Southern Business Journal

MARCH 2011 Our next

SBJ CommunityLeaders’Breakfast

Tuesday, March 29 at John A. Logan College

OBAMACARE

SEE PAGE 4 FOR STORY

InsideM A R C H | 2 0 1 1

The Southern Business Journal is a publication of The

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

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

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

www.sbj.biz and via e-mail at [email protected]. The

Journal is published 12 times per year monthly, and

mailed to businesses, community development leaders,

chambers of commerce members and other

professionals in Southern Illinois. Copyright 2011 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: Jason Woodside n 618-351-5015

Circulation: Trisha Woodside n 618-351-5035

Database Coordinator: Mark Doman n 618-351-5042

protecting employee rights include arequirement that signs be posted toinform employees of their rights. Renshaw says the signs must beposted in a conspicuous place whereother notices to employees are usuallyplaced. It’s not an optional thing. Failureto follow the sign-posting requirementsmay result in a fine or limit anemployer’s ability to defend against a lawsuit involving one of these employment-related laws.

Page 11

INDICATORS Jobless rate improving: Unemploymentfell in all 18 Southern Illinois countiesduring December. Joblessness droppeda full 1 percent in Franklin, Washingtonand Gallatin counties; and 1.5 percentin Pulaski County. For the year,unemployment dropped in all countiesfor a 1.8 percent improvement over theprior year. To learn more about homesales, new vehicle sales and retailsales across Southern Illinois, checkthe monthly compilation.

Pages 12-13

ACHIEVEMENTS Learn the latest: Find out who hasbeen hired, who has been promoted orwho has received an award for theirefforts in business. Make sure youcheck out our newest ‘Faces in thenews’ collection of business portraits. Ifyou know of a business or person whodeserves special recognition foradvanced training, a unique honor or anexpansion of business, please let usknow at [email protected].

Pages 18-19

InsideCarbondale Civic Center ...................... 7

Custom Cleaners .............................. 22

DataLock .......................................... 22

Dutch Guttering ................................ 23

Feirich, Mager, Green & Ryan.............. 22

Ferrellgas .......................................... 17

Glass Haunt ...................................... 23

Jim’s Mobile Offices and Homes .......... 9

John A. Logan College ........................ 15

Millwood .............................................. 4

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

Pepsi MidAmerica ........................ 10, 17

Sandberg, Phoenix & Von Gontard ...... 17

Silkworm Inc. ...................................... 7

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

Southern Illinois Healthcare................ 24

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

State Farm Insurance, Bill Eckers ...... 17

Williamson County Airport .................. 22

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

Directory of Advertisers

OBAMACARE Will it hurt or help? Our CommunityLeaders Breakfast March 29 willexplore the impact of national healthcare reform, popularly known as Obamacare. Sponsored by the Southern Business Journal and TheSouthern Illinoisan, the breakfastbegins at 7 a.m. at John A. Logan College in Carterville. Keynote speakerRon Galloway will assess the short-term difficulties he anticipates withObamacare, but he also will discussthe long-term promises he foresees ofthe landmark legislation: Lowers costsand improved health care.

Page 4

ENTREPRENEUR’S MAILBAG Think about public relations: Today’spublic relations practices are moresophisticated than the wing-and-a-prayer tactics that got results just adecade ago, but the dividends are better, too. Columnist Cavanaugh L.Gray offers a personal perspective oneffective public relations – beginningwith the basic premise that businesspeople who don’t tell their own storiesfirst will later on learn about an out-sider’s story about the business. To getthe job done right, Gray provides ahandy checklist for getting started.

Page 7

EMPLOYMENT LAW Employees need facts on laws: Columnist Ed Renshaw reports thatmany of the state and federal laws

MARCH 2011 SOUTHERN BUSINESS JOURNAL 3

Cover Story

Like many Southern Illinoisans, JesseWilham of Carbondale vowed to exercisemore in 2011. Late last year, he worked atpaying off debts so he could afford a gymmembership. Then he learned of a 2 percent increase in Illinois state incometax withholding, causing him to cancelplans to join a fitness center.

“What I thought was going to be extramoney isn’t there,” he explains. “I needwhat was going to be the gym membershipmoney for other bills.”

The state increase essentially negates aone-year, federally mandated 2 percentdecrease in FICA or social securitywithholding.

“I don’t think the general populationhas felt it yet,” says Jim Skiersch, owner ofThe UPS Store in Marion. “The state nowtakes 5 percent as opposed to what was 3 percent, while the FICA taxes wentdown. It’s kind of a wash for the employee.What the federal government gave, thestate took away.”

Not all local residents are breaking even.Wilham, a Southern Illinois UniversityCarbondale staff member, and others arefeeling the 2 percent pinch. Some stateemployees, teachers and railroad workersare among those exempt from SocialSecurity, so their paychecks are actuallylower.

Businesses also are taking a hit. Alongwith the increase in personal income tax, corporate tax rates jumped from 4.8 percent to 7 percent, says RamonRodriguez Jr., an assistant professor in theSIUC School of Accountancy.

“The state government made changeson two fronts, both temporary increases,”he says. “For individuals, there is a jump to5 percent for four years, then it will dropback a bit for 10 years, then 15 years fromnow it drops to 3.25 percent. Thecorporate rate will drop in four years backto 5.25 percent for 10 years and back to thecurrent rate. This is assuming nothingchanges in the Legislature in themeantime.”

It’s that increase in the corporate rate,

along with higher workers’ compensationrates and talk of an increase in theminimum wage, that makes businessleaders and economic developmentofficials nervous.

“The logic of it makes people feel likeit’s going to make attracting business moredifficult,” Mary Ellen Bechtel, executivedirector of the Jefferson CountyDevelopment Corporation, says. “Whenyou have a perceived adverseenvironment, you just have to put moreincentives on the table to make it moreattractive.”

‘Last on list’Carmi Mayor David Port says his

community, located just miles from theIndiana border, is trying to lure in newbusiness without much luck. He says theincreased taxation is making the task verydifficult.

“If a business is looking to expand intoIllinois, Indiana, Missouri or Kentucky, weas a state are definitely going to be last onthe list,” he says. “A business has to look atthe bottom line and do what’s best for thestock holders. It’s difficult for us to draw inbusiness from other states.”

Port says some local accountants haveheard from business leaders who areconsidering leaving the state.

“It potentially could mean a loss ofbusiness, revenue and maybe even citizensfor our communities,” he adds. “Itcertainly adds to the strain businesses areunder in this weakened economy.”

“With the corporate rate, I think there isa fear that businesses will relocate,”Rodriguez explains. “When the taxincrease is stated as a percentage — a 67 percent increase for individuals and 45 percent for corporations — it soundsvery scary. I think there are two sides ofthis. One is that it is supposed to be atemporary increase, and it is veryexpensive to uproot and leave Illinois forjust a four-year increase. The counter tothat is that especially in Southern Illinois,if there’s a small business near the stateline, it may be easy for them to move outof the state.”

He says the added tax burden for a smallbusiness with a profit of $100,000 is just$2,200.

“That’s not really enough to force abusiness to have to lay off someone. Idon’t think we’re in crisis mode whereit will cost jobs, but the sound of a 45 percent increase may scare somecurrent businesses into leaving andprevent other businesses from coming toIllinois. I think businesses will see it as anextra cost, but it’s not a shut-the-business-down sort of extra cost.”

A definite impactStill, businesses and communities will

be impacted by the higher tax rates.“At the moment, it affects employees

more,” Skiersch says. “In three months,I’ll have to pay my portion of the increasedtaxes for the state. It’s going to take more money, and it definitely will

affect my bottom line.”Rodriguez says that while the increase in

personal taxes is masked this year by thedecrease in FICA, the social securitywithholding level goes back up next year,negatively affecting virtually all wageearners.

Bechtel says that could lead to adecrease in consumer spending.

“I think it will affect retailers, servicesand even tax revenue for cities,” Bechteladds. “My gut feeling is that it will affectour retail revenues and the level ofdiscretionary money that households haveto spend. When you take $1,200 out ofsomeone’s annual pay, they may go out toeat less often, for example. They’lldefinitely spend their money a littledifferently.”

So what can communities andbusinesses do as a result? Port says thatthe answers must come both from thelocal and statewide levels.

“We need incentives to draw businessinto areas like ours. We need carrots tooffer them, things like lower taxes, lowerworker’s compensation and a lowerminimum wage, but those may not beoptions right now,” he says.

“I think eventually businesses here willjust adjust their business models to makeit all work,” Bechtel adds. “It does make itharder, but I thing we’ll balance it out. Wehave to just press on and do the best wecan.”

The result is that individuals andbusinesses have a new obligation to meet.And, like Wilham’s gym membership, itmay mean making do without otheroptions for a while.

“It’s like you’ve made the last creditcard payment and think you’ll havemoney, when suddenly somethinghappens and you have to use the cardagain. It’s frustrating,” Wilham says.

LES O’DELL of Carbondale is a regularcontributor to Southern Business Journal andThe Southern Illinoisan.

BY LES O’DELLSBJ CORRESPONDENT

Prepare to feel the pinch of tax hikesIndividuals, businesses are going to see the impact of state’s decision

Find more business newsat www.sbj.biz.

