Southern Business Journal by The Southern Illinoisan

S O U T H E R N

Serving 18 Illinois counties • www.sbj.biz

HOME SALES HEAT UP Region’s economy driving the real estate market COVER STORY BEGINS ON PAGE 3

JUNE 2014

“One Region, One Vision” ™

Directory of Advertisers

Inside JUNE 2014

1st Bank & Trust ........................ 5

SPECIAL REPORT

ACHIEVEMENTS

The truth hurts: For success in a new business venture, there needs to be an upfront understanding that the road to a nasty business divorce begins with the dreaded words, “We’re friends, we have a great business idea and want the company to be a 50-50 partnership.” It sounds good, but no matter how close the budding entrepreneurs are, someone has to be the boss.

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. 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.

PAGE 5

WORKPLACE Traits of successful leaders: Individuality is possible for a top leader, but there are some characteristics common to the best. One is doing the right things for the right reasons, even when no one is watching. And just as important is understanding the importance of building, creating and maintaining personal relationships in which listening is a top priority.

PAGE 12

PAGES 14-15

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

Pepsi MidAmerica....................16

ENTREPRENEUR’S MAILBAG How to get it done: Lean manufacturing is a best practice for major employers, but the principles are useful for entrepreneurs, too. One of the keys in the lean movement is to see how quickly you can go from an idea to a developed and marketable prototype. A key skill is identifying a scaleddown version of a product or service to market in the shortest time possible — the Minimum Viable Product, or MVP.

SIU Credit Union ..................3, 13

Southern Illinois Healthcare .... 8

PAGE 17

Southern Illinois University ....20 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 mailed to businesses, community development leaders, chambers of commerce members and other professionals in Southern Illinois. 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

June 2014

Southern Business Journal

Economy matters in

DEB SAUERHAGE

T ‌ real estate as much as the

location

SBJ CORRESPONDENT‌

he real estate business may be about location, location, location, but it is also about the economy. Julian Pei of Reality Central in Carbondale says a lack of jobs or lack of confidence in major employers can make a difference. Two of the area’s major employers, Southern Illinois University and Southern Illinois Healthcare, play a big role in home sales and the timing of sales. Pei cites SIU’s issues with retirements and funding as one challenge facing the local housing market. “The people hired to replace the people who have retired or moved on do not have comparable salaries,” Pei said. “The people, who are coming in make less money than those who left, and it has created a huge glut in

| 3

inventory.” Pei is anticipating an increase in housing sales thanks to the new Southern Illinois Healthcare Cancer Center. Real estate runs on a different calendar in Carbondale than other communities, according to Pei. “Because Carbondale is a college town, we function by the SIU calendar,” Pei said. “People who are going to be coming to SIU have to buy and close before school starts.” Buyers start looking in the spring. “They try to get everything buttoned up before they get their new position, before late July or mid-August at the latest,” Pei said. Home sales in other communities may be on a different schedule. “Each county and even each community within the county has its own real estate market,” says Rich Davis SEE REAL ESTATE / PAGE 4

SOUTHERN BUSINESS JOURNAL

JUNE 2014

REAL ESTATE: Economy matters just as much as location weather hanging on this year causing a bit of a slow start, the spring market is now beginning to pick up steam,” of Century 21 in Marion. “Services, Davis said. employment, quality of life, schools all The market this year is up year-tohave an impact on that particular comdate year-to-date 16 percent from munity and the real estate sales that the same period in 2011, according occur within it.” to Davis. Real experts say the real estate out“Residential sales activity through look looks good. “The market is better this year than it May 17 per the Multiple Listing Service had been in the last few years,” Pei said. for the counties of Franklin, Jackson, Johnson, Perry, Union and Williamson “It’s still not great, but we have had shows significant improvement from a very long period of what I consider the low point in 2011,” Davis said. fairly poor conditions.” “However, due to the long winter seaThe economy and job market have son, our residential sales are off 4.5 perimpacted the market since 2008, cent to the same period last year. That’s according to Pei. why it’s so critical to move the market “Before 2008, you could have prethis year, while interest rates remain low dicted X amount of business,” Pei said. and the pent-up demand exists.” “Now, who knows?” Market conditions are a lot different Inventory in the area is still very high, now than 10 years ago. Pei said. “In the last decade, prior to 2008, “We have had a lot of people leave this area in the last few years,” Pei said. the real estate market was exploding and talk of a real estate bubble bursting “Some have retired and would like was beginning to be heard around the to move. Their dilemma is that real country,” Davis said. “Residential home estate is higher other places ... so they sales were just as hot in Southern Illiare stuck.” nois, but the big jumps in home values Everything has to do with supweren’t being seen as in other parts of ply. The area has lots of supply and the country.” little demand. According to Davis, the area suffered Pei said there are more than 200 because of the rest of the country. homes available in the Carbon“We became victims by association dale market. to the rest of the country’s financial ills, “When times were good, our invenand consumers and bankers hunkered tory would be 50, 60, 70 homes at the down and stopped the buying process in most. For a buyer, it’s good. There are more choices because of the inventory,” its tracks,” Davis said. “So, as a result, those having to sell ended up on the Pei said. “It allows the purchaser to short end of the stick because there wait. There is no urgency. They keep were no buyers for their homes, causlooking, and that’s not good for us.” ing them extreme distress and, in many But the market is showing signs cases, the subsequent short sale or foreof change. closure alternatives.” “There is progress in a positive Davis sees better times ahead. direction,” Pei said. “But I don’t see “From the seller’s standpoint, home the employment situation getting prices have stabilized and, in some price much better.” ranges, begun moving up due to limited Jan Mandis, president of Egyptian Board of Realtors and managing broker/ inventories within those parameters,” president of Realty Central Inc. in Car- Davis said. “Opportunity is ripe right now for those who purchased a home bondale, agreed. three or more years ago when they were “The real estate market in Southern first-time home buyers in the $90,000 Illinois has really picked up,” Mandis to $150,000 range, to put back on the said.” If someone wants to purchase, market now and move up to their secnow is the time.” According to Davis, the region in gen- ond home.” The low interest rates and high eral shows a slow but steady improvedemand may push buyers. ment from the rough years of 2008 “With interest rates still historically through 2011. low and a pent up demand by buy“In 2013, we saw a very nice uptick ers to make that first home purchase, in homes sold over the previous years sellers have a nice chance to move up and, after some unexpected winter FROM PAGE 3

to something nicer and still at a great interest rate,” Davis said. “The market needs that kind of action. There needs to be action moving homeowners up to their newer, bigger home.” If the market doesn’t move, first-time home buyers will have limited choices. “You’d think that would drive up prices, but the reality is buyers are picky and if the product doesn’t match the price, it’s just going to sit there,” Davis said. Economic issues may also make local buyers shy. “Consumer confidence has been our biggest challenge the past few years, and we have all endured the housing recession,” Davis said. “Job security remains a concern as well.” Past credit mistakes may also make it a challenge for some consumers, Davis said. “Due to some spending habits during the first decade, many consumers have charged themselves into situations that left them with wilted credit scores and pushed them right out of the ability to make a home purchase today,” Davis said. In addition, banks have been tightening up on loans. “Financial expectations by banks placed on consumers who apply for a mortgage loan remain strong,” Davis said. “So that has restricted many from getting the pre-approval they need to purchase a home.” Mandis suggests trying local banks that have many new loan programs that can accommodate almost everyone. For buyers, there may be more favorable lending options available, which should make buying a home a possibility for many. “Programs such as the USDA Rural Development program is a great option for purchasing a home without a large down payment,” Davis said. “In addition, the Illinois Housing Development Authority has introduced two new programs for first-time home buyers and veterans that provide a grant from $7,500 to $10,000, depending on a buyer’s circumstance, to purchase a home.” Job security and credit scores remain very important variables when pursuing a mortgage. “With the programs available, this is a great time for buyers,” Davis said. DEB SAUERHAGE is a correspondent for Southern Business Journal.

BUYERS AND SELLERS BENEFIT If you are looking to buy or sell, the current market is beneficial for both buyers and sellers. After a long period of lower interest, higher interest may be on the horizon. “A factor that will be affecting the market is the eventual increase in interest rates as the national unemployment rate falls,” said Rich Davis of Century 21 in Marion. “Interest rates in the six to seven percent range are not out of the question by late 2015.” Julian Pei of Reality Central in Carbondale also said buyers and sellers should be watching the interest rates. “While interest is still very good, it is going to go up,” Pei said. “We’ve been enjoying historically low interest rates, but, at a certain point in time, interest will have to go back up. While housing costs will be the same, interest rates will make the payments go up.” Pei encourages renters to consider purchasing a home now. “I believe a lot of people believe it is time to take the plunge and buy rather than rent,” Pei said. “The rental market is very strong, in my opinion, too high. Renters do not get the benefits of home ownership, so all of those things may be driving the market.” Jan Mandis, president of Egyptian Board of Realtors and managing broker/ president of Realty Central, Inc. in Carbondale, recommends potential buyers get pre-qualified for a loan. “Before you start looking at property, make an appointment with a lender at your bank to become pre-qualified,” Mandis said.” With your pre-qualification, you will know what price of homes you should be looking for, and the approximate amount of your monthly payment. Also, being prequalified gives you a greater advantage in the contract negotiation process.” Sellers also need to get busy. “If you are going to list your home, make sure it has great curb appeal and clutter removed from the interior,” Mandis said. “Keep in mind that you are in competition with other homes in your price range and you want your home to stand out from the rest.” Davis agrees. “Sellers have to be smart by packaging, pricing and promoting their home to achieve a successful sale,” Davis said. Successful positioning by a seller can also pay off, according to Mandis.

