sbj 08-01-10

AUGUST 2010

InsideA U G U S T | 2 0 1 0

The Southern Business Journal is a publication of The

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

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

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

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

Journal is published 12 times per year monthly, and

mailed to businesses, community development leaders,

chambers of commerce members and other

professionals in Southern Illinois. Copyright 2010 by

The Southern Illinoisan, all rights reserved. A subscription

may be obtained by calling 618-529-5454 or

618-997-3356, or by visiting our Web site.

Contact usPublisher: Bob Williams n 618-351-5038

Editor: Gary Metro n 618-351-5033

Advertising: Abby Hatfield n 618-351-5024

Circulation: Trisha Woodside n 618-351-5035

Database Coordinator: Mark Doman n 618-351-5042

MONEY MATTERS Learn how to protect your assets:Many people will need long-term carebefore their book of life draws to aclose. But the costs are formidable,and long-term care insurance is animportant consideration in the financialstrategies of an aging population.Financial adviser Scott McClatchey reports on compelling reasons to getan LTC policy after turning 50.

Page 10

INDICATORSGood news on the jobless front: Unemployment decreased in 17 of thestate’s southernmost counties fromApril to May of 2010, the most recentmonth for which complete statisticsare available. Alexander County wasthe only location to report an increase,a modest 0.1 percent. Unemploymentdropped 2.1 percent in Franklin Countyand 2.0 percent in Washington County.For the region, the jobless rate fell by1.3 percent; the state, 0.7 percent;and the nation, 0.6 percent. We alsohave the latest on the indicators forhotel/motel stays, air passenger trafficand gas prices.

Pages 12-13

ACHIEVEMENTSCatch up: Find out who has beenhired, who has been promoted or whohas received an award for their effortsin business. If you know of a businessor business person who deserves special recognition for advanced training, a unique honor or an expansion of business, please let usknow at [email protected].

Pages 19

InsideArchitechniques, Ltd .......................... 17

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

Feirich, Mager, Green & Ryan.............. 17

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

Graphics Galore .................................. 6

Hyannis Air Service ............................ 10

Jim’s Mobile Offices and Homes .......... 6

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

Midwest Backgrounds, Inc. ................ 22

Milwood Executive Suites .................. 14

Oliver and Associates, Inc. ................ 22

Pepsi MidAmerica ................................ 5

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

SIU Credit Union ................................ 24

Southern Illinois Healthcare.................. 8

Southern Illinois University ................ 20

University Mall .................................. 13

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

Directory of Advertisers

COVER STORYTourism in Southern Illinois: When itcomes to tourism and the hospitalityindustry, summer is the most criticalof our four seasons – regardless ofthe geographical location. There wereconcerns going into the season thatexcessively hot weather and theslumping economy might have a bad impact on Southern Illinois,but the mid-season report from correspondent Les O’Dell paints a different picture. Tourism appears tobe doing better in Southern Illinoisthan in many other statewide locations. Apparently, the word isspreading about our great prices, thewide variety of attractions and the natural beauties of two mighty rivers,the Shawnee National Forest and theIllinois Ozarks.

Pages 3-4

EMPLOYMENT LAW When to proceed with caution: Whatdo you do as an employer who wasfaced with two doctors who said twoinjured employees could not return towork and two doctors who said theycould? It might be tempting to relysolely on the opinion that the employees could return to work,but the legal consequences could beexpensive and time consuming. Attorney Ed Renshaw provides aninteresting case study and the bottomline: If an employee’s own doctor sayshe can’t return to work because of awork-related injury and you disagree,only the Workers’ Compensation Commission can decide who’s right.

Page 6

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AUGUST 2010 SOUTHERN BUSINESS JOURNAL 3

Cover Story

Every industry has its crunch time, theperiods that can make or break an entireyear. For accountants, that time of year isspring. Retailers count on the weeksfollowing Thanksgiving, and florists lookforward to Valentine’s Day. For theowners of businesses serving visitors andtourists, summer is perhaps the mostimportant time of year.

So, how is the summer of 2010stacking up for tourism in SouthernIllinois? The owners and managers ofmany of the region’s travel anddestination businesses say, so far, thisyear has beenpleasantlysurprising.

“I’d say ourbusiness is up,especially over lastyear,” says KeithMann, owner ofDouble MCampgrounds nearJunction. “Thingsare going reallywell. I’d probablygive this season aseven or eight on a10-point scale.”

Mann says he thinks his perceptionholds for tourism across the area becausecampers are always looking for otherthings to do while they visit the area.

“We go through a lot of tourismguides,” he explains. “People are lookingfor what to do and how to get there. Theylike to do a little bit of everything fromvisit restaurants and shops, the winetrails and checking out some of thenatural sites like Garden of the Gods.”

Russ Ward, director of SouthernIllinois Tourism Development Office,says Mann’s take on the overall status oftourism in the region is accurate.

“Overall, from the people I’ve talkedto, I’d say most are encouraged by thenumbers,” Ward says. “It’s good news,generally. We’re probably looking at aslightly better year than last year.”

Ward’s office publishes an annualguide to tourist attractions and special

events every year. He says interest in the2010 guide has increased.

“We printed 10,000 more guides thisyear than we did last year,” he says, “andwe’re way ahead of our distributiongoals.”

He adds that the slightly strongertourism industry in Southern Illinois isbucking a statewide trend.

“The projection for the state was thattravel would be down this year, but we inSouthern Illinois tend to not track likethe rest of the state does,” Ward explains.“Of course, they consider Chicago, andwe’re definitely not Chicago.”

The distinction bodes well forattractions that take advantage of thenatural resources and beauty of the

region. Southern Illinois’ growingreputation as a mecca of sorts for wineenthusiasts also is paying dividends.

“We have definitely seen an increase intraffic this year,” says Rhoda Jacobs, co-owner of Von Jakob Vineyard in Pomona.“Even with an increase in wineries, we’re

Tourism in Southern Illinois: It’s crunch timeBY LES O’DELL

SBJ CORRESPONDENT

SEE COVER / PAGE 4

ALAN ROGERS AND STEVE JAHNKE / SBJAbove: Anthony Dust (right) and other cyclists compete in the Proscategory July 11 during the second day of the Great Egyptian Omnium inMarion.

Left: Mark Hochstettler (left) and Stacy Hauser, both of Carbondale, share abottle of red wine while relaxing on the back patio Monday afternoon at theVon Jakob Vineyard complex on Illinois 127 near Alto Pass.

Far left: The Ohio River in Elizabethtown.

Find more tourism news atwww.thesouthern.com/adventure2010.

Entrepreneur’s Mailbag

still seeing more people.” She adds thatmore visitors also mean more overnightguests.

“Our bed and breakfasts have beenbooked every weekend. Things havelooked really good this weekend,” Jacobssays.

Many visitors are choosing to stay inrental cabins — an option that was notavailable just a decade ago. Providingthese accommodations has become sortof a cottage industry in Southern Illinois,and one that is taking off. Visitors todaycan choose from a variety of cabinsranging from primitive to luxurythroughout the region.

“We’re having a great year,” says DixieDart, owner of Rim Rock’s DogwoodCabins near Elizabethtown. “We’ve hadthe biggest July we’ve ever had — morethan 90 percent booked. It’s beenphenomenal.”

Providers of lodging of all types, fromcampgrounds and cabins to hotels, arebenefitting from additional summertimeguests.

“As new attractions and the wine trailscontinue to develop, they’re bringingnew people here and those people arestaying all over Southern Illinois,” addsGeorge Trammel, president of MarionChamber of Commerce. “I think we’re

ahead of last year because of the newthings we’re adding.”

Trammel says the local tourismindustry has gotten a boost this yearfrom two unique events: the first GreatEgyptian Omnium bicycle race and theFrontier League All-Star Game, hostedby Southern Illinois Miners baseball teamin Marion.

“The game was a real bonus to us, andthat filled up the restaurants and hotels,”Trammel says. “It gave us a really goodfour days.”

Miners home games continue to be abig draw, he says.

“They are one of the teams leading theleague in attendance,” he adds.

League expansion also helped the area,Trammel says. Fans of new franchises,such as the one in Bloomington-Normal,are coming for series against the Miners.

“It’s not too far for people to come andspend a few days,” he points out.

Amy Mills-Tunnicliffe says manyrestaurants also are seeing an increase invisitors. As marketing director for 17thStreet Bar & Grill in Marion andMurphysboro, she carefully watchestourist traffic.

“There’s not a day that goes by that wedon’t have someone in from out of town,”she says. “It seems to be up fromprevious years.”

Mills-Tunnicliffe says she thinks the

region is benefitting from a shift in travelpatterns.

“I think people are doing more cartrips this summer,” she says. “People justseem to be ‘out’ this year.”

Dart says she’s noticed a differenceamong the guests at her cabins also.

“I think instead of taking trips toMexico or overseas, people are findingthings to do in their own backyards, so tospeak,” she says. “Most of our guests arefrom Chicago, St. Louis or theneighboring states. They come here andthen they find great things to do.”

She says the key to continuing thegrowth of tourism in the area is to makesure that the guests have a great time ontheir visit.

“I really feel that we have to give thema good product. In our case, that’s a niceplace to stay,” Dart explains. “If we areable to do that, they will come back.

We’ve had some guests come back 10 or11 times.”

It’s something that Trammel alsostresses.

“As people come that are new to thearea, we want to make sure that they’rehaving a good experience,” he says. “Wehave to welcome them to SouthernIllinois and encourage them to comeback.”

Ward says that the diversity ofattractions in the area, along with a focuson attracting visitors and treating themright when they do visit, will continue tomake the summer months prosperous forthe area’s tourism sector.

“There’s no doubt in my mind thatwe’ll continue to see an increase intourism in Southern Illinois,” he says.

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

AUGUST 2010SOUTHERN BUSINESS JOURNAL4

‘I think instead of taking trips to Mexico or overseas, people are findingthings to do in their own backyards, so to speak. Most of our guests arefrom Chicago, St. Louis or the neighboring states. They come here andthen they find great things to do.’

DIXIE DARTOWNER OF RIM ROCK’S DOGWOOD CABINS

Youth entrepreneurship is alive and well in Southern Illinois

Recently, I had thepleasure of speakingwith a group ofenterprising youngmen and women atthe 2010 Educate,Lead, InspireTomorrow’sEntrepreneurs(ELITE) YouthEntrepreneurship

Camp. The program is the brainchild of

several women who have shown alongstanding commitment to advancingentrepreneurship in Southern Illinois.

