SBJ - June 2013

JUNE 2013

InsideJ U N E 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 n 618-351-5038

Editor: Gary Metro n 618-351-5033

Advertising: Mark Dynis n 618-351-5815

Online: JC Dart n 618-529-5454, ext. 5183

Design & Layout: Rhonda May n 618-529-5454, ext. 5118

largest city that they are entering “a city so nice they had to name ittwice.” It’s hard to argue about it among visitors to New York, N.Y. Thereis no place like the city that neversleeps, and columnist Cavanaugh Gray recommends preparing for anadventure, enjoying the ride and appreciating the many peoples of thebig city.

Page 12

ACHIEVEMENTS Who’s in the news: Find out who hasbeen hired, who has been promoted orwho has received an award for effortsin business. Make sure you check outour newest Faces in the News collection of business portraits andlearn more of the achievements andhonors in regional business. If you know of a business person who deserves special recognition for advanced training, a unique honor or a business expansion,please let us know at [email protected].

Page 14-16

ON THE COVER Chef Bill Connors puts a carton of plums in his bag at the Carbondale Farmers Market on Saturday, July 21, 2012. THE SOUTHERN FILE PHOTO.

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

Casey Communications, Inc ................ 6

John A. Logan College .......................... 5

Pepsi MidAmerica ........................ 16, 18

SIU Credit Union ................................ 13

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

Southern Illinois University.................... 8

State Farm Insurance ........................ 16

Directory of Advertisers

MONEY MATTERS Finding value: Fundamental analystslook beyond the price of a stock and drill deeper into the details tolearn the future prospects of a company. It’s something others canlearn, too, by paying close attention to a company’s income statement and balance sheet, which contain a wealth of information for investors.It’s useful to look not just at the data itself but at the ratios of certain statistics to measure a company’s financial condition.

Page 6

INVESTMENTS No one best strategy: Your retirement plan should be created and periodically revised with an understanding of the unique circumstances of your life and yourunique financial objectives. Just asthere is no routine retirement, thereare no rote financial moves thatshould be made before or during this phase of life, and no universaltruths about the retirement experience.

Page 9

ENTREPRENUER’S MAILBAG Experience the Big Apple: Jet pilotssometimes tell visitors to the nation’s

Find more business newsat www.sbj.biz.

JUNE 2013 SOUTHERN BUSINESS JOURNAL 3

Cover StoryBetter berries first hint of improved harvest

for growing season

Experts are anticipating a good year forfruit and field crops in Southern Illinoisthis summer and fall.

Nothing says spring like a juicystrawberry, and the berries have come intoseason the past two weeks.

“Strawberries look to be a strong cropthis year,” said Andrew Gunther, specialtycrop sales associate for Southern FS inCobden. “We should have berries into midJune.”

According to Gunther, the drought inthe fall didn’t hurt the crop because moststrawberries are grown on plastic sheetingand irrigated. Some local growers evendouble crop. After the strawberries arefinished, they plant a variety of peppers.

Strawberries aren’t the only fruit cropthat should be plentiful. Guntherestimates that the dozens of varieties ofpeaches and apples grown in SouthernIllinois are on target for a good yield,despite last fall’s drought.

“The peach and apple blossoms set inthe fall,” Gunther said. “So you don’t reallyknow until now what will happen becauseof drought.”

The spring weather also helped.“Everything bloomed late when the

threat of frost was over,” he said.Those fresh strawberries and other

locally grown produce are now available atlocal farmers’ markets.

“The farmers’ markets are in full swingwith a full range of produce,” Gunthersaid. “I encourage you to check them out.”

Wayne Sirles, an owner of RendlemanOrchards in Alto Pass, is also optimisticabout the upcoming peach and applecrops.

“So far, it looks good,” Sirles said. “Weshould have a pretty good peach crop.”

Last year, the peach crop came in early.But, this year, with the late spring and coolweather, the crop is running about a weeklater.

According to Sirles, the first peaches

BY DEB SAUERHAGESBJ CORRESPONDENT

THE SOUTHERN FILE PHOTOChef Bill Connors (above) puts a carton of plums in his bag at the Carbondale Farmers Market. Fresh strawberries (left) grow at Miller Farms justoutside Campbell Hill.

Find more business news at www.sbj.biz.

SEE COVER / PAGE 4

JUNE 2013SOUTHERN BUSINESS JOURNAL4

Cover Story

that will be ready are the Flamin’ Fury variety.“It’s an early season red peach and is good for

eating fresh,” he said. “Red Havens are next, whichare good for cooking and eating fresh.”

Rendleman Orchards has planted a variety ofpeaches, including early and late varieties, so theseason is spread out.

“We will have peaches until Labor Day,” Sirlessaid. “We have over a dozen varieties which comein during different time periods.”

Sirles said that Rendleman’s apple crop is alsocoming along nicely. He anticipates the Galavarieties and early Golden Delicious, two of the 12 varieties planted, will be ready by the end of

THE SOUTHERN FILE PHOTOFarmer Glenn Twenhafel drives a combine (above) through a field of soybeans as he harvests his crop on Oct. 12 in Jacob. The pickup reel (left) pulls soybean plants into the auger on Twenhafel’s combine.

FROM PAGE 3

SEE COVER / PAGE 17

Fundamentalanalysis looks atdata about anindividual companyand its operations.The efficientmarket hypothesisthat underliesmodern portfoliotheory states thatstock prices

automatically reflect all availableinformation about a stock, including itsfundamental data. However,fundamental analysts believe they maybe able to gain an edge over otherinvestors by sifting through facts andfigures to try to assess the company’s

prospects for the future, based on itspast and current performance.

A company’s income statement andbalance sheet contains a wealth ofinformation for investors. To make thatdata more meaningful, however, it’suseful to look not just at the data itselfbut at the ratios of certain statistics toothers. Ratios provide a quick way tomeasure a company’s financialcondition. They also are used tocompare a firm’s performance withothers, though what is consideredacceptable in one industry may be verydifferent in another. Financial statisticsgenerally fall into two categories relatedto profitability and liquidity.

Profitability measuresThere are many ways to measure a

firm’s profitability. These ratiosgenerally compare a company’s returns(earnings) to its sales, assets, equity orshare value. Without profits, a firm hasdifficulty attracting capital and holdingon to current investors.

Earnings per share (EPS)This figure represents the number of

dollars earned on behalf of eachoutstanding share of common stock (notthe earnings actually distributed toshareholders). It’s considered animportant indicator of corporate successand is watched closely by investors. EPSis calculated by dividing the totalearnings available for commonstockholders by the number of shares ofcommon stock outstanding.

