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Business Journal PO Box 510 Salisbury, MD 21803-0510

The Regional Chamber Newsletter

Vol. 12 No. 10

Dedicated to the Principles of Free Enterprise

May 2009

SACC holds 89th annual banquet

Greening your Business

What can your business do to help the environment? Pages 18, 19

first job

Her worldwide experience allows her to bring the best ideas to Salisbury to help improve the downtown.

Page 6

budget concerns

How can you do more with less? The county executive is faced with this challenge.

Page 27

postal rates

Who will be hit the hardest with the postal rate hikes, and what can be done to offset the expense?

Page 34

The Salisbury Area Chamber of Commerce held its 89th Annual Banquet on Thursday, April 16, at The Fountains Wedding and Conference Center. Events of the evening included the installation of 2009-2010 officers and directors, presentation of the 2009 Chamber of Commerce Award, and a silent auction to benefit the Wicomico Mentoring Project. Michael C. Kleger ended his term as president. During his year in office, the Chamber held the 2008 Salisbury Festival, a job fair, 59th Annual DPI Chicken Festival, ChamberFest and the third annual Career Day for Wicomico County ninth graders. Under Michael’s leadership, the Chamber paid off the mortgage for their facility at 144 E. Main St. Michael is an accountant and partner with PKS and Co., a local accounting firm with offices in Salisbury and Ocean City. He has served as the chairman of the Chamber’s Budget and Finance Committee, and a founding member of the Chamber’s Foundation. He is also on the board of Kids of Honor, and past board member and treasurer of the Eastern Shore Builders Association, Home Improvement Contractors Association, and Pemberton Hall Foundation. J. Scott Robertson was sworn in as the 2009-2010 Chamber president. Scott is the principal in the law firm of J Scott Robertson,

The 2009-2010 Chamber officers are in the front row, from left, Dawn Tilghman, J. Scott Robertson, Sandy Fitzgerald-Angello. Back row, from left, are Matthew Maciarello, Ernie Colburn, Victor Lowe, Robert Mulford Jr., and Michael C. Kleger. Not pictured are Bill Tingle and S. James. Sarbanes.

P.A. and is a partner in the Beaglin Crossing Business Park development. In addition to his Chamber activities, Scott is the chairman of the Administrative Board of Trinity United Methodist Church. He previously served as chairman of the Wicomico County Charter Review Committee; president of the Salisbury Jaycees; president of the Wicomico County Bar Association; and chairman of the Wicomico Public Library Board of Trustees. He has served on the Board of Governors and Executive Com-

mittee of the Maryland State Bar Association. Jim Perdue, chairman and chief executive officer of Perdue Inc., addressed the 170 members of the Chamber of Commerce who attended. Jim Perdue has been chairman of the board of directors since 1991 and has a lifetime of experience in the poultry industry. Jim grew up in the family business, which was founded in 1920 by his grandfather, Arthur, and led in subsequent decades by his father, Frank. Throughout high school, Jim worked in various grain and live production jobs at

Salisbury Area Chamber of Commerce Patrons

Perdue Farms. He attended Wake Forest University in North Carolina where he earned a degree in biology, and later obtained his Ph.D. in fisheries from the University of Washington in Seattle. In 1983, Jim returned to Perdue Farms, first working as a plant management trainee. He worked in a variety of production and quality control positions before being named vice president of quality improvement. During this time, he earned an MBA from the Perdue Continued to page 6


Business Journal

• April 2009

BAY NATIONAL BANK find the great thing in this world is not so much where we stand, as in what direction we are moving – we must sail sometimes with the wind and sometimes against it – but we must sail, and not drift, nor lie at anchor.” Oliver Wendell Holmes, Jr.



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“Bay National Bank offers a sophisticated service with a down-home attitude that exemplifies a home town bank. We have been in the process of moving most of our accounts from our current banks to Bay National because we no longer feel like we are an important part of the big banks’ long- term plans. At the end of the day, personal service will always win.”

Mike Rabasca, Owner

AWB E NGINEERS “Bay National Bank is a first-class business that treats their clients as valued customers! We were skeptical to change banks at first but little did we know how easy banking would be with Bay National… with accurate bank statements, no hidden charges, and a professional, friendly staff. Bay National answers their phone with a real person and is action-oriented to respond to our needs quickly, if not, immediately. We recently started inhouse check scanning of our deposits and we never have to leave the office – we save time, gas and ultimately, money! Bay National Bank treats you like family — when you need them, they are there to help!”

Matt Drew, Executive Vice President

F ULLER H ALL & A SSOCIATES , I NC . “Bay National Bank has consistently proven their commitment to providing quality products and superior service. This is evident by the dedication of Bay National staff to cultivate the relationship and be very attentive to all of our banking needs. We are extremely pleased with our association with Bay National Bank and highly recommend them.”

Mike Marshall, President & CEO

L AW F IRM OF G EORGE G. S TROTT , J R . P.A. “This firm has had a long-standing banking relationship with Bay National Bank. If we have any questions, we can pick up the telephone and talk with a local person with whom we have developed a relationship. We know that we will not be confronted with trying to navigate a voicemail system that devours our patience and time. We highly recommend Bay National Bank for your banking needs.”

Constance H. Strott

T WILLEY , R OMMEL & S TEPHENS , PA “Bay National Bank has been able to provide the specialized escrow accounts needed by my business with the technology to make my business profitable. The Bank was able to streamline the whole escrow account process, so that my clients’ 1031 exchange funds are safe and secure and earning money market rates. My clients have gladly recommended Bay National Bank to their business associates because of the service and personal relationships that they receive by using the Bank.”

Robert L. Stephens, CPA, MS, Partner

Steve Fuller, President

Hugh W. Mohler, Chairman & CEO Gregory J. Olinde, Senior Vice President & Regional Manager, Commercial Banking Robert W. Freeman, Senior Vice President, Residential Mortgage Lending Audrey E. Orr, Vice President, Private Banking 109 Poplar Hill Avenue Salisbury, MD 21801





Business Journal

• May 2009


Director’s Journal General Assembly ends with much work to do By Brad Bellacicco

SACC Executive Director

This article was written by Legislative Interns Sade Dunnock, Jonathan Fitzsimmons and Natalie Papas with information from multiple sources including the Maryland Chamber of Commerce.


The State Budget for fiscal year 2010 was balanced with a combination of funding shifts, temporary cuts and freezes to state aid.

The 2009 General Assembly session ended at midnight on April 14 after 90 days. 2,674 bills and joint resolutions were introduced but the main focus was money. First, the session was driven by near panic over the looming budget shortfall caused by reduced income due to the recession and spending demands. Then the Federal government promised salvation in the form of a huge windfall. This resulted in the state government having to wait while the details of the big giveaway were hammered out in Washington. So as the session ended, many issues were left to die from lack of time. The State Budget for fiscal year 2010 was balanced with a combination of funding shifts, temporary cuts and freezes to state aid. Over $1 billion in federal stimulus funds were used to backfill state Medicaid and education funding. The state general fund budget for FY 2010 will decrease by 3.3 percent from the current fiscal year, while total state spending will grow by 3.5 percent. A $96 million year-end fund balance is currently projected for FY 2010, but the recession continues to take a toll on the state’s economy, lowering revenue estimates. The State of Maryland Operating Budget includes: $13.8 billion; $866 million in spending reductions; $162 million in local road maintenance cuts; $140 million use bonds to pay for open space; $1.5 billion in Federal economic recovery help; $265 million larger than last year’s capitol budget; and $150 million increase in state’s borrowing limit. A cut in highway users tax is being discussed, the $1.5 million that the City of Salisbury would receive in 2009 could be cut to $500,000 so the bulk of the money would be shifted away from the counties and municipalities and spent by the state.

A breakdown of the spending is: Dept. of Agriculture - $108.8 million; Dept. of Budget & Management - $46 million; Dept. of Business & Economic Development - $113.5 million; Dept. of Education - $6.72 billion; Dept. of Environment - $299.6 million; Dept. of General Services - $94.2 million; Dept. of Health & Hygiene - $8.5 billion; Higher Education Commission - $510.1 million; Public Higher Education - $4.7 billion; Dept. of Housing & Community - $300.3 million; Dept. of Human Resources - $1.9 billion; Dept. of Juvenile Services - $277.3 million; Labor Licensing & Regulation - $193.8 million; Dept. of Natural Resources - $281.2 million; Dept. of Planning $35.1 million; Dept. of Public Safety & Correction - $1.3 billion; State Police $287.7 million; and Dept. of Transportation - $3.7 billion. Maryland’s Capital Budget for 2010 is estimated at $3.2 billion. State Owned Capital Projects and Programs: Education - $597.2 million; Health and Environment - $436.4 million; Public Safety - $191.3 million; Economic Development - $24.8 million; Other Projects - $310.5 million; Total - $1.6 billion Department of Transportation Projects is estimated at $1.6 billion: State Highway Administration - $739 million; Maryland Transit Administration - $449 million; Other Transportation Administrations - $412 million Some funded projects in Wicomico County: J.M. Bennett High School $6,200,000; Salisbury – New Elevated Water Tower - $2,618,000; Delmar Wastewater Treatment Plant – Biological Nutrient Removal - $1,000,000; SU: Maggs Gym (1967) Replacement of Roof Section #7 and #3 - $536,000; Salisbury Main Library – Site Acquisi-

Salisbury Area Chamber of Commerce 144 East Main Street, Salisbury, MD • Phone: 410-749-0144 • Fax: 410-860-9925 email: • Website:

tion - $375,000; Delmar Biological Nutrient Removal - $300,000; Salisbury – New Elevated Water Tower - $300,000; Salisbury District Court Multiservice Center – Repair Water Infiltration - $274,000; SalisburyWicomico Senior Center - $200,000; Poplar Hill Pre-Release – Replace 3 Tanks - $200,000; UMCP – Lower Eastern Shore Research & Education – Salisbury – Pipe, VAT/Mastic, Cement Board, Roof - $96,000; Fruitland Playground - $35,000; and Pittsville Library – Replacement - $20,000. Despite the state’s budget problems, the General Assembly managed to resist the adoption of new taxes. The Salisbury Area and Maryland Chambers led business organizations in opposition to Senate Bill 603/House Bill 1244 that would have implemented a corporate income tax system of unitary combined reporting and jeopardized single sales factor apportionment for manufacturers. The Chambers also defeated Senate Bill 1071 that would have imposed sales tax on out-of-state vendors that advertised in Maryland. Some other Maryland General Assembly actions from this session were: • Defeated Senate Bill 472 that would have limited the income tax deduction for corporate officers above certain salary levels. • Legislation to increase the motor fuel tax by $.05 (HB 1214) and $.10 (HB 746) did not pass the General Assembly. • Passed Senate Bill 88 provides manufacturers with additional time to file a personal property exemption application with the State Department of Assessments and Taxation. • Defeated Senate Bill 302/House Bill 188 would have shifted additional property tax burdens to business real property. • Defeated Senate Bill 727/House Bill 983 would have imposed transfer and recordation taxes on transfers of controlling interests in small real property entities. • House Bill 1061 would have required every Maryland employer to annually provide an electronic or writ-

ten notice to employees that may be eligible for the earned income credit. Workplace regulations changes • Flexible Leave Act, which impacts all employers who have 15 or more employees. This legislation (Senate Bill 562) clarifies the key terms including child, parent, employer, and leave with pay and explains that employees may use leave with pay to care for an immediate family member who is ill. It also narrows the provision prohibiting an employer from discharging, demoting, suspending, disciplining or threatening to take such actions against an employee. • Government Mandated Shift Breaks- the Chamber helped defeat legislation (SB 660/HB 16) to impose a government-mandated, one-size-fits all approach to shift break benefits. This legislation would have created administrative burdens for private sector employers, as well as including a new private right of action. • Employee Misclassification - The General Assembly passed legislation (SB 909) that creates a presumption that work performed by an individual paid by an employer creates an employer-employee relationship. This legislation applies to construction and landscaping businesses, and establishes investigative procedures and penalties for noncompliance. • Unemployment Insurance, SB 270/ HB310 makes an individual whose availability to work is restricted to parttime work eligible for unemployment benefits. The individual must have worked predominantly throughout the year on a part-time basis for at least 20 hours per week. • An increase in unemployment pay passed. SB 576/HB 740 is compromise legislation between business and labor groups that increases the maximum weekly benefit amount by $30 beginning on Oct. 1, 2009, and by $20 beginning Oct. 1, 2010. • The General Assembly also passed legislation (HB 242) specifying that all severance and dismissal payments are deductible from unemployment insurcontinued on page 12

INDEX Ad Directory . . . . . . . . . . . . . . . . . . . . 34 Barometer . . . . . . . . . . . . . . . . . . . . . . 9 Benefit Spotlight . . . . . . . . . . . . . . . . 12 Business After Hours . . . . . . 29, 30, 33 Business Directory . . . . . . . . . . . . . . 24 Business Mix . . . . . . . . . . . . . . . . . . . 14 Calendar . . . . . . . . . . . . . . . . . . . . . . 11 Chamber news . . . . . . . . . . . . . . . . . . 4 City of Salisbury . . . . . . . . . . . . . . . . 17 Committee Spotlight . . . . . . . . . . . . . 11 Education . . . . . . . . . . . . . . . . . . . . . 26

First Job . . . . . . . . . . . . . . . . . . . . . . . . 6 Health . . . . . . . . . . . . . . . . . . . . . . . . 22 Human Resources . . . . . . . . . . . . . . . 31 Investing . . . . . . . . . . . . . . . . . . . . . . 13 New members . . . . . . . . . . . . . . . . . . . 5 Personnel . . . . . . . . . . . . . . . . . . . . . 20 Real Estate . . . . . . . . . . . . . . . . . . . . 16 Renewals . . . . . . . . . . . . . . . . . . . . . . . 8 Salisbury University . . . . . . . . . . . . . . 32 Seek & Find . . . . . . . . . . . . . . . . . . . . 12


Area students enjoy Career Day On March 17, the Young Professionals (YP) Committee of the Salisbury Area Chamber of Commerce, in conjunction with the Wicomico County Board of Education hosted the third annual Career Day. Over 1,200 ninth grade students in Wicomico County public schools attended the event at Salisbury University. Students selected four classes from 32 different career opportunities available in the local marketplace. Each student experienced four 15 minute presentations during their time on campus. Salisbury University generously allowed the use of three buildings for the event: Devilbiss, Henson and Caruthers Hall, allowing students to enjoy a real college campus setting. The Wicomico Board of Education provided extensive support of the event including scheduling, transportation, supervision, a professional motivational speaker for the opening assemblies at each high school, and even some of the presenters for the event. The event would not have been possible without the support of our spon-

Business Journal

• May 2009

Chamber news

Lower Shore Chambers of Commerce

Chamber Berlin Crisfield Delmar Fruitland Ocean City Ocean Pines Pocomoke City Princess Anne Salisbury Snow Hill

Phone 410-641-4775 410-968-2500 302-846-3336 410-341-4803 410-213-0144 410-641-5306 410-957-1919 410-651-2961 410-749-0144 410-632-0809

Key contact Bill Outten Valerie Howard John Johnson Jean Hungiville Melanie Pursel Carol Ludwig Jill Marsh Dennis Williams Brad Bellacicco Barry Laws

Dues* $100 $100 $60 $50 $150 $130 $150 $50 $200 $70

Members 200 165 88 65 780 300 132 105 870 70

Fax 410-641-3118 410-968-0524

410-213-7521 410-641-6176 410-957-4784 410-651-2118 410-860-9925 410-632-3158

* Basic annual membership cost.

sors: Salisbury Area Chamber of Commerce Foundation, Peninsula Regional Medical Center, Becker Morgan Group, Comcast Spotlight, Delmarva Tele-plus, Mallard Landing, Trinity Sterile, First Shore Federal Savings & Loan, Kids of Honor, J. Scott Robertson, PA, and Wor-Wic Community College. The final step in the Career Day

event process includes students completing an essay entitled, “What I Want to Do When I Graduate High School.” This component enables the YP Committee to ensure students are gaining beneficial insight into the vast career opportunities that are available. Three winners will be selected from each of the four high schools and will

receive the following prizes: • First place - $100 gift card courtesy of Accurate Optical, Delmarva Teleplus, Pohanka Automotive Group of Salisbury and Vernon Powell Shoes. • Second place - movie passes courtesy of Stadium 16 Salisbury. • Third place - four combo meal tickets courtesy of Chick Fil-A.

