% 46.3% 111.1% 54.3% 37.2% 54.0% 65.8%
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
Jan 11 96.1
J
A
S
O
N
D
J
F
M
A
M
J
J
A
S
O
N
D
J
F
M
Q4 10 Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Williamson ILLINOIS
8 51 4 1 0 59 63 15 15 32 2 2 26 27 17 113 21,957
Q4 09 4 67 1 3 3 79 67 18 28 27 0 3 41 24 34 161 29,922
SOURCE: ILLINOIS ASSOCIATION OF REALTORS
Change
p 100.0% q 23.9% p 300.0% q 66.7% q 100.0% q 25.3% q 6.0% q 16.7% q 46.4% p 18.5% NA q 33.3% q 36.6% p 12.5% q 50.0% q 29.8% q 26.6%
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 q p p p p p q q
J
J
A
S
O
N
D
J ' 11
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.
Oct 10 Oct 09 MONTHLY TOTALS YTD TOTALS $6,574,838
Change
$768,913 q
$745,914
$6,686,833 q
2009 ANNUAL TOTALS
2008
3.0%
U.S. city average Jan 11 220.2
220
218
1.7%
Change
$7,520,856 p
Change
MEDIAN SALES PRICE Q4 10 Q4 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%
$43,250 $42,500 $83,250 $49,500 $0 $90,000 $75,000 $49,900 $45,000 $65,950 $73,500 $39,500 $71,750 $52,500 $97,500 $114,900 $144,000
Total units sold, including condominiums
M ' 10
216
214
212
Midwest urban Jan 11 210.4
2.7% 210
Home sales
A
' 08 09 SOURCE: INSTITUTE OF GOVERNMENT AND PUBLIC 'AFFAIRS, UNIVERSITY OF 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.
$43,500 $40,000 $45,000 $42,000 $25,000 $88,000 $92,500 $84,750 $74,170 $52,000 $0 $39,900 $69,000 $64,250 $74,000 $97,000 $154,000
208
Change
q 0.6% p 6.3% p 85.0% p 17.9% q 100.0% p 2.3% q 18.9% q 41.1% q 39.3% p 26.8% NA q 1.0% p 4.0% q 18.3% p 31.8% p 18.5% q 7.0%
206
204
200 J
F
M
A
M
J J ‘10
A
S
O
N
D
J ’11
SOURCE: U.S. DEPARTMENT OF LABOR
Prices at the pump Average price per gallon of regular, unleaded gas as of Feb. 22 and March 24, 2011.
Metro East Springfield Illinois U.S. SOURCE: AAA
Mar 11
Feb 11
$3.58 $3.59 $3.68 $3.55
$3.17 $3.16 $3.28 $3.17
Mar 10 $2.86 $2.85 $2.97 $2.82
14
SOUTHERN BUSINESS JOURNAL
APRIL 2011
Your Business Gender behavioral differences are everywhere! BY JANE SANDERS SBJ CONTRIBUTOR
Let’s explore a few more behavioral differences between men and women. It is my experienced opinion that understanding and awareness of our different “wiring” goes a long way Sanders toward more productive and harmonious relationships.
Anger and aggression It is socially more acceptable for men to show anger and aggression; whereas, doing so is not socially acceptable for women. Yes, we are getting more openminded and less judgmental about this, but we still have a ways to go. I’ve heard it said that in the workplace, when a man loses his temper and yells, it’s viewed as taking control. When a woman loses her temper and yells, it’s viewed as losing control. Think about it. Same behavior, totally disparate perceptions due solely to gender differences. Hundreds of years ago, when the Japanese first started training the Samurai Warriors, they trained women as well as men. And women were just as accurate with their weapons as men. But they had to stop including women because they were being killed much more often. Why? Women would hold back and attack only when they were 100 percent certain that the enemy meant them harm. They couldn’t be 100 percent certain until the sword was already in their bellies! A woman in one of my workshops lamented the fact that her co-workers, both men and women, resented her for being more assertive and outspoken in meetings. This stems from both genders expecting women to be soft and harmonious. There is absolutely nothing wrong with women being assertive. Rude, harsh or in-your-face are another matter, however. My advice is to be concise, but polite, and respectful at the
same time. Take opportunities outside of meetings to let your softer side show through. Everyone has a softer side, by the way. Treat others with respect and caring, do the best job you can at work and communicate clearly and politely. Be yourself, and sooner rather than later, others will understand and grow comfortable with your style.