ART SERVICESThe increase in personal taxes is masked thisyear by the decrease in FICA. The socialsecurity withholding level goes back up nextyear, negatively affecting virtually all wageearners.

Obamacare: Rx for progress?

Wondering about the impact of nationalhealth care reform — popularly calledObamacare — on your business? You’renot alone, even if your business is not partof the region’s health care network.

Our Community Leaders Breakfast inlate March should help sort facts fromfiction about Obamacare.

The keynote speaker, nationally knownbusiness expert Ron Galloway, sees betterand more affordable care in the future as aresult, but not without some difficulties.

Sponsored by the Southern BusinessJournal and The Southern Illinoisan, theprogram starts at 7 a.m. Tuesday, March29 at John A. Logan College in Carterville.Registration is required by March 21. Thecost of $15 includes a full breakfast buffet.To register, go online at www.sbj.biz or callThe Southern Illinoisan at 618-351-5002.

Galloway, 49, of Atlanta, said in a recentinterview he would address theunintended consequences of Obamacare,including its impact on the nation’sbusiness climate, a predicted decrease inphysicians, hospital mergers and closings,increased medical tourism by Americansand the great potentials of electronicrecordkeeping, “doc in a box” walk-inclinics and personalized, self-managedhealth therapies.

It might sound frightening, butGalloway, a self-described conservative,believes the eventual benefits will warrantthe early difficulties.

“Something had to change. Ultimately,I’m optimistic about it, if it forces peopleto take control of their own health care.”It won’t be much different from managing your own 401(k) retirementplan, in Galloway’s view.

Right now, the newness and lack of real-world application of health care reformcreate uncertainty for business.

“In the economic world, uncertaintyequals risk. It makes the small businessclimate riskier,” which inhibits newventures and expansions, Galloway said.

Hospitals will close and merge, the totalnumber of doctors will decrease as thenumber of nurse practitioners expands,and there will be more Americans seekingforeign medical care than foreignersseeking medical care in America, Gallowaysaid.

Though it might sound discouraging,Galloway sees the transition yieldingsignificant savings by avoiding costlyduplications and limiting physician-administered care to those cases requiringmore than a nurse practitioner — amongother changes. Everyone will need to takemore responsibility for their own health,both through growing wellness initiativesrequired in the private sector and theavailability of walk-in medical services forknown medical conditions.

Galloway sees the expansion of clinicsoperated by Walgreen’s, CVS, Wal-Martand others as a sign of things to come.Though derided by the term “doc in abox,” the clinics often are chosen by peoplewho know what care is needed and preferto save time and a great deal of money.

Perhaps the area of greatest potential isthe electronic medical recordkeeping thatwill be required by Obamacare. It may bean unintended consequence, but thestandardized and instantly availablerecords will enable medical researchers toquickly analyze vast amounts of data onthe effectiveness of new drugs and existingtreatment therapies. Galloway said costlyclinical research projects will largely bereplaced.

MARCH 20114 SOUTHERN BUSINESS JOURNAL

BY GARY METROSBJ EDITOR

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MARCH 2011SOUTHERN BUSINESS JOURNAL6

Money MattersReasons why you should do asset protection planning

When you havespent a lifetimeaccumulating whatyou have obtained,you do not want all(or even a part) to belost to creditors orpredators, eithernow or at any time inthe future.

If you are aphysician, dentist, lawyer, financialadvisor or other professional in a high-riskcareer, you understand, or shouldunderstand, the need to do assetprotection planning, as well as to haveadequate liability insurance. Every timeyou treat a patient or counsel a client orotherwise engage in providing yourprofessional services, there is a certain

risk, no matter your professional skill, thatan accident or mistake will be made. Youdo not want to risk all that you haveworked so hard to achieve going down thedrain defending your reputation orpreventing impoverishment of yourselfand your family should a law suit result ina settlement or judgment that exceeds theamount of liability insurance you havebeen able to afford.

But, there are other situations that cryout for asset protection planning.Common situations can result insubstantial losses to you and your family.For example: death taxes; the cost of long-term care; the remarriage of your spouseafter your death; the financial abuse ofyour surviving spouse by a loved one or acare provider; a child or grandchild whosimply is unable to be a responsiblemature adult; an in-law who maywastefully consume an inheritance; or theliability of heirs due to lawsuits,

bankruptcy or business failures.Let me describe situations to illustrate

why all smart persons, not just doctorsand other professionals, consult qualifiedcounsel to do asset protection planning.lYou have a special needs child.

Perhaps she (or he) has never left home.She is a very sweet person and thrives in ahome environment. She may needpractical help with daily tasks. Maybe sheis easily upset by changes in her routine,but flourishes with loving care andattention. Since reaching 18 years of age,she has been receiving SSI and medicalbenefits. If this describes your child, youneed to understand that she will lose thesebenefits if you leave an inheritance directlyto her. This includes custodial accountsunder the uniform transfers to minors oruniform gifts to minors acts (UTMA orUGMA). If, instead, you leave herinheritance to a trustee for her benefit in aSpecial (or Supplemental) Needs Trust,

you can give her a higher quality of lifethan she would otherwise enjoy — allwithout the need to “spend down” herinheritance and without jeopardizing hergovernmental benefits.lYou have a grandson (granddaughter,

niece, nephew, etc.) that livesindependently, but you and his parentsrefer to him as being “slow.” While hecurrently seems to be functioning wellliving independently, he receives Medicaidto help pay for his medications. Also, yourealize that he is vulnerable to beingexploited by so-called “friends” and mayeventually need to reside in a shelteredenvironment. Again, you need tounderstand that he would lose hisMedicaid and other governmental benefitsuntil he had “spent down” an inheritanceleft directly to him; but if left to a SpecialNeeds Trust, there would be no

BY RICHARD HABIGERSBJ CONTRIBUTOR

Habiger

Choosing a financial professional

When we buy acar or a house,consider a school for our children orplan our nextvacation, what kind of approach dowe take? For onething, we take ourtime. We shoparound

and consider our choices.Yet, when it comes to selecting a

financial consultant, not everyone takessuch care.

MarketWatch.com senior columnistChuck Jaffe sometimes speaks toaudiences on this topic, and when hedoes, he likes to conduct an informal poll.First, he asks people to raise their hand ifthey have ever worked with a financialadviser. Many hands go up.

Next, he asks these people to keep theirhands in the air if they hired the firstfinancial advisor they met with in theirsearch. Few, if any, hands are lowered.Then, he asks them to keep their hands upif they did a background check on thatperson before agreeing to work together.After asking that question, Jaffe writes, “Ihave never had a single hand stay in theair.”

Credibility and compatibility bothmatter. When it comes to the “alphabetsoup” of financial industry designations,some of them carry more clout thanothers. Some of the most respectedprofessional designations are CertifiedFinancial Planner, Chartered FinancialConsultant and Chartered FinancialAnalyst. These designations are earnedonly after thorough examinations and arequired curriculum of college-levelstudies in financial planning applications,retirement, insurance and estate planningfundamentals and other topics. Real-world experience must also complement

this course of study.Beyond a financial professional’s

credentials and designations, you havethe matter of compatibility. You don’twant to work with someone who insiststhat you fit into a preconceived box, foryou are not simply Investor A, Investor Bor Investor C who deserves this or thatgeneric strategy. Better financialprofessionals really get to know you, andthey will not be offended if you make theeffort to get to know them.

This is a relationship-based business,and when a financial consultant offers athoughtfully considered, personalizedstrategy to a client resulting from one ormore discovery meetings, he or she hastaken a step to earn the respect and trustof that client. Finer financial professionalsabide by a client’s preferences and risktolerance and take the client’s values,needs and priorities into account.

How do you “check out” a financialprofessional? You can visit www.finra.org(the Financial Industry Regulatory

Authority) and use FINRA BrokerCheck tosee if anything questionable has occurredin that person’s career. If that financialprofessional is an investment advisor, youcan go to the Securities and ExchangeCommission and look at that advisor’sForm ADV at advisorinfo.sec.gov. Part 1will tell you about any issues with clientsor regulatory agencies; Part 2 will tell youabout the advisor’s services, fees andinvestment strategies.

In addition, AARP offers you a financialadviser questionnaire, and websites likeabika.com, paladinregistry.com andadvisorbackgroundcheck.com canprovide you with further information.

SCOTT MCCLATCHEY is a certified financialplanner with Alliance Investment PlanningGroup, a Carbondale investment firm he co-founded, at 115 S. Washington St.He can be reached at 618-519-9344 [email protected] offered through LPL Financial,member FINRA/SIPC.

McClatchey

BY SCOTT MCCLATCHEYSBJ CONTRIBUTOR

There’s nothing like doing your homework and being selective

SEE MONEY / PAGE 16


Entrepreneur’s MailbagPublic relations lets you tellthe story of your business

I remember myfirst real attempt atpublic relations. Iwas in collegeoperating as a noviceentrepreneur, andmy new nonprofit,Young EntrepreneursProgram, was justreally getting off ofthe ground. At the

time, my strategy was simple. Get anenvelope, include an archaic brochure witha Post-It note, and then close my eyes,cross my fingers and hope for the best. Theresult was that renowned marketer JerryFisher did an article on the YoungEntrepreneurs Program, entitled “Fishingfor Ideas.” The column ran in the February1999 issue of Entrepreneur Magazine andbrought me a level of national recognitionand credibility that would have taken yearson my own. Today’s public relationsefforts are far more sophisticated than mywing-and-a-prayer approach and, if doneright, could pay big dividends.

