Business Report FEBRUARY 2010
Banks are lending. No catch.
FIN 48 Explained
Hidden Treasure La Quetzalteca
Business Report | February 2010
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Business Report | February 2010
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FINANCIAL Accounting for uncertainty in income taxes By ANDY PATTERSON
23 Business Report | February 2010
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HIDDEN TREASURES DANIEL RICHARDSON discovers La Quetzalteca INVESTING Investing in solar energy BY JOY SLABAUGH DELMAR The town too big for one state celebrates its 150th birthday
BUSINESS LICENSES BUSINESS DIRECTORY SERVICE DIRECTORY
5 Rehoboth Beach-Dewey Beach Chamber installs 2010 Board The Rehoboth Beach – Dewey Beach Chamber of Commerce presented the Mae Hall McCabe Award, Business of the Year Award, honored volunteers and sponsors, and installed their 2010 Executive Board and Board of Directors in January. Current chairman, Bill Klemkowski of Jake’s Seafood House, has accepted a second term as chairman. 2010 Executive Board of Directors - Bill Klemkowski, Jake’s Seafood House, chairman of the Board; Matt Turlinski, Lighthouse Inn Bed & Breakfast, first chair; Keith Martin, Hotel Rehoboth, second chair; Ron Derr, McBride Shopa & Co., P.A., third chair/treasurer; Chris Weeks, Becker Morgan Group, immediate past chairman Board of Directors - Wendy O. Baker, Ocean Atlantic Associates; Marvin Carney, MLC Productions; Jerry Esposito, Tidewater Utilities, Inc.; Chip Hearn, Peppers/Ice Cream Store; Rachel Hughes, Rehoboth Toy & Kite Co.; Paul Kuhns, Arena’s Deli; Dale Lomas, Crossswinds Motel, Atlantic Liquors; Michael Meoli, McDonald’s/Hampton Inn; Scott Swingle, WSFS Bank; Ann Watkins, AmericInn Lodge & Suites; Kay Wheatley, Rehoboth Products Company; Susan Wood, The Cultured Pearl, Pearl Properties and Grub Grocery At Large Board members: Jay Becker, Hudson, Jones, Jaywork & Fisher; Rob Marshall, Atlantic Oceanside Motel The chamber presented the following awards: • Mae Hall McCabe Award - BA “Bitsy” Cochran, Monograms Unlimited • Business of the Year Award - The Captain’s Table and the Lynch Family • Dewey Beach Volunteer of the Year Award - Jim Dedes • Dewey Beach Lifeguard of the Year Rob Mason • Individual Awards - Past City of Rehoboth Beach Commissioner, Paul Kuhns; Past Town of Dewey Beach Commissioner Rich Hanewinckel; Past Dewey Beach Mayor Dell Tush; Past Rehoboth Beach Dewey Beach Chamber of Commerce Board Directors, Bob Reed and Juli Mills • Chamber and Delaware Coast Press Scholarship to a Delaware Tech Student – Eric Medrano • 20 Years or More Chamber Membership Recognition - The Athlete by Vernon Powell, Baycenter, The Beacon Motel, Boardwalk Builders, Bottle & Cork, Delaware Technical and Community College, Fairweather By the Sea, The Inn at Canal Square, Peebles Department Store, and Rogers Graphics, Inc. • Special Business Recognition – Dewey Beach Club • Special Volunteer Recognitions - Marvin Carney, Jennifer Carter, Chris Franklin, Jason & Erika Garden, Dale Lomas, Pam McCutcheon, George Palmer, Sharon Palmer,
Mark Rotruck, Hank Smallwood, Scott Swingle, Christi Tapert and Christina Wolfe. • Sponsorship Recognition Awards Affinity Energy Mgmt. LLC, Alesi Custom Builders, Apple Electric, Applied Bank, Atlantic Liquors, Atlantic Sands Hotel, The Bake Shoppe, The Baycenter, Bellmoor Inn, Bethany Blues, Cape Gazette, City of Rehoboth Beach, Comcast, County Bank,
Crosswinds Motel, Delaware Today Magazine, Delmarva Power, Dos Locos, Grand Rental Station, Irish Eyes, Jake’s Seafood Restaurant, Kiwanis Club of Rehoboth Beach, Made Ya Look!, Matt’s Auto Care, Nemours Health & Prevention Services, PNC Bank, Starboard Restaurant, Tanger Outlets, Town of Dewey Beach, WBOC, Wilmington Trust, Windsor’s Flowers and WSFS Bank.
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Business Report | February 2010
from the editor Is Financing still available?
t can be rather disconcerting to hear stories from the mainstream media about banks tightening up lending. Of course, no one thinks it is a good idea for banks to be haphazard with their lending practices, but it is important for money to be available for ambitious entrepreneurs. The concern I have when hearing that banks are tightening their lending practices is that money will only be available for already established businesses. But we must remember that the mainstream media mainly reports on the larger, mainstream banks. What is going on at the big banks may not necessarily be reflective of what is going on at our local banks. Local banks have one glaringly obvious advantage over the big banks right now – their reputation. Local banks don’t have the luxury of asking the government for money after bad loans fail. When local banks make bad loans, they lose money. So, for the most part, they are going to make good loan decisions from the beginning. Carol Kinsley has put together a great article for this month’s Business Report on the money that is available for businesses. There are a number of banks around here that are eager to make business loans to qualified customers and a number of programs available to help businesses get the money that they need. For entrepreneurs looking for advice on financing, the article recommends three resources that are available to the general public.
...businesses that are just starting out can find help through the Small Business Administration, starting with the Web site, www.sba.org. The University of Delaware, under a cooperative agreement with SBA, offers Small Business
Development Centers in all three counties of Delaware. Visit www. delawaresbdc.org, or call (302) 856-1555 in Sussex, (302) 6781555 in Kent or (302) 831-1655 in New Castle County. Another SBA resource parter, SCORE (Service Corps of Retired Executives), matches volunteer business-management counselors with clients in need of expert advice, in person or by email. Workshops also are offered for beginning businesses or for those learning to market their business and manage the financial aspects of it. Visit www.score.org or call (302) 661-2366.” Even if you don’t know the first thing about starting a business or obtaining financing, those organizations will help you every step of the way. Often business owners will have a good idea of what the company needs, but are unsure about what financing options will work best in their situation. Ralph Citino of WSFS Bank explained it like this,
...if a business owner comes in and says he needs to borrow $50,000, we’ll ask what for? He may answer he wants a line of credit to buy a piece of equipment.”
“There are three different ways of financing: short term — a line of credit to be repaid within a year; longer term — a term loan up to 12 years; and a commercial mortgage — to buy a building, with 20-year amortization. The customer almost always thinks line of credit.” Citino goes on to explain that a line of credit may not be the best option in many cases. The full story, ‘There is money available for your business if you know where to look,’ is on page 19.
Business Report Vol . 13 No. 5
Bryant Richardson A d m i n is t rat i o n
Carol Richardson E D I TO R ial d ire c t o r
Daniel Richardson ar t Dire c t o r
Cassie Richardson COM P O S I T I ON
Elaine Schneider Tina Reaser Rita Brex SALES
Laura Rogers Doris Shenton Rick Cullen Brandon Miller Joyce Ramsey CONTA CT
Morning Star Publications 302-629-9788 P.O. Box 1000 Seaford, DE 19973 email@example.com firstname.lastname@example.org Photos iphoto, stock.xchng
Focusing on the ambition and innovation that make Delaware businesses unique.
Daniel Richardson please recycle this magazine Business Report | February 2010
539-2100 Andy Cripps
645-8073 Betsy Reamer
684-1101 Georgia Dalzell
227-2233 Carol Everhart
655-7221 Bill Stephano
* Annual membership cost based on businesses with fewer than 10 employees. For Delaware State and Central Delaware chambers membership cost figure is for 1-5 members. For Delaware State Chamber special rate applies if business already belongs to another chamber.
Annual chamber luncheon honors police, firefighters The Carl M. Freeman Companies will again sponsor the Bethany-Fenwick Area Chamber of Commerce’s 2010 Joshua M. Freeman Valor Award luncheon. The luncheon is scheduled for noon, Friday, Feb. 5, at DiFebo’s Bistro on the Green at Bear Trap Dunes, 7 Clubhouse Drive in Ocean View. The awards, named for developer and philanthropist Joshua Freeman (19642006), recognize outstanding police officers and firefighters within the Chamber’s service area. Banks Wines and Spirits and Delmarva Power are supporting sponsors. As in the past, one member of each police and fire department in the chamber’s service area will receive their company’s Officer of the Year or Firefighter of the Year award. This award can be given for a multitude of reasons whether it is service to their department or to the community at large. New this year, from all of the Officers/ Firefighters of the Year awardees, one will
be chosen to receive the 2010 Joshua M. Freeman Valor Award. The only son of real estate developer and philanthropist Carl Freeman and his wife Virginia, Joshua Freeman served his country as a Green Beret, then joined the family business and worked his way through the various companies to become president and chief executive officer in 1992.
He also served as chair of the Carl M. Freeman Foundation until his untimely death in 2006. Tickets to the Joshua M. Freeman Valor Award Luncheon are $20 per person and the public is welcome to attend. Reservations can be made by contacting the Chamber at 302-539-2100, ext. 16 or register on its online store before Feb. 2 at http://store.bethany-fenwick.org.
GREATER GEORGETOWN Chamber of Commerce
Visit us on the web: www.georgetowncoc.com
460 Members & Growing!
302-856-1544 | email@example.com
Feb 3 - 1st Wed.- Economic Development Council Meeting - 12 p.m. - Train Station, lunch provided Feb 3 - 1st Wed.- Board of Directors Meeting - 4 p.m. - Train Station. All those interested in working on a Chamber Committee are encouraged to attend! Feb 10 - 2nd Wed. - Chamber Breakfast- 7:30 a.m. - The Brick - Historic Restaurant & Tavern, Special Guest Speaker Alicia Hollis of Kent-Sussex Industries - $9 per person at the door. RSVP by Tues, Feb. 9th to 856-1544. Feb 17 - 3rd Wed.- Chamber Mixer- 4:30 a.m. - 6:30 p.m. - Host Fish On! 17300 North Village, Main Blvd., Unit 61 Villages of Five Points, Lewes. Feb 24 - 4th Wed.- Informational Lunch Meeting- 12 noon - CHEER Center - Special Guest Speaker TBA - $10 per person at the door. RSVP by Tues., Feb 23rd to 856-1544.