Asking for help It can be difficult for men to ask for help because of their independence and superiority wiring. Of course, the first example that my seminar attendees mention is about asking for directions. (That’s probably why Jimmy Hoffa is still missing — he refuses to ask for directions!) On the other hand, women usually don’t mind asking for help. They’ll pull over every two blocks if they have to. They make friends that way and find new people to talk to. The danger in not asking for help is two-fold. First, without clarification on instructions or the details of a project, you may go off on a tangent and waste time, only to have to start over again later. Second, women, or people with the opposite communication style, may assume you are a know-it-all or arrogant, and this could damage your relationship. These days, asking for help or clarification is a sign of being conscientious, not weak or stupid.
Brief vs. detailed Men, programmed to communicate in order to keep people alive, to keep the species going, generally speak briefly and to the point. They communicate to solve problems, to figure things out; whereas, women communicate to bond, relate and be understood. So, women discuss things in more detail. One of my sisters, Kathy, was the assistant administrator of a rehabilitation hospital in San Antonio. A patient turned in a complaint about one of the nurses that worked for Kathy, so Kathy asked the nurse to follow protocol by filling out a two-page report. Kathy sent it up to her boss, and it came back down in interoffice mail the next day with a note that said, “What does this
say?” Kathy wrote on it, “Nurse did bad, nurse told if she does bad again she’s fired.” She sent it back up and didn’t hear another word from her boss. That’s all he wanted to know. He wanted the bottom line, and didn’t want to read a two-page report. Style differences. A business associate of mine is president of a high-profile trade organization. One of the women who reports to him, an attorney, keeps him posted with excruciating detail about every situation she is involved with. Her level of exactness is tiresome to many of her co-workers. My friend is patient with her and allows her to work within her comfort range, which means making sure he knows everything that she knows, because she ultimately does very good work. He says it takes more time than necessary, but he finds it a worthwhile investment, as the end product is very good. I think this attorney should count her blessings that she has such an understanding boss. Most men, and women with a masculine communication style, would not have the patience to listen to all the details regarding her legal forays and accomplishments. Do you see how behavioral style differences can cause problems? We view the other sex through our own styles, and doing so often backfires. We judge and make assumptions that others are intentionally trying to be difficult, or withholding information, or being too emotional rather than simply more emotional. We are programmed differently for survival reasons. Communication and, thus, personal and professional relationships are directly affected.
JANE SANDERS of Mount Vernon 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. Her clients include Toyota, MassMutual, Prudential, U.S. Steel, Walgreens and Mayo Clinic. She is the creator of the Undercover Confidante service, offering discovery and solutions to employee issues. She is the author of “GenderSmart: Solving The Communication Puzzle Between Men and Women,” available on her website. Reach Jane at 618-2045540, jane@jane sanders.com or www.jane sanders.com.
APRIL 2011
SOUTHERN BUSINESS JOURNAL
15
ANALYSIS: Key to outwitting competition FROM PAGE 11 Office Depot had beaten Staples to the punch by opening smaller, less expenseheavy stores while looking to meet the greater needs of the market online? Instead, Staples has found its own Achilles’ heel and has taken action to guard itself by opening smaller stores in urban and suburban areas.
Looking for opportunities Several years ago, Staples launched the Invention Quest contest, partnering with inventors worldwide to offer an exclusive line of private label products. This contest brings in tens of thousands of new visitors every year. In 2005, Staples aligned itself with Donald Trump’s show, “The Apprentice.” Contestants were asked to develop a useful desk organizer with the winning product ending up on Staples’ shelves. The day the organizer went on sale, it sold out, bringing Staples a huge amount of exposure. Staples has become the second largest Web retailer behind Amazon.com by offering outstanding customer service, while allowing customers to conveniently stock up on all of their favorite office supplies from the comfort of their home or office. Lastly, in pursuit of the next big opportunity, the company has partnered with ADP (Automatic Data Processing Inc.) to provide customers with payroll and tax services.
to the office supply industry comes in the form of competition. There is an old saying that goes, “Anything you can do Wal-Mart can do better.” With the Web taking greater prominence in practically every industry, it is not unrealistic to think that retail giant Wal-Mart could ask for its share of the $40 billion office supply market. That alone is enough to leave most retailers shaking in their boots, and doesn’t take into account other online companies looking for market share, as well. I would guess that the quick opening and closing of Office Depot’s Carbondale store was not a part of the company’s long-term strategy. The reality is that with so many things stacked in the competitor’s favor, why would the company pursue those plans in the first place? We may not have all of the answers, but my hope is that this analysis reveals something very important to small business owners. That revelation is knowing the right time to pick a fight and knowing when it is time to turn tail so that you may live to fight another day. CAVANAUGH L. GRAY is director of business development for The Entrepreneur Café LLC in Carbondale. For more information 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.
