Southern Business Journal 06-2012 by The Southern Illinoisan

JUNE 2012

Directory of Advertisers

Inside J U N E

20 1 2

1st Bank & Trust of Murphysboro ..........7

Not getting a decent return? Too much risk is what you’re trying to avoid with your retirement savings, but there are dangers in being too conservative. The classic bear-market move is to shift money from stocks into high-quality bonds, but they aren’t providing great yields today and their value will fall when interest rates rise. There are other yield sources that may be worth a look. Page 9

improvement over the prior year in a number of Southern Illinois counties, but a greater number of counties reported decreases and the regional tally showed a 1 percent dip from February 2011. Unemployment numbers nationwide recently moved in the wrong direction, but regional jobless numbers dropped 1.6 percent during March. Get the latest numbers on economic vitality across the region in our monthly feature, Southern Illinois Indicators. Pages 12-13

ELDER LAW

ACHIEVEMENTS

Medical bills of parents: States around the country are gearing up to go after the assets of adult children for the health care of their parents. The nursing home industry and policy think-tanks are pushing hard to make children responsible for their parents’ nursing-home and other long-term care. Learn what steps you can take today to protect yourself from a trend that could have serious financial consequences if extended into Illinois. Page 11

Who is in the news? Find out who has been hired, who has been promoted or who has received an award for efforts in business. Make sure you check out our newest ‘Faces in the News’ collection of business portraits and learn more of achievements and honors in regional businesses. If you know of a business or businessperson who deserves special recognition for advanced training, a unique honor or a business expansion, please let us know at sbj@thesouthern.com. Pages 16-19

INVESTMENTS

Architechniques, Ltd ..............................3

Bank of Marion....................................10

Bill Ecker, State Farm Insurance ............3

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

John A. Logan College ........................ 22

Modern Office Connections .................. 5

Occupational Performance and Rehab ..11

Oliver and Associates, Inc. ................ 20

Pepsi MidAmerica .......................... 5, 20

INDICATORS

ON THE COVER

Some encouraging signs: New vehicle sales in February showed

Photo by Paul Newton / The Southern

SIU Credit Union ................................ 24

SIU Small Business Development ........10

Publisher: Bob Williams n 618-351-5038

Southern Illinois Healthcare................ 17

Editor: Gary Metro n 618-351-5033

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

Advertising: Mark Dynis n 618-351-5815

Williamson County Airport......................5

Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL 62901, or at P. O. Box 2108, Carbondale, IL 62903. Also reach us on the Web at www.sbj.biz and via email at SBJ@thesouthern.com. The Journal is published 12 times per year monthly, and mailed to businesses, community development leaders, chambers of commerce members and other professionals in Southern Illinois. Copyright 2011 by The Southern Illinoisan, all rights reserved. A subscription may be obtained by calling 618-529-5454 or 618-997-3356, or by visiting our website.

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JUNE 2012

SOUTHERN BUSINESS JOURNAL

Cover Story When things go bad: How businesses should prepare BY LES O’DELL SBJ CORRESPONDENT

Business is unpredictable. No matter what sector or industry, practically any number of factors can change at a moment’s notice — for good and for bad. When bad things happen, the manner in which those changes are handled by management and ownership can mean the difference between staying in business and closing up shop. In fact, the Insurance Information Institute reports that up to 40 percent of all businesses affected by a natural or human-caused disaster never reopen. Sometimes damage to a business is disastrous (just ask Harrisburg business owners who suffered from flooding one year and a tornado the next), but even smaller things can be just as damaging, such as unflattering media coverage, unhappy customers or the loss of a key staff member. So, what should businesses do to be ready for the times when things go bad and how should they react? Business consultant and frequent Southern Business Journal contributor Cavanaugh L. Gray of The Entrepreneur Café said the answer is simple. Prepare. “First, it is important to have the knowledge that something bad may happen some day,” he said. “It is hard for people to think about, but just having it in mind is a huge starting point.” Just as managers and leaders take time to create business plans, marketing plans

and staffing goals, Gray said they also need to think about how to react if something goes wrong. “While there may not be a clear-cut way to prepare, we need to think about how we will respond to any crisis or event,” he said. “That definitely has to be part of the plan. You can’t ignore that something is going to happen.” Gray added that responding to how any situation plays out in the media is of utmost importance. “Everything we do in response in the media is going to either positively or negatively affect our brand. You have to address the situation clearly and quickly. When you let it fester, the situation takes on a life of its own.” He pointed to several recent examples on the national level, including how Taco Bell responded to accusations of serving meat that may not have been up to governmental standards or consumers’ expectations. “What I remember is that the CEO went on television the very next day and used the situation as a platform to talk about the quality of the food they serve and how much people love Taco Bell,” Gray said. “He acknowledged the situation and addressed it very quickly.” Gray contrasted the response to the negative light other companies have been cast in because of poor corporate decision making, pointing to reports of bad customer service by Spirit Airlines and Jet Blue’s recent removal of a toddler from a flight, saying she was on the “No Fly” list. Customer service specialist and

Find more business news at www.sbj.biz. associate professor of marketing at SIU Carbondale, Cheryl Burke Jarvis said it is best for companies to avoid damaging media coverage, but when it does occur, businesses have to respond. “The best recommendation is to get it right the first time,” she said. “But, when something does happen, research shows that customers are looking for an explanation as to why it happens and some assurance that it’s not going to happen again. The keys are to be open, be very public, be very prompt and be both apologetic and acknowledge the problem.” Negative press can happen to any business. Perhaps less-than-stellar health department inspection scores for a popular restaurant are made public or a confrontation between customers happens inside a locally owned retail shop. Burke Jarvis said troublesome circumstances are not necessarily a perception problem. “Again, the ideal for any business is not to get in the position of having bad press in the first place. For example, if you’re having health code violations, that’s not a word-of-mouth problem; that’s a business problem.” But, once word of any problem is out, she said it is time to respond. “The challenge is that once people hear something, it’s really hard for them to unhear it, so you’ll have to earn some media of your own. You have to make

customers understand that you took the incident seriously,” she added. Not all business problems play out in the public eye, however. Businesses often suffer, or even close, simply because of a lack of planning. “There are so many businesses that don’t have anything in the way of a plan or insurance or cash reserves,” Matt Bishop, co-owner of Bishop and Elwell Insurance Agency in Murphysboro, said. “They haven’t even thought about that, and then something happens and the business goes under because they didn’t plan for the bad thing to happen.” He said a variety of insurance products are necessary to keep businesses afloat after adversity, including liability insurance, property coverage and an umbrella policy. Even the loss of a critical employee or a business owner is something managers need to prepare for, Bishop added. Those preparations often include specific insurance products and legal documents. Bishop said an insurance policy, called key man insurance, protects companies if an important member of the team leaves the company for some reason. “This is a policy providing money to help the business stay afloat until they can reestablish that key person or train someone else with that key knowledge or special role. It’s for someone with special training or very specialized knowledge,” Bishop said. He added that key man insurance, along with a buy-sell agreement written with the assistance of an attorney, can ensure

SOUTHERN BUSINESS JOURNAL

JUNE 2012

Cover Story that companies survive the death of an owner or partner. “It said exactly what is going to happen if someone becomes disabled or dies and how it’s going to happen,” he said, “but there also has to be insurance on all of the owners to make sure that what is outlined in the agreement can happen.” Such an agreement and the accompanying life insurance policies were in place for the three men who owned Vogler Ford, prior to majority owner Frank Black’s death in 2008. The planning made certain that the dealership and the four

Southern Illinois NAPA stores owned by the company continued. “There were three owners at that point, and we all had signed buy-sell agreements, and we had key man life insurance on all of us,” co-owner Bryan Black recalls. “If one of us was to die, the other two immediately knew what would happen and that the remaining two would buy out the other’s share.” Black said the terms of the buyout were dictated in the agreements and the life insurance assisted with the buy-out. He said arrangements such as these help

ensure the business continues. “Without these plans, it can be a terrible mess. First off, the court will decide a lot of things for you. And, with heirs, you suddenly have all of these other partners, whether or not they know anything about the business at all,” he said. “I would think that in many cases it can lead to the sale of a company or even closure.” He added that having a plan put everyone at ease. “In the days after Frank’s death, the employees were terribly worried, wondering what was going to happen to

the company,” Black said. “The knowledge that everything was going to be OK, because we had been planning for this over the last 20 years, was comforting to us and to each of them. It laid a lot of fear to rest. “All of this planning is very important. Otherwise, things may not be left up to you and the people you trust if something happens.” LES O’DELL of Carbondale is a regular contributor to Southern Business Journal and The Southern Illinoisan.