Donna Raynalds is executive director ofSouthern Illinois Delta EmpowermentZone (SIDEZ), Norma Turok is a businesseducator and former member of theUniversity of Illinois Extension office inCarbondale, and Candy Eastwoodoversees the Illinois Small BusinessDevelopment Center at ShawneeCommunity College.

The weeklong training camp helpedstudents gain a greater knowledge of theirown business personalities and

understand the basics of businessplanning, while meeting successfulentrepreneurs. Despite the obviousattractiveness of small business for ouryoung people (money), there are otherreasons to support youthentrepreneurship.

Benefits for our youthIn my 16-year involvement in youth

entrepreneurship, I have noticed thefollowing long-term benefits. Some of thegreat inventions of our day have comefrom progressive thinkers whose dreams

materialized once they took the leap offaith. Entrepreneurship allows youngpeople to envision a future they may nothave thought possible. The Bill andMelinda Gates Foundation grew out of thecouple’s success at Microsoft, and it hasallowed them to not only change lives incommunities around Redmond, Wash.,but also in communities throughout theworld. Entrepreneurship allows successfulyoung people a greater opportunity tocontribute to the revitalization of theircommunities. Lastly, entrepreneurshipGray

BY CAVANAUGH L. GRAYSBJ CONTRIBUTOR

SEE ENTREPRENEURSHIP / PAGE 23

COVER: How is the summer of 2010 stacking up for tourism in Southern Illinois?FROM PAGE 3

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Employment LawR E S U L T S | R E S U L T S


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A fairly recentdecision by theIllinois AppellateCourt, First District,offers someguidance for asituation whichemployerssometimes face. Thecase was Grabs v.Safeway Inc., and it

provides a cautionary tale to employerswho dispute whether an employee has avalid work-related injury.

In the Grabs case, two employees wereinjured and claimed the injuries happenedat work so that workers’ compensationbenefits should be provided. Theemployer was not so sure about both theseriousness of the injuries and whetherthey really were work-related. So, theattorney for the workers and the attorneyfor the employer fought over those twoissues before the Illinois Workers’Compensation Commission.

The doctors for both employees haddetermined that their injuries preventedthem from returning to work. Theemployer didn’t believe the doctors’recommendations and had both

employees undergo an independentmedical examination by other doctors. Inboth cases, the doctor conducting theIME concluded that the employee’s injurywas not work-related and that theemployee was physically able to return towork.

So, the employer was faced with twodoctors who said the employees could notreturn to work and two doctors who saidthey could. Who do you think theemployer chose to believe? That’s right.Based on the IMEs, the employerconsidered the employees to be off workfor injuries not related to work.

Under the employer’s attendance policyfor injuries not related to work, employeeshad to call in each day they did not cometo work. If an employee did not call in forthree consecutive days, the employeewould be terminated for “jobabandonment.” Both employees wereterminated for failing to call in for threeconsecutive days.

Both employees filed lawsuits in thecircuit court against the employer,claiming they were fired in retaliation forfiling workers’ compensation claims fortheir injuries, which is illegal. Theemployer maintained that they were notfired for filing claims, but because theyhad failed to call in their absences — apolicy that applied to all employees.

Meanwhile, their workers’compensation claims continued to movethrough the Workers’ CompensationCommission process. Eventually, thecommission issued a decision that agreedwith the opinions of the employees’treating doctors; the employees were notphysically able to return to work at thetime they were fired. The commissionalso decided that the injuries were work-related.

Back in the circuit court, based on thecommission’s decision, the judge decided,without a trial, that the employer wasliable to the employees for retaliatorydischarge. The judge decided that theemployees had a right to rely on their owndoctors’ opinions and not the opinions ofthe IME doctors. He also decided thatwhere doctors disagree about anemployee’s ability to return to work, theemployer must wait for the commissionto decide who is right and cannot fire theemployee for violating an attendancepolicy.

The employer appealed the circuitcourt’s decision to the appellate court.The appellate court was asked to decidewhether the judge was right in decidingthat only the Workers’ CompensationCommission can resolve conflictingmedical opinions about an employee’sability to return to work and whether an

employer can fire an employee for failingto return to work before the commissiondecides which doctor is right.

The appellate court decided that thecircuit court was mostly right, but partlywrong. The judge was right when hedecided that the employer could not firethe employees for violating theattendance policy when there was adisagreement about whether theemployees’ injuries prevented them fromreturning to work. The employer couldnot simply listen to its own IME doctorsand ignore the employees’ doctors.

The appellate court also said that onlythe Workers’ Compensation Commissioncan determine which doctors are correct.Until that happens, an employer takes agreat risk if it fires the employees for theirabsences from work.

However, the appellate court decidedthat the judge was wrong when hedecided, without a trial, that theemployer was liable to the employees forretaliatory discharge. The court said thatjust because the employees had workers’

Renshaw

BY ED RENSHAWSBJ CONTRIBUTOR

SEE EMPLOYMENT / PAGE 14

Find more business newsat www.sbj.biz.

Proceed with caution when an employee’s injury evokes conflicting opinions

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WorkplaceSocial differences

contribute to communication confusion

Last month Idiscussed a fewbiologicaldifferences betweenmen and womenthat impact ourcommunicationstyles. Along asimilar vein,communicationdifferences also

stem from social conditioning. It’s thenurture aspect compared to last month’snature element. For example, socialcharacteristics commonly attributed tomen include strength andaggressiveness, competition andsuperiority, independence, hiding ordenying emotions, and being very briefand focused. Social characteristics inwomen include a stronger desire formonogamous relationships, consensus,harmony, conflict avoidance, attentionto detail, strong verbal and social skills,and highly developed intuitive andpeople-reading skills. (Keep in mind,however, that these are generalities.There will always be exceptions.)

Throughout the centuries, gender-based responsibilities helped us evolve

socially with characteristics necessary toadequately handle such duties. Forexample, if men were responsible forhunting, building and protecting,doesn’t it make sense that they would besocially wired for strength,aggressiveness, competition andsuperiority more so than women? Thisspecific socialization was for survival, amatter of life or death. To keep himself,his family and the species alive andprotected from harsh weather, enemiesand predatory animals, a man needed tofeel superior and be highly competitive.He also needed these characteristics fordominance, control and victory overother tribes to ensure the growth andlongevity of his own group.

If he went on month-long hunting ormanhood trips, independence would bevery important, wouldn’t it? Or, if hestood in front of an enemy and burst intotears, that wouldn’t bode him very well,would it? He would likely be killed onthe spot because of perceived weakness.So hiding or denying emotions became away of life, literally one tool to stay alive.Also, men were responsible for keepingtheir tribe alive. They were brief andfocused. They didn’t have time fordetails.

Because of other survival issues andresponsibilities, women wereprogrammed differently. For example, as

much as women hate to admit it now, fora long period of human’s history, theyneeded men’s protection to survive. If anenemy or a saber-toothed tiger killed aman, or if another woman stole himaway to replace her previous partner, hisfemale partner and her children wouldlikely die. So, women are socially wiredfor monogamous relationships, muchmore so than men, possibly because itmeant life or death to them. Socialwiring is deep and enduring, also inmany cases subconscious. This survivalinstinct is thousands of years old; it issolid and it is ingrained.

Men, on the other hand, were sociallyand biologically wired to procreate andkeep the species alive, to strengthentheir tribes through sheer number.Gentlemen, this is no longer necessary.(Sounds funny, but I’m serious.) Thereare plenty of human beings on the planetnow. This is one of those tendencies thathas been, for the most part, adapted tofit current social norms and needs.(Many styles and behaviors evolve astheir ramifications and benefits change.)So here we have deeply ingrainedgender-based differences for life-and-death survival issues, resulting in atotally contradictory approach torelationships. This is one key reason whythere is conflict between men andwomen.

Because women’s responsibilitiesincluded raising children, women arewired to a greater degree for consensus,harmony, connection and conflictavoidance. Raising children andgathering fine seeds and grains also gavewomen a greater attention to detail.

Strong verbal and social skills andhighly developed intuitive and people-reading skills manifested in women dueto their responsibilities for relationshipsand child rearing.

It has been said by some experts thatmen offer friendliness, whereas womenoffer friendship. A subtle, yet profounddifference. One expert stated,“Friendliness comes and goes as neededto get something done. Friendship is arelationship that overrides the project.”Men grew up playing on teams with boysthey didn’t necessarily like, and learnedto pull together anyway. Women grew upwith more choice and control over whothey socialized with, so liking someonebecame crucial to their ability to create arelationship. One result of thissocialization is that men are more goaloriented, and women are relationship orprocess oriented. By the way, this doesnot mean that men don’t develop anddesire friendships. What I’m referring toare generalities, key motivators.

Sanders

BY JANE SANDERSSBJ CONTRIBUTOR

SEE WORKPLACE / PAGE 16

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A Master LimitedPartnership (MLP) isa publicly tradedpartnership, a publicsecurity that isexchange traded justlike other publiclytraded stocks. Inmost ways, MLPs aresimilar to stocks thattrade on the New

York Stock Exchange or NASDAQ. Mostpay a quarterly dividend payment, and theincome they generate is a reason thatmany investors find them attractive. Manyhave yields between 6 percent and 8 1/2

percent.

The major difference between publiclytraded stock and MLPs are how they aretaxed. Most publicly traded corporationspay a corporate tax. MLPs do not pay acorporate tax. Instead, all tax items passthrough to the partners. This leaves moreof the MLP earnings free to pass on toinvestors; moreover, for most, the timeyou hold your MLP units, you will nothave to pay tax on the distributions theway you do on corporate dividends. Theyare considered a tax-deferred return ofcapital, that is, payback on yourinvestment. They reduce the basis of yourpartnership units, but are not taxed ascurrent income.

On the other hand, you will beresponsible for paying tax on your share ofthe partnership’s taxable income.However, most MLPs pay cash

distributions that are well in excess on anytax owed.

One limiting factor of MLPs is theability to own them in an IRA. You canhold them in IRAs, but there are someimportant limitations. Partnership incomeallocated to a tax-exempt organization or atrust such as an IRA may be consideredunrelated business taxable income (UBTI)subject to the unrelated business incometax (UBIT). However, it will not be taxed aslong as this income does not exceed$1,000 in any year. Note that it is the IRA’sshare of the partnership’s income and notthe cash distributions it receives that issubject to UBIT.