PR 101There are two adages of public relations.

The first says that if you don’t tell yourstory, then someone else will definitely tellit for you. The other is that all PR (even badPR) is still good PR. I am a fan of theformer, and I think that companies like BPwould agree with me. Public relationsallow you to connect with the greaterviewing audience in order to let themknow what your business is all about.Publicity is not a one-sided deal, but afree-exchange between you and themedia. If you are planning to embark on apublic relations campaign, be sure todefine your goals and objectives before youbegin.

Tips for getting startedIf managed properly, public relations

could lead to increased credibility andsales. These tips may not be exhaustive,but will definitely start your press effortsoff right.lFirst determine if your message is

newsworthy. Does your story piggy-backon a popular news trend?lBe selective where you publicize, and

determine if the media of choice gives yougreater access to your target market?lKnow who covers what, and be

respectful of the press’ time and deadlines.I often marvel at how reporters andjournalists manage to keep it all together.lDevelop a one-page press release with

all of the key information front-loaded.Your release should answer who, what,when, where, why and how.lLastly, be sure to check your

information for spelling and grammaticalerrors.

Public relations should not be confusedwith marketing, although it plays a keyrole in getting your company’s messageout. In today’s hyper-connected society,all news about your company may notleave the general public with warm andfuzzy feelings. In January, Taco Bell CEOGreg Creed used public relations indefense of a lawsuit that claimed hiscompany was engaging in falseadvertising. Taco Bell used PR to tell itsstory and got it right. If you are notcurrently using public relations on aregular basis, you may be missing out. But,don’t fret; now is a good time to start.

CAVANAUGH L. GRAY is director of businessdevelopment for The Entrepreneur Café L.L.C. in Carbondale. For information ondeveloping an effective public relationscampaign or for more information on how tostart, grow and succeed in small business, besure to contact 618-206-7013 or follow TheEntrepreneur Café L.L.C. on Twitter atwww.twitter.com/TheECafe or atwww.ecafellc.com.

Gray

BY CAVANAUGH L. GRAYSBJ CONTRIBUTOR

It’s youryour great idea and wewe can help make it better! can help make it better!

Illinois Small Business Development Center/International Trade CenterSpring 2011 Workshop Schedule

Starting a Business in IllinoisThis two-hour informational seminar cover the basic requirements of starting your own business including: legal structure, start-up requirements, finding financing, and business planning basics. • Friday, March 11: 9am - 11am (West Frankfort, Sam Mitchell Law Building - 115 E. Main St.) • Wednesday, March 30: 9am - 11am (Dunn-Richmond, Room 150) • Tuesday, April 12: 1pm - 3pm (Herrin, Chamber of Commerce* - 35 Park Ave, Suite A) • Wednesday, May 11: 6pm - 8pm (Dunn-Richmond, Room 150) • Tuesday, June 7: 9am - 11am (Marion, Man-Tra-Con** - 3000 W. DeYoung St., IL Centre Mall)

*Co-sponsored by the Herrin Chamber of Commerce. ** Co-sponsored by Man-Tra-Con

Finding Financing • Wednesday, May 11: 2pm - 4pm (Dunn-Richmond, Room 150)Intro to Government Contracting • Wednesday, May 11: 4pm - 6pm (Dunn-Richmond, Room 150)International Trade: Are You Ready to Export? • Wednesday, March 30: 11am - 12pm (Dunn-Richmond, Room 150)

TO REGISTERWorkshop location is the Dunn-Richmond Economic Development Center, 150 E. Pleasant Hill Road, Carbondale, unless

otherwise noted. Pre-registration is required for all workshops. To register for any of these workshops or for more information, please call 618.536.2424 or email [email protected] or visit our website at www.siusbdc.com.


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Special ReportSam Gove: Reflections and impact

Samuel KimbleGove died Jan. 28 at87 years of age. Samwas well known forhis service at theUniversity of Illinoisand for the state ofIllinois. His expertisewas in state and localpolitics with a specialfocus on the state of

Illinois. He provided expert advice for thestate, including service in support of theIllinois Constitutional Convention in1970. He also was active in local civicaffairs.

Sam’s passing has been memorialized inobituaries, tributes and editorials. Thesecan be found at this website:http://igpa.uillinois.edu/node/1269. Mypurpose is not to summarize this material,but to provide some personal reflectionson his life and impact.

Sam’s passing has generated for me asense of personal loss, as well as a renewedappreciation for his contribution to stateand local public policy issues and hismonumental work relating to the state ofIllinois. I am also realizing that I have losta wonderful resource for the history of theUniversity of Illinois, the state of Illinoisand politics in general over the last 60years.

I feel like my reference library hasburned or my hard drive has crashed. Samknew virtually everything about a range ofissues. From Sam, I know why John Kerrnever became the head basketball coach atIllinois. (Answer: He did not complete hisdegree at a time when college graduationwas becoming a requirement for coaches.)I learned what U of I Professor ReviloOliver (who created a controversy after theKennedy assassination) was really like andhow Red Grange performed, not on thegridiron, but as a member of theuniversity’s board of trustees. I got theinside information about the slush fundscandal, since Sam was head of theAthletic Board at the time. This led toSam’s appearance of Kup’s Show inChicago.

With Sam gone, I may be the only

person who knows that Kansas once hadan elected state printer. I was surprised tolearn that the city of Chicago is technicallya “weak-mayor” form of governance.Chicago residents would be astounded bythis, as well. He also was the first malemember of the League of Women Voters.The list goes on and on.

When I have a question about Illinois’constitution and the history of itsdrafting, I will have no place to go, but itwill always remind me of Sam.

Sam was an avid tennis player andtennis fan. When the noted economistPaul Samuelson died a little over a yearago, someone reportedly said that he wasan amusing storyteller and a great tennisplayer. One of Samuelson’s friendspointed out that the adjectives were in thewrong order. Sam had much in commonwith Samuelson.

Nevertheless, Sam had somememorable tennis matches. For example,he once played against a truly mixeddoubles team of Judges Antonin Scalia andAbner Mikva at the Army Navy Club inArlington. His navy blue tennis shorts didnot meet the club’s dress code, and thematch could not proceed until Sampurchased white shorts.

Sam also had some notable triumphs.On two occasions, Sam and I, as seniortennis-playing members of Institute ofGovernment and Public Affairs, acceptedthe challenge of less senior members ofthe Institute for a tennis match. One ofthese challengers was Mike Bass when hewas better known as a place kicker than auniversity administrator. Sam took

considerable pride in defending the honorof the old guys, illustrating that in sports,as in academic politics, there is no victorytoo insignificant to celebrate.

In many ways, Sam was theexemplification of the governmentalexpert in the public administrationtradition of Woodrow Wilson. Prior to hispolitical career, Wilson was adistinguished scholar who promoted therole of experts to improve the functioningof government. Sam was extremely wellinformed about all aspects of stategovernment in Illinois and around thecountry. He was non-partisan and alwayswilling to provide his expertise togovernment officials in an accessible way.

Wilson’s view was that the expert’scontribution would temper the excessesthat resulted from the rough and tumble ofthe political system. Unfortunately, timehas not proven this hope to be true.Experts are essential in providingpoliticians with options, as well asevaluating the implication of thesepolicies. Ultimately, however, the finaldecision still rests with the politicians whostill operate in much the same way as thepast. Good information and analysis areessential to good decision making, but itdoes not guarantee that good decisionswill be made.

Sam learned this well in that many ofhis ideas were not welcomed by those inpower or even the voters. In 1980, Sam ledthe efforts to bring about a merger ofUrbana and Champaign. The proposal wasoverwhelmingly rejected by voters in bothcities.

Economist Robert Shiller stated recentlythat politicians do not really want adviceunless it reinforces their existing views.This is the environment in which Sam andall experts have to operate. When Samcame to Illinois in 1950, he probably didnot realize the degree of difficulty of thetask he undertook. Nevertheless, heprovided valuable guidance on a widerange of issues. His contributions shouldbe rated even more positively given theharsh environment in which he worked.

J. FRED GIERTZ is a professor of economicswithin the University of Illinois’ Institute ofGovernment and Public Affairs. He can bereached at 217-244-4822 [email protected].

Giertz

BY J. FRED GIERTZ SBJ CONTRIBUTOR


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

The Southern Business Journal congratulatesPepsi MidAmerica on 75 years!


Employment Law

It’s been five yearssince we looked atthe requirements forprovidinginformation to youremployees abouttheir rights understate and federalemployment laws.With a new yearupon us, and some

additional requirements added in the lastcouple of years, this is a good time for arefresher on what information you arelegally required to make available to youremployees.

There are numerous state and federallaws which give employees various rights.However, there’s not a lot of benefit tohaving a legal right if no one tells youabout it. So, many of the laws protectingemployee rights include a requirementthat signs be posted to inform employeesof their rights. The signs must be posted ina conspicuous place where other noticesto employees are usually placed.

Failure to follow the sign-postingrequirements may result in a fine or maylimit your ability to defend against alawsuit where one of these employment-related laws is involved. So, making sure

you have these signs posted can benefitnot only your employees, but also yourbusiness.

