Southern Business Journal by The Southern Illinoisan

S O U T H E R N

Serving 18 Illinois counties • www.sbj.biz

MAY 2014

“One Region, One Vision” ™

WHEN DISASTER STRIKES Businesses need emergency planning, too COVER STORY BEGINS ON PAGE 3

OPEN

Inside

Directory of Advertisers

MAY 2014

1st Bank & Trust ........................ 3

ELDER LAW

PAGE 9

Something to know: Persons who are newly eligible for Medicaid for health insurance coverage under the Affordable Care Act may have their homes and other assets “seized” by the government to repay the total amount of the Medicaid-paid health care they receive. That’s what state Medicaid directors have been told in a letter that clarifies the application of Medicaid liens, estate recoveries, transfer-ofasset rules and post-eligibility income rules.

PAGE 7

WORK PLACE Looking at a resume: There are many ways to review the resumes of candidates for an opening in the work place – perhaps as many techniques as hiring managers. Some basics should govern the process, however. But also make sure you are casting a big enough net to bring in the talent that is present and available right now.

MONEY MATTERS Start saving more: It’s not too late to begin preparing for retirement for those workers who are in their 50s – and even those who are in their 60s. There are many steps that older investors can take to better prepare themselves financially for retirement. Those steps include making “catch up” contributions to your 401(k) plan at work, funding an IRA and reviewing all of your expenses.

PAGE 12

John A. Logan College .............13

Pepsi MidAmerica....................18

SIU Credit Union ................... 6, 8

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

Small Business Growth Corp. .16

Southern Illinois Healthcare ..20

Southern Illinois University ...... 5 S O U T H E R N

Serving 18 Illinois counties • www.sbj.biz

“One Region, One Vision” ™

The Southern Business Journal is a publication of The Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL 62901, or at P.O. Box 2108, Carbondale, IL 62903. Also reach us on the Web at www.sbj.biz and via email at SBJ@thesouthern.com. The Journal is published 12 times per year monthly and distributed by The Southern Illinoisan and www.thesouthern.com. Copyright 2014 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.

Publisher John Pfeifer 618-351-5038 Editor Gary Metro 618-351-5033 Advertising Mark Dynis 618-351-5815 Design and Layout Rhonda May 618-529-5454, ext. 5118

May 2014

Southern Business Journal

Planning means everything

DEB SAUERHAGE

when d saster strikes

SBJ CORRESPONDENT‌

here may be no place like home, but you might be at work when a disaster strikes. Local Red Cross Director Sandra Webster advises “think of your business like your home” when preparing for a disaster. “Some of us are at our job more than we are at home,” Webster said. Like your home, your business is an investment and needs to be protected. Webster recommends having an emergency response plan. Most of the disasters in the 14-county region served by the Red Cross are single-family house fires, but that doesn’t mean you shouldn’t be prepared for other types of emergencies, at home or at work. Bart Hagston, director of

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| 3

Inside Read how Kemp’s Korner in New Minden came back to life. Page 6 the Environmental Health & Emergency Preparedness for the Jackson County Health Department, agrees that an emergency response plan is important. “These plans will include procedures on how the employer and employees respond to emergencies; including fires, severe weather, active shooters and bomb threats,” Hagston said. “Internal teams should be formed to develop these plans so that all divisions are represented.” Having a plan isn’t enough. The plan needs to be worked and reviewed, yearly. See Disaster / Page 4

SOUTHERN BUSINESS JOURNAL

MAY 2014

FROM PAGE 3

DISASTER: Planning means everything

“Once the plans are developed, they should be tested through drills and exercises, at least once a year,” Hagston said. “By testing them, a business can tell what parts of the plan work and what parts need improved.” Disasters can happen anytime, anywhere. The Joplin, Missouri tornado on May 22, 2011, happened during the day when many residents were at school, working or doing errands. “ID a safe place in the building,” Webster said. “Underground is best, but it may be under a desk or table. Consider the bathroom if it is not on an outside wall.” An inner center closet or storage room is also a possibility. More information is available at www.redcross.org. Also, have an evacuation plan or escape route, and think about what comes next. “Decide where you are going to meet, at least a block away,” Webster said. “Have at least three places in different directions to meet.” She also recommends having a family member or close friend from outside the area as a contact. If family members become separated, someone out of the area and not impacted by the disaster can serve as a contact. Depending on the situation, your employees may be notified by authorities to “shelter in place” or stay put. Just like at home, consider what you might need if you are stranded at your office for at least three days. Webster recommends having a bag with peanut butter, crackers, granola bars, nuts, raisins, dried fruit and water for three days under your desk. Also, include a flashlight, batteries, first aid kit, tooth brush, tooth paste, Kleenex, hand sanitizer and blanket for each individual. Due to the disaster, supplies may not be readily available. Years ago, Webster, who now responds to disasters for her job, moved from the Murphysboro area to California to get away from Southern Illinois tornadoes. In 1989, she was a victim of a different disaster. “I was in the 7.9 earthquake in Santa Cruz,” Webster said. “I stood in line for two and a half hours to get water and then one and one half hours to get batteries.” “If Emergency Management broadcasts that you don’t have time to evacuate, shelter in place,” she said. “Go to your tornado room.” Webster also encourages employees to have a list of medications in their purse, wallet or desk, just in case. “At the Tamaroa train derailment, people were evacuated from their homes immediately,” Webster said. “Many showed up at the shelter with no meds and no list of medications. Many

weren’t thinking clearly and couldn’t remember what they took.” While making your emergency response plan, don’t forget employees who may not be located at your place of business — delivery drivers or truck drivers, for example. “If you are driving, never get under a via duct. Years ago that’s what they told people to do,” Webster said. “Get out of your car and into a ditch.” Webster also recommends the free tornado, flood and first aid mobile apps available through www.redcross.org. You can also search “Red Cross Apps” on your mobile device. Webster said she especially likes the first aid app. “If someone is injured and help can’t get to you, or you can’t get to your first aid kit, the app walk you through it,” she said. Planning will help your employees be ready, just in case. “Employees who feel safe and who believe their employer cares about their safety are more likely to enjoy their work and be comfortable with their surroundings,” Hagston said. “So, emergency plans can lead to increased productivity and possibly even lower insurance rates.” Along with a plan to keep your employees and customers as safe as possible, business owners, no matter how large or small, should have a business continuity plan, according to Hagston. “Developing such a plan involves forming an internal team and looking at how they would manage a business disruption,” Hagston said.” Such a disruption could be due to any number of events, including natural disasters, pandemic, loss of flow for supplies or materials, cyber-attack, transportation shutdown or communications problems.” Business may be interrupted only temporarily or permanently, such as the total destruction of your business because of a tornado. The plan should be a team effort and include how you will access company records, according to Hagston. “During the plan development process the team can work through various scenarios and determine how they could handle such disruptions,” Hagston said. “The plan will detail items like how they store and backup paper and electronic records, how they would handle significant loss of employees or work stoppage, and identify alternate facilities and resources they could utilize if needed.” “The ultimate goal is to enable that business to get back on its feet as quickly as possible,” Hagston said.

OPEN

SEE DISASTER / PAGE 6

May 2014

Southern Business Journal

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| 5

Southern Business Journal

May 2014

Kemp’s Korner in New Minden came back to life ‌Melissa and Mike Kemp, owners of Kemp’s Korner in New Minden in Washington County, know firsthand how a disaster can devastate a business. Their business suffered extensive damage when a tornado struck Sunday, Nov. 17, 2013. Two people were killed in the town of about 250 near Nashville and several homes nearby were damaged or destroyed. Kemp’s, a gas station and convenience store, was shut down for nearly four months while the owners repaired damage and restocked shelves. Melissa Kemp, who opened

the business eight years ago, has strong advice for business owners. “Check your insurance,” Kemp said. “Be sure to have the building, the contents covered, along with loss of business coverage.” She also recommended asking around when shopping for an insurance company. “Ask your family and friends,” she said. “Do they (the insurance company) respond quickly?” The Kemps consider themselves lucky. “Fortunately, we had really good insurance,” Kemp said. “We are pleased how quickly they

responded.” Kemp said many of the business’s neighbors who were home owners did not have an easy time dealing with their insurance companies. Many waited a long time for a response, and the insurance companies argued over details. Along with good insurance it is important to be familiar with what it takes to run your business, including supplies, materials and even vendor lists. “Know every single thing you have in your store,” she said. “Have a list of equipment. Everything.”

