Salisbury Business Journal

Page 1

PAID

MAIL MOVERS

PRSRT STD US POSTAGE

Business Journal PO Box 510 Salisbury, MD 21803-0510

The Regional Chamber Newsletter

Vol. 12 No. 11

Dedicated to the Principles of Free Enterprise

June 2009

Economic Update June 30

Mid-year report will look at banking, health care and costs

Apprentice

Dr. Randal Pinkett was the keynote speaker at the 2009 spring commencement ceremony at UMES. Page 32

spotlight

Oceanside Underwriters LTD may be a new name to many, but it actually has long standing roots on our community.

Page 4

first job Russell Winters and his brother honed their entrepreneurial spirits while still in high school.

Page 7

strategy

Developing a strategic plan is the most important step for prospering, even when the market conditions aren’t on your side.

Page 15

As promised, the Salisbury Area Chamber of Commerce Economic Forecast Committee is offering an Economic Update on Tuesday, June 30, at Salisbury University from 8 a.m. to noon. During January’s 21st Annual Economic Forecast, a commitment was made to provide an update in six months to the projections of the speakers.

With the economy in trouble, several people voiced a heightened interest in all things economic. The Economic Forecast Committee has planned this program with the assistance and sponsorship of Jon Sherwell of M&T Bank. The presentations will include: • A review of the status of the Delmarva Peninsula economy. • Update on the health of banking and financial institutions in our area.

• The challenges of expanding health insurance coverage while lowering the costs. • Strategies for lowering operating costs and expanding income. This Economic Update costs $25 and will include a continental breakfast. To reserve a spot, contact the Chamber at chamber@salisburyarea. com or 410-749-0144.

Community Foundation receives Salisbury Award The Salisbury Award, the community’s first and most prestigious civic award, was presented to the Community Foundation of the Eastern Shore at the Foundation’s 25th Anniversary Jubilee celebration on May 8 at the Fountains Conference Center. The Salisbury Award was established in 1926 by local businessman G. William Phillips for the purpose of recognizing, “service that has been the greatest benefit to the happiness, prosperity, intellectual achievement or moral growth of the community.” The award may be given to an individual or an organization in the greater Salisbury region for a specific achievement or a body of work over time. This year the trustees of the Salisbury Award voted unanimously to recognize the Community Foundation as the 2009 recipient. Stephanie Willie, a trustee of the Continued to page 34

Community Foundation of the Eastern Shore President Spicer Bell accepts the 2009 Salisbury Award from Stephanie Willey, a Salisbury Award trustee.

Salisbury Area Chamber of Commerce Patrons

www.salisburyarea.com


SALISBURY, MD | FoR SALE FULLY EQUIPPED RESTAURANT SALISBURY, MD│FOR LEASE

SALISBURY, MD | FoR SALE 1616 NoRTHWooD DR SALISBURY, MD│FOR LEASE 2120 WINDSOR DR.

1415 WESLEY DR.

SALISBURY, MD | FoR LEASE 111 WEST MAINSALE ST WESTOVER, MD│FOR

SALISBURY, MD | FoR LEASE 212 WEST MAINSALE ST SALISBURY, MD│FOR

OLSEN’S ANTIQUES BLDG.

BENNETT AIRPORT

D

L O S

$895,000 • Former Watermans Cove, Salisbury, MD • Full Service Restaurant $12.00/Sq. Ft. • Large Dining Room, Full Service Bar/Lounge • 4,807and Sq.Carry-Out Ft. of Medical/Office Space Area • 3 Offices with Windows • 185 Seating Capacity • Comfortable • 7 Exam RoomsAtmosphere w/Sink & Cabinets • Appraised at $1,740,000 – Offered for • 3 Nurses Stations & 4 Restrooms Immediate Sale at $895,000 Contact Henry Hanna, CCIM, or Wesley Cox, CCIM Contact: Brent Miller, CCIM or SIOR Rick Tilghman, CCIM http://Sale.SVN.com/seafoodrestaurant http://Lease.SVN.com/WesleyDrive MLS # 427617

SALISBURY, MD | FoR SALE

SEAFORD, DE│FOR SALE

1205 PEMBERToN DR. 102 PARK AVE.

LD

SO

$1,275,000 • Manufacturing/Warehouse • Pre-Engineered Steel with Split$320,000 Face Block Office; Clearspan w/20’ Ceilings • Medical/ Professional Office Space • Paved Parking and Truck Area • Turn Key Professional Office Space • Multiple Drive-Thru Doors Contact: John McClellan, CCIM Contact Bradley Gillis, CCIM http://sale.svn.com/102Park MLS #551363

