Business Report MARCH 2010
Overwhelmed by tax time? We can help.
Hidden Treasure Genaâ€™s Steaks
X Georgetown, Delaware Be a part of it
Morning Star Publications is producing the Greater Georgetown Chamber of Commerce 2010-11 edition of the Visitors’ Guide and Membership Directory. Every visitor and relocation information packet mailed out by the chamber will include this publication. Recruitment eﬀorts by local businesses, school systems and assisted living facilities include the publication as well. Make sure you’re a part of it. Members of the Georgetown chamber receive a 10% discount.
Call 302.629.9788 for details or email email@example.com Business Report | March 2010
Bayhealth Is Top-Ranked for Cardiac Surgery!
We’re number in Delaware.
We couldn’t be more proud. When it comes to your health, you deserve the best. And, when it comes to Cardiac Care, that means Bayhealth Medical Center. HealthGrades®, the independent healthcare ratings company, ranks Bayhealth #1 in Delaware for Cardiac Surgery and Overall Cardiac Services. Bayhealth has better than expected patient outcomes! Bayhealth is also Five-Star Rated for valve replacement surgery, treatment of heart attack, and treatment of heart failure.
Find out more by visiting www.bayhealth.org. At Bayhealth ...We’re here for life.
Business Report | March 2010
03 / 10
BUSINESS TAXES You get what you pay for. BY CAROL KINSLEY
HIDDEN TREASURES CAROL KINSLEY discovers Gena’s Steaks
17 11 20 24
9 Business Report | March 2010
INVESTING Make your estate plan disaster-proof BY JOY SLABAUGH
SOCIAL MEDIA The DSCC is hosting a panel discussion on how to utiize social media
5 Classes for female entrepreneurs on agriculture business Janet Mitchell, along with her husband, Jim, operate Woodside Farm Creamery, a successful small farm in Hockessin that serves homemade ice cream made with milk from the farm’s herd of Jersey cows. In addition, Mitchell is a smallanimal veterinarian in a busy suburban practice. Thus, Mitchell knows more than a little about ag business. Nonetheless, she says she’s eager to take part in “Annie’s Project,” a national program that teaches female entrepreneurs about agriculture-related business. The program was recently unveiled in Delaware by the University of Delaware Cooperative Extension. “Annie’s Project began as a way to empower farm wives,” says Anna Stoops, the Cooperative Extension agricultural agent for New Castle County. “It was designed for women who work with their husbands on family farms to help take them to the next level of knowledge. But the program is equally appropriate for those who have never been a part of agriculture but would like to be.” The eight-week series, which will be offered in Sussex and New Castle counties, gives women an overview of the ins and outs of ag business, focusing on five key area of risk management: production, marketing, financial, legal and human resources. Stoops knows something about strong farm women from watching her grandmother and mother work on her family farm’s in Smyrna. Her mother, Helen Armstrong, continues to operate that farm today with husband, Larry. “Growing up, I saw my grandmother, and then my mother, make important decisions about the direction of the farm and serve as equal partners in the business,” says Stoops. “In particular, I recall how my mother was the driving force behind a change in strategic direction from lamb to beef production several decades ago. That decision turned out to be a very profitable one.” Helen Armstrong will be one of the guest speakers at the eight-week series. Other guest experts include a lawyer who specialized in farmland transfers and estate planning, experts on insurance and representatives from the Farm Service Agency.
The program began Wednesday, Jan. 27 and runs through March 17. In New Castle County, it is being offered at the New Castle County Extension office in Newark. In Sussex, it is being offered at UD’s Elbert N. and Ann V. Carvel Research and Education Building in Georgetown. Late registrants will be accepted if space allows.
For more information about the northern Delaware class, call Stoops at 302-831-COOP or email stoops@ udel.edu. For more information about the southern Delaware class, call Tracy Wootten at 302-856-7303 or email her at firstname.lastname@example.org.
Thanks to WaterFurnace, many smart homeowners no longer dread receiving their monthly utility bills. That’s because a WaterFurnace geothermal comfort system uses the clean, renewable energy in your own backyard to provide savings of up to 70% on heating, cooling and hot water. With the skyrocketing price of fossil fuels, it’s a smart decision now and for years to come. So relax, and take control of those utility bills. For more than 20 years, A&A Air Services has been Delmarva’s first choice for geothermal solutions! Call us today for a free, no obligation energy analysis to learn how you can benefit with a new WaterFurnace system in your home.
Mention this ad for details on a FREE Aprilaire® Model 5000 Electronic Air Cleaner and our special financing.
On the web at AACompanies.com
Visit us at waterfurnace.com WaterFurnace is a registered trademark of WaterFurnace International, Inc.
Business Report | March 2010
from the editor
Vol . 13 No. 6
A growing sense of frustration
he sense of frustration that Americans feel towards the Government is palpable nowadays. Of course congressional approval ratings have rarely climbed above 50%, but there really does seem to be an unprecedented and growing sense of frustration and Congress does not seem to be getting the message. Republicans, it seems, think that the frustration is with the Democratic majority, but I donâ€™t think this is the case. I believe that the frustration is with both parties. I have always felt that politicians were all about scoring rhetorical points and demonizing the other side, but it seems that they used to be better at keeping up a facade of appearing to be actually concerned about their constituents. Now, it no longer seems like they are trying. A report put together by the liberal group Think Progress, which can be found at http://thinkprogress. org/touting-recovery-opposed/, demonstrated that while Republicans are railing against the stimulus package, they have no problem going back to their home states to take credit for the money that is being doled out. Democrats on the other hand seem to be unwilling to face up to the fact that government programs are going to need to be cut in order to pay off the massive debt that our country is accumulating. For the longest time, Americans have been told that we only have two choices when it comes to an election â€“ Republican or Democrat. We have been told that it is a waste of a vote
to choose a third party candidate. I am beginning to wonder if it isnâ€™t time for this notion to change. If you are a fiscal conservative who is concerned about the escalating debt and increasing amounts of government spending, what choice do you have? Republicans give lip service to the idea that they are the party of financial responsibility with a belief in smaller government, but in reality neither party seems ready to make the necessary cuts in order to reduce our national debt. If you believe in equality and civil rights for all citizens, what choice do you have? Democrats claim to be the party that will uphold civil rights, but once elected, these issues always seem to become secondary. Both parties also seem more ready to fight one another rather than work together to come up with solutions to our problems. Perhaps the frustration of the American people has gotten to the point where it must be noticed by our representatives. Perhaps the tide will begin to change in Washington. The biggest fear that I have is that politicians will simply take advantage of this frustration we have and a new breed of politicians will win our votes with the promise of changing the tone in Washington, only to continue politics as usual once elected. I do remain hopeful, though, because I know that our form of government was set up so that when we recognize that something needs to change, we have the power to do something about it through the election process.
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 | March 2010
934-6777 Fran Bruce
684-1101 Georgia Dalzell
* 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.
DSCC locks in electricity rates Delaware State Chamber of Commerce (DSCC) members locked in a three-year fixed rate electricity supply contract below their current expiring contract and approximately 15 percent below Delmarva Power’s current default tariff supply rates. The 38-month contract was signed on Jan. 11. DSCC members took advantage of an electricity buying group that included members of the Rehoboth-Dewey Chamber of Commerce and the Delaware Restaurant Association. The combined electricity buying group was managed by DSCC member Ed Jackson of Affinity Energy Management and included more than 30 individual business accounts.
Indoor Garage Sale planned
Looking for a treasure? Find antiques, collectibles, second hand household or handmade items at Merchants’ Attic II from 9 a.m. to 1 p.m. on Saturday, March 20, at the Rehoboth Beach Convention Hall. Admission is free but donations to the Chamber’s event fund are appreciated. For more information, call Carol at the Rehoboth Beach-Dewey Beach Chamber of Commerce at 302-2276446 or 800-441-1329, ext. 0.
