sbj 10-01-2010

OCTOBER 2010

InsideO C T O B E R | 2 0 1 0

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 e-mail at [email protected]. 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 2010 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 Web site.

Contact usPublisher: Bob Williams n 618-351-5038

Editor: Gary Metro n 618-351-5033

Advertising: Abby Hatfield n 618-351-5024

Circulation: Trisha Woodside n 618-351-5035

Database Coordinator: Mark Doman n 618-351-5042

employment interview is narrower,more focused. Columnist Ed Renshawrecommends sticking with the threeareas that are most important in theinterview process — the applicant’seducation, work experience and abilityto do the specific job being applied for.If you limit your questions to thosethree areas of interest, it’s hard to askinappropriate questions.

Page 9

INDICATORSUnemployment still growing: Theremay be encouraging signs elsewhere inthe national economy, but joblessnessgrew in most Southern Illinois countiesfrom June to July, the most recentmonths for which full data is available.For the region, unemployment edged up 0.1, with the biggest jumps of 1.5 percent in Alexander County and0.9 in Jefferson and Johnson counties.Elsewhere in the indicators, new vehicle sales fell from June to Julyacross the 18 counties in the region.

Pages 12-13

ACHIEVEMENTSLearn the latest: Find out who hasbeen hired, who has been promoted orwho has received an award for theirefforts in business. If you know of abusiness or business person whodeserves special recognition foradvanced training, a unique honor oran expansion of business, please letus know at [email protected].

Pages 18

InsideYOUR BUSINESSFear and courage: Columnist JaneSanders offers perspective this monthon fear and courage — and persua-sively argues fear and courage areinseparable. If you don’t feel fear, youdon’t need courage. Fear is simply areaction, a physical sensation, to newchallenges and changes. Courage is adifferent commodity. Courage is a decision. You must make a decision to face fear and then step through it to the courage on the other side.

Page 6

MONEY MATTERS Storing financial documents: It’s notthe best practice to keep financial documents scattered in different locations. There are times when it’s necessary to quickly find bank statements, investment statements,credit card statements, mortgage documents, Social Security benefitsstatements and tax returns. Columnist Scott McClatchey recommends one central location,perhaps a filing cabinet, storage boxes or stackable storage units.

Page 7

EMPLOYMENT LAW Stick to business: There is a big difference between the conversationsof an employment interview and those of a cocktail party. The

Title of Publication: The Southern Business Journal; Publication No. 019988;Date of Filing, October 1, 2010; Frequency of issue: Monthly; No. of IssuesPublished Annually: 12; Complete Mailing; Address of Known Office of Publication:710 N. Illinois Ave., Carbondale, IL 62901; Complete Mailing Address of theHeadquarters of General Business Offices of the Publisher: 710 N. Illinois Ave.,Carbondale, IL 62901; Full Names and Complete Mailing Address of Publisher,Editor: Publisher, Robert M Williams, 710 N. Illinois Ave., Carbondale, IL 62901;Editor, Gary Metro, 710 N. Illinois Ave., Carbondale, IL 62901; OWNER: SouthernIllinoisan, Division of Lee Enterprises Inc., Lee Enterprises Inc., 130 E. SecondSt., Davenport, IA 52801.

Shareholders over 1 percent as of August 31, 2010: Betty Adler Schermer,210 Lake Ave, Aspen, CO 81615; Lloyd G. Schermer, 210 Lake Ave, Aspen, CO81615; Schermer Investment Partnerships, 10 S. Wacker Dr., 40th Flr, Chicago, IL60606; Grant E. Schermer, 10455 O’Brien Creek, Missoula, MT 59804; GregoryP. Schermer, 2160 St. Andrews Circle, Bettendorf, IA 52722; Lee EndowmentFoundation, c/o First Citizens National Bank, 2601 4th St, Mason City, IA 50402;Cedar Rock Capital Limited, 110 Wigmore St, London W1U 3RW, United Kingdom;California State Teachers Retirement System, 7667 Folsom Blvd., Ste 250,Sacramento, CA 95826; Ariel Capital Management, Inc., 200 E Randolph Dr,Chicago, IL 60601; Dimensional Fund Advisors LP, Palisades West, Building One,6300 Bee Cave Rd, Austin, TX 78746; Brown Brothers Harriman & Co, 63 WallSt, New York, NY 10005; First Clearing, LLC, 901 E. Byrd St, Richmond, VA23219; Charles Schwab & Co., Inc., 51 Mercedes Way, Edgewood, NY 11717;UBS Financial Services Inc., 1200 Harbor Blvd, Weehawken, NJ 07086; PershingLLC Securities Corporation, 1 Pershing Plaza, Jersey City, NJ 07399; Raymond,James & Associates, Inc., 880 Carilion Parkway, St. Petersburg, FL 33716; Bankof New York, One Wall St, New York, NY 10286; State Street Bank & TrustCompany, 1776 Heritage Dr., Quincy, MA 02171; Northern Trust Company,Processoral C-IN, Chicago, IL 60607; National Financial Services, LLC, 200Liberty St, New York, NY 10281; JP Morgan Chase Bank, 14201 Dallas Parkway,Dallas, TX 75254; Ameritrade, Inc., 51 Mercedes Way, Edgewood, NY 11717;Barclays Global Investors, 980 9th St, 6th Flr, Sacramento, CA 95814; PNC Bank,National Association, 8800 Tinicum Blvd, Philadelphia, PA 19153;Citigroup GlobalMarkets Inc., 333 W 34th St, New York, NY 10001; Banc of America SecuritiesLLC., 300 Harmon Meadow Blvd., Secaucus, NJ 07094; E*Trade Clearing LLC,10951 White Rock Rd., Rancho Cordova, CA 95670; Scottrade Inc., 51 MercedesWay, Edgewood, NY 11717;Scottrade Inc., 51 Mercedes Way, Edgewood, NY11717; Boston Safe Deposit & Trust Co., 525 William Penn Pl., Ste 3418,Pittsburgh, PA 15259; Credit Suisse First Boston LLC, 51 Mercedes Way,Edgewood, NY 11717; Goldman Sachs & Co., 180 Maiden Ln, New York, NY10038; Bear Stearns Securities Corp., One Metrotech Center N., 4th Flr, Brooklyn,NY 11201’ Sterne Agee & Leach, Inc., 813 Shades Creek Parkway, Ste 100-B,Birmingham, AL 35209; Wells Fargo Investments, LLC, 608 2nd Ave S.,Minneapolis, MN 55402. Known bondholders, mortgage holders and othersecurity holders: Deutsche Bank Trust, 5022 Gate Parkway Bldg 100, New York,NY 10015; AIB Debt Management, 405 Park Ave., Ste 1005, New York, NY10022; Allied Irish Bank, 405 Park Ave., New York, NY 10022; Archview CreditOPP Fund LP, 70 E 55th St, 14th Flr, New York, NY 10022; Archview Credit OPP MFLtc., 700 E 55th St, 14th Flr, New York, NY 1002; Associated Bank, 401 E.Kilbourn Ave., Milwaukee, WI 53202; Bank of America, 101 N Tryon St. MS-NC-001-15-03, Charlotte, NC 28255; Bank Nova Scotia, One Liberty Plaza 26th Flr.,New York, NY 10006; Bank of New York, One Wall St., 16th Flr., New York, NY10286; Bank of Communications, One Exchange Plaza/55 Broadway 31st Flr.,New York, NY 10006; Bank of Tokyo-Mitsubishi UFJ LTC, 69 W. Washington St.,Chicago, IL 60602; Bank of West, 281 S. Figueroa Ste 200, Los Angeles, CA90012; Barclays Bank PLC, 200 Park Ave, Ste 3W, New York, NY 10166; BlueCross of CA, One Well Point Way, Thousand Oaks, CA; Citibank, Two Penn`s WaySte 110, New Castle DE 19720; Citigroup Finance Products, Inc, 399 Park Ave,New York, NY 10043; Comerica Bank, 9920 S. LaCienega Blvd.,14th Flr.,Inglewood, CA 90301; Credit Suisse Loan Funding LLC, One Madison Ave., 2ndFlr, New York, NY 10010; Debello Investors LLC June 10 fr Goldman, 411 WPutnam Ave, Ste 125 Greenwich, CT 06831;Deutsche Bank AG Cayman Island,600 Wall St, 3rd Flr., New York, NY 10005; Erste Group Bank AG., 280 Park Ave.,New York, NY 10017; Fayett Group LLC, 777 Westchester Ave., Ste 203, WhitePlains, NY 10604; Fayett Group LLC, 777 Westchester Ave., Ste 203, WhitePlains, NY 10604; Fortis Bank SA/NV, 520 Madison Ave., New York, NY 10022;Goldman Sachs Lending Partners, 1 New York Plaza, 42 Flr, New York, NY 10004;GPC 76 LLC, Four Greenwich Office Park, Greenwich, CT 06831; HSH Nordbank,Kiel, 230 Park Ave., 31st Flr., New York NY 10169; Institutional BenchmarksSeries (Southpaw CR OPP), 4 Greenwich Office Park, #4, Greenwich, CT 06831;JPMorgan Chase NA, One First National Plaza, Chicago, IL 60670; Luxor Capital,LLC, 599 Lexington Ave., 35th Flr., New York NY 10022; Marblegate SP OPP MSFD LP, 150 E 52nd St, 10th Flr, New York, NY 10022; Mega Intl Commercial BankCo FKA CIAO Tung Bank, One World Financial Ctr., 200 Liberty St., 30th Flr., NewYork NY 10281; Morgan Stanley Bank, NA, 750 Seventh Ave., 11th Flr., NewYork, NY 10020; Northern Trust, 50 South LaSalle St., Chicago, IL 60675; QuadCity Bank & Trust, 3551 7th St. Ste 101, Moline, IL 61265; RABO, 245 Park Ave,38TH Flr, New York, NY 10167; Scotiabank, Inc, 600 Peachtree St. N.E. Ste2700, Atlanta, GA 30338; Southpaw Credit Opportunity Master Fund, 4 GreenwichOffice Park, #4, Greenwich, CT 06831; Suntrust Bank Atlanta, 55 Park Pl.,Atlanta, GA 30303; UBS AG July 2010 fr Archview-A term only, 677 WashingtonBlvd, Stamford, CT 06901; United Oversea, UOB Bldg., 592 5th Ave., 48th St.,New York, NY 10036; United Overseas Bank Limited, 592 Fifth Ave., 10th Flr,New York, NY 10036; US Bank NA, 601 Second Ave. So. MPFP0512,Minneapolis, MN 55402; Wachovia Bank, N A (Fst Union). 1600 Scotland Ave.,Charlotte, NC 28207; Webster Bank, Citi Place II 185 Asylum St., Hartford, CT06103; Wellpoint Inc, 655 15th St NW, Washington DC 20005;Wells Fargo, 420Montgomery 9th Flr., San Francisco, CA 94163; West LB, 1211 Avenue of theAmericas, New York, NY 10036; Whippoorwill Distressed, 11 Martine Ave., 11thFlr, White Plains, NY 10036; Whippoorwill Offshore Dis LTD, 11 Martine Ave, 11thFlr, White Plains, NY 10606; Whippoorwill Profit Sharing, 11 Martine Ave., 11th Flr,White Plains, NY 10606; Wilshire Institutional Master Fund, 4 Greenwich OfficePark #4, Greenwich, CT 06831; Wexford Spectrum Investors June 10 fr GoldmanA Term, 411 W Putnam Ave., Ste 125 Greenwich, CT 06831; Monarch AlternativeCapital LP, 535 Madison Ave., Flr 26, New York, NY 10022; Archview InvestmentGroup, 70 E 55th St, 14th Flr, New York, NY 10022; Marblegate AssetManagement, 150 E 52nd St, 10th Flr, New York, Ny 10022; Troob CapitalManagement, LLC, 777 Westchester Ave., Ste 203, White Plains, NY 10604;Prudential Insurance Company of America, Two Gateway Center, 10th Flr, Newark,NJ 07102; Pruco Life Insurance Company, Two Gate Center, 10th Flr, Newark, NJ07102; Prudential Annuities Life Assurance, Two Gateway Center, 10th Flr,Newark, NJ 07102; Deutsche Bank Securities, 5022 Gate Parkway, Ste 100,Jacksonville, FL 32256; Ferry Street LLC, Global Corporate Trust-CDO, 1 N LaSalleSt, 7th Flr, Chicago, IL 60602; Pacific Life Insurance Company, 700 NewportCenter Dr, Newport Beach, CA 92660.

