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Protect and preserve

VIEWS: 30 PAGES: 16

									                                  Springfield

                   Business News
                                                                                                                                                   Wednesday, June 4, 2008




                                                                        Where local businesses keep in touch.


                              BEFORE                                                                     AFTER                                          The do’s and
                                                                                                                                                       don’ts of home
                                                                                                                                                         businesses
                                                                                                                                                       By KATHLEEN OSTRANDER
                                                                                                                                                       STAFF WRITER
                                                                                                                                                       kathleen.ostrander@sj-r.com

                                                                                                                                                          One-chair beauty salons, busi-
                                                                                                                                                       nesses where items are delivered
                                                                                                                                                       and then distributed — such as
                                                                                                                                                       Mary Kay Cosmetics or the Pam-
                                                                                                                                                       pered Chef and day-care centers
                                                                                                                                                       can be operated out of a home in a
    Photographs courtesy of Evans Disaster Restoration Services, Peerless Cleaning & Restoration Services, Servpro and Repair Masters’ Construction
                                                                                                                                                       residential district.
                                                                                                                                                          Joe Goodin, zoning administra-
                                                                                                                                                       tor for the city of Springfield, said



 Protect and preserve                                                                                                                                  the zoning ordinances got a major
                                                                                                                                                       overhaul in 1966. Some home-
                                                                                                                                                       based businesses may have been
                                                                                                                                                       ‘grandfathered’ or allowed to re-
                                                                                                                                                       main, but as a general rule of

When catastrophe strikes, it’s time to call a professional                                                                                             thumb, look to the municipal code
                                                                                                                                                       to see what is and is not a permit-
                                                                                                                                                       ted home business.
                                                                                                                                                          The city’s complete municipal
By KATHLEEN OSTRANDER                  Springfield area that aid in home        “We may get the call in the     someone to come and immedi-            code can be found at www.mu-
STAFF WRITER                           restoration are Evans Disaster        middle of the night or the next    ately start boarding up the            nicode.com
kathleen.ostrander@sj-r.com            Restoration Services, Peerless        day,” said Bob Krell, a division   area so the rain doesn’t contin-          Go to “online library” in the top
                                       Cleaning & Restoration Services       manager for Evans. “No mat-        ue to damage the house.                tabs, click on the state when the
   After a fire or flood, surround-    and Servpro.                          ter what time it is, the first     Homes damaged by fire also             map of the United States comes up
ed by sodden or charred and              Along with Repair Masters’          thing to do is to secure the       have to be secured,” said Dave         and then click on Springfield.
soaked personal items, the enor-       Construction, they board up,          building.”                         Marsh, president of Repair                Home occupations are listed in
mity of the cleanup can seem           pick up, clean up and if neces-          That usually means a call by    Masters’.                              section 155.045. Home occupa-
overwhelming.                          sary, dispose of items to help        the restoration company to Re-        Evans, Peerless, Servpro and        tions are to be registered with the
   What to do first?                   make homeowners whole                 pair Masters’ and they dispatch    similar companies, clean up the        zoning office.
   Experts involved in the physi-      again.                                someone to start right away.       damage from fires or water dam-           In addition to one-chair beauty
cal recovery in that type of situa-      The first call is to an insurance      “Insurance companies re-        age and they use Repair Masters’       and barber shops, these are also
tion all say the same thing: Time      agent or a claims specialist for      quire you to mitigate the dam-     to reconstruct the building but        permitted home occupations:
is not on your side and call a pro-    the insurance agency. The next        ages. That means if the top of
fessional.                             call involves mitigation of the       your house is ripped open and
   Three of the largest firms in the   damages.                              it’s raining — you have to get        See PRESERVE on page 6                        See HOME on page 8




Q&A                                                                                   Check scanning                                               Stimulus spending
Geoff Isringhausen joined Isringhausen                                                Remote remittance is the newest                              See how other Americans
Imports in 1984 and is now president                                                  technology for streamlining payment                          are spending their rebate
of the company.                                                                       processing.                                                  checks.
                                Page 4                                                                                           Page 8                                       Page 14
Page 2          Springfield, Illinois                       THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                   Wednesday, June 4, 2008




BusinessNews
       Springfield
                                                                          An adviser by any other
                              CONTENTS
Column: “What’s in a name?” . . . . . . . . . . . . . . . 2
                                                                          name still is an employee
                                                                          O
                                                                                   ne of the most fascinating                         the “FA trap” by     just ask how many financial
                                                                                   questions asked during                             asking three         plans they’ve developed in the
News Briefcase . . . . . . . . . . . . . . . . . . . . . . . . . . 3               my financial workshops                             questions: 1) Do     last year and how many clients
                                                                                   is, “What’s in a name?”                            you serve in a fi-   retain their financial planning
                                                                          This month’s column warns of                                duciary role over    services.
Q&A with Geoff Isringhausen . . . . . . . . . . . . . . . 4               three traps investors should avoid                          the management          AAMS designation, which
                                                                          and how to escape if you find                               of my assets? 2)     stands for Accredited Asset Man-
                                                                          yourself caught in the Name                    David        Do you assume        agement Specialist, can also be
County sheriff honored . . . . . . . . . . . . . . . . . . . . 5          Game.                                          Lisnek       discretionary        earned through the College of Fi-
                                                                                                                   trading authority over my invest-       nancial Planning by successfully
                                                                          Trap No. 1                               ments? And, 3) Do you provide           passing a test. The course covers
Trauma cleanup . . . . . . . . . . . . . . . . . . . . . . . . . . 7         Don’t be fooled by authoritative      comprehensive financial advice          the theory of asset allocation,
                                                                          sounding titles such as “Senior          beyond the scope of investment          which continues to be the buzz
                                                                          vice president” or “first vice presi-    recommendations that you can            phrase used in almost every client-
Remote remittance . . . . . . . . . . . . . . . . . . . . . . . 8
                                                                          dent.” The simple fact is a “VP”         broker? The fact is very few peo-       advisor relationship — the old
                                                                          designation on your financial advi-      ple in the industry can legally an-     “don’t put all your eggs in one bas-
                                                                          sor’s business card rarely indi-         swer yes to all three questions.        ket.”
                                     ▲




                                           Learn more on what
                                                                          cates any level of management            These are the fee-only advisors            The trap investors should avoid
                                        is and isn’t allowed if           control in the company. Most             and financial planners not typical-     is assuming their advisor has a
                                                                          often, VP is used to indicate the        ly associated with major Wall           functioning asset-management
                                        you want to run a home            level of commissions an individual       Street dealers.                         policy in place. All too often an
                                                                          generates for his employer — the                                                 advisor has hundreds of clients
                                                                                                                   Trap No. 3
                                        business . . . . . . . . 8        bigger the title, the bigger the                                                 with hundreds of portfolios that
                                                                          salesman.                                   Don’t assume that a plethora of      bear little resemblance to a man-
                                                                             You can escape and even avoid         abbreviations after a name indi-        aged approach, especially when
                                                                          the “VP trap” by asking three            cates any higher degree of safety.      dealing with individual stocks
Assumed businesses . . . . . . . . . . . . . . . . . . . . . 9            questions: 1) Is your title based on     In fact, many Wall Street firms         that come in and out of favor.
                                                                          revenue? 2) If so, how much rev-         have created their own special          Simply ask to see the investment
                                                                          enue? And, 3) What does your av-         designations to help their employ-      models they use and the perform-
Ribbon cuttings . . . . . . . . . . . . . . . . . . . . . . . . 10        erage customer pay you in com-           ees appear to be more competent.        ance history over the last five
                                                                          missions? Discovering these an-          I have chosen to disarm just two of     years.
                                                                          swers will help you better assess if     the many (and I mean many) “cre-           While both of these designa-
Teach Children to Save Day . . . . . . . . . . . . . . . . 11             you are in the right relationship.       dential traps.”                         tions are reputable (I don’t mean
                                                                          Remember, time is money, and                The CFP designation, which           to imply otherwise), just be aware
                                                                          the more money you generate for          stands for Certified Financial Plan-    that it does not mean that your ad-
Milestones . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13   a VP may increase the amount of          ner, still remains the most desir-      visor is acting in that capacity.
                                                                          time he is willing to invest with        able credential. It is earned by in-    There are still dozens of abbreviat-
                                                                          you.                                     dividuals who successfully study        ed credentials we could cover. I
Spending rebates . . . . . . . . . . . . . . . . . . . . . . . 14                                                  for and pass a comprehensive fi-        suggest you ask your present advi-
                                                                           Trap No. 2                              nancial exam. Once the designa-         sor what they stand for, how they
                                                                             Don’t assume that the title of “fi-   tion is earned, these individuals       earned them and if they are specif-
                                                                          nancial advisor” on a business           must complete additional hours of       ic to just their employer.
                      Contact us                                          card automatically implies objec-
                                                                          tive advice or financial planning.
                                                                                                                   continuing education every year
                                                                                                                   (and pay annual dues) in order to
                                                                                                                                                              Industry regulators have begun
                                                                                                                                                           cracking down on violations of the
                              Editor                                      The simple fact is a financial advi-     legally promote themselves as a         Name Game, especially those that
                John Moody, john.moody@sj-r.com                           sor title is a generic term adopted      CFP practitioner.                       suggest specialties in IRA
                                                                          by Wall Street several years ago to         The trap that investors should       rollovers, senior citizens and
               Designer/Copy Editor/Photographer                          mask the image that most stock-          avoid is assuming that a person         wealth management. Even the
           Erica Cusumano, erica.cusumano@sj-r.com                        brokers are commission-based             with a CFP designation is actual-       title of financial advisor is on the
                                                                          sales representatives of their em-       ly active in developing financial       chopping block as Wall Street be-
                              Writer
                                                                          ployers. Prior to this title, most       plans. You would be surprised at        gins to shift back to a more trans-
         Kathleen Ostrander, kathleen.ostrander@sj-r.com
                                                                          stockbrokers had titles such as          the number of stockbrokers who          parent and accountable form of in-
                                                                          “account executive,” “registered         have earned a CFP designation,          vestor disclosures and conflicts of
               MAIL:                                PHONE:                representative” or “investment           but do not yet provide financial        interest.
    The State Journal-Register                   (217) 747-1289           representative.” These names ob-         planning of any great signifi-
    Springfield Business News                                             viously are more indicative of           cance to their customers. They                David Lisnek is a professional
          P.O. Box 219                           TO ADVERTISE:            where the sales capacity is para-        simply maintain the designation            speaker, financial expert and the
    Springield, IL 62705-0219                Lisa Seaton, 788-1320        mount.                                   as a means to attract customers.          author of “How to Hire & Fire Your
                                              lisa.seaton@sj-r.com           You can escape and even avoid         If you want to avoid these people                        Financial Advisor.”
Wednesday, June 4, 2008                            THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                              Springfield, Illinois                       Page 3