What constitutes a threat? Threats can come from a bunch of different directions, but the biggest threat
Find more business news at www.sbj.biz.
16
SOUTHERN BUSINESS JOURNAL
APRIL 2011
Employment Law Inclement weather policies can prevent problems when bad weather hits BY ED RENSHAW SBJ CONTRIBUTOR
Yes, winter is over, so icy or snowy weather may not be on your mind right now. However, Southern Illinois has its share of bad weather that can cause disruptions to your business at Renshaw any time of year. Does May 8, 2009, ring a bell with anyone? So, regardless of the type of weather outside your window as you read this, now is a good time to address how your company should handle employee issues that arise when bad weather affects your business. Having an inclement weather policy in place before bad weather hits makes decision making much easier. Such a policy should address how employees will be notified in the event the business is closed by weather conditions. Depending on the technological level of the business, notification may be by email or text messaging or a “phone tree.” If your company is large enough, notification through the local radio and television stations might be an option. Two primary issues arise whenever bad weather comes around. The first issue is related to the weather itself. Is it bad enough to close your business for one or more days? Or, perhaps the weather is not bad enough to close your business, but some employees are unable to get to work. Each of these weather-related questions needs to be addressed separately in the inclement weather policy for your company. For example, if your business stays open during bad weather, you may want to reward employees who make it to work with an additional personal day in the future. The second issue is whether employees will be paid for time they
THE SOUTHERN FILE PHOTO
The roof from the Metropolitan apartment complex ripped off and downed these power lines along South Wall Street in Carbondale during the May 8, 2009, storm.
miss because of bad weather. This question involves interplay between the decision to close the business and the classification of your employees under the Fair Labor Standards Act. Under the Act, you may have employees classified as “exempt” and “non-exempt.” Exempt employees are those who work in executive, administrative or professional positions and are paid a guaranteed weekly salary of at least $455, regardless of how many hours they actually work. You are not required to pay exempt employees overtime. Non-exempt employees are normally paid on an hourly basis, and they are covered by the minimum wage and overtime requirements of the Act. Exempt and non-exempt employees can be treated differently under an inclement weather policy. If your business is closed because of the weather, exempt employees must be paid their full salary for that day. And, you can’t require an exempt employee to use a vacation day or personal day if your office is closed
because of the weather. Non-exempt employees, on the other hand, do not have to be paid for any hours they were not actually working. If you are not open at all because of bad weather, non-exempt employees may receive no pay for that day. However, it is a good idea to permit non-exempt employees to later make up for the lost time by working extra hours or to use a vacation or personal day so that no income is lost. But, your policy should state that any made-up time must be done in a manner that does not create overtime for the employee. If your business is open and some employees do not make it to work because of bad weather, the rules change for exempt employees. An exempt employee does not have to be paid for a full day absence when the business is open, but the employee can’t or won’t come to work. In such a case, the employer can require the employee to use a vacation day or personal day in order to be paid for the day. If the employee has used up any available paid
days off, the employee can be docked a full day of pay for missing work. Bear in mind, however, that exempt employees can’t be docked for partial days. So, for example, if you shut down the business and send everyone home at noon, exempt employees must be paid for the entire day. However, you can require the exempt employee to use part of a vacation or personal day for the time not worked. You never know when bad weather may hit our area. So, even though spring is upon us, don’t wait until November to have an inclement weather policy in place. EDWARD RENSHAW is a partner with the Carbondale law firm of Feirich/Mager/ Green/Ryan. F/M/G/R is a general practice law firm offering a full range of legal services, including labor and employment law, commercial transactions, banking, real estate, workers’ compensation, municipal law and estate planning. The firm’s telephone number is 618-529-3000 and its website is at www.fmgr.com.
18
SOUTHERN BUSINESS JOURNAL
APRIL 2011
Achievements Anderson’s Overhead Door award Anderson’s Overhead Door Inc. won the Judge’s Award for the best overall booth at the 2011 Spring Home Expo on March 12 and 13 in Williamson County Pavilion in Marion. Larry and Carol Anderson opened Anderson’s Overhead Door Inc. in 1976 to provide residential garage doors and commercial overhead doors in the Southern Illinois area. The locally owned and operated business, based in Carterville, is celebrating its 35th anniversary this year. For more information, call 618-9856776.