Business Journal

• May 2009


New SACC Members Colonial Life

Shaun Smith 104 Butler Court Fruitland, MD 21826 410-739-7104 A supplemental benefits company with an emphasis on benefits communication. Referred by Tony Nichols of BBSI.

Country Properties Real Estate

Peter D. Evans 409 Valleywood Dr. Salisbury, MD 21804 410-430-8178 Real estate company with a focus on customer service.

Delmarva Water Transport Committee

Becky Robinson The City Center, Suite 207 (Box 3) 213 West Main St. Salisbury, MD 21801 410-742-9559 410-742-9559 Promoting the health and navigability of the Eastern Shore waterways to ensure future access for commerce.

Eagle Recycling, LLC

Kaleb Jones 510 West Rd. Salisbury, MD 21801 410-677-3777 410-912-0709 Providing the Salisbury area with an

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Scott Lubore 7611 A. Rickenbacker Dr. Gaithersburg, MD 20878 301-963-8080, ext. 202 301-963-8181 Full service office products and furniture company. Referred by Sandy Fitzgerald-Angello of Pohanka Automotive Group of Salisbury.

Sonic Drive-In

Jeff Apuan 316 Riding Ridge Rd. Annapolis, MD 21403 940-783-8182 A drive-in restaurant offering madeto-order American classics, signature menu items, speedy service from friendly carhops and heaping helpings of fun and personality.

Success Performance Solutions

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7171 Bent Pine Road At Route 50 | PO Box 770 Willards, MD 21874 | Career Day - On March 17, 2009, the Young Professionals (YP) Committee of the Salisbury Area Chamber of Commerce, in conjunction with the Wicomico County Board of Education hosted the third annual Career Day. Over 1200 ninth grade students of the Wicomico County Public Schools attended the event at Salisbury University. The students were able to select four classes from 32 different career opportunities available in the local marketplace. Each student experienced four 15 minute presentations during their time on campus. Salisbury University generously allowed the use of three buildings for the event: Devilbliss, Henson and Caruthers Hall, allowing students to enjoy a real college campus setting. The Wicomico Board of Education provided extensive support of the event including scheduling, transportation, supervision, a professional motivational speaker for the opening assemblies at each high school, and even some of the presenters for the event.

It doesn’t have to be.


Business Journal

• May 2009

First Job: Hospitality business a natural fit for Nimla Dilworth By Ann Wilmer

Some of the members of the Board of Directors at the annual Chamber Banquet. From left in the first row are Michelle Miles and Millie Cappello. In the second row are Stephen Franklin, Douglas McCabe, Dwight Miller, Joe Beail, Gary Gaskill, Bradley Gillis and Travis Fisher. In the back row are John C. Davis, Clay Tarpley, Kenny Soni and Memo Diriker.

Officers and directors sworn in at annual chamber banquet Continued from page one

School of Business at Salisbury State University. In 1995, Jim assumed the advertising spokesman role from his dad. As leader of Perdue’s executive team, Jim focuses on company growth strategies and long-range planning. He is active in poultry industry organizations and is a member of the Executive Committee of the National Chicken. Also attending were Frank Kratovil, congressman for Maryland’s First District, who offered some brief remarks. Maryland legislatures present included Senators J. Lowell Stoltzfus and Richard Colburn plus Delegates Norman Conway, Addie Eckardt and Jim Mathias. Len Foxwell of the Maryland Comptrollers Office was also present. Sponsors for the event were PNC Bank, Peninsula Printing and Gillis Gilkerson, Inc. In keeping with tradition, a community leader received the Chamber of Commerce Award. Delegate Norman Conway was honored for his many years of service to the City of Salisbury, Wicomico County, the Lower Shore and the state of Maryland. The 2009-2010 slate of officers and

Help from Dale Carnegie

As a member of the Salisbury Area Chamber of Commerce you will want to take advantage of the Chamber’s efforts to stimulate business development. The Chamber is working with Dale Carnegie Training to sponsor a program designed to assist members with new business development.

directors were sworn in by Past President Philip Tilghman. Officers include: president elect Dawn Tilghman, owner of Burnett White Tire & Auto; first vice president - Sandy Fitzgerald-Angello, Pohanka Automotive Group of Salisbury; second vice president - Ernie Colburn, general sales manager for Comcast Spotlight; third vice president - Victor Lowe, practice administrator for Peninsula Neurosurgical Associates; secretary/treasurer - Bill Tingle, owner of Delmarva Tele-Plus, Inc.; assistant secretary/treasurer - Robert Mulford Jr., owner of Market Street Inn; legal counsel - S. James Sarbanes, partner at Laws & Sarbanes; and assistant legal counsel - Matthew Maciarello, associate in the law firm of Hearne & Bailey, P.A.  The Board of Directors includes: Ruth Baker, Joe Beail, Millie Cappello, Lynn Creasy, John C. Davis, Julie DeYoung, Memo Diriker, G. Matthew Drew, Travis Fisher, Stephen Franklin, Gary Gaskill, Bradley Gillis, D. Nicole Green, Eddie Johnson, Douglas McCabe, Michelle Miles, Dwight Miller, Kenny Soni, Jean Sewell, Joseph Stefursky and Clay Tarpley. This process begins with a discussion of your business issues with Doug Harbaugh from Dale Carnegie. Options available to members may include a free workshop for your team, and/or participation in the Sales Advantage Course in May. Nothing happens until a sale is made! The Chamber is here to help make that happen. Call 410-749-0144 and ask for Doug.

Nimla Dilworth was literally born into the hotel business. While her parents were visiting New York City (her father was there on business) she was born in the hotel where they were staying. About 15 days later, the family settled into the Hilton Istanbul in Turkey where they lived for several months while her father worked on a construction project for his American client. She said staff members delighted in spoiling her because they enjoyed having a baby in residence. The family was based in Turkey but traveled extensively. Her father was an industrial engineer who built manufacturing facilities for U.S. Steel and Kellogg’s. Over the years, they spent a lot of time in hotels where they were welcomed and treated well. She was impressed early at what a difference an attentive staff makes for visitors. They spent time in Zurich. She went to private school in Switzerland where she became fluent in French.

Nimla Dilworth

Business Journal

• May 2009

Her father spoke three languages, her mother (the daughter of a Turkish diplomat) six. Dilworth is fluent in French and English as well as Turkish. When she was growing up, her parents encouraged her to entertain her friends at their home rather than going out. So she became an experienced hostess at an early age. The hospitality business seemed a natural fit. “When we were looking into college, my brother suggested I look into hotel management,” she said. “He told me I would ‘be a natural.’ ” So, after a year studying business management in Birmingham, England, she transferred to Endicott College to study hospitality management where she got her degree in 1985. Sheraton International hired her right out of college and sent her to a new hotel in Turkey. Her parents were living in Turkey at the time. The planned project did not materialize, so she was given her first job in the industry working at a boutique hotel there. She started by managing the front desk, then got her hands in the banquet business and into sales and ended up being the general manager. She moved on to a job with Hilton International where she helped the company open a new property in Ankara, Turkey. She managed the executive floors providing VIP treatment to important business clients. Dilworth moved to Salisbury 19 years ago. After her father died, her brother persuaded her to give up the hotel business and open a gift shop on the Plaza. That business, Foreign Accents, featured handmade items and included hand painted tiles, imported from Turkey. She met her husband, Dale, son of local merchants, while planning the Christmas party for the Downtown Merchant’s Association. Her paternal grandfather had owned a retail store, so operating her own business wasn’t something she was totally unfamiliar with, but she found that she really missed the hospitality


industry and soon went to work for Marshall Management at the Holiday Inn where she eventually became the general manager. Later, Marshall Management sold the property. Marshall Management then sent her to Wyoming where she ran several small properties. Dilworth resigned her general manager’s job when she discovered she was expecting a baby and came back to Salisbury. But she found it difficult to stay home and soon found another position in the industry working in both Ocean City and Salisbury before taking a hiatus when her son was a toddler to devote herself full time to his upbringing. After 18 months, she felt comfortable returning to work and eventually ended up at the Ramada Inn, where she is helping to manage the transition to a Holiday Inn. Dilworth is now the director of marketing. She is enthusiastic about a completely renovated lobby, enlarged banquet space and combined restaurant and bar that will offer a cozy, comfortable and quiet place for lunch, drinks or dinner. It will feature high quality and inexpensive food. “We still host a lot of wonderful weddings. And we have conference facilities.” The 159 rooms will become 156 after some are converted to two-room suites. The present owners of the property have invested $5 million, using local help, to improve the location in downtown Salisbury. Dilworth said the inn hosts the chamber luncheon every month. They also host a number of women’s groups. And they host guests of the Poodle Club when they come for the show at the Civic Center. That brings visitors from around the world to the local airport where the hotel shuttle will pick them up. “I want to bring the dazzle back to downtown,” she said. “I want Salisbury to be proud of their full service hotel, to bring the glamour back.”

Do You Have Questions About

Retirement Plans & Investments ? Call today for information Timothy A. Gonzales, AAMS® Financial Advisor 410-548-5400 ext 305 800-568-5408 1131-A South Salisbury Blvd. Salisbury, MD 21801

Securities and Insurance Products: NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY - MAY LOSE VALUE - NOT A DEPOSIT OF OR GUARANTEED BY A BANK OR ANY BANK AFFLILIATE Wachovia Securities, LLC, Member SIPC, is a registered broker-dealer and a separate nonbank affiliate of Wachovia Corporation. ©2008 Wachovia Securities, LLC


Business Journal

• May 2009

Salisbury Area Chamber of Commerce renewals A+ Driving School, Inc. AAA Employment Agency Accurate Optical Company ACE Printing & Mailing Airport Self Storage Al Chandler Construction Alarm Engineering, Inc.

Allen & Shariff Corporation American Lung Association of Maryland Arby’s Roast Beef Restaurants/Delmarby, Inc. Auto Pro Inc. Automated Copy Systems, Inc. Avery W. Hall Insurance Agency, Inc. Azar/Filipov, M.D. P.A.

The Bank of Delmarva Barr International, Inc. Bozman’s Floor Covering Charles P. Brenner, D.D.S., P.A. Charles Brown Glass Company Bud Esham Homes A Buyer’s Agent

RIBBON CUTTING - A ribbon cutting ceremony was held on Friday, March 20, at Summersgate, the newest residential community on the Eastern Shore designed for residents age 55 and older. Summersgate is located on 44 acres near the intersection of Snow Hill Road and Johnson Road in Salisbury. A spectacular 7,500 square foot club house, which will include a fitness center, library, computer suite, game room, party/meeting room and swimming pool, will be built on the campus for the exclusive use of homeowners. Summersgate is designed to offer village-style living with sidewalks and walking trails. For more information, contact Summersgate at 410-543-8750.

Cadista Pharmaceuticals Inc. CAREFIRST Carey Distributors, Inc. Cato Gas & Oil Company Choptank Electric Clear Channel Outdoor, Inc. Coastal Association of Realtors Coastal Hospice Coastal Title & Escrow Corp. Comcast Bay Shore Group Community Foundation of the Eastern Shore Cooper Insurance Agency, Inc. The Country House, Inc. Country Inns & Suites Courtesy Chevrolet Cullen, Insley & Benson, LLP Curves of Pemberton Data Services, Inc. Delaware Tire Center, Inc. Delmarva Broadcasting/ WICO,WXJN,WQJZ,WXMD Delmarva Collections, Inc. The Delmarva Dempseys, KFC/TB Inc. Delmarva Oil, Inc. Delmarva Power Design Atlantic Ltd. DLLR, Division of Workforce Development Dove Pointe

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Business Journal

• May 2009


Salisbury-Ocean City-Wicomico Airport

Wicomico County Sales Tax Collections by category March ‘09

February ‘09

March ‘08

Food & Beverage








General Merch.




Automotive & Oil




Furniture & Appl.




Building Supplies




Utilities & Trans.




Hardware & Equip.












March ‘08 . . . . . . . . . . 9,316 April ‘08 . . . . . . . . . . . 9,718 May ‘08 . . . . . . . . . . . 10,199 June ‘08 . . . . . . . . . . 10,220 July ‘08 . . . . . . . . . . . 11,572 August . . . . . . . . . . . 11,427 September . . . . . . . . . 9,641 October ‘08 . . . . . . . . 10,054 November ‘08 . . . . . . 8,889 December ‘08 . . . . . . . 8,590 2008 Total . . . . . . . 116,705

-7.5 3.7 -3.7 -7.7 -1.8 -4.5 -1.6 -5.2 -3.2 2.1 -2.6

January ‘09 . . . . . . . . . 8,123 February . . . . . . . . . . . 7,310 March ‘09 . . . . . . . . . . 8,359

-5.8 -13.1 -17.0

Airline Passengers Enplaned/Deplaned

The number in the right column is the percentage of change in passenger activity compared to the previous year.

National, State, County Unemployment Rates Sep Oct Nov Dec Jan




































Information courtesy of Comptroller of the Treasury, Retail Sales Tax Division.

Information courtesy of the Maryland Job Service at the One Stop Job Market. (Not seasonally adjusted.)