The group is expected to save more than $225,000 over the three-year term as compared to Delmarva Power’s current rates. Working through Affinity Energy Management, business members signed contracts with Washington Gas Energy Services to supply electricity for three years starting in February at a fixed price of $0.09539/ kwhr. The projected savings per Chamber member is in excess of $12,000 over the three-year period, however, each individual member’s savings will vary depending on their specific electric use and the tariff price paid to Delmarva Power prior to the switch
to the new contract rate. DSCC worked with Jackson to design and implement the electricity buying group program. After several rounds of competitive bidding, Washington Gas Energy Services was awarded the contract for the entire buying group on Jan. 11. “We’re delighted to find savings for our members of nearly 15 percent as well as eliminate the risk of electric rate increases over the next three years,” said DSCC Sr. Vice President Sharon Reardon. “The annual savings for each business is well beyond a complete return on their investment in Chamber membership.”
GREATER GEORGETOWN Chamber of Commerce
Visit us on the web: www.georgetowncoc.com
460 Members & Growing!
302-856-1544 | email@example.com
March 3 - 1st Wed. - Economic Development Council Meeting - 12 p.m. - Train Station, lunch provided March 3 - 1st Wed. - Board of Directors Meeting - 4 p.m. - Georgetown Train Station March 10 - 2nd Wed. - Chamber Breakfast - 7:30 a.m. - The Brick - Historic Restaurant & Tavern, Special Guest Speaker Bill Satterfield of the Delmarva Poultry Industry - $9 per person at the door. RSVP by Tues, March 9th to 856-1544 March 11 - Wings & Wheels Committee Meeting - 3:00 p.m. - Sussex County Airport - Please come and join this hardworking, plane/car loving committee! March 17 - 3rd Wed.- Chamber Mixer - 4:30 p.m. - 6:30 p.m. - Host: Fast -teks!; 22440 Lewes-Gtown Highway, Georgetown March 24- 4th Wed.- Informational Lunch Meeting - 12:00 noon - CHEER Center - Special Guest Tina Shockley of DelDOT - $10 per person at the door. RSVP by Tues., Mar. 23 to 856-1544. March 27- Annual Easter Egg Hunt - 11:00 a.m. - 1:00 p.m. - Nutter Marvel Museum - Egg Hunt; Arts & Crafts; Moon Bounce; Pictures with the Easter Bunny; and much more! Please call 856-1544 for more information.
Business Report | March 2010
Owners Andy Herrick and Bill Quirk announce the grand opening of CPS Medical Equipment and Supply, located at 18908 Rehoboth Mall Blvd., Rehoboth Mall, Rehoboth Beach. CPS Medical Equipment and Supply specializes in medical equipment and supplies, medical equipment rentals and medical supplies and fittings. The store is open Monday through Friday, 10 a.m to 5 p.m. and Saturday, 10 a.m. to 1 p.m. Appointments are available. For more information, call 302-645-1744 or visit www.cpsmedicalsupply.com.
Delaware State Chamber of Commerce
LEGISLATIVE BRUNCH & MANUFACTURING CONFERENCE Morning Keynote: Bernhard Koehler Chief Operating Officer Fisker Automotive, Inc.
Lunch Keynote: Jack Markell Governor State of Delaware
Business Report | March 2010
Meet and share issues and goals with Delaware legislators and business leaders at this annual State Chamber event.
WEDNESDAY, MARCH 24, 2010 9:00 A.M. â€“ 1:00 P.M. SHERATON DOVER HOTEL $50.00 Members â€˘ $75.00 Non-members Member exhibit tables: $175/no electric; $250/with electric Non-member exhibit tables: $275/ no electric; $350/ with electric Register online at www.dscc.com For more information, call Liz Pretz at (302) 655-7221 Sponsorships available
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 Highway, Rehoboth Beach. The full service spa offers body relaxation massage and renewal therapies, signature facials and skin repair treatments, manicures, pedicures and gel nail enhancements. The hair salon offers the latest cutting and coloring techniques. Their Greenville location has been known as a premiere salon and spa in the area for over 16 years. The Rehoboth location was voted best nail salon in 2009 by Delaware Today and First State Best Spa in Sussex County in 2009. For more information, call 302227-8640 or visit www.SherifZaki.com.
Ribbon Cutting Belly’s BBQ recently celebrated their grand opening with a ribbon cutting ceremony sponsored by the Rehoboth Beach-Dewey Beach Chamber of Commerce. Belly’s, a new restaurant located at Peddler’s Village in Lewes, is owned by Dale Thaxton. The restaurant, which serves breakfast and lunch, is open Monday through Saturday from 7 a.m. to 4 p.m. For more information, call 302-945-7300.
Business Report | March 2010
The Bethany-Fenwick Area Chamber of Commerce ambassadors and friends joined Mike’s Pizza owners Shanna and Mike Kitzmann on Jan. 14 for the ribbon cutting at their new store in the Cypress Tree Center in Selbyville. From left are Jeff Evans, Diane Koch, Michael Young, Jayson Garcia, Clare Mace, Rich Warfield, owner Shanna Kitzmann, Veronica Bona, Andrew Stump, Marilyn Panagapoulos, Brenda Richards, Peter Bernsten, Mae Fleck, Richard Fleck and owner Mike Kitzmann. For more information, call Mike’s Pizza at 302-436-9293.
Love whyoere u live!
• 13 Newly Rebuilt Greens to USGA Standards • 5 Refurbished Greens
Ramey Real estate
Brenda R. Rambo
22350 Sussex Hwy. Seaford, DE 302-629-5575
• Chef Michael, Our 5-Star Chef, Affordable yet Superior Lunch & Dinner
• Great Grille Room • Card Games for Ladies & Gents • Special Member Functions Dances, Entertainment & More!
22426 Sussex Pines Road Georgetown, DE
Sussex Pines...There’s Something "Fore" Everyone!
Business Report | March 2010
mls 559998 Established development north of Seaford “Clearbrooke Estates” wonderful landscape, private back yard. 3 br, 2 ba, freshly painted, new smooth top stove, staged to sell. split floorplan with large family room addition with gas fireplace and vaulted ceiling, deck off sliders, 2 car garage, shed, exterior lights, must see $219,000
mls 574816 Adorable stick built rancher in town of Seaford, new siding, roof, heat pump with gas back up, Rinnai hot water heater, hardwood floors, deck off dining room, split bedrooms, 1650 sq.ft of comfortable living space with fenced in back yard. Please call for a viewing. $199,000
Look for more listings on brendarambo.com email: firstname.lastname@example.org
11 DSCC offers social media strategies The Delaware State Chamber of Commerce is helping business leaders learn how social media can help strengthen their company’s standing in the marketplace. The Chamber hosted a panel discussion entitled, “Social Media Questions Answered,” on Feb. 2, featuring businesspeople and representatives of government and nonprofit organizations that have already seen success in their social media efforts. Moderating the panel discussion was Lee Mikles, founder and CEO of the Archer Group, the Wilmington interactive marketing agency that has developed successful interactive campaigns for Wawa, Herr’s Foods, JPMorganChase, Comcast Sportsnet and others. “Explosion is too small a word” to describe the growth of social media in the last year or so, Mikles said. “More than a billion pieces of information are posted [on social media sites] every day. More than 100 million people are checking Facebook every day.” Panelists were: Greg Hughes, director of the state’s Government Information Center; Kim Kostes, community relations manager of the Food Bank of Delaware; Darren Mahoney, a marketing manager at ING Direct, and Matthew J. Peterson, founder of Element Design Group of Wilmington and Lewes, Del. Using Twitter and Facebook, Mahoney said, “is an ideal way to connect with customers and humanize [your company’s] brand.” Kostes recommended using social media to “provide advice or information” to the audience a business or nonprofit is trying to reach. “Don’t sell through Twitter and Facebook,” Peterson said, “but you can promote your product in a respectful way.” Noting the newness of social marketing, Hughes said “we’re just rookies.” Nevertheless, Delaware has more than 6,700 “fans” of the state’s Facebook page, launched less than a year ago. Use of Facebook and Twitter is steadily expanding in state government, he said. “Social media is direct, interactive and shows the human side of your company,” Peterson said.