June 2014

Southern Business Journal

| 5

Special report

Staying off the road to a nasty business divorce DON SCHOEMAKER AND GARRETT REUTER JR. SBJ CONTRIBUTORS‌

‌You’re best of friends. You play golf together. Your families go on vacation together. Why wouldn’t you make good business partners? The hard truth is that friendships can be lost in entrepreneurial ventures and businesses destroyed. A business isn’t a friendship. It’s not a marriage. It’s a profit-making venture, hopefully a successful one. When it isn’t, many times the failure can be tied to the

delusion that equality among friends is a good way to run a business. We counsel our business clients that Reuter the road to a nasty business divorce begins with the dreaded words, “We’re friends, we have a great business idea and want the company to be a 50-50 partnership.” No matter how close budding entrepreneurs

are, someone has to be the boss. Both professionals and bluecollar founders Schoemaker tend to fall into the “best buddies” trap, thinking there will never be a dispute they cannot resolve between themselves. Inevitably, though, an irritant surfaces. One partner doesn’t appear to work as hard

as the other. A relative or friend is hired without the other partner knowing. Unspoken differences about profits get exposed. The friendship and partnership spirals downward toward a nasty business divorce. The ruin of a business and lifetime friendships through unpleasant litigation can be avoided if partners come to a sensible agreement very early on leadership, goals, policies and exit strategy. Consider the following. zz ESTABLISH A REALISTIC EXPECTATION OF ROLES. The basic business model is finders, minders and

grinders. Someone has to prospect for new business, someone has to mind the service to customer, and someone has to do the work for which the company was hired. There are talented individuals who can do all three, but most are really proficient at one, maybe two of the tasks. In its very simplest form, entrepreneurs need to figure out who is going to be responsible for the storefront and who runs the back room. zz STICK TO CORE SKILLS. Decide SEE SPECIAL REPORT / PAGE 6

•

opTiCaL iLLusion? sTare aT The doT unTiL iT Turns Green. soLuTion: the dot is not going to turn green no matter how long you stare at it! A business loan from First Bank and Trust could turn your expansion dreams into reality. Since 1889, sensible community banking services.

The FirsT Bank and TrusT Company oF murphysBoro

1403 Walnut, Murphysboro 2471 West Main, West Park Plaza, Carbondale www.fb-t.com

1889-2014 125 Years of Service

Southern Business Journal

June 2014

SPECIAL REPORT: Take steps to avoid a business divorce FROM PAGE 5

what 0your product or service is going to be and make sure everyone stays on task. Even with appropriate “role definition,” each party should stay informed of what the other participants are doing to achieve corporate goals. zz UNDERSTAND THE FIDUCIARY DUTY. Being partners or coowners of a small business means you have a special relationship of trust, one that has serious legal consequences. The assets and opportunities that arise are those of the companies, not the individuals. A partner in an IT business cannot be using its resources and contacts to start up a sideline web design business that benefits only the initiator of the new business line. zz STAY INFORMED ON FINANCES. You may not be the “money” person, but make sure all the principals are involved in quarterly reviews on the financial end of the business. Not tracking unauthorized or inappropriate expenditures early-on dooms many start-ups. zz TRUST, BUT VERIFY. Have an accountant check the books and inventory at least once a year. This seems fairly obvious, but many times a “trusted” partner with a financial background is given this duty. It is an expense, but a necessary one for everyone’s benefit, including the bookkeeper. zz ESTABLISH THE RULES OF THE BUSINESS. Adopt an operating agreement or shareholders agreement for the company. Too often this aspect of a business start-up gets ignored. Business partners will assume they understand and agree on the basic terms of their business arrangement. However, without a written agreement documenting the arrangement, many more problems can arise in the event of a disagreement. A business venture necessarily begins with high expectations of success. However, entrepreneurs must consider all possibilities: ‌Besides your operating or shareholders agreement, the next document on the start-up list

should be a buy-sell agreement that incorporates the agreed valuation method for the company. This is important in the event of a transfer of an owner’s company interest by sale or by death. Don’t wait until there is a problem. Work with your accountant to come up with an agreed method to value the business at any time. This is especially important for small, closely-held companies because there is no open market for its shares. zz ‌GIVE CAREFUL CONSIDERATION TO WHAT HAPPENS IN THE EVENT OF A PARTNER’S DEATH. You may be happy being in business with your partner, but do you want to be in business with your partner’s spouse or kids if he or she is no longer around? zz ‌HAVE A LIMITED NON-COMPETE/ NON-SOLICITATION AGREEMENT IN PLACE. If a partner departs, you don’t want to pay him off only to have him set up a competing shop next door. These agreements protect the good name and sweat equity built up over the years. However, they cannot bar someone from working indefinitely as a competitor and typically last less than a year. Even if business owners manage to follow all of the above guidelines, they ultimately have to face perhaps the most difficult and potentially fatal decision in the life of a company — succession planning. Answers are needed to vital questions, such as, “Who can do the job?” “Who do I want to take over?” “Do they want to take over?” “Who can continue the company in the way I want it to?” Sitting down and mapping out succession planning with your partners and business advisors periodically throughout the lifetime of your company is essential to generational success. You may also consider incorporating your business plan into your own estate plan, which can be an important element for the future of the business. Hopefully, your friendship will be mirrored in your business success for many years. However, believing that friendship will

“carry the day” on a business break-up is foolish. Unchecked business divorces can be brutal, nasty and lead to the destruction of everything you have built and eventual financial ruin

for all involved. Investing in the prenuptial groundwork is essential, even among the best of friends. DON SCHOEMAKER is an officer in

the litigation practice group of the law firm Greensfelder, Hemker & Gale, P.C. in Belleville. GARRETT REUTER JR. is an associate in the firm’s trusts and estates practice group.

June 2014

Southern Business Journal

| 7

Money Matters

How to raise a saver: Tips for caring parents receive as gifts. Tell them they can buy something they want once they save a certain amount (make sure the item/price is appropriate ‌As parents, we naturally want what’s best for our kids. We want and within short-term financial reach). Taping a picture of the them to be polite, respectful, healthy, curious and smart. And item on the bank can provide a we hope that, someday, they will visual goal. Of course, children need a way to earn some money. grow into Consider giving your child a successful weekly allowance and/or payment adults with for small jobs around the house. indepenSome parents tie an allowance to dent, fulchores; others expect chores as filling lives. part of everyday family life, but How best pay extra for “super” chores. The to accomoverall goal is to get your child plish this? excited about seeing the coins and Well, along dollar bills pile up. with teach- McClatchey ing the ABCs, 123s The middle years: 8 to 12 and right from wrong, teaching These years are the sweet spot your child the basics of financial to lay a solid financial foundaliteracy can help you raise a saver tion. Children this age are more and lay the foundation for your financially and materially aware. child’s bright financial future. They have a general idea of what things cost (at least the things they want), they see (and covet) The early years: 3 to 7 the possessions their friends Children this age may think have, they’re bombarded by that money magically appears from special machines whenever advertising, they get asked what they’d like for their birthday, and mom or dad pushes a few butthey often have a say in the new tons, but there is one money clothes and school supplies they concept they can understand. get every year. And they aren’t They know people need money shy about pointing out the other to buy things. Chances are items they want — electronics, they’ve tagged along with you sports equipment, room decor. to the grocery store a few times and watched you fill up your cart. It’s enough to make any parent shudder. Young children often model the What’s the first thing to do? behavior of their parents, so, Explain the difference between on these shopping trips, when “needs” and “wants.” Continue you think your child is recepto give your child an allowance, tive, you might say things like, and encourage a 1/3 — 1/3 — 1/3 “I can’t buy this right now; I rule (or some variation) that earhave to save more money and buy it next time” or “That’s great marks 1/3 for immediate spending needs, 1/3 for the purchase of these apples are a really good big-ticket items and 1/3 for longprice today; I can buy more.” term savings. Consider matchThese types of comments sink ing a portion of that last 1/3 so in and hopefully will get your your child is more motivated to child thinking about money save. Open a bank or brokerage and spending. savings account for your child’s Once children can identify long-term savings, and explain coins and dollar bills, give them how interest and compounding a piggy bank or clear plastic jar works. You might also suggest to keep any money they earn or SCOTT MCCLATCHEY SBJ CONTRIBUTOR‌

they allocate a portion for charitable giving. My family does this annually around the holidays, allowing our kids to decide which charity or charities will receive their financial gift each year. Keep it fun and relevant to their desires and interests! Help your child set financial goals, both short-term (a fishing pole or sweatshirt) and longterm (a laptop). When it comes to spending, explain — and model — the concepts of delayed gratification, prioritizing purchases and making tradeoffs. Help your child learn to get the most value for his or her money by selecting quality merchandise, comparison shopping, waiting for sales and discouraging impulse buying. Let your child see that you, too, can’t buy everything you want all the time. Welcome to the real world! Introduce the concept of budgeting by explaining how your family’s budget works. Without going into detailed numbers, explain how income you receive from your job must be used to pay for needs like food, housing, utilities, insurance, taxes and clothing, and how any money left over is set aside for emergency savings, long-term savings and for “wants,” like trips to the movies, restaurants and new toys and gadgets.