Business Report | February 2010
Tastes of Milford The 3rd annual Holiday Auction and Tastes of Milford which took place on Nov. 19 at the Milford Senior Center was a phenomenal success. Sponsored by Del-One, the event featured several local restaurants including Poâ€™ Boys, Capriottis and Sonic who offered samplings of their menu items. Approximately 172 people attended and generously participated in both live and silent auctions, raising over $8,000 to benefit the Chamber of Commerce of Greater Milford and Peoples Place. For more information on how to become a member/owner of Del-One, call 302-739-4496. For information on joining the Chamber of Commerce, call 302-422-3344.
Ribbon Cutting Owners Sherif and Emon Zaki announce the grand opening of Sherif Zaki Salon & Spa by the Sea, located at The Shops of Sea Coast, 19266 Coastal Hwy., Rehoboth Beach. The Rehoboth Beach-Dewey Beach Chamber of Commerce sponsored a ribbon cutting ceremony on Tuesday, Dec. 1. Spa by the Sea offers full services such as body relaxation massage and renewal therapies, signature facials and skin repair treatments, manicures, pedicures and gel nail enhancements. The hair salon offers the latest and up to date cutting and coloring techniques with The Baliage high-light system and Superior Goldwell hair color. Their Greenville location has been known as a premiere salon and spa in the area for over 16 years. For more information, call 302227-8640 or visit www.SherifZaki.com. Business Report | February 2010
The Bethany-Fenwick Area Chamber of Commerce Ambassadors and friends recently joined Blossoms Inc. in celebrating its new store located at 29472 Vines Creek Road in Dagsboro. The store specializes in fresh flowers, silk arrangements, gift baskets and more. Co-owner Theresa Pyle of Blossoms Inc. handled the Chamber's giant scissors at a ribbon cutting ceremony this past December. From left are Jeff Evans; Jennifer Pavik; Sue Nilsson; Arlene Hauck; Ron Greene; Veronica Bona; Dawn Greene; Carolyn Quinn; owner, Sandra deChurch; Chris Rowe; Barbara Rex; Michele Cox; owner, Theresa Pyle; and Frank deChurch. To reach Blossoms, call 302-732-3112.
Business Report | February 2010
10 Bomberger named Builder of the Year Steven W. Bomberger, president of Benchmark Builders, was recognized as Builder of the Year recently by the Home Builders Association of Delaware (HBA/DE) during the organization’s annual Inaugural Luncheon this past December. Bomberger Bomberger has a long history of service with the HBA/DE serving in various positions on the Board of Directors for the past 16 years, including president in 2008 and 2009. He was awarded "Builder of the Year"
SBA loan extension supports small business lending
in 1999, making him the only builder to receive the honor more than once. Among Bomberger’s most noteworthy contributions as president of HBA/DE include his leadership in establishing the association’s Green Building Council which is dedicated to sustainable homebuilding design and construction; his continued involvement in national housing issues as the states’ National Representative; and his role as a trustee with BUILD-PAC, a bipartisan industry advocacy group that focuses on creating an awareness of homebuilding issues as well as the support and election of pro-housing candidates on a federal level. Bomberger has over 25 years of homebuilding experience and is a principal cofounder of Benchmark Builders. The Wilmington based construction firm has been building a full range of residential homes throughout Delaware since 1988.
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Business Report | February 2010
President Obama has signed the U.S. Department of Defense (DOD) appropriations bill, which included $125 million to continue through Feb. 28, the enhancements made possible through the American Recovery and Reinvestment Act (ARRA) to SBA’s two largest loan programs. The SBA estimates the additional funding will support $4.5 billion in small business lending. Loan applications from borrowers who chose to be placed in the SBA’s Recovery Loan Queue will be funded first, followed by new loan approvals. “This Administration and Congress recognize that these key programs were successful in helping jump-start the economic recovery for America’s small businesses,” said SBA Administrator Karen Mills. “The increased guarantee and reduced fees on SBA loans helped put more than $16.5 billion in the hands of small business owners and brought more than 1,200 lenders back to SBA loan programs. The extension of these programs through February is important to continuing our path toward recovery and will mean thousands more small business owners have access to the credit they need." As part of ARRA, SBA received $730 million, which included $375 million to increase the SBA guarantee on 7(a) loans to 90 percent and to waive borrower fees on most 7(a) and 504 loans. The funds for these programs were exhausted on Nov. 23, 2009. Eligible small businesses, in consultation with their lender, could choose to be placed in the queue for possible approval of an ARRA loan if funding became available. Currently there are 1,069 loans totaling almost $530 million in the Recovery Loan Queue. The extension included in the DOD bill authorizes the higher guarantee levels through Feb. 28, 2010. The fee relief is authorized until this additional funding is exhausted or the end of the fiscal year, whichever comes first. As was the case in November, SBA will transition into a queue system as the funds start to wind down in order to ensure the maximum simulative effect of the programs and disbursement of funds. This extension does not affect other SBA ARRA programs, including the America’s Recovery Capital (ARC) loan program or the agency’s microloans. ARRA funding still remains for both of those programs.
11 New order helps companies compete for state business
Gov. Jack Markell has signed an executive order that will make it easier for small and mid-sized companies to bid on state contracts. The order will create a centralized, online publication listing all advertised and awarded state contracts. In addition to helping the economy by increasing opportunities and competition, this will also further increase government transparency. Markell directed the Office of Minority and Women Business Enterprise to offer
training to small businesses on how to apply for state contracts and provide information on how to learn about available bidding opportunities. The governor told agencies to designate a Minority and Women Business Enterprise Liaison to advise the agency’s cabinet secretary on ways to increase supplier diversity and established the Governor’s Supplier Diversity Council, which is charged with monitoring the state’s efforts in increasing the number of minority- and women-owned businesses winning state contracts. The order also
clarified the planning process for supplier diversity efforts in order to improve the performance and accountability of government operations. “The best way to address the challenges we face is to help companies create jobs and cut the cost of government,” Markell said. “This executive order will give companies opportunity to grow their business and put more Delawareans to work. Many small businesses want to compete for state contracts, but do not know how to do so. The steps we are taking will change that.”
DEDO awards loan to manufacturing company
Governor Jack Markell and Director Alan Levin recently joined the partners of PTM Manufacturing, LLC to announce the company’s plan to launch a manufacturing headquarters in Delaware as it expands its line of cost-effective green energy ducting and insulation system products nationwide. The Delaware Economic Development Office awarded PTM Manufacturing a Delaware Strategic Fund loan in the amount of $645,000. The state’s investment is expected to help PTM create 23 new jobs in its first year and up to a total of 67 jobs within three years. “It’s important to help Delaware businesses identify new opportunities, launch new products and expand into new markets,” said DEDO Director Alan Levin. “The state’s investment in PTM Manufacturing will create green jobs, while enhancing our long-term economic and environmental sustainability.” PTM was founded in 1998 for the development of HVAC energy efficient technologies and as a fabrication division of Eastern Industrial Services, Inc., based in Newark. PTM distributes its HVAC product lines, Techna-Duc® and KoolDuct® regionally to provide energy efficient technology to lower costs and reduce energy consumption. The company is owned by three members who are the inventors of the Techna-Duc® insulation system: Pete Faverio, Mike Zimny and Tim Shelton. PTM’s expansion will begin by establishing a new corporate headquarters in Delaware for all operations. Over the next three years, eight additional manufacturing and distribution facilities will be added throughout the United States. To learn more about the company, visit www.ptmmanufacturing.com. To apply for a job with PTM Manufacturing, candidates may send an e-mail inquiry to firstname.lastname@example.org.
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Business Report | February 2010
12 Home Builders Association of Delaware honors two members Landmark Engineering/JCM Environmental (Landmark/JCM) is pleased to recognize the recent honors bestowed upon its staff members by the Home Builders Association of Delaware (HBADE). Howard Fortunato was named Associate of the Year and James C. McCulley IV will join the Executive Committee of HBADE. McCulley was also nominated for National Associate of the Year. Howard Fortunato, Green Systems Division manager at Landmark/JCM, was recognized as the Associate of the Year by Home Builders Association of Delaware (HBADE) at its recent Inaugural Luncheon. Fortunato has served as president of the HBADE Green Building Council for the past two years and has been instrumental in advancing green residential construction
Raymond E. Tomasetti Jr. Attorney at Law
in Delaware. He assisted Silverstock Builders in building the first Gold Certified Home under the NAHB Green Building Guidelines in the Nation and has assisted many builders in building green homes in the State. James C. McCulley, IV, P.W.S., principal and vice president of the Sciences Division at Landmark/JCM Fortunato was nominated for the National Associate of the Year for the National Association of Home Builders (NAHB). The award was presented to one of 20
nationwide nominees at the International Builder's Show in Las Vegas on Jan. 20. Jim McCulley was sworn in as an officer and will serve McCulley on HBADEâ€™s Executive Committee. McCulley is a long serving Board member and previous winner of the Associate of the Year and the President's Award. He is the authority on responsible environmental issues for HBADE and the Board, and also represents Landmark/ JCM and Delaware as a member of the NAHB Board of Directors and their Environmental Committee.
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Corporations | Real Estate Estates |Trusts | Wills Sussex County Office 1209 Coastal Highway Fenwick Island, DE 19944 (302) 539-3041 fax: (302) 537-9986 New Castle County Office 14 West Market Street Newport, DE 19804 (302) 995-2840 fax: (302) 995-9160 Business Report | February 2010
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13 Becker Morgan Group awarded technical park project The City of Dover recently selected Becker Morgan Group, Inc. to provide master planning, land planning, civil engineering and surveying services for the development of the Garrison Oak Technical Park. The park will be located on approximately 389 acres off White Oak Road in Dover. The Dover SUN Park will be, a 90 acre 10-megawatt utility scale solar farm which will be the largest solar facility currently planned for the region. As part of the overall development of Garrison Oak, Becker Morgan Group will be working with White Oak Solar Energy, LLC, a division of LS Power of New York.
