Southern Business Journal by The Southern Illinoisan

JANUARY 2014

Directory of Advertisers

Inside JA N UA RY 20 14

1st Bank and Trust of Murphysboro ........8

SPECIAL REPORT

INVESTMENTS

Following the rules: Most employees are aware of the rules and policies that govern today’s workplaces. Such information typically is in writing and posted on the wall. But there are other, unwritten rules of conduct and decency that generally are followed, too. These kinds of rules are often assumed and not always communicated. To add to the mystery, often each organization has a unique culture and its own host of unwritten rules and expectations.

Learning the ropes: When looking at equity investments, there are two main analysis strategies: fundamental and technical. Fundamental analysis is used most often by looking at different financial ratios to determine whether the investment is a good value. Technical analysis looks primarily at trends and other trading ratios to determine whether a security should be bought or sold.

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ELDER LAW Planning the journey: Estate planning for seniors is perhaps most appropriately viewed as mapping the elder care journey. Aging is not a disease, it is not a battle, it is not a death sentence; it is a new kind of journey both for the client and their loved ones. There may be wills and trusts that were put in place earlier in life, but the changing conditions brought by age – perhaps memory loss, perhaps physical limitations – may require consideration of what should happen in the case of sickness and/or incapacitation. Page 7

ACHIEVEMENTS

Shawnee Community College................ 9

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. Make sure you check out our newest Faces in the News collection of business portraits and learn more of the achievements and honors in regional 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.

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 2013 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.

SIU Credit Union .............................. 3, 8

Southern Illinois Healthcare................ 20

Pages 14-15

Southern Illinois University ................ 16

ON THE COVER Trooper David Sipe rides his motorcycle through the rows of bikes at Black Diamond Harley Davidson for a news conference March 27, 2013 in Marion. The Southern File Photo

Publisher: Bob Williams 618-351-5038

Southern Illinoisan. Contact us via mail at 710 N. Illinois Ave., Carbondale, IL 62901, or at P.O. Box 2108,

Pepsi MidAmerica .............................. 13

Page 12

John A. Logan College ........................ 18

Editor: Gary Metro 618-351-5033 Advertising: Mark Dynis 618-351-5815 Design & Layout: Rhonda May 618-529-5454, ext. 5118

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JANUARY 2014

SOUTHERN BUSINESS JOURNAL

Cover Story 2014 heralds new challenges, opportunities for local businesses BY DEB SAUERHAGE SBJ CORRESPONDENT

A new year means new challenges and opportunities for local businesses. “It’s difficult to say if 2014 will be a better year,” said Tom Welge, vice president of technical sales for GilsterMary Lee in Chester. “We’re affected by challenges in customers, suppliers and the workforce.” Gilster-Mary Lee, which has been in business since 1895, has 1,800 employees in Southern Illinois and more than 4,200 throughout the United States. “The economy is still in a stall,” Welge said. “The food industry is a very tough industry with low profit margins.” SEE COVER / PAGE 4

SBJ FILE PHOTO

Black Diamond Harley-Davidson owners Rodney Cabaness (left) and Shad Zimbro announced the dealership will donate $10,000 to help stock local food pantries during an event at the 2011 Du Quoin State Fair.

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JANUARY 2014

Cover Story FROM PAGE 3 Challenges range from the Food and Drug Administration changes to distribution. “Some of the challenges we face are uncertainties and increasing burdens of changes in the regulatory environment in both state and federal arenas,” Welge said. Like many other businesses, GilsterMary Lee is also face rising insurance costs for employees. “We try to source our insurance as competitively as we can; unfortunately, we’ve had to pass along some costs to our employees,” he said. Employee insurance is also on the mind of Jamie Hayes, vice president at Jim Hayes Chrysler, Dodge, Jeep and Ram in Harrisburg. “We have always given insurance to all our employees and offer 401(k) and profit sharing,” Hayes said. “This insurance thing is a really big concern. With the new laws that have gone into effect, who knows where the price is going to skyrocket to? But it’s something we will have to live with.” Watching the bottom line is important. “As far as challenges go, managing expenses seem to always be a challenge that affects all businesses,” Hayes said. “It seems that the cost of everything seems to always be rising.” Hayes said the company is positioned for the future. “We are very fortunate to be in a business that always has ample opportunities for growth,” he said. “As a company, we have very little turnover, so we really feel like all the training and experience over the past years is keeping us ahead of the game.” Hayes also cited the product line’s great sales growth within the last few years. “The economy as a whole seems to be headed the right direction,” he said. “We feel as long as we continue to take care of our current customers the way we have for the past 36 years, and expand our customer base, the future looks very promising. We have had some of our best years in business from 2008 through the present, and I think that a big challenge for us is to continue to see that yearly growth.” This last year has been successful for

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Gilster-Mary Lee, which has been in business since 1895, has 1,800 employees in Southern Illinois and more than 4,200 throughout the United States.

Rodney Cabaness, co-owner of Black Diamond Harley-Davidson in Marion. Cabaness says he is optimistic about 2014. “Coming off of a great 2013, we are looking forward to a great year,” he said, but with a new year come changes. “Over the last six years that we have been in business, we have sold over 10,000 motorcycles and done business with more than 65,000 customers, and it seems like the only thing that has remained constant is the fact that things keep changing and, therefore, we continue to evolve.” Black Diamond Harley-Davidson is evolving with greater online presence. “We have even hired an extra person for 2014 to help us focus more on what customers are looking for in terms of online content,” he said. Cabaness said another one of the company’s goals is to continue to grow as a tourist destination. “Over 60 percent of our motorcycle sales come from people traveling 70 miles or greater to buy from us,” he said. “We feel like it is a great opportunity not only for us, but also all of the supporting

businesses such as restaurants and hotels, to gather some extra business.” That business will be appreciated in the area of tourism, which is a major player in the local economy, according to Cindy Cain, executive director of Southernmost Illinois Tourism Bureau. “Our booming tourism industry in southernmost Illinois continues to create opportunities for growth and expansion for spin-off businesses such as lodging, shops and restaurants, to name a few,” Cain said. John Nimmo, owner and managing broker for Southern Real Estate Group in Carbondale and Anna, said he expects interest rates to continue to rise slowly and new construction sales to remain flat to slightly falling. He said he expects the distressed housing market will be slower. He looks for people to find housing to better fit their needs. “The move-up market will grow as people wish to expand into larger homes as their families’ needs change and retirement housing will be positive, based on retirees moving into the Southern Illinois area due to our low