The teen years

Children this age often seem to be ever-growing financial sinkholes — $10 here, $20 there, a laptop, sports equipment, an instrument, school trips, gas for the car, not to mention looming college expenses. Build on the saving, goal-setting, and budgeting lessons from earlier years. Be more specific about what things cost in your family’s budget and explain that in addition to paying day-to-day expenses and saving for college, you’re saving for your own retirement. When your child is old enough, encourage him or her to get a

job to help pay for some typical high-school expenses and to start building a nest egg. Teach your child how to use an ATM/ debit card, balance a checkbook and wisely manage credit — skills they’ll need in college. Finally, you can introduce your child to more advanced financial concepts, such as stocks, bonds, mutual funds, ETFs, IRAs, and diversifying investments, by looking at teen-oriented investing books and financial websites. 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 618-519-9344 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.

Southern Business Journal

June 2014

When Spine Nurse Navigator, Sarah Hendrix, isn’t navigating her family from Point A to Point B, you will find her navigating patients and referring providers at the SIH Brain & Spine Institute. When patients have neck or back pain, the last thing they need is to shuffle from place to place, and waiting for months, looking for answers. That’s where we come in—to coordinate patient care in a way that ensures timely evaluation and accurate treatment. Patients with an urgent spine condition will have an appointment within a week. With the help of our Nurse Navigators, patients will: • Avoid long wait times before seeing a physician • Enjoy a quick, easy referral process • Avoid unnecessary office visits SIH Brain & Spine Institute is the only neurological group that offers a collaborative team of neurosurgeons, neurologists, interventional pain physicians, physiatrists and nurse navigators in this region. Who can be such a partner? Only SIH. LEARN MORE AT:

SIH.NET/SPINE

Memorial Hospital of Carbondale Professional Office Building 305 W Jackson Street, Suite 103

618.351.4972 ext 66429

June 2014

Southern Business Journal

| 9

Elder Law

Estate, Medicaid planning: Risks in doing it yourself paying for grandma’s long-term stay in a nursing home. While do-it-yourself estate planning may be akin to doing one’s own dental surgery, when it comes ‌Do-it-yourself to Medicaid planning, doing it estate planning yourself is more akin to doing your own brain surgery — your Once upon a time, people own lobotomy. found estate planning attorWith the hazards so high, why neys in the Yellow Pages. Now, do some people put their home, according to a recent study, an overwhelming majority of people their farm and their life-time savings at risk by trying to do in need of it themselves? Why do some legal assispeople act contrary to their own tance use best interest? the InterThe phenomenon might have net. The been best expressed by Tom and Internet Ray Magliozzi, better known as provides the Tappet Brothers, during a a faster, recent episode of the CAR TALK easier radio show on NPR. Tom and and more Ray talked with Liz about her thorough Habiger efforts to save money by buying method to find an attorney, compared with an after-market catalytic converter. Liz said she bought the the alternatives. after-market converter because Unfortunately, some people use the Web to go beyond merely it cost a lot less than an original equipment manufactured searching for an estate planning attorney with whom they want to converter; but, when it would consult. The Web makes search- not work, she was afraid that she would have to give up and ing so easy, it hypnotizes people buy the more expensive OEM into believing they can actually catalytic converter. Tom and Ray do their own estate planning. expressed their opinion that Liz Hucksters like Suze Orman and websites such as LegalZoom would indeed need to have the OEM converter installed. Later, serve to reinforce that mistaken after Liz had hung up the phone, belief. I’m sorry to say drafting your own estate plan is like doing Tom and Ray went on to talk about the old adage that “it’s the your own root canal. stingy person who spends the most.” Listen at http://www. Do-it-yourself cartalk.com/content/1217-cynMedicaid planning thia-and-swimming-goats. The pertinent segment is at 42.18 to Sadly, when it comes to plan46.50 minutes. ning for long-term care (that Don’t end up losing subis, care in a nursing home) and stantially more than a modest how to pay for it without going professional fee by trying to do broke, some people are lulled Medicaid planning yourself or by into believing they can do it by searching the Internet. But, alas, consulting with someone who lacks the requisite expertise. without the highly specialized training and experience necessary to do long-term care planTwenty Medicaid mistakes ning (also known as Medicaid 1. Going it alone, doing planning), do-it-yourselfers it yourself risk their family going broke 2. Failing to pre-plan RICHARD HABIGER SBJ CONTRIBUTOR‌

3. Letting the nursing home submit the Medicaid application 4. Assuming Medicaid caseworkers will help with planning 5. Submitting a Medicaid application “just to see if you qualify” 6. Comparing your case to what was done in someone else’s situation 7. Relying on the advice of friends, neighbors, etc. 8. Consulting the wrong kind of attorney, one who does not specialize in Medicaid law 9. Thinking it’s too late to plan, when it’s almost never too late 10. Submitting a Medicaid application too early, even by one day 11. Assuming that your living

trust will protect your assets from Medicaid 12. Assuming that your existing annuity will protect your assets from Medicaid 13. Attempting to hide assets or conveniently “forgetting” about them 14. Giving away assets without knowing the consequences 15. Not considering the consequences of financial transactions 16. Ignoring the safe harbors created by Congress 17. Failing to take advantage of protections for the spouse of a nursing home resident 18. Not taking advantage of the allowable spend-down rules 19. Failing to properly prepare for estate recovery

20. Stopping planning after approval of the Medicaid application And, a bonus 21st Medicaid mistake: 21. Failure to know that what works in other states may not work in Illinois because the Illinois Medicaid rules do not follow federal Medicaid law 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.

retail sales for Southern Illinois cities city anna Benton carbondale carterville chester du Quoin harrisburg herrin Jonesboro Marion Metropolis Mount Vernon Murphysboro nashville Pinckneyville red Bud Sparta Vienna West city West Frankfort reGIon IllInoIS

Ytd March 2014

2013

2012

2011

2010

2009

30.8 23.4 151.7 10.2 13.2 47.7 55.1 41.7 2.8 172.9 20.6 130.1 33.6 32.2 9.6 19.7 31.4 9.7 23.4 29.6 $889.4 $40,234.0

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. This chart has been suspended until further notice.

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

apr 2014

Mar 2014

apr 2013

2,792 16,671 2,401 4,222 1,570 30,787 19,936 5,106 7,109 9,110 1,781 2,606 15,035 12,266 7,738 8,937 7,107 34,200 189,374 6,497,410 154,845,000

269 1,571 175 286 132 1,739 1,259 404 453 776 146 223 927 916 681 443 460 2,308 13,168 469,265 9,079,000

9.6% 9.4% 7.3% 6.8% 8.4% 5.6% 6.3% 7.9% 6.4% 8.5% 8.2% 8.6% 6.2% 7.5% 8.8% 5.0% 6.5% 6.7% 6.9% 7.2% 5.9%

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%

9.6% 10.8% 9.0% 7.3% 10.3% 6.4% 7.4% 9.4% 7.0% 9.9% 8.4% 9.3% 7.2% 9.3% 9.9% 5.9% 8.2% 7.7% 7.6% 8.7% 7.1%

change month q 1.8 q 2.3 q 1.7 q 2.0 q 2.0 q 1.7 q 1.4 q 2.2 q 1.5 q 2.0 q 1.4 q 1.3 q 1.6 q 1.9 q 2.3 q 1.2 q 1.3 q 1.7 q 1.8 q 1.1 q 0.9

80 78

change year q 1.4 q 1.7 q 0.5 q 1.9 q 0.8 q 1.1 q 1.5 q 0.6 q 1.4 q 0.2 q 0.7 q 1.0 q 1.8 q 1.1 q 0.9 q 1.7 q 1.0 q 0.6 q 0.7 q 1.5 q 1.2

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 apr 14 apr 13 MonthlY totalS 809

change

815

q <1.0%

3,154

q 2.3%

Ytd totalS 3,083

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%

Feb 14

Feb 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

Total units sold, including condominiums

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

2 43 2 3 5 58 64 13 23 15 4 1 26 30 29 136 31,507

Q4 13 1 82 3 1 6 63 54 27 32 7 7 1 39 39 24 159 32,975

change

p 100.0% q 47.6% q 33.4% p 200.0% q 16.7% q 8.0% q 15.7% q 51.9% q 28.2% p 114.2% q 42.9% 0.0% p 33.4% q 23.1% p 20.8% q 14.5% q 4.5%

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

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%

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.

