southern business journal

OCTOBER 2013

InsideO C T O B E R 2 0 1 3

The Southern Business Journal is a publication of The

Southern Illinoisan. Contact us via mail at 710 N. Illinois

Ave., Carbondale, IL 62901, or at P.O. Box 2108,

Carbondale, IL 62903. Also reach us on the Web at

www.sbj.biz and via email at [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 2013 by

The Southern Illinoisan, all rights reserved. A subscription

may be obtained by calling 618-529-5454 or

618-997-3356, or by visiting our website.

Contact usPublisher:

Bob Williams � 618-351-5038

Editor:

Gary Metro � 618-351-5033

Advertising:

Mark Dynis � 618-351-5815

Design & Layout:

Rhonda May � 618-529-5454, ext. 5118

ELDER LAWYou did what with your money?

In an effort to become Medicaid eligible, an elderly woman transferred a six-figure amount to a daughter. Whenthat daughter eventually went bankrupt,things did not go well for either of themin court. In short, when the womangave up ownership of her funds,the funds became subject to the vicissitudes of her child’s life. An experienced elder law attorney wouldhave advised the woman to set up a special type of trust, one with built-inprotections.

Page 9

ACHIEVEMENTSWho’s in the news? Find out who has been hired, who has been promoted or who has received an award for efforts in business. Makesure you check out our newest Faces in the News collection of business portraits and learn more ofthe achievements and honors inregional business. If you know of abusiness person who deserves special recognition for advanced training, a unique honor or a businessexpansion, please let us know [email protected].

Pages 14-15

ON THE COVERPhoto by The Southern

Inside1st Bank and Trust of Murphysboro......18

John A. Logan College .......................... 8

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

Rare Chop House ................................ 3

SIU Business .............................. 10-11

SIU Credit Union ................................ 20

Southern Illinois Healthcare................ 16

Southern Illinois University.................... 5

The Chocolate Factory .......................... 3

Directory of Advertisers

MONEY MATTERSWhat are implications of rising

mortgage rates? As housing’s comeback is a key factor in this current economic recovery, how worried should we be that home loansare growing more expensive? Analystsare divided about the impact. A July Wall Street Journal poll of economists drew rather mixed opinions: 40 percent of respondentsfelt that more expensive mortgages‘won’t have a noticeable effect’ on thehousing recovery, 35.6 percentthought that they ‘will slow sales,’ and 24.4 percent believed that they‘will slow home-price gains.’ Two factors may maintain demand in the real estate market in the face ofrising interest rates. Join ScottMcClatchey as he breaks it down.

Page 6

WORKPLACEWhy can’t we be friends? What’swrong with being Facebook friends,taking the group out for drinks or beingeveryone’s problem solver or helper?Because it’s called ‘work’ for a reason.Stay approachable, but always remainprofessional. In the end, you, as aleader and manager, will be evaluatingyour employees’ performances. Youdon’t want to be involved in personalissues. Stick to your own ethical standards and apply them in both yourpersonal and professional lives.

Page 7

Find more business newsat www.sbj.biz.

OCTOBER 2013 SOUTHERN BUSINESS JOURNAL 3

Cover Story

CHOCOLATE FACTORY990 STATE HIGHWAY 146 WGOLCONDA, IL 62938

FOR A VARIETY OF GOURMET & CUSTOM CHOCOLATESCALL 1-877-949-3829

Hand Out to Potential Customers

Show Customers and EmployeesYour Appreciation

Great for Gifts!

Ask Us About Shipping Options

Say it Chocolate!BUSINESS CARD CHOCOLATES

New!

If you are thinking about upgradingyour address, now might be the time, according to local housing experts.

“Statistics show the housing market isrecovering,” said Rich Davis, manager/broker for Century 21 House of Realty inCarterville. “The recovery actuallystarted in 2012.”

Bob Davenport of Realty Central inCarbondale agrees.

“It is my opinion that we are on ourway back to a recovery,” Davenport said.

According to Davis, who is alsopresident of Egyptian Board of Realtors,the regional housing market is stabilized

SBJ FILE PHOTOThree houses on South Glenview Drive in Carbondale have for sale signs In the front yard in this file photo.

Local Realtors report that housing market is recoveringBY DEB SAUERHAGE

SBJ CORRESPONDENT

SEE COVER / PAGE 4

OCTOBER 2013SOUTHERN BUSINESS JOURNAL4

Cover Storyand showing signs of recovery.

“First, there is pent up demand. That’swhen people have been holding on totheir homes,” Davis said.

Because people have been waiting tosell, there aren’t many properties on themarket.

“We actually have a shortage of goodquality homes,” Davis said.

Homeowners have been cautiousbecause of the economy and as jobnumbers slowed. Another indicator thatthe housing market has returned is thatthe stock market has bounced back afterseveral years. Buyers are showing moreconfidence in the market.

“All indicators say this is a good timeto purchase a home,” Davis said.

“We have historically low interestrates. We may never see rates this lowagain.”

A better economy and job security isallowing homeowners to trade up,according to Davis.

“Now, we have first-timehomeowners becoming secondhomebuyers by buying a bigger home,”he said.

The buying shift leaves more starterhomes on the market.

While, overall, the housing marketlooks good, there may be problems forfirst-time buyers who may have a bit ofa challenge in the current market.

“It is still a challenge for first-timebuyers,” Davis said. “They may haveunderwriting issues.”

Down payments and low credit scoresmay hurt their chances for getting theirfirst home.

“Traditionally, first-time buyers don’thave a lot of money to put down,” Davissaid. “They don’t have the traditional 20 percent down and, many times, noteven 10 percent down.”

First-time buyers may also be hurt bypoor credit scores, which can affect theirability to get a loan. Many programsdeveloped to help first-time buyers havedisappeared.

“In the past, there were governmentincentives for first-time homebuyerswhich do not exist now,” Davenport said.“There are still incentives, but not asaggressive as before.”

But, Davenport said he is still seeingthe younger couples buying homes.

“The lending standards are stricter for

buyers, such as credit scores and downpayments,” Davenport said.

There are challenges for the first-timebuyer.

“There may be clouds on the horizonwhich can impact first-time buyers in2014,” Davis said. “But, most issues canbe worked out.”

Davis recommends working with alicensed real estate professional.

“They know the available lendingprograms and what options are availablefor the buyer,” he said.

Credit repair is also important.“Clean up your credit score,” he said.

“You have to have a credit score of atleast 660 for the bare minimum.”

Also, it’s important that potentialbuyers check their credit report forerrors.

