NOVEMBER 2010

InsideN O V E M 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 SBJ@thesouthern.com. The

Journal is published 12 times per year monthly, and

mailed to businesses, community development leaders,

chambers of commerce members and other

professionals in Southern Illinois. Copyright 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: Todd Wurth n 618-351-5028

Circulation: Trisha Woodside n 618-351-5035

Database Coordinator: Mark Doman n 618-351-5042

ment right now. Consider the followingquestions before deciding. Has yourvision of retirement changed? Is retir-ing becoming more and more of a prior-ity? Are you retired and looking toimprove your finances?

Page 9

INDICATORS Unemployment eases: Encouragingsigns elsewhere in the national econ-omy may finally have resulted in animprovement in the jobless rate inSouthern Illinois. The unemploymentrate fell in 17 of the region’s 18 coun-ties, with decreases of 1 percent orhigher in Franklin, Pope and Perry coun-ties. Elsewhere in the indicators,hotel/motel stays in Carbondale duringMay dropped 9.3 percent from thesame month one year ago, butremained 2.7 percent above the prioryear as a whole. Prices at gasolinepumps in our region climbed just 5cents over the prior year, but more than40 cents from 2 years ago.

Pages 12-13

ACHIEVEMENTS Faces in the news: Our new feature in“Achievements” highlights the busi-ness portraits accompanying manybusiness milestones. 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 sbj@thesouthern.com.

Page 18

InsideCustom Cleaners .............................. 17

Dutch Guttering .................................. 7

Feirich, Mager, Green & Ryan.............. 15

Glass Haunt ........................................ 7

Graphics Galore .................................. 7

Health Alliance .................................. 17

Hyannis Air Service .............................. 5

Jim’s Mobile Offices and Homes .......... 7

John A. Logan College ........................ 20

Midwest Backgrounds, Inc. ................ 17

Oliver and Associates, Inc. ................ 10

Pepsi MidAmerica .......................... 5, 19

Property with TLC, LLC .......................... 9

Silkworm Inc. .................................... 10

SIU Credit Union .................................. 8

SIU Small Business ...................... 12-13

Southern Illinois Healthcare................ 22

Southern Illinois University ................ 24

Your Jeweler ........................................ 9

Directory of Advertisers

COVER STORY Hoping for holiday success: Cautiousoptimism is perhaps the best termdescribing the feeling among SouthernIllinois retailers planning for the rushof shoppers accompanying Thanksgiv-ing, Christmas, News Years Eve andother seasonal holidays. It’s criticalbecause holiday sales can make orbreak a business; as much as 80 per-cent of the profits of many storescome during the fourth quarter of thecalendar year, especially the monthsof November and December.

Page 4

ENTREPRENEUR’S MAILBAG Do we face a choice? SBJ contributorCavanaugh L. Gray poses an interest-ing question in his monthly column:Can doing business co-exist with doinggood? Happily, Gray reports that in thisage of high-flying start-ups, socialentrepreneurs have sprung up every-where. Business owners are findingout that they can run a successfulorganization and still have a positiveimpact on the community. In otherwords, the answer is “yes.”

Page 7

PERSONAL INVESTMENTS It’s a whole new ballgame: Today’srealities of retirement are markedly dif-ferent from just a decade earlier.Expanded life expectancy requireslooking at retirement investments froma different perspective. We all need toconsider how we are envisioning retire-

To Our ReadersNOVEMBER 2010 SOUTHERN BUSINESS JOURNAL 3

Anyone ready for somebasketball? Anyone readyto hear the story of anIllinois elected officialwho isn’t accused ofcorruption?

You can scratch bothitches in the Nov. 16Community LeadersBreakfast sponsored bythe Southern BusinessJournal and The SouthernIllinoisan. The keynote speaker, IllinoisSecretary of State Jesse White, will talk abouthow he’s managed to keep himself and hisoffice above the state’s political turmoil.

White’s office is known nationally as amodel agency, making headlines foradvancing the graduated drivers licensesissued to teenage drivers and cutting thenumber of adolescent traffic fatalities. Theoffice also is cited as a leader in promotingorgan transplant awareness and making theorgan donation process quick and easy.

White believes in personal responsibilityand integrity. He not only avoided thedisgrace associated with two ex-governors —imprisoned George Ryan and recentlyconvicted Rod Blagojevich — he took theoffice to a higher level and built a statewidereputation as a friendly, “people person” ofstrong character.

White’s story won’t be the only highlight ofthe Community Leaders Breakfast:

The event will be hosted this time only inthe Student Center Ballroom at SouthernIllinois University Carbondale.

Breakfast admission includes a ticket to anunusual 9 a.m. men’s basketball gamebetween SIU and Northeastern University,televised nationally on ESPN’s “24 Hours ofBasketball.”

The internationally known Jesse WhiteTumbling Team will perform at halftime ofthe basketball game.

The breakfast begins at 7 a.m. in the SIUStudent Center Ballroom and will conclude at8:30 a.m. The game is scheduled to begin at 9 a.m. in nearby SIU Arena. Registration isrequired by Nov. 10. The cost of $15 includes afull breakfast buffet and a ticket to the game.

To register, go online at www.sbj.biz, or callThe Southern Illinoisan at 618-351-5002.

BY GARY METROSBJ EDITOR

THE SOUTHERN FILE PHOTOThe Jesse White Tumblers, left, in action. Everything from simple tumbles to highflying acts were performed for the student body at Marion High School in 2007.After launching off of a small trampoline, one of Jesse White's Tumblers flies overthe Illinois Secretary of State as he's holding a banner during a game at the SIUArena in 2005.

‘Hoop it up’ at Leaders Breakfast

White

NOVEMBER 2010SOUTHERN BUSINESS JOURNAL4

Cover Story

Even though she’s not made anypurchases yet, Kristina Cox of CrealSprings has already started thinkingabout shopping for Christmas. She’sbeginning to get ideas for her husbandand daughter as well as the family andfriends she will be buying for this year.

Like many Southern Illinoisans, Coxsays she would like to keep her holidayspending under control.

“It’s hard to say how much we’llactually spend this year. We would loveto spend less (than last year), but onceyou get started, it’s always hard. Everytime you round a corner, you seesomething that you know someonewould really like.”

Retailers across the region are hopefulthat Cox and thousands of other holidayshoppers will be rounding their cornersand finding the “must-give” gifts intheir stores. The hope is one ofnecessity.

“Holiday shopping is very important;in fact, it’s crucial to business success,”says Kristin Gregory, executive directorof the Carbondale Chamber ofCommerce. She adds that not only doholiday sales generate profits, they payemployee wages and are vital tocommunities that rely on sales taxreceipts.

Debbie Tindall, manager of UniversityMall in Carbondale, says 80 percent ofthe profits of many stores come duringthe fourth quarter of the year, especiallythe months of November andDecember. The results of these monthscarry long-term implications, says MattSlinkard, owner of Byassee Music inMarion.

A lot riding“From a profit standpoint, the holiday

season is a big time of year,” he says.“Christmas kind of dictates the rest ofthe year.”

During the fall months, his companyoften makes plans in terms ofimprovements and expansion for thecoming year, contingent upon holidaysales. If business is good, he proceeds

with the plans; if it is a down year, theideas are postponed. He says he isconfident that projects scheduled for2011 will take place.

“I think this year will be a little bitbetter than last — not by leaps andbounds, by any means — but slightlybetter,” he says. “People are relaxing abit and starting to spend money.”

Analysts across the country shareSlinkard’s optimism. The NationalRetail Federation projects a modest 2.3percent bump in consumer spending forthis season — the second straight yearthat consumers like Cox will open theirwallets a little more. Tindall says malltenants are seeing an increase inpurchasing, one she hopes continuesthrough the end of the year.

“We always look at what is trendingfor the year,” she says. “We’re looking ata modest increase over last year.”

She adds the pricing of merchandiseis especially important this year.

“I think a trend started about fouryears ago that the price point is veryimportant. Because of the waveringeconomy, consumers have beeneducated to wait until what they want ison sale. Retailers have to have a masterstrategic plan as to when to have itemsoff and on sale.”

David England, associate professor ofbusiness at John A. Logan College, addsthat buyers will be bargain shoppingagain in 2010. He says some of the bestdeals may come early in the season.

“Consumers may be surprisedbecause retailers will have maximuminventory, so the bargains will be outearly,” he says.

Tindall adds that even though buyersare closely watching what they spend,

local retailers can benefit from thebudget-conscious.

“People are monitoring their budgetsand that may mean they are stayingcloser to home and doing their shoppinghere, instead of traveling.”

Still, local merchants will have towork hard to get a share of the sales,England says.

“I think it’s going be up to theretailers,” he explains. “For those whohave the right product line, promotionalefforts, have done their homework andwho have trained their sales staff, it willbe a good year.”

Customer serviceHe says customer service is a key

ingredient to holiday profits.“People are going to be extremely

cautious this year,” he adds. “Customerswill be looking for retailers thatappreciate their patronage and retailersthat can take care of them after thesale.”

Service is important to customers. Infact, it’s second on Cox’s list ofrequirements.

“Good deals and customer service areimportant to me,” she explains. “Thingsare priced high enough, so every goodsale I can find is great, but if I’m nothappy about the service I’m getting, Iwill put down whatever it is I was goingto buy and walk out.”

“I cannot over emphasize theimportance of quality customer service,especially during the holidays,” Gregorysays. “Every touch that makes adifference to someone can really make adifference on your bottom line, becausepeople will remember and share it.”

Slinkard says for stores like his,service is a distinguishing factor.