cost of living and their willingness to “right size” their lifestyles,” Nimmo said. “The overall expectation is very positive as the numbers for 2013 increased, and that would be the expectation continuing into 2014.” Consumer confidence remains key. “Challenges to the Southern Illinois real estate market would be represented by employment downturns or cutbacks by the state of Illinois, including lack of adequate funding to state institutions and the recent state of Illinois pension revisions, as well as difficulty in the Affordable Care Act having a negative effect on consumer confidence,” Nimmo said. “In addition, new banking regulation federally may have an effect on housing costs and the ability to close on real estate transactions as quickly as has been done in the past.” The banking industry also faces the uncertainty of new regulations. “It is a tremendous challenge to cope with the new regulations and continue to serve our customers as they deserve to be serviced,” said Bob Bleyer, president of The Bank of Carbondale. New rules will affect those who are qualifying for mortgages and their ability to repay. “New lending regulations are very restrictive and will tie the hands of loan officers,” Bleyer said. “The processing will be longer and more cumbersome than I would want the customers to go through.” Agriculture is also facing new regulations. “Over-regulation is a challenge,” said Lindsay McQueen, Farm Bureau manager for Jackson and Union counties. McQueen noted that the economy of Illinois, a farm bill that is waiting to be passed, and the Renewable Fuel Standard are keeping the agriculture industry busy. “Then again, there are many opportunities,” she said. “Technology is always advancing, so who knows what 2014 could bring?” DEB SAUERHAGE is a correspondent for Southern Business Journal.

JANUARY 2014

SOUTHERN BUSINESS JOURNAL

Special Report Workplace etiquette 101 BY ANGELA HOLMES-YOUNG SBJ CONTRIBUTOR

It’s an exciting time in the workplaces of today as we see four generations working together in the same organizations. Changes in technology are Holmes-Young happening faster than most can keep up with, and people of all ages continue to put in long hours at work. That causes many to spend more time with co-workers than their own families. More than ever, the need for basic workplace etiquette remains consistent as we all search for better ways to work together in an effort to get the job done. Many are aware of the rules and policies that govern today’s workplaces. They are typically in writing and posted on the wall, but what about the unwritten rules of conduct and decency? These kinds of rules are often assumed and not always communicated. To add to the mystery, oftentimes, each organization has a unique culture and its own host of unwritten rules and expectations. When starting a new job or joining a new organization, I recommend actually pulling one of the senior members aside and asking for guidance in this matter. Ask for those unwritten rules. For example, most companies have many unwritten rules that pertain and apply to the lunchroom/break room. Are some tables or chairs reserved for certain people at certain times? Should you wash your own dishes or leave them dirty in the sink? Does the fridge get cleaned out at a set time and everything including your lunch will be thrown away? These are all examples of unwritten items that are truly important. If you came in and took someone’s seat without knowing it, you could create an enemy at work that may follow you for your entire stint at that organization. Truthfully, the most important theme

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When starting a new job or joining a new organization, I recommend actually pulling one of the senior members aside and asking for guidance in this matter. Ask for those unwritten rules.

of workplace etiquette is the Golden Rule. Respect others and treat others like you would like to be treated. Do the right thing for the right reason. Try to make friends with the new kid. Cut others some slack because everyone has a bad day. Find common ground with someone even if all you can see are the ways that this person is different from you. Respect each other’s space and time. We all spend so much time at work these days that it can be hard to remember that we are not family even though we feel like it. Everyone at the office may not want to hear about your soap opera-style life or your story from last weekend at your friend’s winery tour. Always keep it clean.

Let me walk you through the four toughest workplace scenarios with some solid advice for each area. Your 2014 working year will be a breeze with my easy advice. Whether you are new to this or a pro, a good review cannot hurt.

The most important theme of workplace etiquette is the Golden Rule. Respect others and treat others like you would like to be General workplace etiquette tips treated. Do the right thing for the right reason. Smells. Be aware of your smells and

how they affect others. For example, the cologne you are dipping yourself in each morning may not be so pleasing to those working around you. Many are actually sensitive to smells, and when we all come in wearing our own colognes, perfumes, etc., it causes a collision of scents. Save your pricey scents for home

or for a night out. Food. Eat only what you yourself brought in. Don’t take anyone else’s food. If you consume someone else’s SEE SPECIAL / PAGE 6

SOUTHERN BUSINESS JOURNAL

JANUARY 2014

Special Report SPECIAL: Etiquette 101 — better ways to work together in an effort to get the job done FROM PAGE 5 food by accident, fess up. Leave a note and apologize like a grownup. Clean up after yourself. This applies to all common areas. Break rooms, bathrooms. Flush the toilet. Yes, I said it. Most likely, your mother does not work here. If she does, she does not want to clean up after you both at home and at work. Grow up and clean up after yourself. Wear appropriate clothing for the job. Wear appropriate underclothing. Do not wear shear items or inappropriate clothing for the workplace. If you truly do not know what you should wear to work, ask someone. You may ask your boss, a co-worker or human resources. Don’t harass or sexually harass anyone. I know you have been trained on this by now. No excuses here. What you say or do may offend others. Be responsible for yourself and your actions. If you smoke, don’t take advantage of the situation by taking extra smoke breaks. Take only the normal amount of breaks given to others. If you don’t smoke, feel free to take a break as well. Be respectful. Don’t be the person who never shuts up. Remember that a conversation is a two-way street. Talk and then be quiet and listen. Make some friends. Life is easier with friends. We all spend a lot of time at work, and your work life will be more enjoyable with a few people who are on your side. Have some fun. Not at the expense of someone else, though. Never tease or bully others. No one should have to feel uncomfortable at work.

Meetings

Be on time. Don’t be late. Make an effort to be punctual. Trust me, it gets noticed. Come prepared and ready to listen. Participate as needed. Different kinds of meetings require different levels of participation. Not every meeting is the appropriate place

for feedback. Some meetings require approvals, and others allow for discussion. Make sure you understand the purpose of the meeting that you are attending and act accordingly. Don’t chat with your neighbor, especially while others are speaking. Be respectful of the speaker. Don’t text in a meeting. Don’t pass notes. Don’t whisper. Don’t doodle. This is not junior high. Don’t take cell phone calls in a meeting. If you must take an emergency call, step out of the meeting to take the call. Remain focused and pay attention. Take notes to help you stay on track. I don’t mind if you take notes on your tablet or on paper. Take care of any items assigned to you in the meeting. Don’t leave the meeting without understanding what you are expected to do and when these items are due.