Mary Junck.September 201015. Extent and nature of circulation. Average no. of copies each issue during

proceeding 12 months (8 months as requestor and 4 months as non requestor);Actual number copies of single issue published nearest to filling date; Totalnumber copies (Net Press Run) 4900/4900. B. Legitimate paid and/orrequested distribution by mail and outside mail; Paid and/or requestedcirculation; 1. Outside County paid/requested mail subscriptions; 1266/0. 2. In-County paid/requested mail subscriptions; 3505/0. 3. Sales through Dealersand Carriers, Street Vendors, Counter Sales, and Other Non-USPS PaidDistribution 0/0. 4. Requested copies distributed by other classes mail throughthe USPS; 4763/4761; C. Total Paid and/or Requested Circulation (sum of 15b1, 2, 3, 4); 9534/4761. D. Non requested distribution by mail and outside themail; 1. Outside County Non requested copies; 0/0. 2. In County non requestedcopies; 0/0. 3. Non requested copies distributed through the USPS by otherclasses of mail; 0/0. 4.Non requested copies distributed outside the mail;pickup stands, trade shows, showrooms and other sources 0/0. E. Total nonrequested distributions (Sum of 15d (1) (2) (3) and (4); 0/0. F. Total Distribution(Sum of 15c, and 15e); 9534/4761. G. Copies not distributed; 0/0. H. Total(sum of 15f and 15g); 9534/4761. I. Percentage Paid and/or RequestedCirculation (15c/f x 100) 100%/100%.

I certify that all information on this form is true and complete. Signature andtitle of Publisher, Robert M Williams, Publisher.

October 1, 2010 #00165658

STATEMENT OF OWNERSHIP, MANAGEMENT AND CIRCULATION

http://www.sbj.biz

mailto:[email protected]


http://www.jalc.edu

http://www.pepsimidamerica.com

http://www.sih.net

http://www.siu.edu

http://www.siucu.org

http://www.oliverins.com/

http://www.sbj.biz

OCTOBER 2010 SOUTHERN BUSINESS JOURNAL 3

Cover StoryFor most part, sun shining on agriculture these days

In era of a national recession, job layoffsand general uncertainty about theAmerican economy, one Southern Illinoissector is prospering. Agriculture, theproduction of foodstuffs and industriesrelated to that production, has beenvirtually unscathed by the nationaleconomic downturn.

“I would say the economic condition ofagriculture is pretty sound right now,” saysDoug Anderson, manager of WhiteCounty Farm Bureau. “The agricultureeconomy doesn’t necessarily coincidewith the general economy of the county.The ag economy is a result of differentparameters. The price of grain, inputs,interest rates and land prices all are factorsthat drive the economics of agriculture.”

Agricultural economist Kim Harris ofthe Department of AgribusinessEconomics at Southern Illinois UniversityCarbondale explains that several factorsare contributing to the somewhat robustfarm economy.

“Commodity prices — the revenuefarmers receive for their crops — are andhave been above the cost of production,sometimes substantially above the cost,”he says. “While the costs of inputs haverisen somewhat, they have not gone updramatically, so we don’t have a reallysevere profit squeeze.”

Harris says that agricultural inputs

BY LES O’DELLSBJ CORRESPONDENT

THE SOUTHERN FILE PHOTOAgriculture, the production of foodstuffs and industries related to that production, has beenvirtually unscathed by the national economic downturn.

Find more business newsat www.sbj.biz.

SEE COVER STORY / PAGE 4

http://www.sbj.biz

http://www.oliverins.com

OCTOBER 2010SOUTHERN BUSINESS JOURNAL4

Cover Storyinclude expenses such as seed, fertilizer,equipment and hired labor. He adds thatrural banks, unlike some metropolitaninstitutions, are on solid financial footing.

“Overall, we’re doing well,” he adds.“We’ve not seen many bankruptcies andthe farm banks are healthy; we’re notseeing the bank failures that we hear aboutin the media.”

He says one reason for that is that theindustry recalls tougher times.

“The farm economy had a real crisisback in 1980 through 1983,” he says.“That’s when we had a lot of farmers gobankrupt and many lost their farms. Therewas something like 350 farm or agriculturebanks fail. I think everybody learned fromthat and the lenders changed theirpractices, while producers now have muchless debt and operate their farmsdifferently.”

One factor that distinguishesagriculture from other sectors of theeconomy is the large number of producers.Harris says there are more than 2 millionfarms nationwide. He says most farms,nearly two-thirds, are classified by theU.S. Department of Agriculture as non-commercial or small commercialoperations.

“The USDA defines this based on grossfarm cash income, with a non-commercialfarm having income of less than $10,000annually,” he says. “Small commercialfarms have income of less than $250,000.”

Harris says that a majority of thesesmall farms could be called part-timeoperations or hobby farms.

“When you look at the farm, just thefarm, is it making money? Probably not,”he says. “In most of these cases, it is likelyboth the husband and the wife are workingoff of the farm. The farm is important tothem for a variety of reasons, and they’rewilling to work off of the farm tosupplement the farm or to keep it in thefamily.”

Still, there is a myth of corporate farms.“Everyplace I go, people will express

often that corporate America controlsagriculture today, but that’s not true,” hesays. “Only 2 percent of farms are ownedby big business.”

However, that does not mean there is anabsence of large farms operated as abusiness.

“In terms of production, 12 percent ofthe nation’s farms produce 84 percent ofthe gross income,” he says. “Many of theseare large, family-incorporated farms with

outside labor, but there’s not a board ofdirectors.”

It is a large family farm that JordanRuppert hopes to return to once hecompletes his agriculture degree at SIUC.For him, the family’s 1,700 acres nearPinckneyville is more than just a careerchoice; it is a lifestyle.

“I plan on going straight back to thefarm,” he says. “I’ve always had a highinterest in it, and it is what I’ve alwayswanted to do.”

Ruppert approaches farming as both abusiness and a science. He says he haslearned economic techniques and how toapply advanced technology to cropproduction.

“I feel a lot more prepared to farm.I’m learning the importance of goodmanagement and precision

agriculture,” he says.Precision agriculture, he explains,

involves the use of software to select andapply the proper inputs, such as seedvarieties and fertilizer, with pinpointaccuracy.

“It saves money and is a lot better forthe environment,” he adds.

A growing number of young people,including Ruppert, are exploring interestsin agriculture. Membership in theNational FFA organization, a high schoolorganization for students in agriculture,reached an all-time high this year,smashing a record set in 1977. Locally,Mount Vernon Township High School’sFFA chapter boasts 236 members, saysinstructor John Kabat. Membership wasjust 35 in 1985.

“We tell these students that agriculture

is huge,” Kabat says. “Farmers produce 10other jobs. In Southern Illinois, agricultureand coal are the basis for most of our jobs.We can’t let either one of them go.”

Kabat says that every year, just one ortwo graduates plan on-farm careers. Manymore look to agriculture-related fields.One reason for the low number offarmers-to-be is simple economics, FarmBureau’s Anderson says.

“Finances are the biggest barrier forentering farming,” he explains. “It isalmost impossible for a young person whodecides to be a farmer to get into theindustry because of the high capitalrequirement.”

Anderson adds that Southern Illinoisfarmland sells for as much as $5,000 peracre.

“When you add that to equipment that

THE SOUTHERN FILE PHOTOLeon McClerren of Thompsonville runs a combine at his farm.


Proudly Offering Thomas Coffee in Southern Illinois

1-800-827-7020www.pepsimidamerica.com

Thomas Coffee is now available at your local grocery

store and your favorite restaurant. Enjoy it at your

business too!

FOOD SERVICES

Cover Storyruns in the hundreds of thousands ofdollars, plus seed and fertilizer, you’retalking about a major investment,” hesays.

Harris says as many as 10 percent ofhis students plan on farming, almostwithout exception, to an operation thathas been passed down from generation togeneration. He says there are very fewfirst-generation farms, and the farms thestudents return to are large.

“I can hardly think of a scenario wheresomeone breaking into production wouldbe successful without help from arelative,” he explains. “Students aregoing back to farms where Dad is aboutto take a junior position and his son ordaughter is going to take over theprincipal operation of the farm. Today,when I ask kids how big is your farm, Ihear 3,000 acres, 4,000 acres, or even6,000 acres.”

He adds that like in the generalbusiness world, a high number of “BabyBoomer” farmers will be retiring in

coming years, selling their acreage tolarger farms or transferring their land tochildren.

“I think nationally, we’re going to seemiddle-sized farms slowly disappear,” headds. “Remember, there is an economicadvantage to larger farms in that theaverage cost of production is lower. Inother words, you have to produce a lot ofoutput because you get just a small profiton each bushel that you produce. It is ahigh-volume, narrow-margin type ofbusiness.”

That is why future producers such asRuppert plan to take advantage oftechnology and education, even duringgood economic times.

“I know our farm took three or fourgenerations to get where it is now,” hesays. “I want to make the best of what Ihave.”

LES O’DELL of Carbondale writes regularlyfor The Southern Illinoisan and SouthernBusiness Journal.

Not all agriculture is boomingNot all subsectors of the agriculture economy are booming, cautions one local

fruit grower.Wayne Sirles, vice president and farm manager for Rendleman Orchards

near Alto Pass, says his portion of the industry is tied more closely to the national economy, as a whole, than the corn-soybeans-and-cattle side ofagriculture.

“I’m affected more by the economy than those who raise agronomic crops,” Sirles says. “They produce more of the staple foods, but if the price of our final product is a little higher than normal, consumers may be less prone tobuy it.”

He explains that corn, for instance, is an ingredient in many other foods.Apples, on the other hand, are a final product.

“My product goes straight from the field to your table,” he says.Sirles says the biggest factor is fuel prices, because transportation costs make

up a large portion of the final price of apples, peaches or nectarines. Higher-priced fuels and supplies, along with consumers with less disposable income,have combined to make times tougher on fruit and vegetable producers.

“It’s harder to make a living in my business than it was four or five years ago,”he says. “The costs required to raise a crop have increased more than what we getfrom that crop. It’s more and more challenging each year.”

— Les O’Dell



Your BusinessOCTOBER 2010SOUTHERN BUSINESS JOURNAL6

G I F T S H O P

2015 WEST MAIN ST. • CARBONDALE, IL 62901PHONE: 618.549.1031 • FAX: 618.529.7827

YOU WANT TO LEAVEAN IMPRESSION ...SO DO WE!• CLIENT & EMPLOYEE GIFTS• CUSTOMIZED GIFT BASKETS• VOLUME DISCOUNTS

LOCALLY OWNED AND OPERATED FOR 37 YEARS.CALL AND ASK FOR BECKY!

DUTCH GUTTERINGSeamless Aluminum Guttering

Repair & Service • Leaf Guard SystemResidential & CommercialNo More Cleaning Gutters!

Get Ready For Fall • Quality Work & Dependability

Carbondale, IL • 618-351-1881

Exploring the unexpected connection: Fear and courage

Everyone feelsfear. Yes, even thebravest of heroes,even those peoplewho run intoburning buildingswhen everybodyelse is running outof them. How dothey do that? Whydo they have so

much more courage? How do theyovercome the fear?

They don’t. They feel the fear and takeaction anyway.

Business people usually don’t have torun into burning buildings, but they dohave fears to face. Here are somethoughts about fear and courage.

Everyone has both. The key differencebetween us and the brave hero is that thehero lets him/herself feel the fear. We,however, let it paralyze us, and we try towait it out, hoping it will go away. Itwon’t. Heroes know that if they letthemselves feel the fear, and hold onto itjust one moment longer, they will pushthrough to the courage on the other side.They take action in spite of the fear.

One of my favorite businessmagazines, Fast Company, printed anarticle in September 2004 written byJohn McCain. In that article, McCainwrote one of the best perspectives oncourage that I have ever read: “Courage

is the highest quality of life attainable byhuman beings. It’s the moment, howeverbrief or singular, when we are ourcomplete, best self, when we know withan almost metaphysical certainly thatwe are right. One thing we can claimwith complete confidence is that fear isindispensable to courage that it mustalways be present for courage to exist.You must be afraid to have courage.Don’t let the sensation of fear convinceyou that you’re too weak to havecourage. Fear is the opportunity forcourage, not the proof of cowardice.”