Not having the necessary information readily available.... will delay the rebuilding process. Kemp also recommends having your office files and paperwork backed up on a computer away from the primary business location. When the Kemps reopened in March after being closed for nearly four months, they evaluated how they stored their computer business files. Even though, the filing cabinet containing company files including vendor lists was not damaged when the tornado hit, the Kemps made plans to

store their computer and other files remotely. “We back everything up remotely to our home computer, including our inventory,” she said. Kemp also recommended having an evacuation plan for employees and customers. Because their business is a gas station, they are required to have plans in place for disasters. The Kemps were prepared “and because we are in an area with a lot of tornadoes, we also discussed with our employees what to do,” Kemp said. “Our employee was prepared.” — Deb Sauerhage

DIsaster

in business needs to happen as quickly as possible. “The longer business is disrupted, the greater the risk the business will suffer long-term impacts, including permanent closure,”

Hagston said. According to Hagston, a great free resource for learning about business continuity plans, emergency response plans, and other business preparedness

tools is FEMA’s Ready.gov website. Click on the “Business” tab. In addition, the Red Cross also offers Ready Rating, a free service to help businesses prepare for disasters and other

emergencies. The site offers a check lest and emergency response planner.

From page 4

Getting your business back

DEB SAUERHAGE is a correspondent for Southern Business Journal.‌

May 2014

Southern Business Journal

| 7

Elder Law

Assets threatened by Obamacare fine print RICHARD HABIGER SBJ CONTRIBUTOR‌

‌The federal Center for Medicare and Medicaid Services has issued a letter to state Medicaid directors that clarifies the application of Medicaid liens, estate recoveries, transfer-ofasset rules and post-eligibility income rules to individuals who become eligible for Medicaid under the Affordable Care Act, also Habiger known as “ObamaCare.” The letter states that most of the rules that apply to recipients of traditional Medicaid for long-term care (that is, nursing home care) will apply to those who are eligible for Medicaid under the ACA. This means that those persons who are newly eligible for Medicaid for health insurance coverage under the Affordable Care Act, may have their homes and other assets “seized” by the government to repay the total amount of the Medicaidpaid health care they receive. In effect, the cost of medical care paid for by Medicaid is not “free.” It is a “loan” that must eventually be repaid and which can be secured by a lien on all real estate they own. While the CMS letter goes on to express the hope that the states will limit the imposition of liens and estate recovery rules to long-term care (nursing home) cases, the letter acknowledges that states are entitled under federal law to apply the asset recovery rules to all Medicaid-paid health care benefits.

Background

Medicaid is a federal-state program, and each state has its own rules for the program. Moreover, Medicaid has never been a single program. Rather, it is a cluster of programs, each with quite different purposes and rules. One of the roles Medicaid plays is to serve as our nation’s default program for financing long-term care services. Nursing home care, and even care at home, is very costly. Thus, long-term care can easily overwhelm the income and resources of people who lived comfortably on middle income prior to the need for long-term care. From its inception, Medicaid has been available to pay for long-term care for people who are unable to afford it after they have effectively become impoverished by “spending down” their assets and income. From very early in the history of the Medicaid program, some have been concerned that people who could otherwise afford to pay for at least some longterm care services would voluntarily impoverish themselves, transferring assets to their children or to others to make themselves eligible for Medicaid. Congress and the states have, therefore, adopted laws and regulations to limit asset transfers by Medicaid recipients. These prohibitions contained holes (otherwise known as “windows of opportunity”) that allowed persons to avoid the limitations through the use of trusts and other financial devices. Eventually, Congress and the states closed many (but not all) of the “windows.” The Medicaid asset-counting rules for long-term care have always permitted recipients of long-term care services to retain a home in hopes that the recipient may, at some point, be

capable of returning there. Federal Medicaid law, however, permits the states to impose liens on homes and other assets and to recover Medicaid-paid longterm care services against a recipient’s estate upon the death of the recipient. Moreover, Medicaid rules permit the spouse of a long-term care recipient who remains in the community to retain a modest amount of the recipient’s income and assets to protect the “community spouse” against total impoverishment. However, if the “community spouse” also receives Medicaidpaid long-term care benefits (either community-based or nursing home benefits), she also will be subject to Medicaid liens and estate recovery.

care services. This is not a mere theoretical concern. Although the federal and state law governing Medicaid liens and estate recoveries are primarily concerned with recipients who receive highcost, long-term care services, federal law that existed prior to the ACA allows states to recover from the estates of any Medicaid recipient age 55 or older for the cost of any Medicaid services, and a number of states such as Illinois have existing laws that would mandate such recoveries. Thus, some states, such as Illinois, may seek to recover the cost of Medicaidpaid health care services from the estates of MAGI recipients when they die. Given the current budget problems in Illinois, it seems probable that the govObamaCare ernment will jump on this fedThe Affordable Care Act eral option to milk the poor and creates a new category of middle class who must rely on Medicaid recipients by givMAGI Medicaid for their health ing the states the option of insurance coverage. expanding Medicaid eligibility The realization that their to individuals and families with house might be subject to incomes up to 138 percent of estate recovery was giving some the annual poverty level (curindividuals with low incomes rently, in Illinois, $15,856 for a second thoughts about signing single individual and $32,499 up for Medicaid. For example, for a family of four). Eligibilearly retirees and persons ity is now calculated based who were laid off during the on “modified adjusted gross recession, those who found income,” or MAGI; but, unlike traditional Medicaid, there is no themselves plunged into a low-income bracket, yet have asset requirement for persons who become eligible for Medic- a home and savings. Similarly, farm families often have very aid under MAGI rules. (Illinois little income and, thus, could is one of the 26 states that expanded Medicaid coverage to qualify for MAGI; however, a great many were reluctant to this new MAGI category.) sign up because of the risk that Although there is no asset they might lose their farms. test to qualify for MAGI, a The CMS letter to state Medquestion arose as to how existing rules regarding asset trans- icaid directors was issued to fers, liens, estate recoveries and address this concern. It explains post-eligibility income apply to that regular estate recovery persons eligible for MAGI Med- rules do apply to recipients of MAGI benefits. While the leticaid and whether those rules ter states that CMS will try to would be used against those eliminate recovery of Medicaid who go on to use MAGI health

benefits for anything other than long-term care, the letter states that, at this point, federal law places no limitation on the scope of what states may do to impose recovery against the homes, farms and other assets of MAGI recipients. In addition, the CMS letter reminds state Medicaid directors that, while there is no limit on assets to be eligible for MAGI, there are asset limitations to be eligible for longterm care (i.e., nursing home) services and thus transfer-ofasset rules will apply to MAGI recipients who receive longterm care. To read the CMS letter, go to http://healthaffairs.org/ blog/2014/02/24/implementing-health-reform-medicaidasset-rules-and-the-affordable-care-act/.

What should you do?

Do not despair! There are solutions for persons who are newly eligible for Medicaid under ObamaCare, such as family farmers and small business owners. There are options available that will allow you to maintain your eligibility for MAGI health care services and avoid the loss of your home, farm, business or other assets. The rules, however, are notoriously complex. To explore what options are best in your particular case, consult with a knowledgeable and experienced elder law attorney. The key is to not delay. 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. He can be reached at 618-985-4529 or info@habigerelderlaw.com.

Southern Business Journal

May 2014

Southern Business Journal

Workplace

Hiring managers need a checklist for reviewing candidates’ resumes

s a business owner, manager or professional, you probably look at job applications or resumes often. What is your style? I work with hiring managers every day, and everyone peruses a resume a bit differently. I will Holmes-Young admit that it’s easy to lose focus during this very important step in the hiring process. Are you the manager who critiques every single word and finds every typo? Are you the manager who barely even glances at the resume at all before throwing it in the trash? Maybe you glance quickly and tell HR to “bring ‘em in” no matter what. Trust me, I have seen it all. Please understand that these methods are not preferred, nor are they considered best practices. Read on to find my middle-of-the-road approach. Start at the beginning and remember that you know what position you are filling (at least I hope you do by now). This means that you should also be able to at least identify the dream candidate. The resume review and sorting process is truly important because you want to capture those potential dream candidates out there if they exist. Make sure you are casting a big enough net to bring in the talent that is present and available right now. Do

not limit yourself before you even start. Follow these tips below to help you narrow down your stack of resumes without limiting yourself. The professional resume should represent the applicant in a professional, but unique, way. It can be eye-catching, and some are downright unique. Don’t let a unique resume throw you for a loop. Some people are just more creative, and that is fine. If you are hiring for a position in marketing or promotion, a very creative resume should be welcomed. If you are hiring for accounting, maybe not so much. You must be the judge here, but please keep an open mind. The top third of the resume is typically where the candidates list the key items that you want to fixate on. This is where the applicants are truly doing the self-branding. They are summarizing their skills. Be careful not to get caught up in buzz words here. Many of us can be wowed by buzz words that truly mean nothing in this portion of the resume. Anyone can say he is a “results-driven leader.” What does that mean? If you end up interviewing this candidate, please make sure to ask him to explain and provide examples. Now, if you have advertised this position, then you would expect the candidates applying to tailor their resume to the job that you are filling. You can expect a more detailed approach from the candidates. Not everyone will do this. This is not important all the time. Only you know the answer. If the position that you are hiring