SALISBURY, MD | FoR LEASE SALISBURY, MD│FOR LEASE

$930/Mo. NNN

Contact: BrentBradley Miller, CCIM or Rick Tilghman, CCIM Contact Gillis, CCIM http://Lease.SVN.com/2120WindsorDrive MLS # 438162

Henry Hanna, CCIM,Gillis, SIOR CCIM Contact Bradley http://Sale.svn.com/OlsensWestover MLS #427361

Henry Hanna, CCIM, SIORCCIM Contact Bradley Gillis,

HEBRoN, MD | FoR SALE

SALISBURY, MD│FOR LEASE

8161 MEMoRY GARDENS LANE 8999 OCEAN HWY.

E RIC

P

RE

$149,000

• 2 Warehouse Units Available $3.50 psf • 10.3 Acre Parceland Truck Dock • Drive-In Doors • Just off of Route 50 West Light Industrial • Zoned Town of Delmar • Perc & Subdivision Approved • Located in the G&M Sales Complex ContactJohn John McClellan, McClellan, CCIM Contact: CCIM http://Sale.SVN.com/8161memorygardens http://lease.svn.com/8999OceanHighway MLS #437628, 438370

SALISBURY, MD | FoR SALE BERLIN, MD│FOR LEASE

J $2,276/month

$12.00/Sq. Ft.

• JUST REDUCED from $7 per sq. ft. to $5.99

• 1,283per Sq.sq.Ft.ft.Professional Office Space • 3 Offices, Area,+/Large • NewlyReception Renovated 4,560 sq. ft.Open Office/ Space Area Warehouse & File Room • AdditionalRestroom 2,600 +/- sq. of Fenced-In Area • Kitchenette, andft.Lots of Storage in Rear of Warehouse • End •Unit Located in Winter Place Bus. Park Great Location! Contact: Brent Miller, CCIM or Rick Tilghman, CCIM Contact Brent C. Miller, CCIM, CPM or Rick Tilghman, CCIM http://Lease.SVN.com/WinterPlacePark MLS http://Lease.SVN.com/1809Northwood #439632

SALISBURY, MD | FoR LEASE

SALISBURY, MD│FOR LEASE

• Plenty of Free Public Parking

http://Sale.svn.com/BennettAirport MLS #427047

SALISBURY, MD | FoR LEASE

SALISBURY, MD│FOR SALE

111 oLIVE ST.

718 NAYLoR MILL RoAD

2020 SHIPLEY DR.

ED

$5.50/Sq. Ft.

T US

• Includes Internet and Cable

635 HOMER ST.

C DU

C DU

J

$2,800,000

$14.40 psf

•• FAA Approval, Hanger Bldg. w/6T Hangers LEASED TO ANTHONy’S •• 2Located GrassDirectly Runways on the3150' Plaza and 2300' Salisbury’s all Premier Downtown Building& Mowers •• Includes Shop Equipment

C DU

RE

$12 psf

• 8,000 Sq. Ft. Retail Building on 2.73 Acres • Class AtoExecutive SpaceBuilding on the Plaza • Room ExpandOffice Existing Size • 600 Sq. Ft. • Flexible floorplan • Coded Entrances • Highly Visible on US Route 13 Northbound

2630OLD N. SALISBURY BLVD. 10231 OCEAN CITY RD.

T US

$699,000

• 1,250 Sq. Ft. Office Space $143,000 • 2 Offices • Finished Building Lot • Open WorkCommercial Area & Kitchenette • Ready to Build • Private Bath with Shower

NoRTHWooD DRIVE 314001809 WINTERPLACE PKWY.

ED

LE

A

LE

D

E AS

D SE

RE

ED

$8.95 psf

$1.25 -$475,000 $3 psf

$7.50/Sq. Ft.

• 6,875 Sq Ft Office/Will Divide • •5,000 Sq. Ft. to Office/Warehouse Easy Access Route 50 & Route 13 • •Warehouse Features 2 Roll-Up Open Work Areas & Private Offices Doors & Parts Room • Ample On-site Parking • •2Enterprise Private Offices andCredits Conference Zone – Tax AvailableRoom

• Last Unit in Complex Contact John McClellan, CCIMCCIM Contact: John McClellan, http://Lease.SVN.com/718naylormill http://lease.svn.com/2040Shipley MLS #437339

10,000 Office/Warehouse Flex Building • •3,125 Sq Ft and Up Full General Commercial • •Truck Docks/Freight Elevator Zoning Fenced Yard Area • •Office Available For Lease @ $ 5.50/Sq. Ft. • •Enterprise Zone • Convenient Location Just Off RT 13

Contact JohnChris McClellan, CCIM Contact: Peek, CCIM http://Lease.SVN.com/111Olive http://Sale.svn.com/635_Homer