April 14 106.0

’11

hotel/motel stats

F M

’14

dec 13 dec 12 MonthlY totalS $429,129

change

$479,646 q 10.5% 238

Ytd totalS $8,098,511

$7,873,288 p

2012 annual totalS

2011

2.9%

change

$74,500 $51,500 $43,000 $20,000 $117,500 $94,750 $67,500 $79,000 $42,250 $58,000 $55,000 $19,800 $60,500 $41,250 $72,000 $89,450 $134,000

236

234

U.S. City Average April 14 237.1

232

230

$7,728,261 q <0.01%

MedIan SaleS PrIce Q1 14 Q1 13 $40,500 $37,500 $51,250 $93,000 $80,000 $89,500 $80,500 $112,000 $45,000 $59,000 $58,500 $28,000 $76,000 $50,000 $85,000 $93,125 $148,000

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.

228

226

224

change q 54.4% q 72.8% p 19.4% p 365.0% q 32.0% q 5.6% p 19.2% p 41.7% p 6.5% p 1.7% p 6.4% p 41.4% p 25.6% p 21.2% p 18.1% p 4.1% p 10.4%

222

Midwest Urban April 14 226.2

220

218

216

A ’13

F M ‘14

Source: u.S. Department of Labor

Prices at the pump Average price per gallon of regular, unleaded gas as of May 18 and April 27, 2014.

May 14 Metro east Springfield Illinois u.S.

$3.75 $3.70 $3.79 $3.65

Source: aaa

Monthly Page Views:

Monthly Unique Visitors:

Monthly Visits:

3,382,977

369,474

832,972

*May 2014 omniture

consumer Price Index

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

Source: iLLinoiS aSSociation of reaLtorS

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

’13

’12

Source: inStitute of Government anD pubLic affairS, univerSity of iLLinoiS

$7,732,810

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

Q1 14 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 March 2014.

 1 most visited news, information and advertising #

apr 14 May 13 $3.79 $3.70 $3.92 $3.70

$3.85 $3.84 $4.02 $3.64

Ytd March 2014

2013

2012

2011

2010

2009

30.8 23.4 151.7 10.2 13.2 47.7 55.1 41.7 2.8 172.9 20.6 130.1 33.6 32.2 9.6 19.7 31.4 9.7 23.4 29.6 $889.4 $40,234.0

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

apr 2014

Mar 2014

apr 2013

2,792 16,671 2,401 4,222 1,570 30,787 19,936 5,106 7,109 9,110 1,781 2,606 15,035 12,266 7,738 8,937 7,107 34,200 189,374 6,497,410 154,845,000

269 1,571 175 286 132 1,739 1,259 404 453 776 146 223 927 916 681 443 460 2,308 13,168 469,265 9,079,000

9.6% 9.4% 7.3% 6.8% 8.4% 5.6% 6.3% 7.9% 6.4% 8.5% 8.2% 8.6% 6.2% 7.5% 8.8% 5.0% 6.5% 6.7% 6.9% 7.2% 5.9%

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%

9.6% 10.8% 9.0% 7.3% 10.3% 6.4% 7.4% 9.4% 7.0% 9.9% 8.4% 9.3% 7.2% 9.3% 9.9% 5.9% 8.2% 7.7% 7.6% 8.7% 7.1%

change month q 1.8 q 2.3 q 1.7 q 2.0 q 2.0 q 1.7 q 1.4 q 2.2 q 1.5 q 2.0 q 1.4 q 1.3 q 1.6 q 1.9 q 2.3 q 1.2 q 1.3 q 1.7 q 1.8 q 1.1 q 0.9

80 78

change year q 1.4 q 1.7 q 0.5 q 1.9 q 0.8 q 1.1 q 1.5 q 0.6 q 1.4 q 0.2 q 0.7 q 1.0 q 1.8 q 1.1 q 0.9 q 1.7 q 1.0 q 0.6 q 0.7 q 1.5 q 1.2

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 apr 14 apr 13 MonthlY totalS 809

change

815

q <1.0%

3,154

q 2.3%

Ytd totalS 3,083

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%

Feb 14

Feb 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%

Total units sold, including condominiums

Q1 14 alexander Franklin Gallatin hamilton hardin Jackson Jefferson Johnson Massac Perry Pope Pulaski randolph Saline union Williamson IllInoIS

2 43 2 3 5 58 64 13 23 15 4 1 26 30 29 136 31,507

Q4 13 1 82 3 1 6 63 54 27 32 7 7 1 39 39 24 159 32,975

change

p 100.0% q 47.6% q 33.4% p 200.0% q 16.7% q 8.0% q 15.7% q 51.9% q 28.2% p 114.2% q 42.9% 0.0% p 33.4% q 23.1% p 20.8% q 14.5% q 4.5%

April 14 106.0

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%

’11

hotel/motel stats

F M

’14

dec 13 dec 12 MonthlY totalS $429,129

change

$479,646 q 10.5% 238

Ytd totalS $8,098,511

$7,873,288 p

2012 annual totalS

2011

2.9%

change

$74,500 $51,500 $43,000 $20,000 $117,500 $94,750 $67,500 $79,000 $42,250 $58,000 $55,000 $19,800 $60,500 $41,250 $72,000 $89,450 $134,000

236

234

U.S. City Average April 14 237.1

232

230

$7,728,261 q <0.01%

MedIan SaleS PrIce Q1 14 Q1 13 $40,500 $37,500 $51,250 $93,000 $80,000 $89,500 $80,500 $112,000 $45,000 $59,000 $58,500 $28,000 $76,000 $50,000 $85,000 $93,125 $148,000

228

226

224

change q 54.4% q 72.8% p 19.4% p 365.0% q 32.0% q 5.6% p 19.2% p 41.7% p 6.5% p 1.7% p 6.4% p 41.4% p 25.6% p 21.2% p 18.1% p 4.1% p 10.4%

222

Midwest Urban April 14 226.2

220

218

216

A ’13

F M ‘14

Source: u.S. Department of Labor

Prices at the pump Average price per gallon of regular, unleaded gas as of May 18 and April 27, 2014.

May 14 Metro east Springfield Illinois u.S.

$3.75 $3.70 $3.79 $3.65

Source: aaa

Monthly Page Views:

Monthly Unique Visitors:

Monthly Visits:

3,382,977

369,474

832,972

*May 2014 omniture

consumer Price Index

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

Source: iLLinoiS aSSociation of reaLtorS

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

’13

’12

Source: inStitute of Government anD pubLic affairS, univerSity of iLLinoiS

$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

apr 14 May 13 $3.79 $3.70 $3.92 $3.70

$3.85 $3.84 $4.02 $3.64

Southern Business Journal

June 2014

Workplace

Learn the traits of highly successful leaders ANGELA HOLMES-YOUNG SBJ CONTRIBUTOR‌

I‌ recently attended NAWDP’s (National Association of Workforce Development Professionals) annual conference in Denver, Colorado. This trip gave me the setting I needed to reflect on leadership and the qualities shared by successful leaders. Whether you are currently in a leadership role or working toward that end, please take note of what I uncovered by spendHolmes-Young ing time with current leaders. The conference itself was wonderful, but truly the best part was the time I spent with several local leaders from right here in Southern Illinois. I got the pleasure of traveling with others from Southern Illinois who serve with me on the Southern Illinois Workforce Investment Board. As the trip progressed, I got to know these leaders better. I began to see patterns and themes emerge that were shared by all. These leaders were not from the same towns or same backgrounds, but had much in common. On the surface, this group did not share much in common — some men and some women, different backgrounds — but they all shared key qualities. These commonalities were very present both in professional and personal settings. I have tried to capture and summarize these qualities here so that all of us can benefit from their wisdom. I can honestly say that these leaders shared two distinct characteristics that seemed to me to be crucial to their vast success. I suggest that you consider these

two crucial themes.