Lunches Working lunches are not just for fun. Understand the purpose of the lunch and stay focused. If the lunch is also part of a meeting, keep that in mind and behave accordingly. Never drink alcohol at a working lunch. Keep your food order similar to what others are ordering. If everyone else is ordering a sandwich, now is not the time to get a steak. Should you order dessert? Only if others do. Be aware of your table manners. Use your napkin. No belching. Eat slowly. Who pays? Whoever called the meeting should pay. If the meeting organizer told you up front that everyone is expected to pay for his own, then you should expect that. Keep conversation workplace appropriate. Just because you are out of the office, it doesn’t mean that you are free to speak about offensive things. This is still a workplace function. Feel free to chat, but work to ensure that the purpose of the meeting is fulfilled.

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Working lunches are not just for fun. Understand the purpose of the lunch and stay focused

Alcohol Alcohol really deserves a section all on its own. Alcohol can be so tricky to deal with, and truly it’s all about control. You control the alcohol and never let it control you. If you cannot do that and you know who you are, then you really cannot be around it. Many workplace functions involve alcohol, so you need to be able to be around it. Luckily, there are several ways to manage the situation, and, remember, you do not have to drink at all. If you are not comfortable saying “no thank you,” then in this one scenario you may tell a tiny white lie and say you are on an antibiotic and cannot drink. Here are a few strategies to employ that will allow you to manage the situation and/or slow down your drinking. Never do shots. Just say to your group very simply, “I never do shots.” Make this your mantra. They are dangerous, especially for those who do not do them. I know how it goes. Sometimes people will buy them for you anyway, even when you tell them not to. If they still buy it, I thank them and then walk down the bar and give it to someone who wants it. It’s very easy to give away a shot at a bar. Use the every-other strategy. One alcoholic drink and then one nonalcoholic drink. So, one gin and tonic

and then one straight tonic. This will slow you down. Same kind of glass, and no one has to know unless you want them to. You don’t have to make a huge deal about it. If you prefer to keep this to yourself, let the bartender in on it. Remember to tip your bartender. Eat something. Eat something. Eat something. Drink water. Don’t drive. Always have a designated driver, especially if this is a company function. Plan out rides, ride share or employ a driving service. You can always shut the bar down at a reasonable time as well. Be the professional. Find the professional high road and take it. You cannot go wrong in any situation. Wow, this sounds like no fun at all. You don’t want to be the person who doesn’t remember the night before. You don’t want to be the person who did something amazingly stupid in front of your colleagues or, even worse, a customer. ANGELA HOLMES-YOUNG is Southern Illinois’ own workplace guru, author and speaker. She is a Society for Human Resource Management-certified HR expert with more than 15 years of human resource experience in various industries. Her first book is due out early this year. She can be reached at ang_holmes@yahoo.com or 618-559-9399.

JANUARY 2014

SOUTHERN BUSINESS JOURNAL

Elder Law Adviser alert: Getting your clients’ ‘ducks in a row’ BY RICHARD HABIGER SBJ CONTRIBUTOR

As an adviser, you have helped your clients invest wisely, and, despite market hazards, your clients love the income and growth your sage advice has generated. You also referred your Habiger clients to attorneys who crafted good estate plans — good for the circumstances as they existed at that point in time. Now, however, your clients are growing older, and their estate plans may not be what they need at this point in their lives. When discussing estate planning for seniors, it is my practice to use the term, elder care journey. The concept of the elder care journey is just that. Aging is not a disease, it is not a battle, it is not a death sentence; it is merely a new kind of journey, both for the client and their loved ones. Every day of the journey should be focused on living and enjoying life with the highest quality permitted by the client’s resources. When a person is younger — 30s, 40s and even 50s — he or she probably will put some kind of estate plan in place (for example, wills and trusts, etc.) But, as time marches on, that person may begin to suffer from memory loss, or experience limited mobility or even Alzheimer’s. “What happens when I die?” is not the question the senior now needs to answer. Instead, the senior now needs to consider, “What happens if I don’t die, but instead become sick and need help?” In Southern Illinois, nursing home care may cost anywhere between $4,500 and $6,000 per month, possibly more if the senior has Alzheimer’s. Assisted and supportive living facilities may cost between $3,000 and $5,000 monthly. Care at home, depending on the extent of the care needed, can greatly exceed the cost of care in a nursing home. So, what do you, the adviser, need to

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When discussing estate planning for seniors, it is a practice to use the term, elder care journey. The concept of the elder care journey is just that. Aging is not a disease, it is not a battle, it is not a death sentence; it is merely a new kind of journey both for the client and their loved ones.

know about the elder care journey in order to be prepared to help your older clients as they travel the road that is their life’s journey? What do you need to know in order to help your older clients get their “ducks in a row” as they move on down the path of life? There are three stops along the elder care journey.

Stop No. 1: The healthy, active senior At this stop, your clients are likely using Medicare or private health insurance to pay for the treatment of any health-related problems. If you have not already done so, you should consider advising your clients to purchase longterm care insurance in the event they should later require assisted living or nursing home care, and particularly if they would like to be cared for at home. Moreover, it is extremely important

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that all of your clients properly plan their estate with a trust (to avoid probate) and financial and medical powers of attorney in order to avoid a court-supervised guardianship that could result if a medical condition developed.