Construction sites Demoliton Tear-Downs Clean-ups Permanent Locations



(plus tonnage)


Residential Commercial Industrial Remodels Empty that garage

to haul away your debris

Call 410-749-4072 Since 1935


Business Journal

Chamber of Commerce Renewals continued from page 8 Eastern Shore Distributing Edible Arrangements Edward Jones Investments Gamee Elliott/State Farm Ins. Elliott/Kinnamon Construction Ennis Plumbing & HVAC, Inc. ERA Martin Associates The Farmers & Planters Co., Inc. First Allied Securities, Inc. First State Packaging, Inc. Fountains Wedding & Conference Center Generations Financial Advisors, Inc. George, Miles & Buhr, LLC Gillis Gilkerson, Inc. Grist Mill Gardens, Inc. Habanera Farm, LLC Habitat For Humanity of Wicomico County, Inc. Hanna, Kremer & Tilghman Ins., Inc. Hearne & Bailey, P. A. Hebron Savings Bank G. B. Heron & Company, Inc. Holloway Funeral Home, P.A. Horner Honda John P. Houlihan, Attorney Humane Society of Wicomico County, Inc. John D. Hynes & Associates, Inc. I.D.E.A.S., INC. R. C. Insley Co. Interior Motives Gallery

ISG International JA of the Eastern Shore, Inc. Jiffy Lube/Shockley Mgmt., Inc. Jostens K & L Microwave, Inc. Kids of Honor Kitchen Concepts Plus Kitty’s Flowers, Inc. Kuhn’s Jewelers, Inc. Laws & Sarbanes, P.A. Lens-Art Studio Life Crisis Center, Inc. Lifetime Masonry/Gen. Const. Co., Inc. Long & Badger, P.A. Lower Shore Enterprises, Inc. MAC, Inc. Area Agency on Aging Cynthia B. Malament - Attorney at Law Martin & Moore Realty W. R. McCain & Associates, Inc. Robert L. Messick, Inc. MetLife Home Loans Mid-Delmarva Family YMCA Mid-Eastern Oil Company, Inc. MidAtlantic Farm Credit, ACA Morning Star Publications Nock Insurance Agency Joe Ollinger The Paper People Co., Inc. John B. Parsons Home

• May 2009

The Peninsula Insurance Company Peninsula Cardiology Assoc., P.A. Peninsula Home Care Peninsula Regional Medical Center Peninsula Roofing Company Pepsi-Cola Bottling Co. Perdue Farms Inc. Piedmont Airlines, Inc. Pine Bluff Self-Storage PKS & Company, P.A. Plymouth Tube Company Premier Planning Group Prettyman Broadcasting Company Quality Staffing Services Regional Builders, Inc. Rental Equipment Center Pete Richardson Auctions Sales, Inc. Rinnier Development Company Robinson & Harrison Poultry Company, Inc. Rommel Electric Company Rowles & Company, LLP Thomas H. Ruark Builders-Developer, Inc. S & S Realty Inc. Saladworks Salisbury Animal Hospital Salisbury Brick Company, Inc. Salisbury Center--Genesis ElderCare Salisbury Metro Lions Club Salisbury Moose Lodge 654 Salisbury University ServiceMaster of Salisbury Sharp Water

Announcing Wii Fit Call to see how this can be used in your rehabilitation!

Shore Bank Shore Distributors, Inc. Shore Paper Box Company David W. Simpson, Jr., P.A. Sparkle Wash Staples Store #411 Subside Deli, Inc. Telewire, Inc. Tidewater Physical Therapy and Rehabilitation Tishcon Corporation Trinity Sterile, Inc Milford W. Twilley, Inc. United Way of the Lower Eastern Shore Value Carpet Venture Manor Farms, Inc. Vernon Powell Shoe Company Wachovia Securities Wal-Mart Stores WBOC TV Webb, Burnett, Cornbrooks, Wilber, Vorhis, Douse, Mason Weisner Real Estate, Inc. Wells Fargo Home Mortgage Westwood Development LLC Wicomico County Board of EducationWicomico County Dept. of Social Services Wicomico County Farm Bureau Wicomico Public Library Wigglesworth, Layton & Moyers, P.C. Wilgus Insurance Wor-Wic Community College

• Handicap accessible. • One-on-one therapy • Therapists get in the pool


Specializing in: Aquatic & Land Therapy • Hand Therapy • Balance & Vestibular Rehabilitation Orthopedic Rehabilitation • Spine Rehabilitation • Injured Workers’ Rehabilitation Lymphedema Management • Osteoporosis Management •Incontinence/Pelvic Pain Fibromyalgia & Arthritis • Multiple Sclerosis • Sports Medicine Wound Management Pre/Post Pregnancy • Breast Cancer Recovery Warm Water Aerobic Classes • Personal Training Pool & Gym Memberships

Not all services available at all locations

Salisbury, MD • 410-548-7600 (Milford St.) 410-677-0700 (Injury Center) Easton, MD • 410-770-9720 • Millville, DE • 302-539-3110 Lewes, DE • 302-945-0200 • Millsboro, DE • 302-945-4250

Business Journal

Calendar of Events Tuesday, May 5 – Ambassador Committee, Bob Evans Restaurant, Bob Evans Restaurant, 8 a.m. Wednesday, May 6 – Business After Hours, Lower Shore Chapter of the American Red Cross, 5-7 p.m. Wednesday, May 6 – Young Professionals Committee, Chamber Business Center, 5:30 p.m. Thursday, May 7 – Beautification Committee, Chamber Business Center, noon. Friday, May 8 – Executive Committee, Bob Evans Restaurant, 7:30 a.m. Monday, May 11 – Workforce Development, Poplar Hill Mansion, noon. Wednesday, May 13 – Membership Committee, Bob Evans Restaurant, 8 a.m. Wednesday, May 13 – Business After Hours, Woodbrooke Medical Park (PRMC hosting), 5-7 p.m. Thursday, May 14 – Local Legislative Committee, Wor-Wic Community College, 7:30 a.m. Friday, May 15 – Recycling Commit-

tee, Chamber Business Center, 8 a.m. Tuesday, May 19 – Agri-Business Committee, Chamber Business Center, 7:30 a.m. Tuesday, May 19 – Elder Care Provider Network, Genesis Healthcare, 8:30 a.m. Tuesday, May 19 – Budget & Finance Committee, Chamber Business Center, noon. Wednesday, May 20 – Business Affairs Committee, Chamber Business Center, 8 a.m. Thursday, May 21 – General Membership Luncheon, Ramada Inn & Conference Center, guest speaker: Mike Lewis, Wicomico County sheriff, noon. Monday, May 25 - Memorial Day, Chamber Office closed. Tuesday, May 26 – Executive Committee, Chamber Business Center, noon. Wednesday, May 27 – Board of Directors, Chamber Business Center, noon. Thursday, May 28 – PR & Marketing, Chamber Business Center, noon.

• May 2009


Committee Spotlight Agri-Business The purpose of Agri-Business Committee is to support and promote local agriculture, critical issues, events and political agriculture agenda. In our region Agri-Business Agriculture includes: poultry (chickens), poultry business integrators, dairy, aquaculture, commercial sod production, grain dealers, vegetable stand retailers, small farms, large chicken farms, organic herb farming and organic vegetables. As we move into the 2009-2010 Chamber year our goal is, “Re-emphasizing Agriculture Education for children & adults”. The committee will approach this by focusing on the following: • Determine guidelines for reestablishing Future Farmers of America (or FFA), especially in Parkside, Mardela and Bennett school systems. • Encourage Wicomico County and Salisbury schools to assist in reestablishing and funding FFA programs. • Assist in promoting local agriculture in county schools and general public. • Develop a format and Chamber

website ( heading, devoted to Community/ Chamber Agri-Business.

• Initiate annual Chamber AgriBusiness Committee Agriculture Ambassador, presented at the annual Chamber banquet.

• Investigate and develop a format for “Annual Lower Eastern Shore Agriculture Week,” for the purpose of getting the general public and news media involved in the process and define just how important agriculture is to the local economy. • Increase the cooperation and closer relationship of local agriculture organizations and the Chamber AgriBusiness Committee, especially with 4-H, Farm Bureau, Delmarva Poultry Industry Association Inc., and Mobile Area Education Foundation (MAEF).

If you would like to be a part of this important mission, the committee meets the third Tuesday of each month at 7:30 a.m. at the Chamber. For more information, call Dr. James McNaughton at 443-235-6539 or Chamber liaison, Donna Griffith at 410-749-0144.


Business Journal

• May 2009

General Assembly ends with successes for business community continued from page 3

ance benefits, regardless of whether the unemployment is a result of job abolition. Some successes for the business community included: • Defeating legislation (SB 831/HB 1249) that would require Maryland employers of 50 or more employees to pay employees overtime for hours worked in excess of eight hours per day, instead of the current requirement that overtime only be paid for hours in excess of 40 in a week. This protects flexible time schedules. • Defeating legislation (HB 902) that sought to expand Maryland employers’ obligations under the federal Family and Medical Leave Act (FMLA) by establishing a new group of covered relations for whom leave may be taken under FMLA. • Defeating legislation (SB 451/HB 1287) that would have increased criminal penalties for violations of specified wage and hour laws from $1,000 to $2,500 as the maximum fine for a first violation. • Additionally, legislation (SB 452/ HB 1288) that would have provided that an employee who prevails in a claim of unpaid wages be awarded triple damages, plus a new penalty of two times the amount of unpaid wages, plus attorney’s fees and cost was defeated. Energy and Environment • Re-regulation: Interested business and labor organizations defeat legislation (SB 844/HB 1530) that would have attempted to partially re-regulate Maryland’s electric market by allowing the PSC to require utilities to build new power plants and set rates. The proposal would have re-established the integrated resource planning

process that was in place prior to electric restructuring in 1999 and required each electric company to develop and submit long-range plans regarding electricity needs and the means to meet those needs. While the Senate passed the proposal, the House Economic Matters Committee voted instead to study the issue over the summer. • Standing: The General Assembly passed compromise legislation (SB 1065/HB 1569) between the business and environmental communities. The legislation repeals specified contested case hearing provisions related to permitting decisions by the Department of the Environment. The compromise provides for increased participation regarding permitting decisions, while ensuring certain protections to the business community, and providing for a more rapid permit process. • Greenhouse Gas Emissions: The General Assembly passed legislation (SB 278/ HB 315) that requires the State to reduce statewide greenhouse gas emissions by 25 percent from 2006 levels by 2020. The legislation, which exempts manufacturers from contributing to the required 25 percent reduction, would be up for review by the legislature in 2016. Civil Liability Maryland businesses again were the targets of numerous bills that would have exposed them to increased liability and lawsuits. The following died in the legislature this year, but may be back in the 2010 session. • False Claims: Legislation that would have enabled individuals to collect bounties from suing state government contractors (SB 830/HB 915) and

Seek and Find Every month, the Salisbury Area Chamber of Commerce places three questions that pertain to information found in the previous month’s Business Journal or a special event that happened at a Business After or Before Hours, a Chamber event, or even information regarding your Chamber staff. We invite you to e-mail your answers to If all three of your answers are correct, your name will be placed in a drawing for a free ad in the Business Journal. The drawing prizes are subject to change each month. You are encouraged to ask your fellow Chamber members for assistance in answering the questions. Good luck! 1. Who was featured in the “First Job” article in the April Business Journal? 2. Where can you go to get oyster fritters, face painting and music in the same weekend in April? 3. Which Chamber on the Eastern Shore holds their Annual Banquet, Golf Tournament and three day Festival in the month of April? April answers 1. Crown Family Entertainment Center 2. 2009 Regional Economic Forecast 3. Phil Tilghman

health care providers (SB 272/HB 304) for an allegation of filing a false claim for benefits. • Market Share Liability: Legislation that would have imposed an unprecedented standard of liability for companies that previously sold lead paint based on their market shares (HB 1156). • Non-economic Damages: Legislation to increase the cap on non-economic damage awards for lawsuits alleging wrongful death resulting from medical malpractice (SB 505/HB 237). • Consumer Protection Act Damages: Legislation that would have increased class action lawsuits by allowing up to treble damages for certain violations of the Consumer Protection Act (HB 797). Health Care • Small Group Reform: Legislation (SB 637/HB 674) passed that will inject much needed market based reforms into the small group health insurance market, including providing comparative information on the Maryland Health Care Commission’s website, authorization of pre-existing condition exclusions, widening rating bands and authorizing discounts for new employer groups with healthy enrollees. •Wellness Incentives: Legislation (SB 638/HB 610) passed that will expand the ability of health insurance carriers to offer reasonable incentives for employees to participate in wellness programs. • Employer Mandates: Several significant employer health care mandates were defeated, including priority legislation that would have imposed a 2 percent employer payroll assessment to fund a universal health care plan (SB

813/HB 951), required an open-ended employer play-or-pay assessment (SB 515/HB 860), and established a costly health care benefit for individuals with autism spectrum disorders (SB 394/HB 273). State Procurement • A number of bills were defeated that would have detracted from Maryland’s market-based competitive bidding procurement process, including legislation to expand the prevailing wage on construction contracts (HB 1409) and bills that would have forced all Maryland companies that have state procurement contracts to participate in the federal E-Verify system and be subject to additional sanctions for employment violations (SB 696/HB 502). Legislation (HB 1307) was also defeated that would have required businesses with a state construction contract to provide a state-mandated level of health insurance for their employees, as well as a bill (HB 708) to require any entity receiving state financial incentives to follow the state’s minority business employment guidelines. Market Intervention • Several bills that would have unnecessarily injected state government into the marketplace failed, including legislation to limit the terms of consumer contracts (HB 1048), authorize price controls during a state of emergency (SB 707/HB 416), and legislation that would have required business owners to give a right of first refusal to employees (SB 820) or gas station tenants before selling their property (SB 858/ HB 1100).

Benefit Spotlight

Cavalier Telephone Service The Chamber is adding new ben-

efits each month as companies strive to help up help each other.

Over the next couple of months we

will share these with you in hopes that you will be able to use them to save

yourself or your company money on

products and services you must use in your daily activities.

Not every benefit / discount will

apply to your business, but many will. Often times a quick call to the Chamber or a click on our website will tell

you all you need to know about a specific program.

For instance, Cavalier Business

Telephone now has local representa-

tion and with a review of your current

services, may well be able to save you

up words of 30% on your monthly bill. Cavalier offers Voice, Data, and Wide Area Networks.

You may get a free quote by log-

ging onto .

From this web address you can see all of the services available to you.

If you have questions regarding this

program, feel free to contact Cathie or Brad at the Chamber, 410-749-0144.

Business Journal

• May 2009



Today’s investments are for your long-term goals During difficult times in financial markets, it can be hard to stay committed to investing. After all, if many of your investments have lost value, you might be tempted to just put your money under your mattress. But that’s not really a productive use of your funds, and it almost certainly won’t help you achieve your objectives. So instead of choosing the mattress route, try changing the way you look at your financial situation — by focusing more on your long-term goals and less on the day-to-day performance of your individual investments. In other words, you’re not only investing in “Investment A” — you’re investing for a comfortable retirement. And you’re not just putting money away in “Investment B” — you’re saving for your child’s college education. Once you realize that you are actually investing in these long-term goals, you may find it easier to cope with the ups and downs of investments A, B, C and all the others you own. Of course, this doesn’t mean you never have to adjust your portfolio, but if you are investing in your goals, and not just individual vehicles, you’ll find it easier to maintain the focus you need to employ suitable investment techniques. What are some of these techniques? Consider the following: • Invest appropriately for your stage of life. The long and steep stock market decline of recent months has been especially painful for investors within a few years of retirement. Not only have these people sustained losses, but they also have only a limited amount of time in their working lives for their portfolios to recoup value. Unfortunately, to help pay for living expenses in retirement, they may eventually have to sell investments whose values are down. To avoid this problem, you will need an adequate amount of cash instruments and fixed-income investments available during your retirement. • Look for quality. Market

downturns can hurt most types By purchasing of investments, but quality stocks quality investusually lose the ments, and holding least in value them for the long and recover the quickest. To term, you can help find these qualboost your chances ity stocks, look for companies for success. with superior track records of performance is not an indicaperformance, strong management teams and tion of future results, some competitive products. Also, industries have better prospects study the industry to which for growth than others. these firms belong. While past • Buy and hold. After

you’ve built a portfolio of quality investments, hold them until either your needs change or the investments’ fundamentals change. By purchasing quality investments, and holding them for the long term, you can help boost your chances for success while cutting down on the costs — both financial and strategic — associated with frequent buying and selling. • Maintain reasonable expectations. Back in the 1990’s, many investors got used to average annual returns of 15 percent or more. But these returns were more of an aberration

than a representative sample. For a variety of reasons, most investment experts foresee more modest returns in the near future. Once you accept this premise, you are far less likely to be disappointed with your own returns, and you will be less prone to make hasty decisions that may also prove to be bad ones. By following these suggestions, and by always remembering that the goals for which you are investing are more important than short-term investment returns, you can stay on track toward the future you’ve envisioned.