“Poor credit can lock you out of themarket,” Davis said. “Real estate is still asolid investment.”

According to Davenport, it is still abuyer’s market.

“There is an increase in homes beingplaced on the market, but it is locationthat is a factor on how long they arebeing sold,” he said.

But, sales are on the increase,Davenport said.

“The numbers of homes being sold inthe past three years in our MultipleListing Service jurisdiction areincreasing each year from approximately194 (average) homes per month beingclosed (sold) in 2011 to approximately219 (average) homes per month in 2013,”he said. “This shows the market is on arise.”

New construction is also a factor inhome sales.

“Some areas in our MLS board areseeing more new homes built thanothers,” Davenport said.

But, those areas in Southern Illinois,and across the nation, are few and far

between, said Ed Gund of Ed GundConstruction in Marion.

In Southern Illinois, Gund said heestimates that 80 percent of all newconstruction is apartments.

“Some new homes are being built, butnot like gangbusters,” he said. “We areseeing some big homes being built bypeople who have money or a bank that iswilling to lend.”

According to Gund, only a few averagehomes ranging in price from $120,000 to$220,000 are being built. Gund also sitespoor credit as a reason for the newhousing decline.

“The banks aren’t lending unless youhave good credit,” he said.

The downturn in new housing hastaken a toll on construction companies.

“I’ve watched a lot of people go out ofbusiness in the last few years,” he said.

“Some people are doing a fair amount ofremodeling. But, many people can’tafford to add a new room, or do akitchen or bath remodel.”

Still, the region is faring much betterthan other parts of the country, whichfaced a housing bust from 2008 to 2010,according to Davis.

“We never experienced the problemslike California and Florida,” he said. “Wenever had the balloon market.”

The market held on, but the buyersweren’t interested.

“The market never tumbled,” he said.“The buyers just went away.”

Looking ahead to 2014, Davis predictsit will be a “solid year” for real estate inthe region.

DEB SAUERHAGE is a correspondent forSouthern Business Journal.

FROM PAGE 3

SBJ FILE PHOTOA home on Terrance Drive in Carbondale sold by Lowell Heller, a Century 21 real estate agent, isshown in this file photo.

‘All indicators say this is a goodtime to purchase a home. We havehistorically low interest rates. Wemay never see rates this low again.’

RICH DAVISMANAGER/BROKER

AT CENTURY 21 HOUSE OF REALTY

SIU Technology and Innovation ExpoFall 2013

DATE:Friday, October 25, 2013 10:30 am – 5:00 pm

WHERE:Dunn-Richmond Economic Development Center1740 Innovation Drive Carbondale, IL 62903

WWW.TIE.SIU.EDU

Join the IN-novation crowd for the fifth annual Technology and Innovation Expo!

Highlights include:A showcase of SIU faculty and student inventions

Discussion panel: Innovative Funding Sources for Inventors and Entrepreneurs

Distinguished Keynote Speaker: Lawrence Cruz, Chief Patent Counsel, Conair Corporation, and SIU alumnus

Second annual Saluki Idea Competition

CELEBRATING UNIVERSITY INNOVATION


Money Matters

Between earlyMay and mid-July,the average interestrate on the 30-yearfixed-ratemortgage roseabout 1 percent.Rates on 30-yearFRMs havebasically heldsteady since hitting

a peak of 4.51 percent in Freddie Mac’sJuly 11 Primary Mortgage MarketSurvey. In the Aug. 15 edition, theyaveraged 4.40 percent, but they couldrise dramatically again.

When mortgages become a bitcostlier, things can get a bit tougher forhome buyers, home sellers, homebuilders and real estate brokers, as wellas the construction industry, labormarket, service industry and broadeconomy.

As housing’s comeback is a key factorin this current economic recovery, howworried should we be that home loansare growing more expensive?

Analysts are divided about theimpact. A July Wall Street Journal pollof economists drew rather mixedopinions: 40.0 percent of respondentsfelt that more expensive mortgages“won’t have a noticeable effect” on thehousing recovery, 35.6 percent thoughtthat they “will slow sales,” and 24.4 percent believed that they “willslow home-price gains.”

So far, the lure of increasing homevalues appears to outweighdisappointment over pricier homeloans. In the latest S&P/Case-ShillerHome Price Index (released at the endof July and covering the month of May),both the 10-city and 20-citycomposites showed the biggest year-over-year gain since 2006. Rising homeprices (and rising stock prices)contribute greatly to the “wealth effect”felt by consumers. So, there is a chancethat a 100-basis-point rise in the

10-year Treasury yield (it hit 2.82percent Aug. 15) and conventionalmortgage rates may not do as muchdamage as feared.

After all, both consumer confidenceand consumer spending have improvedeven with a 2 percent hike in payrolltaxes and this spring’s federal budgetcuts.

Maybe we haven’t seen it yet. Thefundamental housing market indicatorsin our economy are lagging indicators,presenting statistics a month or moreold. The Case-Shiller composite homeprice figures are based on three-monthaverages ending in the latest month ofthe index. In other words, the Maysurvey reflected data from March, Apriland May, and May is when mortgagerates began their ascent.

New home sales figures compiled bythe Census Bureau must also be takenwith a grain of salt. The pace of newhome sales reached a five-year peak inMay, but here is the asterisk: the CensusBureau actually measures new homesales in terms of signed sales contractsrather than closings.

So, a sizable percentage of thosehomes were not yet constructed, andthe actual closing could have beenmonths away. As it turns out, 36percent of the signed sales contracts inMay were for homes yet to be built,which means that they were, in allprobability, three to nine months fromcompletion, with most of the involvedbuyers unable to lock in mortgage ratesin early May as they would havepreferred.

Which of two outcomes will occur?Summer home sales statistics mayreflect more impact from highermortgage rates. Perhaps, they willcommunicate that the housing marketis no longer red-hot, but reasonablyhealthy. The real estate industry, WallStreet and Main Street can all live withthat.

The bigger question is whetherconsumer spending and Gross DomesticProduct will keep improving asmortgage rates presumably keep rising.If the economy gathers, or at leastmaintains, momentum and the “wealtheffect” continues to boost consumermorale, then the housing market shouldsee sustained demand — a desirableoutcome.

If mortgage rates rise due to inflation(or some other factor unrelated togrowth), then consumers may decidethat costlier mortgages are simply toomuch of a stumbling block to homebuying, gains in home valuesnotwithstanding.

Two things can’t be denied. One,consumers have grown more optimisticrecently (and wealthier, at least onpaper). Two, home loans are still reallycheap these days, at least by historicalstandards.