Nason wins industry awards Nason Construction is the recipient of a number of excellence awards for its work at the Helen F. Graham Cancer Center at Christiana Hospital and the South Coastal Library in Bethany Beach. The Helen F. Graham Cancer Center has been presented three awards: • Mid-Atlantic Construction’s Best of 2009 Healthcare Project • Delaware Contractors Association (DCA) Construction Excellence • Associated Builders and Contractors (ABC) Delaware Chapter Excellence in Construction The Cancer Center project, completed in May 2009, is a four-story expansion to the Christiana Hospital’s original cancer care center and brings the total area for cancer care to over 180,000 s.f. The $30 million expansion houses areas for diagnosis and treatment, physician offices, oncology rehabilitation, a pharmacy and the Center for Translational Cancer Research. Also featured at the Helen F. Graham Cancer Center are a green/vegetative roof, a reflecting pool and a meditation room. Nason was also honored by the ABC Delaware Chapter with an Honorable Mention Award for its work on the South Coastal Library Expansion. Completed in April 2009, the project doubled the size of the library to 20,000 s.f. New elements of the library include a children’s library, a teen area, a community room and a meditation garden at the rear of the building. Nason also received safety awards from the DCA and ABC for outstanding safety and loss prevention programs.
Delaware Beach Life named ‘Magazine of the Year’ Delaware Beach Life, coastal Delaware’s full-color feature magazine, was named “Magazine of the Year” in its circulation category by the International Regional Magazine Association during its annual conference this past October. This is the top award given by the trade association, which includes many wellknown monthlies from around the United States. Delaware Beach Life also won first place in the Overall Art Direction category (which defines the look of the magazine) and first place in the Most Improved category, an award that was based on the complete redesign of the magazine that was launched with the March/April 2008 issue. All three awards were based on issues published in 2008. Delaware Beach Life in September won another national level award, taking second place for the overall quality of its writing, editing and design in the 2009 competition
sponsored by the National Federation of Press Women. To qualify for entry in that contest, Delaware Beach Life won first place in the statewide contest sponsored by the Delaware Press Association. Delaware Beach Life Publisher Terry Plowman said, “These awards really belong to the many dedicated contributors whose work appears in every issue. We all take great pride in creating a top-notch magazine with real journalistic integrity and beautiful design.” Delaware Beach Life, which was launched in 2002, covers all of coastal Delaware from Lewes to Fenwick Island and inland to Milton, Millsboro and Selbyville. It is the only feature magazine based in, and focused on, coastal Delaware. It reaches 50,000 readers throughout all of that area and in the metro-suburban areas that feed coastal Delaware.
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Business Report | February 2010
SBA expands ‘e200’ initiative
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Business Report | February 2010
The U.S. Small Business Administration will expand the Emerging 200 (e200), an executive-level training initiative for small business owners, in 2010. The initiative will continue in 10 cities that have participated in the past, and expand into 12 communities with an emphasis on Native American business owners. The expansion of e200 to Native American communities coincides with the President’s appearance before Tribal Leaders on Nov. 5 in Washington, D.C., during which he promised that the administration would work with the Native American community to build economic prosperity. Some of the reservations face unemployment of up to 80 percent and roughly a quarter of all Native Americans live in poverty. Since its inception, e200 has identified business owners across the country who show a high potential for growth in underserved markets and provided them with the training, networking, resources and motivation required to expand operations and create jobs. To date, more than half of the businesses that participated in e200 have seen an increase in revenue, and nearly two-thirds have created new jobs. Entrepreneurs who have completed the training have secured over $9 million in new financing for their businesses. Increased confidence in applying for government contracts among trainees has resulted in over $1.3 million awarded to participating small businesses. The nine-month training includes approximately 100 hours of classroom time per participant and provides the opportunity for small business owners to work with experienced mentors, attend workshops and develop connections with their peers, city leaders, and financial community. For more information, visit www. sba.gov or contact your local SBA District office.
Accounting for uncertainty in income taxes By ANDY PATTERSON, CPA Privately-held companies can expect to spend more time preparing their next set of financial statements, and they may find the process more complicated than before. The reason for the extra work? A new accounting standard for calculating and recording federal and state income tax expense when there’s a chance that the IRS or state taxing authorities would not accept all the tax positions reflected on the company’s income tax returns. Tax positions include deductions or credits claimed and other decisions made (including the decision not to file a return) that impact the return’s bottom line. You’ll hear the new standard referred to as “FIN 48,” short for the Financial Accounting Standards Board’s new Interpretation No. 48, titled “Accounting for Uncertainty in Income Taxes.” Public companies adopted FIN 48 in 2007. Now it applies to private companies as well — starting with 2009 financial statements. FIN 48 requires a more rigorous and methodical assessment of financial statement reporting of the tax decisions made by your company. As a result, your management team may have less flexibility in determining tax reserves than in the past. Private companies most likely have to share their financial statements with lenders and investors - the new requirements can provide them with more confidence when comparing financial statements by knowing that different businesses use the same criteria when dealing with tax issues. In any FIN 48 discussion, you’ll hear two terms mentioned often: “uncertain tax position” and “more likely than not” - which is frequently condensed into the acronym “MLTN.” To understand how FIN 48 is applied, let’s take an extreme example. A company has a yacht which it uses to entertain clients. The cost for the crew, fuel, depreciation, meals and other related expenses is
$100,000, for which you claim a business deduction. If the company is in a combined federal and state tax bracket of 40%, that means a tax savings of $40,000. If you’re being aggressive in claiming the deduction, chances are the IRS would challenge the expenses you’re trying to write off. This is an example of an “uncertain tax position.” In pre-FIN 48 days, your accountants might have arbitrarily estimated that half the deduction would be allowed, and set aside $20,000 as a pending tax liability in your financial statement. Or, they might have decided not to worry about it at all. You don’t have that latitude anymore. So, how do you determine the tax benefit amount to be recognized in your financial statements? Start with recognition — determining whether it is “more likely than not” that a tax position will be sustained upon examination by the IRS (or state/local authorities for a state or local income tax return). “More likely than not” means a better than 50% chance that your tax position will be sustained, even after appeals and litigation, because of the technical merits of your position, and assuming that taxing authorities have full knowledge of all relevant information related to your claim. In determining whether the “MLTN” threshold is met, you do not factor in your chances of being selected for a tax examination. If you determine that your tax position doesn’t meet the “MLTN” standard, you’ll have to record the entire tax benefit — $40,000 in our example — as a FIN 48 liability on your financial statement. As a result, the company’s net income will go down by $40,000. What if your research indicates that the tax position meets the MLTN standard, but not for the full amount? Say there’s only a 5% chance that the full claim would be upheld, a 25% chance that half of the deduction would be allowed, and better
than 50-50 chance that only $40,000 of the $100,000 write-off will be upheld? In that situation, you’ve got to record the potential tax liability associated with the $60,000 ($100,000 - $40,000) likely to be deemed taxable, or $24,000 ($60,000 x 40%) in this example, as a FIN 48 liability. In short, that is how your accounting team must address an “uncertain tax position.” Your situation becomes more complex if you have more than one such position. And, you’ll have to go back more than one year if you have uncertain positions associated with returns that are still open under any statute of limitations, generally three years. There’s one more daunting prospect involving state and local jurisdictions. If you haven’t filed a return in previous years because you claim you didn’t have to and there’s a chance you might be liable — well, FIN 48 guidelines consider that an “uncertain tax position” has to be evaluated under the FIN 48 standard. In this situation, the company could be liable for payments for all years in which it should have filed state income tax returns. What will this mean? Studies of public companies have shown substantially more companies have had to report increases rather than decreases in tax liabilities, though the increased liability is usually less than 50% of what was previously recorded. About one company in five reported no significant impact on their financial statements. It’s reasonable to assume outcomes for private companies will be similar, but right now plan to spend some extra time reviewing tax liability issues with your accounting team as part of the preparation of your next annual financial statements. Andy Patterson, CPA, is a director of Horty & Horty, P.A., a Delaware accounting firm with offices in Dover and Wilmington.
Business Report | February 2010
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Gov. Jack Markell has announced that state agencies will act quickly to assist workers affected by the closing of the Valero refinery in Delaware City and that the state will make every effort to ensure the environmental health and safety of the site to protect the thousands of Delaware families who live near the facility. Markell instructed the Department of Labor and the Department of Health and Social Services to activate the same rapid response teams they used when the General Motors plant closed earlier this year. The teams will work with the employees to ensure they receive any public services available to them, including job retraining. The Department of Natural Resources and Environmental Control (DNREC) is continuing to work to identify environmental issues in and around the facility and will work with Valero to catalogue problems that the company has the responsibility to solve.
Dogfish Head Brewery receives tourism award Each year, Southern Delaware Tourism presents the Southern Delaware Tourism Recognition Award to a group or individual who has significantly impacted Sussex County, Delaware’s tourism industry. The honor is awarded based on visitation draw, uniqueness and impact of increasing awareness of Sussex County. The 2009 award was presented to Dogfish Head Craft Brewery on Dec. 9, at the Southern Delaware Tourism Award Luncheon held at Baywood Greens. Dogfish Head was specifically recognized for their year-round brewery tours that welcome between 600 and 800 visitors weekly in the summer and continue to bring 150 to 200 people each week in the shoulder season. Additionally, Dogfish’s local partnerships allow for tours to be tied into a variety of local events and overnight hotel packages. For more information call 302-8561818 or visit www.visitsoutherndelaware.com. Business Report | February 2010
Peninsula Dental opens Sussex office thanks to LIFT loan Peninsula Dental, a full service general dental office offering a wide range of services for children and adults, including sedation for patients with disabilities and individuals with anxiety or medical conditions, is expanding its practice in Delaware. Utilizing Governor Markell’s Limited Investment for Financial Traction (LIFT) program, the dental office, currently practicing on Route 40 as Bear-Glasgow Dental, expanded services into Sussex County. "We chose a location with a need, and which offers great potential. Our ability to offer sedation dentistry and having a bilingual staff is already proving to be helpful in Millsboro,” said Peninsula Dental doctor, Glen Goleburn. The Governor’s LIFT program uses $5 million from the state’s Strategic Fund to subsidize the interests on small-business loans. Businesses receiving the LIFT subsidy will repay the money to the state after two years, with the individual business owners themselves giving personal guarantees as part of the program. To qualify for the Small Business LIFT, small businesses must be in operation for at least three years and can have as many as 50 employees. Participating banks agree to defer principal payments during the two years the state is subsidizing the interest. "The LIFT loan program enabled us to build our new office, purchase the dental equipment, and hire staff,” states Peninsula Dental’s office manager, John Moore. Peninsula Dental is using state-of-theart digital X-ray equipment which limits patient exposure and provides top quality imaging. The office also uses chartless, paperless electronic data processing, which reduces cost and increases efficiency well in advance of federal requirements to use these technologies.