1. Do the right thing for the right reason, even when no one is watching. That’s right. The good oldfashioned Golden Rule. Do unto others as you would have done to you. When a situation arises, maybe even a crisis, take time to reflect and then decide how best to handle it. I realize that a crisis does not often allow for reflection, so do the best you can here. This reflection point is a good time to really think through the decision and how it will impact others. Many of us get a feeling in our gut as to whether this is the right thing to do. Some decisions that leaders must make involve risk, so understand that some risk is OK. Don’t forget to assess the amount of risk. Weigh the pros and cons and then choose the best option.

2. Understand the importance of building, creating and maintaining personal relationships. It seems to me that those who are the most successful are ones who not only shine at networking, but also at personal relationships in general. Successful leaders understand and nurture relationships. I am not talking about favoritism and preferential treatment, but true business and professional relationships. A good leader can understand the importance and makes the time for this activity in his/her busy schedule. Realize the importance of talking with others and also listening to others. You will learn much more from being quiet and listening than by talking.

Words to future leaders

zz ‌Surround yourself with successful leaders. zz ‌Give of your time. Get involved.

zz ‌Get to know others. zz ‌Solve problems even when you are busy or when you do not want to. zz ‌Find a mentor or a professional guide. This does not have to be a formal relationship with rules and guidelines. zz ‌Ask for help and advice from those above and below you. It’s OK. I was at the airport during the trip to this conference, and a stranger stopped me. He was an elderly gentleman who did not speak English well. He was having trouble figuring out how and where to pick up his bags. I believe I was at the Denver airport, where you take a tram to a different location for baggage claim. Although I had never been to the Denver airport, it was all quite easy for me because I could read the signs and understand the audio instructions. I was not concerned at all. I was feeling tired and rushed when this man stopped me, but I thought about his journey and how much harder everything must be for him because he could not understand the signage or the overhead instruction. I did help him get to the baggage claim area. I quickly decided to do the right thing and help him because I wanted to. I took the leadership role and developed a personal relationship, be it short in duration, that helped someone else. We all face these situations in life, and we each choose how to handle them. I did not do it expecting anything, but I hope that the next time I need help while traveling that someone will help me. What goes around comes around. I had no expectation of a return gesture, but it never hurts to put a good vibe out there into the universe. Usually, you get the good stuff back. Dynamic and successful leaders listen, think and end up being the following:

Listen

Listen before speaking. Listen to what is said, but also to what is NOT said. Listen to build relationships.

Think

zz Think strategically. Think before action. Think about others. zz Be professional. Be polite. Be chivalrous. zz In closing, I would like to leave you with this to-do list. It is easy and simple, and you can commit it to memory right now. These are all soft skills that will get you far if you practice them. zz ‌Give of your time.

zz ‌Get to know people. zz ‌Be involved in your life and your community. Thank you to my travel companions, fellow members of the Southern Illinois Workforce Investment Board. Your wisdom and kindness is immense. ANGELA HOLMES-YOUNG is author of “Bring It On: The Aspiring Professional’s Guide to Getting a Leg Up on the Competition.” Her book is available at Bookworm, 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.

‌

June 2014

Southern Business Journal

| 13

Economics

Fixed income universe includes a bright spot MICHAEL P. TISON SBJ CONTRIBUTOR‌

‌Municipal bonds are a bright spot in the fixed income universe with prospects supported by a number of fundamental factors. This contrasts with last year when municipal bond mutual funds experienced a record $64 billion in outflows. The outflows illustrated the credit fears stirred by Detroit’s bankruptcy and Puerto Rico’s financial problems, as well as the threat of generally rising interest rates. While municipal bond yields have declined by roughly 25 to 45 basis points in 2014, a number of factors should continue to

support the municipal market in 2014. “At the longer end of the yield curve, I would argue municipals Tison are less of a duration risk than the math may indicate. You just have this incredible demographic surge. You have the tax code changing. You have municipals as the last safe haven,” noted James Camp, managing director of Eagle Asset Management.

2013, credit rating upgrades significantly outnumbered the total ratings downgrades for the Nothing provides relief from year. The high-profile publichigher tax rates like municipal bonds. We expect that the impact ity related to credit problems in of higher tax rates for the wealthy, Detroit and Puerto Rico, as well as Illinois pension issues, have implemented in 2013, is now all been problems decades in becoming more apparent as tax returns are coming into focus. Due the making. Despite the press, municipal bankruptcies remain to the overall complexity of the changes, we suspect many Ameri- rare with only 14 over the past cans are only now starting to gain five years, compared to approximately 54,000 issuers in the a realistic assessment of how the marketplace. tax rates will impact them.

Higher tax rates

Credit improvement

Financial pressure is now starting to ease as revenues gradually increase and spending remains controlled. In

Limited supplies

Despite low interest rates, the volume of new-issue municipal bonds has been reduced over the past few years as borrowers are

still reluctant to take on additional debt. Historically, new-issue supply has been a significant factor driving municipal bond performance. Municipal bonds are not suitable everyone. They do have interest rate risk and credit risk. Please discuss them fully with your financial advisor before any purchase. 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 South Main St. He can be reached at 618-253-4444.

Southern Business Journal

June 2014

Achievements Commission recognizes cancer programs

state banquet. The awards banquet, sponsored by the Illinois Real Estate Educational Foundation, was April 2 in Springfield in con‌The Commission on Cancer has again junction with the business meetings of granted a three-year approval with commendation to the cancer programs at both the 41,000-member Illinois Association of Realtors. Good Samaritan Regional Health Center Davis, who is past president of Egyptian in Mount Vernon and St. Mary’s Hospital Board of Realtors, received a special award in Centralia. from the state association. The award was CoC is a consortium of professional organizations dedicated to improving sur- presented during the ceremony where he vival and quality of life for cancer patients was recognized as Realtor of the Year for the Egyptian Board. through standard-setting, prevention, research, education and the monitoring of comprehensive quality care. Business qualifies

Davis recognized as Realtor of the Year ‌Recently named Realtor of the Year by Egyptian Board of Realtors, Richard Davis of Century 21 House of Realty received special recognition last month during a

Blacklock

Buatte

“Joining the Cloud Accelerate Program will help BBTS introduce cloud technologies to southeastern Illinois. It showcases our expertise in today’s cloud technology market and demonstrates our knowledge of Microsoft’s Cloud solutions,” said Hal Butler, owner.

Buatte recognized for 30 years with bank

‌Jessica Buatte, assistant vice president and branch manager at First Bank in Chester, has been presented with a plaque in recognition of 30 years of service with the bank. for accelerate program Buatte also has served First Bank as a ‌Butler Business & Technology Solutions bookkeeper, proof operator, teller, loan teller, branch support clerk and commuhas qualified as a member of the Micronity banking officer. soft Cloud Accelerate Program by demonstrating its ability to meet the evolving needs of Microsoft’s customers in today’s Regions bank honors cloud marketplace.

Sharon Dorris

Calvert

Davis

‌Regions bank recently celebrated the retirement of mortgage loan coordinator Sharon Dorris. Dorris began her career in the mortgage business in 1986. In her current role, she provides administrative support to the mortgage sales team and serves as mortgage customer liaison in Regions’ Carbondale and Cape Girardeau markets. Following high school graduation, Dorris joined the U.S. Marine Corps and served as a communication specialist for three years. She and her late husband, Bob, ran the American Legion-Marion Corp League for 24 years. They were married 52 years, prior to his death in September.

Carterville native named city counselor Echols

Felker

Keim

Kuhnert

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.

‌Carterville native Winston Calvert has been named counselor for the city of St. Louis. In his new job, Calvert will lead a department comprised of two deputy city counselors, 37 attorneys and 19 support staff. He formerly served as a member of Armstrong Teasdale’s Litigation practice group.

Bailey named executive director Moyers

Stroud

Find more business news at www.sbj.biz

‌Callie Bailey has been named executive director of Sylvan Learning Center of Carterville. Bailey is an SIU graduate with a Bachelor of Science degree in English.

Originally from Taylorville, she moved to Carbondale in 2010. For the last three years, she has worked at two local elementary schools as a mentor and in afterschool care. The center is at 402 E. Plaza Drive.

Two designated premier advisor ‌Wells Fargo Advisors has designated Barbara J. Blacklock of Carbondale and Monte Kuhnert of Du Quoin as members of the firm’s Premier Advisors Program. Both are managing directors of investments. Blacklock has been a financial advisor with Wells Fargo Advisors for 33 years and has 33 years experience in the brokerage industry. She has a bachelor’s degree in finance from SIU. Kuhnert has been a financial advisor with Wells Fargo Advisors for 20 years and has 22 years experience in the brokerage industry. He has a bachelor’s degree in finance and an MBA from SIU-Edwardsville.

Surgery center achieves accreditation ‌Physicians’ Surgery Center, LLC has achieved accreditation by the Accreditation Association for Ambulatory Health Care. Accreditation distinguishes this ambulatory surgery center from many other outpatient facilities by providing the highest quality of care to its patients as determined by an independent, external process of evaluation. Stephen Renfro is administrator of Physicians’ Surgery Center.