NEWS
                                                                              nized by the Society of                Stockholders’ Meeting, the five-             ■ How to develop an inter-
                                       Staff Carpet’s Shaw                    Marketing Professional Services,       minute video emphasized the                view guide to target the correct
                                                                              St. Louis chapter, with two            company’s core values since its            skills, knowledge and attitude
                                       Design Center earns                    Archie awards.                         inception, capturing Hanson’s life         needed to build solid probing
                                                                                 Their entry, “Jeff Tatarek con-     story and his beliefs in starting the      skills
                                       Pinnacle Award                         tributes to U.S. efforts in Iraq,”     firm.                                        ■ How to take the “we” out of
BRIEFCASE                                 Staff Carpet, Springfield’s
                                       exclusive Shaw Design Center has
                                                                              received first place in the feature
                                                                              writing category, appearing in
                                                                                                                     Seminar slated
                                                                                                                                                                your candidate’s response and
                                                                                                                                                                turn it into an “I” with results that
                                       been given the Pinnacle Award          The Military Engineer;                                                            will truly help you assess their fit
                                                                              University of Illinois’ CEE maga-                                                 for the job
Chamber to honor
                                       having achieved the largest per-
                                       centage in overall growth for 2007.    zine; The State Journal-Register;      for human resource                           ■ Information and tools to
                                                                              Society of American Military                                                      assist you in successfully manag-
person of the year
                                          Shaw Industries acknowledges
                                       three Design Centers out of 165 in     Engineers, Rock Island Post            professionals                              ing the performance of your
                                       the country.                           Notes; Sacred Heart-Griffin’s             A seminar for human resource            employees
                                                                                                                                                                  ■ Mechanics of the perform-
at annual luncheon                        Categories are: Achievement of
                                       largest percentage overall growth,
                                                                              Vision newsletter; Hanson’s
                                                                              Insight publication; and on
                                                                                                                     professionals at all levels, supervi-
                                                                                                                     sors, managers, executive officers,        ance review process
   The Greater Springfield             largest increase in sales volume       WCFN–TV.                               office administrators and any indi-          ■ Why documentation of per-
Chamber of Commerce’s Small            and showroom of the — new                 The article highlighted             vidual with employee relations             formance is important
Business Person of the Year            store.                                 Hanson’s Jeff Tatarek, P.E., S.E.,     responsibilities is set for June 11          ■ How to tie the salary review
Committee will celebrate the              Staff Carpet was eligible for two   and his volunteer work to assist       from 9 a.m. to noon at the                 process to the performance review
accomplishments and successes of       of the three awards.                   deployed military engineers in         American Red Cross — Illinois              process
six nominees at the 23rd Annual                                               Iraq.                                  Capital Area Chapter                         Cost for the seminar is $20
Small Business Awards Luncheon                                                   The department also received                                                   per person for chamber mem-
at 11:30 a.m. on Tuesday, July 1,      Hanson’s marketing                     an honorable mention for their
                                                                                                                     1045 Outer Park Drive.
                                                                                                                        Attendees will learn:                   bers or $60 per person for non-
at the Crowne Plaza.                                                          video, “The Hanson Legacy,” a             ■ Do’s and don’ts of interview-         members.
   The Committee has canvassed         department honored                     one-time production piece featur-      ing                                          For more information call, 525-
the community in search of out-          Hanson Professional Services         ing company founder, Walter E.            ■ How to use effective behavior-        1173.
standing entrepreneurs and busi-       Inc.’s marketing communications        Hanson.                                based interviewing to get the right
ness advocates. For more informa-      department was recently recog-            Shown at the 2006 Annual            people on the bus                                Compiled by niche publications staff
tion, contact Sharon Theison at
the Chamber, 525-1173. Cost to
attend is $25 per person or $30
after June 17.


Corporate challenge
golf outing set for
July 10 at Piper Glen
   The 13th Annual Chamber
Corporate Cup Challenge Golf
Outing, presented by Health
Alliance, will be held on Thursday,
July 10 at Piper Glen Golf Club.
The Chamber is asking the local
business community to support
the golf outing by donating vari-
       ous items to award as
               prizes to our outing
                   participants.
                     Prizes of all
                      sizes are
                       appreciated.
                           The items
                        can be golf
                        related or
                        they could
                       be gift cer-
                      tificates,
                     office acces-
                  sories, or busi-
                ness promotional
           items. Donations will be
acknowledged in the Chamber’s e-
Update.
   To donate an item, contact Julie
Donohue at 525-1173 x216 or by
email at jdonohue@gscc.org.
Prizes can be dropped off at the
chamber office or arrangements
can be made to pick up the donat-
                                                                                                                                                                                                       636058
ed prize or prizes by Monday, July
7.
   Hole sponsorships and team
openings are also still available.                                    2008                                          July 11-13
For more information about the
outing, call 525-1173 or e-mail
info@gscc.org.
                                           SHOWCASE OF HOMES                                                         & 18-20
                                                                                                             Fri 4-8pm, Sat 10am-6pm,
                                             “HOME STYLES FOR OUR COMMUNITY”                                 Sun 12-5pm, Admission $7         www.springfieldareahba.com   www.viewshowcasehomes.com
Page 4       Springfield, Illinois                    THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                          Wednesday, June 4, 2008


                                                     B U S I N E S S                                 L E A D E R
Q&A with Geoff Isringhausen, president and co-owner of Isringhausen Imports
  Name                                                                                                              got home and told Rob the story          ment and meeting people from
  Geoff Isringhausen                                                                                                we went out looking for them.            all over the country as well as
                                                                                                                    We found them, and he broke              dealing with very fun cars. So,
  Title                                                                                                             the eggs they had over their             my career goals migrated from
  President, co-owner                                                                                               heads.                                   engineering to the auto business.
                                                                                                                                                             It has been a very satisfying ca-
   What is your hometown?                                                                                             What is your education?                reer choice.
   Born and raised in Spring-                                                                                         Bachelor of Science degree in
field                                                                                                               mechanical engineering from the             What were your previous jobs?
                                                                                                                    University of Illinois at Urbana-           Paper boy; Wabash Car
  Tell us about your family.                                                                                        Champaign.                               Wash; aluminum siding appli-
  Married to Jennifer for 23                                                                                                                                 cator for Eddy Hayes siding; a
years. We have three children:                                                                                         How did you select this career? ?     carpenter framing houses; elec-
Geoffrey, 22; Brittney, 19; and                                                                                        Studying engineering at               trician assistant; independent
Hayley, 15. Geoffrey will be a                                                                                      UIUC was a very gratifying al-           home repair and maintenance;
senior at California Baptist                                                                                        beit rigorous experience. I thor-        and Colonial Pipeline in At-
University in Riverside, Calif.                                                                                     oughly loved it and thought my           lanta.
Brittney will be a sophomore at                                                                                     career would be built around
Calvin College in Grand                                                                                             engineering after I graduated in            What is the best part of your
Rapids, Mich. Hayley will be a                                                                                      1982. I took a job with a                current job?
sophomore at Glenwood High                                                                                          pipeline company in Atlanta,                The most rewarding part of
School. The kids were raised                                                                                        Ga. I worked for them for a              my position is the opportunity
on Lake Springfield, and we                                                                                         couple of years, but did not find        to help people. Isringhausen
have all enjoyed our life near                                                                                      that the corporate world provid-         Imports has a team of employ-
the water.                                                                                                          ed the same satisfaction that            ees that have been together for
                                                                                                                    the academic engineering envi-           many years. Our environment
  How would family and friends                                                                                      ronment had.                             is like a family. I truly care for
describe you?
  s                                                                                                                    My brother, Rob, had started          the people who work here, and
  My kids would probably de-                                                                                        Isringhausen Imports in the fall         I believe they truly care about
scribe me as a little uptight. My                                                                                   of 1981 in a small building at           me. Our average tenure for em-
wife and friends would describe        Name a childhood hero.              was always there to look out for         11th and Stanford. He encour-            ployees is over 10 years. It is
me as easy going and compli-           My older brother, Rob, was          me if situations arose with con-         aged me to join him. I thought           very gratifying to see this
ant.                                 two years older than me, and he       flict that were over my head.            the cars were awesome. It looked         group of employees provide
                                                                           Once when I was trick or treat-          like it could be fun. So, I joined       fabulous experiences for our
                                                                           ing with a friend, some guys             him in January of 1984. I really         customers. Our customers rate
                                                                           were bullying us around. When I          enjoyed the business environ-            their experiences with us in the
  No other salon                                                                                                                                             very top tier of dealerships in
  in Springfield has tanning                                                                                                                                 the entire country. We have re-
                                                                                                              2008                                           ceived numerous awards for
  beds like the beds you’ll                                                                                                                                  our level of customer care. It is

  find at Exotic Tanning...                                                  SHOWCASE OF HOMES                                                               very rewarding to find people
                                                                                                                                                             pleased with what we have to
                                                                              “HOME STYLES FOR OUR COMMUNITY”                                                offer.