Price earnings (P/E) ratioThe P/E ratio represents the amount

investors are willing to pay for eachdollar of the firm’s earnings. It indicatesthe degree of confidence investors havein a firm’s future performance. It iscalculated by dividing the market priceper share of common stock by theearnings per share. Like EPS, the P/Eratio is very important to potentialinvestors because it’s considered anindicator of how expensive or cheap astock is. The stocks of faster-growingcompanies tend to have higher P/E ratiosand are often more volatile.

Net profit marginThis is the percentage of each sales

dollar remaining after all expenses,including interest and taxes, have beendeducted. The net profit margin equalsnet profits after taxes divided by totalannual sales.

Return on equity (ROE)The ROE measures the return earned

on the owners’ investment in the firm.It’s calculated by dividing net profitsafter taxes by stockholders’ equity.

Dividend yield per shareThis is the stock’s annual dividend per

share divided by the share price.Assuming the dollar amount of thedividend doesn’t change, the yield goesup when the share price goes down, andvice versa. Therefore, a high yield canmean that the stock is a good source ofincome, or that the share price is down.

Price/book ratioThis compares a stock’s price to its

book value per share. Because it suggestswhat the company would be worthbased on the value of its assets, it’s oftenused as a measure of whether thecompany is fairly valued relative to itspeers.

Liquidity measuresThe liquidity of a business is measured

by its ability to satisfy its short-termobligations as they become due. If acompany can’t pay its bills, it’s introuble.

Current ratioThis measures a company’s ability to

pay current liabilities. It equals currentassets divided by current liabilities. Thecurrent ratio should be neither too low(an indication of financial weakness andpotential inability to pay bills) nor toohigh (an indication that the company isnot making the best use of its currentfunds). A current ratio of 2:1 is oftencited as acceptable. This means thatthere are two dollars of current assets forevery dollar of current liabilities.

Quick ratioThis ratio is also called the acid-test

ratio. It equals current assets minusinventory, divided by current liabilities.Sometimes it can take several monthsfor inventory to be sold and converted


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Money MattersGetting acquainted with fundamental analysis

Tison

BY MICHAEL P. TISONSBJ CONTRIBUTOR A company’s income statement

and balance sheet contains awealth of information for investors.

SEE MONEY MATTERS / PAGE 16


Elder Law

Some of us mayhave forgotten thereason we have aholiday on the lastMonday in May. It’snot so we can have athree-day weekendor an excuse tobarbeque or shopfor that thing wehave been wanting,

but waited until we could take advantageof it being on sale during the holidayweekend.

It is to honor those who have giventheir lives to preserve our ability tofreely enjoy those activities.

Soon after the Civil War ended in1865, a number of local memorials,including many in the south, wereconducted to decorate the graves of thefallen. According to John A. LoganMuseum in Murphysboro, the impetusfor a local memorial began out of agenuine human need to honor our dead:

On April 16, 1866, Civil War veteranssitting on the steps of Crab OrchardChristian Church, just west ofCarbondale, waited for their pastor.Glancing toward Hiller Cemetery, theysaw the widow and children of a fallencomrade placing flowers on hisunmarked grave. After the familydeparted, the men gathered wild flowersand decorated the graves of the otherveterans buried there. They shared theirbelief with veterans in Carbondale that alarger, more organized event to honortheir fallen comrades was needed.Together, they decided to hold acommunity-wide Memorial Dayobservance April 29, 1866, atCarbondale Woodlawn Cemetery.(www.loganmuseum.org/memorial-day)

Memorial Day was officiallyproclaimed on May 5, 1868, by Maj. Gen.John A. Logan, commander-in-chief ofthe Grand Army of the Republic, wholived in Carbondale at the time, to becelebrated on May 30:

“Let no neglect, no ravages of time,testify to the present or to the cominggenerations that we have forgotten as a

people the cost of a free and undividedrepublic.” General Order No. 11

During this year’s Memorial Dayweekend, we hope you gave at least amoment of time to say a short prayer ofthanks or reflect on the sacrifices madefor you. If you did not, today is not toolate.

Also, if you have a loved one who is aveteran or know of a veteran, you can say“thank you” by passing alonginformation about the various benefitprograms available for veterans and theirsurviving spouses. The following are justa few of the benefits available:

Pension and death pensionCommonly called “aid and

attendance,” these twin benefits providecash payments to veterans who servedduring a period of war or to their singlesurviving spouses. Pension helps coverthe cost of home care, assisted living andnursing home services. Pension is alsoavailable to veterans or survivingspouses with very low income, thosewho do not have long-term care costs.Cash income payments from Pensionrange from about $700 a month to alittle more than $2,000 a month,depending on the type of claim and themedical and care needs involved. Mostpeople don’t even know of the existenceof these benefits. VA does not advertiseit and, thus, many eligible people neverapply.

Veterans independence programThe VA and Illinois Department on

Aging worked together to establish aVeterans Directed Home andCommunity Based Services Programcalled VIP. The goal of the program is tohelp veterans, including those less than60 years of age, who are at risk of beingplaced in nursing homes. VeteransIndependence Program will providefinancial assistance so the veteran mayavoid institutionalization and continueto live in his or her home andcommunity. The financial assistance canrange from $1,600 to as much as $3,160,and can be used, for example, to hire afamily member or friend to help withpersonal care or assistance around the

home, or just about anything else thatcan help the veteran stay out of a nursinghome. Unfortunately, very few Illinoisveterans have heard about VIP.

Compensation and DICCompensation is available for veterans

who have a service-connected disabilitythat happened as a result of active dutyor injury from VA health care.Dependent Indemnity Compensation isavailable to a spouse of a service-connected disabled veteran. Mostveterans know about these twoprograms.

Agent Orange compensationEvery veteran who was stationed in

Vietnam and has developed presumptivehealth conditions, such as certain formsof cancer, Type 2 diabetes, ischemicheart disease (lack of proper blood flowto the heart) and Parkinson’s disease,can make a claim for disabilitycompensation. Many veterans don’tknow of the existence of Agent Orangeclaims or the fact that they might beeligible for service-connected disability.

Health care benefitsNot all veterans can receive care in the

system. Eligibility requires either aservice-connected disability, receipt ofpension, special service recognition

such as prisoner of war or Purple Heartor low income and low assets. Servicesare free and medications are $8 permonth per medication, regardless ofwhat it is. There are no other out-of-pocket costs. Help can also be providedwith disability-required homerenovation grants of $2,000 to $6,800,orthotics, prosthetics and, in certaincases, hearing aids.

Other benefitsMoney also is available for burial costs

for veterans who were service disabled,receiving Pension or died under VA care.If the death was a result of service-connected disability, $2,000 is available.If the death was non-service related,and the veteran was receiving Pension orcompensation or entitled to either ofthese, up to $700 is available for plotallowance and burial and funeralexpenses. All veterans also receive freeburial in state and federal VA cemeteries.Under certain conditions, spouses andother family members can receive freeburial in state and federal VA cemeteries.All veterans are eligible for a gravemarker (or equivalent monetaryallowance), a flag for the gravesidehonor guard and a letter from thepresident of the United States.