The 2010 Chamber of Commerce for Greater Milford has announced the 2010 Executive Board of Directors. CCGM 2009 Vice President Fred Rohm, Frederica Senior Center executive director, will serve as president this year. Delmarva Broadcasting Company General Manager, Mike Kazala will serve as vice president. Returning as treasurer is Artisans’ Bank Vice President and Milford Branch Manager Deanna Smith, and returning as secretary is Susie Pennell, with the Delaware Breast Cancer Coalition. From left are Smith, Kazala, Rohm and Pennell.
Business Report | March 2010
The Mispillion Art League (MAL), located at 5 N. Walnut St. in downtown Milford, celebrated their grand opening with a ribbon cutting ceremony on Wednesday, Jan. 28. The MAL hosted the Chamber of Commerce for Greater Milford January After Hours Business Mixer the same day. From left are CCGM President Fred Rohm, Mispillion Art League President Sara Gallagher, Milford Mayor Dan Marabello and Mispillion Art League V.P. Sharon Hepford. For more information, visit www.mispillionarts.org.
Raymond E. Tomasetti Jr. Attorney at Law
Estate and Retirement Planning 302-846-9201
Samuel F. Slabaugh, Sr. CFP Professional Joy Slabaugh CFP Professional ®
Securities and investment advisory services offered through: H. Beck, Inc. Member FINRA, SIPC. H. Beck, Inc. is unaffiliated with EST Financial Group.
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 | March 2010
RESIDENTIAL & COMMERCIAL
24 Hour Monitoring • SECURITY SYSTEMS • SYSTEM INTEGRATION Listed • DIGITAL VIDEO RECORDING • FIRE ALARMS FM Approved • CLOSED CIRCUIT VIDEO • LAN & INTERNET SOLUTIONS Central Station • ACCESS CONTROL • SPRINKLER SUPERVISION Traditional Quality • Advanced Technology
13 You get what you pay for By Carol Kinsley As the April 15 tax filing deadline looms, small business owners may be wishing they had someone who could take care of all those forms for them and offer some advice on how to minimize their tax burden. These functions are only some of the services offered by a certified public accountant, or CPA. Other services include estate or financial planning, accounting, management consulting, financial analysis and other financial reporting services. Some CPA firms also offer audit services for business, government and non-profit organizations. Sure, there are plenty of tax preparers out there, and a CPA is not required. However, Fred Mast, a CPA who is manager of Jefferson, Urian, Doane and Sterner, the largest CPA firm in Sussex County, Del., said he would “highly recommend” getting a CPA involved in preparing your small business tax return. “Tax laws have become increasingly complicated and hard to stay up with for the average person not involved full time in preparing business taxes,” Mast said. “More and more there are tax credits and deductions that apply in certain situations that can be easily overlooked.” Mast continued, “Tax planning services are one of the most common services provided by CPAs, and should be tailored to meet a specific situation. What is beneficial for one client to do may not be beneficial for the next. We often sit down with clients prior to the end of the year to go over their particular situation and to help give advice for things that should be done before the end of the year, or things that should be looked into for the following year.” Doug Phillips, president and managing director of Horty & Horty, P.A., a CPA firm based in Wilmington, explained the difference between bookkeepers, accountants and CPAs. “A bookkeeper posts transactions to books — cash receipts from customers, invoices processed and paid, bills to customers. Sometimes they’re involved in general ledger keeping, and some reconcile the books on a periodic basis. “Accountants are at the next level. They may have some involvement in entering certain transactions such as month end or year end. They take the information in the books and analyze it for reports, prepare financial statements and interpret information for management.” CPA is a professional designation, Phillips continued. “It means that individual has met a certain level of competency in different areas — accounting and financial reporting, income taxes, auditing and business law — although a CPA is not an
attorney. A CPA also has to pass a rigorous exam.” Then licensed by a state jurisdiction, the CPA is required to adhere to professional standards, including appropriate work ethics in how he or she provides service. The CPA designation implies someone is in public practice, but a CPA can work for a single corporation or company, Phillips explained, rather than opening or working for a practice that serves a multitude of clients. Businesses often look for a CPA to fill certain positions in their company because they are well trained and have a diverse background, he said. So, why hire a CPA rather than an accountant? “You get what you pay for,” said Phillips. “When you look to a CPA, you look to someone who has the professional qualifications mentioned, a certain level of experience and knowledge. The key is you get value because of that experience, qualification, and breadth of knowledge.” Recalling that the CPA exam took a total of 16 hours, Mast noted, “CPAs are required to maintain certain continuing education requirements. This helps ensure that they are up to date on new tax law changes and helps give assurance to those using their services of their credibility. Choosing a tax return preparer who is not a CPA can be risky as you have no knowledge of their qualifications to prepare taxes or knowledge of the current tax laws. Should you need to be represented before the IRS, only attorneys, CPAs and enrolled agents are allowed to do this. There are also various other services and financial statement reporting that only CPAs are licensed to perform which are often requested by banks or other third parties. CPAs performing these type of attest services are required to undergo peer review every three years, to help ensure their compliance and implementation of current regulations.” Mast added, “I would always recommend contacting a CPA prior to starting a new business to make sure that your business structure from the very beginning is the most beneficial for you from a tax standpoint. Businesses set up incorrectly can be costly to correct or maintain and costly from an income tax standpoint as well.” Phillips observed, “In my experience, small businesses don’t have a lot of in-house management. An entrepreneur, the owner, knows what he does — for example, a contractor knows about building — but isn’t necessarily trained or knowledgeable in other business matters such as finance. That’s where a CPA can help out. A CPA has seen a lot of things, worked with a lot of businesses and brings a lot to the table in terms of help for the small business owner. Most of
our clients, small to medium businesses, do not have middle management, so they rely on us more to fill those needs.” Even at large CPA firms such as Horty & Horty or Jefferson, Urian, Doane and Sterner, you can talk to the same CPA every time you call. Phillips said, “If you work with a CPA for a period of time, he develops a cumulative knowledge about you and your business that adds value. He can give good feedback and advice.” There might be multiple people involved in servicing your business, he acknowledged, “but you should have continuity.” Mast said, “Each client has one CPA from the firm who is in charge of their account and who takes responsibility for the client year after year, so that each client is ensured a stable relationship with a CPA who is knowledgeable about their particular situation. The benefit of the larger firm is that it allows each of our clients to draw from a much larger base of specialized services and knowledge provided by others within the firm if needed, so that clients do not have to go to several different places for their specialized needs as their businesses evolve from the beginning to the end, but can maintain continuity and efficiency by having their needs met. whether it be tax preparation, tax planning, financial statement preparation, business valuations, compliance services or estate planning.” Mast has worked eight years for Jefferson, Urian, Doane and Sterner, which has been in existence since 1977 and has offices in Georgetown, Ocean View and Dover. For office locations and phone numbers, visit www.juds.com. Phillips, who has been in the business for 29 years and with Horty & Horty since 1983, said tax time actually is a good time to look for a new CPA. “Questions are fresh in your mind.” While you’re pulling things together and thinking about issues, he said, is a good time to talk to somebody. He added that some of his people only spend 30 percent of their time in the office. “They spend more time in clients’ offices than in ours. It’s hard to understand how a business works if you’re not there at the business, so we try not to do the work here, but do it at the client’s. It’s beneficial to understanding what they do and gives us more opportunity to interact and hear about problems they’re having.” Phillips said his company does tax returns for individuals as well as businesses in its offices in Wilmington and Dover. Clients range from start-ups to multi-million dollar companies, not-for-profit organizations and governmental entities. Call toll-free, (888) 968-7168 or visit www.horty.com. Business Report | March 2010
SBA programs expanded to increase working capital
A ttorneys A t L aw
John A. Sergovic, Jr. | Shannon D. Carmean Leslie Case DiPietro
Real Estate | Civil Litigation Land Use Regulation Business Law & Formation | Wills & Estates Probate | Guardianships | Debt Collection Commercial & Residential Landlord/Tenant
123 West Market Street P.O. Box 751, Georgetown, DE 19947-0751 P 302-855-1260, F 302-855-1270 email@example.com
With County Bank, my business has the services and support I need to succeed.