                                                                                                July 11-13 & 18-20                                             What is the worst part of your
                                                                                                                       Fri 4-8pm, Sat 10am-6pm,              current job?
                                                                                                                       Sun 12-5pm, Admission $7                There are really no inherently
                                                                                                                                                             bad parts of my job. I love the
                                                                                                                            Featuring Homes by:
                                                                                                                                                             people who work here, the peo-
                                                                                                                            • All-C Construction
                                                                                                                            • Brady Homes                    ple we serve and the community
                                                                                                                            • Evers Construction             we work in. I also love the prod-
                                                                                                                            • JNC, Inc.                      ucts we offer. The worst and
                                 Call for info on our                               Contact SAHBA at                        • Moughan Bldrs., Inc.           most challenging part of my ca-
                                 special tanning packages!                          (217) 698-4941                          • Roth Homes, Inc.               reer here was the loss of my
                                    525-TANN (8266)                                                                         • Zinn Construction LLC          brother, partner and best friend
                                         425 E. Washington                                                                                                   on January 14, 2006. This created
                                            Springfield                                                                                                      professional and personal trials
                                     www.exotictanninginc.com                                                                                                on many fronts.

    Bring in this ad for a FREE TAN!                                             www.springfieldareahba.com         www.viewshowcasehomes.com
                       (First time customers only)                          Take Veterans and go west along Spaulding Orchard Rd., head north on Cockrell.              See Q&A on page 5
                                                                  636056
Wednesday, June 4, 2008                               THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                           Springfield, Illinois                     Page 5



Q&A                                                                                                                                      Sangamon County deputy sheriff
                                         on a problem until it is solved to            ble in automobile racing.
                                         the customer’s satisfaction. I wish
                                         some of those people could bene-                 Name something you can’t live                  Wes Barr receives leadership award
■ From page 4                            fit from what we have to offer                without.                                              Sangamon County                                German, Cowdrey & Ger-
                                         today.                                           I think I could learn to live with-            deputy sheriff Wes Barr,                           man dESIGNED aRCHI-
  What talents do you bring?                                                           out almost anything except my                     the man behind the                                 TECTURE; Randy Helms,
  Engineering taught me to be               If you were 21 and graduating
                                             f                                         family and Christian faith —                      Toys for Tots program,                             AIG American General;
                                                                                                                                         is the recipient of the                            Ross Hewitt, RSM
good problem solver. Time and            from college what field would you             which keeps me pointed in the
                                                                                                                                         Leadership Springfield                             McGladrey; Michael
experience have taught me to stay        pursue today?                                 right direction when confronted                   Distinguished Alumni                               Horstman, Sorling,
calm when difficult situations de-          We have something unique in                with moral or ethical choices. Not                Award. This award is                               Northrup, Hanna, Cullen &
velop.                                   the car business, and I have thor-            that I always make the best choic-                presented to an alum               Barr            Cochran, LTD; Samuel
                                         oughly enjoyed being a part of it.            es, but the Bible is a guide to help              whose achievements in                              Jackson, Samuel Jackson
   How’s business?                                                                                                                       business and in the community re-         Consulting; Brenda Kochmann,
                                         But, I am not sure that what we               me gauge my direction. My wife is
                                                                                                                                         veal prominent leadership skills.         Hanson Professional Services,
   Business is very good. We con-        have built could be duplicated.               my greatest supporter and encour-                     Leadership Springfield is an          Inc.; Ron Lanton, H D. Smith; Rae
tinue to steadily grow due to the        Math, physics and engineering are             ager. She helps me stay motivated                 eight-month series of seminars            Long, Sangamon County Medical
customer care provided by long-          so mentally stimulating that I                and striving for constant improve-                in which participants gain lead-          Society; Amanda Lundeen, Giffin,
term competent employees.                would probably go that direction              ment. I wouldn’t be close to where                ership skills and in-depth expo-          Winning, Cohen & Bodewes, P.C.;
                                                                                                                                         sure to critical issues affecting         Andrew Paoni, Sikich Cozad Asset
                                         again. I still enjoy learning how             I am today without her.
                                                                                                                                         the Springfield area.                     Management, LLC; Nicole Ralph,
   Tell us about your first big suc-     things work.                                                                                        Leadership Springfield Class of       Lincoln Land Community College;
cess in business? ?                                                                      What are you currently read-
                                                                                            h                                            2008: Morgan Beck, Security               Alicia Rawlings, Standard Mutual
   Our first big success was get-          What is your favorite way to un-            ing?                                              Bank; Kyle Belz, American Red             Insurance Company; Barbara
ting a Saab franchise in 1985. Our       wind from work?                                 “Physics for the Rest of Us” and                Cross, Illinois Capital Area Chap-        Rowe, Junior League of Spring-
                                                                                                                                         ter; Lisa Bernet, Kerber, Eck &           field, Inc.; Farah Salim, Children’s
biggest success in business was            Running.                                    “The Shack,” a book about an en-
                                                                                                                                         Braeckel LLP; Douglas Blade, In-          Miracle Network at St. John’s
when were able to consolidate our                                                      counter a guy has with God.                       ternal Revenue Service; Haylee            Children’s Hospital; Sarah Tap-
Decatur and Springfield opera-             What is your favorite vacation
                                                            o                                                                            Bobell, Bank of Springfield;              scott, United Way of Central Illi-
tions into one location here in          spot? Why?                                      What is your favorite quote?                    George Cain, Crawford, Murphy             nois, Inc.; Kyle Tarr, Habitat for
Springfield with the three brands          Several places in Colorado. I                 An Abraham Lincoln quote on a                   & Tilly, Inc.; Michael Cowles, The        Humanity of Sangamon County;
                                                                                                                                         Horace Mann Companies; Judy               Jill Toepfer, SIU School of Medi-
— Mercedes-Benz, BMW and                 love the mountains in summer                  bench in Lincoln Memorial Gar-
                                                                                                                                         Donath, Senior Services of Central        cine; Mac Warren, Lincoln Land
Porsche — that we are most im-           and winter for the recreational op-           den that I often run by: “To ease                 Illinois, Inc.; Dr. Kevin Floyd and       Community College; Nzinga West,
passioned about.                         portunities and natural beauty.               another’s heartache is to forget                  Kevin C. Floyd, DDS, Ltd.; Andrea         YWCA of Springfield; and Ryan
                                                                                       one’s own.”                                       Fry, Bank of Springfield; Roger           Wolfe, Marine Bank.
  What is the best advice you re-          What do you do for fun?
ceived from a mentor?                      Off-road motorcycle racing,                   How would you like to be re-
  My greatest mentor growing up          snow skiing, boating, tennis, run-            membered?
                                                                                            b
was my father. A wise man, who           ning, mountain and road biking,                 As an approachable leader who
pointed me to my Christian faith,        and recently have started to dab-             cared about other people.
which has become the root of my                                                                                                               We may be new to the area, but we have
commitment to integrity in busi-
ness dealings. Keep your word
and make sure people get what
                                         From the Heart of the Amish Country                                                                   100 years of financial expertise.
they bargain for.

                                                              Ge
                                                                t yo
                                                                    ur b est deal
                                                                                  at                                                     knowledge
                                                              IN ETL A N
   What is your biggest pet peeve?                                                                                                       For more than 100 years
   When people take hours of a
                                                            B
                                              CA✯ Star -Spangled ✯ D
salesperson’s time and discount
the value of that time and expert-
ise to zero by purchasing out of
town without giving the salesper-                                                                                                        service
                                                    ✯Summer Sale✯
son the courtesy of a call back.