Benefits for Illinois veteransIn addition, the state of Illinois

provides a number of different benefitsto eligible veterans and theirdependents, ranging from license platesto veterans nursing homes. For moreinformation on benefits for Illinoisveterans, call 800-336-4529 or go tohttp://wwwmilitary.com/benefits/veteran-state-benefits/Illinois-state-veterans-benefits.html;http://www2.illinois.gov/veterans/Pages/default.aspx.

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

THE SOUTHERN FILE PHOTOBrig. Gen. John Miller of the Illinois ArmyNational Guard speaks during a Memorial Dayceremony at the Mound City NationalCemetery.

Benefits available for senior veterans

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Investments

There is notypical retirement.Many baby boomerswant one andbelieve they willhave one, and theirfutures may indeedunfold as planned.For others, the storywill be different.Just as there is no

routine retirement, there are no rotefinancial moves that should be madebefore or during this phase of life, andno universal truths about the retirementexperience.

Here are some commonly heldassumptions — suppositions that may ormay not prove true for you, dependingon your financial and lifestylecircumstances.l You should take Social Security as

late as possible. Generally speaking, thisis a smart move. If you were born in theyears from 1943 to 1954, your monthlybenefit will be 25 percent smaller if youclaim Social Security at 62 instead ofyour full retirement age of 66. If youwait until 70 to take Social Security,your monthly benefit will be 32 percentlarger than if you had taken it at 66.

So, why would anyone in the early 60sapply for Social Security benefits? Thefact is, some seniors really need theincome now. Some have health issues orthe prospect of hereditary diseasesinfluencing their choice. Single retireesdon’t have a second, spousal income tocount on, and that is another factor inthe decision. For most people, waitinglonger implies a larger lifetime payoutfrom America’s retirement trust. Noteveryone can bank on longevity orrelative affluence, however.l You’ll probably live 15 to 20 years

after you retire. You may live muchlonger, especially if you are a woman.According to the Census Bureau, thepopulation of Americans 100 or older

grew 65.8 percent between 1980 and2010, and 82.8 percent of centenarianswere women in 2010. The real eye-opener is that in 2010, slightly morethan a third of America’s centenarianslived alone in their own homes. Hadtheir retirement expenses lessened withtime? Doubtful, to say the least.l You should step back from growth

investing as you get older. As many

investors age, they shift portfolio assetsinto investment vehicles that offer lessrisk than stocks and stock funds. This isa well-regarded, long-established tenetof asset allocation. Does it apply foreveryone? No. Some retirees may needto invest for growth well into their 60sor 70s because their retirement savingsare meager. There are retirementplanners who actually favor aggressivegrowth investing for life, arguing thatthe rewards outweigh the risks at anyage.l The way most people invest is the

way you should invest. Again, just asthere is no typical retirement, there is notypical asset allocation strategy orinvestment that works for everyone.Your time horizon, your risk toleranceand your current retirement nest eggrepresent just three of the variables toconsider when you evaluate whether youshould or should not enter into aparticular investment.lGoing Roth is a no-brainer. Not

necessarily. If you are mulling a RothIRA or Roth 401(k) conversion, the bigquestion is whether the tax savings inthe end will be worth the tax you willpay on the conversion today. Theyounger you are, roughly speaking, thegreater the possibility the answer will be“yes,” as your highest-earning years arelikely in the future. If you are older andat or near your peak earning potential,the conversion may not be worth it atall.l A lump sum payout represents a

good deal. Some corporations areoffering current and/or former workers achoice of receiving pension plan assetsin a lump sum payout instead of periodicpayments. They aren’t doing this out ofgenerosity; they are doing it becauseactuaries have advised them to lessentheir retirement obligations to loyalemployees. For many pension planparticipants, electing not to take thelump sum and sticking with the lifelong

periodic payments may make moresense in the long run. The question is,can the retiree invest the lump sum insuch a way that might produce moremoney over the long run, or not? Thelump sum payout does offer liquidityand flexibility that the periodicpayments don’t, but there are few thingsas economically reassuring aspredictable, recurring retirementincome. Longevity is another factor inthis decision.l Living it up in your 60s won’t hurt

you in your 80s. Some couples withdrawmuch more than they should from theirsavings in the early years of retirement.After a few years, they notice adrawdown happening; their portfolioisn’t returning enough to replenish theirretirement nest egg, and so the fear ofoutliving their money grows. This is agood argument for living beneath yourmeans, while still carefully planning andbudgeting some epic adventures alongthe way.

Your retirement plan should becreated and periodically revised with anunderstanding of the uniquecircumstances of your life and yourunique financial objectives. There is nosuch thing as generic retirementplanning, and that is because none of uswill have generic retirements.

**Traditional IRA account owners shouldconsider the tax ramifications, age andincome restrictions to executing aconversion from a traditional IRA to a RothIRA. The converted amount is generallysubject to income taxation.

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.

McClatchey

BY SCOTT MCCLATCHEYSBJ CONTRIBUTOR


ART SERVICESJust as there is no routine retirement, thereare no rote financial moves that should bemade before or during this phase of life, andno universal truths about the retirementexperience.

Reassessing retirement assumptions: There are no rote financial moves

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

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102

103

104

105

78

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AS O N D J F MO N D J

98

94

88

86

84

82

81

80

76

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74

72

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64F M A M J J A

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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 Apr 1396.6