Let’s first take a look at federal laws thatrequire notices informing employees oftheir rights. The Civil Rights Act of 1964requires a notice that the employer maynot discriminate on the basis of race,color, religion, sex or national origin. Thenotice also must tell employees how theycan contact the Equal EmploymentOpportunity Commission for informationor to file a charge of discrimination orharassment.

The Age Discrimination in EmploymentAct requires a notice that employerscannot discriminate against an employeebased on age if the employee is 40 or older.The Americans with Disabilities Actnotice informs employees thatdiscrimination based on disability isprohibited and that employers areobligated to provide reasonableaccommodations to their disabledemployees. The Genetic InformationNondiscrimination Act requires employersto let employees know that discriminationagainst an employee based on geneticinformation is illegal. All of these noticesmust tell employees how to contact theEqual Employment OpportunityCommission about violations of the laws.

Under the Fair Labor Standards Act,employees must be provided a notice

about the minimum wage, overtime, childlabor and other requirements of that law.The Equal Pay Act requires a notice thatthe employer must pay equal wages tomen and women performing substantiallythe same work.

A sign must also be posted to informemployees of all their rights under theFamily and Medical Leave Act, includinghow to file a complaint should any ofthose rights be violated. The OccupationalSafety and Health Act mandates a noticeto employees about their employer’sobligation to provide a safe workplace andto comply with safety requirements underOSHA.

The required notice under the EmployeePolygraph Protection Act must tellemployees that, except under certainlimited circumstances, they cannot berequired to take a polygraph (lie detector)test or be discriminated against forrefusing to take one. The UniformedServices Employment and ReemploymentRights Act requires a notice explaining therights of employees who may be called toactive duty in the military.

That’s a lot of signs. The good news isthat the U.S. Department of Labor canprovide a single poster that covers all ofthese posting requirements, and there areseveral private companies sellingconsolidated posters, as well.

As to Illinois law, employers must post

notices about the Illinois minimum wage,wage payment requirements, overtime,equal pay for men and women, child labor,unemployment compensation, workers’compensation, non-discrimination rightsfor victims of domestic violence, theprohibition against smoking in theworkplace and employees’ right to one dayof rest per week. There are manycompanies (just check the Internet)providing all-inclusive posters whichcomply with all of these Illinois andfederal posting requirements.

Keep in mind that not all employmentlaws apply to all employers. You may needa minimum number of employees or youmay need to be doing business directlywith the federal government in order to besubject to certain laws and noticerequirements. If you need to know if a lawapplies to your business, you may want tocontact an attorney or the Illinois or U.S.Department of Labor.

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 legal services,including labor and employment law,commercial transactions, banking, realestate, workers’ compensation, municipal lawand estate planning. The firm’s telephonenumber is 618-529-3000 and its website iswww.fmgr.com.

Renshaw

BY ED RENSHAWSBJ CONTRIBUTOR

Make sure your employees know which laws protect them

Personal InvestmentsMaking a will: An important way to extend your love

As you plan foryour future, you candirect your assets tothe people andcauses you care mostabout. Making a willis an important wayto extend your love,care, generosity andgratitude to family,

friends, and the charitable. So, why have60 percent of the adults in the UnitedStates, living in households with children,not created a will? Are you in the 60percent or 40 percent category?

For you “60-percenters,” perhaps thewhole process seems too time consuming,difficult or even mysterious. To overcomethese obstacles, review these helpful hintsthat give clear answers to the questionsyou may have.lWhat happens if you don’t have a

will? If you die without a will, your estate

will be divided according to laws in thestate where you live. The resulting transferof assets may be very difficult from whatyou have wished. While certain familymembers will likely receive part of yourestate, close friends or charities that youmay have intended to remember will notbe included.lWhat can you put in your will? Only

you know the special circumstances ofyour family members and heirs. That’swhy it is important to discuss these factorswith your attorney. Some things to

address include how you want todistribute your estate, whom you want tobe executor and what charities you wish tosupport.

For example, you may want your will toname the executor of your estate, giveyour property to those you choose, set uptrusts to save on taxes and providefinancial management, name a guardianfor minor children, ensure lifetime care fora child with a disability, pass what you

BY GENE HONNSBJ CONTRIBUTOR

Honn SEE WILL / PAGE 14

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

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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 S O N D

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 Dec 1092.9

CFMMI Dec 1081.5

SOURCE: FEDERAL RESERVE BANK OF CHICAGO

Williamson County RegionalAirport passengers

746 520 p 43.5%

7,478 2,750 p 171.9%

Dec 10 Dec 09 Change

2009 Change

YTD TOTALS

MONTHLY TOTALS

Anna 111.1 114.5 113.3 112.3 111.7 109.7 p 4.4%Benton 62.3 69.4 71.4 72.4 75.0 70.4 q 1.4%Carbondale 546.9 565.5 587.7 607.4 610.4 579.4 q 2.4%Carterville 38.9 39.9 40.1 40.3 39.9 32.7 p 22.0%Chester 50.2 52.9 51.5 51.7 54.0 51.1 p 3.5%Du Quoin 78.4 100.8 91.9 94.4 103.1 95.0 p 6.1%Harrisburg 177.2 191.9 179.3 173.6 168.5 164.9 p 16.4%Herrin 142.0 147.2 135.9 134.4 137.5 127.9 p 15.1%Jonesboro 11.0 12.5 12.4 11.3 11.5 11.5 p 8.7%Marion 625.5 676.0 673.4 662.4 592.7 545.9 p 23.8%Metropolis 75.4 77.1 75.9 79.8 74.8 69.4 p 11.1%Mount Vernon 468.1 476.7 482.8 461.5 501.0 475.3 p 0.3%Murphysboro 120.0 129.1 117.1 94.9 93.0 94.6 p 53.4%Nashville 88.0 107.9 101.8 105.2 105.7 101.1 p 6.7%Pinckneyville 35.0 37.2 39.0 35.8 41.7 38.0 q 2.1%Red Bud 69.0 70.1 77.7 73.7 82.5 82.5 q 15.0%Sparta 117.8 126.4 130.5 129.5 133.1 127.7 q 1.0%Vienna 36.5 37.1 40.5 39.8 36.9 32.7 p 13.5%West City 79.8 91.9 89.6 82.8 77.7 70.8 p 29.8%West Frankfort 102.9 111.4 111.2 111.4 106.8 102.3 p 8.9%REGION $3,036.0 $3,235.5 $3,223.0 $3,174.7 $3,157.6 $2,983.0 p 8.5%ILLINOIS $134,556.5 $139,593.2 $237,438.0 $180,162.7 $173,362.8 $167,459.0 q 16.6%

YTD Nov 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 Dec 2010 Nov 2010 Dec 2009 Change month Change year

Unemployment rates for Southern Illinois counties, state and nation

Alexander 3,180 335 10.5% 11.2% 12.0% q 0.7 q 1.5Franklin 18,106 1,944 10.7% 11.7% 13.4% q 1.0 q 2.7Gallatin 2,835 243 8.6% 9.6% 10.5% q 1.0 q 1.9Hamilton 4,203 377 9.0% 9.3% 9.5% q 0.3 q 0.5Hardin 1,876 186 9.9% 10.3% 12.7% q 0.4 q 2.8Jackson 33,751 2,276 6.7% 7.3% 7.7% q 0.6 q 1.0Jefferson 20,731 1,728 8.3% 9.1% 10.7% q 0.8 q 2.4Johnson 5,266 528 10.0% 10.5% 11.2% q 0.5 q 1.2Massac 7,941 586 7.8% 8.6% 9.2% q 0.8 q 1.4Perry 9,458 968 10.2% 11.0% 12.5% q 0.8 q 2.3Pope 2,007 188 9.4% 10.0% 11.4% q 0.6 q 2.0Pulaski 3,028 270 8.9% 10.4% 11.1% q 1.5 q 2.2Randolph 15,838 1,238 7.8% 8.4% 9.6% q 0.6 q 1.8Saline 13,326 1,173 8.8% 9.6% 10.7% q 0.8 q 1.9Union 8,505 922 10.8% 11.3% 12.5% q 0.5 q 1.7Washington 8,454 528 6.2% 7.2% 8.3% q 1.0 q 2.1White 7,874 626 8.0% 8.6% 9.2% q 0.6 q 1.2Williamson 35,541 2,949 8.3% 9.0% 9.8% q 0.7 q 1.5 .,REGION 201,920 17,065 8.9% 9.6% 10.7% q 0.7 q 1.8ILLINOIS 6,675,950 588,848 8.8% 9.2% 10.8% q 0.4 q 2.0U.S. 153,156,000 13,997,000 9.1% 9.3% 9.7% q 0.2 q 0.6SOURCE: 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 Jan. 13 and Feb. 22, 2011.

694Anna

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 February 2011.

692U. S.

699State

698Region

SOURCE: EXPERIAN

SOURCE: AAA

Metro East $3.17 $3.08 $2.65Springfield $3.16 $2.90 $2.68Illinois $3.28 $3.07 $2.75U.S. $3.17 $2.98 $2.65

Feb 11 Jan 11 Feb 10

208

200

204

206

S

210

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212

A

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M J

216

J

218

A

220

O N DD 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 averageDec 10 219.2

Midwest urbanDec 10 209.3

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

S O N DJ A S O N

' 09

F M

' 10 ' 11J

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.