Those two factors may maintaindemand in the real estate market in theface of rising interest rates.

SCOTT MCCLATCHEY is a certified financialplanner with Alliance Investment PlanningGroup, a Carbondale investment firmlocated at 115 S. Washington St. He can bereached at 618-519-9344 [email protected] also provides investment, retirementplanning and insurance services to SIUCredit Union members through the SIUCredit Union Investment Servicespartnership. Securities offered through LPLFinancial, member FINRA/SIPC.


Implications of rising mortgage ratesAre they threatening the recovery? Or is their effect overstated?

McClatchey

BY SCOTT MCCLATCHEYSBJ CONTRIBUTOR

ART SERVICESConsumers have grown more optimistic recently (and wealthier, at least on paper) and homeloans are still really cheap these days, at least by historical standards.


Workplace

When it comes toworkplace issues,where should thesupervisors,managers andleaders of today fallwhen it comes tofriendships in theworkplace?

The informationout there is

conflicting. You are told to be personableand real. Be approachable and someonethat your employees can turn to.

Other sources tell you to keep adistance. Don’t get involved in personalmatters. Keep a certain level ofprofessionalism when dealing withemployees.

Oh, yes, and keep the door openwhenever meeting with a femaleemployee alone. Can you be friends andstill be an effective leader? Can you orshould you help an employee that is introuble outside of work?

This is truly one of the tougheststruggles that leaders face in theirprofessional career. In today’s world, wehave both harassment policies and lawsthat employers and supervisors are heldto. Hopefully, you have your own ethicaland moral standards, as well, that youapply in both your daily personal andprofessional lives.

Keep focused on the fact that you are at work to do work. Stayapproachable, but always remainprofessional.

Always ensure that workplaceconversations are professional. Set the

tone and keep it clean. Immediately puta stop to any inappropriateconversations that you may be a part of.Let your organization’s policies guideyou.

And, get a witness. If you feel at allunsure about your conversations with anemployee, make sure a third person ispresent.

If an employee comes to you with apersonal problem, don’t shut him out orslam the door in his face. This is theexact place that so many managers andleaders make a huge mistake.Invite the person in and listen.You may help him without solicitingadditional information. Do not pry.Only listen.

After listening, do your best to referthe employee to an expert for help.Maybe, the employee needs professionalhelp. Be it a plumber or a psychiatrist,help him by getting a phone number or awebsite. You can be the referralmechanism, but do not insert yourselfinto this situation. Do not offer to drivehim. You can suggest that someone drivehim — a family member, etc.

Do you see where I am going withthis? You can guide the “help” processand get it started, but you are not the“helper.” This is not your deal.

Think of it this way: This person is notyour mother or your brother or yoursister. You are not responsible for hispersonal life. If the situation he is inrequires time off, you can refer him towhoever handles the time off. If youoffer FMLA, you can potentially triggerthat certification process if needed. Ifyou have an HR person, transition thisperson to HR right away.

Why? I will tell you why. In the end,

you are the one that will evaluate hisperformance. You do not want to beinvolved in his personal life. Whathappens when the employee doesn’t likehis performance evaluation and saysthat you are being unfair and using hispersonal information against him todiscriminate and harass? The less youknow the better.

When we think about workplacefriendships, the idea of after-hoursparties and socializing must beconsidered. Almost gone are the days ofthe company picnic at the boss’s house.Think first before you offer to take yourteam out for a round of drinks. I haveseen nights like these go just fine, and Ihave seen them go terribly wrong. I begyou to proceed with caution.

Even if you think things are fine,chances are that someone in your groupmay feel that this kind of outing isinappropriate. Do you really want to riskoffending even one person? Ask yourselfwhy you are really doing this in the firstplace. Get over yourself. Find yourfriends outside of work, and do yourdrinking at home.

Don’t make your subordinates sufferthrough your war stories for hours, evenif you are paying. For heaven’s sake, thisisn’t Mad Men.

Do’s and Don’ts

� Do offer to take your team out for ameal. Or, better yet, have it catered in tocelebrate a job well done.� Don’t offer to buy a round of drinks

at your favorite bar. Not everyonedrinks. Not everyone wants to. Noteveryone can. What happens if someonegets in an accident on the way home? � Do think of other rewards that do

not include alcohol or, at least, do notmake alcohol the focus of the event.� Don’t ever let someone that has had

too much to drink get behind the wheelof a car.� Don’t be friends with your

subordinates on a social networking siteunless you are prepared for fulldisclosure of your private life.� Do strive to keep your personal and

professional lives separate.

There are so many things to considerwhen planning team outings. Keep thefollowing in mind:

If some cannot attend, they may feelleft out. Some may not care to hang outwith co-workers after hours, whileothers may have family issues, such as alack of child care.

Some may not want to eat the foodthat you are ordering. Some may notwant to drink, while others may feeluneasy about drinking with co-workers.And, some may feel pressure to drinkmore than they should.

No, I am not saying you cannot rewardyour team. Just consider these items asyou plan it. Better yet, ask the teammembers what they would like.

ANGELA HOLMES-YOUNG is a Society forHuman Resource Management-certified HR expert with more than 15 years ofrecruiting experience for various industries. She can be reached by [email protected] or calling 618-559-9399.

Holmes-Young

BY ANGELA HOLMES-YOUNGSBJ CONTRIBUTOR Find more business news

at www.sbj.biz.

Why can’t we be friends … even though I am your boss?


Elder LawDaughter who declared bankruptcy must repay $142,742

An elderlywoman whotransferred funds toher daughter so thatshe could qualifyfor Medicaid cannotclaim that sheretained ownershipof the funds whenher daughterdeclared

bankruptcy. In Re Woodworth (Bankr. E.D. Va., No. 11-11051-BFK,Feb. 6, 2013).

This case illustrates why do-it-yourself asset protection does not work, and that it should never beundertaken without the expertassistance of an elder law attorney whospecializes in qualifying clients forgovernmental benefits to help pay forcare in a nursing home.

In 2002, Dorothy Stutesmantransferred $142,742 to her daughter,Holly Woodworth, so she would nothave assets in her name if she everneeded Medicaid. In April 2010,Woodworth transferred the money to atrust designed to protect the assets fromcreditors. The entire corpus of the trustwas used to purchase an annuity tobenefit Woodworth. In February 2011,Woodworth filed for bankruptcy.