“Customers really appreciate goodservice,” he says. “Because money is alittle tight, they’re looking at what theyare getting for the money. If they get

BY LES O’DELLSBJ CORRESPONDENT ‘I think this year will be a little bit

better than last — not by leaps andbounds, by any means — butslightly better. People are relaxing abit and starting to spend money.’

MATT SLINKARDOWNER OF BYASSEE MUSIC IN MARION

Retailers hope for strong holiday seasonShopping local keeps jobs, paychecks local

It may not have the zing of holiday music lyrics, one refrain is commonly heardthroughout the holiday season: “Shop locally!”

Again this year, area business leaders are reiterating the need for consumers tospend holiday shopping dollars in their own communities.

“One of the biggest ways we are going to turn around this economy is throughlocal spending,” says David England, an associate professor of business at John A.Logan College. “Buying online or elsewhere really jeopardizes local jobs. Plus, therate of turnover for each dollar spent here is huge — as much as seven or eighttimes. Shopping locally keeps jobs and sales tax here.”

Byassee Music owner Matt Slinkard says he knows how the money trail benefitseveryone.

“Consumers buy from us, and we spend that money at the lumber yard acrossthe street,” he explains. “Then they buy trucks and fuel and it just keeps going.”

“It’s really important that we shop locally,” adds Kristin Gregory of theCarbondale Chamber of Commerce. “The dollars spent here actually benefit all ofus in ways that we don’t even comprehend. It’s to everyone’s credit and a way toreinvest in our communities.”

Gregory says the area has much to offer holiday shoppers.“The shopping experience we have right here and the variety of specialty stores

would rival even some of the larger places in terms of quality,” she says.She adds that those shopping experiences can make for happy customers and

retailers, alike.“It truly is a wonderful time of year when people are shopping and local

businesses are making money.”— Les O’Dell

SEE COVER / PAGE 6

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Cover Storyexpertise and excellent customerservice, we find that they appreciate itmore.”

During a recent visit to SouthernIllinois, business growth consultant andauthor of “Bounce! DeliveringCustomer Service in a Self ServiceWorld” Barry Moltz said that holidaycustomer service pays dividends evenafter Dec. 31.

“It’s not just about having a qualityseason. I think you have to try to

capture the customer so that they dobusiness with you next year, as well. Toooften in retail, we don’t think about theLTV — the lifetime value — of thecustomer and that is what we have tohave to sustain our businesses.”

The concept is what John A. LoganCollege’s England calls “after-marketing.”

“It means getting past the mindset ofthe product to one of keeping up withcustomers. Retailers that just put out aline of products and say, ‘here it is,come get it,’ will be disappointed.”

Focus, sellNevertheless, retailers must focus and

sell products to be successful. Tindallencourages her tenants to constantlypromote full racks, fresh assortmentsand new merchandise. Slinkard sayshe’s looking to sell lots of smaller itemsthis year.

“I think it’s going to be a mid-rangeChristmas,” he says. “Sure, we’ll move afew big-ticket items, but I think thingslike stocking stuffers, starterinstruments and the like will be big thisyear.”

England expects electronics to be bigagain this year.

“What I call Internet informationapplication products will do well, Iexpect.” He includes smart phones, iPadcomputing devices and digital bookreaders in the category.

And what should merchants avoid?The same things as other years,cautions England.

LES O’DELL of Carbondale is a regularcontributor to Southern Business Journaland The Southern Illinoisan.

Employment LawBackground checks require compliance

with the Fair Credit Reporting Act

In order to obtainquality employeesand prevent futurelegal problems,more and morecompanies areobtainingbackground checks,credit reports andcriminal historyreports on job

applicants. These are great tools to learnmore about potential employees, butthey can also lead to a different type oflegal problem if not conducted properly.Let’s look at a few of the details to beaware of when doing backgroundchecks.

Many businesses simply don’t havethe resources to run background checkson all of their applicants. So, they hirecompanies that specialize in gatheringinformation through credit reports,criminal history reports, driving recordsand, sometimes, interviews withfriends, neighbors and formeremployers of job applicants. Thesecompanies are called “credit reportingagencies” or CRAs. The reports they

provide employers are called “consumerreports.” If your company uses a CRA tocheck out potential employees, then you and the CRA must comply with afederal law called the Fair CreditReporting Act.

If your company has the resources toconduct its own background checks,you do not have to comply with the act. However, it is certainly importantthat you disclose in writing toapplicants that you will be conducting abackground check and obtain theirwritten consent for the check.

The act is intended to insure thatapplicants are aware that backgroundchecks are being run on them and thatthe information in those checks may beused in the hiring decision. Restrictionsand obligations are placed on both theCRA and the employer as to the type ofinformation obtained and the use ofthat information in deciding not to hirean applicant.

First and foremost, you must have avalid purpose for requesting a consumerreport — that is, it must be used for thepurpose of evaluating a job applicant orevaluating a current employee forpurposes of promotion, reassignment orretention. In other words, you can’t geta consumer report just because you are

curious about an employee.Employers who use a CRA are

required to certify to the CRA that theconsumer report is being used for anemployment purpose, that theapplicant has authorized the report,that the employer will give theapplicant a copy of the report if theapplicant is not hired based oninformation in the report and that theemployer will not use the information inthe report in a manner that violatesstate or federal law.

You must give an applicant a writtennotification that you will conduct abackground check. This notice must bea form that is completely separate fromany other document you use in thehiring process, such as an application. Ifthe notice is, for example, at the bottomof the application form, it is not a validnotification and you may face a lawsuitif the applicant is not hired due toinformation found in the backgroundcheck.

You must also obtain the applicant’swritten consent to conduct thebackground check. It is permissible tohave the consent form be a part of thenotification form.

If a consumer report is the reason, orone of the reasons, an applicant is not

hired, the applicant must be provided acopy of the consumer report before youactually inform the applicant of thenon-hiring decision. The applicantmust also be given a written summaryof the applicant’s rights under the act.

After the applicant is informed of thedecision not to hire, she must be givencontact information for the CRA thatprovided the consumer report. She alsomust be told how to obtain theinformation used by the CRA to preparethe report and that she can take steps todispute the accuracy of thatinformation.

Background checks through consumerreporting agencies can be valuable toolsin the hiring process. However, be surethat the agency and you are complyingwith all the requirements of the FairCredit Reporting Act.

EDWARD 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,real estate, workers’ compensation,municipal law and estate planning. Thefirm’s telephone number is 618-529-3000and its website is at www.fmgr.com.

Renshaw

BY ED RENSHAWSBJ CONTRIBUTOR

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Entrepreneur’s MailbagDoing business and doing good: Can they co-exist?

Three years ago Idid the unthinkableas a business owner.I put a lot ofpersonal projectsand business desiresaside for theopportunity to havea greater socialimpact on the peoplethat live and work in

Southern Illinois.As a kid I clearly remember the day my

mom took me to Wendy’s. I remembergoing to throw our trash out and watchinga man immediately afterward reach intothat garbage can and eat my garbage.Watching that scene was heartbreaking,but I said if I ever had the chance to do

something about that I would. So it was ano-brainer when the opportunity tolaunch Project Compassion, VineCommunity Church’s homeless familiesministry, presented itself that I ultimatelyjumped.

It’s interesting that in this age ofhighflying start-ups, social entrepreneurshave sprung up everywhere. Businessowners are finding out that they can run asuccessful organization and still have apositive impact on the community.

Social entrepreneurshipSocial entrepreneurship is not

complicated and focuses on a few simpleideas. For starters, social entrepreneurshipinvolves recognizing and addressing asocial problem. Also, don’t be fooled bythe word social, as social entrepreneurshiplooks to use all of the traditional principles

of small business. These practices includesolid management, effective marketingand stable financials in order to become aviable business with a purpose. Lastly, intraditional businesses the benchmarks ofsuccess are usually measured in monetaryoutcomes (achieve $2 million in sales).Social enterprises measure their success interms of the overall social impact that aproject has produced (reducing area landwaste by 25 percent).

The state of social enterprisesOver the years, social entrepreneurship

has veered toward three prominent areas.There is a large social entrepreneurshippush toward research and develop ascompanies race furiously toward a cure forcancer and other diseases. Entrepreneurslike Jessica Scorpio have developedtracking technology that will turn our

everyday cars into a new car sharingservice. This will ultimately preservenatural resources and reduce greenhouseemission gases. Waste management leaderTerraCyle has prospered by turning wormwaste into organic fertilizer. In additionthier massive warehouses hold trash of allsorts ready to be commercialized intoevery day products like jackets andbackpacks.

A study by the National Federation ofIndependent Businesses found that 78percent of Americans believe that smallbusiness exerts a positive influence on thecountry’s direction. Now more than ever agrowing number of entrepreneurs arepositively influencing the social directionof this nation. Since that day in Wendy’s, Ihave always had a heart for our homeless.

By using my business background,

Gray

BY CAVANAUGH L. GRAYSBJ CONTRIBUTOR

SEE BUSINESS / PAGE 11

We’ve all heardabout the “newretirement,” the mixof work and playthat many of usassume we will havein our lives one day.We do not expect“retirement” to beall leisure. Whilethis is becoming a

cultural assumption among babyboomers, it is interesting to see thatcertain financial assumptions haven’treally changed with the times.

In particular, there are two financialmisconceptions to which baby boomerscan fall prey — assumptions that couldprove financially harmful for their future.

Misconception No. 1: Assumingretirement will last 10 to 15 years.Historically, retirement has lasted about10 to 15 years for most Americans. Thekey word here is “historically.” WhenSocial Security was created in 1933, theaverage American could anticipate livingto age 61. By 2005, life expectancy for theaverage American had increased to 78.