First Shore Federal receives rating

First Shore Federal Savings & Loan has received a rating of “Outstanding” for Community Reinvestment from its regulatory agency, the federal Office of Thrift Supervision (OTS). Under the Community Reinvestment Act, bank regulators are required to assess the record of federally insured banks and savings associations in meeting the credit needs of the community they serve. This record is a public document and the 44-page OTS report is available for review at any of First Shore’s eight branches across the Lower Eastern Shore. The OTS analyzed the association’s record of lending, investment and community development activities during a three-year period. First Shore has held a CRA rating of “outstanding” since 1995. Less than one in five banks receive such a rating during any examination period. First Shore Federal is a federally chartered, locally owned and managed mutual savings association with assets of $308 million and eight full service branches on the Lower Shore of Maryland and Delaware.

Nason offers green construction

Nason Construction announces the achievements of several professional staff members as they promote sustainable construction practices. Doug Gianforte is director of the Philadelphia Division of Nason Construction and has expertise in the healthcare, pharmaceutical, corporate and education markets. He is a LEED Accredited Professional and a Green Advantage certified contractor. Doug serves as an authorized trainer of the Green Advantage program teaching about healthy, high performance buildings across the MidAtlantic region. Mark Purcell, is a LEED Accredited Professional who has worked on several LEED Certified projects in the educational, government and institutional markets. He is a strong advocate for sustainable design and was reelected as president of the Delaware Valley Green Building Council. David Gehringer is a LEED Accredited Professional who recently joined Nason Construction as a senior estimator in the Philadelphia office. Dave has completed several LEED Certified projects and has a thorough understanding of the financial benefits of operating green buildings.

Roop Group is Exit Shore Realty

Harry and Adam Roop announce their partnership with the newest real estate franchise to hit the Eastern Shore

Business Journal

• May 2009

Business Mix

– Exit Realty International. “Over the past two years we spent quite some time looking for a solid, national organization that would allow our team to deliver a new level of products and services to the marketplace,” says Harry Roop, broker-owner of Exit Shore Realty. Exit Realty is an international network of real estate companies. With over 1,300 franchisees and 47,000 agents, Exit has become one of the 10 largest real estate companies in northern America. Exit Shore Realty is located in The Gateway Plaza Building (former Roop Group office), Downtown Salisbury. For more information, visit or call 410-912-0310.

Sharp Water donates water

Sharp Water continues to support area non-profit organizations and individuals by donating bottled water to charity events. Sharp Water donated water to the “Beat it With Brooke” walk-athon, held Jan. 25 to raise money for Brooke, the daughter of Rob and Amy Mulford, owners of Market Street Inn. Brooke is battling Stage 4 neuroblastoma. Sharp Water also donated water to the 10th Annual St. Paddy’s Day 5K Run & 2 Mile Walk held March 14 to benefit the Alzheimer’s respite care facility at MAC, Inc.; and the Ben Layton Memorial 5K Run/2K Walk held April 25. Sharp Water will donate cases of bottled water to the following upcoming events: Courageous Christopher 5K Walk/Run & Stroller Strut, 10 a.m., Friday, May 15, Asbury United Methodist Church; Healthy U’s Celebration of Health, 9 a.m.-2 p.m., Saturday, May 30; and the Alzheimer’s Association’s Memory Walk on Saturday, Oct. 10. Sharp Water, owned by D.J. and Cindy Shannahan, provides homes and businesses with EcoWater water treatment and purification products and services. For more information, visit www. or call 1-800-439-3853.

SVN sells six units

Brent Miller, CCIM, CPM, managing director for Sperry Van Ness – Miller Commercial Real Estate and Rick Tilghman, CCIM, advisor, recently sold six bank owned units within Village Square Shopping Center at the South Entrance of Ocean Pines. The units comprised of 9,322 square feet, were listed with Sperry Van Ness – Miller, and were on the market for three months. The six contiguous units sold for $850,000 with financing being secured

and settlement taking place in less than 30 days. The buyers were investors from Rehoboth Beach who plan to lease the individual units ranging from 1,190 to 8,000 square feet for $13.50 per square foot.

Cherry joins SVN

Karen Cherry has joined Sperry Van Ness – Miller as an advisor, working with John McClellan, CCIM and his team. Cherry, who was most recently employed with Rinnier Development Company, has nine years of experience in the commercial real estate industry, securing more than 200 transactions, and specializing in the sale and lease of office, industrial and retail property. Before working in Salisbury, she was director of the Client Solutions division at Cushman and Wakefield and a senior associate at CB Richard Ellis/Trammell Crow in Baltimore. Cherry has received numerous awards including the CoStar Power Broker for four consecutive years and being listed as #12 on the Baltimore Business Journal’s list of Heavy Hitters

in Commercial Real Estate in 2006. To contact Karen or John, email or or call the office at 410-543-2440.

Investment firms merge

The investment advisory firms of Livingston Wealth Management, LLC and Main Street Financial Services, LLC, announce their recent merger and relocation to 120 South Boulevard in Salisbury. Effective March 1, their new name is Livingston Hammond & Hill Wealth Management, LLC. A grand opening and ribbon cutting cerLivingston emony will be held on Monday, May 18 at noon. As an independent firm, they provide financial planning services and investment management for individuals, trusts, and businesses. They are affiliated with the brokerage firm Capitol

Business Journal

• May 2009

Securities Management, Inc. of McLean, Va. and use the investment custodial services of Bank of New York – Pershing. Members of the firm include Daniel L. Livingston, CFP; Hammond Heather L. Hammond; and Stephen E. Hill. Dan Livingston is a graduate of Florida State University’s Center for Professional Development - Financial Planning. He is also a certified financial planner Hill and has been a registered investment advisor since 1997. Heather Hammond holds a bachelor’s degree in business administration from Old Dominion University. She has been an investment professional since 2004. Steve Hill, who has been in the financial services industry since 1987, is an experienced registered investment advisor who has worked with two of the largest New York brokerage firms. To reach the firm, call 410-742-6413 or visit

‘Women Supporting Women’

During the month of May, Rommel’s ACE Hardware stores will spotlight Women Supporting Women and their fight against breast cancer. Donations can be made to Women Supporting Women at Rommel’s ACE Hardware stores. Employees will wear buttons stating “Please donate a dollar for WSW” with pink ribbons. Women Supporting Women is a community served, community supported agency serving the Eastern Shore of Maryland. Its mission is to provide awareness,


friendship and support for breast cancer survivors and their family. “We are extremely proud to help such a great organization as Women Supporting Women. Everyone has known someone in his or her life who has faced breast cancer. We invite the community to come down to our 12 stores and donate to this worthy cause,” said Dick Livingston, vice president of Rommel Holdings, based in Fruitland. Rommel’s ACE Hardware has invited Women Supporting Women representatives to their stores to supply information about the organization and accept donations. WSW volunteers will be available every Wednesday and Saturday during the month of May at these stores: Selbyville, Millsboro and Seaford, Del., Ocean City, Salisbury and Cambridge Md., and Chincoteague, Va. Scrolls will be placed at each location for people to sign with messages of hope. Women Supporting Women offers a safe, supportive environment, open to all women and men who have been diagnosed with breast cancer. They offer free wigs and supplemental mastectomy products and help for those facing breast cancer, as well as breast cancer survivors. The organization is non-affiliated. All funding remains on the Eastern Shore and the organization serves people of all ages, races, religions, incomes and backgrounds. WSW invites survivors in all stages and with all treatment options, and accepts referrals from physicians, family, friends, and survivors. Women Supporting Women recently added a Mid-Shore Chapter serving Dorchester, Talbot and Caroline counties. Visit for more informtion, or contact Sue Revel at 410-548-7880.

Networking 101

Always carry plenty of business cards with you. When you meet someone, hand them two cards one to keep and one to pass on to someone else.

Meetings Never Looked So Good! Fu rn it u re So l u e c i f f O tion L C s D Office Furniture Interior Design Home Office Furniture Floor Coverings Window Treatments Relocation Services

Harkins is pleased to have received the Excellence in Construction Award from Associated Builders and Contractors Eastern Shore Chapter for Marley Manor Phase II

Marley Manor II Snow Hill Rd. and Robins Ave. Rinnier Development Company, Owner Davis Bowen & Friedel, Inc., Architect

Many thanks to our subcontractors for your quality workmanship.


Check out our new website!

email -


David and Cosie Metrinko


Business Journal

• May 2009

How to create liquidity in today’s tough times By John McClellan

Real Estate

Today’s tight capital and credit markets are forcing many corporations and the hunt for liquidsmall businesses to become ity, many entities overcreative in their search for liquidity to free-up suddenly look the value of their constrained balance sheets. corporate real estate In turning over every stone in assets. the hunt for liquidity, many entities simply overlook the value of their corporate real stepped to be lower in the early years, estate assets. or reset periodically to take advantage When an operating business, no mat- of improved credit, interest rates, or ter how large or small, finds itself in other unexpected financial and business need of low cost capital their real estate contingencies. assets should be evaluated as a source 3. Operational control: Most capital of readily accessible quality capital. providers and investors offer programs Most corporations of any size and and leases that will allow you to retain scale have investments in the land, complete operational control of the buildings and facilities necessary for the property for as long as it is required in successful operation of their business. your business. While making corporate investments 4. Low after-tax cost: The lease payinto real estate assets may seem to be a ment under a sale leaseback structure reasonable strategy at first glance, they is fully deductible over the lease term, are rarely investment or capital driven making the after-tax cost to your comdecisions, but rather these decisions pany less than with alternative forms of tend to be cost driven operating deciasset-based financing, and less than the sions. market rent you would typically pay. In retrospect, operating decisions For federal income tax purposes, a surrounding the ownership of real estate company can only depreciate buildings to operate your company usually fail and other physical improvements, but to maximize the leverage and value of not land. Most sale leaseback solutions the land and facilities beyond what is factor the value of the land into the rent. typically provided for within traditional The rent is fully deductible, effectively ownership and financing structures. enabling you to depreciate the cost of While a number of financially engithe land. neered solutions are available to maxi5. Credit Tenant Property Can Promize corporate real estate assets, the vide Similar Financial Benefits To the most commonly used structures center Issuance of Corporate Bonds: If a busiaround Sale Leaseback transactions. ness is deemed to be a credit tenant or Sale Leaseback transactions are pop- its financial equivalent, its corporate ular solutions for the following reasons: real estate assets can be effectively used 1. Improved financial statements: to secure management-free cash flow By moving corporate real estate aswith exceptional liquidity and high lesets “Off-Balance Sheet,” financing verage performing like corporate bonds solutions are engineered to eliminate while preserving the benefits that real mortgages that are normally carried as property offers. debt on your company’s balance sheet. Because of the secure character of The immediate boost in cash without credit tenant property investments, offsetting debt can improve the overall properties can be leveraged far more financial health of a business. highly than traditional real estate. Based Book income typically increases in on the lease guarantee by the tenant, the transaction’s early years, with rent non-recourse financing may be arranged payments less than the interest and dewith a 1.0 debt coverage ratio, allowing preciation under conventional financing. for financing up to 100% loan to value. With the implementation of the proper Income from an investment grade tenant financing mechanism, the book value over the length of a multi-year lease ofof company assets is effectively underfers reliable returns comparable to those stated — enhancing your company’s of corporate bonds. Return on Assets (ROA). Credit tenant leases are usually writ2. Financial flexibility: Corporate ten for terms ranging from 10 to 25 real estate transactions are often not years. Lengthy terms eliminate concern bound by formalized loan industry or about tenant turnover normally associREIT requirements, giving lenders flex- ated with real estate ownership. ibility to meet the operating needs of 6. Near-Zero Volatility: Many your business. “Sale-Leasebacks” today offer fixed Rents can be fixed for the full lease rent structures providing full inflation term without inflation adjustments or protection. any percentage rent. Rents can also be Because the key value determinant

of credit tenant property is the longterm corporate guarantee, this asset does not experience the cycles affecting other real estate asset classes. Long-term, highly leverage financing removes interest rate risk and minimizes pricing volatility. Circumstances affecting traditional real estate, such as changes to surrounding property, local politics and market swings have little impact on credit tenant property values. 7. Liquidity: The long-term corporate guarantee of rental income and expense coverage combined with the tenantbased financing enable corporate real estate assets to be traded with exceptional liquidity not typically associated with real property. Most lenders will allow businesses to convert existing fixed real estate assets into cash at fair market value at what may be a premium over book value. Funding can also be used for new construction including the cost of the land acquisition. Proper use of corporate real estate as a financing tool will eliminate the need for a business to tie up capital or credit in land or buildings. As an example, many of the free

standing, single tenant retail stores located in Baltimore and the surrounding submarkets are owned by an investor and leased back to the company. Medical office buildings leased back to the physicians that occupy it have been particularly attractive to investors lately. A wide variety of sale leaseback structures are available from capital markets providers and investors who have a practice area dedicated to corporate real estate finance. No matter the size or type of your company, when developing your capital formation strategy, make sure you evaluate your real estate assets as a viable vehicle for accomplishing your company’s goals. It’s also important to consult your legal counsel and accountant for specific tax implications. About the author John McClellan, CCIM serves as a senior advisor for Sperry Van Ness/ Miller Commercial Real Estate specializing in the sale and lease of office, industrial and retail property on the Eastern shore of Maryland and Delaware.

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Business Journal

• May 2009

Salisbury adopts new environmental policy By Lee Beauchamp Salisbury Public Works

The Salisbury Environmental Policy Task Force (EPTF) is a committee of City and Wicomico County residents and employees who were charged by Mayor Barrie P. Tilghman to discuss and make recommendations on how to move the City in a more environmentally sensitive and sustainable direction. The EPTF met and talked about the many different ways to reduce the environmental impact of the City and her residents. After six months of collaboration, the EPTF prioritized and decided upon 22 recommendations which were then presented to the Mayor and the City Council in February. Their recommendations fell into four focused areas: City Facilities, Energy Use and Operations, Water and Wastewater, Public Open Space and Sustainable Design.The EPTF has made an early positive impact by advising the City of Salisbury to join 500 other U.S. cities already aligned with the Cool Cities Initiative. In October 2008, Salisbury agreed to track and reduce their greenhouse gas emissions as outlined by the US Mayors Climate Protection Agreement. By joining these other en-

vironmentally mindful cities, Salisbury will benefit by their shared learning and successes. The EPTF also advocated additional ways for the City to lead her citizens by example. Most importantly, the EPTF suggested that the City and her employees should consider the environment when making decisions under their authority. Examples of these types of decisions include: purchasing hybrid and electric vehicles when appropriate; using ‘green’ cleaning supplies; bulk purchasing of electricity from sustainable sources (i.e. wind); applying LEED (Leadership in Energy and Environmental Design) standards to new City facilities; and adopting new codes and policies to move the City in a more environmentally friendly direction. The EPTF hopes that with the City’s direction and by her example, citizens will also absorb these green guidelines. The EPTF also recommended citizen education programs to help stimulate support of these government actions and to provide information and instruction on how to implement these directives at home as well. The EPTF presented their recommendations on a wide range of environmental issues to the Mayor and City

Council which completed the committee’s collaborative effort. The City would like to thank all who have participated so far and encourage sustained involvement as the work to decide which recommendation to proceed with continues. The full EPTF report is available online through the City’s website at www. Once at the City website, click on “City Services,” then “Environmental Task Force Report.” For more information, contact Lee Beauchamp at the City of Salisbury Public Works, 410-548-3170.