for requires strong attention to detail, then make sure the resume shows that. Over the years, I have worked with many hiring managers who would eliminate a candidate from the running simply for making a spelling error on the resume or cover letter. Now, I tend to take a different approach. If I am hiring a welder, I am more concerned with his or her welding qualifications, certifications and experience then the spelling. However, for a different job, I would feel differently. Some managers insist on seeing a cover letter with a resume, even when the employer did not request one. I tell applicants to always provide a cover letter. The cover letter is the chance to include information that is relevant, but may not be on the resume. So, hiring managers, leaders, owners, presidents, CEOs, HR and all doing hiring, please see the following tips below. 1. First, take an overall look at the resume. Look for key information that is missing. Look for large spelling and grammatical errors. How important is this? 2. What are you hiring for? Are specific certifications or education required? If the applicants do not possess those qualifications, then they are not qualified to proceed. 3. How is the resume organized? Is it easy to read? Is the resume detailed? Are these items important in the job or role that you are hiring for? 4. Look closely at employment

| 9

✔

dates. Can you see gaps in employment dates? Did the applicant list months and years at each job or just years? Gaps can be dangerous, but not always a deal breaker. Do not be afraid to push for more detail. 5. What other jobs has this candidate held? Are the jobs that this candidate held at all related to what you are hiring for? 6. What is your hiring philosophy? What are you going for and why? Note to applicants, recent grads and other professionals: Now is a great time for you to take a look at your resume. Give it a spring cleaning, dust it off, and spruce it up. Check your contact information. Make sure that it is complete. Do not list a million social hashtags. This is not the time or the place. List only one phone number and one email where the potential employer can reach you. Make sure that your voicemail is set up. Go in and clean up your voicemail outgoing message now. Take the ringtone song off, and leave a very professional and brief outgoing message. Trust me. This is the best thing that you can do for yourself today.

Check on your education section of the resume. Make sure you have included everything that you have completed. Do not fudge or lie. Spell these degrees and/or certifications correctly. Review your work history. Check for correct dates and task listings. Have you included all of your major responsibilities? Make sure you have a section at the bottom of your resume that can encompass those extras. These will be different for everyone. On my resume, I include committee seats and board participation. I also included volunteer work. These things make you unique and show your commitment to being a productive member of society and a true professional. Best of luck to all parties involved. Go forth and hire! ANGELA HOLMES-YOUNG is the author of “Bring It On, The Aspiring Professional’s Guide to Getting a Leg Up on the Competition.” Her book is available at amazon.com and barnesandnoble.com. Angela is also the corporate recruiter for NRE. She can be reached at ang_holmes@yahoo. com or @A_Holmes_Young.‌

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 Feb 2014

2013

2012

2011

2010

2009

21.2 15.2 108.8 6.9 8.8 16.2 38.3 28.4 1.9 120.0 14.0 89.2 23.3 21.1 6.7 12.2 21.6 6.8 16.4 20.2 $597.2 $28,053.0

121.8 92.7 594.5 42.8 55.7 119.1 217.0 160.7 12.2 726.7 85.3 519.2 136.2 136.0 41.7 82.6 131.7 41.6 93.2 122.3 $3,533.0 $165,238.9

114.1 83.2 552.4 38.9 53.2 114.4 205.1 152.5 11.8 620.1 77.8 494.9 127.5 116.3 38.6 78.4 120.2 38.4 87.1 70.8 $3,192.7 $152,406.7

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

% change 09-13 p p p p p p p p q p p p p p p p p p p p p p

6.4% 33.6% 5.1% 7.3% 5.3% 18.2% 13.1% 9.2% 2.4% 7.5% 10.6% 9.0% 5.5% 26.0% 12.1% 17.8% 4.2% 12.1% 1.4% 9.8% 9.2% 18.4%

Source: LateSt StatiSticS avaiLabLe from the iLLinoiS Department of revenue. fiGureS are in miLLionS.

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.

IPMFG Dec 13 97.8

105 104 103 102 100 98 94 90 88 86 84 82 81

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.

n I l l I chicago Fed Midwest Manufacturing Index

labor force

Jobless

Mar 2014

Feb 2014

Mar 2013

2,774 16,626 2,398 4,201 1,586 30,476 19,694 5,060 6,985 9,100 1,774 2,664 14,877 12,228 7,684 8,823 7,027 33,827 187,804 6,534,933 155,627,000

316 1,938 216 370 165 2,221 1,516 513 549 958 171 265 1,157 1,149 855 549 545 2,838 16,291 545,157 10,537,000

11.4% 11.7% 9.0% 8.8% 10.4% 7.3% 7.7% 10.1% 7.9% 10.5% 9.6% 9.9% 7.8% 9.4% 11.1% 6.2% 7.8% 8.4% 8.7% 8.3% 6.8%

11.5% 13.3% 10.3% 10.2% 11.4% 8.4% 9.1% 11.9% 8.4% 12.3% 11.2% 12.0% 9.6% 10.7% 12.8% 7.5% 8.9% 9.6% 9.8% 9.4% 7.0%

10.5% 12.5% 10.1% 8.7% 12.0% 7.6% 8.5% 11.5% 9.1% 11.6% 9.8% 10.9% 8.7% 10.3% 11.8% 6.9% 7.9% 9.0% 9.4% 9.3% 7.6%

change month q 0.1 q 1.6 q 1.3 q 1.4 q 1.0 q 1.1 q 1.4 q 1.8 q 0.5 q 1.7 q 1.6 q 2.1 q 1.8 q 1.3 q 1.7 q 1.3 q 1.1 q 1.2 q 1.1 q 1.1 q 0.2

80 78

change year p 0.9 q 0.8 q 1.1 p 0.1 q 1.6 q 0.3 q 0.8 q 1.4 q 1.2 q 1.1 q 0.2 q 1.0 q 0.9 q 0.9 q 0.7 q 0.7 q 0.1 q 0.6 q 0.7 q 1.0 q 0.8

Source: iLLinoiS Department of empLoyment Security, u.S. Department of Labor. fiGureS are not SeaSonaLLy aDjuSteD.

thesouthern.com

CFMMI Dec 13 97.4

74 72 70 68

website in Southern Illinois.

I S I n d consumer credit score

Source: experian

A S O N D J F M A M J J A S O N

’12

’13

Source: feDeraL reServe bank of chicaGo

Williamson county regional airport passengers Mar 14 Mar 13 MonthlY totalS 828

change

879

q 5.8%

2,339

q 2.8%

Ytd totalS 2,274

2013 annual totalS 10,476

2012 10,170

change p 3.0%

672

689

Local

Region

674

665

State

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

alexander Franklin Gallatin hamilton hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski randolph Saline union Washington White Williamson reGIon

q 11.8% p 18.3% 0.0% p 10.7% q 61.5% q 2.7% q 9.8% q 40.4% p 17.9% p 29.2% p 25.0% q 40.0% q 26.0% p 10.7% q 17.5% p 26.0% 0.0% q 4.2% q 2.7%

Jan 14

Jan 13

15 123 28 31 5 110 83 28 33 62 10 12 74 83 47 63 50 181 1,038

17 104 28 28 13 113 92 47 28 48 8 20 100 75 57 50 50 189 1,067

change

2013 165 1,522 282 384 129 1,705 1,172 500 390 734 106 199 1,115 1,078 601 700 796 2,498 14,076

r S u of I Flash Index

U. S.

new vehicle sales

2012 128 1,134 265 278 102 1,572 894 389 240 618 82 141 1,039 1,056 476 493 633 2,250 11,790

change p 28.9% p 34.2% p 6.4% p 38.1% p 26.5% p 8.5% p 31.1% p 31.1% p 62.5% p 18.8% p 29.3% p 41.1% p 7.3% p 2.1% p 26.3% p 42.0% p 25.8% p 11.0% p 19.4%

home sales alexander Franklin Gallatin hamilton hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski randolph Saline union Williamson IllInoIS

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

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.

Feb 14 106.8

’13

’12

’14

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.

oct 13 oct 12 MonthlY totalS $829,592

change

$801,312 p

3.5%

Ytd totalS $6,716,604

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. 234

232

$6,761,219 q <0.01%

2012 annual totalS $7,732,810

Source: iLLinoiS Secretary of State’S office. LateSt Data avaiLabLe.

2011

change

230

228

U.S. City Average Feb 14 234.8

226

$7,728,261 q <0.01%

224

222

Total units sold, including condominiums

Q4 13 A M J

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 February 2014.