However, some of us may live muchlonger. The population of centenarians inthe U.S. is growing rapidly. The CensusBureau estimated 71,000 of them in 2005and projects 114,000 for 2010 and241,000 in 2020. It also believes that 7.3million Americans will be 85 or older in2020, up from 5.1 million 15 years earlier.

If you’re reading this article, chancesare you might be wealthy or at leastaffluent. And, if you are, you likely havegood health insurance and access toexcellent health care. You may be poisedto live longer because of these twofactors. Given the landmark health carereforms of the Obama administration, wecould see another boost in overallAmerican longevity in the generationahead.

Here’s the bottom line. Every year, thepossibility is increasing that your

retirement could last 20 or 30 years, orlonger. So, assuming you’ll need only 10or 15 years worth of retirement moneycould be a big mistake.

In 2010, the American Academy ofActuaries says that the average 65-year-old American male can expect to live to84, with a 30 percent chance of livingpast 90. The average 65-year-oldAmerican female has an average lifeexpectancy of 87, with a 40 percentchance of living past 90.

Most people don’t realize how muchretirement money they may need. Thereis a relationship between misconceptionNo. 1 and misconception No. 2.

Misconception No. 2: Assuming too littlerisk. Our appetite for risk declines as weget older, and rightfully so. Yet there maybe a danger in becoming too risk-averse.

Holding onto your retirement money iscertainly important, but so is yourretirement income and quality of life.There are three financial issues that canaffect your quality of life and/or incomeover time: taxes, health care costs andinflation.

Will the minimal inflation we’ve seenat the start of the 2010s continue foryears to come? Don’t count on it. Overthe last few decades, we have hadmoderate inflation (and sometimesworse, think 1980). What happens is thatthrough time, even 3 to 4 percentinflation gradually saps your purchasing

power. Your dollar buys less and less.Here’s a hypothetical challenge for you.

For the rest of this year, you have to liveon the income you earned in 1999. Couldyou manage that?

This is an extreme example, but that’swhat can happen if your income doesn’tkeep up with inflation; essentially, youend up living on yesterday’s money.

Taxes will likely be higher in thecoming decade. So, tax reduction andtax-advantaged investing have taken oneven more importance, whether you are20, 40 or 60. Health care costs areclimbing. We need to be preparedfinancially for the cost of acute, chronicand long-term care.

As you retire, you may assume that anextremely conservative approach toinvesting is mandatory. But, given howlong we may live and how long retirementmay last, growth investing is extremelyimportant.

No one wants the “Rip Van Winkle”experience in retirement. No one should“wake up” 20 years from now only to findthat the comfort of yesterday is gone.Retirees who retreat from growthinvesting may risk having thisexperience.

Note that investing in securitiesinvolves risk, including possible loss ofprincipal. No strategy can assure successor guarantee against loss in decliningmarkets.

How are you envisioning retirementright now? Has your vision of retirementchanged? Is retiring becoming more andmore of a priority? Are you retired andlooking to improve your finances?Regardless of where you’re at, it is vital toavoid the common misconceptions andproceed with clarity.

SCOTT MCCLATCHEY is a founder andLPL financial adviser with AllianceInvestment Planning Group, a Carbondale-based investment firm located at 115 S.Washington St. He can be reached at 618-519-9344 or scott@allianceinvestmentplanning.com. Securities offeredthrough LPL Financial, memberFINRA/SIPC.

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Thankfully, we livein a country withreligious freedomwhere “Congressshall make no lawrespecting anestablishment ofreligion, orprohibiting the freeexercise thereof.”Nevertheless, it is

becoming increasingly clear that we are allsupposed to worship at the First Churchof Sustainability. Sustainability isbecoming a secular faith that is taking onmany of the trappings of an organized,established religion.

Recently, Gov. Pat Quinn appeared onthe University of Illinois campus, whereuniversity leaders and the governor signeda “sustainability compact” committingthe university to “embrace a sustainableway of life.” Mixing religious and martialmetaphors, the governor stated: “You arethe front line. You are the troops that aregoing to take us to the promised land.You’re landing on the beach at Normandyand we’re going to win this greenrevolution.” Quinn might better havefocused on the near term goal of economicsustainability for the university, whichwas waiting to receive hundreds ofmillions of dollars from the state indelayed promised support.

The University of Illinois now has anOffice of Sustainability to promote thecause. A monument to sustainability isbeing planned in the form of a single $2 million-plus wind turbine to be builton the south campus. Note that even withsubstantial government subsidies, a singlewind turbine is not economically viable.That is why there are wind farms.

There are also enforced sacrifices andrewards to promote sustainability. Wehave the ritual of recycling even insituations where recycling does not makeeconomic sense. A number of parkingplaces at university lots are nowdesignated for hybrid vehicles, much tothe consternation of those facing a full lotwith no other available spaces. On oneoccasion last spring, Campus Recreation

participated “in the global sustainabilitymovement” by imposing an Earth Hourritual by closing its facilities for an hour todiminish its carbon footprint. Note theritual sacrificial nature of these actions inthat they are symbolic with little or noreal impact on the environment orsustainability.

More broadly, sustainability has otherreligious elements. The Catholic churchonce sold indulgences that mitigated thepunishment for confessed sins. Truebelievers in sustainability, such as AlGore, can buy carbon offsets where othersare paid to sacrifice to compensate fortheir less-than-sustainable behavior.

Sustainability also depends on theprospect of a religious-like apocalypticenvironmental disaster. Throughout theyears, the form of environmentalapocalypse has evolved. The first threatwas pollution that would eventuallyengulf humanity. Fortunately, this threathas receded.

By virtually every measure,pollution is less serious today than it wason the first Earth Day 40 years ago andcertainly compared to a century ago.

The next two disasters were overpopulation and resource exhaustion. Theearth would not be able to support agrowing population, and resources wouldeventually be used up. These twoassertions were effectively countered bythe underappreciated University of Illinoiseconomist Julian Simon, who died in1998. In a lonely campaign, Simondemonstrated that population growth in amodern society coincided with risingliving standards and innovation. Note thattoday’s declining populations are the realthreat in Europe and Japan. To highlightthe religious nature of the issue, Simonsometimes wore clip-on red devil horns indebates.

Simon also prevailed on the resourceexhaustion question, where he arguedthat market forces would be an effectivemeans of conserving resources. This washighlighted in his famous wager in 1980with noted environmentalist Paul Ehrlich(who wrote the book “Population Bomb”)about whether commodity prices wouldrise or fall. Simon and Ehrlich agreed onfive commodities, with Simon winning aconvincing victory in 1990 when the

prices of copper, chromium, nickel, tinand tungsten fell from their 1980 levels.

The current apocalyptic threat is globalwarming. There appears to be aconsiderable degree of consensus amongscientists that global warming isoccurring and is being exacerbated byhuman activity. Note that critics of globalwarming are labeled heretics or deniers.However, it has proven difficult to predictthe course of global warming (or cooling)because the earth experiences naturalcycles of warming and coolingindependent of human activity.

Even for proponents of global warming,the apocalyptic view has changedrecently. Careful studies, such as theBritish government’s Stern Report,suggested that substantial sacrifices areneeded now to avoid considerable damagedecades or even centuries in the future.The report concluded that paying a priceof 5 percent of world output today wouldbe needed to avoid a 10 to 20 percentdecrease 100 years from now. Critics,however, pointed out that the incomes ofpeople in 100 years will likely be severaltimes that of those today. This means thatrelatively poor people today would besacrificing to increase incomes of thericher unborn 100 years in the future.This hardly qualifies as an apocalypse.

The next and current version of theglobal warming apocalypse is the smallprobability of rapid global warming withmuch harsher consequences. Lowprobability events with high potentialcosts (such as a large asteroid strikingEarth) are notoriously difficult toevaluate. However, the suggested policyresponses now being considered toaddress global warming are totallyinadequate to deal with this catastrophicscenario. These half-measures have to beconsidered symbolic, not effectivesacrifices.

The religious nature of thesustainability movement should notlessen genuine commitments to theenvironment and conservation.Environmental goals can best be achievedby the market process where all resources,including environmental ones, areproperly priced.

This requires the intervention ofgovernment to set and enforce

appropriate prices in certain cases. Suchmeasures would force people to take intoaccount the full costs, including theenvironmental consequences of theiractions. Sacrifices in this setting wouldhave real and meaningful environmentaland economic payoffs, not just symbolicones.

It is often overlooked that the goal ofsustainability is a weak and passiveobjective. Sustainability is defined as the“capacity to endure” or “maintain.” Ifsustainability had been the goal of theUnited States when it formed more than200 years ago, we would have a tinyfraction of our current population, livinghalf as long as people today with percapita income less than 5 percent ofcurrent levels. Just as we should be carefulof what we wish for, we should also becareful of what we want to sustain.

J. FRED GIERTZ is a professor of economicswithin the University of Illinois’ Institute ofGovernment and Public Affairs. He can bereached at 217-244-4822 or jgiertz@ad.uiuc.edu.

NOVEMBER 2010 SOUTHERN BUSINESS JOURNAL 11

State FocusSustainability: Some words of caution about our ‘new religion’

Giertz

BY J. FRED GIERTZ SBJ CONTRIBUTOR

working with an amazing group ofvolunteers, partnering with arearestaurants, property managers andhotels. Vine Project Compassion hasassisted more than 60 families in findingand maintaining permanent housing. I amexcited about what the future of socialentrepreneurship might bring.