— Fernando Guajardo Owner, Clothes 2 You Rehoboth Beach
County Bank business accounts cost you less and keep the local economy strong. With County Bank, your deposits are safe and secure. And they are put to work right here in southern Delaware. Your investments come around full circle by earning you a great return and keeping our region vibrant and our economy strong.
• • • • •
County Bank is big enough to meet all your business banking needs, yet we’re small enough to offer our superior services on a personal level. Not only do we know your business, but we know you, and recognize your financial needs.
We want you to be able to spend your time on building your business, not minding your accounts.
At County Bank we understand the local economy, and we make taking care of your business our business. We don’t charge monthly business analysis fees, or monthly coin and currency fees. Other advantages of County Bank business accounts include:
Convenient branch locations Business debit cards 24/7 Banking Online with bill-pay services Bank-by-Phone services Easy switch-over from your current bank.
Call or stop in one of our nine conveniently located branches in Southern Delaware to learn more about how County Bank can save you money and help secure the future of your “We have roots here, business. not just branches.”
Business Report | March 2010
President Obama recently proposed the expansion of two critical Small Business Administration (SBA) lending programs, aimed at allowing small businesses to refinance and increasing limits for working capital. These legislative proposals are designed to help small businesses through what continues to be a difficult period in credit markets. Details include: 1. Expand SBA’s existing program to temporarily support refinancing for owneroccupied commercial real estate loans - The Administration is proposing legislation to temporarily allow for the refinancing of owneroccupied commercial real estate (CRE) loans under the SBA’s 504 program, which provides guarantees on loans for the development of real estate and other fixed assets. Currently, 504 loans cannot be used for the refinancing of maturing debt. This change would respond to the difficulties many current, solvent borrowers face in refinancing existing commercial real estate loans. 2. Temporarily increase the cap on SBA Express loans from $350,000 to $1 million - The President is proposing to temporarily increase the maximum SBA Express loan size to $1 million, which would expand the program’s ability to help a broad range of small businesses through a streamlined approval process. Unlike traditional 7(a) loans, lenders can use their own paperwork for SBA Express loans, which can be structured as revolving lines of credit. Currently, these Express loans are capped at $350,000 and carry a 50 percent guarantee. Fees would cover virtually all of the added costs of this proposal. These proposals complement the President’s broader small business agenda - a key part of his overall jobs plan. The other elements of the small business agenda include: • Extending small business expensing and bonus depreciation for 2010. Eliminating capital gains taxes for small businesses in 2010. • A Small Business Jobs and Wages Tax Credit that would cut taxes for more than 1 million small businesses by paying up to $5,000 for every net new job and covers payroll taxes on overall wage increases in excess of inflation. • A proposal to transfer, through legislation, $30 billion to a new Small Business Lending Fund that will support lending by community and smaller banks. • Additional SBA lending proposals, including an extension of the Recovery Act programs that eliminate fees and raise guarantees on SBA’s two largest loan programs and permanent increases in the maximum loan sizes for major SBA programs.
Delaware tax credits for business: Have you given them any thought? By John Fay, CPA With all the attention we pay to federal tax issues, filing a state return seems almost an afterthought. But business owners in Delaware would be wise to take a careful look at the numerous tax credits that are available to offset state income taxes. Even if you can’t take a credit when you complete your 2009 return, you might find a way to incorporate some credit-generating activities into your business plan for this year or next. The tax credits offered are geared toward advancing policies that the state considers important; for example - protecting the environment, creating more jobs (especially those that pay well), preserving open space and historic properties and reducing rush-hour commuter traffic. To get an idea of how the programs work, let’s take a closer look at a few. The state offers four types of Green Industries credits. Before claiming a credit, the business must secure approval through the state Division of Revenue. Three of the credits — for collection and distribution of recycled materials; processing waste materials and using recycled materials as raw materials for manufacturing — work in similar fashion. The business must invest at least $200,000 on a qualifying facility and hire at least five new employees. What’s the payoff? A tax credit of $650 per $100,000 invested and $650 per new employee, or, if the facility is located in a specially identified “target area,” $900 per $100,000 invested and $900 per employee. Unclaimed credits can be carried forward for nine years. The credit for reductions in the release of toxic wastes is smaller: $400 for each 10 percent in waste reduction. This credit can be claimed for four additional years as long as the reduction in waste is maintained. Expanding businesses with high-paying jobs can qualify for credits under the New Economy Jobs Program. Businesses that add at least 50 employees who earn $100,000 or more can claim a credit of up to 40 percent of state withholding taxes collected on behalf of these employees. The credit can reach 65 percent of withholding if the jobs are located
in geographical growth zones, municipalities or former brownfields. To qualify, a business must secure advance approval from the state Division of Revenue by completing Form 402 AP. The business must begin expanded operations by Jan. 1, 2014; the credit can be claimed for up to 10 years, with renewals required annually. Businesses that function as a Headquarters Management Corporation (HMC), providing services to companies that operate out of state but list Delaware as their corporate home, may claim a credit if they add five or more full-time employees. The credit is worth $400 per new employee and can be claimed for a total of five years. Businesses that encourage their employees to car pool (three or more employees per vehicle) or use public transportation may qualify for a Travelink Traffic Mitigation Credit. The amount of the credit depends on the traffic reduction achieved by the business. Plans must be approved in advance by the state Department of Transportation. There’s a statewide $100,000 annual limit on credits; if a full credit cannot be issued because of the cap, it can be carried forward for three tax years. The Neighborhood Assistance credit encourages businesses to partner with community development agencies in impoverished areas or that serve low-income families in providing education, job training, crime prevention, housing or other services. The maximum tax credit is 50 percent of the amount the business invests in the project, with a $100,000 cap. Credit applications must be preapproved by the Delaware State Housing Authority. There’s a statewide annual limit of $500,000 for the program; if a qualifying program cannot be granted a full credit because of the cap, that portion of the claim will be reconsidered in the following year. If a program is granted a credit, the company cannot claim a state charitable deduction on its tax return for the program in the same year. Companies that donate land to the state or to a private charitable agency for open space, natural resource, biodiversity conservation or historic preservation purposes may claim a credit equal to 40
percent of the property’s fair market value, up to a maximum of $50,000. Unused portions of the credit may be carried forward for up to five years. The business cannot claim a different tax credit for costs associated with the same project. One credit — for Investment and Employment — expired June 30, 2009. Businesses that previously qualified can continue to claim the credit for up to 10 years but no new applications are being accepted. Similarly, businesses located on former brownfields may continue to claim credits for up to 10 years, although the credit is not available for properties placed in service after 2006. Credits for preservation and repair of historic structures and for research and development expenses are scheduled to expire this year. To qualify for a credit of up to 40 percent of eligible preservation expenses, rehabilitation plans must be approved by the Delaware Historic Preservation Office by June 30. The R&D credit expires at the end of this year; applications must be filed with the Division of Revenue by Sept. 15. The amount of the credit depends on how much the company spends on R&D activities, and it could be as much as 50 percent of the business’s state tax liability. However, the state has a $5 million annual cap on these credits; if applications received would trigger credits in excess of $5 million, the amount allowed would be reduced proportionately. Each of the tax-credit programs mentioned has specific requirements for qualifying. In some cases, there’s a limit to the amount available each year for credits, so businesses must get advance approval before making a claim on their tax return. There’s a lot of fine print involved too — annual caps, limitations on qualifying expenses and requirements that some new hires be Delaware residents, for example, so it would be good to have your accountant or business consultant review the process with you. John Fay is a tax director with Horty & Horty, P.A., a Delaware accounting firm with offices in Dover and Wilmington.