 1 most visited news, information and advertising #

1 82 3 1 6 63 54 27 32 22 7 1 39 39 24 159 31,507

Q4 12 6 75 1 4 3 80 65 19 21 25 3 2 25 30 31 164 32,975

change

q 83.3% p 9.3% p 200.0% q 75.0% p 100.0% q 22.2% q 16.9% p 42.1% p 52.4% q 12.0% p 133.3% q 50.0% p 56.0% p 30.0% q 27.3% q 3.0% q 4.5%

2013 15 288 13 3 16 325 306 103 122 106 18 6 148 136 100 704 151,720

2012 12 306 12 13 11 346 269 61 118 92 10 8 130 164 93 646 127,588

change p 25.0% q 5.9% p 8.3% q 77.0% p 45.5% q 6.1% p 13.8% p 68.9% p 3.4% p 15.2% p 80.0% q 25.0% p 13.8% q 17.1 % p 7.5% p 9.0% p 18.9%

MedIan SaleS PrIce Q4 13 Q4 12 $30,000 $54,000 $74,000 $8,000 $72,500 $97,000 $76,000 $79,000 $74,000 $44,000 $81,660 $94,100 $75,000 $46,000 $80,365 $82,000 $148,000

$15,500 $43,000 $75,000 $59,000 $46,000 $98,250 $89,000 $66,000 $69,500 $69,000 $42,500 $300,000 $24,500 $60,000 $65,150 $98,000 $134,000

220

change p 93.5% p 25.6% q 1.3% q 86.4% p 57.6% q 1.3% q 14.6% p 20.0% p 7.2% p 3.5% q 72.8% p 284.1% p 25.0% q 29.4% p 7.3% q 16.3% p 10.4%

218

216

Midwest Urban Feb 14 223.5

214

212 F

J ’13

F ‘14

Average price per gallon of regular, unleaded gas as of April 27 and March 23, 2014.

Metro east Springfield Illinois u.S.

apr 14

Mar 14

apr 13

$3.79 $3.70 $3.92 $3.70

$3.67 $3.63 $3.75 $3.53

$3.71 $3.73 $3.89 $3.50

Monthly Unique Visitors:

Monthly Visits:

2,987,066

395,358

842,327

*April 2014 omniture

Prices at the pump

Monthly Page Views:

Let us help grow your business. Call (618) 351-5014

Source: u.S. Department of Labor

Source: aaa

Source: iLLinoiS aSSociation of reaLtorS

Ytd Feb 2014

2013

2012

2011

2010

2009

21.2 15.2 108.8 6.9 8.8 16.2 38.3 28.4 1.9 120.0 14.0 89.2 23.3 21.1 6.7 12.2 21.6 6.8 16.4 20.2 $597.2 $28,053.0

121.8 92.7 594.5 42.8 55.7 119.1 217.0 160.7 12.2 726.7 85.3 519.2 136.2 136.0 41.7 82.6 131.7 41.6 93.2 122.3 $3,533.0 $165,238.9

114.1 83.2 552.4 38.9 53.2 114.4 205.1 152.5 11.8 620.1 77.8 494.9 127.5 116.3 38.6 78.4 120.2 38.4 87.1 70.8 $3,192.7 $152,406.7

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

% change 09-13 p p p p p p p p q p p p p p p p p p p p p p

6.4% 33.6% 5.1% 7.3% 5.3% 18.2% 13.1% 9.2% 2.4% 7.5% 10.6% 9.0% 5.5% 26.0% 12.1% 17.8% 4.2% 12.1% 1.4% 9.8% 9.2% 18.4%

Source: LateSt StatiSticS avaiLabLe from the iLLinoiS Department of revenue. fiGureS are in miLLionS.

IPMFG Dec 13 97.8

105 104 103 102 100 98 94 90 88 86 84 82 81

n I l l I chicago Fed Midwest Manufacturing Index

labor force

Jobless

Mar 2014

Feb 2014

Mar 2013

2,774 16,626 2,398 4,201 1,586 30,476 19,694 5,060 6,985 9,100 1,774 2,664 14,877 12,228 7,684 8,823 7,027 33,827 187,804 6,534,933 155,627,000

316 1,938 216 370 165 2,221 1,516 513 549 958 171 265 1,157 1,149 855 549 545 2,838 16,291 545,157 10,537,000

11.4% 11.7% 9.0% 8.8% 10.4% 7.3% 7.7% 10.1% 7.9% 10.5% 9.6% 9.9% 7.8% 9.4% 11.1% 6.2% 7.8% 8.4% 8.7% 8.3% 6.8%

11.5% 13.3% 10.3% 10.2% 11.4% 8.4% 9.1% 11.9% 8.4% 12.3% 11.2% 12.0% 9.6% 10.7% 12.8% 7.5% 8.9% 9.6% 9.8% 9.4% 7.0%

10.5% 12.5% 10.1% 8.7% 12.0% 7.6% 8.5% 11.5% 9.1% 11.6% 9.8% 10.9% 8.7% 10.3% 11.8% 6.9% 7.9% 9.0% 9.4% 9.3% 7.6%

change month q 0.1 q 1.6 q 1.3 q 1.4 q 1.0 q 1.1 q 1.4 q 1.8 q 0.5 q 1.7 q 1.6 q 2.1 q 1.8 q 1.3 q 1.7 q 1.3 q 1.1 q 1.2 q 1.1 q 1.1 q 0.2

80 78

change year p 0.9 q 0.8 q 1.1 p 0.1 q 1.6 q 0.3 q 0.8 q 1.4 q 1.2 q 1.1 q 0.2 q 1.0 q 0.9 q 0.9 q 0.7 q 0.7 q 0.1 q 0.6 q 0.7 q 1.0 q 0.8

Source: iLLinoiS Department of empLoyment Security, u.S. Department of Labor. fiGureS are not SeaSonaLLy aDjuSteD.

thesouthern.com

CFMMI Dec 13 97.4

74 72 70 68 66 64

A M J

A S O N D J F M A M J J A S O N

’12

’13

Source: feDeraL reServe bank of chicaGo

Williamson county regional airport passengers Mar 14 Mar 13 MonthlY totalS 828

change

879

q 5.8%

2,339

q 2.8%

Ytd totalS 2,274

2013 annual totalS 10,476

2012 10,170

change p 3.0%

 #1 most visited news, information and advertising

website in Southern Illinois.

I S I n d consumer credit score

672

689

Local

Region

674

665

State

U. S.

new vehicle sales

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

alexander Franklin Gallatin hamilton hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski randolph Saline union Washington White Williamson reGIon

q 11.8% p 18.3% 0.0% p 10.7% q 61.5% q 2.7% q 9.8% q 40.4% p 17.9% p 29.2% p 25.0% q 40.0% q 26.0% p 10.7% q 17.5% p 26.0% 0.0% q 4.2% q 2.7%

Jan 14

Jan 13

15 123 28 31 5 110 83 28 33 62 10 12 74 83 47 63 50 181 1,038

17 104 28 28 13 113 92 47 28 48 8 20 100 75 57 50 50 189 1,067

change

2013 165 1,522 282 384 129 1,705 1,172 500 390 734 106 199 1,115 1,078 601 700 796 2,498 14,076

r S u of I Flash Index

2012 128 1,134 265 278 102 1,572 894 389 240 618 82 141 1,039 1,056 476 493 633 2,250 11,790

change p 28.9% p 34.2% p 6.4% p 38.1% p 26.5% p 8.5% p 31.1% p 31.1% p 62.5% p 18.8% p 29.3% p 41.1% p 7.3% p 2.1% p 26.3% p 42.0% p 25.8% p 11.0% p 19.4%

’13

’12

’14

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.

oct 13 oct 12 MonthlY totalS $829,592

change

$801,312 p

3.5%

Ytd totalS $6,716,604

232

$6,761,219 q <0.01%

2012 annual totalS

2011

change

230

228

U.S. City Average Feb 14 234.8

226

$7,728,261 q <0.01%

224

222

Total units sold, including condominiums

Q4 13 alexander Franklin Gallatin hamilton hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski randolph Saline union Williamson IllInoIS

Feb 14 106.8

$7,732,810

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 A

1 82 3 1 6 63 54 27 32 22 7 1 39 39 24 159 31,507

Q4 12 6 75 1 4 3 80 65 19 21 25 3 2 25 30 31 164 32,975

change

q 83.3% p 9.3% p 200.0% q 75.0% p 100.0% q 22.2% q 16.9% p 42.1% p 52.4% q 12.0% p 133.3% q 50.0% p 56.0% p 30.0% q 27.3% q 3.0% q 4.5%

2013 15 288 13 3 16 325 306 103 122 106 18 6 148 136 100 704 151,720

2012 12 306 12 13 11 346 269 61 118 92 10 8 130 164 93 646 127,588

change p 25.0% q 5.9% p 8.3% q 77.0% p 45.5% q 6.1% p 13.8% p 68.9% p 3.4% p 15.2% p 80.0% q 25.0% p 13.8% q 17.1 % p 7.5% p 9.0% p 18.9%

MedIan SaleS PrIce Q4 13 Q4 12 $30,000 $54,000 $74,000 $8,000 $72,500 $97,000 $76,000 $79,000 $74,000 $44,000 $81,660 $94,100 $75,000 $46,000 $80,365 $82,000 $148,000

$15,500 $43,000 $75,000 $59,000 $46,000 $98,250 $89,000 $66,000 $69,500 $69,000 $42,500 $300,000 $24,500 $60,000 $65,150 $98,000 $134,000

220

change p 93.5% p 25.6% q 1.3% q 86.4% p 57.6% q 1.3% q 14.6% p 20.0% p 7.2% p 3.5% q 72.8% p 284.1% p 25.0% q 29.4% p 7.3% q 16.3% p 10.4%

218

216

Midwest Urban Feb 14 223.5

214

212 F

J ’13

F ‘14

Average price per gallon of regular, unleaded gas as of April 27 and March 23, 2014.