CFMMI Apr 1395.9

SOURCE: FEDERAL RESERVE BANK OF CHICAGO

Williamson County RegionalAirport passengers

815 756 p 7.8%

3,154 3,023 p 4.3%

Apr 13 Apr 12 Change

2012 Change

YTD TOTALS

MONTHLY TOTALS

Anna 30.7 114.1 119.1 120.9 114.5 113.3 p 0.7%Benton 21.2 83.2 86.4 69.5 69.4 71.4 p 16.5%Carbondale 156.0 552.4 593.5 598.0 565.5 587.7 q 6.0%Carterville 9.9 38.9 42.0 42.2 39.9 40.1 q 3.2%Chester 11.0 53.2 55.7 55.3 52.9 51.5 p 3.3%Du Quoin 30.7 114.4 113.5 77.1 100.8 91.9 p 24.5%Harrisburg 34.4 205.1 214.0 195.0 191.9 179.3 p 14.4%Herrin 41.9 152.5 154.0 153.4 147.2 135.9 p 12.2%Jonesboro 11.9 11.8 11.4 11.8 12.5 12.4 q 4.8%Marion 184.8 620.1 686.9 683.1 676.0 673.4 q 7.9%Metropolis 19.6 77.8 84.4 82.0 77.1 75.9 p 2.5%Mount Vernon 131.2 494.9 533.6 507.0 476.7 482.8 p 2.5%Murphysboro 33.6 127.5 135.2 130.6 129.1 117.1 p 8.9%Nashville 35.8 116.3 110.3 96.6 107.9 101.8 p 14.2%Pinckneyville 9.5 38.6 42.3 38.5 37.2 39.0 q 1.0%Red Bud 19.7 78.4 74.7 75.2 70.1 77.7 p 0.9%Sparta 31.6 120.2 128.2 128.5 126.4 130.5 q 7.9%Vienna 9.9 38.4 40.1 39.9 37.1 40.5 q 5.2%West City 22.5 87.1 88.3 87.8 91.9 89.6 q 2.8%West Frankfort 31.2 70.8 122.5 112.4 111.4 111.2 q 36.3%REGION $876.7 $3,192.7 $3,436.1 $3,304.8 $3,235.5 $3,223.0 p 0.9%ILLINOIS $39,765.8 $152,406.7 $154,650.6 $147,232.0 $139,593.2 $157,071.1 q 14.2%

YTD March 2013City 2012 2011 2010 2009 2008% change

08-11

Retail sales for Southern Illinois cities

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

Labor force Jobless Apr 2013 Mar 2012 Apr 2012 Change month Change year

Unemployment rates for Southern Illinois counties, state and nation

Alexander 2,822 249 8.8% 10.5% 10.4% q 1.7 q 1.6Franklin 17,114 1,743 10.2% 12.4% 9.6% q 2.2 p 0.6Gallatin 2,483 217 8.7% 10.3% 7.6% q 1.6 p 1.1Hamilton 4,127 288 7.0% 8.8% 6.8% q 1.8 p 0.2Hardin 1,707 160 9.4% 11.7% 8.8% q 2.3 p 0.6Jackson 31,640 1,935 6.1% 7.6% 6.4% q 1.5 q 0.3Jefferson 19,487 1,397 7.2% 8.6% 7.8% q 1.4 q 0.6Johnson 5,183 465 9.0% 11.4% 8.5% q 2.4 p 0.5Massac 7,228 472 6.5% 8.9% 7.4% q 2.4 q 0.9Perry 8,864 861 9.7% 11.7% 9.6% q 2.0 p 0.1Pope 1,768 142 8.0% 9.6% 7.8% q 1.6 p 0.2Pulaski 2,652 235 8.9% 10.7% 9.3% q 1.8 q 0.4Randolph 14,696 1,028 7.0% 8.9% 7.7% q 1.9 q 0.7Saline 12,931 1,102 8.5% 10.0% 7.8% q 1.5 p 0.7Union 7,727 748 9.7% 12.1% 10.1% q 2.4 q 0.4Washington 8,599 487 5.7% 7.0% 6.4% q 1.3 q 0.7White 7,200 470 6.5% 8.0% 6.7% q 1.5 q 0.2Williamson 34,416 2,484 7.2% 9.0% 7.5% q 1.8 q 0.3 .,REGION 190,664 14,483 7.6% 9.4% 8.1% q 1.8 q 0.5ILLINOIS 6,511,500 566,731 8.7% 9.4% 8.6% q 0.7 p 0.1U.S. 154,739,000 11,014,000 7.1% 7.6% 7.7% q 0.5 q 0.6SOURCE: ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY, U.S. DEPARTMENT OF LABOR. FIGURES ARE NOT SEASONALLY ADJUSTED. 10,170 9,682 p 5.0%

2011ANNUAL TOTALS

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

Prices at the pumpAverage price per gallon of regular, unleaded gasas of May 28 and April 22, 2013.

686Marion

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 May 2013.

688U. S.

694State

693Region

SOURCE: EXPERIAN

SOURCE: AAA

Metro East $3.79 $3.71 $3.68Springfield $3.87 $3.56 $3.52Illinois $4.00 $3.78 $3.84U.S. $3.63 $3.52 $3.64

May 13 Apr 13 May 12

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226

228

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214

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216

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218

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220

D J F M AA’13

M

224

230

232

234

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 AverageApr 13 232.5

Midwest UrbanApr 13 221.9

SOURCE: U.S. DEPARTMENT OF LABOR

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100101102103104105106107108

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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.

Apr 13 105.8

Home sales Total units sold, including condominiums

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Alexander 3 2 p 50.0% 16 19 q 15.8% $74,500 $32,000 p 132.8%Franklin 51 67 q 23.9% 283 259 p 9.3% $51,500 $37,000 p 39.2%Gallatin 2 2 0.0% 12 8 p 50.0% $43,000 $79,375 q 45.8%Hamilton 1 2 q 50.0% 6 8 q 25.0% $20,000 $77,500 q 74.2%Hardin 2 3 q 33.3% 14 8 p 75.0% $117,500 $18,000 p 552.8%Jackson 54 55 q 1.8% 325 358 q 10.2% $94,750 $90,000 p 5.3%Jefferson 57 57 0.0% 258 264 q 2.3% $67,500 $75,000 q 10.0%Johnson 17 10 p 70.0% 66 78 q 15.4% $79,000 $78,500 p 0.6%Massac 24 25 q 4.0% 82 91 q 9.9% $42,250 $55,000 q 23.2%Perry 22 20 p 10.0% 86 116 q 25.9% $58,000 $53,950 p 7.5%Pope 5 1 p 400.0% 10 8 q 20.0% $55,000 $279,000 q 80.3%Pulaski 2 2 0.0% 11 6 p 83.3% $19,800 $19,000 p 4.2%Randolph 34 26 p 30.8% 117 131 q 10.7% $60,500 $67,000 q 9.7%Saline 18 34 q 47.1% 148 122 p 21.3 % $41,250 $62,000 q 33.5%Union 17 17 0.0% 89 84 p 6.0% $72,000 $68,200 p 5.6%Williamson 55 40 p 37.5% 539 590 q 8.6% $100,000 $115,000 q 13.0 %ILLINOIS 10,992 9,679 p 13.6% 103,294 103,455 q 0.2% $135,000 $130,250 p 3.6%

Q1 13 Q1 12 Change 2011 2010 Change Q1 13 Q1 12 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 15 10 p 50.0% 142 126 p 12.7%Franklin 107 108 q 0.9% 1,174 965 p 21.7%Gallatin 21 26 q 19.2% 265 222 p 19.4%Hamilton 31 25 p 24.0% 279 236 p 20.8%Hardin 4 7 q 42.9% 96 97 q 1.0%Jackson 131 140 q 6.4% 1,482 1,320 p 12.3%Jefferson 93 80 p 16.3% 1,025 848 p 20.9%Johnson 35 32 p 9.4% 392 327 p 19.9%Massac 37 14 p 164.3% 297 269 p 10.4%Perry 70 45 p 55.6% 606 558 p 8.6%Pope 8 7 p 14.3% 96 73 p 31.5%Pulaski 17 6 p 183.3% 159 129 p 23.2%Randolph 90 108 q 16.7% 975 844 p 15.5%Saline 89 120 q 25.8% 1,022 793 p 28.9%Union 48 47 p 2.1% 502 486 p 3.3%Washington 54 38 p 42.1% 583 446 p 30.7%White 73 46 p 58.7% 625 571 p 9.5%Williamson 187 193 q 3.1% 2,060 1,796 p 14.7%REGION 1,110 1,052 p 5.5% 11,780 10,097 p 16.7%