There it is. Fear and courage areinseparable. If you don’t feel fear, youdon’t need courage. McCain’s lastsentence above is one of my favoritequotes ever (not necessarily a reflectionof my politics, however).

One perspective is that fear is simply areaction, a physical sensation, to newchallenges and changes. Fear has beenbuilt into us to protect us. In the earlystages of mankind, we needed fear to runaway from a saber-tooth tiger or enemy.We need fear to keep us from crossing abusy highway on foot during rush hour. These sensations of fear have keptus alive and still do from time to time.But, these days, most situations thatpeople fear don’t involve life-threatening issues. They may feel like itthough.

Perhaps it will help you face your fearsby keeping in mind that the fear you feelis merely a physiological response andwill not hurt you. It’s your body saying,

“Look out. Something new and differentis happening (or, you need to dosomething new or different) so beaware!”

Another point to remember is thatcourage is not a gift for a chosen few. Itis a decision. We have to make aconscious choice to step up to asituation and let ourselves feel that fearand then step through it to the courageon the other side.

Several years ago, while volunteeringat a horse ranch to take rides out inMalibu, Calif., a dog attacked the horse Iwas on and I fell off. I was hurt badlyenough to keep me from riding forseveral months. (I hate to miss riding.) Ilost my confidence and was afraid toride the more difficult horses, whichwere the ones I always rode before myaccident. For months, I chose easierhorses to ride, at the same time beatingmyself up for being chicken. Finally, Igot fed up with myself.

On the way to the ranch one day,driving my car up Pacific CoastHighway, I said out loud, “I wish I wasthe rider I used to be!” Somethingclicked. In that moment, I realized I hadbeen waiting for the fear to just go away,and that it would not be that simple. Irealized I had to make the decision topush through it.

That very day, I pulled a spooky horseout of the pasture and used him as mytrail boss horse for a ride. I told myself Irode him a million times before and I canride him a million times again, and that

the chances of a dog attacking againwere very small. It was wonderful. Thetruth is I am a different rider after thatexperience. There’s a lot of courage inignorance, when you aren’t aware ofwhat can happen. But I am a smarter,more alert rider, not a more timid one.

I took action. Action is the mostimportant element of courage. Walk intowhat you’re afraid of; 99.9 percent ofthe time, it will not kill you. I’ll take that.1 percent chance. Will you?

JANE SANDERS is a speaker, trainer andfacilitator in the areas of gendercommunication, strategic business orwork/life planning, presentation skills,authentic leadership confidence, recruitingand retention of women, and selling towomen. She also facilitates brainstorming,best practice, and strategic planningsessions and retreats. Her clients includeToyota, MassMutual, Prudential, U.S.Steel, Walgreens, Mayo Clinic and manymore. Located in Mount Vernon, she is thecreator of the Undercover Confidanteservice, offering discovery and solutions tochallenging employee issues. She is authorof “GenderSmart: Solving TheCommunication Puzzle Between Men andWomen,” available on her website. Reachher at 618-204-5540, [email protected] or www.janesanders.com.

Sanders

BY JANE SANDERSSBJ CONTRIBUTOR


http://www.janesanders.com

http://www.sbj.biz


PROPERTY with TLC, LLCREAL ESTATE

201 N. Park Ave, Herrin • 618-988-1739109 E. Egyptian Ave., Christopher • 618-724-2600

www.propertywithtlc.com

READY NOW! SEE VIRTUAL TOUR ON WEBSITE LINKS!

MARION: 6173 Arbuckle. NEW CONSTRUCTION! NICE 3 or 4bedroom 2 bath brick home! 1 year warranty, cherry cabinets,pantry, stainless appliances, jet tub, trey ceiling in master, largeclosets, 2 car attached garage, all on 1.5 acres! This home hasbeen finished to abide with all potential upgraded codes includ-ing a 3.5 ton Trane unit, extra insulation, smoke detectors in allbedrooms, etc.

REDUCED TO $186,900. MLS #284841.

Your Business is a

Work of Art...

Showcase it with

Stained Glass

Money MattersKeeping financial documents:

What should you store in one easily accessible place?

You might besurprised how manypeople have financialdocuments scatteredall over the house —on the kitchen table,underneath oldnewspapers, in thehall closet, in thebasement. If thisdescribes your

financial “filing system,” you may have atough time keeping tabs on your financiallife.

Organization will help you, youradvisers and even your heirs. If you’ve gota meeting scheduled with an accountant,financial consultant, mortgage lender orinsurance agent, spare yourself a last-minute scavenger hunt. Take an hour ortwo to put things in good order. If nothingelse, do it for your heirs. When you pass,they will be contending with emotionsand won’t want to search through yourhouse for this or that piece of paper.

One large file cabinet may suffice. Youmight prefer a few storage boxes, orstackable units sold at your local big-boxretailer. Whatever you choose, here iswhat should go inside:

Investment statements: Organize themby type: IRA statements, 401(k)

statements, mutual fund statements. Theannual statements are the ones that reallymatter; you may decide to forego filing thequarterlies or monthlies.

When it comes to your IRA or 401(k), isit wise to retain your Form 8606s (whichreport nondeductible contributions totraditional IRAs), your Form 5498s (the“Fair Market Value Information”statements that your IRA custodian sendsyou every May), and your Form 1099-Rs(which report IRA income distributions).1

In addition, you will want to retain anyrecord of your original investment in afund or a stock. (This will help youdetermine capital gains or losses. Yourannual statement will show you thedividend or capital gains distribution.)

Bank statements: If you have any fear ofbeing audited, keep the last three yearsworth of them on file. You may questionwhether the paper trail has to be that long,but under certain circumstances (lawsuit,divorce, past debts) it may be wise to keepmore than three years of statements onfile.

Credit card statements: These are lessnecessary to have around than manypeople think, but you might want to keepany statements detailing tax-relatedpurchases for up to seven years.

Mortgage documents, mortgagestatements and HELOC statements: As arule, keep mortgage statements for theownership period of the property plus

seven years. As for your mortgagedocuments, you may wish to keep themfor the ownership period of the propertyplus 10 years (though your countyrecorder’s office likely has copies).

Annual Social Security benefits statement: Keep the most recent one, as itshows your earnings record from the dayyou started working. Please note, however,that if you see an error, you will want tohave your W-2 or tax return for theparticular year on hand to help SocialSecurity correct it.

Federal and state tax returns: The IRSwants you to hang onto your returns untilthe period of limitations runs out, that is,the time frame in which you can claim acredit or refund. The standard IRS auditlooks at your past three years of federal taxrecords. So you need to keep three years offederal (and state) tax records on hand,and up to seven years to be really safe. Taxrecords pertaining to real property or “realassets” should be kept for as long as youown the asset (and for at least seven yearsafter you sell, exchange or liquidate it).

Payroll statements: What if you own abusiness or are self-employed? Retainyour payroll statements for seven years orlonger, just in case the IRS comesknocking.

Employee benefits statements: Does yourcompany issue these to you annually orquarterly? Keep at least the most recentyear-end statement on file.

Insurances: Life, disability, health, auto,home. You want the policies on file, andyou want policy information on hand forthe life of the policy plus three years.

Medical records and health insurance: The consensus says you should keep thesedocuments around for five years after thesurgery or the end of treatment. If youthink you can claim medical expenses onyour federal return, keep them for sevenyears.

Warranties: You only need them untilthey expire. When they expire, toss them.

Utility bills: Do you need to keep thesearound for more than a month? No, youreally don’t. Check last month’s statementagainst this month’s, then get rid of lastmonth’s bill.

If this seems like too much paper to file,buy a sheet-fed scanner. If you want to getreally sophisticated, you can buy one ofthese and use it to put financial records onyour computer. You might want to have the hard copies on file just in caseyour hard drive and/or your flash drive go awry.

SCOTT MCCLATCHEY is a founder and LPLFinancial Adviser with Alliance InvestmentPlanning Group, a Carbondale-basedinvestment firm located at 115 S. WashingtonSt. He can be reached at 618-519-9344 [email protected] offered through LPL Financial,Member FINRA/SIPC.

McClatchey

BY SCOTT MCCLATCHEYSBJ CONTRIBUTOR

http://www.propertywithtlc.com


http://www.propertywithtlc.com

http://www.glasshaunt.com

http://www.jalc.edu

Job interviewsremain an essentialpart of the hiringprocess. While jobinterviews can beenjoyable for bothparticipants, it isimportant for theinterviewer toremember that theconversation in a

job interview is not the same as theconversation between two people at acocktail party.

While the purpose of an interviewfrom the employer’s perspective is tolearn as much about the applicant aspossible, it is important that you requestonly information that relates to theapplicant’s ability to do the job. So,while you might learn at a cocktail partythat a person is married, has threechildren, suffers from diabetes, was bornin Pakistan in 1965, is in the NationalGuard and smokes cigarettes, obtainingthis same information during a jobinterview could get you into trouble. So,let’s take a look at some dos and don’tsin the area of interview questions.

The most important “do” ofinterviewing is to stick with the threeareas that are most important in theinterview process — the applicant’seducation, work experience and abilityto do the specific job being applied for. Ifyou limit your questions to those threeareas of interest, it’s hard to askinappropriate questions.

The second important “do” that flowsfrom the first is to have your interviewquestions prepared in advance and touse the same questions for allapplicants. While interviews may flowinto unexpected topics, if you try to stickwith the outline you have prepared, youhave much less chance of asking animproper question.

Now, some of the “don’ts.” There aremany questions which are inappropriateto ask job applicants — not because thequestion itself is prohibited by any law,but because the answer may give theinterviewer information that could be

used to illegally discriminate against theapplicant. Here are some areas ofquestioning that must be avoided so thatyou will not find yourself the defendantin a lawsuit alleging discrimination.

Applicants should not be asked theirage unless the question is intended onlyto establish that the applicant is of legalage to work under state labor laws.While asking someone’s age is notagainst the law, if the applicant is over40 and the job goes to someone underthat age, he or she may charge theemployer with age discrimination. And,don’t ask any questions, during theinterview or on the written application,that could indicate the person’s age,such as high school or collegegraduation dates.

Applicants should not be asked aboutany disabilities. The Americans withDisabilities Act prohibits questionswhich could elicit information about aphysical or mental disability. You canask about the applicant’s ability toperform the essential functions of thejob. However, you should not ask if theapplicant needs any type ofaccommodation to perform the jobbecause that could require the applicantto divulge specific disabilityinformation.

Applicants should not be asked for aSocial Security number before beinghired. This could be construed as anattempt to find out an applicant’snational origin. If the applicant is nothired, he or she may charge that the

question was intended for that purposeand did not get the job due to his or hernational origin. It is far better to notknow the applicant’s national originthan it is to be accused of discriminationon that basis.

Applicants should not be asked aboutprior arrests. The Illinois Human RightsAct specifically prohibits discriminationbased on a person’s arrest record.However, it is permissible to ask aboutcriminal convictions and to use thatinformation in the hiring decision if theconviction is related to the job.

Applicants should not be asked abouttheir personal habits, such as smoking ordrinking, during their non-work time. InIllinois, the Right to Privacy in theWorkplace Act prohibits an employerfrom refusing to hire an applicantbecause the person “uses lawfulproducts off the premises of theemployer during nonworking hours.”Many employers may not want smokersor drinkers as employees, but askingabout non-work smoking or drinkingcould land an employer in court.

Other areas of questioning to avoidinclude religion, family responsibilitiesand military reserve status. Again, whilethe questions may not be illegal, theanswers may give the impression thatdiscrimination occurred when theapplicant didn’t get the job.

When interviewing job applicants,have the questions outlined in advanceand do your best to ask the samequestions to all applicants. Keep focused

on education, experience and the jobrequirements. While you can learn moreabout applicants when you ask moreintimate questions, that informationmay come back to bite you.

ED RENSHAW is a partner with theCarbondale law firm of Feirich/Mager/Green/Ryan. F/M/G/R is a general practicelaw firm offering a full range of legalservices, including labor and employmentlaw, commercial transactions, banking, realestate, workers’ compensation, municipallaw and estate planning. The firm’stelephone number is 618-529-3000 and itswebsite is www.fmgr.com.