Business Report | March 2010
C P A S
Jefferson Urian Doane & Sterner, P.A.
New directors join Artisans’ Bank CPAs and Consultants in business since 1977
Whether it’s business or personal... Our service can make a difference in Your future. Business evaluations... Planning your future income needs... Structuring employee benefit and compensation plans... Helping computerize your accounting records...
Like-kind exchanges... Trust tax accounting... Estate tax accounting...
Georgetown - 651 N. Bedford St. Ext. Ocean View - 92 Atlantic Ave., Suite D Dover - 107 Wolf Creek Blvd., Suite 1
856-3900 539-5543 302 678-1425
Visit our web site at JUDS.com for more information about our staff and locations Registered with American Institute6:02 of Certified Public 1Accountants and the Delaware Society of CPAs 5.25wx5:Layout 1 2/18/09 AM Page
Business Report | March 2010
Artisans’ Bank announces that Monica M. Taylor of Philadelphia, Pa. and John E. “Jed” Hatfield, of Media, Pa. have recently been elected to the board of directors of Artisans’ Bank. With over 20 years in higher education and non-profit management, Taylor serves as the vice president for Development and Alumni Relations at the University of Delaware where she manages and directs a comprehensive development and alumni relations program for over 200,000 alumni, donors and friends of the University. Hatfield, president of Colonial Parking, Inc., is responsible for Colonial’s operations in the Wilmington, Delaware County, Pa. and Philadelphia areas. In addition to the opening of new facilities, he is responsible for the daily management of all Colonial facilities.
Make your estate plan disaster-proof BY Joy Slabaugh News headlines of disasters, terror and tragic, unexpected deaths are only stories until a shocking incident occurs. Even then, we mourn the horror but rarely take action to protect our families from the fallout of a similar disaster. A poll by AARP showed that while many adults are aware of the need for estate planning, less than half have actually taken any action. It is easy to delay estate planning when tragedy is only a headline, yet the statistics of death tell us that we should all prepare our families for the worst, regardless of age or wealth. “An estate plan addresses what happens to the family when you are gone,” says Charles R. Wolpoff a principal of Wolpoff Financial Group LLC in Westminster and Towson, Md. and Certified Financial Planner (CFP). Even for the simplest estate, there are issues that need to be handled. Says Wolpoff, “If you care about your family, you will leave them with a plan of action.” Wolpoff recommends creating this plan of action with a financial planner who does comprehensive planning. Not only can the planner help you create the plan of action, she or he can also help your family implement that plan. Steven M. Berger, an estate planning attorney in Severna Park, Md., agrees with Wolpoff. “More than anything, the process of thinking things through is the valuable part of estate planning.” Whether you choose to work with an estate professional or decide to do your own planning, certain principles can make the transition easier for your family. Communicate. Even the best plan of action is useless if the family doesn’t know about it. “The first three rules of estate planning are communication, communication and communication,” says Wolpoff. When a family is experiencing shock from an unexpected loss, fear of the unknown only adds to the burden. Wolpoff believes, “The family needs to know what
the estate plan is, what the assets are, who the advisors are, what’s in the will and why.” Make sure things are organized. Your heirs will need a list of assets, where they are held and how they are to be distributed. Wolpoff recommends, “You also need to have a to-do list for the family and the survivors. This list should instruct what they should do the day after, the week after, etc. For example, one of the first things is to contact the life insurance company; the death benefit can provide liquidity at a critical time.” Other items on this to-do list may include burial instructions, paying bills and claiming benefits. Providing your family with practical information before it is needed will help reduce the level of stress on your family and make it easier for them to rebuild their lives. Assign responsibility. Be proactive and select a responsible party to handle different issues, especially those included on the to-do list referenced above. Wolpoff says, “Usually, people have a most trusted advisor that they trust the children to go to for assistance. This is not necessarily the executor of the will.” Ideally, this person is not only trustworthy, but can be a calming influence on the family. While children are still minors, you will need to establish legal successor guardians and prepare those guardians for their potential roles. “Make sure the successor guardians are aware of your intentions,” suggests Eric W. Johnston, a CFP with InFocus Financial Advisors in Salisbury, Md. “Everybody thinks their sister or brother will happily serve as a guardian but they may not be willing.” Educate. Your family needs to know where you keep the important documents, the to-do list and how to contact your advisors. Your personal representative needs to know your assets, liabilities and cash-flow. Successor guardians need to know who to contact for funds. Communicating this information to the appropriate parties is a vital factor of
estate planning. Consider creating a file or binder “In Case of Emergency” with these comprehensive instructions for your family. Provided instructions for accessing sensitive information are included in the binder, the documents themselves can even be located elsewhere. Johnston recommends, “Your attorney or financial planner should have a signed copy of your estate documents.” The goal is to make it as simple as possible for your family to take the next steps. Explain intent. Communicating the intent behind your plan is just as important as the information itself. “Disaster can befall a family after someone dies when there are misunderstandings and resentments. This often happens because no one says anything about the estate plan and why.” Wolpoff recommends combating this by involving your family in your estate planning but acknowledges it can be difficult. “It is hard enough to get couples to do planning together and getting them to include their adult children is like asking them to jump off the roof. But it can be so helpful if you can get the family together.” Wolpoff says the goal is not democratic estate planning where you ask your family their wishes, but an open dialogue where you explain what you are doing and why. “If you open up two-way communication, your family may offer a valuable suggestion you did not think of. Or, if there is any resentment or misunderstanding, you can clarify them while you are living.” Revisit the plan. As life evolves, your priorities may shift. Review your plan with your estate planner to make sure the plan will still accomplish your goals. Don’t wait to take action. Contact your estate planning professional or find a financial planner specializing in estate planning at www.plannersearch.com. Joy Slabaugh is a CFP professional, speaker and writer practicing in Delmar.
Business Report | March 2010
That’s the type of experience you’ll have when you work with us to create the kitchen or bath you’ve always wanted. Our experienced staf staff of award-winning designers and expert installation team look forward to making your dreams a reality!
COSMIC OF MILLSBORO, DE
SCREEN PRINTING & EMBROIDERY T-SHIRTS, WHITE, SIZE S - XL, WITH 0 10A ONE-COLOR INK IMPRESSION, ONLY $349!
ANY COLOR SHIRTS FOR ONLY $449!