Shawnee awards faculty members ‌Shawnee Community College has presented Paul Echols of Murphysboro with its Full-Time Faculty Member of the Year Award and Travis Felker of Metropolis with its Part-Time Faculty Member of the Year Award. These awards recognize the high achievement of Illinois’ full-time and part-time community college instructors. Echols has taught several different courses, all criminal justice. Before joining SCC faculty, he served Carbondale Police Department in many capacities, including detective and crime scene specialist. Felker has taught a number of history courses, and he also has taught GED courses for the Adult Education Program and Alternative High School Program offered through SCC.

June 2014

Southern Business Journal

| 15

Achievements Sorensen recognized as top chef

‌ asse Sorensen, proprietor of Tom’s L Place in De Soto, has been named as a Best Chef again in 2014. Less that 1 percent of all chefs and professional cooks in America make it into the book published by Best Chefs America. BCA did not publish a national guide this year, but will publish one in 2015. This year, BCA is focusing on a line of regional guides that cover the United States.

Stroud joins JC branch of S.I. Bank

who treats patients at NovaCare West Frankfort; Jill Lisk, who treats patients at NovaCare Mount Vernon; and Todd Vaughn, who treats patients at NovaCare Marion.

Moyers obtains FCRA certification ‌Meredith Moyers, operations manager at MBI Worldwide in Herrin, recently obtained her Fair Credit Reporting Act basic certification through the National Association of Professional Background Screeners. This certification program has been developed to provide a basic knowledge of FCRA regulations.

‌James E. Stroud began working on April 1 as a commercial lender for the Johnston City branch of Southern Illinois Bank. Originally from Carterville, Stroud Forbes earns national honors now lives in Marion. He is a graduate of Carterville High School, Illinois Bankers ‌John Forbes, president and wealth adviSchool, John A Logan College and SIU. sor at Forbes Financial Group in CarbonHe has more than 32 years of experience dale, recently received several national in the banking industry. honors and recognition as one of the leading financial consultants in the nation. Forbes was invited to the Barron’s Top JCHA employees attend Independent Advisors Summit from training programs March 19 to 21 in Phoenix. Only 500 advisors nationwide were selected for this ‌Jackson County Housing Authority gathering. With more than 100,000 indeemployees recently attended trainpendent financial advisors in the nation, ing programs. JCHA property managers, who attended this selection puts Forbes in the top 1 percent of his peers. a site-based budget training in CarbonThis honor comes shortly after Forbes dale, include Oueida Mills, Mona Bradford, was named one of LPL Financial’s top Josh Whittington, Cathy King, Tracy King financial advisors through his induction and Judy Patterson. into the Chairman’s Club. This distincEmployees who attended a maintetion is based on an annual production of nance management clinic in Decatur include Property and Operations Director all registered advisors supported by LPL Sean Belcher and Property Rehabilitation Financial LLC and is awarded to less than 6 percent of the firm’s 13,500 advisors Director Michele Weinhold. nationwide.

United Methodist Children’s Home reaccredited ‌The Educational Assessment Guidelines Leading toward Excellence Accreditation Commission has confirmed re-accreditation for United Methodist Children’s Home in Mount Vernon. Only 38 health and welfare institutions nationwide have achieved EAGLE status in recognition of their efforts toward excellence.

NovaCare therapists earn certification

Boys and Girls Club of Carbondale Business of the Month

Lewis qualifies for conference ‌Randy Lewis Jr. recently returned from Edward Jones’ Financial Advisor Leaders conference. Lewis, who is based in Marion, was one of only 1,003 financial advisors who qualified out of the firm’s nearly 12,000 financial advisors in the U.S. and Canada. The 2014 conference was earlier this month at the firm’s headquarters in St. Louis.

Keim named chaplain of the year

‌Three local therapists with NovaCare ‌Stephen Keim, chief chaplain of the Rehabilitation recently earned certificaIllinois Department of Corrections, has tion in vestibular rehabilitation through been awarded Aleph’s Head Chaplain of the American Institute of Balance. the Year Award. The therapists include Joshua Anderson, Each year, Aleph tries to recognize

The Boys & Girls Club of Carbondale is pleased to announce SIU Credit Union as their Business of the Month for May!

individuals who have demonstrated a commitment to furthering religious diversity and practices in institutional environments. Keim is stationed at Menard in Chester.

MBI Worldwide receives award ‌MBI Worldwide in Herrin has been honored with a 2014 Silver NWBOC Eclipse Award for Outstanding Company Culture in the category of business services. MBI Worldwide received the award at the National Women Business Owners Corporation Decades of Excellence II conference recently in Florida. Kandi Chapman, president of MBI Worldwide, received the award which recognizes women business owners who have successfully created an ideal work environment and also participate in their community.

Baptist Health earns national award ‌For the third year in a row, Baptist Health Paducah has earned a national achievement award for the prompt treatment of patients who experience cardiac arrest in the hospital. Baptist Health received the Get With The Guidelines–Resuscitation Gold Quality Achievement Award from the

American Heart Association and American Stroke Association for implementing specific quality improvement measures to treat patients who suffer from in-hospital cardiac arrest. The hospital received the silver and bronze quality awards in 2013 and 2012, respectively.

Kincheloe named interim president, CEO ‌Duncan Kincheloe has been named interim president and CEO of Prairie State Generating Company in Marissa. Kincheloe has been CEO of Missouri Public Utility Alliance and Missouri Joint Municipal Electric Utility Commission since 1999 and has served as an officer of the Prairie State board management committee since its organization in 2007. He is a licensed attorney.

Marshall Browning earns accreditation ‌Marshall Browning Hospital has earned The Joint Commission’s Gold Seal of Approval for accreditation by demonstrating compliance with The Joint Commission’s national standards for health care quality and safety in hospitals. The accreditation award recognizes Marshall Browning Hospital’s dedication to continuous compliance with The Joint Commission’s state-of-the-art standards.

Southern Business Journal

June 2014

focus plan connect

smart

entrepreneurship

launch

profit innovate

build

think

develop

finance

believe

social media

branding

idea

prepare

small business

discover

invent

mentor

growth

strategıze motivation

effective

Illinois Small Business Development Center/International Trade Center

Summer/Fall 2014 Workshop Schedule 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 is included with the registration fee. Our Business Start-Up Kit, available in both print and electronic format, includes 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 much more. Registration for the seminar is $15. june 12 .........................thuRs...................9 aM – 11 aM...................dunn-RichMond, RooM 150 july 16..........................Wed......................9 aM – 11 aM...................dunn-RichMond, RooM 150 August 22 ....................FRi ........................1 pM – 3 pM ....................dunn-RichMond, RooM 150 september 23 .............tues .....................5 pM – 7 pM ....................dunn-RichMond, RooM 150 OctOber 15..................Wed......................10 aM – noon................................. Randolph county couRthouse, chesteR nOvember 6.................thuRs...................9 aM – 11 aM...................dunn-RichMond, RooM 150 December 17...............Wed......................1 pM – 3 pM ....................dunn-RichMond, RooM 150

Export Documentation: Succeeding in the International Trade Business

SIUC Small Business Incubator Program Are you an entrepreneur looking for a great place to launch or grow your business? For more information on the Small Business Incubator, call 536-2424 or email us at sbdc@siu.edu.

Export documentation is a tedious but necessary process and all exporters must pay close attention as documentation requirements vary considerably by country, commodity, and situation. Proper export documentation is essential in avoiding delays in transit and customs clearance at the points of origin and destination. Guest Speaker: Ric Frantz is the CEO and Co-Founder of LR INTERNATIONAL , INC. a Global Logistics and Consulting firm located near Chicago’s O’Hare International Airport. Frantz will cover the information necessary to complete the more common documents required to export from the United States and unveil the ramifications of incorrect or inaccurate information. Registration is free; however, RSVP is required by Monday, October 20th. OctOber 22..................Wed......................10 aM – 1 pM...................dunn-RichMond, RooM 150

To register or for information, call 618-536-2424 or go online at siusbdc.com Pre-registration is required for all workshops. Dunn-Richmond Economic Development Center, 1740 Innovation Drive, Carbondale

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.

June 2014

Southern Business Journal

| 17

Entrepreneur’s Mailbag

What does ‘lean’ mean to small business? ‌About a month ago I had the opportunity to sit-in on a networking group called the D.C. Lean Startup Circle. The Washington-based group is one of many that have sprouted up around the world — the result of the most Gray recent manufacturing processes (Lean manufacturing) that has been adapted for the business world. Lean manufacturing was pioneered by Toyota Motor Corporation and revolves around eliminating waste in the manufacturing process that often leads to time, cost and other inefficiencies. More recently,

Eric Ries’ book The Lean Startup has been widely embraced by entrepreneurs. At its core, Lean processes are about innovating for your small business in a way that brings ideas to market in the most time and cost effective way possible. For years I tinkered with the processes that would allow me to more effectively bring some of my own ideas to market. Here are some tips for sparking innovation in your own company in three months or less.

as possible known as Mind Mapping. For less complex idea generation I recommend giving yourself about two weeks time to generate some great ideas either alone or with a small team of 3-5 individuals. More complex ideas may take a little longer to develop but I would recommend keeping the entire brainstorming process to no more than 3 weeks.