CAVANAUGH L. GRAY is the Director ofBusiness Development for The EntrepreneurCafé, L.L.C. in Carbondale. He can becontacted at cgray@ecafell.com or 618-206-7013. For more ideas on social enterprises orfor more information on how to start, grow &succeed in small business be sure to followThe Entrepreneur Café, L.L.C. on Twitterwww.twitter.com/ TheECafe or atwww.ecafellc.com.

BUSINESS: Doing goodFROM PAGE 7

Find more business newsat 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 A

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 Aug 1091.3

CFMMI Aug 1079.9

SOURCE: FEDERAL RESERVE BANK OF CHICAGO

Williamson County RegionalAirport passengers

618 175 p253.1%

3,066 982 p212.2%

Aug 10 Aug 09 Change

2009 Change

YTD TOTALS

MONTHLY TOTALS

Anna 72.7 114.5 113.3 112.3 111.7 109.7 p 4.4%Benton 44.9 69.4 71.4 72.4 75.0 70.4 q 1.4%Carbondale 345.1 565.5 587.7 607.4 610.4 579.4 q 2.4%Carterville 24.1 39.9 40.1 40.3 39.9 32.7 p 22.0%Chester 31.0 52.9 51.5 51.7 54.0 51.1 p 3.5%Du Quoin 41.9 100.8 91.9 94.4 103.1 95.0 p 6.1%Harrisburg 116.8 191.9 179.3 173.6 168.5 164.9 p 16.4%Herrin 92.6 147.2 135.9 134.4 137.5 127.9 p 15.1%Jonesboro 7.0 12.5 12.4 11.3 11.5 11.5 p 8.7%Marion 402.6 676.0 673.4 662.4 592.7 545.9 p 23.8%Metropolis 47.7 77.1 75.9 79.8 74.8 69.4 p 11.1%Mount Vernon 299.9 476.7 482.8 461.5 501.0 475.3 p 0.3%Murphysboro 76.6 129.1 117.1 94.9 93.0 94.6 p 53.4%Nashville 57.4 107.9 101.8 105.2 105.7 101.1 p 6.7%Pinckneyville 20.6 37.2 39.0 35.8 41.7 38.0 q 2.1%Red Bud 44.2 70.1 77.7 73.7 82.5 82.5 q 15.0%Sparta 74.1 126.4 130.5 129.5 133.1 127.7 q 1.0%Vienna 23.0 37.1 40.5 39.8 36.9 32.7 p 13.5%West City 52.6 91.9 89.6 82.8 77.7 70.8 p 29.8%West Frankfort 69.4 111.4 111.2 111.4 106.8 102.3 p 8.9%REGION $1,944.2 $3,235.5 $3,223.0 $3,174.7 $3,157.6 $2,983.0 p 8.5%ILLINOIS $847,786.7 $139,593.2 $237,438.0 $180,162.7 $173,362.8 $167,459.0 q 16.6%

YTD July 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 Aug 2010 Sept 2010 Aug 2009 Change month Change year

Unemployment rates for Southern Illinois counties, state and nation

Alexander 3,228 427 13.2% 13.3% 14.3% q 0.1 q 1.1Franklin 18,251 2,464 13.5% 14.5% 14.9% q 1.0 q 1.4Gallatin 2,846 290 10.2% 10.8% 10.9% q 0.6 q 0.7Hamilton 4,212 414 9.8% 10.2% 10.1% q 0.4 q 0.3Hardin 1,841 227 12.3% 12.5% 12.3% q 0.2 0.0Jackson 31,982 2,662 8.3% 9.0% 8.2% q 0.7 p 0.1Jefferson 20,913 2,054 9.8% 10.5% 10.1% q 0.7 q 0.3Johnson 5,202 588 11.3% 12.1% 11.7% q 0.8 q 0.4Massac 7,743 870 11.2% 11.0% 9.6% p 0.2 p 1.6Perry 9,671 1,142 11.8% 12.9% 12.5% q 1.1 q 0.7Pope 2,016 220 10.9% 11.9% 11.4% q 1.0 q 0.5Pulaski 2,932 353 12.0% 12.9% 12.6% q 0.9 q 0.6Randolph 15,764 1,400 8.9% 9.5% 9.6% q 0.6 q 0.7Saline 13,324 1,323 9.9% 10.8% 11.2% q 0.9 q 1.3Union 8,228 1,022 12.4% 13.2% 11.5% q 0.8 p 0.9Washington 8,539 675 7.9% 8.5% 8.5% q 0.6 q 0.6White 7,707 680 8.8% 9.4% 8.8% q 0.6 0.0Williamson 34,937 3,356 9.6% 10.3% 10.0% q 0.7 q 0.4 .,REGION 199,336 20,168 10.0% 11.3% 11.0% q 1.3 q 1.0ILLINOIS 6,679,533 663,191 10.9% 10.6% 10.4% q 0.7 q 0.5U.S. 154,110,000 14,860,000 9.6% 9.5% 9.7% p 0.1 q 0.1SOURCE: ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY, U.S. DEPARTMENT OF LABOR. FIGURES ARE NOT SEASONALLY ADJUSTED. 2,750 2,636 p 4.3%

2008ANNUAL TOTALS

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 Oct. 15, 2010.

694Carbondale

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 October 2010.

692U. S.

699State

698Region

SOURCE: EXPERIAN

SOURCE: AAA

Metro East $2.86 $2.81 $2.42Springfield $2.87 $2.86 $2.54Illinois $2.96 $2.97 $2.55U.S. $2.83 $2.73 $2.49

Oct 10 Sept 10 Oct 09

208

200

204

206

A

210

‘10

212

A

214

M J

216

J

218

A

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 averageAug 10 218.4

Midwest urbanAug 10 208.6

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

SM 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.

Sept 10 93.5

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 8 13 q 38.5% 137 169 q 13.3%Franklin 87 144 q 39.6% 989 1,341 p 7.5%Gallatin 20 19 p 5.3% 184 294 p 30.7%Hamilton 31 35 q 11.4% 224 287 p 10.4%Hardin 16 10 p 60.0% 94 109 q 19.3%Jackson 130 188 q 30.9% 1,348 1,969 p 21.4%Jefferson 101 138 q 26.8% 842 1,270 p 14.9%Johnson 29 41 q 29.3% 353 481 p 14.8%Massac 31 24 p 29.2% 278 422 p 3.7%Perry 55 72 q 23.6% 565 689 p 8.0%Pope 8 12 q 33.3% 85 123 p 10.8%Pulaski 10 13 q 23.1% 124 221 p 11.1%Randolph 79 121 q 34.7% 936 1,208 p 7.3%Saline 89 84 p 6.0% 719 1,064 p 15.7%Union 36 43 q 16.3% 447 596 p 11.6%Washington 28 59 q 52.5% 515 621 p 4.4%White 70 36 p 94.4% 471 721 p 8.6%Williamson 172 220 q 21.2% 1,868 2,515 p 9.7%REGION 1,000 1,282 q 22.0% 10,179 14,100 p 11.1%

Aug 10 Aug 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

Money MattersNOVEMBER 2010SOUTHERN BUSINESS JOURNAL14

Governor Blago at the OK CorralBefore his

conviction, it seemsthe formerGovernor intendedto pick a fight withthe federalgovernment overlong-term care . . .as he had done withthe importation ofpharmaceuticals

from Canada. As strange as it may seem,the delay since 2006 in implementingthe long-term care provisions of thefederal Deficit Reduction Act in Illinoisappears to have been part of Blago’sgrand scheme to be seen and heard asfighting for the “little guy” on healthcare.

The sheriff, however, caught up with

the governor before he got to the OKCorral for the contrived and pretentiousshoot-out with the federal government.Now that the street has been cleared ofthe roadblock, Illinois is moving aheadto implement the revisions to the long-term care Medicaid rules mandated byDRA.

Unfortunately, the proposed revisionsto the Illinois Medicaid rules, which arecurrently pending but not yet adopted,go much further than required by thefederal DRA. For example:l The new Illinois long-term care

Medicaid rules will be retroactive to Feb. 8, 2006, the date the DRA wassigned into law by President Bush. TheDRA merely mandates a five year “look-back” period; it does not mandateretroactivity.l The Illinois DRA rules will require a

person to enter a nursing home orsupportive living facility before the

person will be eligible for Medicaidcoverage of their care. Apparently,Medicaid coverage of at-home care willno longer be available.lUnder the current rules, a transfer of

assets that creates a “penalty period”(during which Medicaid will not coverthe cost of care) can be cured byreturning all or a part of the assets thatwere transferred. Under the new rules,nothing short of a full return of theassets will remove the “penalty period.”l The new rules will penalize all gifts

or transfers, even small gifts made forcharitable, church, or educationalpurposes.l The proposed rules also create

massive barriers to rectifying an ill-advised transfer . . . barriers which arenot required by the federal DRA law.l Finally, contrary to long-standing

public policy in Illinois of discouragingdivorce, the proposed rules will force

many married couples to divorce inorder to protect the financial security ofthe spouse that remains at home.

In short, seniors and their care-givingfamily members are at risk. Seniors andthose who love them need to do whatthey can before the effective date of thenew long-term care Medicaid rules.They need to consult without furtherdelay with a knowledgeable andexperienced elder law attorney on thesteps they need to take to protectthemselves, their home (or farm), and alifetime of savings.

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 info@habigerelderlaw.com.

The broad range ofeconomic datareports indicatesthat the pace of therecovery has slowedin recent months.It’s not that unusual— recoveries aretypically unevenacross time andacross sectors. The

current slow patch does not necessarilymean that we’re headed toward a double-dip recession. However, the downsiderisks to the growth outlook haveincreased.

From the beginning, this recovery wasexpected to be gradual.