•• RReessiiddeennttiiaall CCoonnssttrruuccttiioonn•• CCoommmmeerrcciiaall CCoonnssttrruuccttiioonn•• RReettaaiill SSttoorraaggee

JMO Now Presents Side Load Containers

618-997-6072 or www.jimsmobileoffices.com

RRoouuttee 1133 CCaarrtteerrvviillllee998855--88333311

HHoouurrss:: MMoonn--FFrrii 99--66 •• SSaatt 99--44

Serving Southern Illinoisfor over 20 Years

Quality JewelryHonest, Dependable Service

Everyday Low Prices

“We Buy Gold”

MMoorree TThhaann JJuusstt aaJJeewweellrryy SSttoorree

Employment LawMake sure interview questions are just about the job

Renshaw

BY ED RENSHAWSBJ CONTRIBUTOR


http://www.fmgr.com

http://www.jimsmobileoffices.com

http://www.sbj.biz

St. Louis

MarionCape Girardeau And Beyond

From $49 each way.Connect to the world with fast, frequent flightsfrom Marion, IL. Free parking and easy baggage check-throughs. To book your trip, call us or visit capeair.com.or call your travel agent.*Fares subject to change.

6 flights daily from Marion to St. Louis.4 flights daily from

Cape Girardeau to St. Louis.

• AA Code Share Participant• FREE Parking• First Bag FREE 866-Cape-Air ~ capeair.com


http://www.capeair.com


Oct. 1Beginning QuickBooks 2009: 8:30

a.m. to 4 p.m., Room F112, John A.Logan College Center for Business &Industry, 700 College Road, Carterville.Cost is $55. Call 618-985-2828,ext. 8510 or e-mail [email protected].

Oct. 4Beginning Excel 2003: 8:30 a.m.

to 4 p.m., Room F112, John A. LoganCollege Center for Business & Industry,700 College Road, Carterville. Cost is$55. Call 618-985-2828, ext. 8510 or e-mail [email protected].

Oct. 5Beginning Access 2007: 8:30 a.m.


Starting a Small Business Workshop: 1 to 3 p.m., River Room, ShawneeCommunity College, 8364 ShawneeCollege Road, Ullin. Free. Call 618-634-3254 or e-mail [email protected].

Starting a Business in Illinois Seminar:1 to 3 p.m., Room 150, Dunn-RichmondCenter, 150 E. Pleasant Hill Road,Carbondale. Free. An optional businessstart-up kit is available for $15. Call 618-536-2424 or e-mail [email protected].

Intro to Government ContractingWorkshop: 3 to 4 p.m., Room 150,Dunn-Richmond Center, 150 E. PleasantHill Road, Carbondale. Free. Call 618-536-2424 or e-mail [email protected].

Finding Financing Seminar: 3 to 5 p.m.,Room 150, Dunn-Richmond Center,150 E. Pleasant Hill Road, Carbondale.Free. Call 618-536-2424 or [email protected].

Oct. 6Beginning Excel 2007: 8:30 a.m.


Oct. 6 and 7How to Sell on eBay Workshop: 5:30

to 8:30 p.m., Dunn-Richmond CenterComputer Lab, 150 E. Pleasant Hill Road,Carbondale. Cost is $95 for the two-dayworkshop. Materials are included in theregistration fee. Call 618-536-2424 or e-mail [email protected].

Oct. 7Time & Stress Management: 8:30 a.m.


Oct. 8Beginning Access 2003: 8:30 a.m.


Oct. 12Intermediate Access 2007: 8:30 a.m.


Oct. 13Intermediate Excel 2007: 8:30 a.m.


Oct. 15Intermediate Access 2003: 8:30 a.m.


Oct. 16Food Sanitation Refresher Course:

8:30 a.m. to 2:30 p.m., ShawneeCommunity College, 8364 ShawneeCollege Road, Ullin. Cost is $45. Call618-827-4930 to reserve a seat.

Oct. 18Beginning Publisher 2007: 8:30 a.m.

to 4 p.m., Room F112, John A. LoganCollege Center for Business & Industry,700 College Road, Carterville. Cost is $55. Call 618-985-2828,ext. 8510 or e-mail [email protected].

Oct. 19Advanced Access 2007: 8:30 a.m.


Oct. 20Advanced Excel 2007: 8:30 a.m.


Oct. 21Intermediate Excel 2003: 8:30 a.m.

to 4 p.m., Room H125, John A. LoganCollege Center for Business & Industry,700 College Road, Carterville. Cost is$55. Call 618-985-2828, ext. 8510 or e-mail [email protected].

Team Building: 8:30 a.m. to 4 p.m.,Room F110, John A. Logan CollegeCenter for Business & Industry, 700College Road, Carterville. Cost is $90.Call 618-985-2828, ext. 8510 or [email protected].

Starting a Small Business Workshop: 9 to 11 a.m., Shawnee CommunityCollege Anna Extension Center, 1150 E.Vienna St., Anna. Free. Call 618-634-3254 or [email protected].

Oct. 22Intermediate QuickBooks 2009:

8:30 a.m. to 4 p.m., Room F112, John A.Logan College Center for Business &Industry, 700 College Road, Carterville.Cost is $55. Call 618-985-2828, ext.8510 or e-mail [email protected].

Oct. 25Beginning Word 2007: 8:30 a.m.


Oct. 26Advanced Excel 2003: 8:30 a.m.


Oct. 27Visio 2007: 8:30 a.m. to 4 p.m.,

Room F112, John A. Logan CollegeCenter for Business & Industry, 700College Road, Carterville. Cost is $55.Call 618-985-2828, ext. 8510 or [email protected].

Starting a Business in Illinois Seminar: 10 a.m. to noon, Marion Man-Tra-Con, Illinois Centre Mall, Marion.Free. An optional business start-up kit isavailable for $15. Call 618-536-2424 ore-mail [email protected].

Social Networking Seminar: 1 to 3 p.m., Marion Man-Tra-Con, IllinoisCentre Mall, Marion. Cost is $25. Call 618-536-2424 or [email protected].

Nov. 2Starting a Small Business Workshop:

1 to 3 p.m., River Room, ShawneeCommunity College, 8364 ShawneeCollege Road, Ullin. Free. Call 618-634-3254 or [email protected].

Nov. 4Social Networking Seminar:

1 to 3 p.m., Room 150, Dunn-RichmondCenter, 150 E. Pleasant Hill Road,Carbondale. Cost is $25. Call 618-536-2424 or e-mail [email protected].

Mark Your CalendarE V E N T S | M E E T I N G S

Calendar SpotlightOct. 21

Team Building: 8:30 a.m. to 4 p.m., Room F110, John A. LoganCollege Center for Business & Industry, 700 College Road,Carterville. Cost is $90. Call 618-985-2828, ext. 8510 or [email protected].































http://www.sbj.biz

S O U T H E R N I L L I N O I S I N D I C A T O R S

100

102

103

104

105

78

90

DM J J A S O N F M A M

98

94

’09

88

86

84

82

81

80

76

J’10

74

72

70

68

66

64J J

Chicago Fed MidwestManufacturing IndexThe CFMMI is a monthly estimate by majorindustry of manufacturing output in the SeventhFederal Reserve District states of Illinois, Indiana,Iowa, Michigan and Wisconsin. It is a compositeindex of 15 manufacturing industries, includingauto and steel, that uses electrical power andhours worked data to measure monthly changesin regional activity. It is compared here to thenational Industrial Production index forManufacturing (IPMFG). Base year is 2007.Starting in November 2005, the index excludedthe electricity component.

IPMFG July 1091.5

CFMMI July 1081.4

SOURCE: FEDERAL RESERVE BANK OF CHICAGO

Williamson County RegionalAirport passengers

594 205 p189.8%

2,448 807 p203.3%

July 10 July 09 Change

2009 Change

YTD TOTALS

MONTHLY TOTALS

Anna 61.9 114.5 113.3 112.3 111.7 109.7 p 4.4%Benton 36.5 69.4 71.4 72.4 75.0 70.4 q 1.4%Carbondale 295.9 565.5 587.7 607.4 610.4 579.4 q 2.4%Carterville 20.1 39.9 40.1 40.3 39.9 32.7 p 22.0%Chester 25.9 52.9 51.5 51.7 54.0 51.1 p 3.5%Du Quoin 32.0 100.8 91.9 94.4 103.1 95.0 p 6.1%Harrisburg 100.2 191.9 179.3 173.6 168.5 164.9 p 16.4%Herrin 79.5 147.2 135.9 134.4 137.5 127.9 p 15.1%Jonesboro 6.0 12.5 12.4 11.3 11.5 11.5 p 8.7%Marion 339.0 676.0 673.4 662.4 592.7 545.9 p 23.8%Metropolis 39.1 77.1 75.9 79.8 74.8 69.4 p 11.1%Mount Vernon 252.5 476.7 482.8 461.5 501.0 475.3 p 0.3%Murphysboro 65.5 129.1 117.1 94.9 93.0 94.6 p 53.4%Nashville 44.7 107.9 101.8 105.2 105.7 101.1 p 6.7%Pinckneyville 16.6 37.2 39.0 35.8 41.7 38.0 q 2.1%Red Bud 36.1 70.1 77.7 73.7 82.5 82.5 q 15.0%Sparta 62.2 126.4 130.5 129.5 133.1 127.7 q 1.0%Vienna 19.2 37.1 40.5 39.8 36.9 32.7 p 13.5%West City 45.0 91.9 89.6 82.8 77.7 70.8 p 29.8%West Frankfort 57.7 111.4 111.2 111.4 106.8 102.3 p 8.9%REGION $1,635.6 $3,235.5 $3,223.0 $3,174.7 $3,157.6 $2,983.0 p 8.5%ILLINOIS $71,456.0 $139,593.2 $237,438.0 $180,162.7 $173,362.8 $167,459.0 q 16.6%

YTD June 2010City 2009 2008 2007 2006 2005% change

05-09

Retail sales for Southern Illinois cities

SOURCE: LATEST STATISTICS AVAILABLE FROM THE ILLINOIS DEPARTMENT OF REVENUE. FIGURES ARE IN MILLIONS.

Labor force Jobless July 2010 June 2010 July 2009 Change month Change year

Unemployment rates for Southern Illinois counties, state and nation

Alexander 3,124 410 13.1% 11.6% 13.9% p 1.5 q 0.8Franklin 18,032 2,611 14.5% 13.6% 14.2% p 0.9 p 0.3Gallatin 2,817 304 10.8% 10.2% 10.5% p 0.6 p 0.3Hamilton 4,177 425 10.2% 9.7% 9.3% p 0.5 p 0.9Hardin 1,834 231 12.6% 12.7% 11.7% q 0.1 p 0.9Jackson 30,321 2,739 9.0% 8.8% 8.0% p 0.2 p 1.0Jefferson 20,814 2,179 10.5% 9.6% 9.6% p 0.9 p 0.9Johnson 5,170 623 12.1% 11.2% 11.1% p 0.9 p 1.0Massac 7,609 844 11.1% 10.8% 9.8% p 0.3 p 1.3Perry 9,641 1,246 12.9% 12.7% 12.3% p 0.2 p 0.6Pope 2,024 241 11.9% 11.4% 10.8% p 0.5 p 1.1Pulaski 2,903 376 13.0% 12.5% 12.0% p 0.5 p 1.0Randolph 15,588 1,474 9.5% 9.0% 9.4% p 0.5 p 0.1Saline 13,233 1,429 10.8% 10.2% 10.4% p 0.6 p 0.4Union 8,074 1,066 13.2% 12.5% 10.7% p 0.7 p 2.5Washington 8,557 723 8.4% 7.8% 8.0% p 0.6 p 0.4White 7,720 723 9.4% 8.7% 8.8% p 0.7 p 0.6Williamson 34,205 3,513 10.3% 9.8% 9.7% p 0.5 p 0.6 .,REGION 195,843 21,158 10.8% 10.7% 10.6% p 0.1 p 0.2ILLINOIS 6,716,526 715,082 10.6% 10.6% 10.7% 0.0 q 0.1U.S. 153,560,000 14,599,000 9.7% 9.6% 9.7% p 0.1 0.0SOURCE: ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY, U.S. DEPARTMENT OF LABOR. FIGURES ARE NOT SEASONALLY ADJUSTED. 2,750 2,636 p 4.3%

2008ANNUAL TOTALS

SAVETHE DATE!