Mar 13 Mar 12 Change 2011 2010 Change

$569,269 $646,705 q 12.0%

$1,486,953 $1,655,508 q 10.2%

Mar 13 Mar 12 Change

2012 Change

YTD TOTALS

MONTHLY TOTALS

$7,732,810 $7,728,261 q <0.01%

2011ANNUAL TOTALS


Entrepreneur’s MailbagContemplating life and business in a New York minute

This morning, Iexpected to beawakened by thesymphony ofjackhammers andconstructionworkers screamingthings that wouldmake a sailor looklike a nurseryschool teacher.

Imagine my surprise when I wasawakened by the rumbling coming from,of all places, my stomach. So, what’s aguy to do when he’s starving at 5 a.m. inthe city that never sleeps?

I grabbed a magazine and begantrolling for food and ultimatelystumbled upon a little storefront café,where I found the best breakfast I haveever eaten out of a Styrofoam container.As I gratefully ate my food and watchedthe city come to life, I took theopportunity to reflect on the sights,sounds, people and what I learned frommy most recent trip to New York City.

Life is an adventureThe easy part of traveling is booking a

flight, hotel or car; however, navigatingpublic transportation in a city as large asNew York City can be intimidating. Theeasiest thing to have done would havebeen to secure a shuttle or taxi in orderto get to my destination with the leastamount of hassle, but that’s not mystyle.

Instead, I grabbed my luggage andwhat seemed to be the world’s biggestpublic transportation map, whichseemed to scream, “I am not from here.Please take advantage of me.” I kindlyasked to be pointed in the rightdirection, and away I went successfullynavigating the bus and subway until Ireached my hotel.

In both life and business, it’s easy toget too comfortable or begin to startplaying everything safe. There are timeswhen decisions need to be made and youhave to throw caution to the wind andjust go with it, knowing that everything

is going to be alright, because life is anadventure.

Enjoy the rideYears ago, Nissan Motors had a great

ad campaign which centered on thismystical guy and his dog. At the end ofeach commercial, he implored theviewers to simply “enjoy the ride.” Forsome reason, that tagline came to mindwhen I set out to attend a business eventand needed to catch a cab to get to whereI was going.

After being passed by what felt likedozens of cabs, I finally grabbed one andwas on my way.

Factor in the sheer number ofpedestrians, the cabs bumper to bumper,and it doesn’t take long before you beginto hear the humming of irate cabbies.But, not my cab driver. He remainedcool, calm and collected.

So, I finally asked him, “How do youdo it every day, and does it ever get old?”His response, “What are you going to doabout it? I simply tune into my music,and, when days get really rough, I put onclassical music. You’ve got to learn to gowith the flow.”

In life and in business, there are thingsthat we have control over and then thereare things like New York City traffic thatyou have no control over whatsoever.At times, the best that we could possibly hope to do, when difficultsituations arise, is to sit back and enjoy the ride.

You’ve got to love peopleThe cultural diversity of New York is

unlike anything that you have ever seen,and I absolutely love it.

Regardless of what you think aboutNew York, I don’t truly believe that youcan live here unless, deep down, youenjoy living, working and playing withso many wonderfully diverseindividuals.

If I had to pick one thing that has beenprimarily responsible for any smallsuccess that I have had over the years, Iwould have to say that it has been therelationships I have established and adesire to build bridges with individuals

whose lives look totally different frommy own.

I admit that, at times, I am still a littleshocked when I encounter those whorefuse to let themselves findcommonalities with their fellow manbecause of where they are fromgeographically, their generalbackground, or even their ethnicity. It’sa pity because if you can’t connect withpeople who are not like you, you couldnot only be short-changing yourselfpersonally, but also limitingopportunities for your business.

Don’t limit yourselfNot sure where I first heard this quote,

but there is something about it thatresonates with me. “Grant me theunderstanding that someone else’slimitations of me don’t have to be myown.”

After a week of being under theweather, behind on work, the thought ofleaving at 3:30 a.m. in the morning tonavigate airport security and maneuvera city the size of New York was the lastthing that I wanted to do. However, Iknew that if I didn’t make an attempt togo that I would, in some small way, belimiting myself.

When was the last time that youstretched yourself both personally andprofessionally? Have you gotten socomfortable that the thought of doingsomething out of the norm makes youcringe? I am always on the lookout forthose seasons of life when I find myselfgetting too comfortable or possiblylimiting myself.

I often wonder how many individuals,

who are destined to do great things,find ways to self police or limitthemselves before they get a chance totruly soar.

Years ago, my grandfather, MitchellGaddis, gave me advice that I have triedto live my life by. At 13, I grumbled forweeks leading up to a junior high dancearranged by my mom and her friend forher daughter. My grandfather watchedme complain, and, just as I was set toleave for the dance, he pulled me asideand said, “Son, in life there are thingsthat you are not always going to like,that you may not always want to do, butat least at the end of it you will have theexperience.”

Sitting in New York’s LaGuardiaAirport, waiting to board my flight back to Chicago, it dawns on me that thisarticle was never intended to be what it is.

My experiences over the course of theweek helped me reevaluate whether Iwas still seeing life as an adventure,simply enjoying the gift of each day orexisting, and still genuinely showinglove for my fellow man, or was I limitingmyself? Some of the answers are an easyyes, while others may require a bit morethought.

Each month, I enjoy sharing insight onall things small business in hopes that itwill help others get closer to living theirown dreams. It is one of my truepassions. As the title suggests, thisarticle was about finding that delicatebalance between your personal andprofessional life.

The questions I will leave you with arehow much of this article has anything todo with business and how much of it isreally all about life?

CAVANAUGH L. GRAY ([email protected])is director of business development for TheEntrepreneur Café, LLC (877-511-4820). Toread a chapter from his new book, “TheEntrepreneurial Spirit Lives: 25 Tales toHelp Entrepreneurs Start, Grow, andSucceed in Small Business,” log ontowww.ecafellc.com. For more information onhow to start, grow and succeed in smallbusiness, ‘Like’ on Facebook, ‘Follow’ onTwitter @TheECafe or ‘Connect’ onLinkedIn.