Stop No. 2: The declining senior Once your client or spouse enters an assisted living facility or requires athome care, the situation needs immediate attention. The following are critical fact-patterns to which you ought to be attuned so that, when they arise, you can react quickly to refer your client or their family members to a knowledgeable and experienced elder law attorney in order to maximize the

opportunities to provide a good outcome if: Your client or loved one is in a care facility or will enter a care facility within the next year. Your client or loved one has a debilitating disease such as Alzheimer’s or dementia. Your client has a child acting as caregiver and the client or spouse is paying the child for his or her services. Your client is a wartime veteran or a surviving spouse of a wartime veteran with high living expenses. Your client is a healthy senior who wants the peace of mind that comes from getting all of his or her “ducks in a row.” At this second stop along the elder care journey, there is still the option of privately paying for care; but, with rising costs of care, this may not be practical or a long-term solution. SEE ELDER LAW / PAGE 9

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JANUARY 2014

SOUTHERN BUSINESS JOURNAL

Elder Law ELDER LAW: Getting your ‘ducks in a row’ FROM PAGE 7

Long-term care insurance may still be an option, but it is much harder to qualify medically once your client has entered a care facility. For your clients, who are wartime veterans, and their spouses (or widows), there is money available if they qualify for veteran’s benefits. In order to qualify, your clients must meet financial qualifications concerning their income and assets, length and dates of service, and type of discharge. For clients who qualify, married veterans can receive more than $2,054 per month, a single veteran is entitled to $1,732 per month, and the surviving spouse of a veteran can receive $1,113 a month. To have the best shot at qualifying for these VA benefits, it is extremely important that your client consults with an elder law attorney who is accredited by the Veterans’ Administration to handle VA claims on behalf of veterans. As your clients’ adviser, you may need to assist in rearranging your clients’ financial affairs so that they can be made financially eligible for the VA benefits to which they are entitled by reason of their sacrifices on behalf of this country. Moreover, depending upon the facts of the case, the clients may need a special type of annuity.

Stop No. 3: The fragile senior

Once your client enters a nursing home, private pay becomes very impractical with costs averaging more than $5,000 per month in most cases. An application for Medicaid benefits to help pay this astronomical monthly cost is critical, in most cases, at this stage. Medicaid has very strict rules for applicants, including asset limits, limits on gifting to relatives and charities, and, if married, limits on how much income the spouse at home can receive. Despite all the restrictions, it is possible to qualify for Medicaid with expert assistance, strategic planning and advanced techniques. Also, it is important to consider your client’s estate plan. If your client receives Medicaid benefits, the Illinois

In Southern Illinois, nursing home care may cost anywhere between $4,500 and $6,000 per month, possibly more if the senior has Alzheimer’s. Department of Human Services will place a lien on your client’s real estate. (While a homestead occupied by a spouse is not subject to a lien, a lien will be placed on the home if the spouse dies or moves to another location.) Moreover, the government will try to recover all Medicaid benefits that were paid on behalf of nursing home residents. A good way to avoid estate recovery is for your clients to have an irrevocable trust, with no traps, as a part of their estate plan. (Note: a traditional revocable living trust is important for probate avoidance, but will not protect the home or other assets put into that type of trust from Medicaid estate recovery if the goal is Medicaid qualification.) On the other hand, you need to clearly understand that a poorly drafted irrevocable trust may not protect your client’s home, farm, investments or other trust assets. The bottom line is this. Get your clients to an elder law attorney who can provide assistance throughout their elder care journey. No matter where your clients or their loved ones are on the elder care journey, it is important to seek professional help from a qualified elder law attorney each step of the way. Whether it is to protect assets from nursing home expenses or to plan their estate, it is very risky to address these situations without expert assistance. 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 618-549-4529 or info@HabigerElderLaw.com.

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JANUARY 2014

Money Matters Marriage has financial implications BY SCOTT MCCLATCHEY SBJ CONTRIBUTOR

Marriage affects your finances in many ways, including your ability to build wealth, plan for retirement, plan your estate and capitalize on tax and insuranceMcClatchey related benefits. There are, however, two important caveats. First, same-sex marriages are not legal in most states, but they are recognized by the federal government. Second, a prenuptial agreement, a legal document, permits couples to keep their finances separate, protect each other from debt, and take other actions that could limit the rights of either partner.

Building wealth If both you and your spouse are employed, two salaries can be a considerable benefit in building longterm wealth. For example, if both of you have access to employer-sponsored retirement plans and each contributes $17,500 a year to a 401(k), as a couple you are contributing $35,000, double the maximum contribution of an individual ($17,500 for 2013). Similarly, a working couple may be able to pay a mortgage more easily than a single person can, which may make it possible for couples to apply a portion of their combined paychecks for family savings or investments.

Retirement benefits Some (but not all) pensions provide benefits to widows or widowers following a pensioner’s death. When participating in an employer-

sponsored retirement plan, married workers are required to name their spouse as beneficiary unless the spouse waives this right in writing. Qualifying widows or widowers may collect Social Security benefits up to a maximum of 50 percent of the benefit earned by a deceased spouse.

Estate planning Married couples may transfer real estate and personal property to a surviving spouse with no federal gift or estate tax consequences until the survivor dies. But surviving spouses do not automatically inherit all assets. Couples who desire to structure their estates in such a way that each spouse is the sole beneficiary of the other need to create wills or other estate planning documents to ensure that their wishes are realized. In the absence of a will, state laws

governing disposition of an estate take effect. Also, certain types of trusts, such as QTIP trusts and marital deduction trusts, are restricted to married couples.

Tax planning When filing federal income taxes, filing jointly typically results in lower tax payments when compared with filing separately.

Debt management In certain circumstances, creditors may be able to attach marital or community property to satisfy the debts of one spouse. Couples wishing to guard against this practice may do so with a prenuptial agreement.

SEE MONEY MATTERS / PAGE 17

Investments Taking a look at technical analysis BY MICHAEL P. TISON SBJ CONTRIBUTOR

There are two main analysis strategies to look at equity investments, fundamental and technical analysis. Fundamental analysis is used Tison most often by looking at different financial ratios to determine whether the investment is a good value. Technical analysis looks primarily at trends and other trading ratios to determine whether a security should be bought or sold.