Your Business Income statements help owners eye the numbers BY CAVANAUGH L. GRAY SBJ CONTRIBUTOR

There is something about having to wade through financial statements of any kind that seems to strike fear in the bravest of small business owners. With a couple of big Gray projects coming online during the next couple of months, I found myself forced to revisit my own financial plans in order to make sure I was headed in the right direction. It doesn’t matter how simple or complex your financial planning; it’s easy to get turned around when it comes to preparing financial statements. A must for any small business is the understanding of income statements and how to go about developing them.

Understanding financial management Financial management provides business owners with relevant information to make important business decisions. Under the umbrella of financial management, there are many

tools to help companies stay on top of their checkbooks. In my years of teaching small business management, I found that students would often start zoning out when it was time to talk numbers. However, if there was one tool that I made sure stuck, it was the understanding of how much money was coming in, how much money was going out, and whether or not the company was in the black or red at the end of the month. Income statements compare revenues against expenses throughout a period of time to show either a net gain or loss. The following examines some important points when evaluating or developing income statements.

Letting the revenues flow In helping new owners understand the concept of revenues, I like to use the concept of a portable hot dog stand. Not very glamorous or technology driven, but it does the job. When customers stop by my hot dog stand, they can expect a quality, Chicago-style hot dog. Too often, owners sell themselves short financially by not diversifying their offerings. If customers stop by for a hot dog, shouldn’t I be prepared to offer chips and a soda, as well? When looking at revenue generators,

it’s important to investigate whether or not the product or service has wider appeal, can be used in different ways or if the company can offer complimentary products or services. Complimentary products or services should never take owners far from their core business. However, by not considering these options, you run the risk of leaving a lot of money on the table, or worse — leaving customers dissatisfied.

Factoring in critical expenses There are always costs associated with running a business. The first expense that often gets overlooked by business owners in developing income statements are salaries. Looking to keep cost down and streamline their financials, owners will elect to forego salary until the business takes off. That only works if owners have a reserve fund or other income that they can live off of until that time. This approach usually sends up red flags for investors as projections without salaries can be viewed as unrealistic. Another overlooked expense is marketing. Many owners are still holding on to the “if you build it, they will come” mentality. Not factoring in some level of marketing could leave you holding a great product that nobody

knows anything about. Lastly, entrepreneurs have to get comfortable with not trying to do everything themselves. The quality of service provided by your accountant, attorney or your graphic designer cannot be duplicated. By factoring in these critical expenses into your income statement, you paint a more realistic picture of what your projected profits or losses will be. Many entrepreneurs are forced to face their financial fears in order to keep their businesses moving forward. Unfortunately, a lot of owners have gotten comfortable with allowing their numbers person to deal with the financials, or they simply avoid them altogether. If this is your first foray into income statements, looking for multiple sources of revenue and balancing necessary expenses could have you sitting in the black. CAVANAUGH L. GRAY (cgray@ecafellc.com) is director of business development for The Entrepreneur Café, LLC and can be reached at 877-511-4820. For more insight on developing income statements or for more information on how to start, grow and succeed in small business, follow The Entrepreneur Café, LLC on Twitter @TheECafe and on Facebook.

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SOUTHERN BUSINESS JOURNAL

JUNE 2012

Employment Law Employers: Beware of stumbling on genetic markers BY WILLIAM SCHMITT SBJ CONTRIBUTOR

In countless Illinois towns, a day doesn’t go by without a resident applying for a job at a hometown business, where the company owner may know a little something about Schmitt the applicant or the family. Such familiarity defines the charm of a close-knit community. But, today, the wonders of unlocking the genetic code have introduced a quandary of potential legal pitfalls for that charming familiarity. It’s called the Genetic Information Nondiscrimination Act, and it has created innumerable scenarios where even a little innocent knowledge of a medical condition can create problems. Suppose our hometown business owner is aware the applicant’s mother and a sibling have been treated for depression. If the employer declines to hire the applicant, and it can be proven the employer knew of the family history of depression, GINA opens the possibility the business owner was acting on a genetic marker in turning the applicant down for the job. Take another example: An employee has allergy-like symptoms for which a doctor prescribes allergy medication. While putting in a claim under the employer’s health plan, the employer receives a medical record from the doctor stating the employee might be suffering from a lung deficiency, the same hereditary lung disorder which had taken a brother’s life. The employee is fired because of a concern that this person will eventually cause an increase in the employer’s health insurance premiums. While GINA has been on the books since 2009, and its protections are now staples of the Equal Employment Opportunity Commission posters found in the workplace, there are only a few court cases referencing GINA to date. Without the benefit of judicial

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The Genetic Information Nondiscrimination Act has created innumerable scenarios where even a little innocent knowledge of a medical condition can create problems.

interpretation and application, we lack the process that puts meat on the bones of the statute to give employers, insurance companies and lawyers some guidance on where and how far the law will ultimately go. In other words, everyone is a bit of a guinea pig when it comes to fully understanding the impact of GINA. So, let’s look at the basics of the law: What’s covered: Genetic information includes information about an employee’s genetic tests, genetic tests of a family member or an employee’s family medical history. What’s not covered: Genetic information does not include information about the gender and/or age of the employee’s family members or information about current diseases or disorders an individual may have. Genetic information also does not include alcohol or drug tests. While GINA focuses on acquiring genetic information, certain segments

are so vague that even a little knowledge of genetic markers can leave an employer at risk. Stumbling on genetic information is easier than you think. For example, take the case of an employee being reprimanded for a recent history of tardiness. In a memo of the reprimand, the supervisor makes a note of the employee’s excuse for tardiness — a mother’s work schedule change that required the employee to take the responsibility of giving a diabetic brother injections before taking him to school. Genetic markers for diabetes have now been disclosed. Even if the employee is later terminated for just cause, the employee could claim the firing was due to genetic discrimination. Some companies require employees to submit death certificates of family members if they are going to be paid for bereavement leave. If the certificate reveals a cause of death with a genetic marker and it is held in the employee’s file, the employer could be vulnerable to

a charge of genetic discrimination if the employee is terminated at a later date. The Equal Employment Opportunity Commission expects about 200 new GINA discrimination charges filed per year, and this year it issued new guidelines for record keeping. Companies with 15 or more employees are required to preserve genetic records related to GINA in a similar way that employment records are saved under the Americans with Disabilities Act. It also added a requirement to save all records related to a GINA discrimination charge until the case is resolved, which can take years. Genetic information should be treated the same as any other medical information in the employer’s possession. The information, including electronically transmitted information, should be kept strictly confidential and segregated from other employee records. Medical records, including records pertaining to workers’ compensation claims, should not be included in an employee’s personnel file, but in a separate file, securely maintained. If medical information exists in electronic form and it is not password-protected or there is a risk that it can be accessed by others, that information should be printed to hard copy, deleted from electronic storage, and the hard copy also placed in a medical file, secured from access by others. Despite the uncertainties of the law, employers can take some proactive steps to mitigate risk. They should review and update existing policies and procedures, particularly those regarding the collection and maintaining of medicalrelated information to insure compliance with GINA. They should also take a more guarded approach when engaging employees to avoid stumbling over genetic markers. The charm of employer-employee relationships is still possible without becoming a test case for GINA. WILLIAM SCHMITT is an officer in the labor and employment and litigation practice groups of Greensfelder, Hemker & Gale, P.C. in Belleville. More information can be found at www.greensfelder.com.

JUNE 2012

SOUTHERN BUSINESS JOURNAL

Money Matters Earnings yield versus dividend yield BY MICHAEL P. TISON SBJ CONTRIBUTOR

Many publicly traded companies are profitable companies. There are many valuation methods that can be used to assess whether a stock is a good buy or not. The most Tison commonly used valuation method is the P/E ratio. It is simply the price of the stock divided by the earnings of the company. Other valuation methods are return on equity, price to book, price to sales, PEG ratio and the earning yields, to name a few.

For this discussion, let’s concentrate on the earnings yield. Earnings yield is not widely used, but it probably should be used more because it is so easy to understand. For instance, if a stock valued at $20 has $1.80 earnings, it has an earnings yield of 9 percent. So, instead of quotes that typically use a P/E of 11, we are actually using a percentage. In theory, the percentage represents the return of every dollar invested that should be earned by the company, assuming earnings don’t change. The percentage can then be compared to other investments. I don’t know what you think, but a 9 percent earnings yield is much better than many investments offer right now. Now, the company can do two things with the 9 percent the

Find more business news at www.sbj.biz. company made with your investment. It can either pay out a dividend or increase retained earnings and invest that money back into the company. Personally, I think dividends are nice. Now, in any one year, just because your investment made 9 percent at the company doesn’t mean your personal rate of return was 9 percent. This is because publicly traded stocks are exchanged traded and fluctuates in price based on supply and demand. In 1999, the P/E of many stocks grew to 20 with the tech boom. Since the earnings yield is the inverse of the P/E ratio, the earning yield was 5 percent on average.