The bankruptcy trustee sought to voidthe trust, arguing it was a fraudulenttransfer under bankruptcy code.Woodworth did not dispute that thetransfer was fraudulent, but she arguedthat the property was never part of herestate because she was holding it in aconstructive trust for her mother.

The U.S. Bankruptcy Court for theEastern District of Virginia enteredjudgment for the bankruptcy trustee,holding that Woodworth clearly hadcomplete ownership of the funds.According to the court, “Ms. Stutesmancan’t have it both ways — she can’t partwith title for purposes of Medicaideligibility, and at the same time claim

that she retained an equitable title to theasset. To allow this kind of secretreservation of equitable title would be tosanction Medicaid fraud.”

If an elder law attorney had beeninvolved from the beginning in 2002, hewould have asked Stutesman a lot ofquestions about her children, and, inparticular, about the child chosen ascustodian of the funds. By doing this,the attorney might have uncoveredenough information for him to adviceagainst making the transfer toWoodworth. Even if the attorney didnot, an elder law attorney would havestrongly advised Stutesman to not makean outright transfer to Woodworth.

For example, an elder law attorneywould have counseled Stutesman thatWoodworth might end up in a widevariety of future circumstances,

including bankruptcy, which couldjeopardize an unprotected transfer of thefunds.

For example, an unprotected transferto Woodworth could be jeopardized ifshe were to be sued for causing personalinjuries in an auto accident and not havesufficient liability insurance to cover thetotal award to the injured person. Or, ifWoodworth were to be sued for divorce,her ex-spouse might be awarded someor all of the funds by the divorce court.

In short, once Stutesman gave upownership of her funds, the fundsbecame subject to the vicissitudes ofWoodworth’s life.

Because of an unprotected transfer to

Woodworth, no matter how trustworthyor financially responsible she might havebeen in 2002, an experienced elder lawattorney would have advised Stutesmanto set up a special type of trust, one withbuilt-in protections, into which to putthe funds. Or, Stutesman might havebeen advised to purchase a Medicaidqualified annuity in 2002 instead ofwaiting until 2010, when it was too lateto undo the mistakes made eight yearsearlier.

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

BY RICHARD HABIGERSBJ CONTRIBUTOR

Habiger

Money was transferred in a plan to get her mother qualified for Medicaid


ART SERVICESAn elderly woman who transferred funds to her daughter so that she could qualify for Medicaid cannot claim that she retained ownership of thefunds when her daughter declared bankruptcy.


Entrepreneur’s MailbagThe making of a brand

A few years ago Ico-presented aworkshop onbranding calledMaking of a Brand.I’ve always had anaffinity for brands,especially thosethat were near anddear to me. In mypresentation, I

described it as the “brand of faith”taking a quote from author Matt Haig:

“Like religions, brands want people tohave faith in what they have to offer.Ideally it is this ‘faith’ that marketershope will lead to a lifetime of branddevotion and belief in the brand’sauthenticity.”

I remember the exact moment whenthe concept of branding became real for me. It was 1994, and I was onreturn trip from New Orleans with some college buddies. At one pointwhile driving my friend’s 1994 NissanMaxima I remember glancing at thespeedometer and marveling at how well the car handled at thosespeeds. In that moment I rememberforming an impression of the Nissanbrand (based on my experience) that the automaker made the bestengines in the world.

What is branding?

I think it is important to note thatdeveloping a brand is not just aboutcreating a cool name, an eye catchinglogo, or a tagline that resonates.

All of these things are important butas a small business the goal is to haveyour brand be a true expression of yourorganization’s corporate message andpersonality.

Today, winning brands are carefullydesigned business systems. It’simportant to note again that branding isnot your dynamic looking businesscards, your most recent direct mailpiece or your last news release.In short, branding is not advertising!

Why is branding important?

If you’re a business owner with agreat product or service, an amazingteam and a great marketing plan youmay be wondering why developing yourbrand is so important?

For starters, branding helps todifferentiate you from yourcompetition. Branding helps yourcurrent and potential clients rememberand or recognize you in a crowdedmarketplace.

Branding gives your company apersonality that potential customerscan relate to and identify with. There isa basic law of branding that states,whether you realize it or not, if you arein business you already have a brand.Everything you do will either reinforceor detract from the brand.

The issue then becomes howidentifiable in the marketplace is thatbrand and how the general public feelsabout it. Sheila Patterson, co-owner ofMacro International Inc. says, “Theprinciples for marketing the world’slargest brands are just as effective formaking small businesses successful.”

Brand like the big boys

Whether you are a small or largeorganization, the goal should be toestablish a brand that has a distinctadvantage over the competition. Thefollowing are some ideas for brandinglike the big boys and achieving yourown level of brand recognition.

Be Brand Innovative. In some casesinnovative brands are those that havemanaged to pioneer a segment and indoing so have managed to have theirbrand names becomes synonymouswith the market segment. Netflix,Google, and Xerox are some companiesthat come to mind.

Create a Brand Experience. Asmentioned earlier, branding is no longerpurely about creating the rightadvertising. Instead branding hasevolved into the development of an

overall experience that potential andexisting customers can identify with.Some companies that come to mindinclude Virgin, Nike (Nike Town), andthe Apple Store.

Own a Niche. As a small businessowner it could be beneficial to focusyour marketing efforts on becomingassociated with a particular word,concept, overall feeling or niche thatyou can own in the mind of theconsumer. A couple of companies thatcome to mind that have done this wellinclude Subway (the healthy fast foodalternative), and Volvo (the safeautomobile brand).

Parting thoughts on brands

As in the case of my Nissanexperience, brands can be positively andnegatively created in an instance. Sometips for starting your brand off on the

right foot include: naming yourcompany properly, understanding logodo’s and don’ts, creating a consistentbrand message and knowing how all ofthese elements work together to createyour brand. By focusing on innovating,creating a meaningful experience andoccupying a niche you could be on yourway to establishing your own uniquebrand.

CAVANAUGH L. GRAY ([email protected])is the Director of Business Development forThe Entrepreneur Café, L.L.C 877-511-4820. To read a chapter from his new bookThe Entrepreneurial Spirit Lives: 25 Talesto Help Entrepreneurs Start, Grow, andSucceed in Small Business log on towww.ecafellc.com. For more informationon how to start, grow and succeed in smallbusiness, ‘Like’ on Facebook, ‘Follow’ onTwitter @TheECafe or ‘Connect’ onLinkedIn.

Gray

BY CAVANAUGH L. GRAYSBJ CONTRIBUTOR

ART SERVICESIt is important to note that developing a brand is not just about creating a cool name, an eyecatching logo, or a tagline that resonates. All of these things are important but as a smallbusiness the goal is to have your brand be a true expression of your organization’s corporatemessage and personality.