Metro east Springfield Illinois u.S.

apr 14

Mar 14

apr 13

$3.79 $3.70 $3.92 $3.70

$3.67 $3.63 $3.75 $3.53

$3.71 $3.73 $3.89 $3.50

Monthly Unique Visitors:

Monthly Visits:

2,987,066

395,358

842,327

*April 2014 omniture

Prices at the pump

Monthly Page Views:

Let us help grow your business. Call (618) 351-5014

Source: u.S. Department of Labor

Source: aaa

Source: iLLinoiS aSSociation of reaLtorS

Southern Business Journal

May 2014

Money Matters

Retirement approaching? Tips for those over 50 the $5,500 catch-up contribution that is available to participants aged 50 and older. Note that you are first required to contribute Are you in your 50s (or 60s) the annual employee maximum, and behind in your retirement $17,500 for 2014, before making planning the catch-up contribution. goals? Fund an IRA. Investors aged 50 Don’t fret. and older can contribute $6,500 You’ve still annually (the $5,500 annual got time contribution plus an addito get your tional catch-up contribution of financial $1,000). An investor in his or her plan on 50s who contributes the maxitrack. mum amounts to both a 401(k) There are and an IRA could accelerate many steps McClatchey retirement savings by more than that older $25,000 a year. investors can take to better preReview your investing strategy. pare themselves financially for Generally, the nearer to retireretirement. Here are some tips that may help you make the most ment you are, the less investment risk you should take. of your final working years. However, if you’re still young Catch up. If you have access and have always been a conserto a 401(k) or other workplacevative investor, you may want sponsored plan at work, make SCOTT MCCLATCHEY SBJ CONTRIBUTOR‌

to consider getting a bit more aggressive. Consider reallocating your portfolio to include a little more stock exposure that could give you the potential for more growth. Consider dividends. If you do not have access to a workplacesponsored retirement plan, or you already contribute the maximum to your qualified retirement accounts, consider stocks that offer dividend reinvestment. Reinvesting your dividends can help to grow your account balance over time. Make little cuts. Consider how you can trim expenses while continuing to enjoy life. Some suggestions for quick savings: eliminate or reduce premium cable channels that you do not watch, memberships that you do not use regularly, and frequent splurges on dining out or coffee

runs. An extra $100 a month saved today could make a big difference down the road. Consider bigger cuts. If you find yourself very deeply in debt, it may be time to make some bigger decisions. Review your spending thoroughly. If you can’t keep up, it may be time to downsize. Review strategies for postponing retirement. If you are thinking about working longer than you had previously anticipated, you are not alone. Nearly onequarter of Americans surveyed said they will probably retire later than planned. If working longer for your current employer doesn’t thrill you, explore learning new skills that could increase your marketability to potential employers. Even a part-time job in retirement could reduce your need to deplete your assets. Most important tip: Don’t give up:

Many pre-retirees falsely believe that there is nothing they can do to build retirement assets and, as a result, do nothing. Remember that you control how much you invest and, in many areas, how much you spend. Make a plan and stick with it. It’s never too late! SCOTT MCCLATCHEY is a certified financial planner with Alliance Investment Planning Group, a Carbondale investment firm located at 115 S. Washington St. He can be reached at 618519-9344 or scott@allianceinvestmentplanning.com. He also provides investment, retirement planning and insurance services to SIU Credit Union members through the SIU Credit Union Investment Services partnership. Securities offered through LPL Financial, member FINRA/SIPC.

Taxes in Illinois: Raise more revenue, cut the boondoggles books. Good thing they have a smart mother who makes them work hard. It is just that Illinois still is ‌I was glad to see the editorial board members of The Southern running a deficit even with the “temporary” tax increase. There Illinoisan address taxes. That was likely never a chance it they recwould be temporary in our state. ommend I wish that politicians would be Illinois not more straight-forward. I wish let its revI was skinnier also. Currently, enue be cut there are five states with a 5 persays a lot. I cent income tax. Thirty states guess they have income tax rates higher see that than 5 percent, and 15 states are our state lower. The 5 percent maximum already is income tax for higher income running a Tison is just fine to keep. Then, you deficit, and cutting important services such could lower the income tax rate back to 3.5 percent for incomes as education is a bad idea. As a parent of two kids in the Illinois less than $75,000 a year. Since Illinois still had a public school system, it has been budget deficit with the current sad to see them go to a dilapirevenue, the state needs to both dated high school with old text MICHAEL P. TISON SBJ CONTRIBUTOR‌

raise additional revenues and lower costs. I think a good place to raise some additional revenue would be to add 1 percent to the state sales tax. If Illinois does this, the state could raise probably just a little over $1 billion. Some of this additional revenue could be used exclusively for education for the poorer school districts that are getting a bad deal with the current formula. Additional sales taxes would be a good way to raise some additional revenue. It is consumption-based and causes the people who spend money to have to pay the taxes. This will generate revenue from tourists to our state, students who come to the U.S. for the best education in the world and also the underground economy that doesn’t declare income.

The state of Illinois also needs to finally do something about the promises it is still keeping, but can’t afford. I agree with state employees who are relying on the pension promises made to them. What was promised them shouldn’t be cut. It is not their fault our state made promises it couldn’t afford. The state should now move to a hybrid retirement for its employees. One-half pension and one-half defined-contribution plan similar to a 401(k) plan. Our state employees in the future need to be fairly compensated, but our state has to be smarter. Our state over-promised and underfunded its pension. That is a bad combination. Also, on the spending side is the crony capitalism documented in a Nov. 15, 2011, Wall

Street Journal editorial. It defined crony capitalism as raising taxes on everyone, then cutting side deals with those big enough to lobby for special relief. It is the special tax relief and the unnecessary spending on things like bike trails and a high-speed rail between St. Louis and Chicago that are boondoggles our state doesn’t need and can’t afford. The next revenue problem our state is going to have is the motor fuel tax, which will not be enough to take care of the infrastructure. Cars today are getting way better gas mileage. Some cars are moving to electric power and use no gas at all. We might need to start looking at a national solution so no state has an advantage over any other.

SEE TISON / PAGE 17

May 2014

Southern Business Journal

| 13

Southern Business Journal

May 2014

Achievements Vaillancourt launches new website ‌ nnette Vaillancourt, Ph.D., a CarbonA dale-based counselor for individuals and couples, has launched a new website,

teleclasses, MeetUps and webinars. www.elitesoulmatecoaching.com. The website includes information about her new live, virtual coaching services, Barwick joins free SoulMate Success newsletter, book,

Watermark Auto Group

Askew-Robinson

Barwick

Diemer

Hormann

Johnston

Keyser

Klump

Marthiens

Mowery

Nuzum

Patterson

Pauley

Richey

Stork

Van Meter

Waters

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. Find more business news at www.sbj.biz

Witt

‌Joni Barwick recently joined the staff of Watermark Auto Group as vice president of corporate responsibility and development. Barwick will be responsible for helping to grow certain segments of the business and will act as a representative and corporate neighbor in the communities served. Watermark Auto Group is based in Marion and consists of dealerships in Illinois, Kentucky and Missouri. The group includes Marion Ford-Hyundai, Nissan of Marion, Bluegrass Honda, Bluegrass BMW, Madisonville Ford-Nissan and Hyundai of Cape Girardeau.

Patterson awarded for safe driving ‌Maverick Transportation recently presented driver Paul Patterson of Royalton with his Million Mile Safe Driving Award. This award is given to drivers who have driven 1 million or more accidentfree miles as a professional truck driver at Maverick. Patterson has been with Maverick for nine years and has earned numerous safety accolades.