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That was a historically high P/E and low earnings yield. Today, many good quality stocks trade an 11 or 12 P/E ratio, which correspond to earnings yield of 9.1 percent or 8.3 percent. If you have a calm demeanor and a longer-term investment horizon, you should invest some of your money in stocks with a high earnings yield. There certainly are other factors, which affect long-term performance and your personal rate of return, but you can start analysis with earnings yield. MICHAEL P. TISON is an investment adviser and registered principal with Raymond James Financial Services, Inc., with offices in Harrisburg and Marion. He can be reached at 618-253-4444 or michael.tison@raymondjames.com.

JUNE 2012

SOUTHERN BUSINESS JOURNAL

Investments Options for more retirement income What do you do if your portfolio isn’t generating a decent return? BY SCOTT MCCLATCHEY SBJ CONTRIBUTOR

Do you wish you had more money these days? You aren’t alone. Many retirees find their income streams are insufficient. Right now, interest rates are at rock bottom. And, McClatchey it appears they will stay there for the near future. With the federal funds rate near 0 percent, some of the classic conservative retirement investments, such as money market funds and CDs, aren’t even earning returns to keep up with 2 to 3 percent inflation. Today, a little adjustment to your portfolio might lead to a better yield. Growth investing is important even when you are retired. It makes sense to be conservative with your hard-earned retirement money. The dilemma is that you can be too conservative when investing it. Some retirees adopt an extremely risk-averse investment approach. A trade-off comes with that decision: If your goal is to minimize risk, you may also risk minimizing your potential for higher portfolio returns. If you owned a longer-term CD when the recession began in December 2007, the income from new, comparable-term CDs has dropped by two-thirds since then. The goal is to find the middle ground — a level of risk that you can comfortably assume in pursuit of a return that translates to a better income stream. While some retirees would like to bail out of equity investing, that may pose a risk in itself. As stocks may return 10 to 15 percent (or better) in a good year, it is pretty hard to walk away from their potential. If you want improved cash flow, fixed-rate investments (e.g., bonds, CDs) may not have the ability to provide it.

This is why you don’t want to abandon growth investing — the kind of investing with a foot in the equities markets, the kind you may have used to build your retirement savings. Many people in their 50s, 60s and even 70s are still in the accumulation phase. They still need to build up their retirement fund even as they need to withdraw income from it. Remember the Rule of 72. You may have heard of this financial rule of thumb, often used to project inflation. At 4 percent inflation, the cost of living will double in 18 years. At 8 percent inflation, it will double in nine years, and so forth — whatever multiplies to 72. Inflation is about 3 percent right now, but there’s no guarantee it will stay there for the balance of your retirement. It wasn’t so long ago when consumer prices would rise by 5 percent, 8 percent, even 12 percent or 15 percent a year. Please note the Rule of 72 is a mathematical concept and does not guarantee investment results or function as a predictor of how an investment will perform. It is an approximation of the impact of a targeted rate of return. Your retirement income has to keep pace with this inflationary advance. If it doesn’t, you will be left with less and less purchasing power as the years proceed. Imagine trying to live today on the amount of income you earned 15 or 20 years ago. Wouldn’t that be depressing? Wouldn’t your lifestyle suffer? Well, that is the outcome you risk having if your retirement income doesn’t increase with the times. Factor in medical costs and life’s little emergencies, and the message is clear. You need more income for the future, not the same or less. Where might a conservative investor find a better yield? The classic bearish move is to shift money from stocks into high-quality bonds; however, highquality domestic bonds aren’t providing great yields today and their value will fall when interest rates eventually start to rise. There are other yield sources that may be worth a look. l Real estate investment trusts allow

you to enter the commercial real estate sector without the hassles of property management. They give you a fractional ownership share of a major-league real estate portfolio with potential for dividend payments and decent returns. Private REITs are not publicly traded. l Dividend stocks stood out during the recession, as investors turned to them for cash flow. Commonly, they are issued by established corporations in essential industries. l Higher-yielding bonds are available for investors able to handle the higher volatility and potential for default associated with high-yield bonds and foreign, particularly emerging market, bonds which benefit from both the higher inherent yields, but also the declining U.S. dollar. l Utilities. Investors often look to the utilities sector for a hedge as utilities stocks have the potential for nice dividends in good and bad market climates. Ask about your options. In fact, ask me. I have helped other retirees assess and revise their portfolios with the goal of rebuilding and/or growing their incomes and savings. Call or email me today with your questions or to arrange a time to meet. What you learn might make you feel better about your financial future.

Find more business news at www.sbj.biz. SCOTT MCCLATCHEY is a certified financial planner with Alliance Investment Planning Group, a Carbondale investment firm at 115 S. Washington St. He can be reached at 618-519-9344 or scott@alliance investmentplanning.com. He also provides investment, retirement planning and insurance services to SIU Credit Union members through the SIU Credit Union Investment Services partnership. Securities offered through LPL Financial, member FINRA/SIPC.

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JUNE 2012

SOUTHERN BUSINESS JOURNAL

Elder Law Government focuses on adult children’s assets to pay for parents’ nursing home care BY RICHARD HABIGER SBJ CONTRIBUTOR

It appears that states around the country are gearing up to go after the assets of adult children for the care of their parents. This was the alert given in a recent publication Habiger of the National Academy of Elder Law Attorneys (NAELA News. April-May 2012). As states gear up for an all-out assault on families, there is a steady drum beat of news articles with titles such as: “Pay Your Parents’ Bills or Else;” “If Mom Can’t Pay, Adult Child Must;” and “Little-Known State Laws Force Some to Pay Their Parents’ Nursing Home Bills.” These recent articles flow directly out of a movement that got started in 2005, when a policy paper was issued by the National Center for Policy Analysis. That paper urged states to vigorously enforce state statutes called filial responsibility laws. The Center opined: “... many [seniors] have adult children who could contribute toward their [parent’s] care, but do not do so ... Enforcement of state filial responsibility statutes could reduce Medicaid spending ... Reminding children of their obligations would encourage them and their parents to consider proper planning ...” Since the publication of the NCPA paper, there has been an ever-increasing effort to encourage enforcement of these laws. For example, nursing home industry leaders have been blogging frequently on the issue of filial responsibility. In a blog entry, a nursing home administrator editorialized that the filial responsibility laws ought to be enforced “as a way of shoring up faltering Medicaid dollars.” In another entry, another blogger wrote: “But Medicaid is in big trouble ... and

will be inundated when Baby Boomers reach old age. The staggering cost of long-term care and the explosion in the number of people who will need it has prompted a second look at filial responsibility laws as a way to deal with the impending crisis.” Indeed, it appears some states that do not have filial responsibility laws may be considering the enactment of such statutes in the hope of using the laws to balance their state’s budget. Thirty states have such laws. Although Illinois does not have a filial responsibility statute, Illinois court cases have long imposed financial responsibility for the health care of children, spouses and indigent parents on other family members. With the financial health of Illinois in a truly dire condition, it does not take a rocket scientist to realize Illinois may soon seek to extract retribution on Illinois families by: (1) enacting a filial responsibility law; or (2) seeking to use the legal theories and decisions of those old court cases to pursue adult children. In either or both eventuality, the goal would be to recoup, from adult children, money the state has paid for the nursing home and other long-term care of the children’s parents. In light of the gathering storm clouds that threaten to produce a tornado, which could rip apart the financial security of yourself and your loved ones, there is a need to vigilantly monitor filial responsibility laws and related activity around the country. AARP’s website has an interactive map that will aid you in this regard: http://aasets.aarp.org/ www.aarp.org_/articles/bulletin/interac tive/filialpiety/index.html. More importantly, with the nursing home industry and policy think-tanks pushing hard in the direction of making children responsible for the cost of their parent’s nursing home and other longterm care, now, more than ever, it is important to consult with knowledgeable and experienced counsel to protect yourself, your home, your assets and those you love.

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, and may be reached at 618-549-4529 or info@habiger elderlaw.com.

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Although Illinois does not have a filial responsibility statute, Illinois court cases have long imposed financial responsibility for the health care of children, spouses and indigent parents on other family members.

