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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 firstname.lastname@example.org 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 email@example.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, firstname.lastname@example.org 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, email@example.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, firstname.lastname@example.org 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 email@example.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 firstname.lastname@example.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 email@example.com. 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 firstname.lastname@example.org 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 email@example.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. 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