Most MLPs are in the energy business.Additionally, they make up differentsectors within the energy industry. Aninvestor might find a particular sector

more appealing. First would be theexploration and production. These areenergy companies that are either trying tofind oil, own oil wells or a combination ofboth. The more they are searching for oilas opposed to owning producing wells, themore likely the dividend will be lower.There would be more upside if they findoil and more downside if their explorationattempts fail.

Another major energy sector is calledmid-stream suppliers. One example of amid-stream supplier is an oil pipeline. Thepipeline is like a toll road; it charges tomove oil or natural gas. The pipeline’sincome statement is not as affected bychanges in oil prices and actually prefersstable to lower oil prices because oildemand and, therefore, pipeline traffic ishigher. As you can imagine, there are not alot of new pipelines going in at this time.Because of the barrier to entry, thesecompanies often have stable profits andsolid dividends. Other mid-streamsuppliers would be natural gas companiesfrom whom you buy your home heatinggas or oil storage facilities.

Investing in MLPs have both marketrisk, commodity pricing risk and companyrisk like any other publicly tradedcompany. All companies have their ownindividual management risk. I have alwaysthought that when you invest in acompany, you are investing in themanagement of the business.

If you think oil demand is going to falland supply is going to increase, then thismight not be the investment for you.However, if you think oil demand is goingto stay strong, that the supply is notendless, and you would like an aboveaverage dividend, then you should talkwith your financial advisor on whetherinvesting a portion of your investableassets in a MLP would be suitable for you.

MICHAEL P. TISON is an investment adviserand registered principal with RaymondJames Financial Services Inc., with officesin Harrisburg and Marion. He can bereached at 618-253-4444 [email protected].


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I N S U R A N C E | T A X E S

Money Matters

How will you payfor long-term care?The sad fact is thatmost people don’tknow the answer tothat question. But asolution is available.

As Baby Boomersleave their careersbehind, long-termcare insurance will

become very important in their financialstrategies. The reasons to get an LTCpolicy after turning 50 are verycompelling.

Your premium payments buy you access

to a large pool of money which can be usedto pay for long-term care costs.

By paying for LTC out of that pool ofmoney, you can preserve your retirementsavings and income.

The cost of assisted living or nursinghome care alone could motivate you to paythe premiums. Genworth Financialconducts a respected annual Cost of CareSurvey to gauge the price of long-termcare in the U.S. The 2010 report found thefollowing:l In 2010, the median annual cost of a

private room in a nursing home is $75,190or $206 per day — $14,965 more than itwas in 2005.lA private one-bedroom unit in an

assisted living facility has a median cost of$3,185 a month, which is 12 percent higher

than it was in 2009.lThe median payment to a non-

Medicare certified, state-licensed homehealth aide is $19 — up 2.7 percent from2009.

Can you imagine spending an extra$30,000 to $80,000 out of yourretirement savings in a year? What if youhad to do it for more than one year?

AARP notes that approximately 60percent of people older than 65 willrequire some kind of long-term careduring their lifetimes.

Why procrastinate? The earlier you optfor LTC coverage, the cheaper the

premiums. This is why many peoplepurchase it before they retire. Those inpoor health or older than 80 are frequentlyineligible for coverage.

What it pays for. Some people think LTCcoverage just pays for nursing home care.That’s inaccurate. It can pay for a widevariety of nursing, social and rehabilitativeservices, at home and away from home,for people with a chronic illness ordisability or people who just needassistance bathing, eating or dressing.

Choosing a DBA. That stands for Daily

McClatchey

BY SCOTT McCLATCHEYSBJ CONTRIBUTOR

SEE MONEY MATTERS / PAGE 22

Find more business news at www.sbj.biz.

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State FocusL E G A L | G O V E R N M E N T | T A X E S

The state ofIllinois providedmodest increases instate aid to publicelementary andsecondary (K-12)educationthroughout the lastdecade. A recentreport suggests thata large portion of

the increases in general state aid hasfound its way to the Chicago PublicSchools (CPS). Ted Dabrowski provideda great service in his investigative studyfor the Taxpayers’ Federation of Illinois(Tax Facts, June 2010) that revealed thisinformation — facts that have beensystematically hidden from taxpayersand likely many members of the GeneralAssembly because of the intricacies ofthe state budget.

The first decade of the 20th centurywas a trying time for state and localgovernments in Illinois. However, K-12education in Illinois fared relatively wellduring this period of austerity. Overall,real per pupil spending (adjusted forinflation) rose by a modest 2.8 percentfor 2000 to 2009 period. In mostperiods, this would be considered ameager result, but compared to mostother governmental functions in thestate (for example, higher education),staying ahead of inflation can beconsidered a victory in thisenvironment.

K-12 education is financed by thecombined efforts of local schooldistricts through the property tax andaid from the state of Illinois and thefederal government. Total spending forK-12 education in the state increasedfrom $16.8 billion to $26.1 billion duringthis period (2000-2009) with most ofthe increase ($5.6 billion) coming fromlocal property taxes.

The state did, however, provide $1.6billion extra support in 2009 throughthe general state aid (GSA) formulacompared to 2000 — a 4.9 percent

annual rate of increase. The GSA wasoriginally intended to reduceexpenditure disparities among schooldistricts in the state by directingresources to districts with lower localcapacity (smaller amounts of propertytax wealth per student). While the GSAfell well short of equalizingexpenditures among districts, it was themajor engine used by the state in itsattempt to increase expenditure levelsfor poorer districts to adequate levels.

In the last 10 years, GSA funds havebeen channeled in different directions— for property tax relief and for aid todistricts with high levels of poverty,both of which disproportionallyrewarded the city of Chicago.

In the early 1990s, the state of Illinoisattempted to slow the growth ofproperty taxes with tax cap legislationknown as the Property Tax ExtensionLimitation Law (PTELL). It originallyapplied to the collar counties aroundCook County and then to Cook itself.Finally, downstate counties were giventhe option of imposing caps onthemselves through a referendumprocess. Caps have been approved inmore than 30 downstate counties.

PTELL limits property tax extensionincreases for non-home rule districts(which includes all school districts) tothe lesser of 5 percent or the rate ofinflation. This cap can be overridden bythe voters through the referendumprocess. The intention of PTELL was toslow the growth of local property taxesresulting from rapidly rising propertyvalues. However, PTELL was notintended to replace property taxes withincreased state aid; that is, state aid didnot replace the loss in access to theproperty tax by local districts becauseof PTELL. This changed in 2000 whenthe General Assembly allowed state aidfrom the GSA to compensate districtsconstrained by PTELL.

As it turns out, the Chicago PublicSchools were a major beneficiary of thischange because of rapidly risingproperty values in the city. In effect, thestate began replacing the funds lost tothe Chicago Public Schools because of

PTELL from GSA funds. In 2009, theChicago Public Schools received $505million (64 percent) of the total of $789in PTELL replacement funds. Forreference, the Chicago Public Schoolshave 19 percent of the students in thestate.

In 1999, another modificationoccurred in the state aid processthrough a change in the Poverty Grantprogram financed from GSA. This alsoresulted in substantial increases in aidfor the Chicago Public Schools wheremore than 80 percent of the studentsare now considered poor. Fifty-twopercent of Poverty Grants found theirway to the Chicago.

The combined impact of these twochanges has resulted in a majoralteration in the function of GSA.Dabrowski found that had the PTELLreplacement not been implemented, thefoundation level (the guaranteed perpupil level of support) would average$719 more per pupil today, anddisparities among districts would besubstantially reduced.

People may agree or disagree about

the redirection of GSA to Chicago.However, the change occurred with nodebate or discussion.

The change was almost completelyhidden from taxpayers with the resultsembedded within the GSA totals thatmade them inaccessible.

While many citizens believed thatK-12 education was being protectedfrom the budget austerity occurring inother areas of the state budget, the vastmajority of school districts in the statereceived no such help.

This may not be all that surprising. Itoften has been said that Chicago islosing its clout with the population shift to the suburbs. However, the focusof political power remains squarely inthe city of Chicago, where both leaders in the General Assembly and allof the state’s constitutional officersreside.

J. FRED GIERTZ is a professor ofeconomics within the University ofIllinois’ Institute of Government andPublic Affairs. He can be reached at 217-244-4822 or [email protected].

Giertz

BY J. FRED GIERTZ SBJ CONTRIBUTOR

ART SERVICESK-12 education is financed by the combined efforts of local school districts through theproperty tax and aid from the state of Illinois and the federal government.

State education aid: Follow the money

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

100

102

103

104

105

106

107

108

109

110

111

112

113

114

115

78

90

DN D M A M J J A S O’08

N F M A MO

98

94

’09J

88

86

84

F

82

81

80

76J

’10

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 2002.Starting in November 2005, the index excludedthe electricity component.