   Tell us about a particularly diffi-
cult business lesson and what you
learned from the experience.
   In the infancy of our company
                                                               FINAL CLOSEOUT
                                                                                   PLUS
                                                                                                                                         expertise
we only sold pre-owned cars. We                                Raised Panel Maple
had no manufacturer support.                                        Cabinets
Several people around Springfield
                                                                                                                                           Alan W. Josephson –
purchased cars that later devel-                                                                                                         Daniel Griminger, CFP®
oped technical problems that we                                          GUARANTEED
                                                                        LOWEST PRICES                                                          Sherry Tucker
could not correct. We did not have                                      On Schrock Cabinets
the experience, capital or manu-                                          In The Midwest!                                                       Jan Hudson
facturer support to solve the prob-                     Should Your Home Have Anything Less!!
lem. I know there are a few people
around town today who will not                                             Cabinetland of Springfield
                                                                               4340 Peoria Rd. at Dirksen Parkway
buy a car from us because of a                 www.cabinetland.net or
bad experience at that time. I have             info@cabinetland.net                  523-7253
                                                                                                                                                                                                                     635905




                                                                                                                                                         Headquartered in St. Louis, Missouri
                                                                                                                                636327




since learned to continue working                                               “Illinois’ Largest Schrock Distributor” *MSRP
Page 6          Springfield, Illinois                       THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                                    Wednesday, June 4, 2008


PRESERVE                                                                BEFORE
                                                                                                                                   Know your policy’s limits
                                           favorite toy that he                                     “We want people
                                           or she can’t be                                       to come and look at
■ From page 1                              without, Garner                                       their furniture
                                           said. Or it could be                                  under bright lights                A basic homeowner’s policy covers most of the problems a resident
also to make sure every bit of             high school football                                  before we take it               may have, but extra coverage is needed for earthquake and flood dam-
water or fire damage to the struc-         uniforms or a fa-                                     back to make sure               age.
ture is repaired.                          vorite blanket,                                       everything is                      Insurance professionals caution those buying policies to make sure an
   Soot is acidic; the longer it sits on   Nave said.                                            cleaned to their sat-           extra endorsement — which details the extra coverage — is added to a
an item, the more damage it does,             Those items are                                    isfaction.”                     policy to ensure total coverage.
said Todd Garner of Peerless.              cleaned immediate-                                       Household items,                If a home is damaged by fire, that is normally covered under a home-
                                                                                                                                 owner’s policy, said Bonnie Kruger of American Family Insurance. Like-
   The longer water sits on a rug          ly and then dropped                                   using a variety of
                                                                                                                                 wise, wind damage and hail damage, referred to as “weather perils” by
                                                                         AFTER
or against a wall, explained Dutch         off at the hotel or                                   processes, are
                                                                                                                                 some insurance policies, are covered, explained Missy Lundberg, a
Nave of Servpro, the more the              wherever the resi-                                   cleaned and re-                  spokesperson for State Farm Insurance.
water works itself up into the walls       dents have gone.                                      packed. In the event               So if the wind rips a house roof off, that’s usually covered, Lundberg
and beyond, under the rug and                 Soot is acidic and                                 something is dam-               said, but if a tree falls on the roof, it will depend on the policy.
into areas where it’s not visible,         will do further dam-                                  aged beyond what                   After the most recent earthquake, agents got lots of calls. Kruger said
but it’s still doing a lot of damage.      age to an item if it                                  an insurance com-               her office fielded numerous calls from Springfield area residents wanting
   The restoration company will            isn’t wiped off.                                      pany would pay for,             to know about earthquake coverage.
pack up the household items and               Employees of the                                   the homeowner has                  There is a moratorium on allowing people to get earthquake insurance
take them offsite to clean while           restoration compa-                                    several choices.                right after an earthquake. If a person’s home is within 100 miles of what
the house is being restored.               nies begin sorting                                       “There’s a deci-             is classified as the epicenter, they can’t get earthquake insurance for 30
                                                                                                                                 days, said Lundberg.
   “If it’s a small job, we can work       through items in the                                  sion to make. If it’s
                                                                                                                                    Kroger said many people, after the last quake, decided they wanted in-
around the items — like a kitchen          house, wiping them                                    an item that can be
                                                                                                                                 surance and more than two dozen called the day the moratorium was lift-
fire where walls have to be cleaned        off in some cases, slapping a bar     purchased new, people decide on                 ed to add that insurance.
and items wiped down,” Nave said.          code on them and packing them up.     that,” Garner explained.                           Earthquake insurance varies with the type of home, for example brick
But larger jobs mean the contents             “The bar code means we can           “If it’s something that can’t be              versus wood. It costs more to insure a brick home because it usually
of the house are packed up and             track them through the process,”      replaced, it may be worth it for the            costs more to rebuild a brick home, Kruger said.
taken to the restoration company’s         Krell said. “That way a person can    homeowner to have it repaired.”                    Lundberg said a lot of people farther out from the epicenter may have
warehouses.                                call up and say, ‘Hey, we need          If the repair value exceeds the               had damage, but they didn’t file claims. “You have to look at the de-
   All of the companies do an ini-         this’ or ‘Did you pick this up?’”     value of the item, Krell said,                  ductible; the cost of filling a crack off of the foundation doesn’t warrant fil-
tial emergency walk-through                   Then it’s off to the warehouses.   homeowners have the option of                   ing a claim if it’s less then the deductible,” she said.
where items needed immediately             In the case of Evans, the items are   paying the difference that the in-                 It is a myth that insurance companies offer termite insurance, said
                                                                                                                                 both Kruger and Lundberg.
are collected.                             taken out, cleaned and then set up    surance company won’t pick up.
                                                                                                                                    “That’s a common-sense thing. People are expected to take care of
   That would be changes of cloth-         so homeowners can look at them          While clothes and other items
                                                                                                                                 their house and that means checking for termite infestation if that seems
ing. But it could also be a child’s        before they are taken back.           may be cleaned on an emergency                  to be a problem.”
                                                                                                                                    Water damage claims fall into two areas. Damage in a home from a




   DADS
                                                                                                                                 sewer backup or the failure of a sump pump is covered under an en-
                                                                                                                                 dorsement to the original homeowner’s policy.
                                                                                                                                    Flood damage is a separate policy, said Lundberg. “If your home is lo-
                                                                                                                                 cated on a floodplain, your agent will usually suggest flood insurance.
                                                                                                                                 The federal government offers the insurance, but it is administered and
                                                                                                                                 the policy is written by a local agent.”

            DESERVE
                                                                                                                                    Kroger said there are different degrees of insurance depending on




            BEST
                                                                                                                                 where in the flood zone a home may be located and it also depends on
                                                                                                                                 the construction of the home and even whether the home is a two- or
                                                                                                                                 three-story dwelling.

  THE                                                                                                                               When in doubt, they said, ask if a situation is covered when getting
                                                                                                                                 homeowner’s insurance. Don’t assume every event is automatically cov-
                                                                                                                                 ered.

              Show Dad how much you                                                                                                                                                     — Kathleen Ostrander
            appreciate all that he’s done
                     for you with a suit
                        by Austin Reed.                                                                                       basis, Nave said if homeowners go           ther fire or water, and they talk
                                                                                                                              immediately into a rental unit, that        about what will be repaired first
                                                                                                                              may mean living room and bed-               and that’s the order in which the
                                                                                                                              room sets are needed immediately.           cleaning is done.
                                                                                                                                In that case, they are cleaned               “If water sits on something,
                                                                                                                              and dropped off. If homeowners              you’re going to get mold and if a
                                                                                                                              want all their furnishings moved            home damaged by fire sits, it’s
                                                                                                                              back at once, the companies store           harder to clean,” Marsh said.
                                                                                                                              them until the job is finished.                “The best thing you can do is to
                                                                                                                                The restoration companies                 get working on it right away.”
                                                                                                                              work as a team with the firm that              Water turns to steam as it hits a
          Monday - Friday 9:30am - 5:30pm                                                                                     does reconstruction. Marsh said
            Saturday 9:30am - 3:30pm                                                                                          he is in on the original walk-
  7th & Adams • 753-8036 • jimherronltd.com                                                                                   through of a home damaged by ei-                 See PRESERVE on page 7
                                                                                                                     636184
Wednesday, June 4, 2008                               THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                       Springfield, Illinois               Page 7



PRESERVE                                                       BEFORE                                               AFTER                                    Garner and Marsh said the
                                                                                                                                                         initial visit to a home turns
                                                                                                                                                         everyone into a trauma coun-
■ From page 6                                                                                                                                            selor.
                                                                                                                                                             “I’ve had people cry on my
fire. Steam opens the pores in                                                                                                                           shoulder and you just have to tell
wood, wooden items, plaster and                                                                                                                          them that they will get through it,”
even granite.                                                                                                                                            Marsh said.
   As it cools, Marsh said, the                                                                                                                              “Sometimes you have to use a
pores close and trap the smoke                                                                                                                           little humor and tell them it’s a
molecules in a surface.                                                                                                                                  bad way to get a really nice re-
   Closed closet doors and                                                                                                                               model.”
closed cabinets don’t stop the                                                                                                                               “We know when we are out at a
steam, so items not immediately                                                                                                                          job initially that there is no way
subjected to a fire will still be                                                                                                                        anyone is going to remember
damaged.                                                                                                                                                 what we tell them,” Garner said. “I
   Companies such as Repair Mas-                                                                                                                         know we are going to have to re-
ter’s check and re-check for                                                                                                                             peat things and explain things a
residue smoke as well as mold                                                                                                                            couple of times and that’s no
when they are on the job.                                                                                                                                problem if it makes people feel
   Carpets that have stain barriers,                                                                                                                     better.”
such as those used to prevent pet                                                                                                                            “It is gratifying to put peo-
urine from going into a rug pad,                                                                                                                         ple’s home back together,” Krell
also prevent easy drying, Krell                                                                                                                          said.
said.                                                                                                                                                        “We may not be able to bring
   That moisture ‘wicks’ up into         is probably not doing the trick,”     days of drying — past when           also emotional damage.               back an entire priceless photo-
the walls, and in some cases, into       Nave said.                            someone thinks everything is            “You see the homeowners and       graph, but we clean up what we
the insulation where it starts to           “The water goes into a lot         dry, to really get it back to nor-   they are crying and distraught.      can and bring it back not smelling
mildew and mold.                         more places then you realize.         mal.”                                They just want things back to nor-   of smoke or mold. People really
   “That little house fan you bring      Depending on the structure, it          Fire or water damage creates       mal, to be able to do that is very   appreciate it and know we’ve done
in to dry a rug after water damage       may take three or four more           not only physical wreckage, but      gratifying,” Krell said.             our best for them.”