MLS # 427375

SALISBURY, MD | FoR LEASE212 SALISBURY, MD | FoR SALE/LEASE212 FRUITLAND, MD│FOR LEASE

HURLOCK, MD│FOR SALE

106 PINE BLUFF RoAD 1820 SWEETBAy DR.DR. 100 ENTERPRISE

2028 1820 NoRTHWooD DRIVE SWEETBAy DR. IN CROWN SPORTS CTR. FACILITY

W

NE

NG

IT LIS

W

NE

NG

IT LIS

$366,000

$18.50/Sq. Ft. $849,000

• 1,600 Sq.REDUCED! Ft. Medical Office inof • JUST 1.92 AcresSpace with 150’ Class A Medical Facility Route 13 Frontage Zoned General Com• On mercial Atlantic General Hospital’s Campus • Excellent Visibility • 3 Exam Rms., Break&&Access Chart Rm., 2 Nurse • Ideal Site for Full-Service Retail Stations, Office, ReceptionRestaurant & WaitingorAreas • Business is Relocating Contact: Brent Miller, CCIM or Rick Tilghman, CCIM Contact Brent C. Miller, CCIM, CPM or Rick Tilghman,CCIM http://Lease.SVN.com/JamesBarrettMedical http:///Sale.SVN.com/2630NorthSalisburyBlvd MLS#441004

$7.50/Sq. Ft. • 13,000 Sq. Ft. $2,500/month • •244,000 Ft. High 14x10Office/ManuFt. Door +/- sq.Ceilings; ft. Stand-Alone • Sprinklered facturing Building Private Paved Lot • •Separate ADAParking bathrooms ZonedFlex LightSpace! Industrial • •Great • Great Location! Contact: Chris Peek, CCIM Contact Brent C. Miller, CCIM, CPM or Rick Tilghman,CCIM http://Sale.SVN.com/CrownSportscCenter13000 http://Lease.SVN.com/2028Northwood MLS #436513

• 4,000 +/- sq. ft. of Medical Office Space Located Just South of the University$995,000 • •Large Waiting Area, 22,500 Sq. Ft. on55Exam AcresRooms, 7 Offices, Kitchen, Nurse’s Station, Radiology •Room Truck& Dock & Drive in Access 3 Restrooms Sprinklered; Paint &with Sanding Booths • •Office Comes Complete Most Furniture, Medical Equipment, Phone and Computer Systems • Contact: Also Available Lease Chris for Peek, CCIM

Contact Brent C. Miller, CCIM, CPM or Rick Tilghman,CCIM http://Sale.SVN.com/100Enterprise http://Sale.SVN.com/106PineBluff16 MLS#429528

Sperry Van Ness–Miller Commercial Real Estate (410) 543-2440 206 East Salisbury, MD 21801 View allMain of ourStreet listings• at www.SVNmiller.com www.SVNmiller.com 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.


Business Journal • June 2009

PAGE 3

Director’s Journal Community worked together at Salisbury Festival By Brad Bellacicco

SACC Executive Director

...the Salisbury Festi-

The Salisbury Area Cham- val is unique because ber of Commerce thanks it satisfies the entereveryone who helped make the 27th Salisbury Festival a tainment and culinary huge success. desires of our diverse With the help of a few professionals, hundreds of population. volunteers plan and execute this complex event. They Salisbury Festival. We take great care make the difficult task of to keep this festival a showcase of local providing safe and family-friendly bands, dance troupes, artists, and other activities look easy. Many civic and performers. charitable organizations such as the The Festival is a partnership with Lions, Rotary, Jaycees, volunteer fire the City of Salisbury. All of the City companies, scouts, schools and churchdepartments are involved to some dees, benefit from participating in our

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.

2008-2009 Salisbury Area Chamber of Commerce Officers President President Elect Vice President Vice President Vice President Secretary/Treasurer Asst. Sec./Treasurer Legal Counsel Asst. Legal Counsel Past President

J. Scott Robertson Dawn Tilghman Sandy Fitzgerald Ernie Colburn Victor G. Lowe William D. Tingle Robert Mulford, Jr. James Sarbanes Mathew Maciarello Michael Kleger

J. Scott Robertson, P.A. Burnett White Tire and Auto Pohanka Automotive Group Comcast Spotlight Peninsula Neurosurgical Associates Delmarva Tele-Plus, Inc. Market Street Inn Laws & Robertson, P.A. Hearne & Bailey, P.A. PKS & Co., P.A.