IPMFG May 10103.8

CFMMI May 1086.7

SOURCE: FEDERAL RESERVE BANK OF CHICAGO

Williamson County RegionalAirport passengers

661 164 p303.1%

3,354 1,168 p 187.2%

June 10 June 09 Change

2009 Change

YTD TOTALS

MONTHLY TOTALS

Anna 41.9 114.5 113.3 112.3 111.7 109.7 p 4.4%Benton 23.2 69.4 71.4 72.4 75.0 70.4 q 1.4%Carbondale 203.5 565.5 587.7 607.4 610.4 579.4 q 2.4%Carterville 13.3 39.9 40.1 40.3 39.9 32.7 p 22.0%Chester 16.7 52.9 51.5 51.7 54.0 51.1 p 3.5%Du Quoin 35.6 100.8 91.9 94.4 103.1 95.0 p 6.1%Harrisburg 66.9 191.9 179.3 173.6 168.5 164.9 p 16.4%Herrin 53.8 147.2 135.9 134.4 137.5 127.9 p 15.1%Jonesboro 4.0 12.5 12.4 11.3 11.5 11.5 p 8.7%Marion 222.9 676.0 673.4 662.4 592.7 545.9 p 23.8%Metropolis 25.6 77.1 75.9 79.8 74.8 69.4 p 11.1%Mount Vernon 168.8 476.7 482.8 461.5 501.0 475.3 p 0.3%Murphysboro 43.1 129.1 117.1 94.9 93.0 94.6 p 53.4%Nashville 30.3 107.9 101.8 105.2 105.7 101.1 p 6.7%Pinckneyville 9.7 37.2 39.0 35.8 41.7 38.0 q 2.1%Red Bud 23.7 70.1 77.7 73.7 82.5 82.5 q 15.0%Sparta 41.1 126.4 130.5 129.5 133.1 127.7 q 1.0%Vienna 12.6 37.1 40.5 39.8 36.9 32.7 p 13.5%West City 29.3 91.9 89.6 82.8 77.7 70.8 p 29.8%West Frankfort 38.8 111.4 111.2 111.4 106.8 102.3 p 8.9%REGION $1,104.8 $3,235.5 $3,223.0 $3,174.7 $3,157.6 $2,983.0 p 8.5%ILLINOIS $47,226.5 $139,593.2 $237,438.0 $180,162.7 $173,362.8 $167,459.0 q 16.6%

YTD April 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 May 2010 Apr 2010 May 2009 Change month Change year

Unemployment rates for Southern Illinois counties, state and nation

Alexander 3,088 308 10.0% 9.9% 10.4% p 0.1 q 0.4Franklin 17,962 1,978 11.0% 13.1% 10.9% q 2.1 p 0.1Gallatin 2,735 252 9.2% 10.4% 9.6% q 1.2 q 0.4Hamilton 4,116 327 7.9% 9.6% 8.2% q 1.7 q 0.3Hardin 1,816 195 10.7% 11.5% 9.9% q 0.8 p 0.8Jackson 32,853 2,228 6.8% 7.6% 6.3% q 0.8 p 0.8Jefferson 20,585 1,767 8.6% 10.0% 8.5% q 1.4 p 0.1Johnson 5,167 493 9.5% 10.9% 9.8% q 1.4 q 0.3Massac 7,350 657 8.9% 9.0% 8.7% q 0.1 p 0.2Perry 9,463 1,058 11.2% 12.6% 11.2% q 1.4 0.0Pope 1,914 185 9.7% 10.4% 9.2% q 0.7 p 0.5Pulaski 2,966 315 10.6% 12.0% 9.9% q 1.4 p 0.7Randolph 15,559 1,252 8.0% 9.3% 8.5% q 1.3 q 0.5Saline 12,937 1,159 9.0% 10.2% 8.7% q 1.2 p 0.3Union 8,087 892 11.0% 13.0% 9.5% q 2.0 p 1.5Washington 8,300 586 7.1% 8.4% 7.2% q 1.3 q 0.1White 7,526 578 7.7% 9.1% 8.1% q 1.4 q 0.4Williamson 34,573 2,951 8.5% 9.9% 8.3% q 1.4 p 0.2 .,REGION 196,997 17,181 8.7% 10.0% 9.1% q 1.3 q 0.4ILLINOIS 6,645,041 665,023 10.0% 10.7% 9.8% q 0.7 p 0.2U.S. 153,866,000 14,369,000 9.3% 9.9% 9.4% q 0.6 q 0.1SOURCE: ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY, U.S. DEPARTMENT OF LABOR. FIGURES ARE NOT SEASONALLY ADJUSTED. 2,750 2,636 p 4.3%

2008ANNUAL TOTALS

SAVETHE DATE!

Community Leaders’ BreakfastTTooppiicc:: Impact of Marion STAR bonds/destination development on the region

Wednesday, September 8 | 7-9 AM | John A. Logan College

https://secure.townnews.com/shared-content/perform/?domain_name=sbj.biz&form_template=comm_leaders_breakfast

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 July 21 and June 8, 2010.

694Jonesboro

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 June 2010.

692U. S.

699State

698Region

SOURCE: EXPERIAN

SOURCE: AAA

Metro East $2.74 $2.85 $2.40Springfield $2.71 $2.65 $2.37Illinois $2.81 $2.83 $2.54U.S. $2.72 $2.72 $2.46

July 10 June 10 July 09

208

200

204

206

A

210

‘10

212

A

214

MM

216

J

218

J

220

S O N D J F’09

M

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

U.S. city averageMay 10 218.2

Midwest urbanMay 10 208.0

SOURCE: U.S. DEPARTMENT OF LABOR

95949392919089

96979899

100101102103104105106107108

D J A M J J A

’07

S O N D J F M A M JD J

’08

F M A M J J A S O N

’09

F M

’10

U of I FlashIndex

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

June 10 91.3

Home sales Total units sold, including condominiums

SOURCE: ILLINOIS ASSOCIATION OF REALTORS

Alexander 4 2 p 100.0% 17 32 q 46.9% $24,500 $8,500 p 188.2%Franklin 58 59 q 1.7% 276 332 q 16.9% $51,250 $38,400 p 33.5%Gallatin 1 0 NA NA NA NA $25,000 $0 NAHamilton 0 3 q 100.0% 7 8 q 12.5% $0 $27,500 q 100.0%Hardin 3 2 p 50.0% 0 0 0% $146,000 $52,000 p 180.8%Jackson 67 58 p 15.5% 383 467 q 18.0% $108,000 $73,200 p 47.5%Jefferson 45 51 q 11.8% 332 381 q 12.9% $60,000 $55,000 p 9.1%Johnson 16 14 p 14.3% 78 92 q 15.2% $91,500 $105,000 q 12.9%Massac 21 21 0.0% 112 128 q 12.5% $59,900 $85,000 q 29.5%Perry 28 30 q 6.7% 126 149 q 15.4% $56,000 $44,500 p 25.8%Pope 3 2 p 50.0% 10 9 p 11.1% $30,000 $19,500 p 53.8%Pulaski 1 2 q 50.0% 13 4 p 225.0% $74,000 $15,000 p 393.3%Randolph 30 22 p 36.4% 149 136 p 9.6% $65,950 $83,500 q 21.0%Saline 28 22 p 27.3% 80 78 p 2.6% $43,500 $70,250 q 38.1%Union 17 14 p 21.4% 101 91 p 11.0% $58,000 $67,500 q 14.1%Williamson 121 122 q 0.8% 639 705 q 9.4% $160,000 $180,000 q 11.1%ILLINOIS 21,242 17,194 p 23.5% 107,075 140,378 q 23.7% $144,600 $145,000 q 0.3%

Q1 10 Q1 09 Change 2008 2007 Change Q1 10 Q2 09 ChangeMEDIAN SALES PRICE

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

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

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

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

Alexander 10 24 q 58.3% 137 169 q 13.3%Franklin 81 88 q 8.0% 989 1,341 p 7.5%Gallatin 17 14 p 21.4% 184 294 p 30.7%Hamilton 13 21 q 38.1% 224 287 p 10.4%Hardin 6 7 q 14.3% 94 109 q 19.3%Jackson 102 112 q 9.0% 1,348 1,969 p 21.4%Jefferson 62 80 q 22.5% 842 1,270 p 14.9%Johnson 33 30 p 10.0% 353 481 p 14.8%Massac 17 28 q 39.3% 278 422 p 3.7%Perry 51 48 p 5.2% 565 689 p 8.0%Pope 4 10 q 60.0% 85 123 p 10.8%Pulaski 7 13 q 46.2% 124 221 p 11.1%Randolph 60 67 q 10.4% 936 1,208 p 7.3%Saline 65 64 p 1.2% 719 1,064 p 15.7%Union 41 36 p 13.9% 447 596 p 11.6%Washington 39 31 p 25.8% 515 621 p 4.4%White 52 36 p 44.4% 471 721 p 8.6%Williamson 141 156 q 9.6% 1,868 2,515 p 9.7%REGION 801 865 q 7.4% 10,179 14,100 p 11.1%

May 10 May 09 Change 2009 2008 Change

$634,575 $588,283 p 7.9%

$1,551,848 $1,616,593 q 4.0%

Mar 10 Mar 09 Change

2009 Change

YTD TOTALS

MONTHLY TOTALS

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

2008ANNUAL TOTALS

http://www.myuniversitymall.com/


Your BusinessInjury prevention in the aging workforce

The workforce isaging. During theperiod 2006-2016,the Bureau of LaborStatistics estimatesa 36.5 percentincrease in thenumber of workersbetween 55 and 64.That figure ispredicted to soar by

more than 80 percent for workers 65 to74 and those 75 and up. The statistics arethe result of the 76 million Baby Boomerssteadily moving through our workforcewith graying hair and associated physicalchanges.

Older workers are valuable in that theyhave experience and are good at theirjobs. Younger workers have moreinjuries, but those injuries aresubstantially less costly than those thatinvolve the older worker. Three of the topfour injuries to older workers include softtissue injuries to the shoulder, neck andlower back. The common progression oronset of arthritis, degenerative discdisease, low back pain and shoulderimpingement syndromes are conditionswe all get eventually, but these becomemore of an issue in physically demandingoccupations or jobs that aggravate theaging conditions.

Physical changes can also include

decrease in strength and flexibility. Infact, a 15 to 20 percent decrease instrength by age 60 is typical. Balance,vision and hearing may also change withage. For example, a 60-year-old workergenerally requires eight times theamount of light to see as clearly as a 20-year-old. The impact on theemployer is simple: Address the agingworkforce proactively or pay forincreased workers compensation claimson an array of musculo-skeletal injuries.

Employers are addressing the agingissue in a variety of ways. Below areproven methods to help reduce injuriesamong the aging workforce:l Incorporate stretching programs as a

part of safety meetings and at key times,such as beginning of shifts and duringbreak times. Stretching breaks are topromote increased circulation to fatiguedmuscles, not to make us flexible like agymnast. Stretching programs carriedout consistently have been shown toreduce injuries and cumulative traumaclaims. They are practical andinexpensive to implement.l Job tasks should not require that

employees work at their maximum powerrepeatedly or for extended periods oftime; this can lead to injury to a workerof any age. Altering job tasks andprocesses and providing assistive devicessuch as hand trucks, dollies and hoistscan reduce worker effort on the job. Also,consider moving experienced olderworkers into supervisory positions for

their knowledge and expertise.l Ensure the work environment is

hazard-free through regular facilityaudits and maintenance. Improvelighting and provide non-skid floors toreduce slips, trips and falls. Make surethat clerical workers have access to headsets and other ergonomic officeequipment to reduce strain fromprolonged keyboarding and data entry.For example, Herrin Hospital recentlyimplemented a program called SafetyPays, where employees submit ideas onfacility safety in their department. Theseideas could ultimately be incorporatedthroughout the hospital as well. Therehave been many submissions with greatideas to improve safety. By having everyemployee look for ways to improve, it ischanging the environment and reducinginjuries.lA job safety analysis can be

conducted on virtually any job function.Ergonomic assessments are performed to

fit the work environment to the worker.Many times, the worker is forced toadapt to the current work environmentas his/her body changes, which may leadto injury. Ergonomic assessments shouldnot be limited to office workstations;they can be used for any function,including maintenance work on buildingsor landscaping work.lOutline benefits of health

maintenance in everyday life. Lifestylerisk factors (smoking, obesity, inactivity,poor diet, etc) increase the cost oftreating medical conditions, increaserecovery time from injury and increasedays away from work. Adding simplewellness programs to encourage walkingand smoking cessation assistance andmaking changes in the vending machinechoices in your facility are a good start topromoting a healthier workforce. Providerecognition to employees who makehealthy lifestyle changes. For example,highlight the number of days anemployee has stopped smoking.