   Dealing with home trauma cleanup
      Sometimes the unthinkable can      tized.
   happen. A loved one commits sui-         If they have to be taken offsite
   cide in a home, someone dies and      for cleaning, that is also done,
   the death isn’t discovered immedi-    said Todd Garner of Peerless. If
   ately or someone dies in a home       the families want items taken and
   as a result of a crime.               disposed of instead of being
      Several restoration compa-         cleaned, that is also handled,
   nies in the Springfield area han-     Krell said.
   dle what they call trauma                Because body fluids seep into
   cleanup.                              wood and into carpeting, those
      Evans Disaster Restoration         materials have to be cut out and
   Services, Peerless Cleaning and       replaced.
   Restoration Services and Servpro         One of the companies used to
   have employees trained to clean       match paneling, wainscoting or
   up what is considered a biohazard     put a room back together is Re-
   situation.                            pair Masters’ Construction. Dave
      “Employees that clean up after     Marsh of Repair Masters’ said it’s
   a trauma incident wear full biohaz-   not a particularly appealing aspect
   ard gear including respirators,”      of the job, but people need their
   said Bob Krell, division manager      home or a home set right to get
   for Evans. Servpro and Peerless       past what is a devastating event in
   have similar teams.                   their life.
      While no one wants to talk            “Some people think they will get
   about needing that type of            past it if the physical evidence is
   cleanup, it needs to be done, ac-     gone,” Marsh said. “But the sad
   knowledged Dutch Nave of              fact is most people don’t get past
   Servpro.                              that and they end up moving from
      “We do it as efficiently and as    the home.”
   quickly as possible,” he said.
      Items are cleaned and sani-                    — Kathleen Ostrander                                                                                                               636021
Page 8          Springfield, Illinois                      THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                            Wednesday, June 4, 2008



New payment option offered
By KATHLEEN OSTRANDER                                                          the information on a check and
STAFF WRITER                                                                   gives whoever is operating the
kathleen.ostrander@sj-r.com                                                    system the option of accepting
                                                                               the payment if it doesn’t match
   Illinois National Bank has                                                  the bill — or rejecting it.
added remote remittance in addi-                                                  Phalen gave the example of a
tion to remote deposit capture.         said Sarah Phalen, senior vice         customer paying a bill who has
   The services allow remote            president at INB. Utilities, cable     already paid some on the out-
banking that cuts down on pa-           companies, medical services can        standing balance, but that pay-
perwork at the participating            all benefit from remittance cap-       ment may not be credited. The
businesses as well as at the            ture.                                  scanner does read handwriting,
bank.                                      It also is useful for businesses    said Gihl, so it eliminates manual
   “It’s just another way to get        that bill from several different lo-   data entry.
your money working quicker for          cations because the checks and            “It also will give whoever is
you,” said Lisa Ellis, director of      bills can be scanned in from all       using the scanner the option of
marketing for INB.                      the locations and they will dump       rejecting a payment if it has al-
   Currently INB is the only area       into a central account which then      ready been credited before so it
bank that has remote remit-             balances and gives a bottom line       prevents duplication,” Gihl
tance.                                  figure.                                added.
   Remote remittance allows                The information from the               The system can be pro-
businesses to scan in a check           checks and the bills can go in a       grammed to reject checks over a
received as a payment and im-           data base, adds Tom Gihl, a sen-       certain amount or under a certain
mediately have the payment              ior vice president at INB.             amount.
credited to their account “So if           The data can be compiled in a          “There is an initial time where
you are a business that has             report that has the businesses’        the software is being installed
monthly billing and have to key         logo and other information on it       that is a down time,” Gihl said,
in a lot of data this is perfect,”      for corporate reporting purpos-        “but after that, it can scan as fast
Ellis said.                             es.                                    as a person can put through the                 A one-chair beauty salon can be operated from the home,
   It’s a perfect service for cus-         The scanner, which is about         check and the bill — it’s a great               according to Springfield’s municipal code.
tomers that send out regular bills,     the size of a toaster, also “reads”    labor saver.”

                                                                                                                               HOME
                                                                                                                                                                    the outside storage of materials
                                                                                                                                                                    and storage of materials inside the
                                                                                                                                                                    residence for the business cannot
Sparc golf outing this Friday at Piper Glen                                                                                    ■ From page 1                        exceed 25 square feet.
                                                                                                                                                                       A sign identifying the home
  The Mike Ference Scramble               The best ball scramble starts        to 7:30 p.m.                                       ■ Tutoring, but no more than      business may not be illuminated
for Sparc is Friday at Piper Glen       with registration, lunch and a            Entry fee per golfer is $100 and             eight students per day and no        and it should not exceed the size
Golf Club. The tournament hon-          putting contest at 11 a.m. Shot-       $385 per foursome. For more in-                 electronic amplification of sound.   of two square feet.
ors the memory of Ference, who          gun start is at 12:30 p.m., fol-       formation, call Steve Bridge at                    ■ Mail-order operations.             A home business should not
worked in banking and was a             lowed by cocktails, dinner,            793-2100, ext. 167 or Kristy Mar-
                                                                                                                                  ■ Home crafts for offsite sale.   cause any additional noise, vibra-
champion for the disabled.              awards and drawings from 5:30          tin, ext. 151.
                                                                                                                                  ■ Telephone sales.                tion, light, odor, dust, fumes,
                                                                                                                                  ■ Home and health-care prod-      smoke, traffic, or other conditions
                                                                                                                               ucts for offsite sale such as Mary   that can be heard or detected out-
                                                                                                                               Kay, Avon, Pampered Chef or          side the residence.
                                                                                                                               Amway.                                  To be classified as a home busi-
                                                                                                                                  ■ Independent contractors as      ness, whatever it is, it should not
                                                                                                                               long as there is no storage of       take up more than 200 square feet
                                                                                                                               equipment involved.                  inside the home and that includes
                                                                                                                                  ■ Authors/writers.                storage of materials or products.
                                                                                                                                  ■ Composers.                         If the business involves cus-
                                                                                                                                  There are restrictions on home    tomers coming to a home, there
                                                                                                                               businesses to make sure they         should be no more than eight cus-
                                                                                                                               don’t have an adverse impact on      tomers visiting the residence in
                                                                                                                               neighborhoods.                       one day. The hours of operation
                                                                                                                                  According to the ordinance,       for a home business, if it involves
                                                                                                                               there should be no alteration of     clients or customers, is limited to
                                                                                                                               the outside appearance of a home     7 a.m. to 8 p.m.
                                                                                                                               as a result of the home business.       A family day-care operation,
                                                                                                                               Whatever business it is, the ma-     Goodin said, has guidelines listed
                                                                                                                               jority of the residence should be    under 155.016 of the municipal
                                                                                                                               used as a ‘home’ rather than a       code. Most home day-care opera-
                                                                                                                               business.                            tions would mean up to 12 chil-
                                                                                                                                  The home business cannot in-      dren operating during the hours of
                                                                                                                      636020




                                                                                                                               volve anything that may include      6 a.m. to 11 p.m.
Wednesday, June 4, 2008                                           THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                                     Springfield, Illinois                         Page 9



              A S S U M E D
            B U S I N E S S E S                                                                               Identity theft can happen you...
                                                                                                            Identity theft can happen toto you...
                  Business names registered with the
                Sangamon County Clerk’s office in May.
                                                                                                                           anytime
                                                                                                                            anytime
                                                                                                            COUNTRY€ offers Identity Theft and Advocacy Service coverage on our home
Home Bound Health Care                            Tom’s BBQ and Catering
421 South Grand Ave. W.                           3511 S. Douglas Ave.                                     and farm insurance, which can help you recover quickly from a stolen identity...
Suite 2B                                          Springfield, IL 62704                                       and it adds just $25 to the annual policy premium. Find out more today.
Springfield, IL 62704
                                                  Rt. 66 Sonrise Donuts Coffee Bar                                    Policies issued by COUNTRY Mutual Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL.
Reynolds Auction Company                          & Diner
680 West Camp Sangamo Road                        1109 So. 9th St.
Springfield, IL 62707                             Springfield, IL 62703
Frog Cottage Jewelry                              Mark Commean’s Little Warriors
408 S. Adelia St.                                 P.O. Box 962
Springfield, IL 62704-1632                        Pawnee, IL 62558
A Custom U                                        Vestal’s V-Twins
716 W. Fayette Ave.                               3449 S. MacArthur Blvd.
Springfield, IL 62704                             Springfield, IL 62704
RGM Homebiz                                       Sweet Life
1623 Jerome Ave.                                  3259 W. Iles Ave.                                                  Lee Miller                  Thom Wessels              Larry Bunting, CLU MSFS               Tom Hale, CLU
Springfield, IL 62704                             Springfield, IL 62711                                           318 Crossing Dr.             3601 W. Wabash, Ste 103           2925 S. Meadowbrook            120 W. Walnut, Chatham
                                                                                                                 Sherman, IL 62684                   Springfield                 Rd. Ste C, Springfield                483-4355
Blue Ox Tree Service                              JDH Transmission and Auto Repair                                   496-2341                         546-4267                         547-1401                     FAX: 483-4156
2911 S. 12th St.                                  1326 N. Grand Ave. E.
Springfield, IL 62703                             Springfield, IL 62702
Pioneer Catering                                  Sno Shak
1102 E. Sangamon Ave.                             2806 E. Andrew Road
Springfield, IL 62702                             Sherman, IL 62684
Color Matrix Painting                             Doug’s Lawn Care
3401 Ridge Ave., Trailer 46                       312 N. Violet Drive
Springfield, IL 62702                             Auburn, IL 62615
Star Treatment Errand Service                     James R. Hazzard
3890 Ostermeier Road                              504 N. Main St.                                              Robert Vance                      Todd O'Neill                     Steve Bowen                       Bill Ringer
Auburn, IL 62615                                  Loami, IL 62661                                                3501 South 6th St.                 101 S. Main St.                 2406 Denver Dr.                 3501 South 6th St.
                                                                                                                    Springfield                         Athens                        Springfield                      Springfield
Majic Carpet Cleaning                             Joey Karter                                                        529-7200                         636-7177                         391-2341                         529-7200
1617 N. 7th St.                                   715 East Adams St.
Springfield, IL 62702                             Riverton, IL 62561
Timbursmoke                                       Carmen L. Crockett
3217 Lake Plaza Dr.                               2903 Cronin Drive
Springfield, IL 62703                             Springfield, IL 62711
A Sign From Above                                 Auto Complete Care
308 E. Monroe St.                                 54 Lambert Lane
Springfield, IL 62701                             Springfield, IL 62704
Memories By Faith Photography                               d
                                                  Arrowhead Stables
365 E. Washington St.                             6370 Old Rt. 36                                           Leonard Williams                  Duane Schmedeke                    Brenda Beyers                   Mike Baumann
Auburn, IL 62615                                  Riverton, IL 62561                                              1200 E. Lincoln                    3501 S. 6th St.                 506 S. 5th St.                   3501 S. 6th St.
                                                                                                                     Riverton                         Springfield                       Pawnee                         Springfield
           f
Heaton’s Cafe                                     Extreme K-9                                                  629-9640 or 486-6453                    529-7200                        625-8424                         529-7200
407 E. Locust St.                                 8 Hyde Park
Chatham, IL 62629                                 Springfield, IL 62703
Dream Lawns                                       Home Improvement Resource
1106 N. Lincoln Ave.                              Guide of Greater Spfld.
Springfield, IL 62702                             4301 Harvard Drive
                                                  Springfield, IL 62712