‘Chartists believe there is momentum in the market. Supposedly, stocks that have been rising will continue to do so, and those that begin falling will go on sinking.’ BURTON MALKIEL AUTHOR OF ‘A RANDOM WALK DOWN WALL STREET’

I would like to share with you some opinions on technical analysis today. Technical analysis is often thought of

as looking at the charts of a particular stock, mutual fund or most any investment. Technical analysts often track stocks and compare them to their range and look for any breakouts on the upside to buy or on the downside to sell. Some look at an investment and look at it compared to its average price. Some technicians might use a 15-day moving average to monitor short-term price changes; some might use a 50-day or even 200-day moving average to determine longer-term price trends of a stock. Technicians think that when an investment moves above or below its moving average, it calls for a trend that should be followed. This is really looking at nothing more than the

momentum of price changes in an investment. Other tools of technical analysis are to look at volume. Volume refers to the number of shares purchased and sold, usually during a day. This can help measure market sentiment. If there is a large price change with a lot of volume, it can mean that there is a lot of conviction and agreement on the trend of the investment. Benjamin Graham, the father of value investing and author of “The Intelligent Investor,” thinks that investors who primarily use technical analysis as a timing method are falling into a short-term bias of investing. SEE INVESTMENTS / PAGE 17

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JANUARY 2014

Achievements Architectural firm recognizes Henke, Jones

Faces in the news

Henke

Jones

Lambert

Hannah E. Henke and Jarus K. Jones, both with h. michael bohnsack ARCHITECTS in Carbondale, have been recognized for their achievements. Henke, an interior designer, has passed the Green Building Certification Institute examination to earn the LEED AP Building Design and Construction Credential. LEED professionals are knowledgeable on the most current green building principles and practices, and they are accredited to administer building projects through the LEED certification process. Jones, a project architect, has passed the National Council of Architectural Registration Boards examination. A licensed architect, he recently was granted licensure in the state of Illinois.

Lambert attends financial advisors forum Pelligrini

Davis

Marsh

Heuman

Wilson

Sievers

Ely Lambert of Marion, a Modern Woodmen of America representative, has completed a five-day educational program at Modern Woodmen’s home office in Rock Island. The program focused on comprehensive financial services for families and small businesses. Using a computer software program, participants studied the impact of social security benefits and inflation on financial plans. In addition, attendees learned the benefits of incorporating mutual funds and variable products, where appropriate, when evaluating financial needs and goals.

Pelligrini to retire from Personal Finance

Hudgins

Gooden

Farmer

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

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Louise Pelligrini, manager of Personal Finance Company in Pinckneyville, will retire at the end of this year. Pelligrini has worked more than 42 years for Personal Finance Company and nearly 48 years in the consumer finance business. During her career, she has received the Merit Manager Award from the National Consumer Finance Association and enjoyed the benefits of being named to the company’s President’s Club.

Martin selling for Tastefully Simple Rose Martin of Herrin has begun working as an independent consultant with Tastefully Simple, Inc., a national, direct-sales company featuring more than 60 easy-toprepare foods. As an independent business owner, Martin offers food samples at home taste-testing

parties, along with ideas for easy, everyday meals, Tastefully Simple features open-andenjoy products and meals that can be prepared by adding only one or two ingredients. Martin can be reached at 618-944-0487 or rose2u@ymail.com.

ONB names two to leadership group Mark Bradford, CEO of Old National Bank’s north central region, and Ken Ellspermann, president of Old National Investments, have been promoted to Old National’s Executive Leadership Group, which is comprised of the bank’s senior-most leaders and responsible for helping to shape all company policy.

Marsh joins Associated Psychotherapists Associated Psychotherapists in Herrin has hired a new therapist, Daniel Marsh, a licensed clinical professional counselor with 30 years of experience. Marsh provides psychotherapy and treatment of depression, anxiety, grief and Attention Deficit Disorder, along with couples counseling, family therapy and stress management. He uses a combination of cognitive behavioral therapy and compassionate communication training as his methods of therapy. Marsh can be reached at 618-988-1757.

Wilson named director of Sylvan Learning Center Jennifer Wolaver Wilson of Marion, a former Southern Illinois educator, has been named director for Sylvan Learning Center in Carterville. She oversees operations and services in the Southern Illinois region for the education company. Sylvan Learning Center offers tutoring, homework help, study skills, SAT/ACT test prep and more. Learning programs for all grades and skills levels are available. The Carterville branch is at 402 E. Plaza Drive, Suite. 2. For more information, call 618-985-4519 or visit sylvanlearning.com.

Davis named LEED green associate Colton Davis, project manager with Baysinger Architects in Marion, has passed his certification test to become a LEED green associate. LEED credential holders are knowledgeable on the most current green building principles and practices. Davis has been with Baysinger Architects for three years. His expertise includes commercial and LEED-related architectural projects. He is an SIU graduate.

JANUARY 2014

SOUTHERN BUSINESS JOURNAL

Achievements CTS receives industry’s top award

financial representatives who are dedicated to clients, adhere to NAIFA code of ethics and pursue ongoing CTS Technology Solutions, a leading education efforts. Eaton serves clients unified communications provider with from his office at 1701 N. Market St., corporate headquarters in Sparta, and offices in Carterville, Cape Girardeau and Suite 4, in Sparta. He can be reached at 618-443-2174. St. Louis, recently received the

Presidents Award for Exceptional Economic Achievement from Technology Assurance Group. Dave Heuman is CEO/president of CTS. TAG, an international organization of independently owned unified communications companies in the United States and Canada, selected CTS as the winner of this award for the fifth year. CTS received the recognition during an awards ceremony attended by TAG’s member companies and leading technology manufacturers.

The Vape Shop opens in Carbondale

The Vape Shop recently opened at 606 S. Illinois Ave., Suite. 3, in Carbondale. The shop features electronic cigarettes and offers 30 flavors of E-juice, the liquid that contains the nicotine and flavor. Business hours are 10 a.m. to 7 p.m. Monday through Friday and 10 a.m. to 5 p.m. Saturday. For more information, call 618-559-1976.

Holiday Travel agent to market cruise line

Judy Carr of Benton, a travel agent and cruise counselor for Holiday Travel, recently returned from a 10-day cruise to the South Pacific, aboard the MS Paul Gauguin. The Paul Gauguin Cruise Line sent her on the cruise so that she could better market the vacation getaway. The cruise line has once more been named one of the world’s best small ships by Condé Nast Publications. Carr can be reached at 618-218-0439.

Eaton receives Multiline Quality Award

SI Elder Law moves to new location SI Elder Law, LLC has moved to 1100 W. Boulevard in Marion. The firm provides Medicaid and VA benefits planning, along with trust and estate planning. Assistance with elder abuse cases, disability, adult guardianships and probates also is available. Owned by elder law attorney Tiffanny H. Sievers, the firm has been in business five years in Marion. For more information, call 618-997-3500 or visit www.sielderlaw.com.

Hudgins named president-elect Tom Hudgins, CEO of Pinckneyville Community Hospital District, was named president-elect of the Illinois Critical Access Hospital Network at its annual member meeting Nov. 6 in Springfield. Hudgins has served as CEO at Pinckneyville Community Hospital since 2002. Involved in health care administration and consulting since 1969, he has worked in rural health care for more than 25 years and served as a hospital CEO for more than 20 years.