gree and many employees spend hours helping provide our citizens with a great weekend. The Sheriff’s Office and several County Departments also contribute to the effort, as does Maryland’s State Highway Administration. Wicomico County Tourism and Market Street Inn sponsored the 1st Annual Quest for the Silver Paddle Raft Race. Our sponsors, Comcast, Pohanka Automotive Group of Salisbury and Toyota, provided the necessary financial, logistical and marketing support to make this event happen. Once again, the Wheels That Heal Car Club and their sponsors, Burnett White Tire & Auto and Shore Appliance, drew in over 100 antique cars and trucks. Even in challenging economic times with many other activities vying for our attention, the Salisbury Festival is unique because it satisfies the entertainment and culinary desires of our diverse population. Pepsi Bottling Ventures and Aaron’s Sales & Leasing hosted the Friday and Saturday block parties with on-stage logistical assistance from Gladden Construction. Support from Perdue Inc. was seen everywhere from vehicles, trailers and tasty food products to sponsoring the entertainment on the Court Street Stage. Mitchell’s Martial Arts sponsored the entertainment on the steps of the government office building. Vernon Powell Shoes and Blue Cross Blue Shield held the Wee Race athletic competition for our younger residents. The kids also appreciated the Children’s Craft Corner sponsored by Chesapeake Utilities. Cat Country Radio of Delmarva Broadcasting held the Delmarva Stars Challenge on the main stage on Saturday afternoon. Gladden Construction provided a cover over the stage that

144 East Main Street, Salisbury, MD • Phone: 410-749-0144 • Fax: 410-860-9925 email: chamber@Salisburyarea.com • Website: www.Salisburyarea.com

On a sad note, Salisbury Area Chamber Past President Thomas S. George Jr. passed away on May 7. Tom was president of the Chamber in 1969-70 and was a key member of the committee that designed and placed the commemorative artwork on the city’s plaza. Mr. George was a founding partner of the architectural and engineering firm of George, Miles & Buhr. May he rest in peace.

INDEX Ad Directory . . . . . . . . . . . . . . . . . . . . 34 Barometer . . . . . . . . . . . . . . . . . . . . . 19 Business After Hours . . . . . . . . . 14, 16

Salisbury Area Chamber of Commerce

shaded the performers during the unusually warm April weekend. The Festival brochure was created by Brereton Enterprises. The artwork on the cover was created by Stacie Bowen Desautels of Daisy Dezigns with design assistance from DiCarlo Digital Copy Center and Emily Rantz. Urban Salisbury, Inc., Art Institute & Gallery, Salisbury Wicomico Arts Council, the Local Owner Restaurant Association and many other businesses also deserve the appreciation of the entire community for their contributions. Also donating to the effort were Salisbury University, Delmarva Homes and Delmarva Tele-Plus with volunteers, Teltronic Inc. with two way radios, Sharp Water with drinking water for the food vendors, Nutters Crossing Golf Club and the Elks Club Golf Course with golf carts, and Food Lion with snacks and drinks for the volunteers. A special thank you to Clay Tarpley of a.s.a.p.r. and Tiffanie and Al Chandler for their leadership of the 27th Salisbury Festival. Clay, Tiffanie and Al along with the festival committee guided the work of literally hundreds of people in making this event one of the best ever. The Salisbury Festival is a glowing example of the good that can come from working together.

Business Before Hours . . . . . . . . . . . 12 Business Directory . . . . . . . . . . . . . . 24 Business Mix . . . . . . . . . . . . . . . . . . . 26 Calendar . . . . . . . . . . . . . . . . . . . . . . . 9 Chamber news . . . . . . . . . . . . . . . . . . 4 City of Salisbury . . . . . . . . . . . . . . . . 10

County Report . . . . . . . . . . . . . . . . . . 13 Education . . . . . . . . . . . . . . . . . . . . . 32 First Job . . . . . . . . . . . . . . . . . . . . . . . . 7 Health . . . . . . . . . . . . . . . . . . . . . . . . 20 Human Resources . . . . . . . . . . . . . . . 17 Member Spotlight . . . . . . . . . . . . . . . . 4 New members . . . . . . . . . . . . . . . . . . . 5 Personnel . . . . . . . . . . . . . . . . . . . . . 23 Real Estate . . . . . . . . . . . . . . . . . . . . 15 Salisbury University . . . . . . . . . . . . . . 33


PAGE 4

Stress reduction workshop

The Salisbury Area Chamber of Commerce will host a Stress Reduction Workshop hosted by Veronica Correa, a licensed clinical social worker, on Wednesday, June 10, from 8 to 10 a.m. This workshop will help you understand what causes stress, how it affects us and give you the tools to manage stress. This workshop can improve employee retention, increase employee performance and create a happier, healthier and more productive workplace. Space is limited and the cost is $40 per person. For more information or to register, call Shannon at 410-749-0144 or chamber@salisburyarea.com.