(302) 933 - 0920 Business Report | March 2010
A taste of Philadelphia comes to Dover By Carol Kinsley For anyone who has eaten a cheesesteak in the city where the sandwich originated some 75 years ago, news that a restaurant has opened in Dover that serves cheesesteaks just like those you get in Philadelphia will set your mouth to watering. No longer will you have to drive all the way to Pennsylvania to experience the flavor of quickly grilled, thinly sliced, tender beef, topped with sliced, fried onions, smothered with melted cheese, all on a tasty long roll. Now you can satisfy those tastebuds at Gena's Steaks, located at 654 North DuPont Highway, just a quarter mile from Dover Downs. Jason Guido, a partner in the venture, would protest the acclamation "just like those you get in Philadelphia." He said, "I'm
better than anybody!" Folks in Delaware — unless they've visited Philadelphia and eaten "the real thing" — "are not used to what we serve," Guido said. "They use minute steak or chopped beef. This ain't no minute steak! We use 100 percent rib eye beef and slice it fresh daily." As in Philadelphia, you can choose from three kinds of cheese: American, provolone or Cheez Whiz. And you can get your cheesesteak "wit" or wit-out" onions, either fried or raw. But don't ask for one with everything. "There's no such thing as everything," Guido insisted. You'll find a "pepper bar" with condiments at the end, where you can load on your own ketchup, hot sauce, horse radish or choose from five kinds of pepper. The bread is authentic Philadelphia - it comes from there. "I come from Philly, everything's from Philly," Guido asserted. He explained how the south Philadelphia-style sandwich shop happens to be located 80 miles south of the City of Brotherly Love. Richard and Michelle Pizzuto stopped to eat lunch in Dover in August of 2008. The food was "not up to par," Guido said. They decided Dover might be a good place to open an Italian-style sandwich shop. During the year-long construction, their 3-year-old daughter Gena Rosa passed away. The restaurant, which opened in December 2009, bears her name. Gena's Steaks also serves hot roast pork and chicken cutlet sandwiches. Guido said a chicken cutlet is a fileted breast of chicken, breaded in Italian bread crumbs and seasoning, then deep fried. Gena's serves six types of sandwiches containing a chicken cutlet. The rest of the menu reads like the deli counter in one of the butcher shops in Philadelphia's Italian market, with sandwiches such as an Italian hoagie with sharp provolone, ham, capicola, salami and proscuitto. The Genarosa, also named for the Pizzutos' daughter, contains sharp provolone, prosciutto and roasted peppers. The Milano includes grilled tomatoes and roasted pepper. The Sicilian contains prosciutto with broccoli rabe (an Italian vegetable that looks like a small head of broccoli that has a nutty, bitter taste) sauted in garlic, olive oil and hot pepper seed. Rabe is also available as a side dish, along with French fries, pizza rolls, onion rings, mozzarella sticks or "long hots," sauted hot peppers. Hungry yet? Gena's Steaks is open 11 a.m. to 10 p.m. Monday through Saturday, and noon to 8 p.m. on Sunday. Hours may be extended this spring. Call (302) 5262571.
*Based on News Journal Reader’s Choice **Savings are federally insured by the National Credit Union Administration (NCUA), a U.S.Government Agency, to at least $250,000 and an additional $250,000 in coverage is provided through Excess Share Insurance Corporation (ESI).
Mon.-Sat. 9 am - 9 pm • Sunday 10 am - 5 pm
Concord Pet Food & Supplies
Uncompromising Network Management is What We DO!
Better Business with Technology • Network Support - Administration/Installation • Custom Built Networks • Support for Windows 7/Windows Server 2008 • Carry-in and On-Site Repair
12 South Walnut Street, Milford DE 19963 - www.wtgllc.net Business Report | March 2010
Bayhealth sends supplies to Haiti
Jim Harrison of Mission Relief Services (center) receives a box of medical supplies from Bayhealth Materials Management Manager Dave Webb (left) and Bayhealth Warehouse Supervisor Don Lucas (right).
ayhealth Medical Center donated clothing and critical medical supplies for relief efforts in earthquake ravaged Haiti, and a Bayhealth trauma surgeon recently traveled to Haiti to treat earthquake survivors. Bayhealth nurse leaders organized a clothing drive in which employees at Kent General Hospital and Milford Memorial Hospital donated clothes to earthquake survivors.With thousands of survivors also in need of medical treatment, Bayhealth Trauma Surgeon John Brebbia, MD, joined a team of doctors that traveled to Haiti and treated survivors between Jan. 20-28. Dr. Brebbia is Critical Care director for Milford Memorial Hospital and Wound Care Center director for Kent General Hospital. Bayhealth Medical Center has also donated more than 25 boxes of medical supplies, including sutures, wrist splints, IV poles, shoulder immobilizers, bandages, linen, catheters, medical solutions, ventilator tubes and wound drainage devices. Jim Harrison from Mission Relief Services picked up the medical supplies from the Bayhealth warehouse in Dover on Jan. 19. The Bayhealth medical supplies and clothing will be part of a shipment of 500 boxes that Mission Relief Services will deliver to relief workers in Haiti.
33rd Annual Seminar & Exposition
pen O House
April 7 & April 8 10:30 a.m. & 3:30 p.m.
March 15-17, 2010 Clarion Resort Hotel, Ocean City, MD
Visit us on the web at www.delmarvasafety.com to learn about this year’s show which includes timely topics, expert speakers, great networking opportunities, exposition, registration and excellent keynote speakers discussing “Keeping a Safety Focus in Tough Economic Times”. Or Call Delmarva Safety Association at (302) 856-7303
Please join us on either day or time! Refreshments will be served.
110 W. North St., Georgetown DE 19947
(302) 856-4574 | www.HarrisonSeniorLiving.com
Short & Long Term Skilled Nursing & Rehabilitation Services. Business Report | March 2010
For more information contact Ron Jester at firstname.lastname@example.org.
We Sell Home Owners and Business Owners Insurance • AUTO • WORKERS COMPENSATION Let us do your insurance shopping for you!
Clifford D. Short, Independent Agent 606 E. Market St. • Georgetown, DE 19947 SINCE 1983
Nanticoke Memorial Hospital announces the reopening of its newly renovated pediatric unit. Located on the hospital’s first floor, the unit features a family friendly design and layout with oversized patient rooms to allow parents to stay with their children. Movies and video games are also available. From left are LeAnne Chaffinch, LPN; Sheila Welfley, RN; and Nancy Oyerly, RN, MS, director of maternal child health services, in one of the renovated rooms.
Bayhealth to establish Stroke Center Bayhealth Medical Center will establish an official Stroke Center this winter. “The Stroke Center will be a virtual unit that will follow patients wherever they are in the hospital to ensure that they receive evidence-based care based on American Heart Association guidelines,” said Dawn Fowler, MSN, RN, PCCN, who was appointed Bayhealth’s Stroke Center coordinator in October 2009. Bayhealth treats approximately 500 stroke patients a year at both Kent General and Milford Memorial Hospitals, according to Fowler. By establishing a Stroke Center, Bayhealth hopes to improve patient outcomes, decrease mortality rates and shorten the length of hospital stay for patients. There are two types of stroke: ischemic and hemorrhagic. Thanks to Bayhealth’s affiliation with Penn Medicine, Bayhealth transfers patients with hemorrhagic strokes to Penn for neurological intervention. Patients with ischemic strokes are treated at Bayhealth. As an integral part of the Stroke Center, Bayhealth collaborated with Kent County EMS so that the EMS will notify the Emergency Department they have a possible stroke patient before they arrive at the hospital. When a patient presents to the hospital with stroke symptoms, a “Stroke Alert” will be called and the patient will be immediately triaged to receive an evaluation, prompt laboratory studies and CT imaging. Once diagnosed, patients will receive the appropriate medication or other intervention. Patients will be monitored up to six months following their discharge from the hospital to assess their condition. For more information on Bayhealth’s Stroke Center, call Fowler at 302-744-6584.
Call for Free Advance Directives
“Grams was always there for me. Delaware Hospice helped me be there for her.”
“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 | March 2010
22 Nanticoke installs new digital mammography
anticoke Memorial Hospital is advancing the fight against breast cancer by installing a new cutting edge digital mammography system for its patients. This system, a GE Healthcare Senographe Digital Mammography system, provides physicians with clear and precise all-digital images, rather than images on X-ray film. The system provides the largest field of view currently available, which can be extremely helpful for precision imaging of patients with diverse shapes and sizes. “This is new and powerful technology for the detection and fight against breast cancer,” says Missy Babinski, radiology director. “Digital systems such as the new Senographe Essential allow us to offer our patients stateof-the-art mammograms that are fast and easy. And it gives our referring physicians accurate images to use in diagnosis.” There are many advantages to a digital system. The images are clear and easy to read, and it offers an excellent view of the breast, especially near the skin line, chest wall and in women with diverse breast tissue types. The digital image is ready to read within 10 seconds – there is no longer a wait for films to be developed to be sure the images are usable. Digital mammograms take as little as half the time of film. And if a second opinion is
needed, the image can be sent electronically to a consulting physician virtually instantaneously. Funding support of Women's Health Services/Digital Mammography has been at the front of the organization's fundraising activities during the past year. Through special events, grants and community support, a portion of the monies needed for the equipment has been raised. Fundraising activities are ongoing to raise additional funds to cover the total cost of the equipment and to add an additional digital mammography machine, along with enhancing women's health services for the community.