Downturns caused by financial crisestend to be much more severe and longerlasting than typical recessions, andrecovering from them takes longer. You’resimply not going to get the strong snap-back from pent-up demand for homes

and new cars. More troublesome, we needmuch stronger economic growth — realgross domestic product growth on theorder of 5 percent to 6 percent for severalquarters — in order to recoup the 8.5million jobs lost in the downturn (plus,over time, absorb the continuing streamof new entrants to the labor force). Theunemployment rate is expected to remainelevated for a number of years.

Forceful headwindsThe economy has continued to face

some strong headwinds. There arelingering problems in residential andcommercial real estate, but these shoulddecrease over time. State and localgovernment budgets remain underconsiderable strain (especially in Illinois),leading to job cuts, reductions ingovernment services and some increase intaxes — all of which make the recoveryweaker than it would be otherwise.

Credit remains relatively tight,especially for small businesses, whichtypically account for a lot of the job

growth during an expansion. The federalfiscal stimulus is set to ramp down in 2011and the Bush administration tax cuts areset to expire at the end of this year.

On the positive side, the financialsystem is in much better shape thanbefore the recession. The bank rescue,while generally unpopular, helpedstabilize financial conditions.

Corporate profits have recovered,largely on the basis of cost-cuttingefforts, although we have seen a fairamount of top-line growth — and cashpositions are strong, business fixedinvestment was strong in the first half ofthis year.

Two-pronged recession?What might cause a double dip? There

are three possibilities:lAn adverse shock to the system (such

as a major natural disaster or oil prices

moving above $100 per barrel).lBad attitudes (by which is meant

expectations of a further downturn thatcould become self-fulfilling if consumersincrease savings and firms stop hiring).lA policy mistake (the Federal Reserve

increases rates too early or taxes are raisedtoo soon).

Fed Chairman Ben Bernanke is anexpert on the Great Depression and thelessons it contained — so the Fed isunlikely to tighten policy anytime soon. Infact, the Fed is considering morequantitative easing.

The prospects for further fiscal stimulusare slim, given the public mood againstlarge budget deficits. On the other hand,fiscal belt-tightening, while wellintentioned, would extend the recoverytimeline.

MICHAEL P. TISON is an investment adviserand registered principal with Raymond JamesFinancial Services, Inc., with offices inHarrisburg and Marion. He can be reached at618-253-4444 or michael.tison@raymondjames.com.

BY RICHARD HABIGERSBJ CONTRIBUTOR

Habiger

Tison

BY MICHAEL P. TISONSBJ CONTRIBUTOR Find more business news

at www.sbj.biz.

Just a pause … or a double dip recession?

NOVEMBER 2010 SOUTHERN BUSINESS JOURNAL 15

Tax PlanningPlan for year-end giving

If done carefully,giving before year-end could provideyou with a doublebenefit. First, youwill be supportingthe good works ofyour favoritecharity. Secondly,tax incentives mayenable you to do

more than you realized possible, evenimproving your own financial position inthe process. Availability of the incometax deduction helps the charitableperson be even more charitable.

Possible benefits with a year-end gift:l Save on this year’s income tax.l Save on capital gains tax.l Save on future estate tax.*l Increase your support for charity.If you itemize deductions, a gift is

deductible in the year you make it.Generally, the effect of the deduction isthat the higher your income tax bracket,the more you will save in taxes. Manystates also allow an income taxdeduction for charitable gifts, so thetotal tax savings are often higher thanthose generated by the federal incometax deduction alone. If you have had totake the standard deduction in pastyears, giving more may increase yourdeductions above the standard. This mayqualify you for a greater tax benefit.

The most simple and direct option isgiving cash. You can make anunrestricted donation, and the charitywill use the gift to meet its greatestcurrent need. Alternatively, you maydesignate a gift for a specific purpose. Agift of cash may be deductible up to 50percent of your adjusted gross income,and gifts in excess of 50 percent may becarried over as a deduction into the nextfive years.

Stocks and other investments thathave grown in value and owned longerthan one year can become a substantialgift with a low net cost to you. Youreceive a charitable deduction for thedonation, which is based on the stock’sfair market value on the date of the gift.

In addition, the bonus is that you avoidthe federal capital gains tax that wouldotherwise be owed on a sale of theassets.

When thinking of gifts of real estate,your first thought might be that you donot own property near the location ofthe charity. The fact is almost any realestate, developed or undeveloped, ispotentially a charitable gift. If you haveowned your home or other real estate fora long time, it likely has significantlyincreased in value. You can donate theproperty outright, place it in trust orretain financial benefits whilesupporting work of the charity.

If you are issuing a check to acharitable organization, the effectivedate of your contribution is the date it ishand delivered or mailed. Stock that isheld in electronic form can betransferred through your broker to anaccount in the charitable organization’sname. The value and date of the gift aredetermined by the date of the transfer,which is generally the date the securitiesare received in the charity’s account. Theactual date of a gift of real estate is thedate you deliver the signed deed.

Before making your gift, you shouldfirst check with the charity to make surethe timing and type of gift meets its giftacceptance policy. It is also importantfor you to consult with your professionaladvisor before deciding on a gift and themethod of gift to ensure that it doesmeet with your expected gifting and taxplanning goals.

For more information, go towww.sih.net/waystogive for anextensive review of gifting options.

Your generous gifting spirit is alwaysappreciated by the charity.

*Federal estate taxes are currentlyrepealed for all deaths that occur in thecalendar year 2010. In 2011, estate taxes arescheduled to be reinstated for estates worthmore than $1 million at rates up to 55percent. However, Congress might reinstateestate taxes sooner than 2011. Informationprovided by the Stelter Company.

GENE A. HONN is director of funddevelopment for Southern IllinoisHealthcare.

BY GENE HONNSBJ CONTRIBUTOR

Honn

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

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F M G R

NOVEMBER 2010SOUTHERN BUSINESS JOURNAL16

WorkplaceThe horse-human connection:

Gender behavioral differences in equine action

Horses and gendercommunication —two of my favoritesubjects. For mynext two columns, Ithought I’d combinethem for aninteresting look athow they relate.

Horses, likehumans, are a blend

of masculine and feminine behavioral andcommunication styles. One significantdifference separates us, however. Humansstruggle daily with misperceptions,misunderstandings and rampantconfusion as to how to communicateeffectively with the style opposite fromtheir own. Horses also struggle whentrying to understand us, but, in theirworld, naturally and easily adopt amasculine or feminine style as the needarises.

So, horses demonstrate ideal styleflexibility. Both men and women would bewell served to use each other’scommunication style — in moderationwhen the situation calls for it. By nomeans should women use a masculinestyle exclusively, or vice versa. One of themost damaging behaviors many womenadopt is trying to become “one of theguys” to fit into the traditionally man’sworld of business. Doing so suppressestheir authenticity and, in the long run,does much more harm than good. It willbackfire personally or professionally, orboth. A horse never tries to be somethingit is not. Learn how to communicate withit in a way it understands or you won’t getwhat you want.

For those who may bristle at thesuggestion to ever use a style other thantheir own, I suggest you just simply re-frame the perception: Isn’t this a twist tothe Golden Rule, treating others as youwould like to be treated? I.e., if you wouldlike to be communicated with your ownstyle, assume that others would prefer youcommunicate with them in their style. As

famed horse clinician Pat Parelli said, “Ifyour horse says no, you either asked thewrong question, or you asked the questionwrong.”

The following are communication andbehavioral tips for both men and womenthat will help improve productivity,working relationships and chances foradvancement. As I explain each style tip, Ihave interpreted it through the eyes of ahorse for your interest and entertainment.Please note that I am not implying thatmen or women are like horses, just thatour communication styles have somesimilarities and, therefore, opportunitiesfor interesting learning. (Personally, Iwould love to be compared to a graceful,spirited, authentic, beautiful, intuitive,spiritual, big-hearted creature, but that’sjust me.)

Tips for women communicating with men

Be succinct, to the point, but notabrupt. Horses will lose trust and respondnegatively to anger and rudeness. Unlikedogs and more like people, they do notlove unconditionally. Hold details forback-up purposes. Horses get bored andmentally tired easily. Give them onlyexactly what they need at any particularmoment during a training session or ride.

Avoid tag questions, apologies,disclaimers (“This is a good report, don’tyou think?” Better would be, “Goodreport.”; “Well, this is just my opinion,but…” Better would be “I think weshould…”) Horses need clear, direct, yetgentle communication to be effective.They do not respond to indirect or weakcommunication. (Unless they have workedwith you enough and love you enough toread between the lines. Sound familiar?) Ifgentle doesn’t work, dial it up a bit. If thatdoesn’t work, a bit more still. (Voice, thentap, then squeeze) But be sure you’reasking clearly, in language theyunderstand!

Reduce personal disclosure andproblems. (Men don’t bond and processthe same way women do. This behaviormakes them uncomfortable and they may

view it as weak and unstable.) In this case,horses have the feminine style. Share asmuch personal information as youpossibly can with a horse. They are thereto heal, support, absorb and love.Generally, they love the human voice andjust want to be with their owners, even ifdoing nothing but chewing hay andflicking an ear while listening.

Handle conflict directly, politely, withempathy. (Be clear, to the point, but notrude or abrupt. If you are nervous aboutan upcoming confrontation, write outyour thoughts to clarify and focus them.)As mentioned, horses do not respond wellto anger, rudeness, or indirectcommunication. Just tell them what youwant, with clarity, clear intention, gentlefirmness and love in your heart.