Could you develop and implement your idea at 20 percent of its desired version? And if absolutely necessary could you bring your product or service to market at say 10 percent of its ideal version? One of the guiding principles of the lean movement is to see how quickly you can go from a mere idea to a quickly developed and marketable prototype.

Once you have arrived at your MVP it’s time to get that idea to market and in front of customers. Give yourself another 30 days of quality time spent with existing clients and potential clients-taking their feedback on your product or service into consideration and then adjusting as you go.

Cavanaugh L. Gray (cgray@ ecafellc.com) is the Director of Business Development for The What’s your MVP? From idea to execution Entrepreneur Café, L.L.C (877) Once a solid business idea has One of the tools I use for runbeen generated through brainning my business and even func- 511-4820. For more information A refresher on storming the next step is to further tioning on a day-to-day involves on small business innovation or to brainstorming read a chapter from his book The develop the concept. At this point the use of my iPhone. All of the Entrepreneurial Spirit Lives: 25 whatever ideas you have come up wonderful features that I (and so I consider myself a pretty many others) now take for granted Tales to Help Entrepreneurs Start, creative person and of one of my with still might be too grandiose Grow, and Succeed in Small Busifavorite parts of helping clients or for actual implementation. At this weren’t even thought of when ness log on to www.ecafellc.com. the first version of the phone as it relates to launching my own point it is important to downsize For more information on how to was released. Apple understood projects involves the idea genera- your idea and to do so by implementing a series of checkpoints. If that one of the keys to successful start, grow and succeed in small tion process. When it comes to business, ‘Like’ on Facebook, ‘Folyou had to, could you develop and innovation rested in going from generating new ideas, I prefer to low’ on Twitter @TheECafe or implement your product or service a mere idea to execution (which develop as many unobstructed, ‘Connect’ on LinkedIn. at 30 percent of its ideal version? they did) and the rest is history. uninhibited, interrelated ideas

Fine Print Building permits

Mount Vernon‌

Joe Ilbery, 2307 Benton Road, $12,500 Jefferson County Shriners, 11675 Illinois 37, Marion‌ $0 Casey’s Retail Co., 2314 W. Main St., Baldwin Enterprises, Inc., 222 Potomac Blvd., $190,000 $50,000 Farmers State Bank, Outer Drive, $1,500,000 Maxine Lockeby, 2909 S. 13th St., $47,000 Chris Lincoln, Dew Drop Drive, 269,246.77 Maxine Lockey 2909 S. 13th St., $0 Tom Wolf, 2200 W. Main St., $75,000 Goodman Networks, 123 S. 10th St., $19,000 Jerry House, 1309 W. Cherry St., $7,000 Henry Mannen, 2005 Casey, $0 Bittany Lane, 1305 N. Glendale, $15,000 Rue 21 (Times Square Mall), 100 Times Andy Roberts, Colonial Drive, $200,000 Square Mall, $100 Richard Palese, 1705 Colonial Drive, $4,000 New Dimension Builders, Inc., 801 1/2 S. 18th Everett Wilson, 409 S. Carbon, $3,000 St. (trailer only) $0 Metropolis‌ Rue 21 (Times Square Mall), 3917 Broadway, Gwen’s D.E.F., 1120 Johnson St., $115,000 No. 43, $200,000 Project Hope Humane Society, 1660 10th St. Jim Stanley and Sherry Perkins, 1302 S. 24th W., $74,100 St., $0 Gary Graham, 909 Ophia St., $3,000 Hallmark Store (King City Square), 417 S. Bobby and Laura Qualls, 611 17th St. E., 42nd St., $4,400 $50,000 Phil and Betty Bauer, 405 S. 19th St., $9,500 Bartley Lingle, 109 Eighth St. E., $250 Norman Fowler, 1101 Conger, $0 Bartley Lingle, 109 Eighth St. E., $23,000 Doris Meredith, 705 S. 17th St., $69,130 Mark Brunk, DMD, 805 Market St., $500 Big Lots (Times Square Mall), 3925 Maria Perez, 20 Barger Drive, $7,000 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 Ted Steele, 127 Castleton, $5,000 Ross Dress for Less, 4104 Broadway, $1,500 Ross Dress for Less, 4104 Broadway, $4,000 Ross Dress for Less, 4101 Broadway, $11,000 AT&T, 14275 N. Pumphouse Lane, $35,000 Drury Inn, 145 N. 44th St., $8,500 AT&T Mobility, 1900 S. Eighth St., $8,000 AT&T Mobility, 123 S. 10th St., $8,000 Emma Hawthorne, 1100 Herbert, $1,350 Illini Ice, LLC, 4812 Broadway, $95,000 Applebee’s, 105 Potomac Blvd., $31,960 AT&T American Tower, 10600 E. Garden Road, $35,000 Tower Loan, 811 Broadway, $230 St. Mary’s Good Samaritan, 1501 McPherson Ave., $0 AT&T American Tower, 9398 Rainbow Lane, $35,000 Mount Vernon Industrial Property, 1 Eagle St.,

$340,000 Dianne Lentz, 408 Maple, $0

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 Scott Stewart, 1839 Division St., $6,500 ReGina Jones, 1836 Division St., $2,000 John Tweedy, 2035 Minton St., $844.69 Berean Christian Church, 1530 Illinois Ave., $2,500 Susan Trotter, 916 N. 11th St., $6,500 Larry Powell, 2112 Logan St., $1,200 Brian Stewart, 814 Illinois Ave., $8,300 Frank Puttman, 1114 Steven Lane, $12,000 Kenneth Oliver, 2001 Illinois Ave., $2,000 Fred Ellis, 1302 Hall St., $1,600 Harold Korando, 1905 Herbert St., $28,000 Jackson County Highway Department, 1200 Enterprise Ave., $20,000

Southern Business Journal

June 2014

Southern Business Journal

| 19

Fine Print ‌ Bankruptcies

Carrie Lynn Cline, 703 George St., Fairfield Jeffery M. and Wendy K. Engleby, 770 Chapter 7 Moore Road, Eldorado Beverly T. Burnett, 210 N. State St., Jennifer L. and Thomas A. Prince, P.O. Christopher Box 421, Mulkeytown Trenton J. McClanahan, 8699 Martin Charles A. and Shana R. Johnson, St., Christopher 8775 Illinois 147, Simpson Bradley D. and Melissa L. Griffith, Patricia D. Russell, 50 Indian Creek 4645 Raleigh Road, Eldorado Drive, Goreville Jackie C. and Donna G. Mocaby, Donald W. Wiggs, 223 S. 16th St., 18195 New Ohio Coal Road, Pittsburg Murphysboro Brett A. Burnett, 407 S. Douglas St., Sarah Ann Popham, 1004 E. Elm St., West Frankfort West Frankfort Susan E. Klueg May, 136 County Richard L. Bowman, 715 E. 12th St., Road 300 N, Norris City Apt. 64, Metropolis Linda M. Poindexter, 120 S. Reader Michelle L. Piper, 2002 W. Walnut St., Road, Mounds Herrin Jacqueline H. Gaines, 2012 Illinois Linda K. Sandusky, 1112 S. 14th St., Ave., Apt. 6, Murphysboro Herrin Stephen Joseph Kurtz, 986 Buhrman Brittany N. Niggeman, 708 N. St., Nashville VanBuren St., Marion Heather P. Payne, 303 E. Church St., Jeff G. Crowell, 274 E. Pleasant Hill Galatia Road, Carbondale Becky L. Rolape, 420 N. 16th St., Jennifer K. Golliday, 611 S. 24th St., Herrin Mount Vernon Carla S. Womack, 309 S. Webster St., David J. McCabe, 10617 Torrance Harrisburg Road, Carbondale Robert D. Mayberry, P.O. Box 34, Jennifer L. Yucas, 68 Rock Springs McClure Road, Makanda Gary L. and Shirley R. Green, P.O. Box Dustin M. and Amber N. Cluck, 134A 330, Creal Springs Walnut St., Carterville Brenda L. Jones, P.O. Box 134, Carrier Moira L. Benard, 8443 Woodbine Mills Road, Christopher Wanda R. Kirkpatrick, 401 N. Du Wilma A. Geiger, 9 Candy Lane, Quoin St., Apt. 6, Benton Murphysboro Destry G. Evetts, P.O. Box 332, Creal Katherine A. Barnhill, 3250 Joppa Springs Road, Metropolis Glenda Annetta Newbolds, 26170 Herbert E. and Robin L. Newbolds, Bean Ridge Road, Thebes 15532 Shakerag Road, Johnston City Amber E. Patterson, 5121 E. Nancy J. Packer, 1200 Catherine St., Heartwood Road, Waltonville Metropolis Ashley N. Mifflin, 321 Maes Road, Heather N. Thompson, 5470 Mount Murphysboro Moriah, Harrisburg Kathleen R. Kelton, 2082 Barnett Richard R. Golec, 103 W. Market, Apt. Road, Harrisburg A, Christopher Vernon L. Stubblefield, P.O. Box 648, Pansy B. Hawes, 706 White Lane, Cairo Gorham Shawn R. Bizaillion, 2209 Melanie Stephanie M. Clark, 417 N. 18th St., Lane, Marion Herrin Donald L. Clarida, P.O. Box 1023, Melissa J. Schroeder Bell, P.O. Box Harrisburg 524, Crossville Marie Ellen Adams, 1004 S. McKinley, Scott A. and Megan A. Trabant, 508 Harrisburg W. Cherry St., McLeansboro Holly L. McCoy, 10616 E. Freesia Keith E. and Mary L. Howard, 1214 Road, Mount Vernon Anderson Drive, Marion Bobbie Watkins, 844 Jodi Lane, Carl R. and Rhonda L. Horn, 1607 Marion Filmore St., Metropolis Louis S. and Triniti P. Baker, 1009 N. Ronald Joe and Rita Kay Hurley, Taft, Apt. A., Marion 11245 McClain Road, Equality Diane L. Bloodworth, 1202 Midway Yulonda G. Coleson, 2609 Meridian Court, Marion Road, Mounds