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 March 2012

2011

2010

2009

2008

2007

22.0 14.7 115.1 7.0 9.6 19.3 40.9 34.6 2.4 129.3 15.6 101.1 24.2 19.9 7.0 13.1 23.5 6.9 16.0 22.4 $644.6 $31,420.2

119.1 86.4 593.5 42.0 55.7 113.5 214.0 154.0 11.4 686.9 84.4 533.6 135.2 110.3 42.3 74.7 128.2 40.1 88.3 122.5 $3,436.1 $154,650.6

120.9 69.5 598.0 42.2 55.3 77.1 195.0 153.4 11.8 683.1 82.0 507.0 130.6 96.6 38.5 75.2 128.5 39.9 87.8 112.4 $3,304.8 $147,232.0

114.5 69.4 565.5 39.9 52.9 100.8 191.9 147.2 12.5 676.0 77.1 476.7 129.1 107.9 37.2 70.1 126.4 37.1 91.9 111.4 $3,235.5 $139,593.2

113.3 71.4 587.7 40.1 51.5 91.9 179.3 135.9 12.4 673.4 75.9 482.8 117.1 101.8 39.0 77.7 130.5 40.5 89.6 111.2 $3,223.0 $237,438.0

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

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

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

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

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

IPMFG March 12 95.5

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

Labor force

Jobless

Mar 2012

Feb 2012

Mar 2011

2,939 17,319 2,593 4,181 1,805 32,621 19,865 5,178 7,491 9,492 1,860 2,732 15,408 12,681 7,999 8,461 7,574 34,536 194,735 6,548,300 154,316,000

323 1857 222 321 172 2,284 1,691 495 588 1,017 157 271 1,292 1,066 935 596 558 2,856 16,701 589,000 12,904,000

11.0% 10.7% 8.6% 7.7% 9.5% 7.0% 8.5% 9.6% 7.8% 10.7% 8.4% 9.9% 8.4% 8.4% 11.7% 7.0% 7.4% 8.3% 8.6% 9.0% 8.4%

11.5% 11.9% 9.7% 9.0% 11.2% 7.8% 9.5% 11.2% 8.7% 11.9% 10.4% 11.6% 9.4% 9.6% 13.6% 8.3% 8.5% 9.2% 10.2% 8.7% 8.7%

11.7% 11.6% 8.6% 9.0% 10.9% 7.2% 8.5% 10.3% 8.4% 10.9% 10.0% 9.7% 8.2% 9.0% 12.0% 6.8% 8.3% 9.0% 9.5% 9.6% 9.2%

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

Change month q q q q q q q q q q q q q q q q q q q p q

0.5 1.2 1.1 1.3 1.7 0.8 1.0 1.6 0.9 1.2 2.0 1.7 1.0 1.2 1.9 1.3 1.1 0.9 1.6 0.3 0.3

Change year

76 74

q 0.7 72 92.2 q 0.9 70 68 0.0 q 1.3 66 q 1.4 64 A S O N D J F M A M J J A S O N D J F M ’10 ’11 ’12 q 0.2 0.0 SOURCE: FEDERAL RESERVE BANK OF CHICAGO q 0.7 q 0.6 q 0.2 q 1.6 p 0.2 Mar 12 Mar 11 Change p 0.2 p 0.6 MONTHLY TOTALS q 0.3 874 771 p 13.4% p 0.2 YTD TOTALS q 0.9 q 0.7 2,267 2,001 p 13.3% q 0.9 2011 2010 Change q 0.6 ANNUAL TOTALS q 0.8 9,682 7,478 p 29.5%

CFMMI March 12

Williamson County Regional Airport passengers

I S I N Consumer credit score

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

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

Feb 11

10 108 26 25 7 140 80 32 14 62 7 6 108 120 47 38 46 193 1,069

9 117 22 26 3 123 94 33 18 56 4 8 95 112 54 57 49 200 1,080

716

692

Benton

Region

693

687

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 Feb 12

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

Change

2011

11.1% 7.7% 18.2% 3.8% 133.3% 13.8% 14.9% 3.0% 22.2% 10.7% 75.0% 25.0% 13.7% 7.1% 13.0% 33.3% 6.1% 3.5% 1.0%

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

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

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

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

Total units sold, including condominiums

Q4 11 Alexander Franklin Gallatin Hamilton Hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski Randolph Saline Union Williamson ILLINOIS

4 72 0 1 0 68 49 17 19 19 2 4 30 43 18 135 25,394

Q4 10 8 53 4 1 0 59 63 15 16 35 2 2 27 28 17 113 22,114

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Change

q 50.0% p 35.8% q 100.0% 0.0% 0.0% p 15.3% q 22.2% p 13.3% p 18.8% q 45.7% 0.0% p 100.0% p 11.1% p 16.7% p 5.9% p 19.5% p 14.8%

April 12 101.5

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

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

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

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

' 09

' 10

' 12

' 11

SOURCE: INSTITUTE OF GOVERNMENT AND PUBLIC AFFAIRS, UNIVERSITY OF ILLINOIS

Hotel/motel stats

Consumer Price Index

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

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

Feb 12 Feb 11 MONTHLY TOTALS $551,781

YTD TOTALS $1,000,112

$926,188 p

2010

10.5%

$43,250 $42,500 $83,250 $49,500 $0 $90,000 $75,000 $49,900 $64,000 $68,000 $73,500 $39,500 $72,000 $50,750 $97,500 $114,900 $143,000

230

228

8.0%

Change

$7,710,436 q <0.01%

MEDIAN SALES PRICE Q4 11 Q4 10 $82,500 $45,750 $0 $55,000 $0 $112,500 $76,500 $39,000 $92,000 $64,900 $223,950 $115,000 $86,500 $67,000 $84,887 $105,000 $128,000

Change

$499,216 p

2011 ANNUAL TOTALS $7,706,931

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

Home sales

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

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.

226

224

U.S. city average April 12 230.1

222

220

218

216

Change

p 90.8% p 7.6% q 100.0% p 11.1% 0.0% p 25.0% p 2.0% q 21.8% p 43.8% q 4.6% p 204.7% p 191.1% p 20.1% p 32.0% q 12.9% q 8.6% q 10.8%

214

Midwest urban April 12 219.4

212

210

208 A

A ’11

F M ‘12

SOURCE: U.S. DEPARTMENT OF LABOR

Prices at the pump Average price per gallon of regular, unleaded gas as of May 23 and april 22, 2012.

May 12 April 12 Metro East Springfield Illinois U.S. SOURCE: AAA

$3.74 $3.64 $3.90 $3.68

$3.89 $3.79 $4.02 $3.83

May 11 $3.83 $3.87 $4.09 $3.84

SOUTHERN BUSINESS JOURNAL

JUNE 2012

Workplace Employee engagement: How to involve the minds of your employees BY ANGELA HOLMES-YOUNG SBJ CONTRIBUTOR

What truly motivates us in the workplace? How can we get employees to do more with less? How do we encourage our employees to be true problem Holmes-Young solvers? At first, you may see money as the answer. Many will say that a pay increase or bonus is the way to motivate. However, research shows time and time again that money is not the answer to the motivation question. Employees want to be engaged in the workplace. Are you familiar with the term, employee engagement? While related to the idea of employee satisfaction, employee engagement is different. Employee engagement is really just a term for getting employees actively involved in the business. It is about encouraging them to use their brains to improve the workplace, no matter what their actual job or role in the organization is. Author Daniel Pink lists “autonomy, mastery and purpose” as the building blocks that today’s businesses should strive to offer employees in order for organizations to be successful. In December, the Society for Human Resource Management released its 2011 Employee Job Satisfaction and Engagement Research, where surveyed employees committed to being moderately engaged with a score of 3.6 on a 5 point scale. There are many definitions and models that have been created to define and explain employee engagement. When you think about employee engagement, think about this list of traits that are inclusive in organizations with employees who are actively engaged. View the list and compare it to

ART SERVICES

Employee engagement is really just a term for getting employees actively involved in the business. It is about encouraging them to use their brains to improve the workplace, no matter what their actual job or role in the organization is.

your own organization’s traits. l Credible leadership l Supportive co-workers l Job and career satisfaction l Recognition l Motivation l Relationship-building mechanisms l Valued input l Empowerment Now, if you are lacking in any of the areas listed above, pick one to start with. This can be your jumping-off point, a place to start the engagement process. Make sure you also ask employees what their perceptions of the existence of these traits are within your organization. Some organizations will do surveys to try to measure how engaged and satisfied employees feel. Surveys have their own pros and cons, and that is an entirely separate and larger topic. If you like surveys, do a survey. You can also feel free to be more informal and just

talk with employees. You can never go wrong by talking with your employees. Get real feedback that you can work with. So, how can you truly engage your employees? First, start with education. I am talking about true education relating to your products, business and industry. Many assumptions are made in the workplace every day. We assume that everyone probably knows what we know. Your employees should know your products and their purpose. Your employees should know who your top competitors are and how you are planning to surpass them. Your employees should also understand the challenges the business faces. As managers, we assume that everybody knows this stuff and thinks about it all day as we do. In reality, most don’t understand or know these things. Arm your employees with information. Let

your employees in on the key information that they need to know to be as passionate about your business as you are. Information is empowering, and bad news is better than no news. Next, invest in training to develop key skills. Invest in training for your leaders. I am talking about serious training that is planned and measured. Your leaders play a critical role in your organization and in employee engagement. Don’t just let them run around without knowing and understanding your business. They need to have insight into your business strategy — where you are going. I know that I wrote last month about the importance of training. Education is the way to success. You do not have to pay for all of your employees to get a master’s degree tomorrow, but in order to put everyone on the path to success, you must educate. Now, create opportunities for your