Make most decisions independently.(Reduce asking others for their opinion forconsensus’ sake. Men see this asindecision and lack of confidence.) Horsesare always looking for the leader. If theydon’t find it, they will take over. Someonemust be the leader and, for best results, itshould be the human. Just step up to theplate and get things done.

Avoid strong displays of emotions. (Mensee this as weakness, too emotional andnot managerial.) Loud outbursts will scarea horse. Keep in mind that they are preyanimals, more like deer than the dogs andcats we are accustomed to. Humans are atthe top of the predator chain. Therefore,sudden noises and movements, especiallycoming from such a powerful predator as ahuman, can easily frighten a horse.

When interrupted, be direct andcourteous, not sharp, but take back thefloor. (“Hang on a second please, thanks.”Put your hand up to signal “stop” if youhave to.) Horses, like children and somepeople, will constantly test yourleadership skills. Use this skill to bringthem back into focus for success.Wiggle the lead rope, tap their side,cluck your tongue.

Remember, you don’t have to likesomeone to get the job done. To besuccessful with horses, it’s moreimportant for them to respect and trustyou first. They want to know you are the

leader. Like can come later, and will, if therespect and trust remain consistent. Likecan come first; but, without the respectand trust, they will still run over you andchallenge you at every turn.

Be flexible and keep a positive attitudeabout differences. (Different is not right,wrong, bad or good — just different.)Horses, contrary to some opinions ofstubbornness (OK, like some people, somehorses are more stubborn than others), arethe epitome of flexibility. They glidequickly back and forth from a masculine tofeminine style depending on the situation.One minute grooming their best friend,the next biting an annoying pasture-mateto keep him in line, then back to groomingas if nothing else happened. And the bitewas not executed with anger, only directfirmness. Five minutes later, she’ll begrooming the horse she bit.

Charles de Kunffy, Hungarian dressageexpert, noted, “For horses can educatethrough first-hand, subjective, personalexperiences, unlike human tutors,teachers and professors can ever do.Horses can build character, not merelyurge one to improve on it. Horses forge themind, the character, the emotions andinner lives of humans. People can talk toone another about all these things andremain distanced and lonesome. Inpartnership with a horse, one is seldomlacking for thought, emotion andinspiration. One is always attended by agreat companion.”

Tips for men communicating withwomen in next month’s issue!

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 is the creator of the UndercoverConfidante service, offering discovery andsolutions to challenging employee issues. Sheis author of “GenderSmart: Solving TheCommunication Puzzle Between Men andWomen,” available on her website. Reach herat 618-204-5540, jane@janesanders.com orwww.jane sanders.com.

Sanders

BY JANE SANDERSSBJ CONTRIBUTOR

Angelic Artistry PermanentMakeup opens

Angelic Artistry PermanentMakeup Inc. recently opened forbusiness inside Airbrush Alley inIllinois Centre mall in Marion.

Owner and certified technicianZelta Walling uses only the bestquality pigments — no ironoxides.Walling offers a wide selection ofpermanent makeup colors. She uses100 percent disposable parts, sothere is no possibility of crosscontamination.

Call 618-922-4872 for anappointment.

Ketring joins AssociatedPsychotherapists

Elaine A. Ketring, a licensedclinical professional counselor andlicensed child welfare specialist,joined the Herrin-based AssociatedPsychotherapists in July.

Ketring has 15 years of experiencein treating depression, anxiety andbehavioral disorders. In her generalpractice, she plans to see childrenages 4 and older, adolescents,adults and senior citizens.

Call 618-988-1757 for anappointment.

Parton attends seminarBetty J. Parton of Marion, a

Modern Woodmen of Americarepresentative, recently completeda five-day educational program atModern Woodmen’s home office inRock Island.

The program covered retirementdistribution techniques tomaximize income to recipients,while minimizing potential incometax liabilities during retirementyears.

Williams to serve as forum facilitator

Russ Williams, a SouthernIllinois native, will serve as thefacilitator of a forum for non-profitorganizations. A noted fundraisingspecialist, Williams is director ofdevelopment at Brehm School inCarbondale and a consultant with

Growing Givers Consulting.Southern Illinois Community

Foundation will host the forumfrom 8:30 a.m. to 4 p.m. Nov. 12 atKokopelli Golf Club in Marion.The forum, “Making the Ask:Fundraising in a Tough Economy,”will address the best fundraisingpractices, the development processand the fears behind asking formoney.

Continuing education credits areavailable for professionals.Registration is $25 per person,which includes lunch at Kokopelli.

To register or for moreinformation, call Southern IllinoisCommunity Foundation at 618-997-3700. Registration also isavailable at www.sicf.org.

Webb named to stateprogram committee

Goreville Community UnitSchool District 1 SuperintendentDr. Steve Webb has beenappointed by State SuperintendentDr. Chris Koch and the Illinois StateBoard of Education to a new Illinoisstate initiative aimed at betterpreparing children to enter K-12education.

Webb will serve as the onlymember south of Springfield on theKindergarten ReadinessAssessment StakeholderCommittee based out of the EriksonInstitute in Chicago.

The committee consists ofmembers of each chamber of theIllinois General Assembly from boththe democrat and republicancaucuses, representatives of each ofthe teacher unions, and educationspecialists from across the state.

Morse, Harris receivenational awards

Country Financialrepresentatives David Morse ofHarrisburg and Mike Harris ofCarbondale recently receivednational awards for helping clientssecure the right insurance productsto cover their financial risks.

Morse received the NationalQuality Award, and Harris received

the National Multiline Sales Award.The awards are presented annuallyby the National Association ofInsurance and Financial Advisors.

Morse serves clients from hisoffice at 116 N. Veterans Drive inHarrisburg, and Harris servescustomers from his office at 526 E.Main St. in Carbondale.

Governor appoints Robert to advisory board

Kim Robert recently wasappointed by Gov. Pat Quinn to theIllinois Radiologic TechnologistAccreditation Advisory Board.Robert has been the director ofRend Lake College’s radiologictechnology program since 2007.

The RTAA Board advises theIllinois Emergency ManagementAssociation on radiologic-relatedprofession or occupationaccreditation requirements. TheIEMA currently accreditsapproximately 14,000 medicalradiation technologists, of which11,700 are radiographers.

Robert, 35, of Clinton County, isthe only RTAA Board member fromSouthern Illinois. Her term willexpire April 4, 2013. She has been amember of RTAA since 2008.

Poole joins dental teamApril Poole joined the team of

James E. Simpson, D.M.D., andCarterville Family Dentistry inJune.

Poole provides dental cleaningsand sealants, as well as periodontalscaling and root planning. She hasworked as a dental hygienist since2001.

Cox, Smith join SIDEZAmy Cox and Tabatha Smith

recently joined SouthernmostIllinois Delta Empowerment Zone, Inc.

Cox joined SIDEZ on Oct. 5,replacing longtime ExecutiveDirector Donna Raynalds. Coxreceived a degree in urban andregional planning from theUniversity of Illinois and previouslyworked with Apollo Equity Partners

NOVEMBER 2010SOUTHERN BUSINESS JOURNAL18

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 news

Walling Ketring

Williams Webb

Harris Robert

Cox Smith

White

Terry

Parton

Morse

Poole

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 consider

passing on your employment news and photosto the Southern Business Journal.

Feel free to e-mail the information to sbj@thesouthern.com.

NOVEMBER 2010 SOUTHERN BUSINESS JOURNAL 19

Call Pepsi MidAmerica Food Services for all of Your Vending Needs!

1-800-827-7020FoodServices@pepsimidamerica.com

and the National Equity Fund as a LowIncome Housing Tax Credit assetmanager.

Smith, of Mounds, joined SIDEZ as anexecutive assistant Sept. 7. She previouslyworked for Southern Illinois DrugTaskforce and Pulaski County state’sattorney.

Terry publishes new bookDixie Terry, a freelance writer based in

Goreville, recently published a new book,“From My Kitchen Window, SecondEdition,” a 15-year compilation of her foodcolumns of Springhouse Magazine.

The first edition contained the first 10years of columns. Both books are availableat The Chocolate Factory in Pope County,Wolf Creek Antiques and Grace ArtGallery in Goreville, Shawnee Winery andCarnegie Library in Vienna and TheBookworm in Marion and Carbondale.

Book signings will be conducted in thenear future. Terry can be contacted at 618-995-2491.

White receives recognitionLeonda White, activity director for

Fifth Season Residential Assisted Living inBenton, is one of 12 winners in a contest

conducted recently by KFVS Channel 12.The contest, “Heartland’s Best

Healthcare Professionals,” generated 150nominations from 50 counties in the tri-state area.

White and the other 11 winnersthroughout the region were interviewedrecently on the station’s Breakfast Show.

Craft consignment shop opensA new consignment shop opened

recently at 411 W. North St. in Sesser. Thisshop is for crafters and artists only.

Co-owners Jane Baine and herdaughter, Sara Montgomery, both ofSesser, are artists themselves. Some of thecrafts that are represented includemosaics, jewelry, sewn and embroidereditems, flower arrangements, crocheteditems, quilts, pillows and wooden yarditems, as well as fall and Christmas items.

The shop hours are 10 a.m. to 7 p.m.Thursday and Friday; and 10 a.m. to 4 p.m. Saturdays. To speak with an owner,call 618-625-6125.

Holistic Wellness Centercelebrates grand opening

Holistic Wellness Institute celebrated itsgrand opening recently at 1827 W. Main

St., Murdale Shopping Center, inCarbondale.

Demonstrations of some of the mostadvanced holistic medical devices in theMidwest were presented, including theNeuroAcoustic Chair Therapy. There werealso demonstrations of various healingmodalities, including massage, Reiki andCranial Sacral Therapy.