Berlin Village Fair planned

The Berlin Chamber of Commerce invites you to the 21st annual Village Fair on Saturday, June 13 from 10 a.m. to 5 p.m. on Main Street in Berlin. The event includes a children’s play land, crafters, food vendors, entertainment, the Berlin Idol Contest and the annual Bathtub Race. Bring your treasures to the Antiques Road Show hosted by Charlene Upham in front of Town Center Antiques. The Berlin Idol contest, which will be held at the crossroads of Main and Pitt Streets, begins at 9 a.m. New this year is the Business Park, which will feature 20 booths. To sponsor a booth, contact the Berlin Chamber of Commerce at inquire@berlinmdcc.org or 410-641-4775. For more information or applications to participate, visit www.berlinmdcc.org.

MCE hosts workshop

Maryland Capital Enterprises and the Maryland Home Improvement Commission have joined together to offer a free workshop entitled, “How To Obtain a Home Improvement License.” The workshop will take place at the Salisbury Area Chamber of Commerce, on Wednesday, June 3, from 2 to 4 p.m. This workshop is for anyone who is interested in obtaining a MHIC license for contractors, subcontractors and salespersons. This workshop is also open to building contractors, individuals desiring to start a home improvement or landscaping business, those presently working within a construction trade field, and all other interested persons. Participants will have an opportunity to learn about the exam, the requirements for each license, and the process for applying for a MHIC license. Reservations are required. To register, contact Kristen at Maryland Capital Enterprises at 410-546-1900 or e-mail kbacon@marylandcapital.org.

Business Journal • June 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 Key contact 410-641-4775 Bill Outten 410-968-2500 Valerie Howard 302-846-3336 John Johnson 410-341-4803 Jean Hungiville 410-213-0144 Melanie Pursel 410-641-5306 Carol Ludwig 410-957-1919 Jill Marsh 410-651-2961 Dennis Williams 410-749-0144 Brad Bellacicco 410-632-0809 Barry Laws

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

Members 200 165 88 65 850 300 132 105 825 70

Fax 410-641-3118 410-968-0524

410-213-7521 410-641-6176 410-957-4784 410-651-5881 410-860-9925 410-632-3158

* Basic annual membership cost.

Member Spotlight

Oceanside Underwriters

Oceanside Underwriters LTD may be a new name to many, but if you dig a little deeper you will find that it actually has long standing roots on our community. Oceanside Underwriters is managed by Jennifer Lloyd. She has been in the business for eight years. She started her career working for her father’s agency, Nationwide Insurance. The company had been insuring local residences and businesses for over 35 years. In May 2008, Mr. J.R. Lloyd retired and the company went in a new direction becoming an independent agency. Jen notes, “You can’t grow old in this business, it is ever changing!” Oceanside Underwriters provides home, auto and commercial insurance. With many companies trying to drive their clients to their .com sites where everything is done by the click of a mouse or through an automated phone system, Jennifer believes personal service is necessary when a claim or catastrophe occurs. Often times, people don’t think about this until it is too late. When asked what sets Oceanside apart, Jennifer stated that the company is made up of Eastern Shore natives, local people that have been in this business for years and know the community. “When it comes to insurance people in our community, people want to deal with people they trust and have a relationship with. The best thing about my job is helping people understand their insurance needs, whether I save them money on their premiums or play middle man as the result of a catastrophe.”

Jennifer believes in her community and gives back in many ways. She contributed over $10,000 to The Wellness Community in 2005 by participating in the Strides for Hope marathon in Vancouver, B.C. This organization is near and dear to Jennifer Lloyd her heart as she has had family members deal with cancer in the past. She also has served Junior Achievement of the Eastern Shore for over five years, most recently becoming a member of their executive board. Jennifer believes that JA, a non-profit organization that teaches youth about business and economics,

is important because our youth are the future and it is important to teach them about the real world at an early age. She also remains active in the Salisbury Area Chamber of Commerce, though wearing the many hats a business owner wears makes free time a premium. Jennifer feels the Chamber has helped her business tremendously by allowing her to market herself and the business and thus become recognizable by name and face. Jennifer Lloyd invites you to come see the new face in the established business. The office is open Monday thru Friday from 9 a.m. to 5 p.m. or by appointment. She can be found at 2801 Old Ocean City Road in Salisbury (the old Brown Derby Convenience Store for those local Eastern Shore natives!) or call 410-548-4110.

Salisbury Business Journal

| July Edition

Commercial Construction

The July edition of the Business Journal will feature a special section on Commercial Construction. With ad placement, you will receive a bonus write-up about your company.