                                                                                                               Mike O'Brien                      Darrell Lynch                   Brian Holmes                     Chris Berger
                                                                                                             3601 W. Wabash Ste 103             3601 W. Wabash Ste 103      2925 S. Meadowbrook Rd Ste C        3601 W. Wabash Ste 103
                                                                                                                   Springfield                        Springfield                    Springfield                      Springfield
                       Respite Providers Needed                                                                     698-3456                           698-3456                       547-1401                         698-4325
Family Service Center of Sangamon County Respite Program is looking for people who would be
interested in caring for children on an occasional weekend. Many of these children may have
special needs and may require close attention. Requirements include being a licensed foster par-
                                                                                                                                                  Real people. Real answers. Real quick.®
ent which involves having medical exams, background checks, character references and training.
                              For further information please contact
                              Ron at (217) 528-8406
                             www.service2families.org
               1308 South 7th Street • Springfield, IL 62703
                                                                                                                                                                                                                                             636061




                                (217) 528-8406
                                                                                               636149




                                                                                                        0508-503HO
                                                                                                        0608-503HO                                           www.countryfinancial.com
Page 10       Springfield, Illinois                   THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                          Wednesday, June 4, 2008



                                                   R I B B O N                            C U T T I N G S




Illinois Nurses Association                                                                Galaxy Hair Design and Boutique and Tanning
A ribbon cutting was held at the Illinois Nurses Association, 911 S. Second St. Cutting    A ribbon cutting was held at Galaxy Hair Design, 118 W. Walnut St., Chatham.
the ribbon are Mayor Tim Davlin, Melissa Taylor and Catherine Sweeney. Also pictured       Cutting the ribbon are owners Cindy and Eric Allard along with friends and
are board members Terri Williams, Joanie Larsen, Pam Robbins, Mildred Taylor, Queen        chamber ambassadors.
Gallien Patterson, executive director Susan Swart, program director Edward Thompson,
INA members, Joe Williams, Gloria Ward, Marva Evans and chamber ambassadors.



  PERFECT GIFT FOR DAD.
 Memorial Home Services - the
 area’s leader in home health
 equipment and services - is
 holding a Father’s Day sale on
 seat lift chairs. Seat lifts help
 provide powered assistance for
 reclining and rising at the touch of
 a button. They are a perfect gift
 for fathers who need a little
 help lifting themselves up.

 CHOOSE MEMORIAL.




                     www.memorial home services.com
                                                                      636237




                                                                                                                                                                          635351




           Memorial Home Services | 1.800.582.8667
Wednesday, June 4, 2008                           THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                    Springfield, Illinois      Page 11



                                                    R I B B O N                            C U T T I N G S




Fifth Street Renaissance SARA center                                                              Nehemiah Affordable Housing/ Windsor Development
A ribbon cutting was held at the Fifth Street Renaissance SARA center, 1327 N.                    A ribbon cutting was held at Nehemiah Affordable Housing, 1005 S. Wheeler Ave.
Fifth St. Cutting the ribbon is Penny Harris, along with Alderman Sam Cahnman,                    Cutting the ribbon are president of NAH LP Silas Johnson, president of Windsor
board president Deb Williams, former mayor Karen Hasara, Deb Grant of IDPH,                       Homes Michael Niehaus and Jim Donelan, executive assistant to the mayor. Also
Sandy Robinson and staff members. Also pictured are chamber ambassadors.                          pictured are board members, friends and chamber ambassadors.




INB employees participate
in Teach Children to Save Day
   Employees from Illinois Nation-    savings, covering topics such as
al Bank recently participated in      budgeting, the difference between
National Teach Children to Save       needs and wants and why it’s im-
Day. The annual nationwide event      portant to save. Students had an
is designed to teach children their   opportunity to apply concepts and
“financial ABCs.”                     practices through games and




                                                                                                                                                                                             636421
   “Studies show that people who      other hands-on activities.
learn to save early in life usually      “Bankers are experts at saving
make smarter financial decisions      and investing, so it’s a natural fit
later. While today’s children can     for us to visit classrooms to teach
receive email through their cell      students how their money can
phones or use a CD-ROM to do          grow,” Mangiaracina said.
their homework, many don’t know          “Students who become smart
the basics of saving and money        savers today can become smart in-
management,” said John Mangia-        vestors and money managers to-
racina, assistant vice president      morrow.”
and branch manager at Illinois           Materials used during the na-                                         2008
National Bank.                        tional teach day was supplied by
   Sponsored by the American
Bankers Association Education
                                      the National Council of Teachers
                                      of Mathematics, the National
                                                                                         SHOWCASE OF
Foundation, National Teach Chil-
dren to Save Day is a day in April
                                      Council of Teachers of English
                                      and the Family and Consumer Sci-
                                                                                            HOMES
when bankers make presentations       ences.
                                                                             “HOME STYLES FOR OUR COMMUNITY”                                                    www.springfieldareahba.com
in schools across America to stu-        INB employees were at Mt. Pu-                             July 11-13 & 18-20
dents in kindergarten through         laski Elementary School, Riverton             Fri 4-8pm, Sat 10am-6pm, Sun 12-5pm ~ Admission $7
12th grade.                           Elementary School, Blackhawk                                          Featuring Homes by:
                                                                                     All-C Construction • Brady Homes • Evers Construction • JNC, Inc.
   Participating INB employees        Elementary School, Southern                    Moughan Bldrs., Inc. • Roth Homes, Inc. • Zinn Construction LLC
taught nearly 600 3rd and 4th         View Elementary School and                                   Contact SAHBA at (217) 698-4941                              www.viewshowcasehomes.com
grade children about money and        Farmingdale Elementary School.         Take Veterans and go west along Spaulding Orchard Rd., head north on Cockrell.
Page 12      Springfield, Illinois                        THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                                  Wednesday, June 4, 2008


                                                      R I B B O N                                C U T T I N G S




Lincoln Prairie Behavioral Center                                                                       Xanadoo
A ribbon cutting was held at the Lincoln Prairie Behavioral Center, 5230 S. Sixth                       A ribbon cutting was held at Xanadoo, 4343 Conestoga Drive. Cutting the ribbon are Mark
St. Cutting the ribbon are: CEO Scott Viniard; COO Mark Littrell; Coordinator                           Pagon, CEO and chairman of the board; Rory Lindgren, COO; Howard Verlin, executive vice
Outpatient Services Bob Fickes; Quality Manager Deb Dilello; Director of Nursing                        president; Phil Keith,VP sales and customer management; Scott Warunek, general manager;
Elaine Shemroske; CFO Tim Sides and Medical Director Dr. David Decker. Also                             and Wayne Peipenbrink, sales manager. Also pictured are: Jamie Hinton, store manager;
pictured are employees, colleagues and chamber ambassadors.                                             Jack Dunn, executive director, Chatham area chamber of commerce; Gary Plummer,
                                                                                                        president,The Greater Springfield Chamber of Commerce and chamber ambassadors.