Employee of the month namedCorrectional officer George Johnson

was selected August 2010 Employee of theMonth at Tamms Correctional Center.

He began his career at the center in2000 as a correctional officer.

Complete Family Eyecare opensDr. Chase Rudolph, O.D., recently

opened Complete Family Eyecare Inc., at2813 S. Park Ave. in Herrin.

Herrin Chamber of Commerce hosted aribbon-cutting ceremony Sept. 30 towelcome him to the business community.

Dealer of the Year namedMurdale True Value Inc. of Carbondale

was recognized as Brand Source Dealer ofthe Year at the organization’s nationalconvention recently in Las Vegas.

Selection criteria include dedication tocustomer service, demonstration ofleadership, participation in organizationevents, utilization of Brand Sourcebusiness tools and programs.

Jasones Bed & Breakfast opensJasones Bed & Breakfast and Restaurant

recently hosted its grand opening.The new business is at 1414 W. Main St.

in Marion, and it is owned and operated byDebbie Hayes.

For more information, contact Hayes at618-364-5128 or jasonesbb@gmail.com.

Harrah’s recognizes staffHousekeeping staff members at

Harrah’s Metropolis Casino and Hotelwere recognized for their outstandingcontributions as Harrah’s Metropoliscelebrated International HousekeepingWeek from Sept. 20 to 24.

The highlight of the week was the firstHousekeeping-Environmental ServicesChallenge on Wednesday in the hotellobby. The challenge involved a series ofevents similar to those seen on a televisiongame show. The overall team winnersreceived a trophy to display in theirdepartment until next year’s competition.

John A. Logan CollegeHighway Construction Careers Training Program

(Funded by the Illinois Department of Transportation, Administered by the Illinois Community College Board)

Do you have a valid Illinois driver’s license?

Are you 18 years or older, have your high school diploma or GED and have an interest inworking in the construction trades?

Would you like to learn how to participate in the Highway Construction Careers Training Program?

If YES, contact us today!A Highway Construction Careers Training Program has been implemented to increase thenumber of minorities, women and disadvantaged individuals working on IDOT highway construction projects.

The training consists of an intensive 8-week program to learn the skills necessary for acceptance into the highway construction trades and the opportunity for a career with high wage earning potential.

The training includes, but is not limited to:• Math for the trades• Job readiness• Technical skills coursework• OSHA 10 certification

Tentative Start Date: November 15, 2010Contact: Mark Etters

(618) 985-2828, ext. 8643marketters@jalc.edu

JOB PLACEMENT OPPORTUNITIES:Laborers • Equipment Operators • Ironworkers • Carpenters

• Cement Masons • Electricians • Pipefitters, Plumbers • Painters

NOVEMBER 2010 SOUTHERN BUSINESS JOURNAL 21

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

Building permitsCarbondaleAsgard Land Trust, 1280 N. Reed Station Road,

$200,000Houlihan’s Restaurant, 2310 Reed Station

Pkwy., $60,000Dimaggio’s Pizza, 1040 E. Walnut St., $45,000America’s Best Inns, 1345 E. Main St.,

$50,000Pearl Grammer, 603 N. Allyn St., $101,000Harold Barkley, 303 N. Poplar St., $10,000Kurt Schilling, 601 S. Tower Road, $5,000William Eaton, 410 N. Springer St., $20,000Bradley Clark, 913 N. Carico St., $300Steven Hogan, 1003 S. Johnson Ave., $2,000David McAuley, 917 W. Sycamore St., $2,000Hangar 9, 511 S. Illinois Ave., $400,000

HerrinDeon McGuire, 2216 Weaver Road, $44,000Herrin Homes, LLC, 1801 Crown Road,

$80,000Gail White, 2302 Elias Drive, $120,000John Pisoni, 800 N. 14th St., $52,300Jason and Joanna Ferrell, 2300 Elias Drive,

$133,000Darren Vaughn, 3213 Mustang, $150,000Sean Wade, McVicker Drive, $175,000

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

MetropolisMarcal Rope and Rigging, Inc., 5357 Industrial

Park Road, $530,000Alden Whalen, 609 E. 6th St., $0Clifford and Lois Harvill, 620 E. 10th St.,

$1,500Jesse Goines, 4122 Red Oak Road, $1,200Robert Cohoon, 8418 Hamletsburg Road,

$3,000Joe and Kathryn Jackson, 709 E. 2nd St.,

$12,000AAA Stow-A-Way Storage, 19 Pullen Road,

$5,400Frontier Communication, 12 Corporate Drive,

$2,000

Janice Hadsock, 311 W. 4th St., $0Harrah’s Entertainment Inc., 100 E. Front St.,

$30,000Harrah’s Entertainment Inc., 100 E. Front St.,

$50,000

Mount VernonMarshall Daniels, 14 Sassafras, $30,000Ford Larsen, 1904 15th St., $15,000MVFD Local 738, 1100 Main, $0Crossroads Hospital, 8 Doctor’s Park, $62,000American Tower Corp., 1900 8th St., $25,000Jerry Jones, 7 Circle Drive, $2,000Oak Grove Village, 25 Cottonwood, $6,700Oak Grove Village, 56 Pecan, $6,700Oak Grove Village, 24 Cottonwood, $6,700Oak Grove Village, 178 Aspen, $6,700Oak Grove Village, 149 Juniper, $6,700Oak Grove Village, 60 Pecan, $6,700Oak Grove Village, 40 Beech, $6,700Gary and Anita Hewerdine, 1228 Welkins,

$21,000Clara Thomas, 14093 Parkland Lane, $7,500Virginia and Lydel Hudgens, 1514 Triangle,

$7,000Family Life Assembly of God, 2901 Veterans

Memorial. Drive, $0Fred Barker/Robert Kennedy, 334 4th St., $0Gary Stover, 228 19th St., $0Chris Michel, 700 7th St., $0West Salem Trinity Church, 4212 Broadway, $0Jack Weems, 311 Castleton, $1,300Granada, 109 9th St., $1,000Oak Grove Village, 229 Cottonwood, $9,000Bob Troutt Memorial Foundation, $9,000Rollie Excavating, 711 Bell, $0Rollie Excavating, 231 Opdyke, $0Rollie Excavating, 223 Opdyke, $0Rollie Excavating, 1023 Welkins, $0Rollie Excavating, 430 18th St., $0Rollie Excavating, 905 22nd St., $0Rollie Excavating, 1411 12th St., $0Rollie Excavating, 517 21st St., $0Joyce Hubbard, 503 Liebengood, $926Dunham’s, 3917 Broadway, $600,000Dollar Tree, 4511 Broadway, $0Pizza Hut, 3519 Broadway, $600,000Corinthian Baptist Church, 1026 Newby,

$429,000Oak Grove Village, 227 Cottonwood, $6,700

West FrankfortChad Downs, 906 S. Monroe, $20,000Ed Smothers, 6075 S. Binkley, $10,000Terri Minton, 402 E. 5th St., $56,000Jeff Morris, 1910 E. Cleveland, $10,000Crosswalk Community, 409 W. Oak, $28,129

Tim Vhls, 1309 E. St. Louis, $18,500Paul Moak, 711 W. 7th, $4,000Jason Smith, 401 E. Charles, $30,000Kinsman Interprise, 10804 Mark Twain,

$320,000

BankruptciesChapter 7Brian Wright and Karen Wright, RR1, Box 111,

HerodDLS Trucking Enterprises Inc., 2293 Doran

Road, Creal SpringsRobert Campbell and Ladonna Campbell,

11194 Shadow St., MarionJonathan McPherson, 1317 Salem Road, Apt.

31, Mount VernonRichad Luh, 15 S. Hickory St., Du QuoinChristine Sherrill, P.O. Box 82, CarbondaleLori Zimmerman, 1 Antler Court, Apt. B,

MakandaScott Schroeder and Donna Schroeder, 1421

Swanwick St., ChesterJames Andros, 1516 Pace Ave., Mount VernonYogeshkumar Patel and Smitaben Patel, 107

Greg Lane, CarbondaleEverett Young and Roberta Young, Route 1, Box

74, RinardJudith Doxsie, 707 N. Eighth St., BentonJustin Rich, 607 Fifth St., West FrankfortDavid Stone and Leah Stone, 11310 Norman

Road, MarionCharles Houseworth and Regina Houseworth,

949 N. Poole Lane, EwingJohn Vaughn, 1025 S. Webster St., HarrisburgRebecca Donelson, 1244 Midway Court, MarionRobert Donelson, 1244 Midway Court, MarionSarah McGee, 323 E. Sixth St., Mount CarmelJoseph Graziano, P.O. Box 346, Johnston CityMichael Moss, 1001 N. State St., MarionJohn Vaughn and Sandra Vaughn, 918 S. 22nd

St., HerrinDebbie Seibert, 1812 Highland View, Mount

VernonJames Shumway, 1024 Henry St., ChesterChristina Kelton, 603 Madison St., EldoradoRobert Lickteig and Mary Lickteig, 4260

Heritage Ave., Apt 218, Mount VernonMary Lickteig, 4260 Heritage Ave., Apt. 218,

Mount VernonPeter Hubbard and Tina Hubbard, P.O. Box 183,

CoultervilleDonald Brown and Kelli Brown, 3412 Nature

Trail Lane, Mount VernonHazel Williamson, P.O. Box 433, DowellAngela Sullivan, 400 S. Captial St., HarrisburgTimothy Monroe, 407 S. Welver St., RidgwayPatrick Edwards, 1912 Brown Place,

MurphysboroSusanna Gaertner, 774 Cedar St., ChesterAdam Feig and Kristen Feig, P.O. Box 14,

IrvingtonTrudy Dixon, 1525 N. Franklin Drive, BentonBambi Stearns, 209 Ferne Clyffe St., GorevilleShirley Murrie, 22 W. College St., HarrisburgHarry Woodney, P.O. Box 163, TammsPhyllis Etherton, Route 2, Box 92, GolcondaMargaret Chancey, 706 W. Raymond St.,

HarrisburgGregory Coomes, 260 W. Third St., BonnieKay Holt, 3005 W. Broad St., JonesboroRichard Logsdon, P.O. 183, SesserCecil Jacobs, P.O. Box 245, De SotoJulie Birchfield, 13279 Macedonia Road,

MacedoniaRachael Willis, 321 E. Locust St., HarrisburgJames Charles and Nancy Charles, 195 Fair

City Road, JonesboroDennis Docherty, 6289 Second St., BentonJason Casper and Shasta Casper, P.O. Box 27,

Mound CityBrandy Meadows, 945 Mount Mission Road,

MetropolisLarry Powers and Jessica Powers, 206 W.