Gray

BY CAVANAUGH L. GRAYSBJ CONTRIBUTOR ‘Son, in life there are things that

you are not always going to like,that you may not always want to do,but at least at the end of it you willhave the experience.’

MITCHELL GADDISGRAY’S GRANDFATHER


Achievements

Wallace W. Richelman

Tanner Pierce

Spiller Richey

Bennett Gill

Priebe

Schrock

Roberts

G. Richelman

Find more business news at www.sbj.biz.

Two retire from First State BankPhyllis Wallace and William A.

Richelman have both retired from FirstState Bank of Campbell Hill.

Wallace retired March 29 as vicepresident of loans. Upon her retirement,Gary Buch was promoted to that position.Wallace was in banking for 46 years andjoined First State Bank in 2007.

Richelman retired from First State Bankof Campbell Hill Board of Directors after 42 years of service. Buch was appointed tofill Richelman’s term.

At the annual shareholders meeting, Buchwas elected to a one-year term with thefollowing incumbent members: GaryMiller, Greg Richelman, GaryMisselhorn, Jerry Ohlau and SidneyRathert.

Hospital hosts open house for MRIUnion County Hospital in Anna hosted

a community open house May 13 in themain lobby of the hospital to allow thepublic to view the hospital’s new MRI unit.

The new imaging unit will offer betterquality pictures and increased patientcomfort.

McGrath qualifies to attend conference

Mike McGrath, an Edward Jonesfinancial advisor in Anna, qualified for thefirm’s 2013 Financial Advisor LeadersConference. This conference recognizesadvisors who are among the leaders in thefinancial services firm.

McGrath was one of only 793 financialadvisors who qualified out of the firm’s nearly 12,000 financial advisors. The 2013conference was in May at the firm’sheadquarters in St. Louis.

Priebe, Tanner named to boardStephen Priebe and Tyson Tanner

have been named to the board of directors of First National Bank in Pinckneyville.Herb Chapman also was appointedchairman.

Priebe has been a physician’s assistant at Pinckneyville Community Hospital’s Family Medical Center the last 13 years.Tanner became a partner of thePinckneyville law firm Seibert, Bigham andTanner in 2007.

Chapman has served on the board for 44 years. He replaces Dr. ClarenceCawvey, who recently died.

Pierce named program directorCARBONDALE — Jennifer Pierce, a

graduate of SIU, has been named programdirector of Lourdes Wound Care Center andHyperbaric Medicine in Paducah.

Pierce comes to Lourdes with 19 years ofmanagement experience.

SIU professor emeritus authors book

Albert Melone of Shiloh, professoremeritus in political science at SIU,and Marc Pufong, professor of politicalscience at Valdosta State University, areauthors of the fourth edition of“Researching Constitutional Law,”which was recently released by KendallHunt Publishing.

This text is designed for all law-relatedcourses, such as administrative law,business law, criminal justice, law and society, legal studies and paralegalstudies.

Powless appointed to U of I advisory board

David G. Powless, a tax manager forKemper CPA Group in Marion, has beenappointed to the University of IllinoisAlumni Association Campus AlumniAdvisory Board for a two-year termbeginning July 1.

Powless previously served the AlumniAssociation as president of the SouthernIllinois Illini Club, board member of the CU Alumni Council and board member ofthe Alumni Association.

SIU Medical School publishes magazine

The 20th annual edition of SCOPEliterary magazine has been published by SIU School of Medicine.

Produced each year by SIU medicalstudents, this edition of SCOPE contains 30 short stories, poems, paintings andphotographs submitted by students,faculty, staff, alumni and friends of theschool.

First-place poetry winner was Dr. Michael Pranzatelli, SIU professor ofneurology, for “Catching Up on Zs.”He also won third place in visual arts for his painting, “The Storm Approaching.”

Breck Jones, second-year medicalstudent from Equality, serves as editor-in-chief of SCOPE.

Faces in the news

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 photos to the Southern Business Journal.

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

AchievementsSchrock selected for leadership class

Bonnie Schrock, vice president andchief administrative officer at BaptistHealth Paducah, is one of 59 Kentuckyleaders selected for the 2013 class ofLeadership Kentucky.

Leadership Kentucky, created in 1984 as a non-profit educationalorganization, brings togetherKentuckians with leadership abilities, career accomplishments and volunteer activities to gain insight into complex issues facing thestate.

Spiller joins Southern Illinois Dermatology

Natalie Spiller recently joinedSouthern Illinois Dermatology and hasbegun practicing at the new Spartaoffice.

Founded in 1996 by Dr. Ted G. VanAcker, Southern Illinois Dermatologyoffers comprehensive dermatologicalservices, as well as cosmetic services,at 13 locations: Sparta, Anna, Herrin,Murphysboro, Harrisburg, WestFrankfort, Du Quoin, Centralia, Salem,Chester, Vandalia, McLeansboro andFlora.

Ameren earns spot on ‘Top 50’ list

Ameren Corporation has beenrecognized as a “Top 50 Employer” byWoman Engineer Magazine forproviding a positive workingenvironment for women engineers.

Ameren, ranked No. 30 by themagazine, joins several prominentmulti-national companies, includingGoogle, General Motors and Microsoft,on the annual list.

Two honored for salesachievement

Peggy R. Richey of Pittsburg and Larry D. Roberts of Marion, bothrepresentatives of Modern Woodmen of America, have been named to Modern Woodmen’s President’s Club.

This distinction recognizes their high achievement in life insurance sales among the organization’srepresentatives nationwide.

Leadership roles filled at SIU School of Medicine

Wendy Cox-Largent and Dr. Jerry E. Kruse have each filledleadership roles with SIU School ofMedicine.

Cox-Largent has been namedassociate provost for finance andadministration at SIU School of Medicine, and she will serve as the school’s chief operating officer.

The former associate provost,Pam Speer, will remain with the school through June 30 to assist in the transition. After that, she will serve as a part-time senior advisor onspecial initiatives for SIU HealthCare.

Kruse has been named executiveassociate dean and chief executiveofficer of SIU HealthCare of SIU Schoolof Medicine. He will be the authority forall clinical and clinically relatedacademic issues and planning.

Locally Important ProduceStore opens

Locally Important Produce Storerecently opened in downtownCarbondale at 201 W. Walnut St., acrossfrom Carbondale Civic Center.

All local products are organic,grown chemical-free with no pesticidesor herbicides. Some imported goods are being stocked to suit shoppers’needs as crops in the area continue togrow.

The store is operated by local farmerOrlan Mays.

Hours of operation are 9 a.m. to 7 p.m.Tuesday through Sunday. For moreinformation, call 618-351-1912.

Baptist Health recognized for orthopedic care

WomenCertified has recognizedBaptist Health Paducah as being in the nation’s top 10 percent fororthopedic care.