Business Report | February 2010
DELICIOUS La Quetzalteca owner Gerson Guox is pictured by the bar in the new Georgetown location. Photo by Daniel Richardson
By Daniel Richardson
If you go to La Quetzalteca and don't see owner Gerson Guox seating tables, ringing up customers, helping out servers or mixing up margaritas behind the bar, it's probably because he is in the back prepping food, cooking or washing dishes. Guox is not afraid to put in the hard work necessary to run a successful restaurant. Originally from Guatemala, Guox moved to the United States in the early 90's and began learning the restaurant trade. "I've had many different jobs – they've all been related to restaurants," said Guox. "I started to work as a dishwasher, then prep, salads and desserts. I was moving myself up in the restaurant business." Guox then moved to the front of the restaurant bussing tables, waiting tables and eventually becoming manager. "Working all of the positions in the restaurant business is what gave me the idea to start my own restaurant," said Guox. In 2004, Guox opened the first La Quetzalteca on Rt. 9 outside of Georgetown. "We tried that for a while, but (that place) was too little – I wanted to open a bigger place," said Guox. La Quetzalteca then opened a much bigger restaurant on Rt. 24 in Millsboro. Guox Business Report | February 2010
said that it has taken five years to develop the atmosphere that he wanted at the restaurant in Millsboro, but is now happy with the way it has turned out. All of the art and decorations at the Millsboro location and the new Georgetown location are designed to give the restaurants the look and feel of an authentic Mexican restaurant. Guox explained that when "you're inside (the restaurant) it makes you feel just like you are in some of the towns in Mexico, and that's how we designed the place – to get that feeling." The name "Quetzalteca" is a combination of two words that reference Mesoamerican history and mythology. "Quetzalcoatl" is referred to as a deity in ancient sources and is said to have been the ruler of the "Toltec" people in the valley of Mexico and surrounding areas prior to Aztec rule. When the first La Quetzalteca location was being planned, Guox had wanted to buy the old J. W. Pickles restaurant in the Georgetown Plaza Shopping Center in Georgetown, but he didn't have the money at the time. After five years of building up the Millsboro location, Guox was finally able to purchase the J. W. Pickles building. Over the last four to five months, the building was redecorated to resemble the
Millsboro restaurant and opened its doors on December 28. Guox has noticed that the newest Georgetown location has been busy since they opened the doors. "The name, La Quetzalteca, has been around and everybody knows about the quality of the food and the service and the atmosphere," said Guox. The quality of the food is something that Guox prides himself on. "The comments that we here from the customers are that this is the best food they have found, said Guox, "even with people that travel all the United States and Mexico." The menu, which was created by Guox, contains lunch specials, vegetarian meals, combination dinners and many unique specials. The bar is stocked with many top shelf tequilas and Guox said that his customers rave about their margaritas. Guox is already making plans to expand La Quetzalteca. He wants to open a few more restaurants in Delaware, possibly another one as soon as this year, and then move into other states. The official grand opening celebration for the Georgetown La Quetzalteca was January 21. For more information about that restaurant, call 854-0218. For more information about the Millsboro location, call 934-8077.
19 There is money available for your business if you know where to look By Carol Kinsley
Despite what you might hear on the morning news, there is money available for businesses to borrow — from commercial banks if not the larger banks that have been the focus of media attention. "We are open for business and expect to pull out of this," said Randy Taylor, president of Delaware National Bank. "Delaware National is moving forward," he continued. In fact, the bank expects to increase the amount it lends out this year. "Most commercial banks are still using the same underwriting guidelines," Taylor said. Decisions are based on cash flow and ability to repay. What some borrowers may be running into, with the general downturn in the economy, is a lack of cash flow, profit or collateral, all key factors in lending, in addition to management skills and expertise. It's not that banks have changed their guidelines, Taylor explained, but that it's tougher for some businesses to meet the requirements. Delaware National has 12 branches in the state, serving a balanced mix of consumer and small business accounts, with lending decisions made locally. "We try to help our existing customers and we welcome new accounts," Taylor continued. In some cases, clients are referred to special government programs, including the Small Business Administration, where needed. Taylor said three such loans have been made in recent months with a combination of bank support and government support. The goal, he concluded, is to provide a credit package that is affordable and sensible with a realistic source of repayment. Ralph Citino is senior vice president and director of small business banking for WSFS Bank, one of the ten oldest, continuously operating banks in the United States. WSFS continues to offer business loans for new and existing businesses, he said, outlining the process. If a company is in business already, the owner should contact a branch or small business relationship manager. Bring two years worth of personal and two years of business tax returns, as well as a personal financial statement, Citino advised. The first meeting should take 15 to 30 minutes, allowing time for the client to explain what it is he or she
wants to do. Additional supporting documents may be necessary. "It's pretty simple," Citino continued. "If you've been in business less than two years, or you're looking to expand, we will ask for a business plan that includes what you're looking to do. That should include a resume and a minimum of three years' income and expense projections. "Paperwork is a big part, but the interview is a bigger part," Citino explained. "We want every customer to meet someone face to face — if not right then and there, someone else will get the process started and follow up the same day. Typically, when a small business is looking to borrow, it wants to do so quickly." Also typically, a business owner understands his own business, but not necessarily the relation of how his company does business and the financing of it. "That's where we can be helpful," Citino said. "For example, if a business owner comes in and says he needs to borrow $50,000, we'll ask what for? He may answer he wants a line of credit to buy a piece of equipment. "There are three different ways of financing: short term — a line of credit to be repaid within a year; longer term — a term loan up to 12 years; and a commercial mortgage — to buy a building, with 20-year amortization. The customer almost always thinks line of credit," Citino explained, but what's needed is a loan with a fixed payment, paid over time, not a short-term line of credit. "Advice is key, being a trusted advisor in the relationship, making sure the customer is in the right product to help grow his business better," Citino said. He added, "The main thing any small business should be looking for is a relationship manager, not just a bank to deal with once and move on. You want someone to deal with over time." Within the small business realm, different banks have different perameters for lending. WSFS typically makes loans of up to $1 million at a local level. If more than that is needed, a customer is referred to the business banking department. The best way to get started is to visit the bank's Web site, www.wsfsbank.com, or come into any local branch. "You want someone comfortable to deal with," Citino advised. "The branch will get its small business person involved."
PNC Bank has not only been in business for more than 150 years, it is one of the largest financial services companies in the United States, and it offers a wide range of services with a special focus on businesses located in the communities it calls home. For business borrowers, PNC Bank provides on-site, in-person support in its branches as well as a handy, easy-to-use pamphlet that can be secured at any of its branches for reference. The guide, "Why PNC for Business Lending," helps business owners assess their creditworthiness. While not exclusive criteria for credit decisions, the listed business attributes are evaluated to establish the overall credit profile of a business. These attributes include: the personal credit history of owner(s), business credit history, years in business, company financial trends, business debt service coverage, debt-to-income ratio, leverage, payment history with PNC, recent checking overdrafts, industry type, owner(s)' net worth and collateral. Once the bank has helped a business provide the necessary information, in most cases a credit decision can be reached within three business days. Darcel Kimble, PNC vice president corporate communications, said, "Each branch is fully equipped to help small owners address their needs. Everything from accessing loan criteria, managing cash flow and thinking about succession planning. We have a full-range of experts who are ready to help." As recommended by both Taylor and Citino, businesses that are just starting out can find help through the Small Business Administration, starting with the Web site, www.sba.org. The University of Delaware, under a cooperative agreement with SBA, offers Small Business Development Centers in all three counties of Delaware. Visit www.delawaresbdc.org, or call (302) 856-1555 in Sussex, (302) 678-1555 in Kent or (302) 831-1655 in New Castle County. Another SBA resource parter, SCORE (Service Corps of Retired Executives), matches volunteer business-management counselors with clients in need of expert advice, in person or by email. Workshops also are offered for beginning businesses or for those learning to market their business and manage the financial aspects of it. Visit www.score.org or call (302) 6612366. Business Report | February 2010
BY Joy Slabaugh For years, investing in energy meant buying stock in an oil company. Variations included buying energy-targeted mutual funds and/or shares in a limited partnership. Today, Delaware’s Renewable Portfolio Standard combined with the American Recovery and Reinvestment Tax Act of 2009 provide Delawareans with another form of energy investment: solar energy. Solar powered lifestyles have long been considered intriguing, but lacking feasibility. The Federal government has created incentives that make an initial investment in solar energy sources not only feasible, but attractive. Several states, including Delaware, require utility companies to purchase energy from solar power sources and in doing so have created a market for solar power. Combined, these factors create compelling financial motivation for considering solar investment. This article will focus on evaluating solar power as a potential investment at the residential and commercial level. Examine solar power options: photovoltaic cells are the panels that convert sunlight to electricity and what usually comes to mind when the phrase “solar energy” is used. Solar water heating is a different panel process that uses the sun to heat water for use. Both types of solar power are eligible for many of the grants and subsi-
It’s getting easier to be green: investing in solar energy dies available. Assess energy needs: examine twelve months of energy bills (electric, gas, etc.) and total the kilowatt hours used. This figure will allow you to determine what size and type of solar power options will best meet your energy requirements. Calculate energy costs: total the fixed and variable costs of twelve months of energy bills (electric, gas, etc.) and divide by the kilowatt hours used during the same time for the average annual cost per kilowatt hour. To accurately plan for future costs, factor in energy inflation over the next 10 years. These figures will help you accurately assess potential savings. Determine future income opportunities: selling solar renewable energy certificates (SRECs) provides ongoing income. Delaware’s Renewable Portfolio Standard requires utility companies to purchase a certain percentage of energy in the form of SRECs. Each solar energy system generates approximately 1 SREC per kilowatt hour; typical residential systems produce 4-6 SRECs each year. To profit from SRECs, registration with Delaware Public Service Commission is required. SRECs can be traded on auctions, bought and sold directly, leased, or sold to intermediaries. In Delaware, the Sustainable Energy Utility has the ability to buy, sell and hold SRECs in an effort to dampen price swings.