There is not a perfect solution or aone-size-fits-all approach to managingthe challenge of injury prevention in theaging workforce. I hope thesesuggestions help provoke some thoughtto keep your employees injury-free.

GINGER HILLIARD is occupational healthcoordinator for Southern IllinoisHealthcare’s WorkCare. She can bereached at 618-993-3817 or [email protected]@sih.net.

Hilliard

BY GINGER HILLIARD SBJ CONTRIBUTOR

EMPLOYMENT: Proceed with caution

compensation claims and were firedimproperly does not automatically meanthe employer was retaliating against themfor having the claims. There may havebeen some other valid reason for theterminations and the employer shouldhave a chance to prove this.

Remember, if an employee’s own doctorsays he can’t return to work because of awork-related injury and you disagree,only the Workers’ CompensationCommission can decide who’s right.

If you fire the employee for failing toreturn to work, you will likely have alawsuit on your hands. Before you act, youmay want to talk to an attorney.

EDWARD RENSHAW is a partner with theCarbondale law firm of Feirich/Mager/Green/Ryan. F/M/G/R is a generalpractice law firm offering a full range oflegal services, including labor andemployment law, commercialtransactions, banking, real estate,workers’ compensation, municipal lawand estate planning.

FROM PAGE 6

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Contact Brenda [email protected]

Milwood Executive SuitesLeasing More Than Just Office Space

Our shared office concept provides high traffic and visibility, prestigioussurroundings, and reduced costs for quality services and amenities likereceptionist, kitchen, conference room and lobby/waiting area.

The impact on the employer issimple: Address the agingworkforce proactively or pay forincreased workers compensationclaims on an array of injuries.


http://www.milwoodonline.com

http://www.jalc.edu

The long-anticipatedimplementation inIllinois of a 2006federal law will soondevastate manyseniors and theirloved ones. Thatfederal law and thenew Illinois ruleswill lawfully rob

many of their life savings, legally steal thehomes and farms of many others, preventuntold numbers from qualifying forgovernmental benefits, wreak untoldsuffering on thousands and imposetremendous havoc on the medical andlong-term care delivery systems inSouthern Illinois. That federal law is calledthe Deficit Reduction Act (DRA).

Readers of this column got a hugeheads-up last month when I scrappedwhat I had planned to write about and,instead, exposed the contents of amemorandum that I obtained from aconfidential source. That memo disclosedIllinois’ plans to finally implement theDRA. Unfortunately, we learned that thecurrent plan is to implement the new rulesretroactively to Feb. 8, 2006. Those whomissed last month’s column can view itonline at http://www.sbj.biz, page 17.

The effects of the new DRA rules arebest understood by comparing the newrules with the old rules. Under the oldrules, a gift or transfer for less than fairmarket value within a three-year look-back period caused a penalty period equalto the actual cost of care. Under the newrules, the look-back period is extended tofive years and the penalty period for an

uncompensated gift or transferis calculated in the samemanner.

Thus, for example, if Suegave Sara $30,000 and laterentered a nursing home wherethe monthly cost was $3,000,the penalty period would be 10months under both the old andnew rules. If the gift was mademore than 10 months beforeSue making an application forbenefits, under the old rulesthe penalty period will haveexpired. However, the newrules impose a far differentmethod of calculating thepenalty period. In short,penalty periods do not expireunder the new rules.

This is the key differencebetween the old rules and thenew rules, the one that willcause the most damage toseniors and their loved ones,and to the health care system:lUnder the old rules, the penalty

period started when the gift or transferwas made.lUnder the new rules, the penalty

period does not begin until the senior is ina nursing home or otherwise receiving anursing home level of care; and has spentdown to the asset limit for nursing homeeligibility ($2,000 in Illinois); and isotherwise eligible for benefits, but for thepenalty period.

The challenge for nearly all seniors willbe how to pay for care, once a penaltyperiod is triggered, if there is no money inthe senior’s name. The challenge fornursing homes and other care facilitieswill be how to have their bills paid for ifthe senior has no money and is unable to

qualify for government benefits becauseof a penalty period.

For example, in March 2010, Marytransferred $30,000 to son Bill. In June2010, Mary enters a nursing home, costing$3,000 per month. In January 2011, Maryruns out of money. Because Illinois plansto implement the new rules retroactivelyto Feb. 8, 2006, Mary will not qualify forbenefits until April 2012 — 10 monthsafter she has run out of money and 13months after the penalty period wouldhave expired under the old rules.

If the foregoing were not enough, thereis more to be disclosed, which will becovered in coming months.

In the meantime, it is criticallyimportant that you work with an elder lawattorney who knows how the new rules

will work, an elder law attorney who hasyears of experience helping familiesprotect themselves. While the DRA closedsome planning options for seniors, itopened up other planning options. Workwith a knowledgeable elder law attorneyand you will be able to protect your home,your farm and your life savings.

The important thing is to begin now.Don’t delay. Every day of delay could costyou and your loved ones dearly.

RICHARD HABIGER is an elder law attorneywho focuses on asset protection, Medicaidand VA benefits, Alzheimer’s and life careplanning, all in collaboration with a multi-disciplinary staff. You may contact him at618-549-4529 or [email protected].


Elder Law

BY RICHARD HABIGERSBJ CONTRIBUTOR

Habiger

ART SERVICESThe challenge for nearly all seniors will be how to pay for care, once a penalty period is triggered, if there isno money in the senior’s name. The challenge for nursing homes will be how to have their bills paid for if thesenior has no money and is unable to qualify for government benefits because of a penalty period.

New law threatens seniors

We are different.As you can see, men and women are

very different, both biologically andsocially, and that’s good. We aredifferent from the moment of biological

conception, and those differences arereinforced socially. It’s nature andnurture combined. Think how boringlife would be if we were all the same.The key to successful communication isto be aware of our differences andunderstand how to work with them.

JANE SANDERS is a speaker, trainer andfacilitator in the areas of gendercommunication, strategic business orwork/life planning, presentation skills,authentic leadership confidence,recruiting and retention of women andselling to women. She also facilitates

brainstorming, best practice andstrategic planning sessions and retreats.She can be reached toll free at 877-343-2150, [email protected] orwww.janesanders.com.

WORKPLACE: Social differences contribute to communication confusionFROM PAGE 7


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

Aug. 2Beginning Excel 2007: 8:30 a.m. to

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

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


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

Aug. 4Beginning Access 2007: 8:30 a.m. to


Aug. 5Beginning QuickBooks 2009: 8:30 a.m.

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

Aug. 6Microsoft Excel 2007 (Level 2):

8:30 a.m. to 3:30 p.m., Room K1134A,Shawnee Community College, 8364Shawnee College Road, Ullin. Cost is $55.Deadline to sign up is July 30. Lunch isprovided. Call 618-634-3254 or [email protected].

Aug. 10Beginning Access 2003: 8:30 a.m. to


Aug. 11Intermediate Access 2007: 8:30 a.m.

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

Time & Stress Management: 8:30 a.m.to 4 p.m., Room F109, John A. LoganCollege Center for Business & Industry,700 College Road, Carterville. Cost is$90. Call 618-985-2828, ext. 8510 or e-mail [email protected].

Aug. 12Intermediate Word 2007: 8:30 a.m. to

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

Intermediate 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].

Aug. 13Microsoft Word 2007 (Level 2):

8:30 a.m. to 3:30 p.m., Room K1134A,Shawnee Community College, 8364Shawnee College Road, Ullin. Cost is $55.Deadline to sign up is Aug. 6. Lunch isprovided. Call 618-634-3254 or [email protected].

Aug. 17Intermediate Excel 2007: 8:30 a.m. to


Aug. 18Intermediate Excel 2003: 8:30 a.m. to


Aug. 19Advanced QuickBooks 2009: 8:30 a.m.


Aug. 20Food Sanitation Refresher Course:

8:30 a.m. to 2:30 p.m., ShawneeCommunity College Anna ExtensionCenter, 1150 E. Vienna St., Anna. Cost is$45. Call 618-634-3254 or [email protected].

Aug. 24Advanced Excel 2007: 8:30 a.m. to


Seminar on Starting a Business inIllinois: 9 to 11 a.m., Room 150, Dunn-Richmond Economic Development Center,150 E. Pleasant Hill Road, Carbondale. An optional business start-up kit is

available for $15. Call 618-536-2424 ore-mail [email protected].

Aug. 24 and 26Microsoft Excel 2007 (Level 1): 6 to

9 p.m., Room K1134A, ShawneeCommunity College, 8364 ShawneeCollege Road, Ullin. Cost is $55. Deadlineto sign up is Aug. 17. Call 618-634-3254or e-mail [email protected].

Aug. 25Intermediate Access 2003: 8:30 a.m.


Aug. 26Visio 2007: 8:30 a.m. to 4 p.m., Room

F112, John A. Logan College Center forBusiness & Industry, 700 College Road,Carterville. Cost is $55. Call 618-985-2828, ext. 8510 or e-mail [email protected].

Starting a Small Business Workshop: 9 to 11 a.m., U of I Extension, 208 E.Main St., Vienna. Free. Call 618-634-3254 or e-mail [email protected].

Aug. 31Advanced Access 2007: 8:30 a.m. to



Feirich / Mager / Green / Ryan

Attorneys at LawProviding Business and Personal Legal Services to the Midwest

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

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Municipal Law

Administrative Law

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Real Estate Transactions

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http://www.fmgr.com


A background check or backgroundinvestigation is the process of looking upand compiling criminal records,commercial records and financialrecords.