For comprehensive orthopedicservices with good outcomes,including arthroscopy, jointreplacement, spine surgery, MRI and physical therapy, just 363 hospitalsout of 4,600 earned the Women’sChoice Award for “Best Hospitals for Patient Experience in Orthopedics.”

Bennett named generalmanager of SIEC

Chris L. Bennett has been namedSouthern Illinois Electric Cooperative’snext executive vice president/generalmanager. He will assume theresponsibilities of this position effective July 12.

Bennett has worked in the electriccooperative business since 1975 andspecifically with SIEC since 1992 asdirector of administration and finance.He succeeds Larry Lovell, who hasserved as SIEC’s executive vicepresident/general manager since 1990.

Gill elected to Board of Governors of ISBA

Carey C. Gill, an associate attorneywith the Carbondale law firm of Barrett,Twomey, Broom, Hughes & Hoke, LLP,has been elected to the Board ofGovernors of the Illinois State BarAssociation.

Gill, who concentrates in estateplanning, probate litigation, eminentdomain, civil litigation and federal tax, isa member of the ISBA’s Assembly and itsFinance Committee, and the ISBAStanding Committee on ContinuingLegal Education.

RSP receives Quest for Excellence Award

Trane Residential Systems recognizedRSP Heating & Cooling May 14 with the Quest for Excellence Award for theyear 2012.

Through a customer satisfactionsurvey, customers rate the Trane dealeron quality of installation and service. Toreceive this honor, heating and coolingcompanies must meet stringent criteriadetermined by the customer — notTrane. RSP’s general office andshowroom is located at 6951 E. GrandRoad in Carterville.

Bracy Insurance to offer West Bend products

Bracy Insurance Agency has partneredwith West Bend Mutual InsuranceCompany to offer property casualtyinsurance products, including a broadhome and auto package policy, a fullrange of commercial products andservices, and insurance for specialtylines.

Founded in 1927, Bracy Insurance islocated in Herrin. Deborra Bracy isagency owner.

Microsoft honors CDS Office Technologies

CDS Office Technologies has achieveda gold OEM competency and silver Mid-Market Solution Provider/SmallBusiness Specialist, Devices andDeployment, Hosting, Identity andAccess and Server Platformcompetencies in the Microsoft PartnerNetwork.

CDS Office Technologies is a locallyowned value-added reseller servingIllinois and Missouri for more that 40 years.

Woodard Wellness moves to new site

Woodard Wellness Group has movedto 1245 E. Walnut St., behind UniversityMall.

The business will continue to offerchiropractic care, sports medicine andrehabilitation, as well as therapeuticmassage. For more information, call618-529-4545.

Richelman promoted to bank president

Greg Richelman has been promotedto president of First State Bank ofCampbell Hill.

Richelman has been with First StateBank for more than 22 years.

He started as a part-time teller whilein high school. Richelman joined thebank full time in 1991 as a loan officer.He then became vice president andexecutive vice president before beingnamed president this year.

He has served on the board ofdirectors since 2006.


Faces in the newsHave you been promoted?

Send a photo.Has a colleague at work completed an intensive continuing education

program? Send a photo.Others in the business community

will want to know it, so please considerpassing on your employment news

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

information to [email protected].

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Business Fine PrintBankruptciesChapter 7Brian D. Evans, 230 Colfax St., Tunnel HillRandy R. Swanson, 705 N. 12th St., Mount

VernonCharles A. Richardson, 4241 Sielbeck Road,

MetropolisHarvey I. Loven Jr., P.O. Box 806,

MetropolisKody R. Lyons, 537 Joppa Road, MetropolisTammy L. Vaughn, 404 S. 20th St., Mount

VernonJeffery A. Banes and Denise L. Banes, 12974

N. Two Mile Creek, Mount VernonDeanna J. Scott, P.O. Box 359, CartervilleMelissa Anne Derringer, 105 Pepper Drive,

CoultervilleDanny R. Martin and Julye E. Martin, 95

Shadow Valley Lane, BuncombeDavid A. Forthman nad Susan L. Forthman,

P.O. Box 100, BrookportMaria Ninette Delaney, 215 Casey Ave.,

Mount VernonCedric Alan McDonnough and Jacqualine Sue

McDonnough, 201 S. Brown Ave., PercyRonald E. Draper and Jan Draper, 1519 Pine

St., MurphysboroSteven G. Sanders and Karen V. Sanders,

113 Walnut St., ZeiglerBryan M. McGee, 2204 E. Elm St., West

FrankfortMichael A. Green, 15644 N. Sunfish Lane,

WoodlawnLarry W. Massey and Roberta A. Massey, 818

High St., EldoradoKaren L. Arbour, 3682 Kendale Acres Road,

TamaroaKim D. Brandt, 1412 W. Stotlar St., HerrinDaniel D. Dale, 1707½ N. State St.,

MarionJeffrey S. Bauman, 2805 college St., Mount

VernonRober t E. Orr, 1009 W. Vine St., Apt. A,

ViennaBryan W. Turner and Margeret C. Turner,

24563 Greg Hollow Road, ThebesBilly I. Unthank, 1800 Glenwood Ave.,

EldoradoSherry Lynn Trovillion, 2571 S. Illinois Ave.,

Lot 114, Carbondale, and Brandon H.Trovillion, 410 N. University, Carbondale

Alisha Brooke Rider, 14355 Wilburn Road,West Frankfort

Daniel J. Kinsey and Jordan L. Kinsey, 1800State St., Eldorado

Robert E. Jent and Donnetta L. Jent, 14552Number 9 Blacktop, West Frankfort

Amy M. Stefanelli, P.O. Box 21, De SotoJames Aaron Sexton and Melinda Jean

Sexton, 203 ½ NW. Four th St.,Fairfield

Dean E. Taborn Sr. and Debra J. Taborn, 590Deer Ridge Road, Goreville

Mary Ann Melby, 321 W. Elm St., Apt. 7,Okawville

Don H. Johnson and Stephanie J. Johnson,201 W. Summit St., Fairfield

Charles W. Clark, 120 Buck Lane, OlmstedBetty A. Moore, 413 S. 22nd St., HerrinTerry L. Pedigo and Patricia A. Pedigo, 602 E.