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However, the price is driven by supply and demand and is not constant. Determine Federal and State subsidies and tax savings: these include Federal individual and commercial tax credits, accelerated depreciation on commercial solar panels, energy-efficient building Federal deduction, State of Delaware residential rebates and grants, Federal commercial grants and Federal residential financing. The profitability of an investment in solar may be significantly affected depending on one’s individual or corporate tax bracket. Check with your tax advisor to find out how these incentives affect your particular situation. Compare providers: price is only one consideration. While interviewing installation contractors look for experience and ask to see examples of completed work. Inquire about assistance in obtaining grants, rebates, and financing for the installation. An experienced installation contractor should assist with determining feasibility and profitability. To be eligible for State grants, make sure the contractor is registered with the Green Energy Program. Run the numbers: an evaluation of the potential investment is complex but can be summarized in three steps. First, calculate the initial cost outlays: installation and financing. Second, calculate the net annual cash flows over ten years. Include savings from decreased utility bills, income from SRECs, tax rebates, tax credits, tax savings from depreciation over five years, financing costs, installation, maintenance and taxes on grant monies. Finally, calculate the internal rate of return over the period selected. If this internal rate of return is acceptable, you may have a compelling reason to make an investment in what could be the future of energy. Joy Slabaugh is a certified financial planner professional with EST Financial Group in Delmar. For more information, visit www.estfinancial.com.
Delmar A big future for a small town
The town of Delmar celebrated its 150th anniversary in 2009, and over the past few years has seen a tremendous growth in economic activity. In 2008, McDonald’s opened on Route 13 and Sleepy’s Mattress Store, located next to the restaurant, opened its doors in 2009. The Bank of Delmarva also built a new location in Delmar and Evolution Craft Brewing Company made its’ home in the old IGA building on Bi-State Boulevard. The town completed work on capital improvement projects on Jewell Street, Pennsylvania Avenue, and Foskey Lane in 2008 and completed a downtown streetscape project and upgrades to Gordy Park in 2009. The streetscape project, which took place on North Pennsylvania Avenue between Grove and State streets, is the first of many more enhancements to the downtown district. The project included the installation of red brick sidewalks as well as new lighting. The Gordy Park upgrade was completed with funds the town received from the Maryland Department of Natural Resources’ program Open Space/Community Parks and the Playgrounds Program. New playground equipment was installed in 2008 in the project’s first phase and in 2009 the old bas-
ketball court was retrofitted into a skate and BMX park and two new full size basketball courts were laid down. Delmar awarded a contract to begin upgrade work on its water treatment plant in April of 2009. The Delmar joint council is considering a motion to ammend the town ordinance in
Skaters enjoying the new Gordy Park upgrades. Photo by Mike McClure
We’re proud of you Delmar!
Happy 150 Birthday th
We look forward to your next visit. Rt 13 & Connelly Mill Road, Delmar, MD
order to allow casinos within town limits. The Planning and Zoning Commission will make a reccomendation on the ordinance change and will look to establish a special exception to consider what impact fees should be charged to casino developers. The ordinance change will then go back to the joint council for a final vote.
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Business Report | February 2010
From left are Ashley Dorman, RN, ONC; Regina Newell, RN, ONC; Diane Wilson, RN ONC; and Beth Waite, ONC. All have earned a certification in working with orthopaedic patients.
Nurses earn orthopaedic certifcation
Four Beebe Medical Center nurses earned orthopaedic nursing certifications in 2009. All of these nurses are experienced in specialized care and treatment of orthopaedic patients and are assigned to the hospital’s dedicated orthopaedic wing – the James P. Marvel Jr. Wing. The four nurses are Ashley Dorman, RN, ONC; Regina Newell, RN, ONC; Beth Waite RN, ONC; and Diane Wilson, RN ONC.
Over the past four years HealthGrades has ranked Beebe Medical Center as a top orthopaedic program. For 2010, HealthGrades has ranked Beebe Medical Center among the Top 5% of all hospitals in the nation. According to HealthGrades, Beebe Medical Center is the only hospital in Delaware, Maryland and Virginia to receive 5-star ratings for all orthopedic procedures measured by HealthGrades.
Ashley Dorman has been a nurse in the Orthopaedic Wing for four years. Regina Newell serves as nurse manger. Diane Wilson has been with Beebe for seven years, and serves as the night charge nurse and also fills in as relief nursing supervisor. Beth Waite has been with Beebe for 14 years and also serves as night charge nurse.
Bordley wins Finance Recognition Award For her vital role in serving patients, helping her teammates and bolstering her department, Debbie Bordley is the winner of the Bayhealth Finance Recognition Award for the fall of 2009. Bordley serves as a Patient Accounting specialist, and is responsible for posting payments to patients’ accounts, processing refunds and handling transmittals from insurance companies. Bordley, who has 37 years of service in the Finance Department, began her Bayhealth career in 1973 as a unit clerk at Milford Memorial Hospital. In 1984, Bordley transferred to the Business Office where she served as credit clerk, cashier and billing representative. Twice a year, Finance Department employees may nominate one of their peers for the Bayhealth Finance Recognition Award. Then, the winner is decided in a popular vote by all Finance department employees. Each winner receives “Keys for Deeds” points, a commemorative plaque and the honor of being recognized by their peers. Business Report | February 2010
Pictured with the newest patient vehicle, from left, are: Mitt Murray; Gary Wheeler, Club House manager, Kings Creek Country Club; John Kiker; Frank Merolla, vice chairman, Jean & Joan Fund; Tillie McHugh, treasurer, Jean & Joan Fund; Thomas Steiner, COO, Beebe Medical Center; Jim Martin, chairman, Jean & Joan Fund; Cherrie Rich, executive director, Oncology Services at Beebe Medical Center; Mardee Corbett; and Senator Pete Schwartzkopf, honorary chairman of the Jean & Joan Golf Tournament.
Jean & Joan Fund raises over $32,000 The Jean & Joan Fund has supported cancer patients at Tunnell Cancer Center for more than a decade. At the Organization’s annual golf tournament held this past October at the Kings Creek Country Club, more than $32,000 was raised for Beebe Medical Center’s Tunnell Cancer Center. The group
also honored medical oncologist Srihari Peri, MD, medical director of the Tunnell Cancer Center, with a gift to the Cancer Center of $10,000 worth of platelet blood testing materials. This group has raised more than $250,000 for the Tunnell Cancer Center over the last decade. The fund has: supported the establish-
Beebe streamlines bills with online system Beebe Medical Center is offering an online payment program using ePayments & eStatements. Introduced last October, the program already has been used by more than 1,800 patients. ePayments and eStatements can be accessed on Beebe Medical Center’s Website www.mybeebe.org. Consumers
ment of the Jean & Joan Reflection Center at the Tunnell Cancer Center; purchased three vehicles used for transporting patients to and from their treatments; funded the building of the enclosure for the Tunnell Cancer Center Healing Garden; and donated to the Tunnell Cancer Center Patient Special Needs Fund.
click on the link “Pay Bill Online” on the top right hand side of the website and follow simple directions to pay a single bill or to enroll in the program so that they can access their statements. The secure program avoids payments being late or lost in the mail. It also creates an accurate and easily accessible payment record for patients. For more information, call Patient Financial Services at 302-645-3546.
H ave You B een D en ied SocialSecu rity or Veteran s’D isability B en efits? First 2010 baby On Jan. 2, 2010 at 1:57 p.m. Makenzie Aaliyah Graham was the first baby born at Nanticoke Memorial Hospital for 2010. Graham is the daughter of Amanda Mills and Mathew Graham. Nanticoke Memorial Hospital provided a gift basket, filled with baby necessities, to the family.
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Business Report | February 2010
24 Governor visits Nanticoke Memorial Delaware Governor Jack Markell and Director of the Delaware Economic Development Office, Director Alan Levin, got a first hand glimpse of progress recently at Nanticoke Memorial Hospital. They observed physical upgrades and met with new physicians and staff hired as a result of the loan provided by the Delaware Strategic Fund. Recently, Nanticoke has reopened the fifth floor medical/surgical unit, opened Nanticoke Pediatrics, purchased several pieces of medical equipment, and hired nine physicians, 39 employees, and one nurse practitioner. These improvements and upgrades have helped Nanticoke focus on patient care and quality. Over the past year, Nanticoke Memorial Hospital was reaccredited by The Joint Commission, became the first hospital in Delaware to have a Stroke Center with advanced certification from The Joint Commission, and was given accreditation with commendation by the American College of Surgeons’ Commission on Cancer. During the first quarter of 2010, Nanticoke plans to re-open the Hospital’s pediatric wing and purchase digital mammography equipment.
Delaware Governor Jack Markell got a first hand glimpse of Nanticoke Memorial Hospital’s recent progress on hospital upgrades and met with staff and physicians. From left are Steven A. Rose, Nanticoke Health Services president & CEO; Dr. Abimbola Olowo, Nanticoke Health Services hospitalist; and Delaware Governor Jack Markell.
Judi Tulak, MSN, RN, CHPN, recently celebrated 25 years of service with Delaware Hospice’s President and CEO Susan D. Lloyd, MSN, RN.