Contact Emily Rantz today at 410.749.0144 email - ERantz@mspublications.com


Business Journal • June 2009

PAGE 5

New SACC Members Foster Thomas

Gregory Vetter 1788 Forest Dr. Annapolis, MD 21401 410-974-8826 x107 410-974-8398 (fax) gvetter@fosterthomas.com www.fosterthomas.com Human resource consulting firm providing solutions in HR staffing, consulting, outsourcing of HR operations, and benefits and risk management. Offering a flexible suite of creative solutions to help manage HR operations.

Handcraft Linen Services

Doug Colonna 309 E. Railroad Ave. Salisbury, MD 21804 804-205-4291 410-749-9460 (fax) dougcolonna@handcraftservices.com www.handcraftservices.com Providing linen service to all medical facilities in the area. Referred by Jim Walling of Delaware Tire Center, Inc.

Heartland Payment Systems

Zachary King 31052 Frankford School Road Frankford, DE 19945 302-841-0963 877-837-6699 (fax) Zachary.King@e-hps.com www.HeartlandPaymentSystems.com Offering credit card, payroll, remote check deposit processing systems as

Is choosing the right insurance complicated?

well as restaurant management and POS systems. Also offering restaurant lending. Referred by Jean Hungiville, Minuteman Press.

Interiors by Decorating Den

Michelle Belsito 906 Camden Ave. Salisbury, MD 21801 410-742-4209 410-742-6368 (fax) michellebelsito@verizon.net decdens.com/mbelsito Offering interior decorating for homes and businesses, including custom window treatments, furniture, bedding, flooring, wall covering and accessories.

Layton’s Chance Winery

Jennifer Layton 4644 Ravenwood Road Vienna, MD 21869 410-228-2464 410-228-0511 www.laytonschance.com Offering wine, wine tastings, tours and special events.

The Insurance Market, Inc.

Jim Hartstein P.O. Box 637 Laurel, DE 19956 302-381-0977 302-875-7541 (fax) jwhartstein@insurancechoices.com www.insurancechoices.com Independent insurance agent and financial services firm.

Auto • Primary & Secondary Homeowners • Life Watercraft • Commercial Property • Condo General Liability • Contractor • Commercial Auto Workers Compensation • Transportation • Flood Health • Employee Benefits • Liability • Umbrella

Insurance. Simplified. ASC&D.

Call Us Today At 410-835-2000

7171 Bent Pine Road At Route 50 | PO Box 770 Willards, MD 21874 | www.ascd.net

CORAL AQUACULTURE - The Agri-Business Committee recently met in Mardela Springs to tour Maryland’s first and only certified coral aquaculture facility, Pacific East Aquaculture, Inc. Owners Dr. Mac and Rachel Terzich have developed a partnership with coral farmers in the Solomon Islands. Frags of coral cultured at this indoor state of the art coral propagation facility and greenhouse are primarily sold online at PacificEastAquaculture.com to advanced reef aquarists and hobbyists. Shown here is Dr. Mac Terzich with some of his specimens.

It doesn’t have to be.


PAGE 6

Business Journal • June 2009

Salisbury Area Chamber of Commerce renewals About Faces Day Spa E. S. Adkins & Company Advanced Property Rental.com Affordable Business Systems, Inc. America’s Best Value Inn Anchorage Nursing & Rehabilitation Center Atlantic/Smith, Cropper & Deeley Austin Cox Mechanical, Inc. AWB Engineers Bank of America Barkley Associates LLC Bayrunner Shuttle BBSI Becker Morgan Group, Inc. Beechnut Farms Berry Van Lines, Inc. Blood Bank of Delmarva Blue Water Pool Side Services Bob Evans Restaurant Boscov’s Travelcenter Caldwell & Whitehead, P.A. Callaway Office Equipment Co. Catering by Chef Stewart (Flannerys) Cathy’s Pet Salon & Spa, Inc. Chesapeake Screen Printing, Inc. Chesapeake Utilities Corp. Chinatown Buffet Cockey, Brennan & Maloney, PC

Coldwell Banker Residential Brokerage/Cooper-Stewart Consulting, Training, & Development Services Richard G. Cooley Crown Sports Center The Daily Times/Gannett Co. Inc. Davis, Bowen & Friedel, Inc. Delmarva Tele-Plus, Inc. Delmarva Time & Control Dennis Storage Company, Inc. E.D. Supply Co., Inc. Easter Seals Society of DE & MD Eden Used Auto Parts Educational Supplies, Inc. Edward’s Marine & Sons, Inc. Etch-Art Awards Evans Builders F.W.B. Transportation The Farmers Bank of Willards G & M Sales of Delmarva, Inc. Giant Food LLC Go-Glass Corporation Goodwill Industries of the Chesapeake Gordy Tiger Mart The Gospel Shop Great Scott Broadcasting H & R Block Hampshire, Hampshire & Andrews