Gooden elected treasurer of AIA chapter James Gooden, project architect with Baysinger Architects in Marion, has been elected treasurer of the Southern Illinois chapter of the America Institute of Architects. Elected for the 2013/2014 term, Gooden starts the position Jan. 1. He has been with Baysinger Architects for the last 18 months. His expertise includes commercial and public housing and LEED-related architectural projects.

Country Financial representative Stephen Eaton of Sparta received the VNA-TIP HealthCare recognized Multiline Quality Award for helping MARION — VNA-TIP HealthCare has clients achieve financial security. The MQA is presented annually by the been named a top agency of the 2013 HomeCare Elite, a recognition of the National Association of Insurance and Financial Advisors. The award recognizes top-performing home health agencies in

the United States. Now in its eighth year, the HomeCare Elite identifies the top 25 percent of Medicare-certified agencies and highlights the top 100 and top 500 agencies overall. Winners are ranked by an analysis of publicly available performance measures in quality outcomes, best practice (process measure) implementation, patient experience (Home Health CAHPS), quality improvement and consistency, and financial performance.

Local water tank to appear in calendar Municipal water tanks in Mount Vernon, Brookfield and Silvis are among the 12 finalists selected to appear in the annual Tank of the Year calendar published by Tnemec Company, Inc. For the first time, Tnemec opened up the contest vote to the public, placing more than 200 eligible water tanks on a website. The public narrowed the search down to the 12 finalists from which the 2013 Tank of the Year in the city of Mount Vernon was selected by Tnemec’s panel of water tank enthusiasts. Other tank entries, listed in alphabetical order, were from Albany, N.Y.; Dayton, Ohio; Grove City, Ohio; Lincoln, Neb.; Perham, Minn.; Queensville, Ontario, Canada; Randolph, Neb.; Union Grove, Wis.; and White House, Tenn.

Baptist Health earns national attention Stroke care at Baptist Health Paducah has received a national quality award from the American Heart Association/American Stroke Association for the third consecutive year. The Get With the Guidelines—Stroke Gold Plus Quality Achievement Award recognizes the hospital’s commitment and success in meeting national guidelines for stroke care.

Farmer earns CCIM designation Scott A. Farmer, broker/owner of Farmer & Company Real Estate, with offices in Metropolis and Paducah, has earned the Certified Commercial

Investment Member designation from CCIM Institute, one of the leading commercial real estate associations in the world. The CCIM designation is awarded to commercial real estate professionals upon completion of the graduatelevel core course curriculum and attainment of a qualifying level of experience. CCIMs are recognized experts in commercial real estate brokerage, leasing, asset management, valuation and investment analysis.

Company expands product lines Building Services Supply Company in Murphysboro has added another top-ofthe-line product to its extensive equipment inventory. Debi Naegele, president of BSSC, announced that Dyson upright vacuum cleaners are now available on the sales floor, and BSSC’s factory authorized service center is now offering warranty repair.

TLC awarded national accreditation TLC Child Care Center has been awarded accreditation from the National Accreditation Commission for Early Care and Education Programs. The child care center on Illinois 13, at the eastern edge of Carterville, has provided child care and therapy services for children since 1994. It is licensed by the Department of Children and Family Services for children ages 15 months through 11 years.

Upcoming 2014 Workshops Start the New Year by Starting a Business in Illinois This two-hour informational seminar covers the basic requirements of starting your own business including: legal structure, start-up requirements, finding financing and business planning basics. A business start-up kit, included with the class, features the following materials: a business start-up checklist, the presentation slides, financing questions and answers packet, a sample business plan, federal and state tax identification applications, and more. The kit is available in both print and electronic format. Registration for the seminar is $15.

Get Your Business Noticed—

Worldwide

JAN. 9 ..............THURS .........5 PM – 7 PM .................. DUNN-RICHMOND ROOM 150 JAN. 21 ............TUES............9 AM – 11 AM.....JOHN A. LOGAN COLLEGE WORKFORCE DEVELOPMENT BUILDING, ROOM H126 FEB. 12............WED.............2 PM – 4 PM .................. DUNN-RICHMOND ROOM 150

To register or for information, call 618-536-2424 or go online at siusbdc.com. Pre-registration is required.

Workshops to Help Your Business Grow in 2014 Search Engine Optimization Anymore just having a website isn’t enough; your website has to be found. Jason Sigler of Highline Ideas will share tips and tricks for making sure your online presence shows up in search engines such as Google, Yahoo and more. JAN. 15 ............WED.............8:30 AM – 9:30 AM ....... DUNN-RICHMOND ROOM 241

Past Due! One of the keys to business revenue is making sure your customers pay you. Justin Halteman of United Adjustment Service will teach business leaders how to keep accounts current and to encourage payment from clients who may be a little late. FEB. 5..............WED.............8:30 AM – 9:30 AM ....... DUNN-RICHMOND ROOM 241

Nuts and Bolts of Constant Contact Following up on his popular Business Builder Breakfast workshop on email marketing this fall, Tom Harness of Harness TechED will teach how one emailing program actually works. FEB. 19............WED.............8:30 AM – 9:30 AM ....... DUNN-RICHMOND ROOM 241

How Can I Get My Business To An International Trade Show? Wednesday, January 29, 2014 The Illinois Office of Trade and Investment will present many ways to get your business noticed worldwide. Technical assistance, as well as financial assistance, is available through the ISTEP program. This program can assist Illinois companies with trade shows, B2B matchmaking, Gold Key Service, exploring new export markets, finding distributors, and product compliance. Hurley Myers, Founder and CEO of DxR Development Group in Carbondale, will also be on hand to explain how he has used trade shows to begin exporting his software into multiple other countries. Please join us for lunch afterward. Registration is free; however, RSVP is required by January 24.