Nagreski attends estate planning course

‌C. Adam Nagreski of Nagreski Law, LLC, recently completed an estate planning course through the Illinois Institute for Continuing Legal Education. The course covered various topics, including wills, trusts, powers of attorney, living wills, retirement benefits and life insurance issues. Aisin receives GM recognition Nagreski is a Johnston City-based ‌Aisin Manufacturing in Marion recently general practice attorney, who serves all of Southern Illinois, and a graduate of SIU received the Certificate of Excellence — School of Law. He can be reached at 618Platinum Supplier Status from General 503-0221 or nagreskilaw@gmail.com. Motors. The award is presented to GM suppliers in recognition for outstanding on-time delivery performance. Johnston joins Korte design team Aisin Mfg. Illinois, LLC, located in the REDCO Industrial Park area in Marion, ‌Stacey Johnston has joined the design manufactures sunroofs and door comstaff at the St. Louis-based Korte Components for automotive manufacturers, pany, where she will serve its architectural including Toyota, GM and Subaru. team as a design support specialist. Johnston has a bachelor’s degree in architectural studies from SIU. Her design Businesses sponsor food drive experience includes public safety and educational projects. ‌Allied Physicians and Rehab of Southern Illinois and Dollar General in Cambria raised more than $200 worth of food for ONB among world’s most Cambria Food Pantry at two in-store ethical companies events on Feb. 14 and 15. Dollar General customers were invited ‌The Ethisphere Institute has recognized to donate at least three food items to spin Old National Bank as a 2014 World’s Most a wheel for prizes. Cash donations totaled Ethical Company. more than $50. This is the third consecutive year that Old National has been honored with this award, which recognizes organizations Marthiens named administrator that continue to raise the bar on ethical of nursing center leadership and corporate behavior. ‌Edgar Marthiens has been named the new administrator at Shawnee Christian Klump certified to provide Nursing Center in Herrin. DOT physicals Marthiens comes to Shawnee with 11 years in long-term health care. He ‌Danielle Klump, a family nurse pracearned his bachelor’s degree at University titioner at Marshall Browning Medical of Florida in Gainesville and master’s Clinic in Du Quoin, recently passed the degree in industrial engineering (health certification exam to provide Department care delivery systems) from University of of Transportation physicals. Wisconsin-Madison. After May 21, all interstate CMV drivers

May 2014

Southern Business Journal

| 15

Achievements must have their medical examination per- advisors supported by LPL Financial. formed by a certified medical examiner. Appointments for DOT physicals may be Nuzum completes made by calling 618-542-1050.

certification course

Sport Clips is a men’s and boys’ hair care provider, soon to have 1,200 stores across the United States. Keyser’s nine Sport Clips Haircuts are in Carbondale, Marion, Champaign, Glen Carbon and Springfield, along with Caledonia and Grand Rapids, Mich., and Cape Girardeau.

Studio 212 opens in Coulterville

‌Studio 212, a hair salon, recently opened at 212 E. Grant St. in Coulterville. Owner/stylist Alex Hormann works with two stylists, Hannah Stork and Sierra Van Meter, both of Pinckneyville. The full-service salon is open from 9 a.m. to 7 p.m. Monday, Tuesday and Thursday, 9 a.m. to 5 p.m. Wednesday and Friday and 8 a.m. to 1 p.m. Saturday. Call 618-758-1401 to reach the salon.

‌Anitta Nuzum, L.M.T., owner of At Massage on Call in Marion, recently completed a certification course in the ‌Demonstrating a strong commitment Ayurveda Perfect Health Program at Cho- Askew-Robinson named VP at SCC to employee safety and health, Unimin pra University in Carlsbad, Calif. Specialty Minerals was recognized with To learn more about her services and Rock Solid Safety Awards at the Illinois ‌Jipaum Askew-Robinson has been the classes she teaches, call 618-751-5740. named vice president of Student and Association of Aggregate Producers annual convention April 10 in Springfield. Administrative Services at Shawnee The company’s mining and processWaters named regional executive Community College. ing plant in Elco achieved a Gold Award, She last worked as director of cultural Richey honored for while the plant in Tamms received a Rock diversity at West Kentucky Community ‌Baptist Health recently named Jim sales achievement Solid Excellence in Safety Award, the and Technical College in Paducah. The Waters Jr. as regional executive for serhighest honor. Atlanta native earned her bachelor’s vice line development for Baptist Health ‌Peggy R. Richey of Pittsburg, a repAccepting the awards were John Mowdegree from Georgia State University and resentative of Modern Woodmen of Paducah and Madisonville. ery, purchasing supervisor for the plants master’s in business administration from America, has been named to Modern Leadership responsibilities include in both Elco and Tamms, and Jim Witt, cardiac, imaging and oncology services at Florida A&M University. Woodmen’s President’s Club. plant superintendent in Tamms. Baptist Health Paducah. This distinction recognizes Richey’s high achievement in life insurance sales Local teachers attend conference among the organization’s representaPauley graduates from Wells Fargo advisors promoted tives nationwide. The local Modern ‌Three teachers from Unity Christian FLA Institute Woodmen office is at 12203 Poordo Road School in Energy recently attended a ‌Ginger Murray and Alesia Patterson, both financial advisers with the Carbon- teacher-training conference at Bob Jones in Pittsburg. Richey can be reached at ‌Jennifer Pauley, an employee at Mur618‑982-2679. phy-Wall State Bank and Trust Company dale branch of Wells Fargo Advisors, have University in Greenville, S.C. Christy Quaglia, Bridget Douglas and in Pinckneyville, recently graduated from been promoted. Kelly Dover attended the two-day seminar Sorensen recognized as top chef Murray has been named senior vice Future Leaders Alliance Institute offered to view the new curriculum, meet the president-investment officer. She has through Illinois Bankers Association. authors of the curriculum and discover been with Wells Fargo for 25 years and Pauley and other participants were ‌Lasse Sorensen, proprietor of Tom’s has 36 years of experience in the financial the best methods of implementing it involved in training, which included Place in De Soto, has been named as a at UCS. services industry. attending educational sessions and Best Chef again in 2014. Patterson has been named first vice performing local community service. president-investment officer. She has To meet her goal, Pauley participated in been with Wells Fargo for 25 years and Murphy-Wall State Bank’s job shadowhas 31 years of experience in the financial ing and American Bankers Association’s services industry. Teach Children to Save Day.

Unimin receives safety awards

Boys & Girls Club Business of the Month‌

Silkworm launches online design studio

Diemer joins Cape Physician Associates

‌Silkworm, Inc. now offers an online design studio, a new feature available on its recently redesigned website at www. silkwormink.com. Silkworm’s new website features an improved navigational experience and updated content.

‌Jean Diemer, M.D., a native of Anna, has joined Cape Physician Associates in Cape Girardeau as a medical partner and pediatrician. Diemer attended SIU and earned her medical degree from University of Illinois School of Medicine. Board certified in pediatrics, she has a special interest in newborns, childhood obesity and preventive care for children and adolescents.

Gossett recognized as a top financial advisor ‌Rich Gossett, a financial advisor at Old National Investments in Carbondale, was recognized as a top financial advisor and named to LPL Financial Director’s Club. This distinction is based on an annual production ranking of all registered

Keyser named top franchisee ‌Jesse Keyser of Carbondale was named Sport Clips Haircuts’ top franchisee during the franchise’s recent National Huddle in Houston.

Provided‌

The Boys & Girls Club of Carbondale is pleased to announce American Eagle Outfitters as their Business of the Month for April!

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May 2014

Baby steps are needed to establish a lasting nonprofit CAVANAUGH L. GRAY SBJ CONTRIBUTOR‌

‌In 1887, Frances Wisebart Jacobs, the Rev. Myron W. Reed, Msgr. William J. O’Ryan, Dean H. Martyn Hart and Rabbi William S. Friedman recognized the need for cooperative action to address the city of Denver’s welfare problems. Their initial efforts were the foundation for the United Way that in 126 years has held true to its mission of education, financial stability and the promotion of Gray healthy living. According to The Chronicles of Philanthropy, the United Way took in more than $3.9 billion in donations in 2013 — a far cry from the $21,000 the organization took in its first year. Many nonprofits since have relied upon the good nature of its donors to survive at the outset. However, with increased funding cutbacks, competition from other nonprofits and the emergence of social enterprises, nonprofits have been forced to function more like for-profit entities.