SOUTHERN BUSINESS JOURNAL

Find more business news at www.sbj.biz.

employees to be involved and make a difference. However, be careful not to overwhelm and do too much too soon. Think through your strategy here. For example, find ways for employees to give their input and for that input to be considered in a serious manner. Even something as basic as a suggestion box is a start and better than nothing. Offer employees ways to be involved in the decision-making and problem-solving processes when possible. Form teams or committees to work on key projects. Not everyone in your organization will be interested in becoming engaged. Do not plan for everyone to be excited about this shift in culture. The best case scenario is that most people will be excited to become engaged. Research shows that one-third of your employees want to be engaged, one-third of your employees do not want to be engaged, and the remaining one-third is in the middle and can be swayed to either side. Think about swaying that middle group away from the dark side and over to the brighter, employee-engaged side. Think of employee engagement as a cultural issue. In other words, a cultural shift is needed. Honestly, it is that big of an idea. It can be a game changer for your business if done well. Employee engagement doesn’t really just happen by accident. Building a culture of employee engagement happens through planning and creating situations where employees can be valued. In closing, start on your path to engaging your employees. Organizations with engaged employees see increases in production and customer satisfaction. They also see decreases in workplace accidents and turnover. No organization is too big or too small to start the engagement process. Start small and take it as far as you can. The book I’m reading now is called “Drive: The Surprising Truth About What Motivates Us,” by Daniel Pink, 2009. ANGELA HOLMES-YOUNG is vice president of Consulting & Human Resource Services for Your Professional Partners, Inc. in Marion. She consults with clients of all sizes in a variety of human resource areas, while also offering executive coaching and public speaking. Angela can be reached at angela@yourprofessionalpartners.com, 618-969-8800 or Twitter: A_Holmes_Young.

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SOUTHERN BUSINESS JOURNAL

JUNE 2012

Achievements Powless attends seminar

Faces in the news

David G. Powless, a certified public accountant of Kemper CPA Group LLP in Marion, attended the 55th annual estate planning short course seminar May 17 and 18 in Champaign. The seminar, produced by the Illinois Institute for Continuing Legal Education, covered a variety of estate, gift, income and GST tax topics.

Trimble

Rennison

Frost

Hale-Cook

Knight

Cleland

Folden

Calderon

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

Brummell

Payne

Faces in the news Have you been promoted? Send a photo. Has a colleague at work completed an intensive continuing education program? Send a photo. Others in the business community will want to know it, so please consider passing on your employment news and photos to the Southern Business Journal. Feel free to email the information to sbj@thesouthern.com.

Trimble named representative Ken Trimble of Anna has been named a financial representative for Country Financial. Trimble earned a bachelor’s degree from SIU in 2011. He serves clients from his Country office at 104 W. Broad St. in Jonesboro. He can be reached at 618-8332123.

Rennison attends advanced chassis class Steve Rennison, owner of The Auto Shop in Carbondale for more than 20 years, attended an advanced chassis class sponsored by Affinia on May 14.

One of Rennison’s technicians, Kenny Bottom, also attended the class.

Frost receives industry honor Kevin Frost, a financial representative with Northwestern Mutual in Herrin, has qualified for membership in the Million Dollar Roundtable, an international, independent association of nearly 19,000 leading life insurance producers. MDRT is a career milestone that indicates sales and service achievement. It is a highly recognized mark of excellence for life underwriters. Members must meet strict ethical and production requirements to qualify.

Stehley promoted to captain Thomas Stehley recently was promoted from lieutenant to the rank of captain with the Illinois State Police. Stehley was selected for promotion because he has demonstrated exceptional abilities as a police officer, investigator and administrator. As a 27-year law enforcement veteran, he will serve as district commander for District 13 and District 22.

Modern Woodmen campaign to benefit kids Modern Woodmen recently launched a new campaign on its Facebook fan page to provide new shoes to children who need them. The organization will donate $1 for each new fan on the page to Shoes That Fit until the end of the year (up to $10,000). If the campaign reaches $10,000 in donations, this means that Modern Woodmen will outfit at least 10 classes with new shoes and socks. Modern Woodmen’s fan page is at facebook.com/modernwoodmen.

Maragni named Correctional Officer of the Year John Maragni has been selected as the 2011 Correctional Officer of the Year at Tamms Correctional Center. Maragni has received several letters of appreciation from supervisors commending him for his commitment, positive attitude and professionalism displayed day after day.

Realtors donate $44K for tornado relief Realtor associations throughout Illinois recently donated $44,090 to Southern Illinois Community Foundation for the Harrisburg disaster relief fund. SICF Director Larry Busch accepted the check May 16 on behalf of the victims of the Feb. 29 tornado.

Donations were received from both individual realtors and realtor associations from Belleville, Glen Carbon, Springfield, Chicago, Champaign, Galesburg, Wauconda and Crystal Lake, including Illinois Association of Realtors in Springfield and Egyptian Board of Realtors in Marion.

Edward Jones ranks high in investor satisfaction For the sixth year out of the last eight, financial services firm Edward Jones ranks highest in investor satisfaction with fullservice brokerage firms, according to the J.D. Power and Associates 2012 Full Service Investor Satisfaction Study. The study measures overall investor satisfaction with full-service investment firms based on seven factors: investment advisor, investment performance, account information, account offerings, commissions and fees, website and problem resolution.

Harrah’s donates to Light the Way Foundation Harrah’s Metropolis recently presented a donation of $1,000 to Light the Way Foundation of Metropolis. This donation is an extension of the “Live the Code” commitment that Harrah’s exemplifies as a member of Caesars Entertainment to give back to the communities housing its gaming operations. Light the Way is working to bring affordable housing with limited restrictions to persons with mental illness and/or substance abuse problems.

Bank names Dawson head of St. Louis market Andy Dawson, formerly of Carterville, has been named president for the St. Louis market for The PrivateBank. He will oversee commercial, personal and private banking in the market, with a particular focus on growing The PrivateBank’s presence as a leading commercial bank in St. Louis, serving middle market companies with $10 million to $2 billion in annual sales. Dawson is a 1988 graduate of Carterville High School and 1990 graduate of John A. Logan College.

SEE ACHIEVEMENTS / PAGE 18

SOUTHERN BUSINESS JOURNAL

JUNE 2012

Achievements Habiger offering free service for seniors

Cleland started her banking career as a co-op student in 1995 with intermittent employment until she rejoined the staff at In recognition of National Elder Law Murphy-Wall in 2008 as Murphysboro Month, elder law attorney Richard Habiger of the Southern Illinois Habiger & facility branch administrator. Folden was hired in 2006 in the teller Associates Elder Law Office is providing a service department. She is currently the free living will to Southern Illinois residents executive administrative assistant to the who are 55 or older. This offer of free legal president/CEO, network administrator and documents for seniors is good until Labor payroll clerk. Day (Sept. 3). May was National Elder Law Month. Auto Credit grand opening For more information, call 618-549-4529 Auto Credit of Southern Illinois recently or visit www.habigerelderlaw.com. hosted a ribbon-cutting ceremony and grand opening of its newest facility at Bank of Herrin 1100 W. DeYoung St. in Marion. earns five-star rating The new Marion Auto Credit Superstore The Bank of Herrin has been recognized is part of Taylor Motor Company. as a five-star superior bank by the nation’s bank rating and research firm, Lifeboat Alliance BauerFinancial, Inc. hosts open house A five-star rating indicates that An open house was conducted recently The Bank of Herrin is one of the strongest at the newly renovated Lifeboat Alliance banks in the nation. Among other factors, Family Shelter, 1717 Jefferson St., in to earn this rating, The Bank of Herrin Mount Vernon. Tours of the shelter were must not only report impressive capital provided. levels, but also an enviable loan portfolio with negligible levels of delinquent loans. Brandon hired as Jerkins

Hale-Cook launches incontinence program

campus director

Doug Brandon has been employed to lead and manage Jerkins Creative Consulting Campus in Benton. JCC Dr. Jessica Hale-Cook, a physical Campus includes courses specifically therapist at Joyner Therapy Services in designed to instruct dealership personnel Harrisburg, has launched a urinary incontinence program. She has worked for in the agricultural and construction industries, as well as manufacturers on how Joyner Therapy Services since May of last year, when she graduated with a Doctorate to improve each department regarding profitability and service. of Physical Therapy Degree from the Brandon is a Herrin native who University of Evansville. founded and operated PCS Inc., a company For more information on the urinary incontinence program, call Joyner Therapy that provided logistical, staffing and environmental services for college, health Services at 618-252-7171 in Harrisburg, 618-998-9894 in Marion or 618-683-2728 care and industrial facilities. in Golconda.