Mammography employees, Tracy Hill, Donna Bradley and Terry Persolio, with Nanticoke Memorial Hospital’s new digital mammography equipment
H ave You B een D en ied SocialSecu rity or Veteran s’D isability B en efits?
W e C an H elp!
500 W .Loock erm an Street,Su ite #102
D O V E R 674-1100
e-m ail:k vick s@ vick slaw .com
1004 W. Stein Hwy. Nylon Capital Shopping Ctr., Seaford, DE
320 W. DuPont Hwy., Ste. 2 Millsboro, DE 19966
Donald L. Short, Owner/Sales Business Report | March 2010
On Jan. 21, the Vascular Center at Nanticoke Memorial Hospital held a ribbon cutting and Greater Seaford Chamber of Commerce Mixer to celebrate the Center’s opening. The event included a ribbon cutting ceremony, tours of the facility, health screening information, prize giveaways, refreshments and more. From left are, Grace Peterson, City of Seaford councilwoman; Robert Boyd, chairman, Nanticoke Health Services board of directors; Dr. Nyen Chong, The Vascular Center medical director/thoracic and vascular surgeon; Thomas Brown, senior vice president, Nanticoke Health Services; Ed Butler, mayor, City of Seaford; Barbara Gijanto, director of Vascular Services; Steven Rose, president & CEO, Nanticoke Health Services; and Dolores Slatcher, Seaford city manager.
Dr. Zorsky joins NMH
L aw O ffices ofK aren Y.V ick s,L L C
Nanticoke Memorial Hospital welcomes Paul Zorsky, MD to its active medical staff. Dr. Zorsky joins Nanticoke Health Services as a specialist in Medical Oncology and Dr. Zorsky Hematology. Paul Zorsky, MD, is board-certified in Internal Medicine, Hematology and Oncology by the American Board of Internal Medicine. He received his medical degree from the University of Connecticut and completed an internship in Internal Medicine at the George Washington University Medical Center in Washington, D.C. Dr. Zorsky served as chief medical resident at the George Washington University Medical Center, before completing a fellowship in Hematology and Oncology there as well. To reach Dr. Zorsky's office where he is accepting new patients, call 628-6334.
23 Diabetes Education Program receives recognition The American Diabetes Association (ADA) Education Recognition Certificate for a quality diabetes self-management education program was recently awarded to Nanticoke Memorial Hospital’s outpatient diabetes education program, The Diabetes Connection: “You’re in Control.” The program was originally recognized this past October, with Nanticoke Memorial Hospital receiving confirmation of certifi-
cation in January. The American Diabetes Association (ADA) certifies this program as offering high-quality education that is an essential component of effective diabetes treatment. The ADA’s Education Recognition Certificate assures that educational programs meet the National Standards for Diabetes SelfManagement Education. “The process gives professionals a national
standard by which to measure the quality of services they provide,” comments Lucinda Mancuso, RD, CDE, LDN, Nanticoke Memorial Hospital, Diabetes Education Program coordinator. “And, of course, it assures the consumer that he or she will likely receive high-quality service.” Education Recognition status is verified by an official certificate from the ADA and awarded for three years.
Physician speaks about AAA screenings Bayhealth surgeon Daniel Marelli, MD, MSc, will offer a free informational program on abdominal aortic aneurysm (AAA) screenings from 6 to 7 p.m. on Thursday, March 4, at Smyrna Clayton Medical Services. The presentation is free and open to the public; registration is not required. Screening for AAA is very important. Knowing in advance if an aneurysm is present (since symptoms are often silent) is a great advantage in preventing emergency surgery and could save your life. An abdominal aortic aneurysm is a bulge in the abdominal section of the aorta, the body’s main blood vessel that carries blood from the heart to the rest of the body. Abdominal aortic aneurysms are very serious and can be fatal. The U.S. Preventive Services Task Force recommends that all men age 65 to 75 who have ever smoked be screened for an abdominal aortic aneurysm. Others at risk include men over age 60, men and women with an immediate relative (such as a mother or brother) who has had an abdominal aortic aneurysm, those with high blood pressure and smokers. To try to prevent aneurysms, you should avoid tobacco, eat well, exercise and get regular physical exams. Bayhealth’s screening consists of an ultrasound, which is the preferred screening modality for abdominal aortic aneurysms. There is a $49 fee for this screening and pre-registration is required. For more information and to register for a screening, call Bayhealth’s Education Department at 302744-7135.
Dr. Daniel Marelli Business Report | March 2010
BETHANY BEACH Pfeiffer, Jonathan D., Pfeiffer Equipment; 638 Tingle Ave., Bethany Beach; retailermachinery equipment & supplies Submersible Zipper Company, LLC; 1 Ocean Pines Ln., Bethany Beach; wholesalerany products BRIDGEVILLE Valeza Jose, Valeza Tax Services; 208 Walnut St., Bridgeville; professional servicesincome tax consultant DELMAR Layfield, Tina M., Love One Another Home Health; 8109 Pine Branch Rd., Delmar; personal services-nursing/rest home Smart, Russell R., Russell Smart Home Improvements, LLC; 37787 Eagles Run, Delmar; reconciliation purpose code DOVER Advenlily Amigos LLC; 11 Fairway Lakes Dr., Apt. F32, Dover; professional and/or personal services Anderson, Scott, Anderson Contracting; 165 Burnham Ln., Dover; contractor-residential Balcon Services; 130 Sweetgum Dr., Dover; professional and/or personal services Barrus, Russell Jr., Hammerhead Remodeling; 320 E. Broadstairs Pl., Apt. 103F, Dover; contractor-residential DMG Holdings LLC; 429 S. Governors Ave., Dover; reconciliation purpose code Dover Ob-Gyn Associates LLC; 21 Saulsbury Rd., Dover; professional servicesmedical office EMG Investment Group LLC; 8 Quillen St., Dover; professional and/or personal services Falcon Landscaping and Design; 1398 Old White Oak Rd., Dover; professional and/or personal services Ford, Suzanne I.; 10 Fairway Lakes Dr., Apt. B14, Dover; professional and/or personal services Hawkins, Patricia, Hawkins Consulting; 16 Drew Court, Dover; reconciliation purpose code Infinity Technology Distributors; 401 Federal St., Dover; professional and/or personal services Johnson Brothers & Sons Perf., JB&S Performance; 5298 S. Dupont Hwy., Dover; personal service-motor vehicle service Maas, Arnold V., AVM Repairs and Maintenance; 2483 Forrest Ave., Dover; contractor-residential Parsons, Steven, Zeus Sight & Sound Technology; 766 Hitching Post Dr., Dover; professional and/or personal services Rainbow After Dark Entertainment; 25 Business Report | March 2010