Urban Salisbury is accredited

Urban Salisbury has been designated an accredited National Main Street Program for meeting the commercial district revitalization performance standards set by the National Trust Main Street Center in Washington. Each year the National Trust and its coordinating program partners announce the list of accredited Main Street programs that have built strong revitalization organizations and demonstrated their ability to use the Main Street methodology to better their communities. The National Trust Main Street Center works in partnership with Coordination Main Street Programs throughout the nation to identify local programs that meet the National Trust’s 10 basic performance standards. These standards are the benchmarks for measuring an individual Main Street program’s ability to apply the Four Point Approach to commercial district revitalization. Evaluation criteria determines the programs that are building comprehensive, sustainable revitalization campaigns and include creation of a strategic mission, fostering publicprivate partnerships, securing an operating budget, preserving historic buildings and fostering economic progress.

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For more information, please contact the Foundation office at 410-543-7140 or and click ‘Ways to Give’

Monday, September 14, 2009 Ocean City Golf Club


Business Journal

• May 2009

Greening Your Business By Carol Kinsley You don’t have to install solar panels on the rooftop or put a windmill in the parking lot to make your business more environmentally friendly. There are small steps you can take, starting today, to make your business more sustainable, and save money in the long run. Start by turning off lights and office equipment when they’re not in use. You don’t want to turn off the computer every time you leave your desk, but if you’re going to be out of your office for more than a few minutes, turn the lights off. When you leave for the day, power down the computer. Printers, copiers and even phone chargers consume energy even when they’re not in use. For convenience, plug them into a power strip with an onoff button, and shut them down completely if they’re not needed overnight. Replace incandescent light bulbs with compact fluorescent lamps wherever appropriate. CFLs are less expensive than when first introduced, cost 75 percent less to operate and last 10 times longer than regular bulbs. Switch plate occupancy sensors will automatically turn lighting off when no one is present and turn it back on when people return. If you have older T12 fluorescent lamps, consider upgrading to

smaller diameter, more efficient T8 lamps with solid-state electronic ballasts. Have your HVAC system serviced regularly — and change the filters. An Energy Star programmable thermostat can optimize your system’s operation, adjusting the temperature to your comfort zone before you arrive. Close the outside door when the heat or A/C are on. When buying equipment, look for efficient Energy Star qualified products, whether computers, printers, copies, ceiling fans or televisions. Take the ENERGY STAR Challenge to find the best opportunities for energy savings, set goals for improvement, and achieve superior energy efficiency. Visit While at that Web site, click on “Buildings & Plants” then see what tools are available to help you save energy, especially the Small Business Guide. Tax deductions are available to owners of designers of commercial buildings that save a specified percentage of heating and cooling energy requirements between 2006 and 2013. Check out the “Tax Credits for Energy Efficiency.” Some steps are as simple as taking advantage of renewable resources such as passive solar by using sunlight for natural lighting. Plants — and even trees — are used in “green rooftops” to reduce heating

and cooling costs and also decrease runoff from rain. Trees as part of the landscaping helps also. Permeable surfaces such as packed gravel can replace concrete or asphalt in parking areas, helping protect our water resources. Reduce, reuse, recycle! Think before printing out a document. Maybe you can’t go paperless, but did you proofread it first, so you won’t have to correct an error and print it again? Can you print it on both sides of the paper? Do you collect used office paper and newspaper? Do you flatten cardboard boxes for recycling? Do you collect metal cans and glass in the office kitchen? Recycle used ink cartridges and old cell phones. Don’t send computers to the dump, send them for electronic recycling. Use recycled products when possible. Companies such as Green Earth Office Supply sell recycled-paper products to businesses. Another source is The Green Office, an online retailer of recycled, environmentally friendly, and sustainable business products, school supplies and paper. Encourage car pooling: designate prime parking spots for carpoolers. “Green,” “sustainable,” and “environmentally friendly” are more than just labels. These practices will save you money and favorably impress your customers.

Business Journal

• May 2009


Business Recycling program offered Businesses that want to “go green” can maintain a professional appearance while still being environmentally correct. Delmarva Recycling Inc. of Salisbury will make regular visits to your location to haul away recyclable materials for you, whether it’s paper, cardboard, plastic, metal even textiles. “We provide the container for office paper recycling,” said Gregory Stein, who is now president of the company

his uncle and grandfather started in 1936. When it’s full, Delmarva Recycling will pick it up and set up a schedule for future visits. Paper shredding is also offered for a separate fee, off-site, with certification that the documents have been shredded. “We are bonded for that purpose,” Stein said. Billing is based on the number of containers, billed quarterly in advance. While the company serves the entire

Peninsula from Dover south, bay to ocean, proximity to Salisbury does factor into the cost. If the office has a kitchen, plastic and aluminum cans can be picked up at the same time for no additional charge. For businesses other than offices, Delmarva Recycling takes scrap metal from manufacturing, auto parts and construction materials. “We provide rolloff service for any construction job,” Stein

said, noting that LEED certification mandates separating disposables and recycling whatever can be recycled. Recycling pays when it comes to aluminum, copper, brass and stainless steel. These can be exchanged for cash, based on weight and market value for that particular commodity at the time received. Ready to green up? Call 410-5461111.

Gain more control over your energy usage Want to save money on your electric bill? Go Green Energy LLC in Salisbury has a simple and revolutionary product called the Go Green KEC (KVAR Energy Controller) that can help you. The technology has been used by power companies and large industrial companies for a long time, to save them money on their side of the meter, explained Dave Houseal, company president. With rising energy costs, it’s now cost effective to use energy controllers on your side of the meter. “There are two types of electrical power loads,” Houseal said, “’resistive’ and ‘inductive.’ Resistive power loads are things like incandescent light bulbs, electric stoves or

baseboard heat. They use a lot of energy, but they are 100 percent efficient and use all the power they draw. A 60 watt bulb burns and uses 60 watts of power. Inductive loads are motor loads, such as refrigerators, heat pumps or washing machines. They use a lot of power, but they are very inefficient. Our energy controller will improve the inductive load power efficiency to 100 percent. It captures the unused energy from the motors and then gives the energy back to the motor before it can go out to the power company for more energy.” Houseal estimates savings of 8 to 25 percent, enabling homeowners to recoup the cost

of their investment within 12 months and businesses within 24 months. If there isn’t an average minimum savings of 8 percent of electricity consumption over the first nine months, Houseal said, Go Green will refund the cost of the unit. Installation (by a qualified electrician) is fast and easy. The maintenance-free unit provides surge protection up to 480 VAC and comes with an extensive warranty. Save money and reduce your carbon footprint. Call Go Green Energy LLC at (410) 546-1044 or visit

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Business Journal

• May 2009

Personnel File

Seagraves joins APPI

Jane Seagraves recently joined Affiliated Power Purchasers International LLC (APPI) as business development director. She has 20 years of marketing and business to business sales experience. Seagraves’ primary responsibilities include developing and implementing marketing and sales initiatives with national, state and local trade associations and other affinity groups that have endorsed APPI as their exclusive energy and utility consulting firm. She will also support APPI’s energy and utility consultants. Seagraves earned a bachelor of science in business administration and economics from High Point University in High Point, N.C., and a master’s of business administration from Salisbury University. A Salisbury native, she is active in the local community with many nonprofit entities including service on the Ambassador Committee of the Salisbury Chamber of Commerce. She can be reached at jseagraves@appienergy. com.

McCabe earns CVA designation PKS & Company, P.A., Certified Public Accountants and Advisors to

Business announce that E. Lee McCabe, CPA has completed the certification process with The National Association of Certified Valuation Analysts (NACVA) to earn his Certified Valuation Analyst (CVA) designation. This designation is an indication that McCabe has met the NACVA’s rigorous standards of professionalism, expertise, objectivity and McCabe integrity in the fields of Business Valuation, Litigation Support and related consulting disciplines. McCabe, an Eastern Shore native, is a graduate of Carson-Newman College in Jefferson City, Tenn. with a bachelor’s degree in accounting. He specializes in compilations, reviews and audits of small businesses, common interest real estate associations, and government and not-for-profit entities. He lives in Willards with his wife, Kami.

Hanna named to team

Henry Hanna III, CCIM, SIOR, a senior advisor for Sperry Van Ness-Miller Commercial Real estate in Salisbury, has been named to the Sperry Van Ness Asset Recovery Team (SVNART).The team consists of approximately 100

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Business Journal Sperry Van Ness advisors throughout the United States. SVNART specializes in troubled assets providing services to government agencies, lenders, special servicers and financial institutions. Hanna specializes in the sale of retail and triple-net properties on the Eastern Shore of Maryland and Delaware. He holds the prestigious Certified Commercial Investment Member (CCIM) designation, is a member of the International Council of Shopping Centers (ICSC), and he has been awarded the prestigious Partners Circle award, which is the company’s highest sales award. Hanna also holds the SIOR designation with the society of Industrial and Office Realtors. He has over 35 years of broker experience and has secured 1,000 career transactions resulting in a career brokerage volume of over 100 million.

Holland, Daly graduate

Gregg Holland of Coldwell Banker, and Terry Daly of Delmarva Auctions & Asset Management were among 17 graduates from the Maryland Asso-

ciation of Realtors (MAR) Leadership Academy who were honored at ceremonies held recently in Annapolis. The MAR Leadership Academy offers an intensive curriculum designed around the development of leadership Regan skills, communications, strategic planning, legislative and government affairs and community involvement.

Regan joins ISG International

Patrick Regan has joined the Commercial Insurance Department at ISG International as a senior business analyst. He graduated from the State University of New York at Geneseo, with a bachelor of science degree in management. He was most recently employed as a Property and Casualty sales representative for Liberty Mutual Insurance. Patrick resides in southern Delaware with his wife and two children.

• May 2009

Rommel’s ACE hires manager

Rommel’s ACE announces the appointment of Fred Hamil of Pittsville as merchandising manager for Rommel’s ACE division and Teresa Passen of Parsonsburg as the new general manager at Rommel’s ACE in Ocean City. Hamil was the general manager at the Ocean City store for two years and was previously general manager at the Millsboro store and an assistant manager at the Ocean City store. He has been with Rommel’s ACE since 2003. Teresa Passen is the new general manager of the Ocean City store. She was previously general manager of Circuit City in Salisbury. For more information, visit

Smith joins Schneider Residential Eric Davis and Joe Schneider of JS Commercial Real Estate Company LLC announce the conception of their new residential brokerage division, Schneider Residential. The division will be led by Wayne E. Smith. Smith earned a degree in urban planning from the College of Charleston in South Carolina.

PAGE 21 He is licensed to sell real estate in South Carolina and Maryland. Smith gained firsthand experience while working with Century 21 and later the Roop Group Real Estate Team in Salisbury over the last three years. He has worked as an exclusive buyer’s agent and Smith has since become a full service multi-million dollar agent assisting buyers and sellers through transactions. Call Smith at 410-251-8406.

Team ERA names sales leaders

John Robinson was named ERA’s top agent for 2008 at a special awards luncheon. A 36-year veteran, John had the best year of his career in 2008 with 11.5 million in residential sales. Jim Mutschler finished second. Jim, who joined ERA Martin in 1996, has been among the top three agents in the company for the past decade. Jeani Warren finished in third. Donna Hoy finished in fourth in settled business. The top selling team at ERA was Candice Hiatt and Melissa Gibb.

Business After Hours Salisbury School

On Wednesday, March 18, The Salisbury School opened their doors to Chamber members for a Business After Hours. The Salisbury School is a 60-acre campus located on Maryland’s lower Eastern Shore. During the event, tours were conducted through the Lower, Middle and Upper campuses. A wonderful buffet was set up for those in attendance in the Upper campus library where the main announcements were given. Thank you to the Salisbury School for an enjoyable evening!

Brian Delawder of Southern Builders, Inc. on the Salisbury School Board of Trustees; Tom Johnson, Board of Trustees; James Landi, headmaster of The Salisbury School; Kim Cuesta, Board of Trustees; and Scott Robertson, president of the Salisbury Area Chamber of Commerce. The Salisbury School’s buildings reflect their school’s mission, teaching philosophy and core values. The exterior architecture is distinctive and unique, reflective of their proud 39-year tradition.

Hope Morgan of MetLife Home Loans, Ronald Morgan of Becker Morgan Group, Inc., and Dwight Miller of Gillis Gilkerson, Inc. provided a wonderful buffet.

Tony Nichols of BBSI enjoyed the event with prospective members, Mary and Gary Pope of United Insurance.


Business Journal

• May 2009


Radiothon raises over $35,000 Despite the current economic conditions, Delmarva residents picked up their phones to support area healthcare recently, pledging more than $35,000 to Atlantic General Hospital and Peninsula Regional Medical Center during the 1-2-3-4 $50,000 Radiothon. “We’re very pleased with such an overwhelming response from the community,” said Todd Hershey, chairman of the Atlantic General Hospital Foundation. “We want to extend a heart-felt thanks to Leighton Moore and all the folks at Irie Radio who made this happen. And, of course, to everyone who called in.” The 1-2-3-4 $50,000 Radiothon was the brainchild of Moore, resort entrepreneur and owner of Seacrets nightclub and WOCM Irie Radio, Ocean 98.1 FM in Ocean City. A major proponent of both hospitals, he serves as chairman of the Peninsula Regional Medical Center Foundation Board of Directors.

The event was coordinated and broadcasted from the studios of Irie Radio, located within Seacrets. The funds have been split evenly between Atlantic General Hospital and PRMC. Peninsula Regional will apply their share toward the Foundation’s $15 million dollar capital campaign in support of the Medical Center’s $100 million construction and renovation project. Donations to the Atlantic General Hospital Foundation will be used to fund long-term investments in community health care by expanding facilities, programs and services such as the recent $1.4 million expansion of the Atlantic Health Center. To learn more about the Peninsula Regional Medical Center Foundation, call 410-543-7140 or visit and select “Ways To Give.” For the Atlantic General Hospital Foundation, call 410-641-9644 or visit www. and select “Give to AGH.”

April 3rd’s 1-2-3-4 $50,000 Radiothon, supporting Atlantic General Hospital and Peninsula Regional Medical Center, raised more than $35,000 for the local healthcare institutions. Pictured are Atlantic General CEO Michael Franklin and Peninsula Regional President Peggy Naleppa at Seacrets during the event.

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Business Journal

• May 2009

Health briefs Health Centers receive funding

U.S. Senators Barbara A. Mikulski and Benjamin L. Cardin (both D-Md.), have announced that the American Recovery and Reinvestment Act (ARRA) includes funding for community health centers across Maryland through the Department of Health and Human Services (DHHS). “Community health centers provide an important safety net for the people who need it most,” Senator Mikulski said. “This is especially important in these economically-trying times when there is more need and fewer resources. These American Recovery Act funds will help community health centers keep their doors open to make sure Maryland families have access to reliable health care in their communities.” The DHHS supports community health centers through the Health Resources and Services Administration. Health centers provide comprehensive primary health care to medically underserved communities. They are governed by a community board and are required to meet performance and accountability requirements. On the Eastern Shore, ARRA includes funding for: • $418,824 for Choptank Community Health System, Inc. in Denton • $342,492 for Three Lower Counties Community Services, Inc. in Princess Anne For more information, visit http://

Curves offers electronic trainer

Curves of Salisbury - West is pleased to offer the new CurvesSmart personal coaching system, a new technology pioneered by Curves and powered by MyTrak that offers a custom, individually tailored workout, moment to moment feedback and progress reports to keep members motivated while they work out.