Organizing your nonprofit efforts

In 1996, I set about the process of organizing my first nonprofit organization and felt overwhelmed throughout much of the process. The sheer amount of information that needed to be read, synthesized and organized slowed my efforts considerably. That analysis paralysis cost me several months of unnecessary lag time. Step 1: Complete your respective state’s Articles of Nonprofit Incorporation. It’s the first step in formally establishing your organization, and you’ll need it to set up a bank account and apply for taxexempt status. Step 2: Submit an application for an Employee Identification Number (EIN) on behalf of your organization. Think of your EIN as a social security number for your nonprofit. You’ll need it to establish a bank account and apply for tax-exempt status. Step 3: Write a one-page general description of the organization’s core mission, goals and objectives, the population being served and the members of your organization. Also, most nonprofits are started for one of the following purposes: religious, charitable, educational, etc. Know which

one best applies to you. The more detailed you are at the outset, the easier the application process will be later on. Step 4: Completely read Publication 557 Instructions for filing for Tax Exempt Status. This 70-plus page document can be cumbersome to navigate, but at least you’ll be in the know. Be sure to take plenty of notes. Step 5: You’re now ready to start on Form 1023: Application for Recognition of Exemption. Make it a point to read it once completely before attempting to fill out the application.

Tax-exempt application considerations

One of the key benefits of obtaining taxexempt status is the ability to accept financial support at a tax benefit to the donor. However, missteps in the application process can spoil your chances of obtaining that coveted 501©3 status. For starters, organizations can misclassify themselves as a public organization, private foundation or private operating foundation. It’s best to state your case and let the IRS make its determination. Applicants should be aware of which tax return to file (990-EZ, 990, 990-E, etc.) and their related deadlines.

Establishing organization bylaws

Although not required by the IRS to apply for tax-exemption, a set of well thought-out guidelines or bylaws will greatly benefit your organization and help you better navigate the application process. Establish a donations policy, keeping in mind that amounts over $75 need a disclosure statement, and that donors can’t deduct amounts of $250 or more without a written statement. Lastly, develop a Conflict of Interest Policy that clearly defines business ethics in relation to your organization’s business dealings. CAVANAUGH L. GRAY (cgray@ecafellc.com) is the director of business development for The Entrepreneur Café, L.L.C. (877-5114820). For more information on nonprofits or to read a chapter from his book, “The Entrepreneurial Spirit Lives: 25 Tales to Help Entrepreneurs Start, Grow, and Succeed in Small Business,” log onto www. ecafellc.com. For more information on how to start, grow and succeed in small business, ‘Like’ on Facebook, ‘Follow’ on Twitter @ TheECafe or ‘Connect’ on LinkedIn.

May 2014

Southern Business Journal

| 17

Economists back increased US oil and gas exports But even economists who think exports might increase fuel prices for U.S. consumers — an open question — say the overall benefit ‌NEW YORK — Whether to to the economy would outweigh allow more exports of U.S. oil and any possible harm. It would be natural gas has become a matter better to allow the exports and use of political debate in Washington. tax breaks or other methods to help But to economists, the answer is those struggling with higher prices, clear: The nation would benefit. they say. The vast majority of econo“The economy in general is mists surveyed in April by The better off if we can sell something Associated Press say lifting to someone and bring money into restrictions on exports of oil the economy,” said Jerry Webman, and natural gas would help the chief economist at Oppenheimer economy even if it meant higher Funds. “I’d rather deal with any fuel prices for consumers. side effects directly than limit More exports would encourage investment in oil and gas producAP‌ our ability to do business with In this March file photo, workers tend to a well head during a hydraulic the world.” tion and transport, create jobs, fracturing operation at an Encana Oil & Gas (USA) Inc. gas well outside Rifle The AP survey collected the make oil and gas supplies more in western Colorado. views of private, corporate and stable and reduce the U.S. trade academic economists on a range deficit, they say. Those opposed to opening trade of issues. Of the 30 economists As domestic energy production where they can command higher who participated, nearly 90 perprices. Such exports are restricted say exports could make it more has boomed, drilling companies cent responded that more exports expensive for Americans to heat by decades-old energy security have pushed to be allowed to sell their homes and fill up their cars. of oil and gas would help the crude oil and natural gas overseas, regulations. JONATHAN FAHEY

The Associated Press‌

U.S. economy. Oil and gas export restrictions went largely unchallenged for decades because consumption in the U.S. — by far the world’s biggest consumer of oil and gas — was rising while production was falling. Imports were increasing, and few thought the U.S. would ever be in a position to export oil or gas. But new techniques have allowed drillers to tap oil and gas in formations once thought out of reach, and U.S. production has soared. The U.S. still consumes far more crude oil than it produces. But oil companies are producing a light sweet crude that foreign refineries covet and that many U.S. refineries are not equipped to handle. The companies and some politicians have called for lifting oil export restrictions. Proponents concede.

Fine Print Building permits

Mount Vernon‌

Joe Ilbery, 2307 Benton Road, $12,500 Marion‌ Jefferson County Shriners, 11675 Casey’s Retail Co., 2314 W. Main St., Illinois 37, $0 $190,000 Baldwin Enterprises, Inc., 222 Potomac Blvd., $50,000 Maxine Lockeby, 2909 S. 13th St., Metropolis‌ $47,000 Gwen’s D.E.F., 1120 Johnson St., Maxine Lockey 2909 S. 13th St., $0 $115,000 Goodman Networks, 123 S. 10th St., Project Hope Humane Society, 1660 $19,000 10th St. W., $74,100 Henry Mannen, 2005 Casey, $0 Gary Graham, 909 Ophia St., $3,000 Rue 21 (Times Square Mall), 100

From page 12

Solutions could start as a tax whenever a car gets re-titled or a tax on new tires. Tires are always on the road. Electric cars shouldn’t be exempt. Lastly, on the revenue side, our state might be missing some

Times Square Mall, $100 New Dimension Builders, Inc., 801 1/2 S. 18th St. (trailer only) $0 Rue 21 (Times Square Mall), 3917 Broadway, No. 43, $200,000 Jim Stanley and Sherry Perkins, 1302 S. 24th St., $0 Hallmark Store (King City Square), 417 S. 42nd St., $4,400 Phil and Betty Bauer, 405 S. 19th St., $9,500 Norman Fowler, 1101 Conger, $0 Doris Meredith, 705 S. 17th St., $69,130

Big Lots (Times Square Mall), 3925 Broadway, $8,200 Big Lots (Times Square Mall), 3925 Broadway, $300 Kingdom Seed Ministries, 118 S. Ninth St, $4,810 Mount Vernon Dream Homes, 11884 N. Rye Grass, $23,000 Mount Vernon Raceways 11670 N. Wells Bypass, $1,000 Neeya Auto Sales, 1415 Salem Road, $450

Murphysboro‌

Darryl Jones, 12 N. 13th St., $7,000 Earl Summers, 1921 Logan St., $10, 618 Leslie Williams, 1133 Roberta Drive, $80,000 Clarence Sherman, 907 N. 22nd St., $2,000 Jeff Vincent, 921 N. Ninth, $4,685 Dane And Laura Grammer, 2135 Clay St., $3,583 Bert VanGilder, 508 N. Bill Drive, Lot 76, $400

Tison: Taxes in Illinois: Raise more revenue, cut the boondoggles opportunities. I know Texas has about double the population of Illinois. What I don’t understand, and maybe the Paul Simon Public Policy Institute can figure out, is why the difference is so large in the following states’ 20142015 budgets.

Look at the comparison on sales tax revenues: Texas sales tax, $54 billion; Illinois sales tax, $7.8 billion. The tax rates are similar, and I can’t believe the Texas economy is that much stronger. Texas must collect taxes on items that Illinois

does not. This material is being provided for information purposes only and is not a complete description, nor is it a recommendation to buy or sell any investment. Any opinions are those of Michael P. Tison and not necessarily of Raymond James.

MICHAEL P. TISON is a registered principal/financial advisor with Raymond James Financial Services, Inc., member FINRA/ SIPC. Raymond James has offices in Marion and Harrisburg at 37 S. Main St. He can be reached at 618253-4444.