Todd A. Spotanski, P.O. Box 871, Sesser Toni M. Andrews, 19534 E. Marlow Road, Opdyke Marie Dowell, P.O. Box 1153, Murphysboro Teri L. Hutson, 772 Filmore St., Herrin Valerie N Jerrell, 555 Depper Road, Cobden Stephany and Michael Kuchar, 400 N. 18th St., Herrin Samuel R. and Cassandra L. Andrews, 1009 Oakland Ave., Mount Vernon Randy Joseph and Pamela Jo Loring, 1509 Oak St., Chester Ray D. and Lisa D. Wilkins, 4109 Crestwood Road, Metropolis Teresa A. Roach, 803 Mulberry St., Murphysboro Cole W. Endres, 173 Wedgewood Lane, Du Quoin Kenneth L. Moore, 1005 Shawnee Trail, Apt. 5, Carterville Jennifer N. Norris, 207 W. 12th St., Johnston City Mark A. Norris, 207 W. 12th St., Johnston City Mikal Carmin Wagner, 274 Cashen Drive, Makanda Duane C. Grammer and Cassandra M. Kirkpatrick, 17 Hansen Way, Murphysboro Shane D. Shadowens, 109 Belinda Drive, Marion Kevin Scott and Tammy Lynn Hargis, 1601 New Era Road, Apt. 304, Carbondale Jerry A. Shepard, 10822 Pomona Road, Carbondale Kimberly J. Phelps, 471 N. 11th St., Herrin Jennifer M. Pengress, 315 Murphy St., Murphysboro Laura Crabtree, 2110 Roblee Ave., Murphysboro Mary R. Cordes, 5373 N. Thompsonville Road, Thompsonville Amanda N. and Gary W. Andress, 1104 E. Carter St., Marion Robert A. and Sara M. Rainey, 2108 Melony Lane, Apt. L., Marion Craig S. Sprehe, 619 S. Main St., Woodlawn, and Meghan K. Sprehe, 610 Chesterfield Commons, Apt. D., Mount Vernon Armentha I. Butler, P.O. Box 67, Grand Chain Samantha L. Jennings, 1408 W. Main St., Apt. B, Marion Lenorris Edward Hughes, 426 North St., Murphysboro, and Wendy Q.

Hughes, 121 E. Rodney Drive, Apt. G6, Cape Girardeau Terry A. Short, 1701 W. Dewey St., Marion Jacob O. and Kassandra A. Smith, 811 W. 15th St., Johnston City Debra A. Jeffers, 15353 Redman Road, Cairo

Chapter 13

Frank Lavern and Jennifer Lynn Henderson, 610 E. Seventh St., Metropolis Deana Marie Medford, 315 W. Massachusetts St., Steeleville Brian A. and Sara A. Candler, 8684 Elm Shade Road, Evansville Robert C. and Jeannean K. Sword, 9538 E. Bakerville Road, Mount Vernon Michael Ray Jones, 3300 Illinois 13 W., and Rena Lynn Jones, 28 W. Virginia, Harrisburg Katherine L. Essary, P.O. Box 336, Johnston City Della R. Roderick, 912 E. Main St., Marion Dora Alice Wrye, 709 Vienna St., Metropolis Michael R. and Rose L. Ren, 140 Cheynne Lane, Vienna Thomas B. and Kristi L. Chaundy, 610 E. Main St., De Soto Mark A. Keck, 1702 E. Boyton St., Apt. D, Marion Danny W. Gentry, 7847 Drew Road, Carbondale Donald R. and Diana Gail Carroll, 2691 Business Illinois 13, Murphysboro Nick D. Endres, 134 Illinois St., Pinckneyville Timothy R. and Joy Griffith, 13477 Ruembler Crossing, Benton Troy E. Tucker, 130 N. Bottom St., Sparta Michael S. and Lindsey A. Wilson, P.O. Box 554, Herrin Christa M. Wease, 2810 Mannen St., Mount Vernon Jacqueline Dale Schmellmyer, 1926 Gartside St., Murphysboro Darwin N. Roddy, P.O. Box 82, and Maliaka T. Evans, 621 Railroad St., Ullin Terra L. Cossette, 203 W. Fifth St., Johnston City Oscar R. and Melissa C. Rawson, P.O. Box 358, Cobden Donald R. and Andrea M. Creekpaum, 203 S. Monroe St., Apt. A, Marion John Paul Fulton, 1202 N. Staude St., Okawville Robbie L. Stone, 202 N. Horn St., West Frankfort

Rodney D. and Kimberly A. Blair, 1108 Trout Ave., Johnston City Michelle L. Hensgen, 605 Biby St., Christopher Chasity R. Person, 605 W. Owens St., Carbondale Jesse D. Averitt, 195 Susan St., Goreville Darris D. and Sheila L. Palmer, P.O. Box 74, Eddyville Nathan R. Feazel, 5470 Mount Moriah St., Harrisburg David A. Rednour, 901 E. A1 St., Percy William D. Shoemaker, 1611 Ralls Grove Road, Creal Springs Jason Christopher Burkett Sr. and Stacy Lynn Burkett, 331 N. Fourth St., Mount Vernon Judy Ann Hackstadt, 610 W. Elm St., Okawville Herbert R. Tobias III, 809 Binkley St., Marion William C. and Marjorie H. Groskopf, P.O. Box 493, Elkville David R. Matyi, 6435 Washington St., Mulkeytown Gina M. Williams, 1139 Illinois 4, Percy Beth A. Brandon, 508 N. Allyn St., Carbondale Valerie J. Sadberry, P.O. Box 146, Colp Justin T. and Nicole R. Bradfield, 2520 County Road 2125E, Grayville Frank A. Price, P.O. Box 204, Hurst Paul D. Cobb, 14032 Christmas Tree Road, Johnston City James T. Carver, 738 S. Jefferson Ave., Du Quoin Phillip A. Meyer, P.O. 3372, Carbondale Angela Renee Sheridan, 9070 N. Lighthouse St., Opdyke Gina S. Bearden, 13400 Etherton Road, Pittsburg Kenny Lee Branson, 109 W. Boulevard St., Marion Deborah K. Hodge, 635 W. Main St., Belknap Chester Lee and Melody Kay Jenkins, 2779 North Ave., Metropolis Jayson E. Silliman and Elizabeth D. Cates, 1114 Jordan St., Mount Vernon Michelle L. Vaughan, 10627 Mercury Road, Mulkeytown Debra S. Dunn, 75 Caraway Lane, Goreville Robert C. and Sheila L. McCabe, 110 Harding Lane, Ozark Charles R. and Cynthia A. Kirk, 13525 N. Panzier Lane, Woodlawn Michael R. Piotter, 1105 Mulberry St., Eldorado Sherry Coleman, 357 Egret Lake Road, Carbondale

Southern Business Journal

June 2014

KICKSTART youR nIghT

Now introducin g Limeade and Black Cherry flavors. These two ne w flavors give you just the right amount of kic k to get you ready for any thing the night brings your way. Availablle e now fr

nEW

pepsimidamerica .com

1.800.827.7020