Tulak celebrates 25th anniversary
HOPE FOR NEEDY FAMILIES - Instead of traditional gift exchanges this year, the leadership team in the 1A Medical-Surgical Department at Kent General decided to give a gift that will offer hope for needy families around the world. Through Heifer International, the nurse leaders from 1A purchased four flocks of baby chicks (40-200 chicks). Heifer International will deliver the baby chicks to orphans in South Africa, families in the Caribbean and others in need in 125 countries including the United States. One chicken may lay up to 200 eggs per year. Families may use these eggs as food or may be able to sell the eggs for money. Pictured is the 1A nurse leadership team. Bottom, from left: Glenda Delacruz, BSN, RN; Jeanne Nichols-Willey BSN, RN-BC; Theresa Latorre-Tegtmeier, RN; Gifty Boateng, BSN, RN; Top, from left: Debbie Toner, RN-BC; Dione Franklin, BSN, RN-BC; Christina Carpenter, BSN, RN; Dianne Halpern, MSN, RN-CMNL. Business Report | February 2010
This past November, Judi Tulak, MSN, RN, CHPN, associate director of Milford Homecare, celebrated 25 years of service with Delaware Hospice. Tulak, of Sussex County, holds the honor of being the longest-serving Delaware Hospice staff member, and her contributions were recognized at the Staff Appreciation Dinner. President and CEO, Susan D. Lloyd, MSN, RN, said, “Judi is a true leader. She has played a significant role in the growth and development of this organization, from one end of the state to the other. She has been in a variety of roles within the organization and her attention to detail, kindness and sense of humor have helped us through many changes over the years.”
25 Tricarico named vice president
Nanticoke Memorial Hospital has named Donald J. Tricarico Jr., RN, MSA, CNOR, to the position of vice president of Clinical Operations. Tricarico joined Nanticoke Memorial Hospital on July 1, 2008 as director of Surgical Services. As vice president of Clinical Operations, Tricarico will play a critical role in the delivery of patient care services in collaboration with physicians and other health care providers. This includes planning strategic and operational issues, service design and resource allocation and leadership of staff. He will also coordinate assigned care areas to maximize patient services and outcomes and improve service. His background includes over 20 years in the military and private sector of healthcare. Six years before working with Nanticoke, he was the director of Surgical Services in a hospital that mirrors Nanticoke in both size and rural setting. Besides having a BSN from the University of Delaware, he has a master’s degree in administrative management, has his Certified Nurse Operating Room certification and has written several publications.
dignity of each patient. Peninsula Health recently opened a new walk-in clinic and walk-ins are welcome during regular business hours, Monday through Friday from 8 a.m. to 4:30 p.m. The pracSargent tice is accepting new patients. To reach the office, call 945-0440.
Quillen receives certification
Bayhealth Medical Center’s Clinical Research Nurse Mary Ella Quillen, RN, MSN, CCRP, of Dover has been certified as a Clinical Research Professional. A 26-year Bayhealth employee, Quillen has served as Bayhealth’s Clinical Research nurse in Bayhealth Oncology Services for the past two years. In this role, she assists Bayhealth physicians in matching patients with appropriate clinical trials, helping with the consenting process, managing regulatory documents, and follows the care of the
Spencer joins NHS
Nanticoke Health Services announces that Helen Spencer, RN, COHN-S, LNC has joined Nanticoke’s Occupational Health Services as administrative director, after having served as Nanticoke’s Occupational Health interim director. Spencer will be responsible for managing Occupational Health Services programs provided to Nanticoke Health Services and local area Spencer employers. Spencer, a Certified Occupational Health Nurse, comes to Nanticoke with over 30 years of occupational health experience. She graduated from St. Paul University in Manila, has worked for the federal government and as an occupational health nurse consultant and supervisor.
Dr. Sargent joins Peninsula Health
Dr. Keith Sargent recently joined Peninsula Health, a family and internal medicine practice, located near Oak Orchard on Route 24. He previously practiced in Georgetown. Dr. Sargent, who grew up in Delmar, studied at the Philadelphia College of Osteopathic Medicine. He uses a holistic approach and stresses the importance and
“Grams was always there for me. Delaware Hospice helped me be there for her.”
Call for Free Advance Directives
“My grandmother always treated me like the most important person on earth. So when she needed me, I wanted to care for her at home. Delaware Hospice was there for us. They gave me the strength and advice I needed, and they gave Grams the dignity and compassion she deserved.” Delaware Hospice is dedicated to providing high quality hospice care to patients and families in their home settings or at the Delaware Hospice Center. Let Delaware Hospice share the care. Call 800-838-9800 or visit delawarehospice.org
Business Report | February 2010
26 patient from treatment through follow-up. In her two years in this position, the number of Bayhealth patients enrolled in cancer clinical trials has tripled. “The more we learn about the biology of cancer, the more Quillen important the clinical trials are so we can fine-tune treatment for the best option for the patient,” she said. Before joining Bayhealth Oncology Services, Quillen worked as a nurse in other areas of the hospital, including medical-surgical, IV therapy, endoscopy and education. She received her nursing diploma from Delaware Technical & Community College, her bachelor’s degree in nursing from the University of Delaware and her master’s degree in nursing from Wesley College. Quillen and her husband Ray enjoy spending time with their daughters and grandchildren.
Popelas receives certification
Bayhealth Clinical Pharmacist Carl Popelas, PharmD, BCOP, of Milford has passed the exam to become a board-certified oncology pharmacist. The certification is offered through the American College of Clinical Pharmacy and the American Society of HealthSystem Pharmacists, who together have a Board of Pharmaceutical Specialties, which Popelas recognizes five specialty practice areas and administers the exam for each. Popelas received his doctorate and his bachelor’s degree in pharmacy from the Philadelphia College of Pharmacy and Sciences. He serves on Bayhealth’s Cancer Committee, Chemotherapy Safety Workgroup and the Pharmacy and Therapeutic Committee. He and his wife Cindy have a three-and-a-half-year-old daughter, a two-year-old son and a new baby due in early March.
Bayhealth welcomes Dr. Pathak
Bayhealth Medical Group of Bayhealth Medical Center welcomes endocrinologist Sonal Pathak, MD, CCD, to Bayhealth Endocrinology of Milford. Sonal Pathak, MD, CCD, is accepting new patients. She offers specialized services in the branch of medicine dealing Business Report | February 2010
with the disorder of the endocrine system and its specific secretions called hormones. Dr. Pathak recently completed a fellowship in endocrinology at Nassau University Medical Center in East Meadow, N.Y, where Pathak she also completed an internal medicine residency and served as chief resident. She received her medical degree and completed a rotating internship at Netaji Subhash Chandra Bose Medical College in India. Board-certified by the American Board of Internal Medicine, Dr. Pathak is also certified by the International Society for Clinical Densitometry as a Certified Clinical Densitometrist (CCD). She is a member of The Endocrine Society, the American Association of Clinical Endocrinologists and the American Thyroid Association. Dr. Pathak’s office is located at 305 Jefferson Ave. in Milford. To schedule an appointment, call 302422-1251.
Isherwood named supervisor
Bayhealth Medical Center’s Patricia Isherwood of Magnolia has been named Oncology Business supervisor for Bayhealth Medical Center. In her new role, Isherwood supervises front office operations for Bayhealth’s medical oncology physician Isherwood practices, helps staff obtain authorizations and reduce denials and works to enhance patient satisfaction. Isherwood began her Bayhealth career in 1999 as a Health Information assistant in the Lab. She next worked as a Managed Care specialist in the Finance Department before being promoted to Guest Relations manager in 2003. Isherwood received her bachelor’s degree in business management and her master’s degree in business administration from Wilmington University. She is a member of the American College of Healthcare Executives. She and her husband Jason have a three-year-old son, Alexander.
Hess receives certification
Bayhealth Medical Center’s Cancer Screening Nurse Navigator Paula Hess, MSN, RN, OCN, of Camden has been certified by the Oncology Nursing
Certification Corporation (ONCC) as an oncology certified nurse (OCN). ONCC certification programs are vigorous and meet national recognized standards that measure oncology nursing knowledge. Hess A Bayhealth employee for 13 years, Hess is Bayhealth’s Cancer Screening nurse navigator. She concentrates on outreach and education programs encouraging people to get screened for cancer and navigates people through the screening process. She previously served as Bayhealth’s cancer educator and as a staff nurse. Hess received her master’s degree in nursing and her associate’s degree in nursing from Wesley College and her bachelor’s degree in music education from Mansfield University in Mansfield, Pa. She is a member of the Delaware Nurses Association, the American Nurses Association, Oncology Nursing Society and Sigma Theta Tau International Honor Society of Nursing. In 2009, she received the American Cancer Society award for Excellence for Mission Delivery. A Delaware resident since 1994, Hess and her husband Kiel have been married for 29 years and have three children.
Dr. Ankomah joins Bayhealth
Bayhealth Medical Group of Bayhealth Medical Center welcomes family physician Patience A. Ankomah, MD, to Bayhealth Family Practice of Dover. Dr. Ankomah is accepting new patients. Her medical services include care for children (starting from birth), adult care and women’s health care. Ankomah After receiving her medical degree from the University of Ghana Medical School in Ghana, she completed a residency in family medicine at St. Francis Hospital in Wilmington. Board-eligible in family medicine, Dr. Ankomah is certified in Advanced Cardiac Life Support, Basic Life Support and Neonatal Advanced Life Support. She is a member of the National Academy of Family Physicians and the Newcastle Academy of Family Physicians. Dr. Ankomah’s office is located at 200 Banning St. in Dover, Suite 150. To schedule an appointment, call 302-7347834.