After a member’s personalized profile is determined by a Curves staff member, the member is issued a CurvesSmart ID Tag. The tag is electronically recognized by the monitor at each station, automatically retrieving the member’s profile to determine the specifications for her workout. “The CurvesSmart technology offers women the benefits of a highly skilled personal trainer without the expense,” said Lori Blake, owner of Curves of Salisbury - West, located at 1504 G Pemberton Drive. Curves of Salisbury - West is taking new appointments to get started on the CurvesSmart workout on a first come, first served basis. For more information, call 410-677-0101.

SU Relay for Life

For the past five years, Salisbury University’s Relay For Life has been one of the top collegiate relays in the nation. This year’s event was held the first weekend in May and featured the theme “Cure” toons. Approximately 100 teams of SU students, faculty, staff, families and community groups participated. Proceeds benefit cancer research, education, patient services and advocacy programs. With more than $95,000 in donations last year, SU’s Relay for Life was named No. 3 in the nation among institutions its size for per capita fundraising. Since 2002, SU has raised more than $550,000 for the society. SU has twice been named one of only 20 “Leaders of Hope” by Colleges Against Cancer, an American Cancer Society program that unites college students, faculty and staff from more than 300 campuses. SU was also named CAC’s “Rookie of the Year” Relay chapter, and SU’s CAC chapter won a 2008 Outstanding Advocacy Award, one of only six honors given nationwide.

WHALEY HONORED - Gail Whaley, pictured with Todd Hershey, Foundation chair and owner of Delmarby, the local Arby’s Roast Beef franchisee, was recently honored for her five years of service on the Atlantic General Hospital Foundation board at the March Foundation general membership meeting. Gail has served on the Foundation for over 10 years. She served as the special events chair from 2002 to 2008, helping shape the Foundation’s special events into some of the most successful and profitable fundraising endeavors for AGH. She will continue to serve as a member of the Foundation and special events committee.

RIBBON CUTTING - The Ocean Pines Area Chamber of Commerce members celebrated with the Odachowski brothers and their staff with an open house and multi-chamber ribbon cutting at Royal Plus Flooring Center located at 9939 Jerry Mack Road in West Ocean City.

Business Journal • May 2009




Business Journal Directory Phone




ADVERTISING Comcast Spotlight Stephanie Willey 410-341-8950 410-341-8980 stephanie_willey@ 1201 Pemberton Dr., Suite 2B, Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ ARCHITECTS & ENGINEERS Andrew W. Booth & Associates, Inc. Matthew Smith 410-742-7299 410-742-0273 1942 Northwood Dr., Salisbury, MD 21801 Debbie Bailey _________________________________________________________________________________________________________________________________________________________________________ Davis, Bowen & Friedel Michael Wigley 410-543-9091 410-543-4172 One Plaza East, Suite 200, Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ George, Miles & Buhr, LLC Michelle Everngam 800-789-4462 410-548-5790 206 W. Main St., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ AUTO DEALER Pohanka Automotive Group of Salisbury Chris Hagel 410-749-2301 410-742-5168 2012 North Salisbury Blvd., Salisbury, MD 21801 ext: 8030 _________________________________________________________________________________________________________________________________________________________________________

AUTO PARTS Eden Used Auto Parts George Glovier 410-749-5116 410-742-3930 14661 Merser Rd., PO Box 43, Eden, MD _________________________________________________________________________________________________________________________________________________________________________ BUILDERS Bud Esham Homes Bud Esham 410-742-1364 410-742-0164 5966 Williamsburg Pkwy., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________

Ruark Builders Connie Ruark, Sleepy Hollow 410-677-3835 410-860-4875 4920 Snow Hill Rd., Salisbury, MD 21804 Barbi e Hannemann, VP 410-749-0193 410-860-4875 _________________________________________________________________________________________________________________________________________________________________________ COMMERCIAL BROKERAGE Rinnier Commercial Blair Rinnier, CCIM 410-742-8151 410-742-8153 218 East Main St., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ DINING/CATERING Market Street Inn Stephanie Bellacicco 410-742-4145 410-742-3687 sbellacicco@marketstreetinn 130 W. Market St., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ Black Diamond Catering Peter Roskovich 410-749-6961 410-749-2896 301 North Fruitland Blvd., Fruitland, MD 21826 _________________________________________________________________________________________________________________________________________________________________________ EMPLOYMENT AGENCY Manpower, Inc. Darlene Smyser 410-742-8861 410-742-9384 24 Tilghman Rd., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ FINANCIAL Shore Bank Rick Mathews 410-548-7125 410-548-1688 100 W. Main St., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ The Bank of Delmarva Robert D. Core 410-548-5670 410-742-9588 2245 Northwood Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ Merrill Lynch Robert G. “Bob” Anderson 410-860-2781 410-860-5066 224 E. Main St., Suite 1, Salisbury, MD 21801 800-416-8017 ________________________________________________________________________________________________________________________________________________________________________ GLASS

Mr. Go-Glass Dreux Campbell 410-742-1151 410-749-0265 805 Snow Hill Rd., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________ INSURANCE

Allstate Insurance Fred Pastore 410-860-0866 410-860-0869 111 Naylor St., Salisbury, MD 21804-4333 ________________________________________________________________________________________________________________________________________________________________________ Atlantic/Smith, Cropper & Deeley Laura Deeley Bren 410-835-2000 410-835-2036 7171 Bent Pine Rd., Willards, MD 21874 ________________________________________________________________________________________________________________________________________________________________________ Avery Hall Insurance Group Kevin Hayes 410-742-5111 410-742-5182 308 E. Main St., Salisbury, MD 21801 Bus., Life, Personal, Health ________________________________________________________________________________________________________________________________________________________________________ Gamee Elliott Gamee Elliott 410-749-4725 410-749-4175 923 Eastern Shore Dr., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________

ISG International Brad Sutliffe 410-901-0736 410-910-0836 204 Cedar St., Cambridge, MD 21613 ________________________________________________________________________________________________________________________________________________________________________

Business BusinessJournal Journal •• May May 2009 2009


Soft Shell Metric Century set for May 23 Waterfront views, scenic woodlands and some of Maryland’s most historic locales set the backdrop for the Salisbury Jaycees’ second annual Soft Shell Metric Century bike ride in lower Somerset County on Saturday, May 23. Following a show-and-go start at Crisfield High School from 8 to 9 a.m., riders have the option of following a 62.1-mile (100-kilometer) or 23.1-mile route. Both routes pass some of Crisfield’s most picturesque and historic areas, including the rustic crab shanties

of Jenkins Creek. Riders will also have the chance to see a working watermen’s community in action at the Small Boat Harbor. The Crisfield Heritage Foundation offers free tours of the workshop of famed decoy carvers Lem and Steve Ward for all participants. Cyclists on the 23.1-mile route will tour the wooded areas of Crisfield and Marion Station, while those braving the full 62.1-mile route will have the opportunity to see some of the county’s most

historic churches as they travel north to Rehoboth before returning to Crisfield, the southernmost point in Maryland. SAG service will be provided. The Jaycees provide rest stops along the way, featuring water, snacks and opportunities for riders to relax and socialize. After the ride, cyclists may visit local attractions or enjoy traditional Chesapeake Bay seafood dishes at one of several Crisfield restaurants. Those spending the night will have the opportunity

to mingle with locals at the annual Soft Shell Spring Fair and Watermen’s Hall of Fame induction at the Crisfield City Dock on Sunday, May 24. All participants receive t-shirts and assigned numbers. Registration is $25 before Saturday, May 16, $35 after. Day-of registration is accepted. The event is rain or shine. Registration forms are available online at For more information, call 410-3414123 or e-mail

According to the United States Junior Chamber of Commerce, Salisbury is home to the nation’s top Jayceessponsored youth activity - Treat Street. During its 2008 year-end convention held recently in Crystal Lake, Fla., the U.S. Junior Chamber named the Salisbury Jaycees’ inaugural Treat Street safe Halloween trick-or-treating project, chaired by 2008 communications director Mary Kingston, its No. 1

youth activity of the year. More than 200 children participated in the event which featured games and trick-or-treating tables on Salisbury’s Downtown Plaza on Halloween night. The U.S. Junior Chamber also named the Salisbury Jaycees’ Murder Mystery Night, chaired by 2008 chapter president Jason Rhodes, as one of the nation’s top three individual development projects of the year.

Salisbury’s 2008 projects also ranked well at the state and divisional levels. The chapter’s barbecued chicken concession at the 59th annual Delmarva Chicken Festival, chaired by Melanie Brewton-Smith, and 62nd annual Salisbury Christmas Parade, chaired by Rhodes and 2009 chapter individual development vice president Angela Kuzma, ranked among the top

two projects of the year in their respective divisions. The Maryland Jaycees named the Christmas parade its overall Project of the Year for 2008. Serving Maryland’s Lower Eastern Shore since 1940, the Salisbury Jaycees is a community service, social and leadership training organization for men and women ages 21-40. For more information call 410-749-0144, ext. 109.

Salisbury Jaycees honored by U. S. Junior Chamber of Commerce



Business Journal Directory





INSURANCE Landmark Insurance & Financial Group Charles McClenahan 410-651-2110 410-651-9288 charlie@ 30386 Mt. Vernon Rd., Princess Anne, MD 21853 888-651-2111 ________________________________________________________________________________________________________________________________________________________________________ Paulette Arnsparger, Allstate Insurance Co. Paulette Arnsparger 410-677-4774 410-677-4776 501-C East Naylor Mill Rd., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________

PRINTING Delmarva Printing, Inc. Don Hitchens 410-912-0980 410-912-0984 2110 Windsor Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________

REAL ESTATE Coldwell Banker Melissa Lear 410-543-4545 410-543-9609 1131 S. Salisbury Blvd. Suite B, Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________

RECYCLING Delmarva Recycling Greg Stein 410-546-1111 410-543-9005 909 Boundary St., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________

SOLAR ENERGY Eastern Shore Solar Ray Emmons 410-543-1924 6288 Westbury Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ STORAGE Cubes To Go Betsy Bradford 410-742-2100 410-742-3875 102 Broadway St., PO Box 238, Fruitland, MD 21826 ________________________________________________________________________________________________________________________________________________________________________ WATER Sharp Water Lisa Rice 410-742-3333 410-543-2222 129 Columbia Road, Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________

To advertise your business in the Business Journal Directory Call 410-740-0144 or Email:


Business Journal

• May 2009


Salisbury University president receives award The Newton Marasco Foundation, a Virginia-based non-profit environmental organization, has honored Salisbury University President Janet DudleyEshbach with its first annual award for Leading Environmental Stewardship (LES). “The idea is that ‘les’ is more,” said Amy Marasco-Newton, foundation president. “We wanted to honor individuals or organizations that are doing practical yet innovative sustainable actions in their local communities.” Committed to sustainability on campus, Dudley-Eshbach was lauded for

such initiatives as adding more bike racks on campus, pursuing the U.S. Green Building Council’s LEED certification for all new construction and signing the American College and University Presidents Climate Commitment. Under her leadership, SU also became the first university in the United States to implement the environmentally-friendly “PrecisionWash” laundry system in residence halls campus wide. Since 2005, NMF has partnered with SU to host the Green Earth Book Awards — the nation’s first and only prize to laud “green-minded” authors

The University of Maryland Eastern Shore Department of Engineering and Aviation Science in the School of Business and Technology has been represented at events in places as diverse as the nation’s capital, Estonia and Ocean City during the academic year. At the 88th annual meeting in January of the Transportation Research Board in Washington, D.C., department lecturer, J. Bryan Burrows-McElwain, presented to a panel on the relationship between crew morale and flight safety. Jeffrey Philippe, a UMES Dwight D. Eisenhower Fellow, was selected to make a poster presentation on the use of unmanned aerial vehicles in disaster response efforts. The Maryland-Estonia State Partnership Program was strengthened last November when Burrows-McElwain

visited the Estonia campus and airport facilities of Tartu Aviation Academy. He then traveled to a conference in Puhajarve to make a presentation on environmental stewardship, as well as taking part in sessions on legislation, air traffic control, commercial/military operations, and research and development relating to aviation in Estonia. In February, UMES’ Jim McIntosh, Chris Hartman and Burrows-McElwain gave presentations on career opportunities and the uses of flight and air traffic simulation in aviation training to the Ocean City Aviation Association (OCAA). The Aviation Sciences Program at UMES was established to train pilots, technical and management graduates to fulfill the needs of government and industrial aviation.

and illustrators for encouraging sustainability among children and young adults. It’s just one of NMF’s many innovative programs that promote awareness and responsibility for the environ-

ment. The LES Award will be given annually to a Delmarva leader during the Green Earth Book Awards at SU. For more information, visit www.

Busy year for aviation science

Dr. Tossey honored with award Recognized for more than 30 years of leadership as a social work educator and professional, Dr. Marvin Tossey of Salisbury University’s Social Work Department has been honored with a 2009 Lifetime Achievement Award from the National Association of Social Workers-Maryland Chapter (NASW-MD). According to the association, Tossey and six other honorees receiving awards “represent the best of the founding principles of the social work profession through their quiet determination to make a difference in the lives of others.” Tossey joined SU’s Social Work Department in 1978, and has been chair for the past 24 years. During his tenure, he has spearheaded an array of programs. Most recently, he conceptualized and initiated SU’s satellite distance learning programs for undergraduates and graduates, which has enabled countless students to pursue social work degrees. Blending technology with traditional lectures, the satellite programs reach

outlying areas of the state with sites in Wye Mills, Elkton and Hagerstown. Tossey also is credited with establishing the SU’s Master of Social Work program. In addition, Tossey led the development of a unique dual-degree program with University of Maryland Eastern Shore Dr. Tossey (UMES). Some 10 years ago, Tossey established the Center for Family and Community Life and the Lower Shore Child Care Resource Center, which provide a wide range of services to social work and government agencies throughout Maryland and Delaware. Despite his work with these programs, Tossey still teaches classes each semester. Tossey earned his bachelor’s degree in political science and his M.S.W. from Ohio State University and his Ph.D. from University of Maryland’s School of Social Work.

From left are Amy Marasco-Newton, NMF president; Peter Trick, NMF Executive Board member; Pamela Todd, author of Blind Faith Hotel; SU President Janet Dudley-Eshbach; Peter Gould, author of Write Naked; Jeca Taudte, co-author of MySpace/Our Planet; Bill Harley, author of Night of the Spadefoot Toads; and Jenny Schmidt, NMF national director of programs.