Bank promotes three to assistant VP Three employees have been promoted to assistant vice president at Murphy-Wall State Bank and Trust Co. They are Candice Knight, Amy Cleland and Sarah Folden. Knight joined the Murphy-Wall State Bank staff in 2009 with six years of banking experience. She currently serves as assistant teller supervisor and branch capture, along with her new title of assistant vice president.

Stacey promoted to VP of Herrin Security Bank David T. Stacey of Herrin has been promoted to vice president of Herrin Security Bank. Stacey joined the bank in 1996 as a teller through Herrin High School’s Career Vocational Education Program. He graduated from John A. Logan College in 2002. He also is a graduate of Midwest School of Community Bankers and the American Bankers Association commercial lending and graduate commercial lending schools.

JCHA employees attend management clinic

established by the New York-based Pfizer, Inc., recently presented a $10,000 check as a donation to Southern Illinois Community Three Jackson County Housing Authority employees recently attended the Foundation’s Harrisburg Disaster Relief Fund. The check presentation was in 2012 Maintenance Management Clinic in Marion. Decatur, They include Tyler Young Jr., SICF established the relief fund after the executive director; Sean Belcher, property Feb. 29 tornado hit the region. and operations director; and Oueida Contributions to this fund are being Kelley, property manager. distributed to targeted identified needs JCHA has 820 public housing units and throughout the affected region. provides 557 Section 8 vouchers.

Yoga available at In Sync therapy center

Council selected for Healthy Woman Program

Twelve women have been selected to lead Crossroads Community Hospital’s Healthy Woman Program, which is beginning its seventh year. The council includes Rochelle Bond, Heather Burkett, Jill Cunningham, Michelle Depew, Rayanne Bowman, Linda Hanson, John-John’s BBQ opens Tricia Higgins, Kelsey Larson, Gai in Illinois Star Centre Millwood, Julia Mowery, Candis John-John’s BBQ recently opened in the Tinsley and Debi Richardson. Healthy Woman features a monthly food court of Illinois Star Centre. The series of free seminars, health fairs, Marion mall is the second facility for the education programs and interactive events business, which originated in Colp. John-John’s serves barbecue sandwiches, focusing on women, as well as some special signature events such as the recent Healthy hamburgers, catfish, bluegill, side dishes Woman boot camp. and kids’ meals. Yoga is back at In Sync Mind Body Therapy Center, 2031 S. Illinois Ave., in Carbondale. Options are offered to accommodate all levels.

Odom appointed to Illinois CPA Society board

Blacklock earns premier advisor designation

SIU Professor Marcus Odom of Carbondale has been appointed to a threeyear term to the Illinois CPA Society Board of Directors. The fourth largest state CPA society in the country with more than 24,000 members, the Illinois CPA Society recently announced the installment of its 2012-2013 board of directors.

For the fifth consecutive year, Wells Fargo Advisors has designated Barbara Blacklock, managing director — investments, as a member of the firm’s Premier Advisors Program, a distinction that reflects Blacklock’s achievement of professional success through a consistent commitment to client service. Blacklock has been a financial advisor with Wells Fargo Advisors for five years and has 32 years experience in the brokerage industry. She has a bachelor’s degree from SIU.

Stevens, Walsh join Blake Law Group Attorneys Kyle H. Stevens and Kelly A. Walsh recently joined the law firm of Blake Law Group, P.C., in Mount Vernon. A native of Vienna, Stevens formerly was with the law firm of Cox, Phillips, Weber, Tedford, Heap & Ayers, P.C. Walsh is from Monroe County.

Pfizer donates $10K for disaster relief Representatives from the Pfizer Foundation, a charitable organization

VNA Plus staff completes training Several nurses and other staff members from VNA Plus Home Care & Hospice Eldorado office have completed End-ofLife Nursing Education Consortium training. ELNEC has been developed to offer end-of-life education to health care providers to assist them in providing care to the patients and families they serve. Those who completed the training include Andrea Smith, RN; Mary

JUNE 2012

SOUTHERN BUSINESS JOURNAL

Achievements Warren, RN; Marty Coker, RN; April Dunning, RN; Lois Schofield, RN; Teresa Chasteen, RN; Karla Bayless, RN; Shawna Golden, RN; Deborah Mings, RN; Karen Lucas, RN; Jared Pryer, PTA; and Angela Wring, HCA. Employees in additional VNA Plus offices will receive the training later this spring.

Calderon awarded certification Mitchelle Calderon, a physical therapist at Marshall Browning Hospital in Du Quoin, was awarded a specialist certification in geriatrics by the American Board of Physical Therapy Specialties during the opening ceremony of the American Physical Therapy Association combined sections meeting Feb. 8 in Chicago. Calderon was among the 1,178 new physical therapist specialists from across the U.S. to be certified. She has worked as a physical therapist at Marshall Browning Hospital’s Physical Rehabilitation Center since 2005. She also is a certified exercise expert in aging adults.

Duffy earns advanced agribusiness certification Country Financial representative Matt Duffy of Murphysboro has earned the Country advanced agribusiness certification. To achieve the certification, Duffy completed a two-day advanced agribusiness school involving in-depth study of farm insurance products. Duffy became a financial representative with Country in 2001 and has been named an All American 10 times. He serves clients from his office at 220 N. 10th St. in Murphysboro.

Zaruba named general sales manager Brad Zaruba has been named general sales manager for FOX 23 and MY 49 WDKA-TV in the Paducah/Cape Girardeau market. Zaruba’s duties include supervising the entire account executive staff for FOX 23 and MY 49 WDKA. This includes a satellite office in Marion.

CCHS benefits from Kohler Engines donation Carbondale Community High School is among the hundreds of educational institutions across the country that

recently received a donation from Kohler Engines. In an effort to ignite a renewed appreciation and understanding of small engines among high school and technical college students nationwide, Kohler Engines recently donated more than 10,000 engines. The company partnered with several non-profit organizations on the one-time gift to distribute the engines to interested schools. All of the donated engines have been delivered to almost every state.

Coleman Lawn Equipment celebrates expansion A recent ribbon-cutting ceremony at Coleman Lawn Equipment, 210 E. Walnut St., in Carbondale celebrated a major expansion. Coleman Lawn Equipment, Inc. has served Southern Illinois and the surrounding area since 1984. The business specializes in lawn and garden equipment, including parts and service.

Door Doctor expands business The Door Doctor of Southern Illinois, owned and operated by John and Gisele Reece, recently showcased its new show room during an open house at 1208 W. Webster St. in Benton. The Door Doctor opened in 2003 out of the owners’ home and has expanded into a business with six employees and five trucks, all staffed with International Door Association certified technicians. The new business hours are 8 a.m. to 4:30 p.m. Monday through Friday.

Supply Solutions hosts grand opening Supply Solutions, a one-stop shop for janitorial and restaurant supplies and equipment, recently hosted its grand opening at 1907 Princeton Avenue in Marion.

B and A Travel awarded Golden Apple B and A Travel Service in Carbondale and Marion recently was awarded Apple Vacations’ premier agency award, the Golden Apple Agency Award, for the 12th consecutive year at the annual Golden Apple dinner in St Louis. This award is presented to the top 100 travel agencies nationwide for their outstanding sales performance, product

knowledge and vacation planning expertise.

Slayton Wireless ribbon cutting Slayton Wireless, the Alltel wireless agent, recently hosted a ribbon-cutting ceremony at 550 E. Industrial Park Road, Ste. 4, in Murphysboro.

iQ Athletics celebrates opening iQ Athletics recently celebrated the opening of its new location within the Stark Total Body Fitness and Tanning facility at 1 Rend Lake Plaza in Benton. To kick off its celebration, iQ Athletics welcome renowned Jiu-Jitsu trainer Royce Gracie.

Brummell named manager of the year Leah Brummell of Goreville was named Most Valuable Player Manager of the Year 2011 on April 7 by Payless Shoes District Manager Bill Halley and group leader Jessiycka Nix. Brummell has worked for Payless in Texas, Florida, Indiana, Illinois and Kentucky. She has been employed by Payless for 11 years and currently manages two Paducah stores.

Payne named associate VP investment officer Carl E. Payne of De Soto has been promoted to associate vice president investment officer with Wells Fargo Advisors, LLC in Carbondale. Payne has been with the company for 22 years. His assistant is Amy D. Schmitz.

more patient comfort, and a groundbreaking 3-D tomosynthesis platform designed to deliver superior screening and diagnostic performance.