business licenses Bridgeville Williamson, Ronald E.; 20700 Camp Rd., Bridgeville; reconciliation purpose code Camden Contemporary Nutrition; 379 Walmart Dr., Ste. 1, Camden; professional and/or personal services Delmar Big Rig Sales LLC; 36427 Sussex Hwy., Delmar; motor vehicle dealer Get-N Grounded Cafe; 11133 Iron Hill Rd., Delmar; retailer-restaurant Dover Anonymuz Soul LLC; 430 College Rd., Dover; reconciliation purpose code Bolig, Darlene; 136 Crescent Dr., Dover; professional and/or personal services-unclassified Carlson, Patricia W., Patricia W. Carlson Educ. Service; 400 Troon Rd., Dover; professional and/or personal services Castor Wipes LLC; 339 Crickle Creek Ln., Dover; retailer-various products Davis Financial Services; 154 Lexington Pl., Dover; professional and/or personal services DKB Hydroseeding & Landscaping Inc.; 81 Rye Oak Ct., Dover; professional and/or personal services-unclassified Ethiopia Entertainment; 7 Fair Wind Pl., Dover; personal services-entertainment agent Gilmore Nyrhee, Priority Tax Prep; 71 King Henry Ct., Dover; professional and/or personal services-unclassified Holsey Enterprise Auto Rntl LLC; 1418 S. State St., Dover; reconciliation purpose code Hurd’s Painting LLC; 459 Winding Creek Rd., Dover; contractor-residential Lifetime Wellness of DE Inc.; 1012 S. State College Rd., Ste. 103, Dover; personal serviceshealth club/spa Lunch Box, The LLC; 27 W. Loockerman St., Dover; contractor-residential Marcelin, Patrick, Nubian Hair Design; 231 W. Loockerman St., Dover; personal servicesbeautician Moore Consulting LLC; 84 Bently Ct., Dover; reconciliation purpose code PSP LLC; 111 Gleenwood Ave., Dover; reconciliation purpose code Rockhouse Yoga LLC; 250 Gateway South Blvd., Dover; professional and/or personal services Shoe Fashion Outlet; 31 W. Loockerman St., Dover; retailer-various products SNT LLC, First State Inn; 1760 N. Dupont Hwy., Dover; reconciliation purpose code Solar Unlimited North America; 4621 N. Dupont Hwy., Dover; reconciliation purpose code Georgetown Beauty Land II, LLC; 26 Georgetown Plz., Georgetown; retailer-various products Elliott III, William J., Elliott’s Cleaning Services; 13405 Cokesbury Rd., Georgetown; professional and/or personal services-unclassified Issacs, William, Issacs Farms & Markets; 20980 Dupont Blvd., Georgetown; retailervarious products Jennifer A. Lynch, P.C., Jackson Hewitt Tax
Service-G; 4 Georgetown Plaza, Georgetown; professional services-income tax consultant JLS Property Investments, LLC; 117 S. Bedford St., Georgetown; commercial lessor Martinez, Marco A., Liams Trucker LLC; 5 Maple St., Georgetown; contractor-residential MDI Contractors Inc.; 16500 Seashore Hwy., Georgetown; contractor-residential Stayton and Dickens LLP; 117 S. Bedford St., Georgetown; professional services-CPA Greenwood Baynard Radiology LLC; 1191 Deep Grass Ln., Greenwood; reconciliation purpose code Burkholder Buildings LLC; 12680 Mennonite School Rd., Greenwood; contractorresidential Easy Lawn Hydroseeding Systems; 9599 Nanticoke Business Park Dr., Greenwood; manufacturer-various products/wholesalermachinery equipment & supplies Nanticoke Business Park LLC; 9599 Nanticoke Business Park Dr., Greenwood; commercial lessor Vazquez, Stacey L., Shalom Trucking; 9185 Shawnee Rd., Greenwood; drayperson/mover Harrington Around the House LLC; 1072 Cornish Rd., Harrington; contractor-residential Gullwing Contracting Inc.; 728 Toby Collins Ln., Harrington; contractor-residential Shore Media; 220 Friendship Village Dr., Harrington; advertising agency Laurel Barry Dukes II; 28417 Dukes Lumber Rd., Laurel; professional and/or personal servicesunclassified BRYSI Services; 11579 County Seat Hwy., Laurel; professional and/or personal services Delmarva Homes and Gardens; 127 Oak Lane Dr., Laurel; contractor-residential State Line Plumbing LLC; 212 Laureltowne, Laurel; contractor-residential Lewes 2 Uncles Inc., JD’s Filling Station; 329 Savannah Rd., Lewes; retailer-restaurant Bennett A. Judson; P.O. Box 615, Lewes; contractor-residential C Minus Images LLC; 23398 Boatmans Ct., Lewes; photographer Clark Cohalan Collaborative; 102 Savannah Rd., Lewes; professional and/or personal services EEO Impact LLC; 16857 Black Marlin Cir., Lewes; reconciliation purpose code Hannon, Patricia A., Patricia Hannon MSW; 1307 Savannah Rd., Lewes; professional and/or personal services Kupchinski, Theresa, A Woman’s Touch Cleaning Services; 7 Blackwood Dr., professional and/or personal services Seacoast Salon, 18388 Coastal Hwy., Unit 2, Lewes; personal services-beautician Shabazz, Elizabeth S., Exceptional Typing Unltd.; 32117 Jimtown Rd., Lewes; professional and/or personal services-unclassified Shamrock Services LLC, Shamrock Taxi; 825 Kings Hwy., Apt. 904, Lewes; reconciliation purpose code Thomas, Ryan A., Del Coast Property Improvements; 39 Aintree Dr., Lewes; contrac-
tor-residential Woodward, David Thomas, D.T. Woodward Associates; 20414 John J. Williams Hwy., Lewes; contractor-residential Milford Dev 1 Inc., Sunoco; 350 Milford Harrington Hwy., Milford; tobacco products retailer Dynamic Solar LLC; 203 NE Front St., Milford; reconciliation purpose code Eagle Contracting, Inc.; P.O. Box 66, Milford; contractor-residential Jennifer A. Lynch, P.C., Jackson Hewitt-Tax Service-M; 623 N. Dupont Blvd., Milford; professional services-income tax consultant Lewis, Cortney Lorraine, 2 Dye 4; 292 Milford Harrington Hwy., Milford; professional and/or personal services-unclassified M&K Investments Inc., Advanced Looks; 1794 Thompsonville Rd., Milford; contractorresidential Wilkins, Beau, Wilkins Motorsports; 6434 Old Shawnee Rd., Milford; manufacturer-metal (primary) and fabricators Millsboro Anita Morgan; 31079 Crepe Myrtle Dr., Unit 136, Millsboro; professional and/or personal services Paramount Home Sales LLC; 28408 Dupont Blvd., Millsboro; motor vehicle dealer Rylarma Inc.; 25928 Atlas St., Millsboro; retailer-electrical goods Sanchez, Jose LLC; 30914 Mimosa Ln., Millsboro; reconciliation purpose code Wilson, Kimberly L., Property Inventory Professionals; 202 W. Bourne Way, Millsboro; professional and/or personal services-unclassified Workman, Wade; 10100 Saw Mill Way, Millsboro; professional and/or personal services Seaford A Hat a Day; 8818 Weeping Willow Trl., Seaford; advertising agency Banks, Craig T.; 22072 Hill Rd., Seaford; reconciliation purpose code Gillespie, Lomar T., Wet Tech Powerwashing; 25163 Pine Rd., Seaford; professional and/or personal services-unclassified McCabe, Joseph M., Plantscape; 704 S. Market St., Seaford; professional and/or personal services-unclassified Quest Diagnostics Clinical Lab Seaford; 808 Middleford Rd., Ste. 5, Seaford; professional services-scientific laboratory SunDragon Martial Arts; 380 Graham Branch Rd., Seaford; personal services-art school Trice, Ronald J., Ronald J. Trice LLC; 8487 Hearns Pond Rd., Seaford; contractor-residential Smyrna Bowens, Marla D., Editing Solutions; 63 Zelkova Rd., Smyrna; professional and/or personal services-unclassified Bruce Honaker Residential Electr.; 4970 Dupont Hwy., Smyrna; contractor-residential Geenam, Poormansprenup.com; 59 E. Braeburn Dr., Smyrna; broker Ridgewood Home Sales LLC; 3023 S. Dupont Blvd., Smyrna; motor vehicle dealer Business Report | February 2010
28 ACCOUNTANTS / BUSINESS VALUATION Horty & Horty, P.A. Doug Phillips, Director, CPA 302-730-4560 Fax 302-730-4562 www.horty.com firstname.lastname@example.org 3702 N. Dupont Hwy. Dover, DE 19901
ADVERTISING Morning Star Business Report Laura Rogers or Doris Shenton 302-629-9788 Fax 302-629-9243 msbusinessreport.com email@example.com PO Box 1000, 628 W. Stein Hwy. Seaford, DE 19973
ADMINISTRATIVE ASSISTANT Sharen E. Hagerty CPS/CAP 302-536-1445 Fax 302-536-1547 firstname.lastname@example.org 117 William Ross Lane Seaford, DE 19973
ARCHITECTS & ENGINEERS A-ES ArchiTech, LLC Eric A. Booth Thomas D. Plotts 410-543-4595 Fax 410-543-4898 aesarchitech.com email@example.com firstname.lastname@example.org 110 W. Church St. Salisbury, MD 21801 George, Miles & Buhr, LLC Michelle Everngam 302-628-1421 Fax 302-628-8350
Business Report | February 2010
business directory gmbnet.com email@example.com 400 High St. Seaford, DE 19973 George, Miles & Buhr, LLC Michelle Everngam 302-645-1944 Fax 302-645-2236 gmbnet.com firstname.lastname@example.org 1143 Savannah Rd., Suite 1 Lewes, DE 19958
BUSINESS & INDUSTRY STAFF DEV. TRAINING S.C.O.R.E. Kent County Herb Konowitz 302-745-1315 Sussex County Ed Heath 302-956-0155 scoredelaware.org HKonowitz3@comcast.net email@example.com