J. P. Kelly’s Pub and Package Liquor                                                                   Party House Liquors
A ribbon cutting was held at J. P. Kelly’s Pub and Package Liquor, 300 E. Adams St.                    A ribbon cutting was held at Party House Liquors, 3211 W. Iles Ave. Cutting the
Cutting the ribbon is Grandpa J. P. Kelly, the owner’s children, Ava and Alio                          ribbon are owner Tom Ware, general manager Dave Fuiten and assistant manager
Giacomini, grandma Norma Kelly and daughter Maria, Coleen and Dan McDonald,                            Leah Bolen. Also pictured are chamber ambassadors.
owners Matt and Ellen Giacomini, along with Matt’s mother Connie, uncle Tom
Timoney, sister-in-law Maria Stacey and manager Mike Groesch.


                                                                                                                       2008
                                                                                      SHOWCASE OF HOMES
                                       At RECORD SYSTEMS, we                          “HOME STYLES FOR OUR COMMUNITY”
                                     offer an array of solutions to
                                        organize and move your                                            July 11-13 & 18-20
                                                                                           Fri 4-8pm, Sat 10am-6pm, Sun 12-5pm ~ Admission $7
                                           business forward.
                                                                                                                  Featuring Homes by:
                                                                                                                                                                       ANY UPS, FEDEX
                                     • Document Management                                 All-C Construction • Brady Homes • Evers Construction • JNC, Inc.           OR DHL SHIPPING
                                     • Paper & (On Site) Scanning Services                 Moughan Bldrs., Inc. • Roth Homes, Inc. • Zinn Construction LLC              2743 S. Veterans Pkwy
                                     • Save Space and Organize your files                                                                                                        (White Oaks Plaza)
                                                                                                     Contact SAHBA at (217) 698-4941                                       Phone: (217) 862-2060
                                     • Hardware & Software Solutions
                                                                                                                                                                            Fax: (217) 546-4915
                                Over 35 Years of Experience

  544-0747 RECORD• SYSTEMS
                                                                             636208




            2168 S. 9th Springfield, IL.
 recordsystemsinc.com                                                                     www.springfieldareahba.com           www.viewshowcasehomes.com               Copies • Shipping • Packaging
                                                                                                                                                                                                          618710




                                                                                      Take Veterans and go west along Spaulding Orchard Rd., head north on Cockrell.   Mailbox Rental • Stamps • Notary
Wednesday, June 4, 2008                                THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                    Springfield, Illinois             Page 13


                                                                     M I L E S T O N E S
   Kenneth G. Smith, P.E., recently     internet, logos, branding, collater-        Associated General Contractor’s            tions, and developing and review-        maintaining client relationships,
joined Hanson’s Professional            al materials, print, radio and tele-        Project Manager and Advance                ing all design concepts.                 preparing cost estimates, organiz-
                   Services Inc. He     vision.                                     Management Programs, as well as               Fitch received a bachelor’s degree    ing and scheduling manpower,
                   will be working         Prior to joining Omni, she               the Construction Leadership                in civil engineering and a master’s      material and subcontractors.
                   out of the           worked in Iowa as a marketing               Institute at Southern Illinois             degree in structural engineering            Jarrett received his associate
                   Springfield          consultant for Wells Fargo Home             University in Edwardsville. His team       from University of Illinois in Urbana.   degree in construction technology
                   headquarters.        Mortgage and the Des Moines                 leadership experience includes over-       He is also a structural engineer         from Southern Illinois University
                     As a senior        Register. Ruethling is a graduate           sight and on-site project manage-          licensed in the state of Illinois.       in Carbondale.
                   civil engineer,      of Wayne State College in                   ment for commercial building,
                   he serves in         Nebraska with a bachelor’s                  health care, education, religious,            Jeff Jarrett has recently been           Jana Richey recently has been
                   Hanson’s ener-       degree. in journalism and broad-            financial, and retail projects.            promoted to vice president at            promoted to corporate treasurer at
      Smith        gy and industry      casting communications.                        Missel received his bachelor’s                              Harold O’Shea                           Harold O’Shea
market. Smith has more than                                                         degree in civil engineering from                               Builders. Jarrett                       Builders.
30 years of experience in the              Annette Piper has been elected           University of Illinois in Urbana and his                       celebrated 20                           Charged with
industrial construction and             the 2008-09 president of Illinois           master’s degree in civil engineering                           years at Harold                         establishing the
environmental services indus-                              Women in                 from Southern Illinois University in                           O’Shea Builders                         financial frame-
try.                                                       Leadership.              Edwardsville. He is also a licensed                            in September                            work for the
   He has served as project man-                           Piper is vice            professional engineer in the state                             2007, and con-                          continued
ager for demolition, fuel storage                          president of             of Illinois.                                                   tinues to lead                          growth of the
systems, fiber-optic facilities, coal                      trust & invest-                                                          Jarrett        project teams             Richey        company,
gasification plant remediation,                            ment manage-               Springfield native, Tom Fitch has                            with an eye to                          Richey is
hazardous wastes, and landfill                             ment at Marine           recently been promoted to vice             quality, efficiency and always           responsible for the accurate and
and surface impoundment proj-                              Bank.                                        president of           meeting our client’s needs.              timely reporting of all financial,
ects.                                                         IWIL encour-                              Harold O’Shea             Jarrett joined Harold O’Shea          treasury and budget matters.
   He holds a bachelor’s degree in
                                             Piper                                                      Builders. Fitch is     Builders as a union carpenter in            Prior to joining Harold O’Shea
                                                           ages and devel-
civil engineering (1971) from the       ops leadership and management                                   a senior engineer      1987. Upon completion of his             Builders in 2006, Richey worked
University of Florida.                  skills through education, men-                                  with 16 years of       apprenticeship training, he was          for eight years in public account-
                                        toring, networking and commu-                                   managerial, busi-      promoted to Project                      ing, and brings her considerable
   Suzanna L. Simpson has joined        nity activities. Each year, the                                 ness develop-          Superintendent where he was              talent and experience to the com-
Hanson Professional Services
                i                       group awards college scholar-                                   ment, project          responsible for coordinating,            pany to help create innovative and
                  Inc.’s Springfield    ships to promising girls. Its                    Fitch          management,            scheduling and maintaining the           efficient accounting and financial
                  headquarters.         theme for the 2008-09 member-                                   and technical          day-to-day operations for job-site       systems.
                    As a geolo-         ship season is “Leadership One              design experience. His broad-based         projects.                                   Richey received a bachelor’s
                  gist, she serves      Step at a Time.”                            responsibilities include project              In 2003, Jarrett began working        degree in business administration
                  Hanson’s ener-           Other newly elected IWIL offi-           development and budgets, manag-            at the corporate headquarters as a       from Southern Illinois University
                  gy and industry       cers are: Sheryl Daugherty, vice            ing project workflow and opera-            project manager, establishing and        in Edwardsville.
                  market. Her           president; JoDeen Roley, secre-
                  previous experi-      tary; and Sally Quinn, treasurer.
                  ence includes         Karen Westbrook serves in the
    Simpson       preparing grant
applications, budgets and man-
agement plans; performing site
                                        role of immediate past president.
                                           The IWIL 2008-09 board of
                                        directors includes: Theresa Boley,
                                                                                                                                                        Master the
characterizations; investigating
soil and ground water; and ana-
lyzing data and preparing
                                        Connie Dicenso, Jill Leka, Kathy
                                        Maslouski, Linda Nickerson,
                                        Sarah Pavlik, Carlissa Puckett,
                                                                                                                                                        Next Level
reports for various sites across        Brenda Shutz, Darlene Weaver,
Illinois.                               Val Yazell and Julie Zara.
   Simpson holds a bachelor’s                                                        Master of Business Administration                              Master of Science in Management
degree (2003) in geology and a             Todd Missel has recently been                                                                              and Organizational Behavior
master’s degree (2005) in hydro-        promoted to vice president of
geology, both from Illinois State                          Harold O’Shea
University.                                                Builders. With
                                                          more than 11
   Omni Communications Group                              years of con-
continues its business expansion                          struction experi-
                  with the addition                       ence, Missel
                  of Susan                                helps lead both
                   Ruehling to the
                  new position of
                                                          individual proj-                                                          MBA                                                MSMOB
                                             Missel       ect teams and
                  client services                         construction
                  manager.              field operations at O’Shea.
                     She will work         Missel has completed the
                  closely with the
    Ruehling      director of client    STOCKS BONDS CDs
                  services to assist    MUTUAL FUNDS IRAs
in the development of marketing                                                           New Cohort Begins July 18, 2008                              New Cohort Begins September 27, 2008
strategies, coordinate marketing
and advertising programs, and            Tim Healy,AAMS
                                         Financial Advisor
create new business opportunities
                                         1818 So. MacArthur
                                                                                                  Join Us – Open Application and Registration Day
for existing and prospective Omni
clients.
                                         Springfield, IL                                                                  June 26, 2008                9am - 6pm
   Ruehling will serve as a liaison
                                         528-2827                                              Call Holly Whisler today for more information at 525-1420 Ext. 308
between clients and various              www.edwardjones.com
                                         member SIPC
departments of the agency to
ensure the timely completion of                                                                                                  www.sci.edu
various agency projects, including
                                                                           634559




new product launches, web sites,            MAKING SENSE OF INVESTING                                                                                                                                  636057
Page 14        Springfield, Illinois                     THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                     Wednesday, June 4, 2008