Jan 11 95.9

Home sales Total units sold, including condominiums

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Alexander 8 4 p 100.0% 17 32 q 46.9% $43,250 $43,500 q 0.6%Franklin 51 67 q 23.9% 276 332 q 16.9% $42,500 $40,000 p 6.3%Gallatin 4 1 p 300.0% NA NA NA $83,250 $45,000 p 85.0%Hamilton 1 3 q 66.7% 7 8 q 12.5% $49,500 $42,000 p 17.9%Hardin 0 3 q 100.0% 0 0 0% $0 $25,000 q 100.0%Jackson 59 79 q 25.3% 383 467 q 18.0% $90,000 $88,000 p 2.3%Jefferson 63 67 q 6.0% 332 381 q 12.9% $75,000 $92,500 q 18.9%Johnson 15 18 q 16.7% 78 92 q 15.2% $49,900 $84,750 q 41.1%Massac 15 28 q 46.4% 112 128 q 12.5% $45,000 $74,170 q 39.3%Perry 32 27 p 18.5% 126 149 q 15.4% $65,950 $52,000 p 26.8%Pope 2 0 NA 10 9 p 11.1% $73,500 $0 NAPulaski 2 3 q 33.3% 13 4 p 225.0% $39,500 $39,900 q 1.0%Randolph 26 41 q 36.6% 149 136 p 9.6% $71,750 $69,000 p 4.0%Saline 27 24 p 12.5% 80 78 p 2.6% $52,500 $64,250 q 18.3%Union 17 34 q 50.0% 101 91 p 11.0% $97,500 $74,000 p 31.8%Williamson 113 161 q 29.8% 639 705 q 9.4% $114,900 $97,000 p 18.5%ILLINOIS 21,957 29,922 q 26.6% 107,075 140,378 q 23.7% $144,000 $154,000 q 7.0%

Q4 10 Q4 09 Change 2008 2007 Change Q4 10 Q4 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 16 9 p 77.8% 137 169 q 13.3%Franklin 101 39 p 159.0% 989 1,341 p 7.5%Gallatin 22 11 p 100.0% 184 294 p 30.7%Hamilton 26 16 p 62.5% 224 287 p 10.4%Hardin 12 7 p 71.4% 94 109 q 19.3%Jackson 133 84 p 58.3% 1,348 1,969 p 21.4%Jefferson 112 46 p 143.5% 842 1,270 p 14.9%Johnson 38 19 p 100.0% 353 481 p 14.8%Massac 24 13 p 84.6% 278 422 p 3.7%Perry 46 43 p 7.0% 565 689 p 8.0%Pope 9 2 p 350.0% 85 123 p 10.8%Pulaski 10 11 q 9.1% 124 221 p 11.1%Randolph 82 77 p 6.5% 936 1,208 p 7.3%Saline 77 40 p 82.5% 719 1,064 p 15.7%Union 40 35 p 14.3% 447 596 p 11.6%Washington 51 37 p 37.9% 515 621 p 4.4%White 52 37 p 40.5% 471 721 p 8.6%Williamson 172 112 p 53.6% 1,868 2,515 p 9.7%REGION 1,023 638 p 60.3% 10,179 14,100 p 11.1%

Dec 10 Dec 09 Change 2009 2008 Change

$670,063 $624,238 p 7.3%

$5,828,924 $5,917,865 q 1.5%

Sept 10 Sept 09 Change

2009 Change

YTD TOTALS

MONTHLY TOTALS

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

2008ANNUAL TOTALS


Women in BusinessCelebrating Women’s History Month

It’s time to take abreak from genderbehavioraldifferences. And,what better time orreason than March— Women’s HistoryMonth!

I’m going toapproach thiscolumn differently

(speaking of differences). A few weeks ago,the Women In Leadership of SIU School ofLaw gave me a beautiful interactive bookentitled, “Women: A Celebration ofStrength,” published in 2007 by LegalMomentum (www.legalmomentum.org).I was presented the book after speaking atthe group’s annual dinner. I want to sharewith you merely a few of the fascinatingquotes and statistics that graced thisamazing book.

Quotesl“Women are like teabags, you never

know their true strength until you putthem in hot water.” Eleanor Roosevelt(1884-1962), internationally knownstateswoman and wife of PresidentFranklin D. Rooseveltl“A woman’s body could only handle a

limited number of development tasks at a

time — girls who spent too much energydeveloping their minds during pubertywould end up with diseased reproductivesystems.” Dr. Edward Clark, HarvardMedical School, 1873 (columnist comment… yikes!)l“Who will take responsibility for

raising the next generation? Women willonly have true equality when men sharewith them the responsibility of bringingup the next generation.” Justice RuthBader Ginsburg, 2000l“A girl must nowadays believe

completely in herself as an individual. Shemust realize at the outset that womanmust do the same job better than a man toget as much credit for it. She must beaware of the various discriminations, bothlegal and traditional, against women in thebusiness world.” Amelia Earhart (1897-1937), pioneer aviatorl“The flood of women into jobs is the

single most outstanding phenomenon ofour century … The revolution in the role ofwomen will have a greater potentialimpact than the rise of communism or thediscovery of nuclear energy.” Professor EliGinsburg, director of the EisenhowerCenter for the Conservation of HumanResources, Columbia University, 1997

FactsUntil 1837, no woman in the U.S. had

graduated from college.1877, no woman in the U.S. had a

doctorate.1920, no woman could vote in any

national election.1936, the National Recovery Act

mandated that women working ingovernment had to make 25 percent lessthan men doing the same job.

1965, states could outlaw birth control,even for married couples.

1974, women had no legal protectionagainst sexual harassment in theworkplace.

1984, no woman had ever run for one ofthe highest offices in the land on anational party ticket.

1994, there was no comprehensivenational legislation to address the issue ofviolence against women.

To ponderlUnpaid homemaking work and

caregiving are still not valued in the GrossNational Product. If they were, the GNPwould rise by an estimated 25 to 50percent.l In 2005, a woman in the U.S. was 45

percent more likely to be poor than a man.It has been calculated that if womenearned the same wages as men, povertyrates would be halved.lResearchers found that mothers are

44 percent less likely to be hired thanwomen without young children, and onaverage are offered $11,000 less in salary.lOnce all male, after blind auditions

were implemented, the New York

Philharmonic is now nearly half female.lThe Harvard Observatory astronomer

who showed the world how to measure thebrightness and distance of stars was awoman (Henrietta Leavitt, 1868-1921).

In 2005, a CBS News poll found broadappreciation for feminism and thewomen’s movement. According to thepoll, when a feminist is defined as“someone who believes in the social,political and economic equality of thesexes,” 58 percent of men and 65 percentof women identified themselves asfeminists. A record high 69 percent ofwomen said the movement has improvedtheir lives, compared with 43 percent in1997 and 25 percent in 1983.

A few months ago, a male friend askedme for the definition of feminism.“Equality,” I answered. “Nothing more,nothing less.” I guess that makes me afeminist. How about you?

JANE SANDERS of Mount Vernon is a speaker,trainer and facilitator in the areas of gendercommunication, strategic business orwork/life planning, presentation skills,recruiting and retention of women and sellingto women. Her clients include Toyota,Prudential, and Mayo Clinic. She is thecreator of the Undercover Confidante service,offering discovery and solutions to employeeissues. She is the author of “GenderSmart:Solving The Communication Puzzle BetweenMen and Women.” Reach Jane at 618-204-5540, [email protected]

Sanders

BY JANE SANDERSSBJ CONTRIBUTOR

choose to children or a prior marriage andset guidelines for distributions if you andyour spouse die at the same time.

Ask your attorney about a living willand a durable power of attorney in caseyou become incapacitated. You can findcopies of these advanced directives thatcan be completed online and downloadedfor free at Southern Illinois Healthcare’swebsite at www.sih.net/waystogive.lWhy leave charitable gifts in your

will? Some individuals plan to leave giftsto their favorite charities and talk about itwith the organization and their friends,

and then never get around to properlyestablishing such gifts in their wills. If youmake this mistake, your estate will notrealize the benefits of the unlimitedcharitable estate tax deduction, and thecauses you wished to support do notreceive your help.lYou can revoke your will. Note that

one of the articles in your will is“revocation of prior wills and codicils.”Relationships and situations change, andthis article ensures that you are free toalter your will with a codicil or to changeyour will entirely at any time.

It is a good idea to keep your old will butto write on its pages that it has been

revoked and replaced by a new will, andthe date of the new will. This may beuseful in situations when someone wantsto challenge a newer will.lNeed assistance. For a free personal

planning guide to help you prepare for thecompletion of a will, contact SIHFoundation at 618-457-5200, ext. 67843,or [email protected] and request a copy. This guide also contains advanceddirectives documents such as power of attorney for health care and a livingwill.

The personal planning guide andinformation on wills, trusts, advanceddirectives and other estate planning topics

can be found at www.sih.nwt/waystogiveand can be downloaded free. This willhelp ensure you have everything needed tomeet with your attorney and get into the“40 percent” group that has completed awill. Today is a good day to start theprocess.

GENE A. HONN is director of funddevelopment for Southern Illinois Healthcare.