Cherry St., McLeansboroJohn Willingham and Michael Willingham, 525

W. Sixth St., Mount CarmelWilma Lott, 1709 Metropolis St., MetropolisKevin Phillips, 373 County Road, 950 N. Norris

CityMarcia Fielden, 126 S. Graham St., Wheatfield,

Ind.Randall Bittle and Lynn Bittle, 12762

Greenbriar Road, CartervilleGerald Henderson, 134 W. Second St., New

BurnsideChanserey Chou, 802 Vinewood Lane, MarionMilton and Misty Dishman, 185 Triple S. Road,

HarrisburgKeith Ratliff, 45 Maple St., MuddyWeldon Rorer and Carol Rorer, RR1, Box 24,

GolcondaChristina Baird, P.O. Box, 237, HarrisburgBabe Hoover, P.O. Box 157, CartervilleBetty Cross, 711 N. Carico St., CarbondaleJason Weidner, 16608 Heartherbrook Lane,

MarionTimothy Brashear and Carolyn Brashear, 201

Washington St., GeffMark Hendershot and Susan Hendershot, 703

Harrison St., ChesterEverett Freeman and Brenda Freeman, 931 S.

County Line Road, Carbondale

SEE FINE PRINT / PAGE 23

NOVEMBER 2010 SOUTHERN BUSINESS JOURNAL 23

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

Ruth Benson, 715 E. Cowling Ave., BonnieKevin Jennings and Donna Jennings, 57

Colonial Lane, GrantsburgRichard Crawford and Lindsay Crawford, 206

Oak Drive, MetropolisMary Bagley, 11747 Kelly Road, CoultervilleJames Halpin, 605 E. Lindell St., West FrankfortDallas Finney, 4213 Cumberland Pike, Apt. 3,

Mount VernonJerry Peeler, 9735 Old Highway 1, MurphysboroMary Peller, 48 Wood Road, MurphysboroTimothy Hall, 802 N. Ninth St., Mount VernonTracey Hopkins, 105 Haleigh Drive, EnergyLanita Crawford, 1508A Cornerstone Court,

MarionGregory Jack, 301 N. 12th St., HerrinKimberly Mick, 9182 E. Illinois 15, Mount

VernonJessica Stover, 508 N. Park St., McLeansboroDoyle Bradley and Connie Bradley, 211 Cedar

St., Mount CarmelBrad Williams and Jaclyn Williams, 108 N.

Eighth St., HerrinJacob Frick and Jennifer Frick, 13341 N. Panzier

Lane, Woodlawn

Chapter 13Dorice Gursky, 601 N. Logan St., MarionJohn Farrell and Linda Farrell, 1206 N. Mayer

Caliper St., CartervilleGerald Dunn, 84 Dunn Lane, CarbondaleDonald Sollers, 2293 Doran Road, Creal

SpringsDavid Garnett and Shari Garnett, 602 Cedar

Creek Road, MakandaSandra Hall, 18222 E. Fork Road, West

FrankfortKristilyn Orr, 510 Prosperity St., CartervilleAaron Plott and Tia Plott, P.O. Box 504, AnnaLauren Kribley, 2021 Brownsville Road, Mount

VernonRobert Oetjen and Cynthia Oetjen, 151

Hoffman Road, MurphysboroJohn Snell, P.O. Box 363, DongolaKarri Snell, 105 Maple St., ZeiglerJeffrey Gesinger, 3005 Allen Road, BuncombeMartha Unthank, 1800 Glenwood Ave.,

EldoradoChristopher Follmer and Janese Follmer, RR 5,

Box 247, McLeansboroSandra Stanhouse, 729 Terrace Drive,

Du QuoinSterling Tompkins, 151 Hemlock Lane, Villa

RidgeJay Rossi, 163 Parkwood Road, CarbondaleJamie Mayberry, 407 E. Dayton Ave., HarrisburgCarl Kilman and Loretta Kilman, 7135 Kilman

Road, CarbondaleDeSande R., 513 W. Oak St., Carbondale

Kathryn Prusacki, 339 W. Second North St.,Tamaroa

William Baggett, 190 Makanda Road, MakandaAriel Choate, 1212 E. Boyton St., MarionDale Dodson and Talina Dodson, 32739 Main

St., TammsDanielle Castellano, 509 E. Boulevard, apt. a,

MarionLesa Shelton, 304 S. 15th St., MurphysboroRobert Ramsey and Laura Ramsey, 408 E.

College St., MarionSandra Deming, 1005 S. 11th St., HerrinBetty Bennett, 631 W. Barnett St., HarrisburgDamon Morris and April Morris, 101 E. Lincoln

St., HarrisburgTravis Stuart and Michelle Stuart, 721 W. 21

St., HerrinAmy Turner, 1300 Marion St., CartervilleMindy Staats, P.O. Box 88, InaMadeline Miller, 1 Alexander Road, CarbondaleElan Hogue, 4222 Rose Lane, apt. 11, Mount

VernonRonald Dunlap and Cheryl Dunlap, 865 Rolling

Hills Road, KarnakCurtis Frey, P.O. Box 564, MarionKathy Karnes, 1114 S. Holland St., HarrisburgKevin Parker and Amber Parker, 14960

Lighthouse Road, PittsburgWilliam Shepard and Tammetha Shepard, 410

N. Buchanan St., BentonRichard Kiger, 503 North Main St., RoyaltonJoshua Ticer, 120 N. 37 th St., HerrinRichard Linton and Barbara Linton, 11237

Heritage Lane, BentonJon Boren, 5572 Orient Blacktop, BentonCarolyn Marshall, P.O. Box 323, OlmstedDouglas Cowan and Tina Cowan, P.O. Box 316,

AvaJeffrey Hastings, 547 S. 17th St., MurphysboroTonya Reynolds, 1801 Franklin Ave., Mount

VernonAnna Connell, 313 N. Douglas St., West

FrankfortTonya Stewart, 1801 Franklin Ave., Mount

VernonMarvin Mize and Teressa Mize, P.O. Box 7,

OrientKimberly Knowlton, 7221 N. Cherryville Lane,

WaltonvillePatricia Hertz, 1450 Mount Hebron Road,

MakandaDonna Montgomery, P.O. Box 15, Johnston CityDarla Hargett, 21750 Shawneetown Road,

ThompsonvilleMerle Garrison, 700 S. Duncan, Marion

Find more business newsat www.sbj.biz.

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

Nov. 1Beginning Access 2003: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mailcbi@jalc.edu.

Nov. 2Beginning Access 2007: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 CollegeRoad, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 3Beginning Excel 2007: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 CollegeRoad, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 5Beginning QuickBooks 2009: 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-mailcbi@jalc.edu.

Nov. 8Intermediate Publisher 2007: 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-mailcbi@jalc.edu.

Nov. 9Intermediate Access 2007: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mailcbi@jalc.edu.

Nov. 10Intermediate Excel 2007: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 CollegeRoad, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Starting a Business in Illinois Seminar: 6 to 8 p.m., Murphysboro Township BoardRoom. Free. An optional business start-upkit is available for $15. Call 618-536-2424or e-mail sbdc@siu.edu.

Nov. 15Intermediate Access 2003: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 CollegeRoad, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 16Advanced Access 2007: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mailcbi@jalc.edu.

Nov. 17Advanced Excel 2007: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mailcbi@jalc.edu.

Nov. 18Time & Stress Management: 8:30 a.m.

to 4 p.m., Room F109, John A. LoganCollege Center for Business & Industry,700 College Road, Carterville. Cost is $90.Call 618-985-2828, ext. 8510 or e-mailcbi@jalc.edu.

Starting a Small Business Workshop: 1 to 3 p.m., Cairo Public Library, 1609Washington Ave., Cairo. Free. Call 618-634-3254 or e-mailgabrielef@shawneecc.edu.

Nov. 19Intermediate QuickBooks 2009:

8:30 a.m. to 4 p.m., Room F112, John A.Logan College Center for Business &Industry, 700 College Road, Carterville. Costis $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Nov. 22Beginning Excel 2003: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 College Road, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mailcbi@jalc.edu.

Nov. 23Advanced Access 2003: 8:30 a.m. to

4 p.m., Room F112, John A. Logan CollegeCenter for Business & Industry, 700 CollegeRoad, Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.

Intermediate Publisher 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-mailcbi@jalc.edu.

Nov. 30Visio 2007: 8:30 a.m. to 4 p.m., Room

F112, John A. Logan College Center forBusiness & Industry, 700 College Road,Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail cbi@jalc.edu.