Background checks are oftenrequested by employers on jobcandidates, especially on candidatesseeking a position that requires highsecurity or a position of trust, such as ina school, hospital, financial institution,airport and government. These checksare traditionally administered by privatecompanies, sometimes for as low as $8 ahire. Results of a background checktypically include past education andemployment verification, criminalhistory and drug screening.

A recent concern in hiring is thenationwide trend in the use of diplomamills. A diploma mill is a fictitiouseducational institution. It is a companyset up to appear as an educationalinstitution. For a nominal fee, anindividual can purchase an educationaldegree or certificate and receive itwithin two weeks. We have seencertified nursing degrees, bachelordegrees, master degrees and otheroccupational certificates. The followingare high profile examples:l In 2006, RadioShack was publicly

embarrassed after it was revealed thatthe company’s newly appointed CEODavid Edmondson had not earned theeducational credentials he claimed.l In 2002, Bausch & Lomb discovered

that its then CEO Ronald Zarrella didnot complete the degree he claimed fromNew York University’s Stern School ofBusiness.l In 2002, it was revealed that

Kenneth Lonchar, then CFO of VeritasSoftware, had not earned degrees heclaimed, including an MBA fromStanford University.l In 2003, the Department of

Homeland Security discovered that therésumé of Laura Callahan, associatedeputy of the Chief Information Office,

listed questionable degrees — abachelor’s, master’s and Ph.D. from thebogus Hamilton University.l In 2006, George Deutsch, a NASA

public affairs officer appointed byPresident George W. Bush, resignedwhen it was discovered he had notcompleted the bachelor’s degree heclaimed.

This trend is growing and issomething the National Association ofPublic Background Screeners and theSociety for Human ResourceManagement are working diligently tocombat and shut down with criminalproceedings. Diploma mills startingpopping up in the early 1990s. But,within the last five years, they havebecome a rising obstruction whenverifying educational degrees andcertificates. Ensure that your currentbackground vendor is aware of this issueand is effective in their due diligence.

If you are conducting educationverifications in-house, make sure theinstitution is part of the network ofcertified schools. Your backgroundvendor should have an updated list.With some research, you can find a listof known diploma mills with which

verification should be compared.However, be careful with legitimatenon-certified schools. Some schoolsmay not be certified, but are legitimateeducational institutions; many bibleschools are perfect examples. Carefullyreview the degrees, the schools (websitesand research blogs) and dates of thedegrees.

Here are some signs of educationalfraud:lDegrees can be earned in an

unusually short time (e.g., a bachelor’sdegree in a few months).l Accreditations are not recognized

by reputable organizations.l An unusually strong emphasis is

placed on earning credit for life or real-world experience.l Tuition is charged on a per degree

basis as opposed to credit hour, courseor semester.lDiscounts are offered for enrolling

in multiple programs.l Little or no admission criteria (such

as academic records) are required otherthan a valid credit card.lNames are deceptively similar to

legitimate, and often prestigious,educational institutions.

l Box numbers or suite addresses areused instead of physical addresses.l A sports program probably will not

exist.I received this spam e-mail recently.

It’s as easy as responding to an email.To: [email protected] YOU DESERVE IT! Is yourlack of a degree holding you back fromcareer advancement? Are you havingdifficulty finding employment in yourfield of interest because you don’t havethe paper to back it up – even thoughyou are qualified? If you are looking for afast and effective solution, we can help!Call us right now for your customizeddiploma.

If you are responsible for hiring, beaware and diligent. The safety of yourstaff and customers depend on it.

BRIAN D. CHAPMAN is the executivedirector of mbiworldwide.com of Herrinand Atlanta. He is a founding member ofthe National Association of ProfessionalBackground Services.Mbiworldwide.com was voted “BestCustomer Service” by the St. LouisSmall Business Monthly in October2009.

BY BRIAN D. CHAPMANSBJ CONTRIBUTOR

PersonnelP R O F I L E S | P R E V I E W S | H U M A N R E S O U R C E S

ART SERVICESBackground checks are often requested by employers on job candidates, especially on candidates seeking a position that requires high securityor a position of trust, such as in a school, hospital, financial institution, airport and government.

Background checks and diploma mills

Continental Tire receives safety award

Continental Tire in Mount Vernon hasreceived the Rubber ManufacturersAssociation Safety Improvement Awardfor 2010. The award is designated formanufacturing plants in the U.S. thatachieve an incidence rate that is both 10percent better than its rate in theprevious year, and the same or betterthan the RMA average incidence rate.

More than 100 plants from 28 RMAmember companies supplied data for theannual survey to determine the extent ofworkplace safety improvements.Continental Tire in Mount Vernon wasone of six tire sector companies to receivethis safety award.

Campbell receives CLF designation

Country Financial Agency ManagerRichard Campbell of Carterville hasearned the Chartered Leadership Fellowdesignation from The American Collegein Bryn Mawr, Pa.

The CLF program provides financialservices leaders with the knowledge andtools needed to recruit and retain topperformers, develop effective businessplans and set performance goals for theiremployees.

Campbell serves clients from his officeat 2702 17th St. in Marion.

WVZA named Radio Station of the Year

Withers Broadcasting radio station,105.1 WVZA, received top honors at the2010 Illinois Broadcasters AssociationSilver Dome Awards on June 16 inNormal.

IBA acknowledged WVZA as RadioStation of the Year in the medium marketsize at its annual convention and awardsceremony. WVZA consists of an adultcontemporary format and is the flagshipstation for the Saluki Sports Network.The station was recognized for itscommunity and client support in the pastyear.

In addition to being named station ofthe year, Withers BroadcastingProduction Director Matt Linsin earnedboth first and second place in thehumorous commercial category.

Davis elected vice chairman of IBA

Marty Davis has been elected vicechairman of the Illinois BankersAssociation for 2010-11. Davis ispresident and CEO of Murphy-Wall StateBank & Trust Company in Pinckneyville.

Davis was elected at IBA’s 119th annualConference and Trade Show.

He has 25 years of banking experienceand has been with Murphy-Wall StateBank for 13 years.

Illinois State Police receive three awards

The Illinois State Police received threeawards during the 2010 UniformedSafety Education Officer Workshoprecently in St Louis.

The workshop originally formed toshare programs that each agency haddeveloped and used to help educate thepublic in traffic safety matters. Thetopics vary from bicycle safety to DUIand all things in between.

Trooper Marla Tolliver from District12 and Trooper David Sneed fromDistrict 13 represented the state ofIllinois this year. Sneed said theexperience was informative.

Carbondale attorney receives Navy award

Lt. Commander Jonathan A. Mitchell,a Carbondale attorney, was awarded theRear Admiral Hugh H. Howell Jr. Awardof Excellence recently in San Diego, Calif.This award is presented annually to thetwo most outstanding junior officers inthe Navy JAG Reserves.

Mitchell is an associate with theCarbondale law firm of Feirich/Mager/Green/Ryan.

Vector Marketing opensCarbondale office

Vector Marketing recently has openeda new sales office at 206 W. College St.,Suite 4, in Carbondale. Dalton Riggins isbranch manager.

The Carbondale office will be used forthe recruitment and training of new salesrepresentatives as well as for teammeetings, where additional training andmentorship is provided. Sales

representatives market Vector’s product,CUTCO Cutlery, through in-homepresentations and use the sales office ashome base.

For more information, visitwww.vectormarketing.com or call 877-888-0314.

WTAO recognized by Illinois Army National Guard

A Withers Broadcasting Active RockRadio Station, 92.7 WTAO, was honoredby the Illinois Army National Guard atthe 2010 Illinois BroadcastersAssociation Silver Dome Awards on June 16 in Normal.

WTAO was awarded an IllinoisNational Guard minuteman statue for itscontributions in a medium market. Theminuteman statue is a symbol of theNational Guard soldier’s commitment toanswer the nation’s call on a moment’snotice.

In addition to WTAO being honored,Withers Broadcasting Company wasrecognized as the Illinois National GuardCompany of the Year for its support.

McBride named CorrectionalOfficer of the Year

Carol McBride recently was namedCorrectional Officer of the Year atPinckneyville Correctional Center.

McBride has been employed with theDepartment of Corrections since 1998 atthe Pinckneyville facility.

Healthy Woman program adds online benefit

The Healthy Woman program atCrossroads Community Hospital inMount Vernon has moved to a new onlineplatform. At www.healthywomanonline.com, new and existing memberscan register for upcoming events, readtimely health articles and exchangemessages with like-minded HealthyWoman friends.

Members also will have access to anaward-winning online health library thatincludes 12,000 adult and pediatrictopics in both English and Spanish.

All members receive “Healthy WomanToday,” a complimentary, monthly e-mail health newsletter. Anyone

interested in remaining or becoming afree Healthy Woman member will need tosign up for new membership and createan account atwww.healthywomanonline.com.

For more information, call 618-241-8510.

Herrin neurologist presentsVirtual Grand Rounds

Dr. Lori M. Guyton, a Herrinneurologist, recently was selected topresent Virtual Grand Rounds atGlaxoSmithKline headquarters’NeuroScience Training Center atResearch Triangle Park in NorthCarolina.

The Grand Rounds is one of thevehicles used to educate representativesregarding epilepsy throughout thecountry.

ACS recognizes Country Financial

Country Financial has been recognizedas a participant in the American CancerSociety’s 2010 Relay For Life NationalCorporate Team Program.

Country Financial joins less than 50other corporations and their half-millionemployees, who have raised nearly $19million through this program. Thecompany is a corporate sponsor of teamsthroughout Alaska, Arizona, Colorado,Illinois, Iowa, Minnesota, Nevada,Oregon and Washington.


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

Let the region knowHave you been promoted? Has a

colleague at work completed an inten-sive continuing education program?Others in the business community willwant to know it, so please considerpassing on your milestone employmentnews to the Southern Business Journal.

Feel free to email the information [email protected] or fax a writtenupdate to 618-457-2935.


http://www.thesouthern.com/business

ENHANCING GROWTH

& BUILDING PROSPERITY

The Southern Illinois University CarbondaleEconomic Development team is committed toour mission in southern Illinois focusing onthree key areas:

• Innovation• Community Engagement

• Entrepreneurship

SIUC is highly committed to accelerating research and supporting

innovation in the region through our Small Business Incubator program

and our Southern Illinois Research Park. Technical assistance

programs like Operation Mousetrap, business and information systems

class projects, and the new Green Meetings Initiative reach businesses

throughout southern Illinois. SIUC is also dedicated to advancing

healthcare through our Center for Rural Health and Community

Development Programs - assisting southern Illinoisans throughout the

region to be healthier and have greater access to new technology and

broadband connectivity. SIUC further supports the region’s

entrepreneurs through the Illinois Small Business Development Center,

Operation Bootstrap training, the Illinois Manufacturing Extension

Center, and CampCEO youth program.