Brought to you Exclusively by Pepsi MidAmerica

http://www.pepsimidamerica.com/rtw/register.html

SCOTTY MCCREERY


Achievements

Speith

Rose

Gooden

Brown

Crain

Two accept positions

at local distilleryJim Speith of Makanda has been

named stillhouse manager at GrandRiver Spirits, craft distillers of Red EyeMoonshine and Grand River BabyBourbon and Whiskey in Carbondale.And, Kyle Groves of Carbondale has been named assistant distiller.

Speith oversees distillery productionoperations, including fermentation,distillation, barreling and bottling,while Groves’ duties include stilloperation and stillhouse service.

Grand River Spirits is a local distilleryusing Southern Illinois ingredients tomake whiskey products. Go towww.grandriverspirits.com for more information.

Century 21 House

of Realty honoredCentury 21 House of Realty, Inc., a

five-office real estate company servingJackson, Williamson and surroundingcounties, was recognized in August byCentury 21 LLC for achieving 35 yearsof real estate services to the residents ofSouthern Illinois.

Century 21 House of Realty, Inc., isowned and managed by Richard andJanie Davis.

Rose writes military-inspired

finance bookJeff Rose of Carterville recently

released his book, “Soldier of Finance,”published by Amacom Publishing, apublishing division of the AmericanManagement Association, based out ofNew York.

Rose is a certified financial plannerand CEO of Alliance WealthManagement, LLC in Carbondale. Roseserved in the Army National Guard fornine years, including a 16-monthdeployment to Iraq in 2005. His bookcombines the discipline of his militarytraining with the rigors of his financialplanning experience to help people takecontrol of their financial lives.

Hecht completes

Graduate School of BankingTimothy A. Hecht, loan officer at

Percy Banking Center, a branch of FirstNational Bank of Steeleville, wasawarded a diploma Aug. 23 at

commencement exercises during the 69th annual session of theprestigious Graduate School of Banking at the University ofWisconsin-Madison.

The school was established in 1945 toprovide bankers with an opportunityfor advanced study and research inbanking, economics and leadership.The curriculum focuses on themanagement of strategic issues facedby banking executives and financialservices industry professionals.

SIU Med School study

advances with grantA Southern Illinois University School

of Medicine patented drug aimed atpreventing noise-induced hearing lossis in the final stages of research. A $2.5 million grant from the U.S.Department of Defense U.S. ArmyResearch and Materiel CommandBranch will support a Phase 3 clinicaltrial to determine if D-methionine (D-met) can prevent noise-inducedhearing loss in soldiers.

Kathleen C.M. Campbell, Ph.D.,SIU professor of otolaryngology headand neck surgery and director of thedivision’s audiology research, is theprincipal investigator for the five-yearproject and inventor of the D-metdrug. The study is a collaborationamong SIU, the U.S. Army and YaleUniversity.

Wade, Martinez named

FPC managersDee Wade has been named branch

manager of Personal Finance Companyin Marion, and Vickie Martinez is thenew manager for PFC in Herrin.

Wade has been with PFC 26 years atthe Herrin branch. Under her tenure,Herrin has always been a President’sClub award-winning office. Martinez,a native of Nashville, Tenn., has been inthe finance industry 14 years.

Gooden receives

architectural licenseJames L. Gooden of the firm

Baysinger Architects, LLC in Marion,recently received his architecturallicense from the state of Illinois.

A 2007 SIU graduate, Gooden is fromHerrin and has been with BaysingerArchitects since May 2012.

Holzmueller joins United

Country sales teamEric Holzmueller, a professional

forester and licensed realtor, recentlyjoined the sales team at UnitedCountry–Trophy Properties andAuction in St. Louis.

Holzmueller, a longtime resident ofJackson County, has a PhD in forestryand specializes in uniting buyers withtheir ideal country properties. He offerssellers exposure to a pool of buyers ofhunting land, farms, timber lots andother rural property across SouthernIllinois.

Brown accepts leadership

role at Baptist HealthWilliam A. Brown has been named

Baptist Health west regional executive,effective Sept. 3, and president ofBaptist Health Paducah, effective Oct. 4, following President LarryBarton’s retirement.

Brown most recently served as chiefexecutive officer for both VHS WestSuburban Medical Center in Oak Parkand VHS Westlake Hospital in MelrosePark. He has worked in health care formore than 35 years.

Duryee takes over

as Saint Francis CIOSaint Francis Medical Center has

named Edward Duryee as its newchief information officer. In this position, Duryee will beresponsible for directing Saint Francis’information systems strategy andoperations.

He is replacing Diane Smith, who isretiring after 40 years of service toSaint Francis.

Crain receives cemetery awardBryan Crain, president of Crain

Cemetery Services, Inc. of SouthernIllinois, has been honored by the Illinois Cemetery & Funeral HomeAssociation with the designation of“Cemetery Member Elite.” The CME award is presented yearly to anIllinois cemetery operator whocontributes to the cemetery industryoverall.

Crain was recognized for his effortsin mentoring and representing smallassociation-run and not-for-profit

Groves

Hecht

Holzmueller

Duryee

Johnson

Faces in the news

Have you been promoted? Send a photo.

Has a colleague at work completed an intensive continuing education program?

Send a photo. Others in the business community will want to know it, so please

consider passing on your employment news and photos to the Southern Business

Journal. Feel free to email the information to [email protected].

Faces in the news


Achievementscemeteries in rural Illinois. He helped keepthe volunteers who run such cemeteriesexempted from new onerous requirementswhich were introduced by the legislaturewith urban cemeteries in mind.

Crain and his wife, Stacey, own andoperate three cemeteries, seven funeral homes and a monument companyin Southern Illinois and SoutheastMissouri.

Law firm signs five-year leaseGreensfelder, Hemker & Gale, P.C., one

of the region’s largest law firms, has signeda five-year lease to remain in itsheadquarters at 10 S. Broadway in the heart of downtown St. Louis.

In addition to its headquarters,Greensfelder has offices in Belleville andChicago. It employs a staff of 287, including165 attorneys.

Johnson to serve

on executive committeeShannon D. Johnson, executive

director/CEO of VisitSI (Williamson

County Tourism Bureau), has been elected to serve on the executive committee for the Illinois Council ofConvention and Visitors Bureau.

Johnson also will serve as the internalrelations committee chairwoman withICCVB. She will work with tourism bureaus across the state to increaseprofessional development opportunities for members and Illinois’ tourism industry.