Business Journal

• May 2009


County Operating Budget will include furloughs Wicomico County Executive Richard M. Pollitt Jr. has submitted his Fiscal Year (FY) 2010 Operating Budget to the Wicomico County Council. The budget is $122,538,919, which is about $7 million under the current FY 2009 operating budget of $129,535,922. New operating revenue for FY 2010 is estimated to be $117,970,218, and the difference between anticipated revenue and expenditures was achieved by a series of spending cuts combined with the use of a portion of the county’s “carryforward” and “rainy day” funds and from a loan from the Solid Waste Enterprise Fund. “Crafting this year’s budget has been a challenge.” said Pollitt. “The County has been hit with almost $6 million in cuts from the State of Maryland. In addition, revenue from personal property taxes has dropped sharply, as has interest income on investments,” continued the county’s first executive, “but we have not forgotten our priorities to fund education and public health and safety.” At the beginning of the budget process, Pollitt ordered all department heads to reduce their operating budgets by 10%. In addition to the economies realized by that, the executive ordered further cuts and saving measures. These include:

Maintenance of Effort Waiver – Board of Education - $2,000,000 50% Funding of Pension Plan $1,337,582 Zero Funding of postretirement benefits (OPEB) - $1,431,684 Anticipated Savings from Refinancing of Bonds - $700,000 Reduction of Wor-Wic Appropriation - $561,056 4 Employee Furlough Days (no county layoffs in over 30 years) - $333,402 The funding that “fills the gap” between estimated operating revenue and budgeted operating revenue includes: Use of “Rainy Day” Fund - $472,700 Use of “Carryforward” Fund $4,096,001 Loan from Solid Waste Enterprise Fund - $1,000,000 Pollitt explained that the funds taken from the Solid Waste Enterprise Fund are considered to be a loan that will be paid back, with interest. The money in the fund is to be used to build new cells at Newland Park as needed. According to Public Works officials, a new cell is not planned for the near future. “Of all of our county departments, roads has been hit the hardest,” said Pollitt. “Almost all roads revenue comes from the Maryland State Highway Users Fund. Last year, roads received

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about $6 million. This year, it will be about $3.4 million,” explained Pollitt. “We expect that this drastic cut will dramatically curtail our paving operations. One redeeming factor in the situation is that we expect to receive $1.8 million in Federal Stimulus Funds and, while this has many restrictions, we anticipate making good use of the money to keep our roads safe.” “As I have mentioned, Wicomico County enjoys an excellent rating with the three major Wall Street bond ratings

firms. The steps we are taking in this year’s budget follow our consistently conservative financial management practices. I have sought professional advice and have been assured that the use of a portion of our rainy day fund and a limited use of our fund balance are responsible and acceptable actions that are well within the expectations of Wall Street. This is of the utmost importance in ensuring a good bond rating when we sell our bonds in the fall,” concluded Pollitt.

Habitat for Humanity of Wicomico County asks area churches and places of worship in Wicomico County to engage their congregation in a special service of prayer for Habitat, its volunteers and families. Prayer is requested as the Habitat Interfaith Relations Committee works to raise community awareness and reach its goal of raising $55,000 for Interfaith Build 2010. Places of worship may show their support and encourage others by posting “Pray for HFH” (HFH - Habitat for Humanity) on the signs in front of their buildings. Materials are available to congregations to use in their special

services. “Breaking the Cycle,” a DVD expressing Habitat’s mission, may be used to honor our families and volunteers. Literature and Habitat representatives are also available to speak to interested groups. Habitat also invites area churches and residents to a prayer vigil on Saturday, May 16 at 10 a.m. on the corner of Baker Street and Martin Street in Salisbury at a future build site. Parking is available at various lots surrounding Baker Street. For more information on how you can be a part of this special Week of Community Prayer and Action, contact Habitat for Humanity at 410-546-1551.

Habitat asks for special prayer


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Business Journal

Community leaders workshop More than 150 citizens will wrestle with three key issues during the first annual Community Leaders Workshop, “Making Mid-Delmarva a Better Place to Live and Work,” on Friday, May 22, at The Fountains in Salisbury. Business people are especially encouraged to attend and have a voice in the discussion and search for solutions to the issues. The session of neighborhood, business, civic and government representatives will consider the issues of “Insuring Our Personal Safety,” “Meeting the Growth Challenge,” and “Challenging Our Students to More Science and Math Education” for a better job future. The workshop runs from 8 a.m. to 2:30 p.m., includes lunch, and is open to anyone from throughout the area. The cost of the session is $25 and the public may register online at www. For each issue, there will be two speakers who will present key information for a few minutes before roundtable discussions by the participants, followed by one or more electronic votes to provide instant feedback on conclusions of the discussion. The sessions will be moderated by Eliot Pfanstiehl, moderator for Leadership Maryland and several other organizations and companies from New York to Florida.

James Garrity from Salisbury University’s BEACON and Maryland’s Dept. of Business and Economic Development will open the workshop with a short presentation on “Who We Are,” a demographic summary of MidDelmarva. Closing the day’s workshop will be a summary session which will include, among others, Wicomico County Exec. Rick Pollitt and John Allen, vice president of Delmarva Power. The workshop will open with a welcome from James R. Thomas Jr., chair of the Greater Salisbury Committee and president of George Miles and Buhr in Salisbury. In addition to the issue sessions, attendees will participate in active networking which will allow them to form relationships with others who have similar interests. The workshop is presented by the Greater Salisbury Committee, a 42-year-old civic improvement organization which covers the Mid-Delmarva area from Sussex County in Delaware to Accomack County in Virginia and includes Wicomico, Worcester and Somerset counties in Maryland. For more information, visit


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Riverwalk CLEAN UP - Perdue Farms, Inc. participated in a special event on April 11 to clear litter from local waterways. One group of Perdue employees assisted the Chamber of Commerce and the City of Salisbury by cleaning up along Riverwalk Park and the river prong where the Salisbury Festival was held. Girl Scout Troop #724 from Berlin, which consists of 4th and 5th graders at Berlin Intermediate School, joined in to help the Perdue employees. Troop #724 is pictured above.

DELAWARE TOUR - Sperry Van Ness – Miller Commercial Real Estate recently gathered advisors and staff from all three offices in Salisbury, Delmar, Del., and Rehoboth Beach, Del., to tour several real estate listings in the Delaware Region. The “Jolly Trolley” was the means of transportation and carried all 20 attendants for the tour. The new Rehoboth Beach office opened in March. For more information, visit www. To learn more about the Rehoboth office, visit

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Business Journal

• May 2009

Business After Hours


Marley Manor

Marley Manor Luxury Apartment Homes located on Snow Hill Road and Robins Avenue in Salisbury was the site for the Salisbury Area Chamber of Commerce Business After Hours on Wednesday, April 8. More than 75 people attended this networking event in the posh clubhouse of Marley Manor, just one of the many amenities available to those living in the luxury apartment homes. Thank you to Marley Manor for opening your doors for this event and allowing Chamber members to tour the spacious two and three bedroom apartments. For more information about Marley Manor, call 410-548-2255.

William Rinnier welcomed Chamber members to the Business After Hours at Marley Manor’s Clubhouse.

Patricia Byers of First Call Office and new chamber member, with Barb Stack of Gillis Gilkerson.

Cornelius E. Minor and Todd Colston of Send Out Cards, both perspective members, met Vance Morris of Wicomico Chem-Dry at this networking event.

Dan Harris, Habitat America, LLC; and Heather Herbert and Courtney Deason of Runaway Bay Apartments with Ashley White of Victoria Park at Sassafras Meadows.

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Business Journal

• May 2009

Business After Hours

Ashlyn Nolte, Kuhn’s Jewelers, and Daniel Brenner, Vantage Point Solutions Group. Photos by Rob Korb Photography The YP Committee had a great turnout for the event.

Black Diamond Lodge

On Feb. 19, the Young Professionals (YP) Committee started the new year with a “Back to the Business” After Work Networking event at Black Diamond Lodge. The YPs used the event to also get feedback from their members regarding upcoming outreach opportunities. Entertainment was provided by DJ Treehorn with food and beverage by Black Diamond Lodge. The YPs would like to thank all the members who came out and networked. The event was a great success and helped start the new year right. For information about the committee, contact Tiffanie at 410-749-0144.

Erica Mendoza, Paul Badey, Sonic, and Brad Pole, Primal Industries.

Adam Roop, The Roop Group, and Kate Roth, Wicomico County Tourism.

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Business Journal

• May 2009


Workshops are government money well spent By Jackie Gast

Human Resources

I believe less is more when it comes to government. I admit, I have criticized government spending on more than one occasion, From the No Spare Marylander to say the least. The sustaininitiative, at least 60 individuability of the stimulus or recovery package concerns me als will have learned how to quite a bit and it is my hope job search independently. that those who are responsible for dispersing funds will ask for some kind of susdisabilities that, in my opinion, is an tainability factor from those receiving excellent use of funds (these were not funds. Having said that, the Maryland stimulus funds). Department of Disabilities (MDOD) The workshops, called No Spare and the Maryland Department of Labor Marylander, were held in One-Stop CaLicensing and Regulation (DLLR), both reer Centers in Hagerstown, Baltimore government entities, recently funded in- City, Salisbury and Prince Georges tensive workshops for job seekers with County serving an average of about 20

American Red Cross Ribbon Cutting

The Ocean Pines Area Chamber of Commerce recently welcomed the American Red Cross to their membership with a ribbon cutting ceremony. As part of a new program to recognize the Chamber Board of Directors volunteer efforts, the American Red Cross was the first non-profit organization to receive a one year free membership in honor of Cynthia Walston who serves on the Board of both organizations. In honor of their 30th anniversary, the Chamber began a special $30 membership for volunteer, non-profit 501c3 organizations as a community outreach program to help spread the word about the generosity and spirit of volunteerism in Worcester County. From left are Carol Kastner, Delmarva Chorus; Al Kastner, Kiwanis Club of OP-OC; Ron Fisher, PRMC; Zoila Lauth, America’s Vacation Center; Terry Testani, Shamrock Realty; Celeste Dove, Farmers Bank of Willards; Cynthia Walston, Countrywide Home Loans; Chip Bertino, The Courier; John Club, American Red Cross; Sherri Lassahn, The Courier; Terri Mahoney, Comcast Spotlight; and Andrea Hastings-Mitchell, Hastings Financial Services.

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job seekers per location. This full day training was a collaborative effort between the staff of The One-Stop Job Market, The Eastern Shore Business Leadership Network, state-wide Disability Program Navigators, The Salisbury Area Chamber of Commerce, The Division of Rehabilitation Services, The Lower Shore Workforce Alliance, Telamon, other agencies within the One-Stop, and business professionals from K & L Microwave, PRMC, TTY Mobility Products, Mimir Marketing and Quality Staffing Services. The morning session included personal discussions with each of the participants and a presentation by MDOD Secretary Raggio. Jade Gingerich, director of employment policy for MDOD, led an interactive discussion about the history of disability law. A panel consisting of local agency leaders talked about services for people with disabilities within their agencies and provided a brief summary of economic employment outlook. Following the panel, three employed individuals with disabilities shared their success stories with the group. The afternoon was broken into breakout sessions on resume preparation, job application education and tips, mock interviews and a session

on benefits for people with disabilities who want to work while still maintaining health benefits. Sustainability is one of the best indicators of whether or not government funds are well spent. From the No Spare Marylander initiative, at least 60 individuals will have learned how to job search independently. By securing employment, many who may be currently collecting government benefits may be able to reduce and eventually eliminate their dependence on government assistance. Interestingly, out of the 22 people with disabilities enrolled in the Salisbury workshop, one third was not receiving any government assistance at all. This state-wide program not only trained approximately 80 individuals about job seeking skills, it also created a venue for agencies and businesses in their locales to learn more about how they can work together for the common purpose of workforce development. There has been a state-wide effort to blend funding between the government agencies from which there have been successes. The more programs that encourage collaboration, the more opportunities will arise for efficient, effective and sustainable use of our tax dollars.

Discover DELMARVA Salisbury-Wicomico Magazine 2009

Don’t miss your chance to be featured in the 2009 Discover Delmarva magazine and directory. Advertising discounts are offered to Salisbury Chamber of Commerce members.

Contact Emily Rantz for advertising information at 410-749-0144 or email


Business Journal

• May 2009

2009 HUEY Awards Honor Healthy Life-Changers By Amy Waters Director of Leadership Giving and Stewardship Salisbury University

WSW RECEIVES DONATION - Women Supporting Women (WSW) thanks Break Time Sports Grill & Pub and Pat Scott/owner for all of their fundraising efforts through their first annual “A Night of Blues & Jazz,” a benefit in memory of Kim Scott held on Feb. 26. They raised over $9,000 for WSW. A special thank you to “The Hill Street Blues Band” for donating their time and music that night. WSW provides free services to those who are affected by breast cancer on the Eastern Shore.

Jaycees elect officers for 2009 The Salisbury Jaycees Foundation recently elected officers for the 2009 year at their annual spring meeting. Melanie Brewton Smith was elected president for a second term. She is a past president and a life member of the Salisbury Jaycees. She is also a life member of the Maryland Jaycees, United States Jaycees and Junior Chamber International. She currently serves the United States Jaycees as Relay for Life program manager. Melanie is employed by Science Applications International Corporation (SAIC) in Lexington Park, Md. Jessica Bozman was elected vice president for a second term. She is a life member of the Salisbury Jaycees and Maryland Jaycees. She has previously served on the Salisbury Jaycees executive board as treasurer and management vice president. Bozman is human resources manager for Becker Morgan Group in Salisbury.

Terri Hoyle Shuey was elected secretary for a fourth term. She also currently serves as treasurer for the Salisbury Jaycees, Inc. She has served on the Salisbury Jaycees executive board as individual development vice president, chapter president in 2002 and chairman of the board. She is office manager for Prudential Gallo, Realtors in Rehoboth Beach. Duane Larmore was elected treasurer. He is a nine year member of the Salisbury Jaycees. He has served on the Salisbury Jaycee’s executive board as management vice president, treasurer and president of the Chapter in 2005 and chairman of the Board. Duane is the operations manager for Shore Appliance Connection in Salisbury. Other members of the Salisbury Jaycees Foundation are Jay Pepper, Pete Hughes, Jack Trader, David Smith and James Carpenter.

Three named to Top 100 list The Daily Record newspaper created Maryland’s Top 100 Women 13 years ago to draw attention to the contributions being made by women throughout our state. This annual program is designed to recognize women who not only have achieved personal success but also have contributed to bettering the communities in which they work and live. Additionally, they play an active role in mentoring the younger generation of business people. Nominations for this award are solicited from economic development agencies, chambers of commerce, women’s organizations and the business community at large each year from May through January. The 2009 winners include Sandra S. Fitzgerald-Angello of Pohanka Auto-

motive Group of Salisbury, Carolyn S. Johnston of the Wicomico County Public School System, and Hala G. McIver of Hala Mark LLC. The three women are all members of the Salisbury Area Chamber of Commerce. Sandi Fitzgerald-Angello is first vice president. The ladies will be honored at a reception and award ceremony on Monday, May 11, at the Meyerhoff Symphony Hall in Baltimore. The Daily Record will also feature the women in a special ”Top 100 Women” magazine. A panel of judges consisting of business professionals and past winners from across the state select the Top 100 Women. It is essential that the candidate prove a combination of excelling at all three levels--professionally, in the community and with mentoring.

When the winners of this year’s Healthy U of Delmarva HUEY Awards are announced, they won’t just be sitting patiently, waiting for their names to be called. Instead, they’ll have the option of participating in everything from a 5K run/walk to a tour of healthy living exhibits. The HUEYs, a seminal part of Healthy U’s programming since its inception, reward area individuals and organizations that demonstrate and promote healthy practices. This year the awards are presented during a family-focused Celebration of Health, 10 a.m.-2 p.m. Saturday, May 30, at Salisbury University’s athletic fields on Wayne Street. Activities begin with a 5K run/walk at 10:30 a.m. (check-in at 10 a.m.). Registration is $20, free for ages 15 and under. All entrants must sign up by Friday, May 8. Participants receive a T-shirt, water bottle and lunch, and prizes are presented in seven age groups from youth to senior. The rest of the day includes free family-fun events and demonstrations such as face painting, healthy living exhibits, healthy food vendors and inflatables for the kids. Rain date is Sunday, May 31. During the HUEY Awards presentation, six individuals and organizations are presented with $1,000 checks, saluting their leadership in initiating healthy practices in themselves and others. Categories include individual, school, house of worship, small business and corporation. A sixth prize, the Outstanding HUEY, honors the individual or organization that has done the most to promote healthy living during the past year. Criteria include results, policy, programs, participation, teamwork, outreach and, in the case of organizations, the percentage of people involved. Exemplifying excellence in these areas are people like last year’s individual winner, Marcia Chrysostome. She created and maintained a healthy lifestyle for herself as well as her four children by exercising and eating right. She developed a five-day-a-week, 30-minute walking regimen that contributed to success in weight loss.