Community Leaders Breakfast

Tuesday, November 16 | 7-8:30AM | SIU Ballroom

N O I S I N D I C A T O R S

Prices at the pumpAverage price per gallon of regular, unleadedgas as of Sept. 17 and Aug. 26, 2010.

694Carterville

Consumer credit scoreCredit scores are numeric reflections of financialbehavior and credit worthiness and they are basedon information included in a credit report. Rangingfrom 330 to 830, a higher score means a lowercredit risk. Scores are from Aug 2010.

692U. S.

699State

698Region

SOURCE: EXPERIAN

SOURCE: AAA

Metro East $2.81 $2.67 $2.40Springfield $2.86 $2.63 $2.39Illinois $2.97 $2.77 $2.57U.S. $2.73 $2.70 $2.56

Sept 10 Aug 10 Sept 09

208

200

204

206

A

210

‘10

212

A

214

M J

216

J

218

J

220

S O N D J F’09

M

Consumer Price IndexThe CPI measures average price changes of goodsand services over time, with a reference base of 100in 1982-84.To put into context, a current CPI of194.5 means a market basket of goods and servicesthat cost $100 in 1982-84 now costs $194.50.

U.S. city averageJuly 10 218.0

Midwest urbanJuly 10 208.2

SOURCE: U.S. DEPARTMENT OF LABOR

95949392919089

96979899

100101102103104105106107108

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

’08

F M A M J J A S O N

’09

F M

’10

U of I FlashIndex

The Flash Index is an early indicator of the Illinois economy’s expectedperformance. It is a weighted average of growth rates in corporate earnings,consumer spending and personal income. An index above 100 indicatesexpected growth; an index below 100 indicates the economy is contracting.

Aug 10 92.0

Home sales Total units sold, including condominiums

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Alexander 2 3 q 33.3% 17 32 q 46.9% $110,000 $57,500 p 91.3%Franklin 82 65 p 26.2% 276 332 q 16.9% $49,250 $63,000 q 21.8%Gallatin 1 1 0.0% NA NA NA $12,000 $27,500 q 56.4%Hamilton 7 0 NA 7 8 q 12.5% $56,000 $0 NAHardin 2 4 q 50.0% 0 0 0% $139,500 $45,000 p 210.0%Jackson 135 116 q 12.8% 383 467 q 18.0% $115,000 $101,500 p 13.3%Jefferson 90 79 p 13.9% 332 381 q 12.9% $78,950 $82,000 q 3.7%Johnson 23 16 p 43.8% 78 92 q 15.2% $100,500 $142,500 q 29.5%Massac 34 30 p 13.3% 112 128 q 12.5% $71,000 $59,750 p 18.8%Perry 30 46 q 34.8% 126 149 q 15.4% $57,971 $61,450 q 5.7%Pope 1 2 q 50.0% 10 9 p 11.1% $27,400 $48,450 q 43.4%Pulaski 2 6 q 66.7% 13 4 p 225.0% $61,900 $49,750 p 24.4%Randolph 44 38 p 15.8% 149 136 p 9.6% $83,500 $63,700 p 31.1%Saline 34 26 p 30.8% 80 78 p 2.6% $42,700 $46,750 q 8.7%Union 29 19 p 52.6% 101 91 p 11.0% $60,000 $63,000 q 4.8%Williamson 196 185 p 5.9% 639 705 q 9.4% $104,000 $96,000 p 8.3%ILLINOIS 35,628 27,890 p 27.7% 107,075 140,378 q 23.7% $160,000 $159,500 p 0.3%

Q2 10 Q2 09 Change 2008 2007 Change Q2 10 Q2 09 ChangeMEDIAN SALES PRICE

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

Hotel/motel statsTotal amount of revenue generated in Carbondaleby hotels and motels for room rentals only.

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

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

Alexander 9 21 q 57.1% 137 169 q 13.3%Franklin 90 108 q 16.7% 989 1,341 p 7.5%Gallatin 27 26 p 3.8% 184 294 p 30.7%Hamilton 21 34 q 38.2% 224 287 p 10.4%Hardin 12 8 p 50.0% 94 109 q 19.3%Jackson 126 152 q 17.1% 1,348 1,969 p 21.4%Jefferson 87 112 q 22.3% 842 1,270 p 14.9%Johnson 28 40 q 30.0% 353 481 p 14.8%Massac 25 36 q 30.6% 278 422 p 3.7%Perry 54 59 q 8.5% 565 689 p 8.0%Pope 10 12 q 16.7% 85 123 p 10.8%Pulaski 11 15 q 26.7% 124 221 p 11.1%Randolph 72 118 q 39.0% 936 1,208 p 7.3%Saline 68 75 q 9.3% 719 1,064 p 15.7%Union 56 65 q 13.8% 447 596 p 11.6%Washington 42 52 q 19.2% 515 621 p 4.4%White 51 61 q 16.4% 471 721 p 8.6%Williamson 191 215 q 11.2% 1,868 2,515 p 9.7%REGION 980 1,209 q 18.9% 10,179 14,100 p 11.1%

July 10 July 09 Change 2009 2008 Change

$725,213 $799,847 q 9.3%

$2,949,986 $3,082,374 q 4.3%

May 10 May 09 Change

2009 Change

YTD TOTALS

MONTHLY TOTALS

$7,725,727 $7,520,856 p 2.7%

2008ANNUAL TOTALS

For More Information Contact Debbie Tindall

618.529.3681 or [email protected]


http://www.myuniversitymall.com


Elder LawNew Medicaid rules may ‘lawfully rob’ your savings

and ‘lawfully steal’ your home

The governmentis getting ready to“lawfully mug” youor someone youknow, perhaps aparent orgrandparent, andtake nearlyeverything you orthey may own. First,you need to

understand what all of the hullabaloo isabout.

It’s about you and your loved ones.Many seniors plan for death, but few

plan for the alternative. Many peoplecreate estate plans with last wills, trustsand other documents. But few take thenecessary steps to protect themselves inthe event they live — in the event they donot die prematurely.

What life planning have you done? Thatis, what planning have you done to protectyourself for the rest of your life, the periodbetween today and the day your last willsprings into effect at your death.

The cold hard facts are that 43 percentof us will not die prematurely, that we willneed nursing home care at some point inour lives. As we age, as we live, thispercentage increases to 55 percent.

In Southern Illinois, care in a nursinghome currently costs approximately$4,000 or more per month. That’s$48,000 per year! Who among us canafford to privately pay for care at that levelfor more than a few months?

If you think the cost of staying at homewould be less expensive, think again. Youeither impose on your adult children orother family members (withoutcompensating them for their toil anddisruption of their lives) or you shell out asmuch as $12,000 per month payingsomeone else for assistance. (Until myelder law firm got involved, an elderlycouple had been paying a home careagency $12,000 each month for more

than one year.)Indeed, the greatest threat to the

financial security of middle-Americans isnot taxes; it is the cost of long-termconvalescent care.

There are only five ways to pay fornursing home or other long-term care.lPrivately paying out of your

resources, perhaps “spending down” allsavings to the point you are out of moneyand out of options, leaving nothing to yourheirs.lLong-term care insurance, which

generally will cover only part of the cost ofcare during your remaining life.lVeterans’ benefits, provided you are a

wartime veteran or the widow of awartime veteran and have limitedresources, or you or someone on yourbehalf has taken the initiative to rearrangeyour finances and savings to obtain thesevaluable VA benefits.lMedicare, but the benefit is limited to

a maximum of 100 days of skilled care forrehabilitation to improve your conditionso that you can return home. If you cannotimprove, Medicare will not pay for yourcare. (That is why the average number ofdays covered by Medicare is only 34 days.)lMedicaid, provided you have limited

resources, or you or someone on yourbehalf has taken the right steps to re-arrange your finances and savings toprotect what you have so that (like taxplanning) you can keep the governmentout of your wallet or pocketbook.

So, what is Medicaid and why shouldyou care?

Medicaid is a federal-state programauthorized by Title 19 of the SocialSecurity Act. Specifically, it is the primaryway middle-Americans finance long-termcare for themselves and their elderlyparents. However, like tax planning, if youare not already a person of limited means,you must take action to rearrange yourfinancial affairs in order to meet incomeand asset limitations.

Illinois is about to adopt a set of newMedicaid rules to implement a federalmandate contained in the federal Deficit

Reduction Act of 2005, which becameeffective Feb. 8, 2006.

This author has often been heard torefer to the DRA as “draconian.” In fact,that word is too nice. The DRA is worsethan draconian; it is evil and agovernmental mugging of seniorsorchestrated by industry lobbyists in amalicious effort to get federal and stategovernments to balance their budgets onthe backs of those who can least afford it.As I said in an article that appeared in theAugust edition of the Southern BusinessJournal:

“(The DRA) and the new Illinois ruleswill lawfully rob many seniors of their lifesavings, legally steal the homes and farmsof many others, prevent untold numbersfrom qualifying for governmental benefits,wreak untold suffering on thousands andimpose tremendous havoc on the medicaland long-term care delivery systems inSouthern Illinois.”

Under the current Illinois Medicaidrules, there is a three-year “look-back”period during which the government hasthe right to look at all of your financial

transactions during that three-yearperiod. The new Illinois DRA rules willpush the “look-back” period to five years.To learn more about the “look-back”period go to http://SBJ.biz, scroll downand click on the September 2010 issue.

Bad as it is, the increased “look-back”period of the new DRA-compliantMedicaid rules is not the greatest threat tothe financial security of seniors. Rather, itis the new method that will be used byIllinois Medicaid to calculate the startingdate of the “penalty” period that resultsfrom ill-advised transfers.

Under both the current Medicaid rulesand the forthcoming new DRA-compliantMedicaid rules, the “penalty” period iscalculated the same way. So, for example,if Sue gave her daughter, Susan, $40,000on Sept. 15, 2009, and 12 months later Sueentered a nursing home costing $4,000per month, there is a 10-month “penalty”during which Sue does not qualify forMedicaid benefits to help pay for her carein the nursing home.

At this point in the calculation, the twosets of rules diverge. Under the current

BY RICHARD HABIGERSBJ CONTRIBUTOR

Habiger

ART SERVICESThe cold, hard facts are that 43 percent of us will not die prematurely, that we will neednursing home care at some point in our lives.

http://SBJ.biz

Medicaid rules, the 10-month “penalty”began to run the first day of the month inwhich the gift was made (September2009) and ended the last day of the tenthmonth following the gift (June 30, 2010).

Under the forthcoming DRA-compliantMedicaid rules, the 10-month “penalty”period cannot begin to run until Sue:l is a resident in a nursing home;lhas spent down to the asset limit of

$2,000;lhas filed an application for Medicaid;

andl is otherwise eligible for Medicaid

benefits, but for the penalty period.In other words, if Sue made the gift in

September 2010 and the DRA-compliantMedicaid rules are in effect as of June 2011after Sue has entered a nursing home, her10-month penalty period will not begin torun until she is essentially out of money.The challenge for Sue and her nursinghome is this: How is she going to pay hercare at her nursing home for 10 monthswhen she has no money? And, how is hernursing home going to remain in businessif it has no income from Sue and all others who have made ill-advised gifts?

Hopefully, everyone within the reach of

this column will see the danger justaround the corner. Hopefully, you, theinterested reader, will take immediateaction to protect yourself and your lovedones by consulting with an elder lawattorney — one who has the knowledgeand experience to help you avoid or reducethe “penalty.”

P.S. To nursing homes (and all others inthe health care delivery field): When youbecome aware of someone who may havemade gifts or other transfers, do not delay.Get your resident to an elder law attorneywho can help the resident reframe theissues so that the “penalty,” which after allis being imposed on you as well as yourresident, can be reduced or eliminated.

RICHARD HABIGER is the author of the Illinoisedition of “How to Protect Your Family’sAssets from Devastating Nursing HomeCosts: Medicaid Secrets” and is an elder lawattorney, who focuses on asset protection,Medicaid and VA benefits. You may contacthim at 618-549-4529 or [email protected].