Gristmill Dr., Dover; retailer-various products RMS Food Services LLC; 224 Derby Wood Cir., Dover; retailer-restaurant Soho Fitness Partners Dover, Snap Fitness; 1030 Forrest Ave., Dover; personal serviceshealth club/spa Thornton, Rebecca, Becca’s Clothing; 90 Unruh Dr., Dover; professional and/or personal services Wessels, Joseph E., Wessels Consulting; 857 Westview Ter., Dover; professional and/ or personal services Ximius Music Group; 1575 S. State St., Dover; professional and/or personal services GEORGETOWN Delaware Classics Desserts LLC; 432 E. Market St., Ste. R, Georgetown; wholesalerfood processor McDermot, Maureen A., Erin’s Treasures Ltd.; 24175 Celtic St., Georgetown; retailervarious products Pollard, William, Wild Blue Sea Farms; 22799 Concord Pond Rd., Georgetown; wholesaler-food (except processor) GREENWOOD Adams, Evelyne E., Evelyne Adams Interiors; 15097 Adams Rd., Greenwood; professional and/or personal services Miller, Jessica, Willow Park Studio; 498 Greenwood Rd., Greenwood; professional and/or personal services Sharp, Anthony G., A Plus Innovations; 6346 Hickman Rd., Greenwood; professional and/or personal services HARRINGTON Tatman, Dean Robert, Tatman Property Solutions; 2668 Jackson Ditch Rd., Harrington; professional and/or personal services LAUREL Lee’s Used Furniture; 10912 County Seat Hwy., Laurel; retailer-furniture & fixtures Little Hill Auto Parts; 18320 Little Hill Rd., Laurel; retailer-transportation equipment LEWES Beautifully Breastfeeding LLC; 713 Kings Hwy., Lewes; professional and/or personal services Cartagena, Dorothy; 216 W. 3rd St., Lewes; professional and/or personal services Dayton, Dorothy C., Happy Trails Company; 18355 Locust Ln., Lewes; professional and/or personal services Gerle-Erb, Teresa M., Erbhygenist; 34892 Oak Dr., Lewes; professional and/or personal services Snead, Joseph A. Jr.; 20229 Wil King Rd., Lewes; professional and/or personal services
MILFORD Handy Home Services LLC; 6 Windy Dr., Milford; contractor-residential Jolt Enterprises; 406 NE 4th St., Milford; professional and/or personal services KEC Enterprises Inc.; 3 Mews Rd., Milford; wholesaler-hardware, plumbing & heating MILLSBORO Indian River Golf Cars Inc., DR Welding; 26246 Kathy’s Way, Millsboro; retailer-various products Kenney, Michael C. III, Mike’s Home Repair; 27287 William Street Rd., Millsboro; contractor-residential Minshall, Duane; 34677 Gooseneck St., Millsboro; contractor-residential Pereira, Annamaire, Elite Dealer Services; 32742 Oak Orchard Rd., Millsboro; professional and/or personal services SEAFORD Benson Financial Group, LLC; 12179 Country Dr., Seaford; professional and/or personal services Cherris, Natalie A. LCSW; 901 E. Ivy Dr., Seaford; professional services-counselor Harris Family Assisted Living LLC; 9698 Nanticoke Cir., Seaford; personal servicesnursing/rest home Miller, Stephanie, The Prancing Pooch Pet Grooming; 12259 Baker Mill Rd., Seaford; professional and/or personal services Richardson, Properties LLC; 215 Elm Dr., Seaford; commercial lessor Smith, Melissa, Amazing Cakes; 25448 Bethel Concord Rd., Seaford; retailer-food (except restaurant) Wheatley, Bridget M.; 702 Heritage Dr., Seaford; professional and/or personal services SMYRNA Bingham, Krysti, Walk Dogs on Wheels; 5577 Dupont Pkwy., Smyrna; professional and/or personal services Grace Computer Solutions LLC; 45 Shashi Ct., Smyrna; professional and/or personal services Hubby for Hire LLC; 32 E. Wellington Mews, Smyrna; reconciliation purpose code JLW Consulting LLC; 396 N. School Ln., Smyrna; professional and/or personal services King Waste Inc.; 656 Paddock Rd., Smyrna; reconciliation purpose code/construction transportation contractor Load My Tunes; 512 Black Diamond Rd., Smyrna; professional and/or personal services Tech-No-Geeks; 743 W. Commerce St., Smyrna; professional and/or personal services
business directory ACCOUNTANTS / BUSINESS VALUATION Horty & Horty, P.A. Doug Phillips, Director, CPA 302-730-4560 Fax 302-730-4562 www.horty.com email@example.com 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 firstname.lastname@example.org PO Box 1000, 628 W. Stein Hwy. Seaford, DE 19973
ADMINISTRATIVE ASSISTANT Sharen E. Hagerty CPS/CAP 302-536-1445 Fax 302-536-1547 email@example.com 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 firstname.lastname@example.org email@example.com 110 W. Church St. Salisbury, MD 21801 George, Miles & Buhr, LLC Michelle Everngam 302-628-1421 Fax 302-628-8350
gmbnet.com firstname.lastname@example.org 400 High St. Seaford, DE 19973 George, Miles & Buhr, LLC Michelle Everngam 302-645-1944 Fax 302-645-2236 gmbnet.com email@example.com 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 firstname.lastname@example.org
CABINETRY U. L. Harman, Inc. Delores Bowles Jeff Riddleberger 800-346-4887 302-492-3456 Fax 410-482-8879 www.ulharman.com email@example.com 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 firstname.lastname@example.org 435 N. DuPont Hwy. Dover, DE 19901
Chamber of Commerce Karen Duffield 302-856-1544
140 Layton Ave., PO Box 1 Georgetown, DE 19947
Lewes Chamber of Commerce Betsy Reamer
Greater Seaford Chamber of Commerce Paula Gunson 302-629-9690 Fax 302-629-0281 seafordchamber.com email@example.com 304A High Street Seaford, DE 19973
Lewes, DE 19958
Z-Tronix Computers & Software Alan Stolzenbach 302-628-9661 Fax 302-628-7733 firstname.lastname@example.org 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 email@example.com Carter Partnership Center Del Tech Owens Campus Georgetown, DE 19947
Toll Free 877-465-3937 Fax 302-645-8412
firstname.lastname@example.org P.O. Box 1, 120 Kings Hwy.
Chamber of Commerce 302-934-6777
email@example.com P.O. Box 187
Millsboro, DE 19966 Milton Chamber of Commerce
Georgia Dalzell 302-684-1101
707 Chestnut St.
800-441-1329 ext. 13
Delaware Solid Waste Authority Wendy Pizzadili 302-739-5361 Fax 302-739-4287 dswa.com firstname.lastname@example.org 1128 S. Bradford St., PO Box 455 Dover, DE 19903
501 Rehoboth Ave.
Essential Staffing Inc. Best Temps of Dover Patsy Ware
P.O. Box 61
Milton, DE 19968 Rehoboth-Dewey
Chamber of Commerce Carol Everhart 302-227-6446
email@example.com Rehoboth Beach, DE 1997
Business Report | March 2010
26 302-674-4357 Fax 302-674-4878 firstname.lastname@example.org 385 W. North St., Suite A Dover, DE 19904
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
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
Business Report | March 2010
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
Delmarva Digital Tim Smith 302-875-7700 Fax 302-875-8288 www.ddmg.net email@example.com 218 Laureltowne Laurel, DE 19956
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
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 firstname.lastname@example.org 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 email@example.com
Coldwell Banker Resort Realty Skip Faust 302-227-5000 office 302-745-8764 cell Fax 302-227-3804 skipfaust.com firstname.lastname@example.org 20184 Coastal Hwy Rehoboth Beach, DE 19971
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
INTERNET SERVICE & WEB PAGE DESIGN
Payroll Professionals Donna Petranto 302-645-5700 302-645-0395 email@example.com 1636-D Savannah Rd. Lewes, DE 19958
720 Rehoboth Ave. Rehoboth Beach, DE 19971
Get Good Stuff
Clifford Short Insurance Cliff Short 302-856-7773 Fax 302-856-7943 firstname.lastname@example.org 606 East Market St. Georgetown, DE 19947
800-966-4514 Fax 302-536-6257 www.cfmnet.com email@example.com 500 W. Stein Highway Seaford, DE 19973
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
Lawn Tractors & Agricultural LAWN TRACTORS Equipment Since 1979
DAVID A BANKS
25268 GOVERNOR STOCKLEY RD, GEORGETOWN DE 19947 WWW.DAVIDABANKS.COM
firstname.lastname@example.org Business Report | March 2010
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.
March 2010 edition - Morning Star Business Report is published by Morning Star Publications, publishers of the Seaford Star, Laurel Star, Sa...