RSP to host charity golf outing The Carterville-based RSP Heating and Cooling is sponsoring a charity golf outing July 1 at Crab Orchard Golf Club in Carterville. All proceeds raised go to the Folds of Honor Foundation, which provides scholarships and other assistance to spouses and children of soldiers killed or disabled in service to their country. To register for the event, call Crab Orchard Golf Club at 618-985-4653. For more information on Folds of Honor Foundation, visit foldsofhonor.org.

SIPMA donates $1,000 Southern Illinois Personnel Management Association recently donated $1,000 to help local veteran Greg Swierk receive a proper burial. In the aftermath of the Feb. 29 tornado, SIPMA had already planned to help the victims when several local members of the organization attended the Community Leaders Breakfast conducted by the Chamber of Commerce. Illinois Chamber President and CEO Doug Whitley was the guest speaker at the event.

Steinbach, Neil retire from Pepsi Chuck Steinbach and Warren Neil recently retired from Pepsi MidAmerica. As a gift to them for their years of service to the company, they were each presented with a plaque and a $1,000 gift card.

United Way moves

Local business to expand services

United Way of South Central Illinois moved on April 16 from 1101 Broadway to 802 S. 42nd St. in Mount Vernon. The phone number is 618-242-8000.

Herrin Behavioral Health, LTD recently conducted a groundbreaking ceremony to highlight the company’s future expansion. Construction began April 21 on the office on South Pershing in Energy. HBH is an outpatient psychiatric care facility which opened its doors in April of 2004. After quickly growing, the company moved to the current location in 2007. Since the move, the office staff has more than tripled, and more space was needed. The addition will include four new offices and a large multi-purpose room, which will be used for group therapy, support and educational groups, as well as yoga therapy.

3-D breast cancer screening available Saint Francis Medical Center in Cape Girardeau now offers 3-D breast tomosynthesis for screenings with the Selenia Dimensions digital mammography system. The Selenia Dimensions system offers exceptionally sharp breast images, an advanced ergonomic design providing

JUNE 2012

SOUTHERN BUSINESS JOURNAL

Business Fine Print Building permits Marion Southern Illinois Asphalt, 5200 Meadowland Pkwy., $4,748 Gordon Reynolds, Wild Rose Lane, $220,000 Barnett and Son Construction, Wild Rose Lane, $150,000 Everett Algaier, 2201 Jennifer Lane, $6,000 Fred Monroe, 1803 N. Dawn Lane, $30,000

Metropolis Raven Cohoon, 903 19th St., $60,495 Greg and Mary Kennedy, 116 Dorris Drive, $18,000 Larry Parker, 2601 Poco Road, $600 Greg and Mary Kennedy, 116 Dorris Drive, $65,000 City National Bank, P.O. Box 380, $3,500 Jack Hicks, P.O. Box 173, $200 Todd Smith, 4040 Shady Oaks Lane, $1,650 Rhonda and Larry Jenkins, 2025 Market St., $5,842

Mount Vernon Kimmy’s Kitchen, 1920 10th St., $100 A.P. Peties, 1013 Bell, $0 Skibo Family Eyecare, 4200 Ilberry, $450 Skibo Family Eyecare, 4200 Ilberry, $150 Panda Express, 4201 Broadway, $15,515 Ernest Badger, 1810 Perkins, $750 Ernest Badger, 829 18th St., $600 Hardees Restaurant, 4333 Broadway, $20,543 Schmidt Chevrolet, 3423 Broadway, $475,000 AT&T Mobility, 10600 E. Garden Road, $10,000 AT&T Mobility, 14275 N. Pumphouse, $10,000 Gary Moore, 1218 23rd St., $0 Cort Jones, 628 White Ave., $6,000 James Boyd, 836 McCauley Road, $13,500 Mac’s Convenient Stores, 101 Potomac, $15,000 AT&T Mobility, 9358 N. Rainbow Lane, $10,000 Margel and Benita Peddicord, 2616 Winderess, $2,500 Applebee’s, 105 Potomac, $1,025 Applebee’s, 105 Potomac, $3,110 Jeff Skidmore, 905 4th St., $750 Samuel Shillinburg, 2700 Richview Road, $0 Hardees Foods, 1600 Broadway, $20,543 Michael Tracey, 920 7th St., $4,500 Laura Stroud, 107 E. Casey, $0 Priscilla Artis, 1000 Park Ave., $0 Brad Meador, 1105 24th St., $0 Brad Meador, 1103 24th St., $0

Murphysboro Tina Shinskey, 404 N. 8th St., $1,000 Russ Wright, 2043 Elm St., $2,000 Angela Fisher, 2122 Spruce, $5,200 Frank Coniglio, 705 N. 7th St., $6,500 El Penn, 444 S. 15th St., $1,150

Larry Reinhardt, 1604/1606 Shoemaker, $2,500 Susan Birkner, 420 Birkner Lane, $600 Darcia Garrett, 2009 Commercial, $3,100 Michael Bergant, 640 N. 11th St., $3,000 Lucy Achebo, 416 N. 16th St., $3,441

Bankruptcies Chapter 7 Linda C. Newbolds, 1201 W. Monroe, Herrin Trent C. Crites, 9240 Day, Marion Barbara E. Bequette Sheldon, 45 Scott Drive, Goreville Charles E. and Colleen J. Boyt, P.O. Box 122, Brookport Raymond L. and Joyce Robinson, 200 Circle Drive, Apt. 1, McLeansboro Nathan A. and Kimberly A. Desett, 710 Beatrice, Benton Carolyn Jean Rainbolt, 910 W. Poplar, West Frankfort Robert T. Goins, 8781 Middle Road, Mulkeytown Leslie L. Neibel, P.O. Box 128, Coello Cynthia Criswell, 700 S. Lewis Lane, Apt. 903, Carbondale Karen K. McClusky, 905 Murray St., Eldorado Levar C. Williams and Latoya L. Anthony, 1108 S. 11th, Herrin Harold and Barbara D. Zimmerman, 324 Murphy St., Murphysboro Jon R. Hast, 411 S. Parkhill, West Frankfort Melva D. Arrowood, 11600 Newman St., Marion Brett A. and Angela D. McRoy, 16550 Shed Church Road, Marion Apryl L. Newberry, 407 S. Calumet, Marion Robert A. Hammer, 201 Forest St., Anna John C. Mitchell, 27329 Illinois 3, Olive Branch Brenda K. Hood, 0630 Schuline Road, Sparta Robert W. Skelton, 6984 Peach Lane, Carbondale Gregory S. and Patsy J. Alton, 11720 McCartney St., Marion Allen J. Penrod, Route 2, Box 57, Belle Rive Stephanie R. Penrod, P.O. Box 453, Cisne Steven C. and Tricia S. Woody, 604 N. 14th St., Herrin Cheryl Ann Burgett, 303 N. Third St., Elkville Brian K. Chapman, 1055 Howardton Road, Grand Tower Rex Allen and Patricia Gayle Echo Selix, 209 N. Taylor, Red Bud Amanda D. Stearns, 612 Center St., Carterville Momodou Sallah, 400 Danielle Court, Marion Carrie J. Williams, 124 Lee Road, Eldorado John Victor Frentzel, 707 Hartkopf, Marion Jim L. and Sandra D. Conner, P.O. Box 638, Benton Becky Ann Hill, R.R. 1, Box 68, Cisne Amanda Jo Batson, 737 N. Mill St., Carrier Mills Anna M. Burton, 6436 Walnut Ridge Road, Grantsburg