Hospital earns ‘best place’ titleSaint Francis Medical Center has been

named one of the 100 “Best Places to Workin Healthcare” by Modern Healthcaremagazine for the sixth consecutive year.

The prestigious program is open tocompanies across the health care industry — hospitals, service companies,suppliers, payers and others — with at least 25 employees. Saint Francis was the only hospital in the state named to the list for 2012 or 2013,and it is one of just three hospitals in thenation to appear on the list every year since 2008.

Retirement open

house honors RipleyRegions Bank recently hosted an open

house at its Carbondale West branch inhonor of the retirement of teller PhyllisRipley.

Ripley started her career in 1980 inMurphysboro, while her husband attended a local college. During her 33 years at the bank, she said the bestaspect of working at the bank has been allof the new people she has had theopportunity to meet, as well as the friendsshe has made.

Solstice Tan opens in CartervilleSolstice Tan recently opened at 402 E.

Plaza Drive, Suite 8, in Carterville. Ownedby Jodi Seely and Ashley Rimini,Solstice Tan offers single sessions,monthly unlimited packages and hourlypackages.

Office hours are 10 a.m. to 8 p.m.Monday through Saturday and 10 a.m. to 2 p.m. Sunday. For more information, call618-985-5353.

CalendarOct. 5, 12 and 19; and Nov. 2

SafeLandUSA oil and natural gastraining: 8 a.m. to 5 p.m. Oct. 5, RLCMarketPlace, 321 Potomac Blvd.,Mount Vernon; 8 a.m. to 5 p.m. Oct.19, Hamilton County Senior HighSchool, McLeansboro; 8 a.m. to 5 p.m.Oct. 12, Workforce and Illinois SmallBusiness Development Center, 2 E.Locust St., Suite 200, Harrisburg; and8 a.m. to 5 p.m. Nov. 2, Wayne CityHigh School. Cost is $95 for eachclass. The deadline to register for theMount Vernon, McLeansboro and WayneCity classes is one day prior to eachclass. The deadline to register for theHarrisburg class is Oct. 7. Call 618-437-5321, ext. 5804, or [email protected] to register forMount Vernon, McLeansboro and WayneCity classes. Call 618-252-5001, ext.5, or email [email protected] toregister for the Harrisburg class.

Oct. 15Starting a Business in Illinois

(workshop): 9 to 11 a.m., room 150,Dunn-Richmond Economic DevelopmentCenter, 1740 Innovation Drive,Carbondale. Free. An optional businessstart-up kit is available for $15. Toregister, call 618-536-2424, [email protected] or visitwww.siusbdc.com.

Nov. 6Using Social Media to Market Your

Business (workshop): 1 to 3 p.m., room150, Dunn-Richmond EconomicDevelopment Center, 1740 InnovationDrive, Carbondale. Free. To register, call618-536-2424, email [email protected] orvisit www.siusbdc.com.

An annual mammogram might not have been Debbie’s first priority.

Like most women in their 40s, she was concerned with work, running the household, caring for her family…until she discovered a lump.

Suddenly, it was Debbie who needed care – not just from one doctor, but from an entire physician team dedicated to her specific case. Her breast health patient navigator at the SIH Cancer Institute saw her through the entire journey of cancer and helped her get back to her priorities.

Now – cancer free, she’s fought a battle…and won.

Who could be such a partner? Only SIH. LEARN MORE AT: SIH.NET/DEBBIE

Schedule your mammogram today.

The Breast CenterCARBONDALE • HERRIN

800-360-6902


Special Report

WASHINGTON — The job market issending signs that it may bestrengthening.

The number of people seekingunemployment benefits has sunk to itslowest point in six years because fewcompanies are laying anyone offanymore.

A survey of service companies foundthat they added jobs last month at theirfastest pace in six months.

And more small businesses say theyplan to hire than at any point since therecession began.

All of which is prompting someeconomists to forecast a healthier jobgain in September than the economy hasproduced in recent months.

“If you put all that together, it suggeststhat there has been an improvement injob market conditions,” said PaulAshworth, an economist at CapitalEconomics.

Ashworth predicts that employers willhave added 220,000 jobs in September.That would be the biggest gain in nearlyseven months and would mark a sharpreversal from the summer. Job growthhas averaged just 155,000 a month sinceApril, down from 205,000 in the firstfour months of the year.

The unemployment rate dropped to 7.3 percent in August from 7.4 percent inJuly. But the drop mostly occurredbecause more Americans stoppedworking or looking for jobs. Thegovernment no longer counts peoplewithout a job as unemployed once theystop looking for one.

The Federal Reserve is monitoring thejobs data as it considers when to slow its$85 billion in monthly bond purchases.Those purchases are intended to keepinterest rates low and speed borrowing,spending and economic growth.

Fed Chairman Ben Bernanke noted lastweek that the job market is “still far fromwhat all of us would like to see.”

Yet it might already be improving.Last week, applications for

unemployment benefits fell 5,000 to aseasonally adjusted 305,000. Thenumber had reached 294,000 two weeks

earlier, but that figure was distorted bycomputer upgrades in California andNevada that prevented those states fromprocessing all their claims. Those twostates have now caught up and arereporting complete data, the governmentsays.

Excluding the distorted figure, lastweek’s 305,000 applications were thefewest since September 2007, threemonths before the Great Recessionbegan.

Applications generally reflect the paceof layoffs. Layoffs had already fallen inJuly to the lowest on records dating backto 2000, according to a separate report.Applications have dropped an additional7 percent since then.

The dwindling number of peopleseeking unemployment benefits “issignaling further acceleration in payrollgains,” Jim O’Sullivan, an economist at

High Frequency Economics, said in anote to clients.

Separately, the Institute for SupplyManagement, a trade group ofpurchasing managers, said this monththat service companies stepped up hiringlast month. Service companies employ90 percent of the U.S. workforce andrange from the retail and constructionindustries to health care and financialservices.

Manufacturers also added jobs inAugust, the institute found, though at aslower pace than in July.

In addition, the National Federation ofIndependent Business has said thepercentage of small businesses that planto add workers rose this month to the

highest level since January 2007.The economy is growing steadily,

though sluggishly. It expanded at a 2.5 percent annual pace from April to June, the government has estimated.That is up from a scant 1.1 percent annual rate from January through March.For the first six months of the year, theeconomy has grown at a rate of just 1.8 percent.

Economists worry that growth isslowing to an annual rate of 2 percent orless in the current July-Septemberquarter. If correct, that would mark thethird quarter in the past four that theannual growth rate has fallen to 2 percentor below, an abnormally low level.