Faces in the news
Fowler
Cain
Fowler honored for top sales
Holladay
Burns
Faces in the news
Gossett
Speer
annual retraining, Accu-Grow technicians do this every year to stay current on all products and procedures in the lawn care industry. Located at 1703 E. DeYoung St., AccuGrow has provided lawn care, tree care and landscaping needs in the Southern Illinois area since 1976 and can be reached at 618997-4769 or 800-747-8880.
Find more business news at www.sbj.biz.
laboratory recently was awarded accreditation by the College of American Pathologists, based on the results of a recent onsite inspection. St. Mary’s Good Samaritan received notice and congratulations for excellence in lab services provided. Good Samaritan Regional Health Center lab is one of more than 7,000 CAP accredited laboratories worldwide.
Grand opening
Clique Hair Design recently hosted its grand opening celebration at 114 E. County was awarded Top Sales DeYoung St. in Marion. Representative and 2010 Newcomer of the Julie Bartlow is creator and owner. For Year for Miche Bag of St. Louis Metro at the appointments or more information, annual awards brunch Jan. 30. contact Clique at 618-998-0066 or Fowler has been with the company for cliquehairdesign@gmail.com. nearly a year, selling Miche Bags, the designer handbag with interchangeable Bank receives plaque magnetic covers. She can be reached at Peoples National Bank recently was 618-987-2678. presented a Million Dollar Lender plaque by the U.S. Department of Agriculture Accu-Grow complete training Rural Development. Tyler Bowles, Zachary Holmes and The bank was recognized as one of the Al Lenz, all employees of Accu-Grow Lawn top guaranteed housing lenders in Illinois and Tree Care in Marion, successfully for 2010. The bank guaranteed $7.8 million completed the 2011 certification for to help more than 100 moderate-income commercial applicator or operator licenses homebuyers purchase their first home or sponsored by the Illinois Department of upgrade to a better one. Agriculture and University of Illinois Extension. Lab awarded accreditation Although the state doesn’t require Good Samaritan Regional Health Center Cindy Fowler of rural Williamson
Bevis
Have you been promoted? Send a photo. Has a colleague at work completed an intensive continuing education program? Send a photo. Others in the business community will want to know it, so please consider passing on your employment news and photos to the Southern Business Journal. Feel free to email the information to sbj@thesouthern.com.
Short among State Auto’s Pacesetters Dustin Short of The Insurance House in Marion recently became a member of a select group of State Auto independent agents — PaceSetter agents. “The goal of our year-long PaceSetter program is to form a sales/marketing partnership with each agent to improve service to all our customers,” said Chairman/CEO Robert Restrepo. State Auto operates in 34 states, through more than 30,000 agents, and for five decades, has been rated A+ by A.M. Best Company, an independent rater of insurance companies. State Auto is one of only 13 companies that has achieved A+ status from A.M. Best Company since the beginning.
McClatchey
WF accountant giving back W. Campbell Brown, a West Frankfortbased accountant, is giving his clients an opportunity to support the American Cancer Society and Relay For Life of Franklin County this tax season. Brown’s clients may write one check to him for 50 percent of his tax preparation fee, and another check for 50 percent to ACS. To schedule tax preparation services and support Franklin County’s Relay For Life, call Brown at 618-932-3562. His office is at 402 E. Main St. in West Frankfort.
Myers, Cripps attend conference Two employees of The First Bank and Trust Company of Murphysboro attended the Community Bankers Association of Illinois Community Bank Technology Conference on Feb. 10 in Crowne Plaza in Springfield.
They are Michele Myers and Sarah Cripps. Myers is IT officer, AVP and corporate secretary. Cripps is IT specialist and bookkeeping supervisor.
Cain ranked a top sales associate Wanda Cain of Coldwell Banker J. David Thompson Realty was ranked in the top 10 sales associates/representatives for the fourth quarter of 2010. Cain ranked sixth in total unit sales and fourth in listing units out of all agents in Illinois for the Coldwell Banker franchise system.
Certified financial planner named Scott McClatchey with Alliance Investment Planning Group in Carbondale recently was named a certified financial planner. He can be reached at 618-519-9344 or scott@allianceinvestmentplanning.com.
Bevis appointed manager Brenta Bevis recently passed the Series 7 and 66 exams to become licensed as the branch operations manager for Alliance Investment Planning Group, an investment and financial services firm at 115 S. Washington St. on the square in downtown Carbondale. More information about the company is available at www.alliance
APRIL 2011 investmentplanning.com or by calling 618-519-9344.
Holladay named director Ethel Holladay of Du Quoin is the new executive director of the Illinois Business Education Association. IBEA and its 11 state affiliates strive to promote business education in the state of Illinois through conferences, scholarships, publications and support to business educators at the middle school, high school, community college and university levels.