Southern Business Journal

May 2014

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May 2014

Southern Business Journal

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Fine Print Bankruptcies

St., Mound City Samantha L. Voelker, 303 N. East St., Apt. 26, Norris City ‌Chapter 7 David R. and Joyce M. Smith, 4474 Old Robert E. and Patricia A. Paddock, 409 W. Illinois 13, Carterville Main St., McLeansboro Ann T. Hargan, 207 E. Church St., Benton Debra L. Rice, 5495 Peony Road, Coulterville Harvey D. and Rose I. Bushue, 1455 Cutler Catherine J. Dale, 302 Frank St., Du Quoin St., Benton Suzanne Y. Gates and David C. Gates, 223 S. Randy Allan Denton, 12346 Curie Lane, Leonard St., Du Quoin Marion Eboni M. Perkins, 1200 E. Grand Ave., Apt. Jeremy R. Prentice, 1200 Barham Ave., 17-3A, Carbondale Johnston City William Ray Ashley, 3014 North Ave., Jamila N. McIntyre, 1404 N. Robert A. Stalls Metropolis Ave., Carbondale Clay D. Hanks, 507 E. North St., Du Quoin Matthew Carson Mason, 130 Brookview Daniel L. Nutter, 1215 Waters Road, Vienna Drive, Apt. 5, Red Bud Robert J. and Wanda V. Schleper, 17 S. Peach Lura L. Oakley, 1348 Dallas Road, St., Du Quoin Murphysboro Eric S. and DeAnn T. Bennett, 2520 N. 13th Nathan R. and Jennifer L. West, 24 W. Homer St., Herrin St., Harrisburg Rodney D. and Darla J. Bilderback, 13750 Mindy S. Williams, 104 Lime Kiln Apartment Christmas Tree Road, Johnston City Drive, Anna Randall J. Tolbert, 817 Dewey St., Eldorado Kelly C. Futrell, 2993 N. Reed Station Road, Jason RW Richard, 201 Paula Lane, Lot 10, Apt. 1, De Soto Carterville Gayla Welch, 1108 N. Fair St., Apt. B, Marion William E. Gore, 2782 Sharp Lane, West Dennis P. and Donna J. Sminchak, 10358 Frankfort Gass St., West Frankfort Scott Anthony Barringer, 169 Gaskin Mine Virginia L. Bennett, P.O. Box 3103, Road, Herod Carbondale Kathy Lynn Reiss, 169 Gaskin Mine Road, Joseph C. and Juliana Woodsides, 415 N. Herod Vine St., Du Quoin Kalen and Jordan Gibbs, 1104 Gent Ave., Ramona Lynn Cox, 164 Hickory Road, Titus, Johnston City Ala. Charles R. Sanders, 527 E. Monroe St., Du Pamela S. Baker, 1211 N. Courtney St., Quoin Marion Curtis J. and Tammy I. Kish, 1531 Beech Marcus W. and Cassandra A. Rush, 600 S. Road, Du Quoin Emma St., Christopher Trymon C. and Christie M. Hawkins, 2403 Carissima Burnetta, 1610 Pine Ave., Perkins Ave., Mount Vernon Johnston City Janine S. Mitchell, 10631 Country Club Road, Hank D. and Elizabeth M. Isbell, P.O. Box 506, Apt. 1, West Frankfort Herrin George D. and Linda K. Brooks, P.O. Box 722, Jeremiah S. and Melissa D. Farlow, 711 Shawneetown Ruggeri Drive, Herrin Gladys A. Dozeman and Tammy L. Rowden, Larry D. Swain Sr. and Lisa K. Swain, 8220 E. 11007 Stotlar Road, Johnston City Alex Road, Dix Emilia Y. Hafertepe, 202 Douglas Drive, Anna Christina M. Poirer, 2150 Dutch Ridge Road, Loretta M. Rose, 1005 E. Elm St., West Carbondale Frankfort Lacy F. Reams, 533 E. Monroe St., Du Quoin Jeffrey Lee Mitchell, 405 N. Park St., Marissa Lenola K. Corker, 416 W. Sycamore St., DeOndra L. Myles, 1637 Gartside St., Carbondale Murphysboro Valerie R. Flint, 1341 Harsy Road, Du Quoin Michael Shane Pind, P.O. Box 7, Wolf Lake Chol M. Ajoksis and Ayen R. Kok, 305 E. Elm Alan L. Richard Sr. and Becky A. Richard, 201 St., Apt. 305B, Carbondale Paula Lane, Lot 10, Carterville Ronald Burmeister Jr., 708 E. Fourth St., Steve A. and Hazel B. Swain, 600 S. Division West Frankfort St., Carterville James Lee Lewis, 5065 Park St., Mulkeytown Meagan D. Anderson, 97 Reichrath Drive, Sheree A. Randle, 1601 New Era Road, Apt. Murphysboro 503, Carbondale Jerry M Hart, 151 Hoffman Road, Donald M. Hasty, 240 W. Herrin Road, Herrin Murphysboro James Bernard Hillesheim, 522 E. First St., Tyrant C. and Shaniece A. Mackins, 409 Elm Addieville

Karnes Road, West Frankfort Jessica A. Browning, P.O. Box 44, Vienna Keith E. and Erica L. Harris, 1214 N. Hickory St., Du Quoin Toby J. Warner and Brittany L. Warner, 17723 Clank Road, Tamms David F. Halstead, 2249 Makanda Road, Makanda James Eric Osteen, 21212 No. 9 Blacktop, Thompsonville Matthew S. Denbow, 107 W. Lincoln St., Harrisburg Scott A. and Tanya E. Nokes, 611 Ann St., Chester Michael W. and Karla J. Holland, 826 W. Lillie St., Harrisburg Steven R. King and Denise M. Couty, 805B N. Washington St., Marion Vanessa A. Burgess, 17345 Log Cabin Road, Ewing James M. and Melody A. Sarensen, 312 N. Sims St., Royalton David W. and Kendra G. Tharp, 404 S. Powell St., Norris City Carol J. Sweikousky, 2737 McReynolds Lane, West Frankfort Darryl D. Rash, 2417 First St., Eldorado Dayna S. Garner, 412 E. Marion St., Marion Chapter 13 Noel M. and Melanie J. Wright, 180 Maple St., Trent D. Kimberly, 215 Redrow, Apt. C, Marion New Burnside Harlan C. and Etta Sue Holt, 601 Heritage Drive, Herrin Stephen R. Fink, 605 N. Almond St., Carbondale Shadley J. Bigham, 1220 Midway Court, Carbondale‌ Marion Diane Roseman-Tipton, 311 E. Chestnut St., David and Connie K. Morris, 475 E. Caledonia $30,000 St., Olmsted Carbondale School District 95, 925 S. Giant Diane J. Belcher, 145 Belcher Road, Wolf Lake Frager H. and Delores Pollard, 1425 Old West City Road, $33,920 Carbondale School District 95, 1025 N. Wall Main St., Apt. 520, Carbondale St., $22,466 David M. McKenzie, 1300 Marion St., Carbondale School District 95, 1150 E. Grand Carterville Jon W. Melvin, 407 E. Elm St., West Frankfort Ave., $78,106 Quad County Redi-Mix, 2000 N. McRoy Marci A. Foy, 709 W. Sloan St., Harrisburg Drive, $350,000 Scott Luther and Cecelia Jean Dagner, P.O. Roger Spaugh, 407 W. Elm St., $147 Box 193, Steeleville Maxine Rendleman, 706 N. Springer St., Matt J. Gramse, 2116 E. Walnut St., $27,769 Carbondale Marsie Davis, 305 E. Larch St., $34,000 Angela L. Alexander, 105 W. Marion Drive, Lot Emily Clerk, 806 N. Carico St., $36,061 40, Murphysboro Bobby McDaniel, 304 E. Fisher St., $34,500 Stephen W. Coulom, 305 E. Smith St., Joel Eggers, 502 S. Skyline Drive, $500 Benton Habitat for Humanity, 416 E. Oak St., Deborah Ann Lundstrom, 231 S. Court St., $70,000 Lot 24, Benton Parrish Enterprises, 106 S. Rod Lane, J.R. and Luciana Seymour, 9147 U.S. 51, $70,000 Ashley Johhny Jackson, 305 E. Birch St., $500 Jennifer Lynn Ridings, 1612 Swanwick St., Kelly McGuire, 502 S. Dixon St., $1,800 Chester Lawrence Carrico, 921 E. Main St., $13,000 Phillip Shawn and Rhonda E. Gossett, P.O. Studio Day Spa, 515 S. Illinois Ave., $1,500 Box 576, Mulkeytown Timothy H. and Carla J. Spowart, 10336 Land Trust 1, 301 N. Illinois Ave., $53,389

Donna S. Eudy, 504 Breezeel School Road, Benton, Ky. Viola S. Rosenow, 1004 W. Monroe St., Herrin Thomas E. and Corina R. Haskell, 505 N. Eighth St., Elkville Scott H. and Shannon J. Headlee, 109 Cherry Drive, Mount Vernon Stanley and Debra Tanner, 2532 Tyler Bridge Road, Creal Springs Ryan A. and Danielle M. Corbett, 65 Beech Drive, Mount Vernon Gloria R. Marshoff, 714 N. Mill St., Carrier Mills Jyreece V. Foulks, 516 S. 19th St., Mount Vernon Tehavis A. and Dara D. Davis, 16709 Liberty Road, Mount Vernon Jeremy A. and Aimee B. Pickett, P.O. Box 204, Mound City Mary J. Mason, 95 Renshaw Road, Grantsburg Kenneth A. Donoho Jr. and Tammy L. Donoho, 5 Angus Lane, Anna Brenda L. Lence, 715 N. 16th St., Herrin Charles W. and Karen S. Davis, 602 E. Elm St., West Frankfort

Building permits

Southern Business Journal

May 2014

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