WWWWWW..GGRROOWWSSII..CCOOMM

661188..445533..55004477

http://www.growsi.com


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

Building permitsCarbondaleHarbaugh’s Restaurant, 901 S. Illinois Ave.,

$18,000Home Rentals, 310 E. College St., $10,000Tim Parsons, 2012 Creekwood Drive, $90,000Greggory Karayiann’s, 624 E. Campus Drive,

$35,000Rolando Bravo, 220 S. Violet Lane, $5,000Susan Banning, 405 E. Emerald Lane, $16,000Scott Comparato, 48 Hillcrest Drive, $40,000Norman Boettcher, 308 E. College St., $500Linda Basler, 709 W. Pecan St., $500Edward Brunner, 1010 S. Oakland Ave.,

$28,000P. Vaught/O. Davis, 1130 N. New Era Road,

$4,500William Eaton, 506 W. Sycamore St., $5,000Patricia Diggle, 602 N. Bridge St., $4,000Saidath Alabi, 3003 W. Kent Drive, $24,000George Schlenk, 802 W. Schwartz St., $250David Brunaugh, 307 E. Chestnut St., $250James Greer, 805 N. Marion St., $500David Klaproth, 2902 W. Kent Drive, $250Gerald Compton, 2101 W. Meadow Lane,

$2,500Lasser Sorensen, 303 W. Willow St., $20,000Gary May, 1020 N. Oakland Ave., $22,000Prime Manor LLC, 26 Pine Lake Drive, $20,000Megan Garry, 808 W. Walnut St., $12,000William McCutchen, 1039 N. Wall St., $2,500Timothy Connet, 705 S. Taylor Drive, $250Lance Forsberg, 202 S. Brook Lane, $500

HerrinFredilu Toms, 909 N. 12th St., $2,600Kennan Adams, 816 Stoneybrook St., $10,000Southside Lumber, 1300 S. Park Ave., $50,000Adam Falknor, 211 Newman Drive, $13,000

MarionWilliamson County Board of Commissioners,

404 N. Van Buren St., $18,124,000Charles Joms, 1705 N. Fair St., $2,000Dan Reid, 108 S. Carbon St., $325,000Ray and Kristen Bayer, 1911 Julianne Drive,

$20,000Tim Barnett, 812 W. Prairie St., $130,000Wanda Shelton, 703 N. Hartkoph St., $2,500

Mount VernonBrent Felty, 2102 College St., $0SMGSH, 4001 Veterans Memorial Drive,

$110,000,000Applebee’s Restaurant, 4 Potomac Blvd., $0Tammy Murphy, 326 Caborn St., $4,000Nave Fireworks Inc., 401 10th St., $0

Security Finance, 4805 Broadway St., $4,440Title Cash, 4115 Broadway St., $4,473DMDC, 809 Main St., $0Greenwalt and Sons Construction, 909 Water

Tower Circle, $499,000Mark and Pam Flota, 1024 Birdie Drive,

$170,000Mark Morgan, 224 Casey Ave., $0Central Christian Church, 1126 North St., $0Amanda Crider, 601 Park Ave., $56,800Jeff. Co. Extension, 4618 Broadway St., $2,000Oak Grove Village, 26 Cottonwood St., $6,700Oak Grove Village, 16 Cottonwood St., $6,700Brady Moore, 611 13th St., $0Allen Barnard, 122 Rufus St., $6,000Jeff and Judy Osborn, 19192 Miller Lake Lane,

$174,000Mike Ellis, 2943 Brownsville Road, $0Meadowbrook Christian Church, 840

Meadowbrook Road, $13,000Beverly and Roy Pickett, 912 13th St., $0David P. Rakey, 14 Fairway Drive, $13,000Belton, 4121 Watertower Road, $4,500Sylvia Howard, 319 14th St., $0

MurphysboroMarion Eye Center, 1934 Walnut St., $4,800St. Andrews, 724 Mulberry St., $6,000Gerald Hartline, 1821 Division St., $3,000St. Joseph Memorial Hospital, 2 S. Hospital

Drive, $1,440,028Paul Rozelle, 1511 Roberta Drive, $1,300Wal-Mart, 6495 Country Club Road, $32,000Keith Roberts, 1021 N. 14th St., $800Charles and Patricia Georgeff, 2115 Wall St.,

$2,000Chancey Hickman, 18 Suburban Drive, $3,500Jeff Keener, 2107 Dewey St., $850Donald E. Grammer, 1014 N. 16th St., $3,500Gay Bachmann, 432 Winters Lane, $3,000Donald J. Keipp, 1925 Hortense St., $2,062Frank Coniglio, 708 North St., $3,000Jan Draper, 1519 Pine St., $18,000Debra Tindall, 1106 Steven Lane, $85,000Janice Hampton, 2036 Dewey St., $9,200Whistle Clean Car Wash, 1830 Walnut St.,

$9,000Harry Raines, 429 N. 12th St., $12,000Peter or Lisa Bernhardt, 2116 Walnut St.,

$9,000Star Enterprises, 807 Illinois Ave., $3,200Star Enterprises, 2004 Walnut St., $12,000

West FrankfortT.A. Pollack, 200 S. Taft, $39,500Barney Mack, 704 E. 8th St., $23,190Terry Williams, 1806 E. Garland, $4,000LaFiesta Restaurant, 1402 W. Main, $8,500

BankruptciesChapter 7Robert Forbes and Teresa Forbes, 1301 W.

Maple St., HerrinMerri Crespi, 7767 Parrish Circle, West

FrankfortHarry Melvin and Holly Melvin, 3208 W.

Lakeview St., MarionCarolyn Smith, P.O. Box 18, GorevilleKeith Adams, 606 N. Line St., Creal SpringsLisa Taylor, 1305 A. Karris Lane, MarionMichael Ford, 10890 Lick Creek Road,

BuncombeJanice Lestz, P.O. Box 88, DowellBarbara Fetch, 435 W. Allen Drive, BonnieMatthew Roberts and Carmela Roberts, 14860

Old Frankfort Road, MarionGarrett Harriman, 1103 Bryan St., P.O. Box 201,

TildenJason Via, 166 Quiet Lane, CarbondaleShawn Conner, 124 Walnut St., CartervilleRuth Carpenter, 1904 Edith St., MurphysboroCarole Frassato, 1005 Cedar Lane, MarionMichael Perry, 1400 Monroe, Apt. A, Johnston

CityJeffrey Kell and Tracey Kell, 7036 N. 1250

Blvd., Mount CarmelTeresa Hobbs, R. R. 1, Box 238A, GolcondaGregory Tindall and Vevia Tindall, 1005 Election

Circle, BentonSusan Burkhart, 2802 Mannen St., Mount

VernonSteven Apgar and Rebecca Apgar, 17248

Idlewood Road, Mount VernonRickie Campbell, 10611 Bessie Road, BentonCathi Van Brakle, 200 S. Locust St.,

McLeansboroPS and GR LLC, 5 Pine Place, PhiladelphiaGlassy Junction Inc., 5 Pine Place West,

PhiladelphiaCheryl Pelker, 8056 Steven Lane, Du QuoinGary Phelps, 407 E. Lincoln St., Apt 3, De SotoTimothy Weiss and Pamela Weiss, 13181 N.

2250 Blvd., AllendaleRobert Shaw, 10900 Village Grove Road, St.

LouisKay Rader, 620 Van Zant St., ChesterCraig McCarthy and Carolyn McCarthy, 511

Steven Drive, Red BudGiovani Delgado, 207 S. Hewitt St., CarbondaleRichard Hanks, 521 S. Fly Ave., GorevilleGregory Brown and Alicia Brown, 315 S. 13th

St., Mount VernonPaul Weinhold, 731 Bakersfield Road,

CarbondaleJason Nodeen, 150 Max Creek Lane, Vienna

Alfred Franklin and Evelyn Franklin, P.O. Box142, Buckner

Rachel Waldron, 1016 S. 12th St., HerrinEdward Bergeson, P.O. Box 2323, Mount VernonScott Moles and Laura Moles, Route 5, Box

281, John Stelle Road, McLeansboroNicholas Coffey and Alicia Coffey, 211 N.

Mulberry St., McLeansboroLillie Hobbs, P.O. Box 753, MurphysboroMark Farthing and Kelly Farthing, 800 S. 22nd

St., Mount VernonSarah Caldwell, P.O. Box 289, Creal SpringsPhillip Little and Shawna Little, P.O. Box 206,

Creal SpringsJack Huff and Billie Huff, 14596 Allen Road,

HerrinDonald Frassato, P.O. Box 155, MarionJoseph Miller and Patricia Miller, 714 S.

Webster St., HarrisburgSteven Heine and Kimberly Heine, 1206 Coral

St., Red BudDustin Kolweier and Amanda Kolweier, 7170

Kalmer Lane, Red BudJames Treece, 104 Holly Terrace, AnnaJessica Rios, 805 S. Division St., CartervilleAmber Rankin, R.R. 3, Box 433, FairfieldMichael Trotter and Elizabeth Trotter, 14741 E.

Bakerville Road, Mount VernonKenneth Davis and Mary Davis, P.O. Box 281,

TammsWarren White and Elizabeth White, 1514 Davis

Ave., Johnston CityRickey Mason and Nancy Mason, 308 W. Fifth

St., BlufordBetty Hoadley, P.O. Box 353, Carrier MillsGlenda Eubanks, 16972 E. Payton Road,

OpdykeJames Capps and Amy Capps, 20090 N.

Stratford Lane, Mount VernonMark Drennan and Susan Drennan, 7940 E.

Boyd Road, WoodlawnJohn Mahon, 518 N. Main St., GrayvilleDonald Person, P.O. Box 241, InaEric Butz, 9621 Houston Road, SpartaAkiya Harris, 723 W. Park St., Du QuoinRobert Messer and Sherry Messer, 309 N.