Michelle A. Bean, 803 N. Market St., Marion Golda Diane Darnell, P.O. Box 265, Cave In Rock Warren Gholson, 9802 N. Panzier, Ashley Ronald V. and Kimberly D. Snyder, 6189 Izaac Walton Road, Benton Erin A. Mileur, 1916 Logan St., Murphysboro Thomas J. and Lucille M. Notter, 156 Butler St., Eldorado Mildred M. Hornbeck, 1121 Lincoln St., Eldorado Jason E. Hawk, 1102 Benton, Johnston City Paul J. Blaney, 1357 N. Seventh St., Apt. B, Murphysboro Debra J. Du Bois, 208 E. Chestnut St., Anna Virginia L. Horn, 109 W. Second St., Johnston City Stephanie L. Korilko, 3891 Saraville Road, Creal Springs Jessica L. Morgenthaler, 309 Victorian Drive, Steeleville Crystal L. Kellum, 1003 E. Cindy, Carbondale Michael E. and Marcia L. Liggett, 712 Joseph Lane, Herrin James E. Beane, P.O. Box 115, Ava Thomas E. Rains, 231 S. Court St., No. 49, Benton De’Angelo M. Hayes, 724 E. Taylor St., Benton Steve I. Nwanguma. 320 S. Birchlane Drive, Carbondale Matthew W. Presswood, 9183 Houston St., Sparta Ronald W. Hudges Jr., 420 Catherine Drive, Red Bud Melanie R. Johnson, 15022 Illinois 37, Cairo Vera M. Cox, 3030 E. State St., Apt. 202, Chester Jon A. and Norma J. Monahan, 114 S. 14th St., Thebes Sharon S. Bonneville, 335 W. Lane, Equality Coy and Angela M. Girtman, P.O. Box 41, Goreville Brigetta Dean Thebeau, 2736 Deer Run Road, Metropolis Rachel Nicole Herley, 2400 Blue Blaze Trail, Lot A10, Herrin Harold E. Eason, 2025 Dog Walk Road, Apt. 3, Equality Rudell R. Whittington and Carl L. Whittington, 1902 Alexander St., Murphysboro Lonnie Gene and Margaret R. Holloman, 555 County Road, Norris City Amy M. Minier, 4578 Deering Road, Benton Justin G. Branch, 522 W. St. Charles Ave., McLeansboro Otis E. and Bobbi Jo L. Rednour, 1416 State St., Chester Mary Jolynn Gregory, R.R. 2, Box 123, Fairfield David Charles Ashworth, P.O. Box 1421, Carbondale John Cyril and Katherine Elaine Markus, 2113 Waltonville Road, Mount Vernon Matthew C. Fraembs, P.O. Box 208 Willisville Robert L. and Crystal S. Koehler, R.R. 1, Box 2, Rinard

James Michael Nelson, Route 1, Box 188, Springerton Warren W. and Bonnie F. Glad, P.O. Box 452, Norris City

Chapter 13 James J. Houghlan, 1300 Shoemaker Drive, Apt. 11, Murphysboro Jeffrey T. and Crystal R. Smith, 418 S. Vicksburg, Marion David E. and Angela R. Schrum, 15724 N. Seagull Lane, Bluford Eva F. Pregowski, 341 Fairway Vista Road, Murphysboro Richard M. Parkhurst, 2765 Illinois 146 E., Vienna John K. Savitz, 4305 Goreville Road, Goreville Harold Dean and Karen Sue Stucker, 507 S. Washington, Galatia Robert H. and Angela D. Kutak Jr., 30150 Old Cape Road, McClure Karen M. Clayton, 1210 W. Schwartz, Carbondale Darren S. McCord and Jude Ann Burroughs McCord, 814 N. Mulberry St., Mount Carmel Arthur McLorn III and Jennifer L. McLorn, 306 N. Fair St., Marion Marcus S. and Amy M. Grace, 300 Girard St., Metropolis Chad B. and Angela M. Menees, 929 Caprice Road, West Frankfort Gary G. and Sandra S. Cooper, 2220 New Lake Road, Thompsonville Brian Keith and Linda Michelle McBee, 262 E. Trammel St., Carrier Mills William W. and Susanne B. Hill, 910 S. Pine St., Zeigler Joseph Ryan and Amanda Kay Lamont, 901 N. Oakland Ave., Carbondale Stephanie L. Bain, 11146 Aspen Lane, Benton Linda L. Evans, 10256 Day Road, Marion Charles W. and Bernadine B. Roberts, 27905 Illinois 3, Thebes Raymond A. Etherton, 217 S. Giant City Road, No. 16, Carbondale David D. and Frances E. Bridges 9184 Maneese Lane, Goreville Tara R. Snyder Holland, 617 S. Mannering, Royalton Brandon D. Williams, 2620 Illinois Ave., Eldorado Darel Benjamin and Debra Lynn Voss, P.O. Box 225, Okawville Michael H. and Mary E. Thomas, 201 S. Olive, Carterville Michael Gail Lively Sr., 8902 Evergreen Road, Sparta Eric W. and Kendra S. Avery, 1705 W. Herrin Road, Herrin James R. Schlindwein, 5785 Arctic Fox Drive, Carterville Sean M. Draper, P.O. Box 188, Harrisburg SEE FINE PRINT / PAGE 23

JUNE 2012

SOUTHERN BUSINESS JOURNAL

Mark Your Calendar June 6 Beginning Excel: 2003: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry. Beginning Adobe Flash Catalyst: 8:30 a.m. to 4 p.m., room H123, John A. Logan College Center for Business & Industry.

June 7 Beginning Access 2010: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry. iPad 101: 8:30 a.m. to 4 p.m., room F119, John A. Logan College Center for Business & Industry.

for $15. Call 618-536-2424 or email sbdc@siu.edu.

8:30 a.m. to 4 p.m., room H123, John A. Logan College Center for Business & Industry.

June 13 Intermediate Excel 2003: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry. Beginning Adobe Flash Professional: 8:30 a.m. to 4 p.m., room H123, John A. Logan College Center for Business & Industry. Team Building: 8:30 a.m. to 4 p.m., room F109, John A. Logan College Center for Business & Industry. Cost is $90.

Beginning Adobe Bridge: 8:30 a.m. to 4 p.m., room H123, John A. Logan College Center for Business & Industry.

Beginning Excel 2010: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry.

Advanced Excel 2003: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry. iPad 101: 8:30 a.m. to 4 p.m., room F119, John A. Logan College Center for Business & Industry. Time & Stress Management: 8:30 a.m. to 4 p.m., room F109, John A. Logan College Center for Business & Industry. Cost is $90.

June 21 Intermediate Excel 2010: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry.

June 15 June 11 Beginning Adobe Photoshop: 8:30 a.m. to 4 p.m., room H123, John A. Logan College Center for Business & Industry.

Intermediate QuickBooks 2009: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry.

June 12

June 18

Intermediate Access 2003: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry. Beginning Adobe Dreamweaver: 8:30 a.m. to 4 p.m., room H123, John A. Logan College Center for Business & Industry. Starting a Business in Illinois: 5 to 7 p.m., room 150, Dunn-Richmond Economic Development Center, 150 E. Pleasant Hill Road, Carbondale. Free. An optional business start-up kit is available

Beginning Access 2007: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry.

Beginning Adobe Acrobat Pro: 8:30 a.m. to 4 p.m., room H123, John A. Logan College Center for Business & Industry.

June 20

June 14 June 8

June 26

June 27 Advanced Excel 2010: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry.

July 18 Starting a Business in Illinois: 1 to 3 p.m., room 150, Dunn-Richmond Economic Development Center, 150 E. Pleasant Hill Road, Carbondale. Free. An optional business start-up kit is available for $15. Call 618-536-2424 or email sbdc@siu.edu. International Trade: Are You Ready to Export?: 3 to 4 p.m., room 150, DunnRichmond Economic Development Center, 150 E. Pleasant Hill Road, Carbondale. Free. This seminar is for companies that want to begin exporting. Call 618-5362424 or email sbdc@siu.edu.

June 19 Beginning Excel 2007: 8:30 a.m. to 4 p.m., room F112, John A. Logan College Center for Business & Industry. Beginning Publisher 2010:

For more information on John A. Logan or to register for classes, call 618-985-2828, ext. 8510 or email cbi@jalc.edu. John A. Logan College Center for Business & Industry is at 700 College Road, Carterville, and cost is $55 unless otherwise noted.

FINE PRINT FROM PAGE 21 Shannon R. White, 409 N. Seventh St., Murphysboro Crystal R. Cotzajay, 141 Hillside Terrace, Anna Ronald D. and Kimberly S. Cast, 411 W. Mississippi, Jonesboro Jackie L. and Paula D. Sullivan, 95 Mango Lane, Goreville

Steven W. McIntyre, 617 N. Pine St., Sparta Angela P. Fisher, 2122 Spruce St., Murphysboro Thomas A. and Bobbie J. Adams Sr., 206 Judi Lane, Steeleville Heather A. Shiever, 502 Rice St., Carmi Jeremy W. Randolph, R.R. 1, Box 85 A, Broughton Rhonda L. Hines, 200 Paradise Drive, Lot 57, Carterville Randi Rachelle Koval, 842 Belleview Place, Herrin David G. and Heather Etherton, 2140 Clarke

Find more business news at www.sbj.biz.

St., Murphysboro Michael Edward and Kelly Denise Downey, Route 1, Box 63, Cave In Rock Kari A. Hagler, 401 Paradise Acres, Lot 28, Carterville

Shawn Alan Stanley, 701 E. Park, Du Quoin Michael Stephen and Elizabeth Ann Linze, 494 Bathon Drive, Pinckneyville William Joseph and Patricia Ann Hodgson Jr., P.O. Box 63, Crossville Stephen J. and Catherine M. Sipe, 11731 Driftwood Drive, Marion Dale G. and Sylvia M. Braddy, 4291 E. Snyder, Walnut Hill Cathy Jo Vaughn, P.O. Box 122, Norris City Kenneth E. McNeal, P.O. Box 8, Freeman Spur

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