Burns achieves honor John P. Burns of Marion, a Modern Woodmen of America managing partner, has earned membership in the organization’s 2010 Managing Partner Round Table Inner Circle. The Inner Circle includes top managing partners in Modern Woodmen’s Managing Partner Round Table. The Round Table recognizes outstanding leadership and is based on high achievement in life insurance sales.
Gossett recognized as a top financial adviser Rich Gossett, an LPL Financial adviser at Old National Investments, recently was recognized as a top adviser and named to the Director’s Club. The top adviser distinction is based on an annual production ranking of all Old National Investment’s registered advisers supported by LPL Financial. LPL Financial is one of the nation’s leading financial services companies.
Speer named new director Allen Speer recently was named executive director of Agape Flights, a nonprofit Christian aviation ministry which transports supplies to support missionaries and their families. Speer has served in a ministry capacity for more than 37 years, primarily as a senior pastor in the Midwest. Most recently, he has served as senior pastor at First Baptist Church of Cobden.
Recycle Williamson County receives donation Aisin Manufacturing Illinois LLC recently presented Recycle Williamson County volunteers with a $500 donation in support of the county’s recycling efforts. “Aisin has been a supporter of our efforts from day No. 1,” said Tracey Glenn, chairwoman of Williamson County Board
SOUTHERN BUSINESS JOURNAL of Commissioners. “Aisin’s generosity will allow us to continue to provide free pickup service to schools and nonprofit organizations. We will also be able to provide recycling presentations to groups throughout the county.” Groups Interested in scheduling a pick-up at their location can call Glenn at 618-997-1301, ext. 133.
Tyler Toyota gives back Michael Tyler of Tyler Toyota in Mount Vernon wanted to give back to the community. Tyler recently made a financial contribution to Woodlawn Grade School and has plans to make further donations in its School Improvement Program. Suggestions are being taken for the remaining months of the year. To get entered for consideration, go to Tyler Toyota Buick GMC on Facebook.
Make-A-Wish Foundation recognizes Smith Local Make-A-Wish Foundation volunteer Sherry Smith recently received an award for volunteer service. Even before Smith became a Make-AWish Foundation volunteer in 2009, she supported the foundation’s cause and donated money to help support the wishes being granted. Smith most recently accepted the role as wish captain for the Southeast Illinois region.
Century 21 honored Richard Davis, broker/owner of Century 21 House of Realty Inc., announced that Century 21 Real Estate LLC offices in Marion and Carterville recently received the Century 21 Quality Service Pinnacle Award for 2010 in recognition of its commitment to excellence. Century 21 House of Realty’s Marion office also received the Century 21 Gold Medallion Award for extraordinary sales production. And, Century 21 House of Realty’s Carbondale office received Century 21 Quality Service Office Award for its commitment to providing clients with quality customer service.
Root Beer Saloon recognized The Root Beer Saloon in downtown Alto Pass was featured in the February Adventure Issue of Outdoor Life magazine, a national publication. The Root Beer Saloon was acknowledged as one of the best hunting bars and taverns in America with its wild décor and friendly atmosphere. The
business, owned by Michael Blank and Cynthia Lucas, also was featured recently on KFVS-TV Channel 12 Breakfast Show.
Southern Lights owner attends electrical expo Steven Johnson, owner of Southern Lights LLC, a Carbondale-based electrical contracting, energy consulting and lighting company, attended the two-day, Ameren-sponsored Electrical Expo 2011 early this month in St. Louis. Johnson is a member of Illuminating Engineering Society. He can be reached at 618-964-1980.
Center recognized for excellence SoutheastHEALTH’s Breast Care and Diagnostic Center has been designated a Breast Imaging Center of Excellence by the American College of Radiology.
Fern Fair Gallery opens Fern Fair Gallery, a new facility to serve artists of the region, opened March 4 at 8609 Lakeland Place in the mini-mall on Giant City Road in Carbondale. Owned and operated by tenured photography professor Fern Logan, the
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gallery specializes in photography, but no artist is turned away. Space is available for individuals to exhibit their own artwork or take workshops. Tutorials are offered in Adobe Photoshop and InDesign software. For more information, call 618-5293376 or visit www.fernfair.com.
B and A Travel Service awarded B and A Travel Service in Carbondale and Marion recently was awarded Apple Vacations’ premier agency award for the 11th consecutive year at the annual Golden Apple Dinner in St Louis. The Golden Apple Agency Award is presented to the top 100 travel agencies nationwide for their outstanding sales performance, product knowledge and vacation-planning expertise.