Sycamore St., ElkvilleRobert Rady and Vicki Rady, 107 S. Spillerton

Road, MarionCarol Mueller, 141 Pyatt Cutler Road, PercyGenevieve Patton, 141 Pyatt Cutler Road, PercyKevin Young, 524 W. Holmes St., ChesterRandall Stephenson, 1101 W. Main St., MarionRyan Vallett, 6588 Meadow Lake Drive,

SteelevilleRobert Meyer, 1006 N. Highland Ave., Marion

SEE FINE PRINT / PAGE 23


Benefit Amount — the maximum amountthat your LTC plan will pay per day forcare in a nursing home facility. You canchoose a DBA when you pay for your LTCcoverage, and you can also choose thelength of time that you may receive thefull DBA on a daily basis. The DBAtypically ranges from a few dozen dollarsto hundreds of dollars. Some of theseplans offer you inflation protection atenrollment, meaning that every few years,you will have the chance to buy additionalcoverage and get compounding so yourpool of money can grow.

The Medicare misconception. Too manypeople think Medicare will pick up thecost of long-term care. Medicare is notlong-term care insurance.

Medicare will only pay for the first 100days of nursing home care, and only if youare getting skilled care and you go into thenursing home right after a hospital stay ofat least three days. Medicare also coverslimited home visits for skilled care andsome hospice services for the terminallyill. That’s all.

Now, Medicaid can actually pay forlong-term care — if you are destitute. Areyou willing to wait until you are broke for away to fund long-term care? Of coursenot. LTC insurance provides a way to do it.

Why not look into this? You may have heard that LTC insurance isexpensive compared with some otherforms of policies. But the annualpremiums (about as much as you’d spendon a used car from the late 1990s) arenothing compared to real-world LTCcosts. Ask your insurance advisor orfinancial advisor about some of the LTCchoices you can explore.

While many Americans have life, healthand disability insurance, that’s not thesame thing as long-term care coverage.

SCOTT MCCLATCHEY is a founder and LPLFinancial Advisor with AllianceInvestment Planning Group, aCarbondale-based investment firm at 115S. Washington St. He can be reached at618-519-9344 or [email protected]. Securitiesoffered through LPL Financial, MemberFINRA/SIPC.

MONEY MATTERS: Long-term careFROM PAGE 10

http://www.mbiworldwide.com

http://oliverins.com/


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

Delora Bell, 207 S. Canterbury Drive,Carbondale

Mona Marks, 302 Sterling St., Creal SpringsKathryn Easton, 16989 Illinois 149,

MurphysboroTerri Fisher, 226 High St., Du QuoinMichaella Campbell, P.O. Box 115, AnnaErnest Bulin and Jennifer Bulin, 8363 N. 900

Blvd., Mount CarmelJustin Leffler, 14897 E. Loyola Road, Mount

VernonJo Ann Hathaway, R. R. 2, Box 37B,

ElizabethtownJames Bailey and Vickie Bailey, 527 Ash St.,

Mount CarmelOlivia Dalmasso, 1014 Pace Ave., Mount

VernonMelissa Johns, 611 E. Browning St., MarionJanet Wolff, P.O. Box 93, EvansvilleAdam Burk and Susan Burk, 729 Meadowbrook

Road, Mount VernonBrian Jones, 604 Third St., CarmiCarlos Del Rio, 20 Applecrest Drive,

CarbondaleBilly Colson, 12451 Saraville Road, MarionKenneth Mays and Linda Mays, 504 W. Monroe

St., Herrin

Chapter 13Billy Colson, 12451 Saraville Road, MarionKenneth Mays and Linda Mays, 504 W. Monroe

St., HerrinDonald Basenberg and Chelsea Basenberg,

P.O. Box 216, SesserLouis Davis, 716 W. Fifth St., Johnston CityJames Daily, 1117 Garfield St., EldoradoCorey Hunt, 6448 Minier Road, Benton

Bryan Klein and Tina Klein, P.O. Box 1035,Mount Vernon

Kimberly Rainbolt, P.O. Box 1237, ViennaGary Segretario and Barbara Segretario, 1400

Nagel Drive, MarionClinton Alton and Diana Alton, 2204 E. Elm St.,

West FrankfortSusan Roper, P.O. Box 49, HarrisburgTina Pennington, 1203 Durham Drive, Johnston

CityJeffrey Allen, 6102 Saline River Road, MarionLucy Drew, 7891 Drew Drive, CarbondaleJoel Heath, 2135 New Hope Road, BuncombeHerbert Arnold, 25232 Goldenrod Road,

TammsJudith Maloney, 624 S. Ledford St., HarrisburgDavid Clardy, 11511 Freedom Road, MarionJake Essen and Barbara Essen, 266 S.

Hoffman St., NashvilleWilliam Endsley and Jane Endsley, P.O. Box

345, HarrisburgGerald Craig and Vicki Craig, 19279 Galatia

Post Road, MarionDaniel Showalter and Cheri Showalter, 40

Kentucky St., PinckneyvilleCharles Juenger and Joyce Juenger, 4943

Kimmel Bridge Road, MurphysboroTimothy Crecelius, P.O. Box 171, UllinJulia Hines, 310 Lynda Drive, CarbondaleFrank Henry and Bonnie Henry, 602 S.

Wedgewood Lane, CarbondaleBrandon Hale, 626 N. 15th St., MurphysboroCarl Fritz, P.O. Box 35, PulaskiCarlton Mathews and Neala Mathews, 800 W.

Blue Ave., Creal SpringsRhonda Showmaker, 310 Poplar St., Mound

City

Cindy Peters, 303 Meadow St., RoyaltonMontgomery Bishop and Patsy Bishop, 85

Cedar Lane, Tunnel HillElizabeth Bebout, 301 Country Club Lane,

HarrisburgWilliam Dixon and Patricia Dixon, 217 S. 20th

St., MurphysboroLee Teel and Evelyn Teel, 318 N. Line St., Du

QuoinMary Caupert, 2408 Perkins Ave., Mount

VernonDeborah Davis, 698 N. Blanche St., MoundsTonita Brown, P.O. Box 762, CairoJohn Ditterline, 809 W. Pine St., HarrisburgKeith Francis and Joey Francis, 780 Harpertown

Lane, OzarkMichael Thomas and Mary Thomas, 201 S.

Olive St., CartervilleSheri Jones, 2111 Waltonville Road, Mount

VernonSheryl Maguin, 208 W. Lincoln St., DixTheresa Lowery, 15400 N. Heron Lane, BlufordJames Hodge, 205 Hibiscus Road, CoultervillePhilip Daniels and Lisa Daniels, 207 E. Yung

St., SesserRobert Sams and Cindy Sams, 23131 Pigeon

Roast Road, ThebesDavid Goins and Alice Goins, 910 Catherine

St., MetropolisRobert Collins, 5522 Stotlar Road, CartervilleLaura Irvin, 507 S. Aikman St., MarionBeverly Cooper, P.O. Box 56, CoultervilleAlonzo King, 1109 N. Seventh St., MurphysboroJames Knope and Amy Knope, 912 W. Stotlar

St., HerrinDouglas Harrel and Hollie Harrel, 2085 Birdwell

Road, Creal Springs

James Menckowski and Theresa Menckowski,3386 Sandpiper Road, Mulkeytown

Mark Elston, 1516 W. Monroe St., HerrinJames Beppler and Janet Beppler, 1810 S.

Ninth St., Mount VernonLee Lyell, 2050 Goreville Road, GorevilleKerry Halterman, 101 U.S. 45, CisneJeremy Dixon and Elizabeth Dixon, 217 S. 20th

St., MurphysboroTrevor Quick, 408 Pine St., WaltonvilleJohn Robey, P.O. Box 1394, BentonFloyd Danner and Linda Danner, 11 E. South

St., Du QuoinVanessa Fortman, P.O. Box 107, OrientDaniel Allen and Vicki Allen, 14899 N. 1900

Blvd., AllendaleKarla Mohr, 1127 Blakely St., BentonRobert Clinton and Margaretanne Clinton, 301

S. Grant St., PinckneyvilleAshley Wade, P.O. Box 434, IrvingtonRachel Abrams, 425 Robinson Circle,

CarbondaleJason Eddy, 126000 Nixville Road, Carrier MillsBarney Mitchell and Erin Mitchell, 89 S. Main

St., RaleighEdward Richardson and Jeanette Richardson,

1104 Poplar St., P.O. Box 287, WillisvilleWilliam Tate, 203 Gore Place, BentonTina Tate, 1413 N. Franklin Drive, BentonKelli Hall, 1026 Hunters Circle, BentonMichael Wurl and Lauren Wurl, P.O. Box 76,

Hurst


provides young people with alternatives tounemployment, low-paying jobs anddestructive life choices.

They’re perfect for itTake a close look at some of the world’s

top entrepreneurs and you will find thattoday’s young people have a lot of thesame characteristics. Spend more than acouple of minutes with our young peopleand you will see that they are overflowingwith creativity. What these young creative

minds dream up is their reality. Youngpeople are often brimming withconfidence and believe that they can doanything because they have yet to belimited by our adult constraints. Today’syouth also have amazing vision and cantell you (in detail) all about their goals,aspirations and what they believe theirfutures will look like — all of this whilemany of us might be trying to figure outwhat we will be doing next week.

Creating a different futureI often wonder how different things

would be if Bill Gates Sr. had discouragedhis technology-driven son when he andfriends started their first company,Traf-O-Data (a first attempt at writingsoftware for computer hardware).Teaching our young people aboutentrepreneurship represents the gift thatkeeps on giving and will provide themwith a skill that they can use for alifetime. Chinese philosopher Confuciussaid, “Give a man a fish and he will eat fora day. Teach a man to fish and he will eatfor a lifetime.” Now is the time to supportyouth entrepreneurship because thelatent talents of today could pay big

business dividends for the region in thefuture.

CAVANAUGH L. GRAY is director ofbusiness development for TheEntrepreneur Café, L.L.C. in Carbondale.He can be contacted at [email protected] or 618-206-7013. For moreinformation on how you or yourorganization can get involved with youthentrepreneurship or for ideas on how tostart, grow and succeed in small business,be sure to follow The Entrepreneur CaféL.L.C. on Twitter, www.twitter.com/TheECafe, or at www.ecafellc.com.

ENTREPRENEURSHIP: Is alive and well in Southern IllinoisFROM PAGE 4

http://www.thesouthern.com/business

http://www.siuecu.org/

sbj 08-01-10

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