WILL: An important way to extend your loveFROM PAGE 11


“spend down” and no loss of Medicaid orother governmental benefits.lYour husband’s next wife has

prepared “home-cooked” meals for himsix times in the month since your death.She can’t wait to redecorate your home.She thinks there is no good reason thatmoney earmarked for your childrenshouldn’t be spent on more importantthings, such as jewelry and vacations. Doyou want her to get your children’sinheritance?lYou or your spouse do not have long-

term care insurance or you have a policythat: (1) does not provide coverage for atleast five years; (2) does not pay at least$200 per day (at today’s cost) when youare in a care facility; (3) does not have aninflation rider to cover future increases inthe cost of care; (4) does not have apremium waiver to provide that once youare collecting benefits, you no longer haveto pay premiums; (5) does not providecoverage for home health that is broadenough to include costs other than thosesolely provided by nurses or licensed

home health aides (e.g., the policy will notpay for care provided by an adult child);and (6) the waiting (elimination) period isnot tailored to your particular financialsituation so you will be able to coverexpenditures out of your own pocketwhile you wait for coverage to kick in. Anylong-term care policy that does notprovide for at least these minimums iseither ill-suited or inadequate to cover thetrue costs of future care.lYou or your spouse (or parent,

grandparent, etc.) are facing thepossibility that one or both of you willneed long-term care at home, in anassisted living facility or in a nursing homewithin the next five years. In fact, it is bestto look over the horizon for a much longerperiod of time in most cases, perhaps aslong as 10 years in some cases. Don’t youwant to truly protect yourself and yourloved ones if the need for long-term carebecomes necessary?lYou or your spouse (or parent,

grandparent, etc.) are currently in themidst of needing long-term care, whetherit is at home, in an assisted or supportiveliving facility or in a nursing home. It truly

is never too late to save at least a part ofwhat you still have.lYou or your spouse are counting on

getting into a VA-run nursing home at thepoint that level of care is needed. Thereality is that most veterans will notqualify, and even if you overcome thestringent VA-classification hurdles, thereare extremely long waiting lists for all VAfacilities. Thus, smart veterans and theirfamilies do asset preservation planning inorder to hedge their bets in the event theymight eventually need to relay onMedicaid to help pay for long-term care.lYou and your spouse have large

medical and care expenses that are notcovered by Medicare and supplementalhealth insurance; but, you have been toldby the Veteran’s Administration that youhave too much to qualify financially forVA-paid assistance. However, if you are atleast 65 years of age, served at least 90consecutive days on active duty, one dayof which was during a period of war, andwere honorably discharged, you need tounderstand that asset protection planningcan assist you and your spouse inobtaining as much as $1,949 per month in

VA-paid “aid and attendance” benefits.That’s $23,396 per year, which you earnedthrough your service. If you are thewidow(er) of a veteran, with properlystructured asset protection planning, youmay qualify for as much as $1,056 permonth or $12,681 per year in VA-paidpension benefits.

Finally, everyone who reads this articleneeds to understand that asset protectionplanning cannot be used in any way thatmight defraud existing creditors. Thus,such planning cannot be used where: (1) you have a present intention to filebankruptcy or to conceal your assets fromknown creditors; (2) there is pending orthreatened litigation in which you areinvolved; or (3) you are aware of any othertype claim against you.

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


Economics

While watchingthe uprisings in theMiddle East, I havebeen reminded bythe words of MartinLuther King Jr.,“When we letfreedom ring, whenwe let it ring fromevery village andevery hamlet, from

every state and every city, we will be ableto speed up that day when all of God’schildren, black men and white men, Jewsand gentiles, Protestants and Catholics,will be able to join hands and sing in thewords of the old Negro spiritual, ‘Free atlast! Free at last! Thank God Almighty, weare free at last!’”

This freedom is what every man andwoman wants. Ultimately, it is freedom,

true freedom, that lets economic justiceflow. This then allows man to benefit fromhis own work. If he gets educated, he canearn a living doing whatever he wants. Ifshe wants to teach, she can teach; if shewants to be a doctor, she can be a doctor.

More than anything, the economicfreedom that really separates free societyfrom a totalitarian or communist society isproperty rights. Property rights giveindividuals the ability to control and beresponsible for themselves.

In Milton Friedman’s 1962 book,“Capitalism and Freedom,” the firstchapter discusses the manifest connectionbetween economic freedom and politicalfreedom. Friedman states, “The kind ofeconomic organization that provideseconomic freedom directly, namelycompetitive capitalism, also promotespolitical freedom because it separateseconomic power from political power andin this way enables the one to offset theother.” Thus, what we are seeing in the

Middle East has the potential to unleash,at least in Egypt and in other countries if(and when) it spreads, economic growththat could make China jealous. And that isgood for the world, the United States andeven Southern Illinois.

Asia’s economic growth is becauseChina embraced economic capitalism.Some of its economy is state directed, butmuch is not. China had to grow. China wasso poor, it had nowhere to go but up. Samewith India. Seven people out of every1,000 people in India have a car. That isthe same penetration the United Stateshad in the 1920s.

Many large corporations in the UnitedStates are considered multi-nationalcorporations. Many do more than 50percent of their business internationally.This will only increase.

Southern Illinois is benefitting fromworld economic growth; albeit, not as fastand not as much as we would like. Thisbenefit is evident by the rise in commodity

prices. This is benefitting the farmers inour great state. The first thing a familydoes when it rises out of poverty isimprove its diet. More protein foreveryone. This explains the price increasein corn, soybeans and other agriculturalcommodities. This explains the increase invalue of farm land.

There are coal mines being developed tofuel the energy needs growing in theworld. We have a lot of coal in SouthernIllinois. I applaud the entrepreneurs whofight the red tape to develop these assets.

MICHAEL P. TISON is an investment advisorand registered principal with Raymond JamesFinancial Services, Inc., with offices inHarrisburg and Marion. He can be reached at618-253-4444 or [email protected].

Tison

BY MICHAEL P. TISONSBJ CONTRIBUTOR Find more business news

at www.sbj.biz.

True freedom lets economic justice flow

MONEY: Reasons why you should do asset protection planningFROM PAGE 6

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AchievementsMARCH 2011SOUTHERN BUSINESS JOURNAL18

AccuCoat Inc. opens AccuCoat Inc., which specializes in

liquid vinyl exterior siding, recently openedin Metropolis. Mike Newbold, a native ofMetropolis, is the company’s local dealer.

Company information can be found atwww.neverpaintagain or by contactingNewbold at 800-557-5903 [email protected].

Ashe elected VP of AGCI of IllinoisSteve Ashe with E.T. Simonds

Construction Company of Carbondale hasbeen elected to serve a one-year term assecond vice president of AssociatedGeneral Contractors of Illinois.

Ashe was elected by the membership ofAGCI, which met recently in Springfield forits 104th annual convention. This is Ashe’ssecond year as an officer; he served assecretary-treasurer last year.

AGCI is a statewide highway/heavy andutility construction associationheadquartered in Springfield. Membershipincludes more than 150 general contractors,their subcontractors and suppliers.

Bryant to serve as president of leadership program

Terri Bryant of Murphysboro has beennamed president of Illinois LincolnExcellence in Public Service Series, aleadership program that trains and mentorsup-and-coming Republican women inIllinois.

Bryant graduated from the program in

2009 and was selected last year to serve asa member of the organization’s governingbody.

She is Coordinator of Coalitions forIllinois Republican Party, secretary of theJackson County Republican CentralCommittee and was a candidate for JacksonCounty Board in 2010. She is a 17–yearveteran of the Illinois Department ofCorrections, where she works as a dietarymanager.

Harris named interim CNO Shelley Harris, MSN, RN, has been

named interim Chief Nursing Officer at St.Elizabeth’s Hospital in Belleville.

Former CNO Alice Chatley recentlyannounced her resignation to pursue othercareer opportunities.

Harris has worked at St. Elizabeth’sHospital for the last 24 years with nineyears in leadership roles. She was mostrecently the interim director of CriticalCare Unit.

Roberts celebrating fourth year Amanda Roberts Photography is

celebrating its fourth year as a Carbondalebusiness. The initial steps have been takentoward building a studio, which is expectedto be finished late this summer.

This year, Amanda Roberts is offeringan interactive photo booth that comes witha photographer and a portable studio. Fordetails, visit www.amandarobertsphotography.com.

Roberts hasalso announcedher partnershipwith Think PinkPhotography.Think PinkPhotography wasfounded inOctober 2007 tosupportindividuals andtheir families whohave beentouched by breastcancer. For moreinformation,[email protected] or call618-717-2123.

Financial adviser hosts openingTeri Schumm of the financial services

firm Edward Jones recently hosted a grandopening celebration at her office at 112 N.Du Quoin St. in Benton.

For more information, call the office at618-438-8690.

Striegel Animal Hospital newsDr. Kelly Phillips recently joined

Striegel Animal Hospital in Carbondale.She has more than 12 years of veterinary

experience, and her veterinary research hasbeen published in the Journal of AmericanVeterinary Medical Association.

USDA honors Bank of CarbondaleThe Bank of Carbondale recently was

presented a Million Dollar Lender plaqueby the U.S. Department of AgricultureRural Development, recognizing the bankas one of the top guaranteed housinglenders in Illinois for 2010.

The bank guaranteed $1.3 million to help14 moderate-income homebuyers purchasetheir first home or upgrade to a better one.