AT&T sponsors Traffic Safety Days Curtis Bradley, manager of Marion’s AT&T retail store, recently presented a $2,100 sponsorship check to the Williamson County Sheriff’s Office. Driver’s education students in Williamson and Jackson counties are invited to attend the event April 5, 6 and 7 in Williamson County Pavilion for a full day of safe-driving information.
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APRIL 2011
SOUTHERN BUSINESS JOURNAL
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Business Fine Print PERMITS | BANKRUPTCIES
Building permits Herrin Brad Blakey, 3 Douglas Drive, $50,000 Daniel Fuller, 809 W. Harrison St., $7,000 Stacey Cutrell, 500 S. 19th St., $3,500 Paul Benns, 717 W. Cherry St., $34,000
Marion William Nicholson, Maureen Drive, $12,845 Timberline Fisheries, 201 E. Timberline, $500,000 Sadar Bahadur, Kokopelli Drive, $425,000 Alice Brantley, 1202 Jeffrey Lane, $2,580 Heath and Jackie Welch, 1008 E. Boulevard, $30,000 Tim Barnett, Wild Rose Lane, $145,000 Tim McAuliffe, 1506 Chart Hills, $25,000 Deiderich Properties, 1310 Halfway Road, $600,000 Williams Body Shop, 203 E. DeYoung, $75,000 Michael Hartwell, 1708 E. Main, $18,000
Metropolis Brett Walters, 116 3rd St., $2,000 Stacey Watson, 318 Ferry St., $8,000 Elizabeth Sainato, 20 Marberry Drive, $8,000 Tonya Bradford, 40 Adkins St., $500
Mount Vernon Lucinda Accomando, 1316 12th St., $69,197 Rolland Lewis Building, 27th St., $0 St. Mary’s Church, 1500 Main, $0 Peebles Dept. Store, 3917 Broadway, $100,000 Jefferson Co. Historical Society, 1411 27th St., $0 Tad Welch and Janie Irwin, 33 Willow Court, $18,000
Murphysboro Lawrence Weiss, 411 S. 16th St., $9,000 Gene Novara, 2031 Division St., $7,000 Keith Stokes, 10519 Illinois 149, $15,000 Vickie Wagner, 2123 Herbert, $30,000 Joe Hickam, 1923 Hortense St., $2,665 William Locke, 438 N. 8th St., $695 Travis Ince, 801 Jenkins, $8,000 Virginia Ellis, 531 N. Tony Drive, $1,000 Martin and Bayley Inc. (Huck’s), 1937 Walnut, $33,000
Bankruptcies Chapter 7 Dennis R. and Jamie I. Brown, 10011 Samuel Road, Carterville Amanda Margaret Betherl, 303 Forest Park Drive, Herrin
Kelli Renee Dick, 1280 Wing Hill Road, Cobden Daniel Karl Swartzbaugh, 507 S. Main St., West Salem Lisa G. Duncan, Route 1, Box 71, Cave In Rock Charles Eugene and Mary M. Scarber, P.O. Box 31, Du Quoin Clarence Wayne and Alice Clariece Downs, 120 S. Walnut, Apt. 222, Du Quoin John D. and Julie M. Ullman, 720 N. 17th St., Herrin Gwendoline Cowsert, 420 S. Main, Harrisburg Victoria L. Baker, 7315 Old Illinois 13 West, Harrisburg Glenn Wayne and Karen Faye Dover, P.O. Box 420, Anna Cache Reese, 2042 Dillinger Road, Carbondale Dale L. and Lisa D. Fisher, 814 W. 11th St., Mount Carmel Trenton R. and Amber N. Harrison, P.O. Box 564, Energy Michael E. Seibert, P.O. Box 184, Mount Vernon Gina A. Murphy, 4321 Illinois 127, Pinckneyville Joseph L. Williams, P.O. Box 312, Grand Tower Amos E. Abbott, 1115 N. Maple St., Benton Samantha R. Abbott, 1322 Brush Ave., Johnston City Curtis A. Everding Jr., P.O. Box 281, Shawneetown Shawn Paul and Jami Danielle Wilkins, 109 W. Hope Lane, Metropolis Desiree D. Childers, 2502 Ingersoll Lane, Marion Juanita Darlene Keith, 401 N. Eighth St., Elkville Scott N. and Stephanie R. Tripp, 104 S. Ferne Clyffe Road, Goreville Katherine May Gayer, 16678 E. 300 Road, Mount Carmel Jerry F. Panzier, 7084 E. Salisbury, Waltonville Crystal D. Burnett, R.R. 1, Box 199, Wayne City Rickie Dean and Brenda Louise Robinson, 813 Ninth St., Carmi Jimmy Travis and Shirley Lee Leuellen, R.R. 1, Box 53, McLeansboro David S. Zola, R.R. 1, Box 302, Wayne City Donna L. Wemmer, 