Main St., ChristopherJoshua T. Gossett, 16518 Old Towne Drive,

SesserLaDonna Jean Bachmann, 458 E. Industrial

Park Road, MurphysboroPaul W. Bean, 301 N. 14th St. No. 207,

HerrinWilliam R. Baker, 1134 W. Webster St.,

BentonChristina Dunning, 1105 W. Monroe St.,

HerrinJacob E. Fraedrich, 112 W. Poplar St., CobdenTammy S. Bailey, 1890 County Road 605

North, FairfieldJoseph H. Lyerla, 1580 Morgan School Road,

JonesboroEdward R. Gordon Sr. and Gladys M. Gordon,

P.O. Box 55, SpartaThomas Wayne Spraggs, 7175 Buncombe

Road, BuncombeKimberly Collins, 321 Fairway Vista,

MurphysboroJames T. Dodson and Jane M. Dodson, 15755

Nixon Road, NashvilleRoyce E. Heinze, 2121 Teske Road, MarionSean D. Jones, 1229 Sanpat Lane, Apt. A,

CarbondaleWilliam P. Fix, 907 W. Pecan St., CarbondaleAdriel Nathan Wright, 2515 Herber t St.,

Mount VernonJanice M. Summers, 2604 N. Park, HerrinSamuel Nathan Reynolds, 1607 W. Copeland

St., MarionJasmine C. Alexander, 12641 Willow Pond

Lane, Johnston CityDonald R. Henson, P.O. Box 52, BrookportCharles W. Saunders and Michele C.

Saunders, P.O. Box 143, Johnston CityJulianne M. Halverson, 191 Aspen Drive,

Mount VernonJane E. Morgan, 12415 Sterling St., BentonRobert E. Carroll and Janice L. Carroll, 1516

Casey Ave., Mount VernonChristina Alvey, 16178 Highway 3, AvaKenneth Leonard Dixon Sr. and Carrie Jo

Dixon, 2830 Kimber Road, DongolaDonald Ellis Oxford and Debra Lynn Oxford,

313 N. Vine St., Du QuoinMontrail Elijah Dwayne Moultrie, 307

Birchlane, CarbondaleKevin Lynn McDermott, P.O. Box 131,

PinckneyvilleTonya Ann Caplinger, 8631 Hickory Ridge

Road, MurphysboroRoy B. Baird Sr. and Tina M. Baird, P.O. Box

434, 204 S. Second St., ElkvillePaige Ellen Leonard, 16653 Pittsburg Road,

Pittsburg Cooper J. Ward and Tami L. Ward, 521 N.

13th St., HerrinMelissa K. Meyers, 307 S. Du Quoin St.,

BentonKevin L. Anderson and Robin K. Anderson,

922 N. Pear St., Mount CarmelEmilia Y. Hafer tepe, 1190 Skyline Drive,

CobdenCurtiss J. Boyd and Farrah L. Boyd, 777 U.S.

Highway 54, Norris CityLeonard P. Lucas and Sheila A. Lucas, 401 N.

Poplar St., CarbondaleTammy M. Warren, 500 N. Highland Ave.,

FairfieldBilly W. Ellor, P.O. Box 14, DongolaLarry Wayne Duffell Jr. and Autumn Brooke

Duffell, 26495 Bean Ridge Road, ThebesFarrah L. Hudson, 513 Mar teeny, Mount

Vernon, and James M. Hudson, 729 E.Calumet, Centralia

Chapter 13Douglas Lee Wedeking Jr., 510 N. Gordon,

PinckneyvilleAdam Holman and Emerena Holman, 1115

St. Andrew Circle, RantoulCarole J. Wright, P.O. Box 211, CarbondaleLa Tasha S. Merriweather, P.O. Box 391,

TammsChester L. Joplin and Teresa A. Joplin, 2299

Bryant Loop, West FrankfortCarol Anthony, 1609 Yost Drive, Apt. A,

MarionMichael R. Greenway, P.O. Box 816, JonesboroCharles E. Gossage, 1401 s. 16th St. Apt.

13, HerrinKimberly E. Harvel, 3400 U.S. Highway 51

South, AnnaBelinda R. Alexander, 1703 Carol Drive,

MarionSteve K. Vinson, P.O. Box 691, Vienna, and

Beverly J. Julian, P.O. Box 283, ViennaRaymond L. Helton and Charlotte A. Helton,

898 Liberty Road, Villa RidgeKathleen A. Graham, P.O. Box 723, Carrier

MillsAmy B. Markland, 204 S. Glenview Drive,

CarbondaleNellie J. Casteel, 85, Old Cain Road,

HarrisburgCharles Edward Pritchett Jr., 601 N. Seventh

St., Mount VernonVivian L. Bailey, 118 State Highway 34,

ThompsonvilleJune Darlene Mar tin, 1109 S. Feazel,

HarrisburgLouis L. Albers, 14017 Bobwhite Road,

NashvilleDennis P. Sminchak and Donna J. Sminchak,

10358 Gass St., West FrankfortLeo James Whitlock and Gina Marie Whitlock,

12 Edgewood Drive, Mount VernonCheryl L. Brimberr y, P.O. Box 222,

MurphysboroArthur R. Trexler and Lisa A. Trexler, 1051

Dumaroc Road, De Soto Jeffrey M. Bradley and Michelle M. Bradley,

3060 Egyptian Hills Drive, Creal SpringsRonald D. McClain Jr. and Miranda J. McClain,

51 Youngman Road, Apt. 6, MurphysboroChanez D. Murray, 805 N. Almond St.,

CarbondaleCharlotte M. Murray, 623 S. Manering St.,

RoyaltonGlen E. Crimson Jr., 108 Kim St., Apt. 1, De

SotoJerry L. Hays and Kristy E. Hays, 804 E. Ford

St., MarionPaula R. Bondurant, P.O. Box 12, CairoTimothy Clarida, 3311 Harco Road,

HarrisburgRichard Keith Parks, 250 Clark School Road,

De SotoDavid K. Stone and Leah D. Stone, 211 N.

Church St., PittsburgHarvey Carl Phillips, 416 S. Central St.,

BentonAaron Michael Essary and Jerrie Rose Essary,

103 W. Second St., Johnston CityMichael L. Melcher and Jamie R. Robinson

Melcher, 105 Circle Drive, HerrinJohn R. Melvin, 305 W. Harrison Ave.,

ChristopherBrian K. Winters, 387 Winters Lane,

Christopher Cour tney L. Crick, 930 Big Ridge Road,

HarrisburgDebbie K. Hagen, P.O. Box 133, RoyaltonJessica A. Browning, P.O. Box 444, ViennaShawn C. Tindell and Lisa M. Tindall, P.O. Box

174, WillisvilleKyle J. Cowgill, 186 Briley Road, EldoradoAr thur W. Wydeck, P.O. Box 312,

WillisvilleWilliam T. Winnett and Melody J. Winnett, 421

S. 23 Road, HerrinClatrice Oliver, 714 S. 18th St., MurphysboroMelissa K. Taylor, 410 E. Eighth St.,

MetropolisDaniel J. Halligan, 902 Cross St.,

CrossvilleTimothy A. Queen and Shannon L. Queen, P.O.

Box 105 WillisvilleTara Ellen Carney, 200 Mundy St.,

Eldorado


SBJ - June 2013

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Transcript of SBJ - June 2013