Ernie Colburn appointed to state chamber board In order to be more effective in representing the businesses of Maryland, the Maryland Chamber of Commerce is building a statewide business coalition with other business organizations, particularly local chambers of commerce. The Chamber Action Network is an alliance of nearly 50 chambers across Maryland working together to advocate for economic growth and a strong business climate. The Maryland Chamber also encourages all county chambers of commerce to select someone from their leadership to serve on the Maryland Chamber’s board. These representatives offer a critical link to local business communities throughout the state for the Annapolis based state chamber. They bring a local perspective to the Maryland Chamber Board’s deliberations, and they help spread the word about the State Chamber’s activities and advocacy efforts. Representing the Salisbury Area

Chamber of Commerce is Chamber Vice President Ernie Colburn, a senior manager with Comcast Spotlight. Mr. Colburn was appointed to the Maryland Chamber in April and joins two other members of the Salisbury Area Chamber on the body, James R. Thomas Jr. of George, Miles & Buhr, LLC and Frederick L. Hubbard of Choptank Electric. In addition to his Chamber activities, Ernie Colburn is involved with the American Cancer Society, American Heart Association and the Board of Directors of the local Red Cross Chapter. He previously served as a post commander for the Veterans of Foreign Wars, is a Vietnam veteran, past president of the Dover Delaware Jaycees, past vice president/director of the Delaware Jaycees, and served on the Governor’s Commission for Agency to Reduce Crime. He received a national award from Comcast Corporate as “Sales Manager of the Year” in 2001.

Healing Hands Animal Hospital Henry L. Vinyard, PA, Attorney at Law Holloway & Marvel, P. A. Holt Food, Paper & Chemical Company Hudson Health Services, Inc. Inacom Information Systems InFocus Financial Advisors, Inc. Jones and Frank Corp. Kim & Associates, P.A. Long & Foster Real Estate M & T Bank Mail Movers Main Street Financial Services, LLC Mallard Landing Maple Shade Youth and Family Services Merrill Lynch Metropolitan Magazine Mid-Atlantic Settlement Services Mitchell’s Martial Arts & Fitness Morgan Stanley Sona Morrison - Attorney at Law My Handyman Services National Multiple Sclerosis Society Office Mender Olympia Fitness Club Peninsula Oil & Propane Friends of Poplar Hill Mansion, Inc. Porter and Powell CPAs Price Buick Pontiac GMC

Riverside Pharmacy Salisbury Neighborhood Housing Salisbury Storage Warehouse Sam’s Club Shore Appliance Connection, Inc. Shoreland Inc. Signs By Tomorrow T. E. Smith & Son Mechanical Soule & Associates, P.C. Standard Register Company George G. Strott, Jr. P.A. Salisbury Super 8 Sylvan Learning Center Taylor Oil Company Inc. Tilghman Oil Co. Peggy D. Trader - Long & Foster Tri-County Chapter, IAAP Trice Geary & Myers, LLC United Dominion Realty Trust United Landscaping, Inc. University of Maryland Eastern Shore Valvoline Instant Oil Change Wicomico Nursing Home Wicomico Soil Conservation District Wicomico Vault Company, Inc. Wilmington University WMDT TV Zia’s Italian Grill


Business Journal • June 2009

PAGE 7

First Job: Russell Winters values his co-workers By Ann Wilmer

Russell Winters and his brother honed their entrepreneurial spirits while still in high school. They started and ran a lawn service that had 100 customers when Winters left to go to his first postcollege job. His brother, who became a school teacher, actually kept the business going finding a ready pool of applicants among his students. He recommends that anyone who wants to do business anywhere polish their sales techniques. Those early lessons in business have served Winters well for more than 30 years in business. “I learned that you have to sell yourself,” said Winters. “When any potential customer approaches you, you have to put on your best sales smile. You never know if someone is going to be a customer or not. I think that’s helped me in all three of my jobs.” One of the most important lessons he has learned is to value “the people you work with. It’s just so important. You are going to need them at different times so you better treat them well.” By the time he and his brother

were in college they had high school kids working for them. They learned that they had to find ways of motivating their employees and that the same things didn’t work with every employee. “A lot of people like things laid out in black and white,” he observed, “but when you are dealing with people, it’s not that simple. You have to look at the situation you are dealing with, assess it and deal with what’s right there.” His first accounting job was with Faw Casson in Salisbury, where he worked for seven years before joining CATO Gas & Oil where he is now chief financial officer (CFO). He will mark 27 years with the firm in July. He said that any business is only as good as the people working for it. “The main asset of our business is the employees who work at CATO,” he said. CATO now owns and manages convenience stores and fast food restaurants as well as the propane business. He pointed out that 30 years ago, people bought gas for their automobiles at a service station, but over time that changed. Now many people try to combine their errands on the way to or from