The Bank of Carbondale has facilities inCarbondale, Murphysboro, Carterville andVergennes.

Kemper Technology Consultingwins awards

The website development team ofKemper Technology Consulting recentlyreceived two Addy Awards for outstanding

website design.Kemper Technology Consulting, with

Southern Illinois offices in Marion,Harrisburg, Mount Vernon and MountCarmel, took home a Gold Addy for itsdesign of Robinson Area Chamber ofCommerce (www.robinsonchamber.org)website and a Silver Addy for the design ofKemper CPA Group LLP(www.kempercpa.com) website.

Members of the web development teaminclude Martin Roth, CPA and partner atKemper Technology Consulting, AshleyNixon, Matt Pearce and SteveErnstberger. The website developmentteam was supported by the marketingefforts of Ronda Espenlaub and thecopywriting skills of Tonia Johnson.

Aisin receives Top Achiever AwardAisin Mfg. Illinois was recently

recognized for its success among all Aisinoperations in North America.

The 1P 1K Top Achiever Award waspresented to Aisin Mfg. at the Aisin NorthAmerican presidents meeting in Seymour,Ind. The award recognized the NorthAmerican plant with the most employeeimprovement ideas implemented in 2010.

The 1 Person 1 Kaizen program is anational program that allows Aisin teammembers the opportunity to submit andimplement ideas for improvement in theareas of safety, quality, cost, delivery orenvironmental. The team members alsoreceive financial awards based on theimpact of the idea.

Coracys attend Disney conferenceDavid and Helen Coracy of B and A

Travel Service, with locations inCarbondale and Marion, recently returnedfrom the annual Disney EarmarkedConference conducted aboard Disney’snewest ship, the Disney Dream.

They previewed coming attractions atDisney Parks, got behind-the-scenes looksat the innovative features onboard the shipand explored the recently upgradedCastaway Cay, Disney’s private island.

Local author expands bookDr. Richard A. Wittmeyer, president

of Strategic Performance Solutions, aMarion-based HR/OD consulting andexecutive search firm, has expanded hisbook on job-seeking techniques to includea wider range of job candidates.

Wittmeyer’s book is titled, “What You

Faces in the news

Newbold Ashe Harris RobertsBryant


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 e-mail the information

to [email protected].


AchievementsShould Know When Looking for a Job inToday’s Marketplace, 2nd Edition.” Thisedition provides a special section for themature job seeker not ready for retirement,and a chapter devoted to the recentgraduate seeking employment aftercompleting formal education.

For more information about the book,call Wittmeyer in Marion at 618-969-7271.

Darshan Boutique open houseDarshan Boutique, a new clothing and

gift store located in Town Square Market inCarbondale, recently hosted its grandopening with an open house.

The boutique offers fashionable clothing,unique accessories, gifts and greeting cardsmade by a collective of artists. Many of theitems are made from up-cycled qualityused clothing. For more information, call618-529-2312.

S.I. Family Medicine Centerreceives Award for Excellence

Southern Illinois Family Medicine Centerrecently received an Award for Excellencefrom the program, Your Healthcare Plus,for providing quality care in diabetes.

The awards were presented to Illinoismedical providers who achieve high marksin recognized measures of quality forchronic conditions.

The Carbondale center, part of SouthernIllinois University School of Medicine, isamong the first groups in the state to berecognized. The center is located at 305 W.Jackson St.

Sesser native named president Dr. David Flatt, a chiropractic

physician and board certified chiropracticorthopedist in St. Charles, has been namedpresident of the Illinois ChiropracticSociety.

A native of Sesser, Flatt is a graduate ofSesser-Valier High School. He is a 1991graduate of Logan College of Chiropracticand has been in practice in the St.Charles/Geneva area since 1992.

Wood opens Edward Jones officeKelli R. Wood of the financial services

firm Edward Jones opened a new officeDec. 13 at 2250 N. Reed Station Parkway,Ste. 206, in Carbondale.

Wood has served the area since 2009.She can be reached at 618-457-7205.

Aisin announces promotionsSeveral employees have been promoted

at Aisin Mfg. Illinois, LLC in Marion.They include Charlie Beatty, section

manager, SRI/RIM/glass; Tony Danner,assistant manager, SRI/RIM/glass; JimHalstead, assistant manager, OHI/OHAfirst shift; Eric Miller, assistant manager,OHI/OHA second shift; Chris Gaddis,assistant manager, purchasing; BradCorzine, assistant manager, qualityengineering; Brandon Lee, assistantmanager, QA/QC/RI; Jeff Doty, assistantmanager, manufacturing engineering; andJodie Stokes, assistant manager, benefits.

SIU School of Medicine honoredBethany Spielman, Ph.D., J.D.,

associate professor of medical humanitiesand health law at SIU School of Medicineand SIU Carbondale, has been appointededitor-in-chief of the journal, Medicolegaland Bioethics.

Brenda Vilayhong, director of clinicaloperations for SIU HealthCare, the medicalschool’s practice group, has earned theprofessional designation of CertifiedMedical Practice Executive from theAmerican College of Medical PracticeExecutives, the certification body of theMedical Group Management Association.The designation of CMPE demonstratesboard certification in medical practicemanagement.

Top financial advisors recognizedBob Loucks and Eric Clutts,

independent financial advisors at AllianceInvestment Planning Group in Carbondale,were recognized recently as top financialadvisors and named to the LPL FinancialFreedom Club.

Loucks and Clutts are affiliated with LPLFinancial and provide independentfinancial planning services, investmentadvice and asset management services tomore than 150 clients in the SouthernIllinois area.

Jeff Rose, an independent financialadvisor at Alliance, was recognized recentlyas a top financial advisor and named to theLPL Financial Director’s Club. Rose servesmore than 300 clients in the area.

These distinctions are based on anannual production ranking of all registeredadvisors supported by LPL Financial LLC,and is awarded to less than 20 percent ofthe firm’s more than 12,000 advisorsnationwide.


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

Building permitsCarbondaleThe Premiere Lounge, 104 W. Jackson St.,

$15,000John Huck, 904 S. Emerald Lane, $14,000Zenetta McDaniel Coleman, 508 E. Fisher St.,

$30,000Linda Seibert, 2500 S. Park Lane, $500Home Rentals Corporation, 401 E. Mill St.,

$75,000Home Rentals Corporation, 405 E. Mill St.,

$193,000Home Rentals Corporation, 409 E. Mill St.,

$193,000Leonard Morrison, 1202 N. Wall St., $33,700Fred Desrosiers, 310 E. Birch St., $2,000Home Rentals Corporation, 407 W. Monroe

St., $40,000

MetropolisMetropolis Drugs, 1001 E. 5th St., $20,000Daniel and Teresa Quintana, $1,500China House Buffet, 1201 E. 8th St.,

$3,000Michael Childers, $60,000Joe and Kathryn Jackson, 709 E. 2nd St.,

$1,800

Mount VernonJoe Buchanan, 1706 14th St., $0Robin Hensley, 118 9th St., $90,000Summersville Church, 1114 Old Fairfield Road,

$0Lena’s Flowers and Things, 640 Fairfield Road,

$2,184Height Finance, 2929 Broadway, $500RKM Enterprises, 4205 Broadway, $12,000RKM Enterprises, 4205 Broadway, $5,000RKM Enterprises, 4205 Broadway, $3,200Matthew Clark, 1812 Franklin, $2.300St. Mary’s Church, 1400 Broadway, $0Robin Hensley, 118 9th St., $0Larry Walton, 205 14th St., $0Donna Berry, 1312 Casey, $0Bill Beasley, 1804 Stanley, $0

BankruptciesChapter 7Jay L. McMillian, P.O. Box 278, WillisvilleVenus Pryor, P.O. Box 224, UllinCharles and L. Hogue Jr., 805 W. Cherry, HerrinPatricia L. Hogue, 508 E. Boulevard St., MarionJeffrey A. and Jane E. Johnson, 1605 E. St.

Louis St., West FrankfortGarry Auton, 1305 Benton Ave., Johnston CityBruce S. and Karen F. Slimp, R.R. 1

Box 217, GolcondaConstance J. Shega, 200 W. Casey, Lot 2,

WoodlawnDavid W. Hamilton, 758 W. Oak St., ChesterJanet L. Smith, 5353 Illinois 127, PinckneyvilleEric Thomas Benton, 5720 Bluff Road, ModocSusan R. Coloni, 11353 Stotlar Road,

Johnston CityCharles P. and Betty L. Phelps, 700 W. Church

St., HarrisburgFaith Sullivan, 103 Glendale, BentonRachelle A. Thomas, 2611 Michael Lane,

MarionAlma Jean Harris, 406 Timothy Lane, GalatiaRobert W. and Brenda C. Workman, 110 E.