About 3.9 million Americans receivedunemployment benefits in the week thatended Sept. 7, about 23,000 more than inthe previous week. That total has fallen32 percent in the past year.

BY CHRISTOPHER S. RUGABERTHE ASSOCIATED PRESS

APIn this July 31, file photo, Americorps volunteer John Harris III, who is helping to coordinate a jobs fair program, fills out some documents for jobseekers in Washington.

Signs emerge that job market may be picking up



When your business plan needs reinventionor resuscitation, a business loan from

First Bank and Trust could be your roadmap.

Since 1889, sensible community banking services.

DETOUR AHEAD?

THE FIRST BANK AND TRUST COMPANY OFMURPHYSBORO1403 Walnut, Murphysboro2471 West Main, West Park Plaza, Carbondalewww.fb-t.com

Business Fine PrintBuilding permits

CarbondaleVicki Hamann, 2015 W. Norwood Drive,

$4,000James Allison, 410 E. Sycamore St., $8,000Janet Voss, 809 N. Bridge St., $33,900Campus Colonial, 608 W. Mill St., $5,000Chris Barrett, 194 Glopen Road, $5,000Chris Barrett, 604 S. Terrace Drive,

$5,000Mary Wright, 906 S. Skyline Drive, $30,000Kenneth Mason, 1213 N. Robert A. Stalls

Ave., $52,000Villas at Chautauqua, 2711 W. Prairie Place,

$140,000Loretta Cooley, 1001 E. Park St., No. 29,


100,000Loretta Cooley, 1001 E. Park St., No. 31,




$100,000Leslie Williams, CPA, 2501 W. Murphysboro

Road, $89,400Asian Accupressure, 100 N. Glenview Drive,

No. 102, $1,500Thalman Chiropractic, 606 E. Eastgate St.,

$3,000Hampton Inn, 2175 Reed Station Pkwy.,

$155,937Uncle Joe’s Dog Shack, 2300 W. Main St.,

$15,000Randy Lewis, 1301 W. Main St., $10,000Wanki Moon, 605 S. Illinois Ave., $21,000Southern Recycling, 300 W. Chestnut St.,

$31,000Smithworks, 104 S. Marion St., $50,000Goodman Network, 921 E. Larch St.,

$25,000

MarionBrok Webb, 1008 W. White St., $160,000Carlos Tanner, 801 E. Carter, $11,000Enrico Castellano, 205 N. Fifth, $160,000

Dale Hemphil, 2601 Hickory Lane, $10,000Chris and Amana Osborne, 1713 Felts Drive,

$240,000

MetropolisBrandon and Heather Clifton, 713 Fifth St. E,

$9,000Massac County Mental Health, 216 Fifth St.

W, $4,200Sterling and Julie Bailey, 600 Market St.,

$9,000City of Metropolis, 700 Market St., $7,500Joan Holzer, 611 Girard St., $14,000Virgil Thomas, 510 Third St., TR W, $1,000Andrew and Bonnie Trebelak, 203 Oak Drive,

$3,000Jack Hicks, 712 Seventh St. E, $3,500Balinda Thomas, 110 Christian Lane,

$52,400

Mount VernonU.S. Bank, 123 S. 10th St., $100,000Circle K, 1710 S. 10th St., $4,500Karen Kelley, 414 Cardinal, $3,000Robin Sumner, 327 Main St., $3,500Gregory Brown, 311 S. 13th St., $0

Bob and Susan Ford, 825 Bledsoe, $40,500Larr y Gowler, 17820 E. Angling Road,

$25,000First Financial Bank, 900 Main St., $0First Financial Bank, 3303 Broadway, $0Larry Martin, 312 S. Fifth St., $7,600Clyde Standridge, 12125 E. Meadows Drove,

$900Ruth Garafolo, 12254 E. Harlan Road,

$1,000Jesse Malone, 1016 Perkins, $3,000Janet Capps, 1601 S. 12th St., $0Randy Ratliff, 2845 Benton Road, $120,000Randy Bernard, 8208 N. Triton, $160,000Popeyes Restaurant, 4510 Broadway,

$5,500DG Partners (Dollar General), 1814 S. 10th

St., $750,000Girolamos, Inc., 819 Jordan, $200,000Tyler Jefferson Motors, Interstate 57 and

Illinois 15, $0Central Christian Church, 314 N. 12th St.,

$135,000

SEE FINE PRINT / PAGE 19


Business Fine PrintMurphysboroDavid and Debbie Trimble, 2106 Dewey St.,

$1,000Keith Klaine, 1916 Kennedy St., $2,600Les Conder, 2014 Roblee Ave., $8,400William Coulter, 534 North St., $1,000David McComb, 1102 Steven Lane, $5,000Michael Schumaker, 2003 Ill inois Ave.,

$1,000Michael Long, 808 Illinois Ave., $750

Bankruptcies

Chapter 7Samuel E. and Virginia C. Bowles, P.O. Box

204, Grand ChainGloria J. Brazier, 24103 Ill inois 127,

TammsArthur McLorn III and Jenifer L. McLorn,

306 N. Fair St., MarionErin M. Rammel, 709 N. Webster,

HarrisburgAdam Parks, 280 Red Cedar Lane, OzarkRonald L. and Ellen L. Talber t, 602 E.

Section Line Road, Wayne CityMichael T. and Amanda M. Johnson, 15

Endsley Road, HarrisburgTerr y I. Lavin, 1513 E. Grand Ave.,

CarbondaleJamie S. and Candice M. McClellan. 27230

McDaniel School Road, TammsTroy Brent and Angela M. Puckett, P.O. Box

812, SesserAnthony N. Herber t, 1968 N. 7th St.,

MurphysboroDouglas. D. and Judith L. Sisk, 402 S.

Julia, SmithtonDallas L. and Andrea B. Bumpus, 1187 Co.