Feirich / Mager / Green / Ryan

Attorneys at LawProviding Business and Personal Legal Services to the Midwest

Located in the Westown Centre • 2001 West Main, Carbondale • (618) 529-3000

Visit our web site at www.fmgr.com

Commercial Transactions

Workers’ Compensation

Labor Negotiations

Employment Matters

Municipal Law

Administrative Law

Banking Law

Real Estate Transactions

Probate and Estate Planning

Business Organization

F M G R

http://www.sbj.biz

http://www.fmgr.com

http://www.fmgr.com

http://www.architechniquesltd.com

http://www.silkwormink.com

http://www.mbiworldwide.com

Entrepreneur’s MailbagOCTOBER 2010SOUTHERN BUSINESS JOURNAL16

As I start thisarticle, I amcurrently halfwayacross the planet inbeautiful Ghana,West Africa.Fourteen years ago,I had the amazingopportunity toexperience thebeauty of Ghana’s

people, the sites and the culture. As abusiness graduate at the time, my focuswas mostly on the economy and howbusiness worked. What was interestingabout my recent trip was how quicklythe country’s economy has evolved fromwhere it was a decade and a half ago.

After spending the last 10 daysexploring, it became very clear that thesimple, slower-paced Ghana that Iremembered is a thing of the past. Theemerging market of today is beingdefined by a new generation ofentrepreneurs that understand that thefuture of Africa is filled with untoldopportunities.

The rise of emerging marketsThe third world countries of yesterday

are now on the rise and are now referredto as emerging markets. In theseemerging markets, entrepreneurs havefound that they can create valuable

businesses with very little capital. TheGlobal Entrepreneurship Monitor(GEM), which looks at the 54 countriesin emerging and developing markets,found that the incidence ofentrepreneurship is twice as high inemerging markets as the developingworld.

Historically, entrepreneurs in thesecountries have started 25 percent morecompanies than their U.S. counterpartsand have higher survival rates. Theseentrepreneurs have become very skilledat identifying opportunities that othersdon’t see or that would deter othersbased on their uncertainty, risk andscarcity of resources that would hinderthose in other parts of the world.

Lessons learned from GhanaOne of the first things I was impressed

by was the speed at which business getsdone in Ghana. At one point, my wiferealized that we needed a cell phone thatwould work in the country. She flaggeddown one of the Vodafonerepresentatives and was able to purchasea cell phone on the spot for $19 GH(Cedis, about $13.50 U.S.). My wife thenwaited, no more than five minutes, asour new phone was activated, loadedwith credits (time) and prepared for use.Ghana felt like a nation of 23.8 millionentrepreneurs and had a landscape thatwas covered by roadside shops andstreet merchants selling everything fromapparel to washcloths to bottles of soda(or pop if you prefer).

Throughout the years, Ghana has beenable to develop its own creativedistribution system that seems to defylogic. Tons of products find their wayinto the hands of millions of sellers in aseamless manner — all withoutsophisticated tracking technology orcomplicated networks.

Lastly, Ghanaians have become moremarketing savvy, highlighting thecountry’s quality of life, tourism andpotential business opportunities. Majorcorporations have begun teaming upwith local business owners in an effortto build their brands. Telecom giantVodafone pays to have its logo paintedon entire homes, TroTros (local bus

network) and on storefronts. By thelooks of things, business is definitely onthe rise and there is a lot for smallbusiness owners to take away fromGhana and other markets.

CAVANAUGH L. GRAY is the director ofbusiness development for The EntrepreneurCafé, L.L.C. in Carbondale. He can becontacted at [email protected] or 618-206-7013. For more information on doingbusiness in developing markets or for ideas on how to start, grow and succeed in small business, be sure to follow TheEntrepreneur Café L.L.C. on Twitter atwww.twitter. com/theecafe or atwww.ecafellc.com.

Gray

BY CAVANAUGH L. GRAYSBJ CONTRIBUTOR

Factors that affect prices of fixed income securities

As an integralpart of a well-balanced anddiversifiedportfolio, fixedincome securitiesaffordopportunities forpredictable cashflows to match

investors’ individual needs, providecapital preservation and may offset thevolatility of the stock market.

However, all investments have somedegree of risk. In general, the higher thereturn potential, the higher the risk. While the interest payment orcoupon on most bonds is fixed and theprincipal amount, known as par value,is returned to the investor uponmaturity, the market price of a bondduring its life varies as marketconditions change.

Consequently, if a bond is sold prior tomaturity, the proceeds may be more orless than the original purchase price.If a bond is held to maturity, an investorcan expect to receive the return or yieldat which the bond was initiallypurchased.

There are a number of variables toconsider when investing in bonds asthey may affect the value of theinvestment. Discussed below are themost common risks associated withfixed income securities.

Interest rate riskThe market value of the securities will

be inversely affected by movements ininterest rates. When rates rise, marketprices of existing debt securities fall asthese securities become less attractive toinvestors when compared to highercoupon new issues. As prices decline,bonds become cheaper, so the overallreturn, when taking into account thediscount, can compete with newly

Tison

BY MICHAEL P. TISONSBJ CONTRIBUTOR

PROVIDEDAfter spending the last 10 days exploring Ghana, West Africa, it became very clear that thesimple, slower-pace that I remembered is a thing of the past.

Entrepreneurs: Look to emerging markets for potential answers

SEE INCOME SECURITIES / PAGE 17


http://www.twitter

http://www.ecafellc.com


issued bonds at higher yields. Wheninterest rates fall, market prices onexisting fixed income securities tend to rise because these bonds becomemore attractive when compared to thenewly issued bonds priced at lower rates.

Price riskInvestors who need access to their

principal before maturity have to rely onthe secondary market to sell theirsecurities. The price received may bemore or less than the original purchaseprice and may depend, in general, on thelevel of interest rates, time to term,credit quality of the issuer and liquidity.Among other reasons, prices may also beaffected by current market conditions,or by the size of the trade (prices may bedifferent for 10 bonds versus 1,000bonds), etc.

Generally, longer maturity bonds willbe more sensitive to interest ratechanges. Dollar for dollar, a long-termbond should go up or down in valuemore than a short-term bond for thesame change in yield.

Liquidity riskLiquidity risk is the risk that an

investor will be unable to sell securitiesdue to a lack of demand from potentialbuyers, sell them at a substantial lossand/or incur substantial transactioncosts in the sale process.

Reinvestment riskDownward trends in interest rates also

create reinvestment risk, or the risk thatthe income and/or principal repaymentswill have to be invested at lower rates.Reinvestment risk is an importantconsideration for investors in callablesecurities. Some bonds may be issuedwith a call feature which allows theissuer to call, or repay, bonds beforematurity. This generally happens if themarket rates fall low enough for theissuer to save money by repayingexisting higher coupon bonds andissuing new ones at lower rates.

Prepayment riskSimilar to call risk, prepayment risk is

the risk that the issuer may repay bondsprior to maturity. This type of risk is

generally associated with mortgage-backed securities. Homeowners tend toprepay their mortgages at times that areadvantageous to their needs, which maybe in conflict with the holders of themortgage-backed securities. If thebonds are repaid early, investors face therisk of reinvesting at lower rates.

Purchasing power riskFixed income investors often focus on

the real rate of return, or the actualreturn minus the rate of inflation. Risinginflation has a negative impact on realrates of return because inflation reducesthe purchasing power of the investmentincome and principal.

Credit riskThe safety of the fixed income

investor’s principal depends on theissuer’s credit quality and ability to meetits financial obligations, such aspayment of coupon and repayment ofprincipal at maturity. Rating agenciesassign ratings based on their analysis ofthe issuer’s financial condition,economic and debt characteristics, andspecific revenue sources securing thebond. Issuers with lower credit ratingsusually have to offer investors higheryields to compensate for additionalcredit risk. A change in either theissuer’s credit rating or the market’sperception of the issuer’s businessprospects will affect the value of itsoutstanding securities.

It is also important to know andunderstand how fixed income securitiesare ranked in the capital structure of theissuer. The ranking of a fixed incomesecurity is yet another factor that mayaffect its price.

Default riskThe risk of default is the risk that the

issuer will not be able to make interestpayments and/or return the principal atmaturity.

Investing in bonds is considered animportant part of asset allocation. It isalways important to understand therisks and potential return involved.

MICHAEL P. TISON is an investment adviserand registered principal with RaymondJames Financial Services, Inc., with officesin Harrisburg and Marion. He can bereached at 618-253-4444 ormichael.tison@ raymondjames.com.

INCOME SECURITIES: Factors affect price FROM PAGE 16

http://www.healthalliance.org/shape


Farmer’s Tire and Surplus opensFarmer’s Tire and Surplus Inc. recently

opened about 1.5 miles north ofMcLeansboro on Illinois 242.

The new business has tires to meet everyneed, including passenger and light trucktires, semitrailer tires, tractor andimplement tires and other specialty tires.

“My husband Jimmy and I felt there wasa need for another tire business in the area,especially one which serves the need fortractor tire repair and sales,” said ownerMary Kaye Davis.

Kyle Poore, originally of Enfield, isserving as the service technician.

Farmer’s Tires is open from 8 a.m. to 5 p.m. Monday through Friday and 8 a.m.to 1 p.m. Saturday. Call 618-643-3456.

Sedlacek opens Garden KeeperDenise Sedlacek of Carbondale has

opened Garden Keeper.Sedlacek will clean up weeds, rake leaves

and prune trees and bushes. She will plantflowers, small trees and bushes, mulch bedsand prep new ones.

Weekly service can be provided, as canone-time cleanup/planting for a specialoccasion.

To contact Sedlacek, call 618-303-9550or e-mail [email protected].

TIP Hospice moves to MarionTIP Hospice moved earlier this month

from its facility in Herrin to a larger space inMarion to accommodate its growth.

TIP Hospice has served Southern Illinoisfor the last 17 years. The new facility islocated at 8341 Express Drive, Suite B, inMarion. Call 800-371-3885.

Century 21 welcomes new associates

Century 21 House of Realty Inc., a five-office real estate company serving all ofSouthern Illinois, welcomes four newRealtor associates.

Jeanie Blue of Marion will work out ofthe Marion office and can be reached at618-889-1720. Larry Peas of rural Marionwill work out of the Lake of Egypt officeand can be reached at 618-889-0538.

Fortune Brayfield of West Frankfortand Tina Coe of Carterville will work outof the Carterville office. Brayfield can bereached at 618-889-7773 and Coe can bereached at 618-889-3611.

Schneider named Disney specialistMari Schneider of B and A Travel

Service in Carbondale earned thedesignation of Disney specialist, followingthe completion of the specialist’s programthrough the College of Disney Knowledgeadministered by Disney Destinations.

Disney specialists are recognizedfollowing in-depth training and extensiveon-site experience and familiarization withWalt Disney World Resort, DisneylandResort and Disney Cruise Line.

Great Shapes to host fitnesstrainer certification

Great Shapes Fitness for Women willhost a personal fitness trainer certificationOct. 15 to 17.

Cost is $366.75 for members and $489for non-members. This three-daycertification includes lecture and practicaldemonstration, followed by written andpractical exams.

To register, call 800-225-2322.

Faith-Based Counseling Services opens

Faith-Based Counseling Services, a non-profit organization, has opened in IllinoisCentre mall in Marion.

Fred Sims, a certified faith-basedclinical counselor, is the founder and isresponsible for the counseling sessions.

Faith-Based Counseling Services islocated in suite 602 near Target. Call 618-218-8621 for an appointment.

Swalls attends rallyGlenda Swalls of Herrin, an

independent designer with CelebratingHome, took part in the company’s NationalRally 2010 event from July 30 to Aug. 1 inDallas.

Celebrating Home is a direct-salescompany, headquartered in Marshall,Texas, that provides home decorating andentertaining products.

Medical Claim Consultants movesMedical Claim Consultants, formerly at

105 E. Pleasant Hill Road, has moved to 217S. Giant City Road.

Medical Claim Consultants providesaccounts receivable recovery andmanagement services for medical practicesof any size. The company works on a

contingency basis with no up-front cost tothe practice.

Mary Peterman, owner, was a recipientof an Operation Bootstrap grant in May2009.

Old National Bank honors OlsonJennifer Olson has received the 2010

ONe Vision Award from Old National Bank.The ONe Vision program was designed

to recognize and reward Old National Bankassociates for exceptional client care,exceeding expectations and helping OldNational Bank realize the company’s vision.

Olson has been with Old National Bankfor seven years. She currently serves on theCommunity Reinvestment Act panel forthe bank. In the last year, Olson has servedas a mentor to two associates and twointerns who have interest in careers incommercial lending.