To register or for information call 618-536-2424 or go online at siusbdc.com

To register or for information, call 618-549-2146 or go online at carbondalechamber.com. Pre-registration is required. Business Builder Breakfast workshops are co-sponsored by the ISBDC

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

JANUARY 2014

SOUTHERN BUSINESS JOURNAL

MONEY MATTERS: Finances INVESTMENTS: Taking a look at technical analysis FROM PAGE 12

FROM PAGE 12

Family matters

He stated, “We are equally sure that if he places his emphasis on timing, he will end up as a speculator and with a speculator’s financial results.” Burton Malkiel, author of “A Random Walk down Wall Street,” was even more skeptical of technical analysis. Malkiel stated, “Chartists believe there is momentum in the market. Supposedly, stocks that have been rising will continue to do so, and those that begin falling will go on sinking.” He goes on, “These technical rules have been tested exhaustively by using stock price data on both major exchanges going back as far as the beginning of the twentieth century. The results reveal conclusively that past movements to stock prices cannot be used to foretell future movements. The stock market has no memory. The

Marriage may enhance a partner’s ability to collect financial support, such as alimony, should the relationship dissolve. Although single people do adopt, many adoption agencies show preference for households that include a marital relationship. The opportunity to go through life with a loving partner may be the greatest benefit of a successful marriage. That said, there are financial and legal benefits that you may want to explore with your partner before tying the knot. 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@allianceinvest mentplanning.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.

Find more business news at www.sbj.biz. central proposition of charting is absolutely false, and investors who follow its precepts will accomplish nothing but increasing substantially the brokerage charges they pay.” What has happened more recently is that portfolio managers continue to use their fundamental analysis for positions and to also make sure their asset allocation is appropriate for themselves or their clients. However, it doesn’t hurt to keep an eye on technical analysis a little though. Technical analysis works until it doesn’t.

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Note: 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. Investing involves risk, and you may incur a profit or loss regardless of strategy selected. Any opinions are those of Michael 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 618-253-4444.

JANUARY 2014

SOUTHERN BUSINESS JOURNAL

Business Fine Print Building permits

Mr. Jecc, LLC, 2120 Hortense, $3,000

West Frankfort Carbondale Gordon Plumb, 708 S. Emerald Lane, $2,500 E. Godinez and J. Mejia, 250 Kelly Rae Lane, $60,000 Muhammad Isa, 2950 Alveria Drive, $50,000 Home Rentals, 504 S. Beveridge St., $1,500 Sigma Pi Beta Nu, 403 W. College St., $20,000 Amelia Sobery, 505 W. Pecan St., $2,500 Patricia Goodman, 1107 W. Walkup Ave., $500 Selective Site Consultants, 300 S. Marion St., $50,000 Southern Illinois Healthcare, 1237 E. Main St., $72,500 Collectibles and Things, 1301 W. Main St., $5,000

Marion

Comfort Inn and Suites, 1306 Halfway Road, $796,000 E and S Construction, 911 Boston Ave., $80,000 E and S Construction, 914 Boston Ave., $80,000 Steve Seever, 1706 Felts Drive, $288, 334

Metropolis Nancy Carrell, 410 Frelinghuysen St., $1,000 Danny Ogle, 2300 North Ave., $30,000 Related Companies, LLC., 40 Lois Lane, New York, N.Y., $1,100,000 Gerald Skees, 916 Vienna St., $1,141,300

Mount Vernon Kirlin’s Hallmark – Times Square Mall, 417 S. 42nd St., $150,000 Gallery 223 – Kip Bauer, 120 S. Ninth St., $160,530 Dollar General, 1310 Salem Road, $6,813 Dollar General, 1310 Salem Road, $600,000 Archway RV Park, 9746 Illinois 15, $1,630 Archway RV Park, 9746 Illinois 15, $1,947 Joy Global, 4111 N. Water Tower, $7,850 Wendy McClanahan, 825 Newby, $0 Magnum Steel, 200 Shiloh Drive, $10,000 Vaporz, 604-C S. 42nd St., $1,500 Asian Buffet, 415 S. 42nd St., 419, $165,000 Country Financial, 2511 Broadway, $1,890 Mount Vernon Eye Care – Times Square Mall Remodel, 3917 Broadway, $67,284 Tyler Jefferson Motors, 200 S. 45th St., $16,861 Vanex, Inc., 1700 Shawnee, $20,281 William Cook, 101 McCauley Road, $961 Central Church, 324 N. 12th St., $0 Guy Henry, 625 S. 12th St., $0 Ryan Lynch, 623 N. 12th St., $4,200 Krazy Klowns, various locations, $0

Murphysboro Lana Agnew, 604 S. 23 rd St., $2,122 Chris Grither, 104 E. Walnut St., $2,600 Adam Beck, 142 Ruble Drive, $5,000 Todd Pierson, 114 S. 14th St., $100,000 Randy Wood, 909 N. Sixth St., $6,350

David and Cherri Horsley, 116 N. Benton Road, $26,000

Bankruptcies Chapter 7 Jared Duane and Jamie Lynn Hines, 6799 New Hope Road, Belknap John Richard Murrell, 1940 Stephens Road, Carbondale Steven Michael and Lynn Ann Murphy, 1065 County Road, 2050 North, Rinard Daniel I. Russell, 2556 Peacon St., Thompsonville Warren E. Motsinger, 706 E. Mohan, Carterville Jenifer Ryan Reeder, 4020 Mount Shelter Road, Vienna Kathy J. Underwood, 203 N. 10th St., Vienna Melvin L. and July K. Yates, P.O. Box 687, Carrier Mills Tammy L. Pugh, P.O. Box 585, Brookport Sharon K. Melvin, 1813 W. Cherry, Herrin David Williams Jr. and Joevaughn A. Williams, 169A Tippy Road, Murphysboro Jeffery D. and Carrie A. Ward, 2100 Ridge, Eldorado Vance L. Hodge, 912 W. 4th St., Johnston City Angela A. Keener, 409 S. 20th St., Murphysboro Earl W. Stowers Sr. and Jo Ann Stowers, 3523 U.S. 51, Du Quoin Christopher Allan Ragan, 4183 Blackbird, Mulkeytown Kevin E. and Kasey R. Smith, 407 E. Main St., McLeansboro Cynthia L. McSparin, 740 Illinois 145 South, Harrisburg Robert W. and Jan A. Kast, 20 Tucker Lane, Anna William Perry Mathis, 313 Orchard St., Zeigler Melissa Grace Chapman, 23997 N. Buchanan Road, Dix Jonathan P. Mitchell, 1102 E. Oak, West Frankfort Danny Joseph Bourey, 405 W. Oak St., Buckner Jimmy D. Lacy, 302 S. Newton St., Buckner Alvin L. and Leanne L. Anselment, R.R. 2, Box AA, Dahlgren Mary E. Hamilton, 307 E. Cross St., Dongola Jerry L. Wolfe, 17235 E. Knox Road, Mount Vernon Sara M. Eudy, 1226 Delmar St., Harrisburg Halley J. and Tracy S. O’Dell, 500 S. Walnut St., Sparta Carol J. Jermyn, 5654 Delmar, Unit 304, St. Louis Lori A. Domineck, 120 Prairie, Zeigler Donald L. Collier Jr. and Monica R. Collier, 1704 N. Fair St., Marion