1004 N. 17th, Herrin Amy L. Sizemore, 100 Aspen Drive, Mount Vernon Donald Gene and Regina Dianne Ewald, P.O. Box 64, Dahlgren Scott R. Walsh, 302 E. Mitchell, Marion Brandon K. Mason, 1113 S. Hobson, Harrisburg Jodie G. Shelton, P.O. Box 315, Herrin John Christopher and Velett Nicholas Artis, 61 Bullock Lane, Metropolis Adam Christopher Pavolish, 4208 Valley Forge Road, Mount Vernon Clyde J. and Angela M. Roundtree, 2400 Blue Blaze, Apt. B13, Herrin Teresa A. Brown, P.O. Box 436, Carterville Freeman Alan and Donna M. McCollum, 17381 Neilson Road, West Frankfort Lisa G. Dillard, 6867 N. 1900 Blvd., Mount Carmel Bobi Sue Johnston, 4325 Woodglen Lane,
Mount Vernon George A. Dudzinski Jr., 203 E. Gelston, Valier Ashley N. Musselman, 409 Panther Drive, Pinckneyville Lana Renee Large, 827 Old Illinois 13, Carbondale Susan Marie Jochim, 201 B Fairgrounds Road, Carmi Douglas R. and Glenda Sue Copher, 1008 N. Van Buren, Marion Kristal L. Richey, 303 S. Third, Marion Janine Samples, 14842 Linck Road, Marion Shannon Marie King, 1418 Salem Road, Apt. 21, Mount Vernon Danny R. and Darla A. York, 15682 Paulton Road, Pittsburg Jeffrey N. McDonald, 48 Orchard Drive, Herrin James E. Sheridan, 901 Liberty St., Evansville Holly J. Lewis, 605 W. 17th, Johnston City William G. Meneese, 11442 Plumville Road, Marion James R. and Darcy R. Muniz, P.O. Box 193, Cisne Dominca L. Alfeldt, 264 W. Main St., Oakdale Clifford L. and Stacy L. Debose, 800 Karns St., Eldorado Beverly Elaine Davis, 19 S. Howell Ave., Du Quoin Damon Tyman, 35 Herring Drive, Murphysboro John L. and Sharon A. Smith, P.O. Box 713, Metropolis Jayson R. Land, 1211 E. Clark St. West Frankfort Michelle M. Joiner, 2417 Carnahan St., Eldorado Vickie D. Mason, 80 Evergreen Lane, Harrisburg Elizabeth A. Palmer, 701 S. 23rd St., Mount Vernon Cathy J. Garrison, 19336 E. Lynchberg Road, Opdyke Clayton T. Thrasher, 1441 W. 10th St., Apt. 7, Metropolis Amelia N. Pogue, P.O. Box 208, Willisville Terry L. and Tina M. Rush, 2800 Locust St., Eldorado Karen Sue Rains, 6404 Private Road 55, Tamaroa Amy M. Lance, 605 S. West St., West Salem
Chapter 13 Albert G. and Stacy L. Andrews, 204 W. Smith St., Wayne City Carroll D. and Linda F. Berlin, 8601 Gold Hill, Shawneetown Patrick F. and Christy R. Powers, 207 N. Dean, Royalton Roger K. and Angela K. Shockley, 405 High St., Mound City Bryan C. Hosch, 206 Missouri Ave., Carterville Regina L. Harley, 612 Valmar Drive, Marion Jamie S. and Candice M. McClellan, 27230 McDaniel School Road, Tamms Robert and Mildred D. Williams Jr., 1308 Brush
St., Johnston City Robert Glenn Brewner, 608 N. Washington, Du Quoin Michael Joe and Eleanor Rose King, 456 E. Park, Du Quoin Steven R. and Crystal D. Miller, Route 1, Box 1, Johnsonville Trevor L. and Kimberly J. Moore, P.O. Box 193, Pinckneyville Mickey S. Ridings, 1612 Swanwick, Chester Joseph E. Reichrath, 155 Reichrath Drive, Murphysboro Cole William Middendorf, 506 Mason St., Pinckneyville Anna M. and Lee R. Summers, 1125 Blakely St., Benton Ronald Dean and Sandra J. Green, 171 Wedgewood Lane, Du Quoin Terry W. Ellison, 2121 First St., Eldorado Michael L. and Joyce I Ellet Sr., 104 Walnut St., Grand Tower Steven K. and Tammy A. Hill, 23094 Corinth Road, Thompsonville Billy J. and Sharri L. Powell, 11 W. South St., Harrisburg Helen J. Rumsey, 834 Falcon Road, Carbondale Brendon S. Gibson, P.O. Box 3744, Carbondale Danny Alson and Candice Leigh Wright Jr., 801 N. McLaren, Marion Joy B. Sherry, 810 S. Skyline Drive, Carbondale Jesse A. Shepard, P.O. Box 412, Anna Carl J. Pullaro, 804 W. Hendrickson, Marion Julie A. Jones, R.R. 3, Box 143C, Golconda Kelly