Ford St., HarrisburgHenry D. and Cheryl L. Nicolaides, P.O. Box

2912, CarbondaleMichael I. and Alicia D. Smith, 202 E. Railroad

Ave., EnergyCasandra L. Sisk, 4039 Willow Springs,

Mount VernonStacy L. Crawford, 509 N. Madison St.,

West FrankfortJoanne A. Lucka, 135 Hemlock Cour t,

Mount VernonTeLisa S. Brucks, 220 David Ave., Mount

CarmelBarbara Jean Farris, 216 S. Emerald Lane,

CarbondaleRobert Winkler, R.R. 3 Box 229B, McLeansboroJason S. Davis, 10813 Prest Road, CoultervilleBobby and Renee Mangrum, 7190 Washington

St., MulkeytownRobin L. and Archie L. Lampley., P.O. Box 150,

OrientJohn J. McCarthy, 401 Steward St., WaltonvilleJerry L. Reed, P.O. Box 422, RidgwayRichard S. Pribble, 30 Shephard Lane, AnnaJames B. Troutt, 6 Nor thland Drive,

MetropolisDonald Ray and Tracy Lynn Asbury, 411 N.

Division, Du QuoinBobby D. and Jacqueline L. McIntosh, 518 S.

Emma St., West FrankfortJohn M. Enrico, P.O. Box 411, RoyaltonWendy Jane Craig, 905 E. Elm St., West

FrankfortJoseph E. Underhile, 105 N. Royal, RoyaltonMelissa J. Phoenix, P.O. Box 292, Campbell HillRichard J. and Jacklyn M. Hedger, 14490

Wilburn Road, West FrankfortRober t R. and Marsha L. Gottlieb, 2203

Alexander St., MurphysboroClifford and Delores A. Adams, 115 Bean

Ridge Road, ThebesJeffrey Kyle Westfall, 1707 E. Pickett Lane,

MarionJoshua K. and Ashley N. Meade, 443 King Hill

Road, MurphysboroAugusta June Spears, 405 NE Second St.,

Fairfield

Michael Ray and Deann Wiseman, 1106 S.Mechanic, Marion

Jerrod R. Leathers, 14637 E. Windsong Road,Mount Vernon

Malinda A. Dulaney, 18709 N. Stratford Lane,Mount Vernon

Keith A. and Patricia Miles, R.R. 2 Box 205,McLeansboro

Denise A. West, Route 4, Box 504, FairfieldPaula K. Conaughty, P.O. Box 667, West

FrankfortTonya L. Shults, Route 3, Box 251, GolcondaJames E. McGee, 631 Copp Ave., Mount

CarmelSarah Elizabeth Wolfe, P.O. Box 33, DongolaJimmy L. Easton, 334 Flanigan Road,

MurphysboroBenita C. Jordan, 1710 Broeking Road, MarionJoyce Rheal, 420 North St., MurphysboroWilliam R. and Toni D. Woolridge, P.O. Box

1592, MurphysboroLori Beth Ringel, P.O. Box 1572, Mount VernonGregory Scott and Angela Kaye Blackford,

18896 E. Illinois 15, Mount Vernon

Chapter 13Margaret M. Norris, 15092 Harmony Church

Road, West FrankfortDewise F. Nash, 500 Nash Lane, DongolaScott W. Hupper t, 1515 Lovers Lane,

GorhamLeland A. Mowery, P.O. Box 258, TammsBrenda D. Lewis, 420 Bell, Mount VernonLewis T. and Ida M. Robinson Sr., 922 S. Main

St., HarrisburgDebra K. Manion, 501 E. 15th, ChristopherAlan M. and Barbara A. Overton, 18 Sawmill

Road, CarbondaleJoey T. Smith, P.O. Box 884, BentonDaniel W. Perry, 16126 Collins Road,

Johnston CityAnthony A. Kinsey, 15737 Cochran Road 62,

MarionKevin E. and Jean E. McPheron, 10498 Ferges

Road, Johnston CityRocky DePauw, 1402 N. Logan, MarionJohn M. and Shirley M. Dickerson, 203 N.

Ninth St., BentonOrval Dale Eastwood, P.O. Box 92, MetropolisEzra L. and Laura J. Reams, 449 San Francisco

Road, CarbondaleBob L. and Judith A. Followell, 610 Fairland,

BentonAutumn G. Holt, 100 E. Mack St., HerrinJoshua D. and Miranda L. Williamson, P.O. Box

464, HurstDonald E. Eisenhauer, 715 W. Randolph St.,

PinckneyvilleAngela D. Brown, 730 Terrance Drive, Du QuoinMichael W. Broll, 1217 W. Monroe, HerrinCathy M. McClanahan, 222 Delaware,

Du QuoinGary and Trudy Crocker, Box 64, ValierCarol Lynn Allen, P.O. Box 425, MarionOrval L. and Lela M. Rector, 718 E. Union,

MarionJames D. Cecelia A. Midkiff, 90 Little Road,

HarrisburgWilliam A. and Donna A. Salamone, 780 Happy

Hollow Road, GorevilleJo Ann Hine, 1111 S. Giant City Road,

CarbondaleMerritt W. and Anita L. Mills, 1200 W. Maple

St., HerrinDonald W. and Janet M. Brandt, 12426 E.

Idlewood, Mount VernonTeddie M. and Wanda M. Grebenick, P.O. Box

28, Wolf LakeLindsay R. Holmes, 909 N. Madison, MarionMichelle R. Stanley, 312 James St., CartervilleRoger D. and Catherine A. Holmes, 4751

Jonesboro Road, MetropolisDavid L. and Connie R. Bandera, 1500 E.

Stotlar, HerrinEddie D. and Angela L. Snyder, 713 W. 11th

St., Johnston CityJudith Ann Keown, 1112 Kerr St., EldoradoRonald D. and Rita L. Elliott, 130 Dannie Road,

Carrier MillsJames R. Reichrath Jr., One Hoot Own Lane,

AvaMeredith John and Cynthia A. Osborne, 623

Buchanan St., BentonLarry W. and Judy A. Biggs, P.O. Box 279,

BentonRaymond Hubert and Ina May Halstead, 503

E. Franklin, Du QuoinShawn C. and Lisa M. Tindall, P.O. Box 174,

WillisvilleDanny Allen and Brenda Fay Huett, 316 W.

College St., HarrisburgGerald and Betty L. McCarty, 206 N. Illinois

Ave., West FrankfortDaniel Logen Headlan, R.R. 1, Box 295, Boyd’s

Addition, Cave In RockTracy L. Edgington, P.O. Box 138, CambriaJennifer L. Hanna, 404 W. Knauer St., AvaL. Leon Sanders, 945 Taborn Lane, Carrier

MillsSteven L. and Gwendolyn K. Bolte, P.O. Box

226, Johnston CityJerry W. and Terri L. Pendleton, 207 Jackson

St., GorhamJeffery William and Meteicha Catherine Green,

358 Crabtree Road, MurphysboroWilliam Harvey and Judy Gale Winters Sr., R.R.

2 Box 14A, ElizabethtownDeborah Walton McCoy, 2017 B Woodriver

Drive, CarbondaleLarry Franklin Klink, 963 W. Dagner, AvaTracy J. Lehr, 209 E. Lewis, AnnaCurtis A. and Traci D. Caldwell, 1512 Dodds

St., Mount Vernon

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Mark Your CalendarMarch 2

Beginning Access 2003: 8:30 a.m. to 4 p.m., Room F112, John A. LoganCollege Center for Business & Industry,700 College Road, Carterville. Cost is$55. Call 618-985-2828, ext 8510 or e-mail [email protected].

March 3Beginning Excel 2003: 8:30 a.m. to

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

March 4Beginning 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-mail [email protected].

March 7Beginning Access 2007: 8:30 a.m. to


March 8Beginning Word 2007: 8:30 a.m. to


March 9Intermediate Access 2003: 8:30 a.m.

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

e-mail [email protected] & Stress Management: 8:30 a.m.


March 10Intermediate Excel 2003: 8:30 a.m. to


March 11Intermediate QuickBooks 2009:

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

Starting a Business in Illinois Seminar:9 to 11 a.m., 115 E. Main St., WestFrankfort. Free. An optional businessstart-up kit is available for $15. Call 618-536-2424 or e-mail [email protected].

March 15Beginning Excel 2007: 8:30 a.m. to


March 16Advanced Access 2003: 8:30 a.m. to


Team Building: 8:30 a.m. to 4 p.m.,Room F109, John A. Logan College Center

for Business & Industry, 700 CollegeRoad, Carterville. Cost is $90. Call 618-985-2828, ext 8510 or [email protected].

March 17Advanced Excel 2003: 8:30 a.m. to


March 18Advanced QuickBooks 2009: 8:30 a.m.


March 21Intermediate Excel 2007: 8:30 a.m. to


March 23Visio 2007: 8:30 a.m.

to 4 p.m., Room F111,John A. Logan CollegeCenter for Business &Industry,700 College Road,Carterville. Cost is $55.Call 618-985-2828, ext8510 or e-mail [email protected].

March 28Advanced Excel 2007:

8:30 a.m. to 4 p.m., RoomF112, John A. Logan CollegeCenter for Business & Industry, 700College Road, Carterville. Cost is $55.

Call 618-985-2828, ext 8510 or [email protected].

March 29Intermediate Word 2007: 8:30 a.m. to


March 30Starting a Business in Illinois Seminar:

9 to 11 a.m., Room 150, Dunn-RichmondCenter, 150 E. Pleasant Hill Road,Carbondale. Free. An optional businessstart-up kit is available for $15. Call 618-536-2424 or e-mail [email protected].

International Trade: Are You Ready toExport: 11 a.m. to noon, Room 150,Dunn-Richmond Center, 150 E. Pleasant Hill Road, Carbondale. Free. Call 618-536-2424 or [email protected].

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