Paul M. Saylor, 245 S. Oak, Bonnie Brian R. Traci N. Millette, 1635 Lakeshore Drive South, Goreville Michael R. Humphrey, 2468 Rose Lane, West Frankfort Dire Jones Jr. and Marilyn Sue Jones, 4844 N. Nason Lane, Bonnie Mason L. and Jackie D. Coffey, 308 Florence Drive, Ellis Grove Jacqueline M. Kelly, P.O. Box 126, Tilden Christopher R. and Brandy D. Girtman, P.O. Box 691, Jonesboro Alex Shaw, 1610 Pine Ave., Johnston City Ashley D. Tanner, 1514 Russell Road, West Frankfort William Wayne and Julie Ann Holley, 1905 Market St., Metropolis Karl E. and Crystal M. Diecker, 4497 Lincoln Road, Oakdale John M. and Samantha A. Tilley, 429 E. Park St., Du Quoin Marilyn A. Chrostoski, 2906 N. Park Ave., Herrin Glynn F. Beegle, P.O. Box 152, Mounds Shirley Jannette Veatch, P.O. Box 84, Enfield Tina M. Brown, 310 S. Marshall Ave., McLeansboro Robert L. Hanke, 4 Trail Lake, Du Quoin Leatha Barber, 1201 N. McLaren St., Apt. B, Marion Richard O. and Rebecca A. Sinclair, P.O. Box 91, Gorham Nakota G. and Kimberley D. Teeling, 1305 N. State St., Marion Meghan L. and Alexander C. Haglund, 5392 Illinois 127, Nashville Dorothy L. Mueller, 5520 First St., Mulkeytown Brittany C. Freeman, 14172 Binkley St., Johnston City Raymond Tucker, 421 Forest Ave., Mount Vernon

Chapter 13 Michelle L. Mocaby, 412 Grand St., Benton Stephen K. Musk and Nancy M. Gully, 504 N. Parkhill St., West Frankfort Larry D. and Dawn M. Ernst, 4966 W. Illinois 13, Pinckneyville Denise A. Hobbs, P.O. Box 753, Murphysboro John K. Harland Jr., 735 W. Harrison St., Murphysboro Michael Dean Proctor II and Stacy Jo Winninger Proctor, 304 E. Winters, Du Quoin Rita J. Plasters, 206 S. Stuyvesant St., Benton Kimberly J. Wilkerson, 506 Baggott St., Zeigler Victor K. Leber, 14900 Old Ben Road, Sesser Angelic S. Davis, P.O. Box 86, Tamms Katina M. Reed, P.O. Box 142, Mound City Tamika K. Rock, 303 S. Musselman St., Du Quoin Jams M. Simpson Jr. and Katina L. Simpson, P.O. Box 233, Mount Vernon

Leslie I. Stoops Sr., 1681 Finney Road, Murphysboro Stacey L. and Regina V. Ayers, 801 E. Main St., Steeleville Jason M. and Kasei R. Kuhns, P.O. Box 44, Irvington James M. and Heather C. Scott, 1200 Reynoldsburg Rd., Tunnel Hill Buddy R. and Rochelle K. Hopson, 1506 E. Boyton St., Apt. C, Marion Todd A. and Tammy S. Gerberding, 801 W. Illinois, Steelville Randell E. and Kathy A. Myrick, 646 Old Boaz Road, Karnak Judith A. Hastings, 215 N. Pine St., Benton Thomas A. and Kimberley D. Davidson, 583 Poplar Camp Road, Makanda Eric R. Wiseman, 14222 Fowler School Road, Marion Jared C. Laroe, 4509 G St., Mulkeytown Chris Romito, 1807 W. Cherry, Herrin David M. and Krystal N. Blazier, 715 Marshall St., Harrisburg Louis L. and Kimberly J. Dunn, 507 S. Texas, Harrisburg Shawn M. Sappington, 1605A Davis Ave., Johnston City Marcena Althoff, 103 E. Heacock St., Jonesboro Pamela J. Thompson, 45 Christian Chapel Road, Anna Melinda M. Cardwell, 6927 S. Forest Baptist Church Road, Benton Reuben B. and Betty J. Holleman, 2490 Bryant Road, West Frankfort Keith E. and Carol S. Sloan, 511 N. Madison St., West Frankfort Keith Dewayne and Laura Michelle Meier, 300 Williford Road, Jonesboro John D. and Lori A. McKeown, 803 E. St. Louis St., West Frankfort Ada F. Cain, 820 S. 16th St., Herrin Nicholas C. Taylor. 106 E. 5th St., Murphysboro Kathy A. Kays, 904 Oak St., Carmi Velma A. Hunt, 619 Elmwood, Cairo Sandra June Barton, 110 W. Mulberry St., Pinckneyville Genevieve Marie Henderson, 23565 Greg Hollow Road, Thebes Isiah D. Jackson, 121 Second St., Mounds Rhett Tyler and Cindy Ann Mathews, 1012 Election Drive, Benton Martin N. Spencer Jr. and Sarah A. Spencer, 606 S. Virginia, Marion Jennifer C. Stoops, 2238 Commercial Ave., Murphysboro Geoffery Craig Rose, 12931 N. Shorelane Drive, Marion Ryan J. Tellor, 1115 Body Barn Road, Anna David C. and Patricia A. Craig, 9250 Illinois 147, Simpson Delman Ray and Betty Ellen Elmore, P.O. Box 831, Brookport

convenient LOCATIONS

Center for Medical Arts

618-549-5361 Monday - Saturday • 8a-7p Sunday • 12p-4p 2601 W Main Street, Carbondale

Logan Primary Care Herrin

618-993-3300 Monday - Friday • 8a-9p Saturday • 8a-5p Sunday • 1p-5p 405 Rushing Drive, Herrin

Logan Primary Care West Frankfort

618-937-3400 Monday - Friday • 8a-6p Saturday • 8a-5p Sunday • 1p-5p 502 W St. Louis Street, West Frankfort