M. Seiler, 209 S. Cherry St., Sesser Lonnie G. Odle, P.O. Box 1541, Benton Tammy L. Dunnigan, 911 Barham, Johnston City James L. and Janet S. Forster, R.R. 1 Box 64, Rosiclare Roger W. Blake, 112 N. McKinley St., Mounds Karen A. Larson, 15462 N. Old Centralia Lane, Mount Vernon Ira L. Crook, 723 Maple St., Murphysboro Craig M. Roberts, 907.5 West A, West Cherry St., Marion Casey N. Bell, 911 E. Boyton, Marion James A. Goad, 312 Third St., Carmi Nicholas L. and Lee A. Leopold, 511 E. Vine St., Vienna Ronald G. and Misty Holland, 314 Poplar Ave., De Soto Vernon D. Henry, P.O. Box 183, Sesser Mark S. Grammer, 605 S. Mannering, Royalton Vickie J. Watts, 605 S. Manering, Royalton Pamela I. Oliver, 100 Wells St., Apt 15B, Murphysboro Benjamin M. and Brandi D. Cornell, 13819 Peoria Road, Marion Jeanna Ann Workman, 504 Baggott, Zeigler Kani Jo McCree, 3461 Strawberry Road, Brookport SEE FINE PRINT / PAGE 23
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APRIL 2011
SOUTHERN BUSINESS JOURNAL
23
Mark Your Calendar April 8 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.
April 12 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. Starting a Business in Illinois Seminar: 1 to 3 p.m., Herrin Chamber of Commerce, 3 S. Park Ave., Suite A. Free. An optional business start-up kit is available for $15. Call 618-536-2424 or email sbdc@siu.edu.
April 13 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.
April 14 Intermediate Excel 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
April 18 Beginning Outlook 2007: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
April 19 Intermediate Access 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Beginning Publisher 2007: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
Find more business news at www.sbj.biz. April 20 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. Visio 2007: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
April 21 Advanced Excel 2003: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
April 26 Advanced Access 2007: 8:30 a.m. to 4 p.m., Room F112, John A. Logan College Center for Business & Industry, 700 College Road, Carterville. Intermediate Word 2007: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
April 27 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. Beginning/Intermediate Adobe Acrobat: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
April 28 Beginning/Intermediate Adobe Photoshop: 8:30 a.m. to 4 p.m., Room H125, John A. Logan College Center for Business & Industry, 700 College Road, Carterville.
For more information on John A. Logan or to register for classes, call 618-985-2828, ext. 8510, or email cbi@jalc.edu. Cost is $55 unless otherwise noted.
FINE PRINT FROM PAGE 21 Angela N. August, 2002 State St., Chester Gaye Lynn Morris, 1216 E. Clark St., West Frankfort Timothy L. Bundren, 11610 Cedar Grove Road, Marion Maria Delcarmen Solano, 1400 N. Illinois, 451, Carbondale Agnes L. Calbert, 218 Richland Terrence, Mounds Dallas E. and Glynda M. Jackson, 3606 U.S. 51, Mounds Jeffrey Marion and Daleo Joe Castellano, 1403
Marionna Drive, Marion Timothy Scott and Amber Rae Culiver, 1901 N. Cherry St., Lot 39, Mount Carmel Albert T. and Andrea G. Meilleur, P.O. Box 101, Carterville Clavin L. and Susan J. Dunn, P.O. Box 192, Goreville Charles H. Hooker, 314 S. Line St., Du Quoin Maryann Upton, 601 Smith St., Benton David A. Christ Sr., 955 Vines Road, Cobden Ronald Eugene Samples, 19132 Streetcar Road, Pittsburg James W. Davis, 1302 Oak St. Extension, De Soto Barbara J. Belcher, 1901 W. Cherry St., Marion Dustin J. and Amy M. Barnett, 605 Evergreen Lane, Carmi