She also changed from fast food and convenience eating to packing a healthy lunch four days out of the work week. Small changes like this are crucial to maintaining good health. Founded in 2002 by civic leader Mitzi Perdue, Healthy U has helped thousands of Delmarva residents lose weight and live healthier for the past seven years. Last year, SU became the new home of Healthy U in an effort to keep residents throughout the region educated about healthier lifestyles. “How do you influence people to have healthier lifestyles?” said Perdue, upon turning over the organization to SU. “That’s the essence of what Healthy U is about.” Healthy U was founded, she said, because the Lower Shore has “some of the most unfortunate health statistics in the nation.” Among those statistics, Wicomico, Worcester and Somerset counties report more obesity than the national average. Additionally, the number of people in Wicomico County using tobacco is also higher. Perdue said she believed through research, SU could help change these statistics. Membership in Healthy U is free. Organized activities, including weekly group walks, classes at the University Fitness Center and even scavenger hunts, are offered at no cost to members. Membership cards good for discounts at local businesses are available for those who register with the program. Sign-up locations include the Healthy U office at 103 Power Street in Salisbury; Curves locations throughout the Lower Eastern Shore, the Mid-Shore Family YMCA in Salisbury, the Lower Shore YMCA in Pocomoke City and the Wicomico County Health Department. To register for the May 30 5K run/walk or for more information call 410-677-5416 or 410-742-9202, or visit the Healthy U Web site at

Business Journal

• May 2009

Business After Hours


Deaf Independent Living Association Board of Directors present for the Business After Hours were Max Verbits, Richard Johnson, Don Peterson and Lance MacAllister. Ramona Bradley explains the Sorenson Video Phone which is used by the deaf and hard-of-hearing.

Deaf Independent Living Association

Salisbury Area Chamber of Commerce members attended a Business After Hours on Tuesday, March 24 from 5 to 7 p.m. at Deaf Independent Living Association, Inc. (DILA) located at 806 Snow Hill Road in Salisbury. DILA provides many programs and services to deaf and hard of hearing individuals and their family and friends living on the Eastern Shore of Maryland. DILA is a non-profit organization that offers residential, community and employment support services. They also offer advocacy, advice and guidance to individuals who need help getting their needs met. Interpreter referral services are available. Chamber members received tours of the facility and learned about the unique equipment that is used. For more information, contact DILA at 410-742-5052.

Chamber members, Chris Barnes and Marly Lynk of Habitat For Humanity along with Donna Griffith from the Salisbury Area Chamber of Commerce got to see the Sorenson Video Phone in action.

Jennifer Whitcomb, executive director of Deaf Independent Living Association, Inc., welcomed the Salisbury Chamber Members to the Business After Hours.

Dan Robinette of Lower Shore Enterprises, Inc. with Brad Bellacicco, executive director of the Salisbury Area Chamber of Commerce, view the display arranged by DILA upon arrival at the Business After Hours.


Business Journal

• May 2009

Postal rate changes to take effect on May 11 The U.S. Postal Service will enact an across-the-board postage rate hike on Monday, May 11, with the price of a first class stamp rising to 44 cents. Prices for mailing services are now reviewed annually and adjusted each May. This edition of Business Journal includes the new Rate Chart. Rising operational costs make the price adjustments necessary. “The Postal Service is not immune to rising costs which are affecting homes and businesses across America today,” said Postmaster General John Potter. If current revenue and volume trends continue, the Postal Service could experience a year-end net loss significantly higher than last year’s $2.8 billion loss. The Postal Service is a reflection of the economy in general. “We are taking bold steps to cut costs immediately,” Postmaster General John Potter told a Board of Governors meeting. Steps include “freezing the salaries of all Postal Service officers and executives at 2008 pay levels, reducing travel budgets and halting all construction of new postal facilities.” “Undeliverable As Addressed,” “Return To Sender,” has proven to contribute extensively to the cost of operation for the Postal Service and mailers. Some studies put the cost at $3 per piece for just the mailer. These pieces of mail have reached epidemic proportions at an average of 40 million pieces per year. Consequently, “Move Update” was introduced by the Postal Service. Regulations

require the business mailer to validate addresses for accuracy before mailing, or as of May 11, will experience a $0.07 surcharge per piece by the Postal Service, plus postage, for failing to meet the Move Update standards. In order to meet the standards for Move Update, the mailer needs to purchase Postal Service approved software from an approved vendor or outsource the data to an approved Postal Service partner at least every 95 days.

“Identifying potential cost savings is more important than ever, yet at the same time, companies and organizations are facing rapid change and added complexities throughout the document generation and mailstream process,” says Alan Dykes, president of Mail Movers in Salisbury. “It is even more critical that they be more aware and take advantage of every opportunity to reduce expenses and improve productivity.” To help mailers immediately reduce

document generation or mail processing expenses and achieve real cost savings and efficiencies, Mail Movers conducted a “free” hands-on Learn & Save seminar on Thursday, April 30, at the Salisbury Area Chamber of Commerce Business Center. Alan W. Dykes has been a Salisbury Area Chamber of Commerce member since 1977 and president/owner of Mail Movers for 32 years. He can be reached at 410-749-1885 or alan@mailmovers.

SVN SUPPORTS MARCH OF DIMES - Sperry Van Ness - Miller Commercial Real Estate along with friends and family joined the March of Dimes March for Babies walk on Sunday, April 19. Team Sperry Van Ness - Miller Commercial Real Estate raised over $3,000 to help support the March of Dimes. The team would like to thank our Team Captain, Christina Rice and Co-Captain, Melanie Griffin and the following sponsors for their contribution to the teams’ fundraising efforts: Flavors Italian Grille in downtown Salisbury, Quizno’s on S. Salisbury Blvd., The Paper People in Salisbury, Crown Family Entertainment Center in Fruitland and Delmar Elementary School.

Business Journal Advertising Index The following Directory of Business Journal advertisers provides quick reference for your convenience. The number appearing before the name of the business refers to the page number where the ad appears in this edition of the Journal.

Advertising 30 Clear Channel . . . . . 543-2100 Architecture / Engineering 14 AWB. . . . . . . . . . . . . 742-7299 13 Becker Morgan. . . . . . . . . . . . . Automobiles & Services 7 Pittsville Motors . . . . 310-8903 20 Pohanka. . 1-877-4-POHANKA 28 Burnett White . . . . . . 742-2222 Communications 4 Comcast Spotlight . . 341-8950 22 Tele Plus . . . . . . . . . 546-5150 Construction 21 Harkins Builders. . . . 750-2600 8 Southern Builders . . 341-3800

Employment 17 Express Employment 860-8888 Farm & Garden 12 Farmers & Planters . 749-7151 Financial 2 Bay National Bank . . 334-3636 27 H&R Block . . . . . . . . 548-7699 36 PNC . . . . . . . . . .888-762-6226 19 Shore Bank . . . . . . . 543-2600 17 Wachovia . . . . . . . . . 548-5400 8 AmCorp Mgmt.. . . . . 742-1904 Furniture 29 DCL Office . . . . . . . . 758-4387 Health 12 Accurate Optical. . . . 749-1545 18 Apple Discount Drugs . . . . 543-8401 22 Aquacare . . . . . . . . . 548-7600 Heating & Air Conditioning 16 Mid-Atlantic Heating. 546-5404

Insurance 5 Atlantic Smith . . . . . . 835-2000 18 Avery Hall. . . . . . . . . 742-5111 6 HK&T . . . . . . . . . . . . 749-0116

Recreation 3 Ward Museum . . . . . 742-4988 16 PRMC Foundation . . 543-7140

Jewelry 10 Robinson’s . . . . . . . . 546-0817

Screen Printing 14 Chesapeake Screen Printing . . . . 749-7660

Lodging 11 Courtyard by Marriott 742-4405 26 Sleep Inn Salisbury . 572-5516 Mailing 20 Mail Movers . . . . . . . 749-1885 Paving 16 Chesapeake Paving & Sealing, Inc. . . . . . 742-2330 Real Estate 28 Alessi Properties . . . 548-7737 35 Sperry Van Ness . . . 543-2440 9 Bradley Gillis . . . . . . 543-2491

Services 15 Peninsula Oil . . . . . . 749-4072 30 SHRM . . . . . . . . . . . . . . . . . . . Technology 10 Telewire . . . . . . . . . . 749-2355 33 Impact Networks . . . 219-3090 Utilities 23 Choptank Electric. . . . . . . . . . . 6 Sharp Water. . . . . . . 742-3333 Inserts Wicomico Chem Dry Salisbury Chamber


Starting at $6.50Ft. psf $12.00/Sq.





$13.00 psf $930/Mo. NNN


• Warehouse Office Space • 4,807 Sq. Ft. of/ Medical/Office Space • 2 Unitswith – 1,930 & 3,247 Sq Ft, Can Combine • 3 Offices Windows • Loading Dock • 7 Exam Rooms w/Sink & Cabinets • Fenced Rear yard • 3 Nurses Stations • Buildout Available& 4 Restrooms

• 501-801 E. Naylor Road • 1,250 Sq. Ft. OfficeMill Space •1,200 Sq Ft and Up • 2 Offices • Retail / Office for Lease • Open Work Area & Kitchenette • Adjacent to 400+ Apartments and close to The • Private with Shower CentreBath at Salisbury

SaleSq. $289,000 Lease $8.50 • 8,000 Ft. Retail /Building on 2.73psf Acres • Room to FtExpand Existing • 3,537 Sq Freestanding OfficeBuilding Building Size • Flexible • Centrally floorplan Located; Private Executive Suite • Drive-InVisible Bay foron Service or Storage • Highly US Route 13 Northbound

Contact John McClellan, CCIM Contact: Brent Miller, CCIM or Rick Tilghman, CCIM MLS # 427617

Contact JohnMiller, McClellan, Contact: Brent CCIMCCIM or Rick Tilghman, CCIM MLS # 438162

ContactHanna, John McClellan, CCIM Henry CCIM, SIOR MLS #427361



309 E. MAIN ST.





9172 oCEAN HWY.



$5.50/Sq. Ft.

Sale $749,000/Lease $3.60 psf



• Former Circuit City DirectApproval, US Rt. 13 frontage accessw/6T Hangers •• FAA Hanger& Bldg. to Sam’s 3150' Club, Wal*Mart & Barnes •• 2Located Grassnext Runways and 2300' & Noble Center •• Includes Equipment & Mowers 23,450 sq.ft.all onShop 2.24 acres • Traffic count of 40,080+ cars per day Contact Henry Hanna, CCIM, SIOR or Wesley Cox, CCIM Henry Hanna, CCIM, SIOR MLS #427047







$1,900/month $475,000

$7.50/Sq. Ft.

• Manufacturing/Warehouse $1,500,000 • Pre-Engineered Steel with Split Face • Downtown Salisbury Office Building Block Office; Clearspan w/20’ Ceilings • 18,208 sq.ft. – renovated in 2000 • Paved Parking and26Truck Arealot • Includes private car parking • Multiple Drive-Thru Doors Contact: John McClellan, CCIM Contact Henry Hanna, CCIM, SIOR or Wesley Cox, CCIM MLS #551363

• 2 Warehouse Units Available $3.50 psf • DirectlyDoors on Rt. 13and w/ Pylon • Drive-In TruckSign Dock • 10,000Town SF Warehouse w/ Office • Zoned of Delmar Light Industrial • 2 Loading Docks, 4 Drive-in Doors • Located in the G&M Sales Complex • 3.6 Acres, Secure outside storage WesleyJohn Cox, CCIM or Henry Hanna, SIOR, CCIM Contact: McClellan, CCIM MLS #437628, 438370

Contact Brent C. Miller, CCIM, CPM or Rick Tilghman, CCIM Contact: John McClellan, CCIM MLS #437339






• 3,000 sq. ft. retail/office space located on • 5,000 RouteSq. 13 Ft. Office/Warehouse • •Warehouse Features 2 Roll-Up Doors & Open floor plan with some office space •Parts CloseRoom to the university and student housing could be divided 1,000 & 2,000 • •2Space Private Offices and into Conference Room sq. ft.Unit spaces • Last in Complex










• •2,012 sq. Office/Warehouse ft. of office space located in the 10,000 Flex Building Professional Center •Milford Full General Commercial Zoning • •Space completely renovated 2 years ago Fenced Yard Area • Office comes fully furnished • For Lease @ $ 5.50/Sq. • 3 months FREE rent if 6/1

• Convenient Location Just Off RT 13

Contact Brent C. Miller,Peek, CCIM,CCIM CPM or Rick Tilghman, CCIM Contact: Chris

MLS # 427375



$12.00/Sq. Ft. • 1,283 Sq. Ft. Professional • Retail/Office units #4 - #9Office totalingSpace 9,322 sq. ft. in the Village Square Center • 3 Offices, Reception Area,Shopping Large Open Area• Condominium & File Roomdevelopment comprised of 4 buildingsRestroom with retail, food, banking & office • Kitchenette, and Lots of Storage units • End•Unit Located in Winter Place Bus. Park Conveniently located off MD-589 in Ocean Contact:Pines, Brent MD Miller, CCIM or Rick Tilghman, CCIM Brent C. Miller, CCIM, CPM or Rick Tilghman, CCIM MLSContact #439632

$18.50/Sq. Ft. • 1,600 Sq. Ft. Medical Office Space From $10 per in sq. ft. Class A Medical Facility • 200- 2,240 sq. ft. office/retail units available in • On the Atlantic General Hospital’s Campus City Center • 3 Exam Rms., Break & Chart Rm., 2 Nurse • Located on the downtown plaza Stations, Office, Reception & Waiting Areas • Walking distance to government buildings • Passenger elevator Contact: Brent Miller, CCIM or Rick Tilghman, CCIM Contact Brent C. Miller, CCIM, CPM or Rick Tilghman,CCIM MLS#441004

$7.50/Sq. Ft.

From $8 per sq. ft. • 13,000 Sq. Ft. • •24975Ft. High Ceilings; 14x10 Ft. Door 2,238 sq. ft. professional office units • Sprinklered available located in Philmore Commons Free and easy • •Separate ADAparking! bathrooms Located at the corner of Route 50 & Phillip • •Great Flex Space! Morris Drive Contact: Chris Peek, CCIM Contact Brent C. Miller, CCIM, CPM or Rick Tilghman,CCIM MLS #436513

$995,000 • 22,500 Sq. Ft. on 5 Acres • Truck Dock & Drive in Access • Sprinklered; Paint & Sanding Booths

Bradley Gillis, Contact: Chris Peek, CCIM CCIM $5 Million Sold This Year MLS#429528

Sperry Van Ness–Miller Commercial Real Estate (410) 543-2440 206 East Salisbury, MD 21801 View allMain of ourStreet listings• at 410.543.2440 206 East Main Street • Salisbury, MD 21801

302.846.9908 38375 Old Stage Road • Delmar, DE 19940 302.227.0768 55 Cascade Lane, Suite C • Rehoboth Beach, DE 19971

Built for Better Results.

Sperry Van Ness is a registered trademark of Sperry Van Ness International Corporation. This location is independently owned and operated.

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Salisbury Business Journal  
Salisbury Business Journal  

May 2009 edition - The monthly Salisbury Business Journal offers vital information on commercial enterprises on the Lower Shore. The Journal...