Road 1800 E., FairfieldPaula D. Duncan, 2111 Wall St.,

MurphysboroJohn E. Randall 22062 N. Stratford Lane,

Texico, and Keri D. Randall, 401 S.Walnut, Salem

Norman Parker Johnson III and Ramona S.Eyre, 15764 N. Harmony Lane, MountVernon

Michael and Krystin Grant, 2605 DogwalkRoad, Anna

Bertha M. Fulk, 202 Stone St., CartervilleJohn William Gwaltney Jr., 609 Wasena,

BentonJonica A. Beers, 1101 Jefferson St.,

Johnston CitySteven Richard and Donna Sue Brennan,

P.O. Box 383, ShawneetownJames Scott and Shanna Lea Opatt, 1912

B St., West FrankfortArnold E. Priscilla A. Vannoy, 406 Oak,

Zeigler

Shane Allan Aumiller, 119 Douglas, AnnaSteve Joseph and Deborah S. Montilione,

24389 Ridgeway Road, ThompsonvilleHolly Dawn Brown, 904 Vaux St., ZeiglerJustin L. and Bethany G. Mandrell, 508 N.

27th St., HerrinBrenda K. Jack, 800 S. 11th, HerrinWilliam Paul Woolard, P.O. Box 682,

CarbondaleGarison R. Stanley, P.O. Box 73, New

BurnsideKimberley C. Camarato, 221 S. 18th,

HerrinMichelle N. Johns, 5028 Madison St.,

OakdaleJohn Bradley Weber, 490 S. 8th, Albion,

and Brandy M. Weber, 504 W. Main St.,Olney

Julia D. Gwaltney, 13027 Hafer Road,Carterville

Judith A. Robertson, 200 E. Patrick, Lot55, Marion

Camella M. Crandall, 404 Mitchell St.,Benton

Dennis M. and Donna R. O’Neal, P.O. Box485, Mount Vernon

Chad W. and Hillary D. Lewis, 203 Orchard,Zeigler

Corey W. Smith, 14 E. Dayton St.,Harrisburg

Ivan L. Dawson, 501 N. Horn, WestFrankfort

Danny Joe and Della Jay Anderson, 325Peak Road, Harrisburg

Karen L. Waldron, 9594 Hickory RidgeRoad, Murphysboro

Sandra Jean Sine, R.R. 2 Box 161A,Elizabethtown

Andrew P. and Taylor L. Woolard, 507 S.Sunny Slope St., West Frankfort

Barbra J. Howard, 823 Stewart St., CarmiMelissa D. Mitchell, 570 Raintree Road,

HarrisburgTabitha L. Conrad, 13 Manor Circle,

FairfieldMatthew R. Stewar t, 404 Church St.,

Campbell HillJohn R. Hoole, 802 Elm St., West FrankfortBritney N. Baney, 3972 Thompson St.,

ThompsonvilleTammy L. Heckler, P.O. Box 37, XeniaJoAnn Joyce Miller, 9238 E. Prior Road, DixMary Jane Johnson, Rt. 3, Box 163,

FairfieldBrett D. Baird, 703 Skyline Drive, Apt. B,

Marion

Chapter 13Carol J. Sweikousky, 2737 McReynolds

Lane, West FrankfortBarbara J. Austin, 3202 Elm St., Cairo

Robert O. and Frances O. Burton, 22828Rose Lane, Thebes

Margie Carlson, P.O. Box 334, OlmstedStephen M. Hensgen, 7421 Mulkeytown

Road, MulkeytownDennis Andrew Ball, P.O. Box 84, MarionGeorge Richard and Jacqueline E. Tanner,

R.R. 1 Box 106, HerodClaudia A. Suchor, 1008 N. Johnson, Unit

A, MarionRobert D. and Sharon Lynn McCoy, 102 S.

Third St., Mound CityDale A. Droge, 72 Olive Branch Road,

MoundsMaria Delcarmen Solano, 2571 S. Illinois

Ave., No. 126, CarbondaleJerry O. and Miranda Todd, 611 S. 18th

St., HerrinDaniel E. and Cindy S. Eldridge, 410 S.

Ward, BentonWilliam A. and Sandra L. Gooden, P.O. Box

366, HurstBernice Ann Buldtman, 317 E. 11th St.,

MetropolisPatricia D. Casey, 115 N. Ash St., De SotoMichael L. Humphries, 330 W. Park Lane,

CarbondaleMatthew Dominic Roark, 26241 Royal Oak

Lane, ThebesCarl R. Tripp, 122 Hillside Terrace, AnnaMichael P. V. Hickman, 307 E.

Shawneetown Trail, SteelvilleMichael E. Thomas Jr., 1112 W. Concord,

MarionDaniel S. and Christina D. Sinder, P.O. Box

581, HurstBrad A. and Jennifer L. Clanahan, 921

Hillcrest Road, KarnakDanny Lee and LaDonna Renee Laramore,

513 S. Vine, SpartaJulie Ann Karabec, 701 Penina St., P.O. Box

423, PinckneyvilleGene D. Broadway, 605 N. Buchanan,

BentonLatoria D. Mayfield, P.O. Box 256, PulaskiDale L. Kellum, 1003 E. Cindy, CarbondaleDustin B. and Leilani Ellis, 10298 Burbank

St., West FrankfortPhillip D. and Lynnette R. Griggs, 402 N.

Lincoln St., MurphysboroScott Wynn and Kimberley Sun Huffstuler,

700 Thomas, McLeansboroGary D. Loucks, 5714 Country Club Road,

MurphysboroJeffery M. Carey, P.O. Box 64, GorevillePhillisha Victoria Brown, 8712 Davis Prairie

Road, Marion

Thomas H. Pankey, 1914 N. 8th, HerrinRichard Hermann Lynch, 5807 Kiwi Road,

PinckneyvilleTina Beth Snyder, 608 N. Chesterfield

Commons, Apt. E, Mount VernonBetty C. Mar tell, 624 N. 12th St.,

Mount VernonJason Bradley Downer, P.O. Box 94, GeffJeremy L. Williams, 401 N. 10th St., HerrinMarietta C. Clark, 523 N. Bill Drive, Lot 59,

MurphysboroHeather Jo Bohn, 511 E. Jackson,

Du QuoinDena L. Stogsdill, 205 Lynne Lane,

CartervilleSherry G. Rollman, 225 S. Karber, RidgwayJonathan T. and Erin D. Patterson, 618

Sturbridge Court, Lawrence, Kan.Jennifer R. Land, 2688 Tick Road,

Grand ChainCharles E. and Rhonda G. Broadway, 117

S. 18th, HerrinStephanie R. Mathis, 410 Randolph St.,

PinckneyvilleAmy L. Bandy, 19712 Crab Orchard Road,

MarionMichael A. and Donna M. Thomas, 216

Melody Lane, Murphysboro


Faces in the news

Have you been promoted? Send a photo.

Has a colleague at work completed an intensive continuing education

program? Send a photo.

Others in the business community will want to know it, so please consider

passing on your employment news and photos to the Southern Business

Journal. Feel free to email the information to [email protected].

southern business journal

Documents