CABINETRY U. L. Harman, Inc. Delores Bowles Jeff Riddleberger 800-346-4887 302-492-3456 Fax 410-482-8879 www.ulharman.com firstname.lastname@example.org PO Box 56 Marydel DE 19964
CHAMBER OF COMMERCE Central Delaware Chamber of Commerce Sandy Dale 302-734-7513 Fax 302-678-0189 cdcc.net email@example.com 435 N. DuPont Hwy. Dover, DE 19901
Georgetown Chamber of Commerce Karen Duffield 302-856-1544 Fax 302-856-1577 georgetowncoc.com firstname.lastname@example.org 140 Layton Ave., PO Box 1 Georgetown, DE 19947 Lewes Chamber of Commerce Betsy Reamer 302-645-8073 Toll Free 877-465-3937 Fax 302-645-8412 leweschamber.com email@example.com P.O. Box 1, 120 Kings Hwy. Lewes, DE 19958
302-629-9690 Fax 302-629-0281 seafordchamber.com firstname.lastname@example.org 304A High Street Seaford, DE 19973
Greater Millsboro Chamber of Commerce Fran Bruce 302-934-6777 Fax 302-934-6065 millsborochamber.com email@example.com P.O. Box 187 Millsboro, DE 19966
Milton Chamber of Commerce Georgia Dalzell 302-684-1101 707 Chestnut St. P.O. Box 61 Milton, DE 19968 Rehoboth-Dewey Chamber of Commerce Carol Everhart 302-227-6446 800-441-1329 ext. 13 Fax 302-227-8351 beach-fun.com firstname.lastname@example.org 501 Rehoboth Ave. Rehoboth Beach, DE 1997 Greater Seaford Chamber of Commerce Paula Gunson
COMPUTERS Z-Tronix Computers & Software Alan Stolzenbach 302-628-9661 Fax 302-628-7733 McbeeWeb.com/Ztronix email@example.com 22876 Sussex Highway, Unit 7 Seaford, DE 19973
University of Del. Div. of Prof. & Continuing Studies Tara Kee 866-820-0238 Fax 302-831-3292 continuingstudies.udel.edu firstname.lastname@example.org Carter Partnership Center Del Tech Owens Campus Georgetown, DE 19947
ENVIRONMENTAL Delaware Solid Waste Authority Wendy Pizzadili 302-739-5361 Fax 302-739-4287 dswa.com email@example.com 1128 S. Bradford St., PO Box 455 Dover, DE 19903
EMPLOYMENT Essential Staffing Inc. Best Temps of Dover Patsy Ware 302-674-4357 Fax 302-674-4878
29 firstname.lastname@example.org 385 W. North St., Suite A Dover, DE 19904
FINANCIAL Bank of Delmarva Scott Rukowicz 302-875-5901 Fax 302-875-1766 bankofdelmarva.com srukowicz@bankofdelmarva. com 200 East Market St. Laurel, DE 19956 County Bank 9 Sussex County Locations www.CountyBankDel.com Rehoboth Beach Branch 302-226-9800 Fax 302-226-3182 19927 Shuttle Road Rehoboth Beach, DE 19971 Long Neck Branch 302-947-7300 Fax 302-947-7303 25933 School Lane Millsboro, DE 19966 Milford Branch 302-424-2500 Fax 302-424-2265 100 East Masten Circle Milford, DE 19963 Seaford Branch 302-628-4400 Fax 302-628-4405 632 West Stein Highway Seaford, DE 19973 Millville Branch 302-537-0900 Fax 302-537-0905 10 Old Mill Road Millville, DE 19967 Georgetown Branch 302-855-2000 Fax 302-855-2005
13 N. Bedford Street Georgetown, DE 19947 Laurel Branch 302-877-5000 Fax 302-877-5005 1122 S. Central Ave. Laurel, DE 19956 Lewes Branch 302-645-8880 Fax 302-645-0888 1609 Savannah Road Village of Five Points Lewes, DE 19958 Milton Branch 302-684-2300 Fax 302-684-2305 140 Broadkill Road. Milton, DE 19968 Del One 7 Statewide Locations Debbie Jewell 302-672-1492 Fax 302-739-1790 Del-One.org debbie.jewell@Del-One.org 270 Beiser Blvd. Dover, DE 19904 Delaware State Police Federal Credit Union Stephen Cimo 302-856-3501 ext. 120 Fax 302-856-2539 www.dspfcu.com email@example.com PO Box 800 Georgetown, DE 19947 Discover Bank Sherry Berman 302-349-4512 Fax 302-349-4578 www.myDiscoverbank.com firstname.lastname@example.org P.O. Box 2003 Greenwood, DE 19950
Seaford Federal Credit Union Mary Adams 302-629-7852 Fax 302-629-9125 www.seafordfcu.com email@example.com Seaford Professional Center Rt. 13 South Seaford DE 19973 Sussex County Federal Credit Union Becky Madden Pamela Fleuette - CEO John Lewis - Chairman 302-629-0100 ext. 142 Fax 302-629-2583 www.sussexcfcu.com firstname.lastname@example.org PO Box 1800 1941 Bridgeville Hwy. Seaford, DE 19973
FUNERAL SERVICES Watson Yates Funeral Home Gary Yates 302-629-8561 Fax 302-629-7961 Front & King St. Seaford, DE 19973
GRAPHIC/WEBSITE DESIGN Dean Design/ Marketing Group Jane E. Dean 302-674-5007 877-407-9800 Lincoln, DE Fax 717-898-9570 www.deandesign.com email@example.com 13 Water St. Lincoln, DE 19960 Hamilton Associates Herb G.Quick Jocelyn K. Quick 302-629-4949 Fax 302-629-4949
www.hamiltongraphics.com firstname.lastname@example.org PO Box 1431 Seaford DE 19973
Health Beebe Medical Center Nancy Cummings 302-645-3300 Fax 302-644-9032 www.beebemed.org email@example.com 424 Savannah Rd. Lewes, DE 19958-0226 Heritage At Milford Assisted Living Community Genesis HealthCare Cheryl Stover 302-422-8700 Fax 302-422-8744 www.genesishcc.com firstname.lastname@example.org 500 South DuPont Blvd. Milford, DE 19963 Nanticoke Health Services ReneĂŠ Morris 302-629-6611 Fax 302-629-2493 www.nanticoke.org email@example.com 801 Middleford Rd. Seaford, DE 19973 Bayhealth Medical Center Milford Memorial Hospital Ellen Shockley 302-430-5034 Fax 302-430-5946 bayhealth.org firstname.lastname@example.org 21 W. Clarke Ave. Milford, DE 19968
INSURANCE Farnell & Gast Insurance Joe Gast, CPCU 302-629-4514
Business Report | February 2010
MEDICAL TRANSPORT Lifestar Ambulance Mike Parker 800-572-9838 410-546-0809 Fax 410-860-5260 lifestarambulance.com mike@lifestarambulance. com 1024 S. Tower Dr. Salisbury, MD 21804
MORTGAGES The Mortgage Market of Delaware JoAnn Moore 302-422-4414 Cell 302-236-1229 Fax 302-422-4494 themortgagemarketof delaware.com 401 S. Dupont Boulevard Milford, DE 19963
Business Report | February 2010
PHOTOGRAPHY Eric Crossan Studios Eric Crossan 877-302-7821 Fax 877-302-7821 ericcrossan.com (through website) Serving All Delmarva
PORTRAITS Portraits In The Sand Dave Koster 302-226-9226 Fax 302-226-8424 PortraitsInTheSand.com email@example.com 110 White Oak Rd. Rehoboth Beach, DE 19971
REAL ESTATE Coldwell Banker Commercial Resort Realty 302-227-5000 Fax 302-227-5008 cbankercommercial.com 20814 Coastal Hwy. Rehoboth Beach, DE 19971 Long & Foster Real Estate, Inc. Ethel M. Lewis 302-227-2541 ext. 470 800-462-3224 Fax 302-227-8165 longandfosterde.com firstname.lastname@example.org
TATTOO STUDIO Ancient Art Tattoo Studio, Inc. Peggi Hurley 302-644-1864 ancientarttattoo.net email@example.com 34410 Tenley Ct. #1 Lewes, DE 19958
D i r e c to ry TELEPHONE SYSTEMS
STOP WASTING VALUABLE TIME telepathynetworks.com firstname.lastname@example.org
Delmarva Digital Tim Smith 302-875-7700 Fax 302-875-8288 www.ddmg.net email@example.com 218 Laureltowne Laurel, DE 19956
Payroll Professionals Donna Petranto 302-645-5700 302-645-0395 firstname.lastname@example.org 1636-D Savannah Rd. Lewes, DE 19958
720 Rehoboth Ave. Rehoboth Beach, DE 19971 Coldwell Banker Resort Realty Skip Faust 302-227-5000 office 302-745-8764 cell Fax 302-227-3804 skipfaust.com email@example.com 20184 Coastal Hwy Rehoboth Beach, DE 19971
Get Good Stuff
INTERNET SERVICE & WEB PAGE DESIGN
800-966-4514 Fax 302-536-6257 www.cfmnet.com firstname.lastname@example.org 500 W. Stein Highway Seaford, DE 19973 Clifford Short Insurance Cliff Short 302-856-7773 Fax 302-856-7943 email@example.com 606 East Market St. Georgetown, DE 19947
UTILITIES Artesian Water Company George Phillips 302-453-6900 302-684-2527 800-332-5114 Fax 302-453-6957 Fax 302-684-5164 artesianwater.com firstname.lastname@example.org 664 Churchman’s Rd. Newark, DE 19702 28322 Lewes Georgetown Hwy., Unit 4, Milton, DE 19965 Tidewater Utilities Gerard Esposito 800-523-7224 302-734-7500 Fax 302-734-9297 tuiwater.com email@example.com 1100 S. Little Creek Road Dover, DE 19901
KITCHEN & BATH
26836 Lewes Georgetown Hwy. Harbeson, DE 19951
(302) 684-5961 ext. 2 cell (302) 293-4113 www.bathkitchenandtile.com
No one ever said ~
Advertise in the March & April editions of the Business Report and advertise in May for
Contact Laura Rogers or Doris Shenton for details.
email firstname.lastname@example.org Deadline Feb. 10
We’ve joined forces to bring nationally recognized cancer care to Seaford. Nanticoke Memorial Hospital has partnered with Peninsula Regional’s Richard A. Henson Cancer Institute to offer high-quality cancer services in Seaford. Area cancer patients now have convenient access to a wide range of services: • A full suite of therapeutic services, including medical and radiation oncology and infusion services • Community and prevention education, plus Screening for Life • The latest diagnostic technologies • Oncology research and clinical trials • Additional support services
For more information, call 302-628-6344 or visit www.nanticoke.org.
Always Caring. Always Here.
Published on Mar 15, 2011
Published on Mar 15, 2011
February 2010 edition - Morning Star Business Report is published by Morning Star Publications, publishers of the Seaford Star, Laurel Star,...