Many consumers spend early
rebates on soaring cost of living
By DAVE CARPENTER                       tracked their rebate spending in      ours went,” Dobbins said.
THE ASSOCIATED PRESS
                                        detail for The Associated Press,         Derek Houck, an actor in North
                                        there was no mass rush to the         Hollywood, Calif., planned to
   CHICAGO — Many Americans             malls for shopping sprees after the   allow himself an indulgence or
allowed themselves to fantasize         payments started showing up in        two with whatever was left of his
about large-screen TVs, European        bank accounts in significant num-     rebate after he’d taken care of
vacations and other luxuries when       bers in May. The greater econom-      necessities. It turned out to be
they learned of the federal rebates     ic ramifications may not be seen      more modest than he’d thought.
they’d be getting this spring and       for months.                           When his personal finance soft-
early summer.                              Vanessa Church, a 49-year-old      ware program showed him he had
   Or maybe — shh, don’t tell the       Chicagoan with six children,          a whopping 50 cents left from the
president — they’d pay off a credit     was grateful for the rebate but       $600, he still celebrated by
card or set the rebate aside for a      found there wasn’t much left          shelling out $49.95 for a new Wii
big purchase in the future,             over after big payments for utili-    game.
notwithstanding Washington’s            ties and other basic needs were
intentions that they pump it imme-      taken care of. “Things are get-                    ■ ❐ ■
diately into the flagging economy.      ting tighter and tighter,” she
   “It’s not often you get a windfall   said, adding jokingly: “I’m think-       All told, 131 million households
like that that you can just stash       ing they should do this twice a       are to receive a total of $110 bil-
away for something you need             year.”                                lion by the time the last payments
later,” said Sara Jackson, 29, a           Brandi Dobbins, 26, and her        are doled out in mid-July. What
graphic designer in Chattanooga,        fiance each got their $600 checks     people do with them will help
Tenn.                                   just before their May wedding on      shape the direction of the sputter-
   But reality has interfered, in the   the coast of Maine. The combined      ing economy.
form of ever-climbing food bills        amount was spent almost instant-         The last time Washington
and $4-a-gallon gasoline. While         ly when their caterer called and,     undertook such a program to com-
some consumers got their dream          after asking ’Are you sitting         bat an economic slowdown, tax-
TVs, as confirmed by a spike in         down?’, informed her that due to      payers got rebates of $300 or $600
April retail sales in anticipation of   food inflation their bill for the     in the summer and early fall of
the economic stimulus payments,         wedding was jumping from              2001. The eight-month recession
day-to-day living costs have            $46.50 per guest to $59 — virtual-    was over by November, but it’s not
sopped up the checks for many           ly the entire $1,200. “In the eco-    clear how much the payouts
other early recipients and spoiled      nomic grand scheme of things,         helped. The amount that people
their rebate fantasies.                 I’m not quite sure that’s what they
   Based on a small but broadly         intended us to spend our money
diverse group of consumers who          on - inflation — but that’s where         See REBATES on page 15




                                                                                                                                                       M. Spencer Green/The Associated Press
                                                                                                                        Vanessa Church, a 49-year-old Chicagoan with six children, says
                                                                                                                        she was grateful for the federal rebate she received in early May
                                                                                                                        but found there wasn’t much left over after big payments for
                                                                                                                        utilities and other basic needs were taken care of.




                                                                                                                                                                                            636187
                                                                                                               636158
Wednesday, June 4, 2008                                           THE STATE JOURNAL-REGISTER/SPRINGFIELD BUSINESS NEWS                                                Springfield, Illinois                Page 15



REBATES
                                                                                                                                         “We’re definitely in a recession —    marketing firm in Washington, D.C.
                                                                                                                                      I can feel it,” she said over a sand-    “I immediately factored that into
                                                                                                                                      wich in the cramped, bustling            what we would be able to pay off.”
                                                                                                                                      offices of the weekly neighborhood          The fact that the entire amount
■ From page 14                                                                                                                        newspaper where she is a lifestyles      was consumed by food inflation,
                                                                                                                                      and religion writer. “We get so          in the form of their caterer’s price
actually spent — excluding saving                                                                                                     much less for the same money. Milk       hike, was appropriately ironic
money, investing or paying down                                                                                                       and eggs and bread and vegetables        given the backdrop to today’s eco-
debt — was lower than many                                                                                                            and fruit are all very expensive. So     nomic malaise.
economists expected, although                                                                                                         the rebate was a good idea for that.”       “Do I think it accomplished
estimates vary so widely an exact                                                                                                        Being pinched didn’t prevent          what they wanted?” Dobbins said
total is hard to peg.                                                                                                                 Church and her husband from              of the rebate. “No, because it’s
   This year’s program provides                                                                                                       contributing $120 of her $1,200          going into people’s gas tanks, into
more money, aimed at delivering a                                                                                                     rebate to their church — they tithe      their food bills or to pay off their
bigger shot of adrenaline to the                                                                                                      10 percent of everything they earn,      credit cards. The cost of living is
economy by inducing people to                                                                                                         in good times and bad.                   going up so fast that it’s really not
buy items they didn’t otherwise                                                                                                          The rest went fast: $350 for a        going into the stores. It’s just
have the cash for.                                                                              Ric Francis/The Associated Press
                                                                                                                                      son’s eighth-grade class trip to         keeping up with everyday costs.”
   Most individual taxpayers are                      Derek Houck plays his newly purchased Wii video game in North                   Washington, D.C., $345 for an
getting checks of up to $600, while                   Hollywood. When his personal finance software program showed him                end-of-winter balloon payment on                        ■ ❐ ■
couples receive $1,200 plus $300                      he had a whopping 50 cents left from the $600 rebate, he still                  their heating bill, $225 for a
for each eligible child under 17.                     celebrated by shelling out $49.95 for the game.                                 daughter’s water-damaged cell               The most troubling economic
People earning too little to pay                                                                                                      phone and bill, $100 for their 15-       indicator to Houck this year has
taxes but at least $3,000, including                  it having a longer-lasting impact       dence will, which can influence         year-old son’s savings account and       been the cash flow predictor in his
seniors whose only income is from                     on the economy are less. . . .          the longer-term outlook. Over the       $60 on transit passes. Another           Microsoft Money software, show-
Social Security, get $300 if single                   People were not planning to use         long haul, spending on staples          $600 is expected later - her hus-        ing his finances going “down,
or $600 if a couple. And there are                    so much of it on energy and food.”      won’t provide the boost the gov-        band filed separately - and living       down, down, down, down.” So
no payments for the wealthy: The                         Diane Swonk, chief economist         ernment hoped for.                      costs are likely to gobble up the        when the $600 rebate appeared in
amount starts to phase out for                        for Mesirow Financial in Chicago,          Millions of Americans can testi-     bulk of that, too.                       his bank account, it allowed the
those with incomes over $75,000,                      also estimates that consumers will      fy to the psychological impact of a        “I don’t know how it affected         24-year-old to splurge a little for
or $150,000 for joint filers.                         spend more than half of the rebates     fat check, whether or not they          other people’s budgets overall, but it   the first time in months.
   Based on economists’ prelimi-                      — but much of it on the higher cost     agreed with the idea.                   helped our money stretch,” she said.        Splurging is relative for an
nary assessments, and echoed by                       of living, citing evidence of a “very      “Honestly, I think it’s kind of         “I thought it was a really cool       actor-for-hire doing everything
the AP sample group of more than                      stressed consumer.”                     silly that the government is paying     thing. It made me see my presi-          from carpentry to backstage light-
two dozen people, Americans are                          That would be dramatically           us money when it’s having such a        dent in a different light. I was like,   ing work to video game bug-test-
not hesitating to spend the money                     higher than what they signaled in       hard time paying its own bills,”        ’Attaboy George!’ I can be swayed,       ing in order to pay the rent.
— but more for essentials than                        an Associated Press-Ipsos poll in       said Jackson. “But shoot, who’s         I can be bought!”                           Besides $30 on tickets to see a
was anticipated. It’s easy to under-                  February, when only 19 percent of       going to turn down money when                                                    play a friend was in, his big “fun”
stand why: Gas prices are up more                     respondents said they would             they give it to you?”                                  ■ ❐ ■                     purchase was the Wii game —
than 30 percent since the rebate                      spend their rebates. Some 45 per-                                                                                        “Super Smash Bros. Brawl.” He
check amounts were first                              cent said they planned to pay off                     ■ ❐ ■                        The rebate couldn’t have come         allowed those indulgences only
announced and food prices are                         bills, 32 percent said they would                                               at a more perfect time for Dobbins       after spending $245 on new head
projected to increase 5 percent or                    save it or invest it, and 4 percent        Some economists are now say-         and her fiance: just when pay-           shots to get his face and name out
more in 2008.                                         said they would donate it to chari-     ing we will avert a recession, or at    ments for their wedding were             to directors, $68 to renew his sub-
   Joseph LaVorgna, chief U.S.                        ty. Consumers in the past have          least a severe downturn. Don’t tell     coming due. Every penny was              scription to an acting submission
economist at Deutsche Bank, thinks                    tended to spend significantly more      that to people who have seen their      devoted to the big event, which          service, and most of the rest on
at least half the rebate money may                    than they told pollsters they           living standards squeezed by the        will have cost about $24,000 by the      food, gas, laundry and bills.
go toward energy costs alone.                         thought they would.                     markups in supermarkets and at          time all the bills have been settled.       “I don’t think I helped save the
   “It’s not going to give you the                       Swonk says economic growth           the pump — like Church, who’s              “When I learned about the tax         economy with my contributions
bang for the buck as originally                       won’t be affected by where people       raising six children on Chicago’s       payment I was thrilled,” said            from the rebate, but it worked well
envisioned,” he said. “The odds of                    spend it — but consumer confi-          often hardscrabble West Side.           Dobbins, an account supervisor for a     for me,” Houck said.

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