Additionally, Olson has been selected toparticipate in the Old National Bank/Vectren Emerging Leaders Program for the2010-11 term.

Dialysis facility honoredFresenius Medical Care North America,

operator of the nation’s leading network ofdialysis facilities, recently named itsFresenius Medical Care Carbondale facilitya center of excellence for achieving thehighest standards in patient care in 2009.

Every year, to encourage continuousquality improvement, the companyrecognizes its facilities that are noteworthyin their high achievement of clinical qualityoutcomes. Fresenius Medical CareCarbondale is at 725 S. Lewis Lane.

Shawnee Telephone repinterviewed at fair

Michael Guffy from ShawneeTelephone Company, headquartered inEquality, recently was interviewed live onthe RFD radio show broadcast from theIllinois State Fair in Springfield.

He was joined in the interview by U.S. Department of Agriculture RuralDevelopment State Director ColleenCallahan and Matt Johnson from RuralPartners Illinois.

They were interviewed about theimportance of broadband for economic andcommunity development in rural areas.They also discussed the lessons other ruralareas can learn from Shawnee Telephone

Company’s success in implementing itsplans to provide its rural customers withhigh-speed Internet access.

Legence Bank collects mediaitems for troops

Legence Bank in Eldorado recentlyshipped nearly 200 collected media itemsto Afghanistan as part of a Tunes 4 TheTroops effort.

Olivia Bradley, a customer servicerepresentative at Legence Bank, contactedTunes 4 The Troops (www.tunes4thtroops.org) and initiated the satellitecollection station effort for all LegenceBank branches in Southern Illinois andEvansville, where items were collectedduring the month of June.

Rendleman recognized Attorney John S. Rendleman III

recently was recognized by Midwest RealEstate News as one of the top lawyers inIllinois in the category of commercial realestate lawyers.

Rendleman is a senior partner in theCarbondale law firm of Feirich/Mager/Green/Ryan and can be contacted at 618-529-3000.

Roberts joins Hospice of Southern Illinois

Michelle Roberts, R.N., a native ofMarion, joined Hospice of Southern Illinoisin August as a staff nurse on the blue team,which provides hospice care to thesouthernmost 16 of the organization’s 27-county service area.

As a staff nurse, Roberts will visitpatients and care for them in their homesor nursing facilities. She is a 2005 graduateof Rend Lake College School of Nursing.

SIU School of Medicine recognizes Mathis

Benjamin D. Mathis, a second-yearmedical student, has received a monetaryaward from the J.S. Templeton, M.D.,Memorial Scholarship at Southern IllinoisUniversity School of Medicine. The awardis given annually to a Perry County studentwho is enrolled at SIU School of Medicine.

Mathis is a 2003 graduate ofPinckneyville High School. He earned hisdoctorate degree in pharmacy in 2009 fromSt. Louis College of Pharmacy. He is the

AchievementsA W A R D S | P R O M O T I O N S | R E T I R E M E N T


http://www.tunes4thtroops.org

http://www.tunes4thtroops.org

son of David and Darby Mathis ofPinckneyville.

Cox joins law firm as a shareholder

A. Courtney Cox, former U.S. attorneyfor the Southern District of Illinois, hasjoined Sandberg Phoenix and von GontardP.C. as a shareholder at its Carbondaleoffice.

Cox will primarily focus his practice inthe areas of employment law, business lawand business litigation.

Lingle participates in familiarization trip

JoAn Lingle from the Carbondale-based JoAn’s Journeys recently participatedin a familiarization trip to Punta Cana,Dominican Republic.

Lingle went with other travel agents anda representative from Apple Vacations.While she was there, she toured 10 resortsand attended dinners with resort directors.

JoAn’s Journeys can plan destinationweddings, family vacations or just getawaysto Punta Cana and other destinations.

To reach Lingle, call 618-529-4046.

Jack Phelan Award givenEdward Jones financial adviser Tim

McGrath of Anna recently received theEdward D. Jones Sr. Memorial Award for hisoutstanding service efforts throughout thelast year.

Only 131 of the firm’s more than 10,000financial advisers received this award, thefirm’s highest achievement award.

Shelton joins faculty of SIU School of Medicine

Dr. Socorro Shelton has joined thefaculty at Southern Illinois UniversitySchool of Medicine as an assistantprofessor of family and communitymedicine at SIU’s West Frankfort FamilyMedicine Clinic.

Shelton completed her residency at SIU’sCarbondale family medicine residencyprogram in 2010. She was on the nursingstaff at Memorial Hospital of Carbondalefrom 1989 to 2003 and at MemorialMedical Center in Savannah, Ga., FloridaMedical Center in Fort Lauderdale andSanto Thomas Hospital in Manila.

Lucas becomes consultant Kelly Lucas of Carterville has become

an independent consultant with TastefullySimple Inc., a national direct salescompany featuring more than 60 easy-to-prepare foods.

For more information about TastefullySimple products, taste-testing parties orstarting up a Tastefully Simple business,contact Lucas at [email protected].

Burnett honored as a top achieverStampin’ Up!, a Utah-based

manufacturer of rubber stamps andaccessories for paper crafting,scrapbooking, digital designing and homedécor, recently recognized Metropolisbusinesswoman and Stampin’ Up!demonstrator Jan Burnett with aninvitation to attend the company’s annualFounder’s Circle retreat.

Founder’s Circle members are the topachievers in several different achievementaward categories. Burnett was honoredspecifically in a category of Demonstratorof the Year.

Griesbach named youth pastorGideon Griesbach, formerly of Marion,

has been named the new youth pastor ofHeritage Christian Center, a central Illinoischurch with facilities in Ottawa and Peoria.

Griesbach is a graduate of John A. LoganCollege in Carterville with a degree inchemistry.

Prior to entering into the ministry, hehelped run the family business, GaronFoods Inc., a wholesale food distributorlocated in Herrin. He is the son of PastorGary and Sharon Griesbach.


AchievementsA W A R D S | P R O M O T I O N S | R E T I R E M E N T

Faces in the newsHave 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 considerpassing on your employment news

and photos to the Southern Business Journal. Feel free to email the

information to [email protected].


ILLINOIS STATE

ELECTION COVERAGE

atthesouthern.com/elections

Combined Coverage from:

Stay

Informed

in 2010

BBllooggss,, VViieewwppooiinnttss,, PPoollllss,,

VViiddeeooss,, && MMoorree!!

http://www.sbj.biz



http://www.illelections.com

http://www.sih.net


Business Fine PrintP E R M I T S | B A N K R U P T C I E S

Building permitsCarbondaleVerizon Wireless, 1072 N. Reed Station Road,

$2,462,124Sports Clips, 1254 E. Main St., $100,000The Bike Surgeon, 404 S. Illinois Ave.,

$415,000Walter Trust, 1040 E. Walnut St., $35,000American Tower, 207 W. Main St., $25,000Kimberly Hall, 412 Deer Lake Drive, $165,000American Eagle Homes, 503 Deer Trail,

$225,000Elza Smith, 309 S. Emerald Lane, $2,000Mountain View Estates, 1312 Black Diamond

Drive, $140,000Erik Berry, 2260 S. Illinois Ave., $2,500Pale, 106 S. Glenview Drive, $24,000Michael Kimmel, 505 W. Walnut St., $2,500Martin Rentals, 416 S. Washington St., $1,000Home Rentals, 613 W. Owens St., $2,500Marilyn Septon, 212 S. Dixon Ave., $250C.E. Dixon, 902 S. Skyline Drive, $5,000Andrew Polovich, 304 S. Oakland Ave., $8,000CCS Landtrust, 520 S. University Ave., $9,000CCS Landtrust, 516 S. University Ave., $9,000CCS Landtrust, 518 S. University Ave., $9,500James Smith, 719 N. Carico St., $300Lee Thomas, 1201 N. Robt A. Stalls Ave., $500EG and WV Trust, 603 N. Marion St., $4,000Robert Wigfall, 312 S. Lynda St., $5,500

HerrinHarry Calcaterra, 321 N. Seventh St., $23,200Mark Smith, 408 Lincoln Drive, $95,000Gary Stevens, 417 and 419 Jesse Lane,

$145,000Professional Homes, 3205 Mustang Lane,

$150,000

MarionS-Q Carpentry, Dew Drop Lot 6, $108,000Bittle & Dennis, Lot 7 Summer Lane, $112,500Gordon Reynolds, 208 Wildrose Lane,

$135,000Timberline Fisheries, 201 E. Timberline,

$150,000Rick Stoncipher, 1702 Felts Drive, $220,000Gordon Lambert, 519 S. Market St., $18,000Bryleigh Apartments, 1400 Broeking Road,

$235,000Marion Unit 2, Mulligan Drive, $190,000

MetropolisAlice Barnhill, P.O. Box 715, $1,000River Metals Recycling, 541 Buttermilk Pike,

Crescent Springs, Ky., $10,000John Fulgham, 817 E. Second St., $15,000

Wm Souders, 2 Joann Drive, $2,500Todd and Kim Faulkner, 209 E. 10th St.,

$48,000Billy McDaniel, 1012 Rushing Drive, $0Joe and Kathryn Jackson, 775 Mount Mission

Road, $8,500Dale Obermark, 6843 Midway Road, $6,000Brenda Sowell, Box 149, $0Jimmie and Helen Goddard, 38 Marberry Drive,

$0Southgate Health Care Center, P.O. Box 843,

$1,870,000

MurphysboroScott Palmer, 2104 Wall St., $6,500D.C. Pellegrini, 932 N. 11th St., $500Corrine Williams, 2114 Clarke St., $12,000Lorena Sallee, 2110 Roblee Ave., $1,000Presbyterian Church, 51 Crescent Drive,

$3,000Jackson County Courthouse, 1001 Walnut St.,

$151,900First Baptist Church, 401 N. 15th St., $30,000Michael Ruiz, 2141 Elm St., $7,000Wal-Mart, 6495 Country Club Road, $19,100Jerome Ware, 2332 Alexander Ave., $1,000First Baptist Church, 311 N. 15th St., $5,000Dennis Crow, 520 North St., $14,000GJAL Museum, 1609 Edith, $500GJAL Museum, 1603 Edith, $500GJAL Museum, 406 S. 15th St., $500

West FrankfortBill Harvey, 501 N. Doug, $5,000Ron Turner, 601 S. Cherry, $53,000Norman Ray, 408 E. Elm, $15,390

BankruptciesChapter 7Jeffrey Webb, 600 Old Creal Springs Road,

MarionJoe Boone and Barbara Boone, Rural Road 2,

Box 472, FairfieldSamuel Tucker and Ruth Tucker, 617 N. 13th

St., HerrinTammy Artman, R.R. 2, Box 22A, DahlgrenDessa Tennant, 1730 Mount Zion Road, ViennaMary Poole, 6277 Fourth St., BentonChristine Whalen, 640 Kennedy Road,

MetropolisTheresa Bowlin, 403 N. Main St., ZeiglerMelissa Riedy, 909 S. Jackson St., West

FrankfortWilliam Lukancic, 800 S. Granger St.,

HarrisburgJason Heumann, 1174 Kathleen Road, Du

Quoin

Thomas Leonard, 600 S. Carbon No. 2, MarionFrank Nelson and Kathy Nelson, 708 Stewart

St., CarmiMatthew Bilderbeck, 210 N. Hancock St.,

McLeansboroMark Atkinson and Kathy Atkinson, 6548

Illinois 34 North, RaleighLisa Brown, 22007 Corinth Road,

ThompsonvilleChristina Kelton, 401 N. Otis St., MarionNicholas Gilliam, 3495 Kendale Acres Road,

TamaroaRussell Miller, 840 Camel Road, CutlerBobby Zettler and Sarah Zettler, Burning Star 2

Road, Du QuoinLora DeLapp, 310 E. Washington St., De SotoTodd DeLapp, P.O. Box 117, EmeradoDustin Stoffel and Tiffany Stoffel, 519 N. Maple

St., PinckneyvilleDanny Randall, P.O. Box 16, EqualityBrian Morgan and Sarah Morgan, 20657 Unity

Road, ThompsonvilleGeorge Stephenson, 164 Knox Road, Grand

ChainWilliam Freyenberger, P.O. Box 26, EnergyJoseph Miller and Patricia Miller, 714 S.

Webster St., HarrisburgRobert Newman, 822 W. Cypress St., HerrinCheryl Acree, 1100 S. Liberty St., MarionMelissa DeShane, 23026 N. Illinois 37, DixJulie Childers, 510 E. Main St., ElkvilleMechelle Diefenbach, 11 Delanor Drive, Carrier

MillsDonna Dungan, 214 E. Shiloh Drive, Red BudWilliam Green, P.O. Box 572, MurphysboroLia Milstead, 1110 S. Cheney St., HarrisburgBarbara Mahoney, 407 S. Timothy Lane, GalatiaThomas Lane and Stacy Lane, 435 S. 21st St.,

Mount VernonRobert Gallatin and Lisa Gallatin, 113 Kane

Drive, HerrinSherry Myers, 205 W. 20th St., MetropolisLeland Hale and Mary Hale, 165 Horner Road,

GalatiaKelly Matthews, 713 Dorris Heights Road,

HarrisburgAngelo Bruno, 1104 W. Line St., SteelevilleTeresa Steely, 21 S. Illinois Ave., Du QuoinTerry Podschweit and Vicki Podschweit, 1316

E. Clark St., West FrankfortMichael Eldridge, 1394 E. Grange Hall Road,

MurphysboroJames Sheehan, 1158 H. Bonhomme Lake

Drive, St. LouisMary Sheehan, 359 E. Park St., Du QuoinKatrina Richmond, 4161 N. Thompsonville

Road, ThompsonvilleBetty Dillard, 214 S. Drive St., Mount Carmel

Ricky Banks and Tina Banks, 610 N. VirginiaSt., McLeansboro

David May and Stephanie May, 524 N. 11th St.,Mount Vernon

Donald DeBose and Janet DeBose, P.O. Box445, Eldorado

Jeffrey Jake and Heather Jake, 710 Laurel,Fairfield

Carl Acord and Betty Acord, 504 W. FackneySt., Carmi

Joy Smith, P.O. Box 43, JohnsonvilleEric Buchanan, 203 Market St., KeensburgJessica Hernandez, 808 S. 19th St., Mount

VernonMarcy Flowers, 3000 Weaver Road, HerrinCourtney Gilliam, 1208 W. Cherry St., MarionKenneth Stout and Debra Stout, P.O. Box 353,

ChesterLeighAnna Murray, 1407 Graeff Road, ElkvilleSarah Childers, 11031 Limb Branch Lane,

MarionDonna Shreves, 615 W. Fifth St., BlufordRoger Hosselton and Sabrina Hosselton,

14757 N. Woodlawn Lane, WoodlawnDavid Jones and Lori Jones, 13046 N. Two Mile

Creek Lane, Mount Vernon

Chapter 13Joey Linton and Jo Linton, 14178 Harmony

Church Road, West FrankfortTeri Webster, P.O. Box 568, West FrankfortTyler Parrish, P.O. Box 73, GorevilleKerry Grunloh, 485 Red Bud Lane, CobdenCourtney Hunter and Angela Hunter, 2570 S.

Illinois Ave., CarbondalePhillip Easton, 404 N. Charles St., SteelevilleRaymond Helton and Charlotte Helton, 898

Liberty Road, Villa RidgeCarl Stokes and Deloris Stokes, 22450 Miles

Trail Road, StonefortStobert Abney and Stella Abney, 100 Little

Road, HarrisburgCrystal Bleeker, 1205 E. Grayson St., BentonRichard Neff and Resalynn Neff, 201 Douglas

St., CentraliaJames Crawford and Nancy Crawford, P.O. Box

101, BucknerBilly Dillow and Lois Dillow, 405 W. Spring St.,

AnnaDarryl Jones and Kelly Jones, 1511 Spruce St.,

MurphysboroDarrell Grove and Kim Grove, 601 E. Fifth St.,

West FrankfortCatherine Fleck, 516 Fredrick St., HerrinKaren Davis, 101 Hendra St., Anna

SEE FINE PRINT / PAGE 23

Second Event in Speaker Series-Featuring Keynote Chuck Templeton, Founder of OpenTable.com and Chairman of GrubHub.com

Tuesday, Oct. 12, 12-1:30pm • Dunn-Richmond Economic Development Center • 150 E. Pleasant Hill Rd., CarbondaleCall 618-453-3805 for more information

http://www.growsi.com

For most of us,having a “normal”work schedule isideal. We like havingevenings off to spendmore time with ourfamily and friends, togo to our kids’ballgames and go tosleep at what we feelis a decent hour.

Then, we get up and do it all again the nextday. It’s the pattern that was established inus as children, and although we mighthave deviated from it since then (especiallyin college,) it’s the pattern of wake andsleep which still governs our lives.

Working 9 a.m. to 5 p.m. may be thenorm for most of society; however, it’s nottrue in all cases. There are more than 22million Americans who have to cope withshift work — working evening, rotating oron-call shifts. In this current economicclimate, it’s hard to turn down a job.Because it’s so difficult to find work, youmay be forced to accept a position thatisn’t in alignment with the hours yourbody is accustomed to being awake.

These changing schedules can bechallenging socially, but more importantly,they can have a dramatic effect on yourwell-being. Shift workers tend to becontinually sleep-deprived and haveproblems with insomnia. This can affect aperson’s normal functions, which canendanger others at your work or even intraffic.

Sleep is not just “getting some rest.” It’san active state, important for the renewalof our bodies, mentally and physically.Sleepiness correlates with core bodytemperatures, as well as the light and darkphases of our daily environment. Anoptimal schedule has the bodytemperature cycle, the sleep/wake cycleand the light/dark cycle insynchronization.

Shift work keeps us out of sync with ourbody’s natural cycle, otherwise known asour circadian rhythms, the timing of themessages that instruct our body functions.From 3 to 4 a.m., we are compelled by thestrongest sleep urge, when our bodytemperature is at its lowest. Bright lightwill keep you awake, whereas darknesshelps you to sleep.

Although it’s better to not do shift workat all, there are ways to try to lessen theeffects in your life.

Employers, if you have rotating shifts,make sure your workers are rotating inorder, clockwise, from first to second tothird shift in a logical progression, so thattheir bodies have an easier time copingwith the transition. Also, try to spacerotations as far apart as possible soworkers have a better chance of gettingtheir cycles in sync.

For the shift workers themselves, hereare a few instructions to help you adjust asbest as possible:lTry to keep as regular a sleep schedule

as possible, even on your days off, so yourbody isn’t constantly adjusting andreadjusting itself.l If you leave work when there is bright

light, wear sunglasses home to lessen thewaking effects of light.lSleep in a room that is as dark as

possible.lWhen you finally get up for the day,

it’s best to then be exposed to light beforeyou start your shift, whether it’s naturalsunlight or some sort of bright-lighttherapy.

If you are a shift worker, you’ll have adifficult time adjusting to a schedule thatgoes against the natural flow of your body.However, no matter what time of day yougo to work and leave, sleep disorders aresomething to be taken seriously. If you’rehaving problems sleeping, please consultyour physician.

DR. TERRY BROWN is the medical director for the Sleep Disorders Center at St. JosephMemorial Hospital in Murphysboro.


Business Fine PrintP E R M I T S | B A N K R U P T C I E S

Angela Colson, 201.5 N. Vicksburg, MarionJeffery Crawford and Katharyn Crawford, 10681

Gass St., West FrankfortStephen Mattingly and Laura Mattingly, 214

Main St., Prairie Du RocherElnora Jones, P.O. Box 63, TammsCarolyn Nunn, 426 E. Jefferson St., AnnaCarole Wright, P.O. Box 211, CarbondaleCurtis Woolever and Amber Woolever, R.R. 1,

Box 163A, Wayne CityBilly Lampp and Janalee Lampp, 15707 Illinois

37, WhittingtonShawn Rash, 707 S. Future St., MarionBilly Wynn, P.O. Box 164, RidgwayGlen Shands, 901 Roberta Drive, MurphysboroGene Fisher and Beth Fisher, 604 S. Hohit St.,

OkawvilleJason Krause and Katy Krause, 7535 White

Church Road, OkawvilleCarlo Dial and Carrie Dial, 501A Greenacre

Drive, ChristopherLeonard Rybacki and Judy Rybacki, 630 S. Line

St., Du QuoinJohn Neff and Karen Neff, 602 W. Walnut Hill

Road, OkawvilleMelissa Larson, 802 N. Van Buren St., MarionWalter Poole and Mary Poole, 18 Bryson Evan

Lane, MurphysboroCandace Lewis, 301 E. Allen Ave., MarionLarry Hellberg, 1700 Morgan Ave., MarionMarsha Hart, P.O. Box 89, BucknerShelia Mack, P.O. Box 9, PulaskiRoland Karcher and Deanna KarcherJody Cox, 10726 Water Road, BentonDemetrik Wade, P.O. Box 75, Mound CityKevin Westfall and Cynthia Westfall, P.O. Box

552, CrossvilleLarry Throgmorton and Kathy Throgmorton,

606 S. Court St., MarionSue Loss, 12926 N. Two Creek Lane, Mount

VernonRonald Laster, 1760 Illinois 127 North,

JonesboroCrystal Warren, 319 Walnut St., ZeiglerFloyd Helton and Pamela Helton, 56 Bullock

Lane, MetropolisChad James, 14470 Cambria Road, CartervilleRebecca Woodward, 108 B Keoneman St.,

ChesterHank Yoast and Melissa Yoast, 900 S. 14th

St., HerrinTerry Walsh and Kara Walsh, 2003 Candle

Stick Lane, MarionHenry Brummett and Robyn Brummett, 1009

Castellano St., MarionSharon Simon, 1040 Kira Court, CarbondaleDavid McCroy and Vanita McCroy, 8 Wedgewood

Court, Murphysboro

Deborah Meyer, P.O. Box 392, ViennaMichelle Mickulas, 86 Old Rocky Hollow Road,

MurphysboroPhillip Galt and Kimberly Galt, 23110 Miles

Trail, StonefortNicholas Shelton, 10623 Champaign Road,

Johnston CityTom Bridges and Carol Bridges, 18668 Old

Diswood Road, TammsNorma Tate, 407 W. Main St., EwingDonald Cook and Becky Cook, P.O. Box 207,

ChristopherJohn Vaughn and Pamla Vaughn, 316 Fifth St.,

CairoVickie Hicks, P.O. Box 2195, Mount VernonDarryle Harris, 2106 Holbrook Ave., CairoAmanda Mays, 5497 Harris St., MulkeytownMark Sroka, 227 Wisconsin St., PinckneyvilleDarel Voss and Debra Voss, P.O. Box 225,

OkawvilleCurtis Rogers and Darla Rogers, 436 E. Illinois

Ave., CartervilleJoseph Greenlee and Tana Greenlee, 300

Oakwood Drive, CartervilleSudia Williams, 14568 Cambria Road,

CartervillePatrick Paul and Janice Paul, 1140 County

Road 1775 East, CarmiRhonda Baker, 1309 Berlin St., BentonRay Bell and Cynthia Bell, 7355 Moake School

Road, MarionStephen Cook and Jayma Cook, 503 E. Sixth

St., West FrankfortShane Jackson and Patricia Jackson, 3902 Hitt

Road, TamaroaDaniel Welliver, 822 W. Kennicott St.,

CarbondaleAlan Baker, 201 N. Dewey St., PittsburgNathan King, P.O. Box 184, Alto PassHeather Swedlund, P.O. Box 184, Alto PassGary Unthank, 603 Madison St., EldoradoBarbara Barnett, 916 E. South St., Du QuoinJason Craig and Danielle Craig, 6133 Saraville

Road, Creal SpringsRichard Pryor and Amanda Pryor, 2013 U.S.

51, Du QuoinJames Holley, 622 S. Main St., AnnaJames Bauer and Teresa Bauer, 690

Tractorman Lane, JonesboroFloleen Davidson, 1104 Burgess St., Johnston

CityLeda Clark, 6900 Old U.S. 51 North, CobdenJeremy Combs and Jessica Combs, P.O. Box

411, Crossville


Employers and employees both can make a difference in adjusting to shift work

Brown

BY DR. TERRY BROWNSBJ CONTRIBUTOR

Workplace

http://www.sbj.biz

http://www.siucu.org

sbj 10-01-2010

Documents