Russell Winters

work by gassing up at a convenience store, preferably one that also sells food, ready-to-eat. The way that any firm does business will change over time. The folks at CATO have been able to change and adapt to changing consumer preferences. He credits that adaptability to personnel from top to bottom that were

willing to change. As a result, their Popeye’s food and gas combo unit in Dover was the first in U.S. “What doesn’t change is the quality of people you need to do business. They can help you adapt and change to meet the future,” he said. Another important lesson is corporate responsibility, to give back to the community where you prosper. Company employees raised over $14K two years in a row for the March of Dimes. Last year, CATO was the #2 fund-raising team. They also raised $17K for the Cancer Society through the Relay for Life this year. Part of that comes from the fact that this is home to management as well as rank-and-file employees. Winters and his wife, Sharon, raised three children – Kelly, 30, Timothy, 28 and Carolyn, 25. The investment has rewarded him with three grandchildren. The company is in the third generation of family ownership and, like many other well-established firms, they are very community oriented. “We take great pride in being part of the community.”

Cable Advertising. Reach your customers where they work, live and play! comcastspotlight.com

• ON AIR • ON LINE • ON DEMAND

Salisbury (410) 341-8950 | Fenwick Island/Ocean City (302) 541-5800 www.comcastspotlight.com


Business Journal • June 2009

PAGE 8

Andean bear undergoes four-hour surgery at the Salisbury Zoo One of the Salisbury Zoo’s Andean bears recently underwent a four hour surgery where doctors extracted two of the male bear’s teeth. Several months ago, during a medical procedure, veterinarians and zoo staff noticed an abscess on the bear’s jaw. Zoo staff found a doctor, Dr. Barron P. Hall of the Animal Dental Clinic, that had experience with exotic animal

From left are Ann Konopik, animal curator; Dr. Wack; and Debbie Graham, Zoo vet.

RIBBON CUTTING - Herl’s Bath and Tile Solutions recently celebrated the grand opening of their new facility located at 31440 Winterplace Parkway with a ribbon cutting ceremony. Greg Herl cut the ribbon surrounded by family, employees and friends with the support of the Ocean Pines and Salisbury Area Chambers of Commerce.

Construction sites Demoliton Tear-Downs Clean-ups Permanent Locations

Only

$99

(plus tonnage)

dentistry. The Zoo also contacted Dr. Allison Wack from the Maryland Zoo who assisted the staff in anesthetizing the bear. Because the Zoo does not have an animal clinic on grounds, the bear exhibit was made into a makeshift surgery room. The Zoo is currently undergoing fundraising to build a facility that would house an animal clinic.

Residential Commercial Industrial Remodels Empty that garage

to haul away your debris

Call 410-749-4072 www.penconstruction.com Since 1935


Business Journal • June 2009

PAGE 9

Calendar of Events

Salisbury Chamber Tuesday, June 2 – Ambassadors, Bob Evans, 8 a.m. Wednesday, June 3 – Young Professionals Committee, Chamber Business Center, 5:30 p.m. Thursday, June 4 – Beautification Committee, Chamber Business Center, noon. Monday, June 8 – Workforce Development, TBA, noon. Wednesday, June 10 – Membership Committee, Bob Evans Restaurant, 8 a.m. Wednesday, June 10 – Stress reduction workshop presented by Veronica Correa at the Chamber 8 a.m. to noon.

Geeks: When Boomers and Young Workers Collide. Chamber Business Center, 9 a.m. to 3:30 p.m. Four generations are co-mingling in the workplace, each bringing with them different managerial approaches and working styles. Capitalizing on each generation’s strengths is a must. Minimizing generational clash-points is a necessity. Join us for more! Thursday, June 18 – General Membership Luncheon, Ramada Inn & Conference Center, Wallops Island, a regional economic engine, noon. Friday, June 19 – Recycling Committee, Chamber Business Center, 8 a.m.

Friday, June 12 – Executive Committee, Bob Evans Restaurant, 7:30 a.m.

Monday, June 22 – Executive Committee, Chamber Business Center, noon.

Tuesday, June 16 - Eldercare Provider Network, Genesis Eldercare, 8:30 a.m.

Wednesday, June 24 – Board of Directors, Chamber Business Center, noon.

Wednesday, June 17 – Business Affairs Committee, Chamber Business Center, 8 a.m. Wednesday, June 17 – YP/Lunch ‘n’ Learn, Chamber Business Center, Speaker: Mayor Jim Ireton; Topic: The City of Salisbury. Come and learn more about the mayor’s ideas for the city. Noon to 1 p.m.

Wednesday, June 24 - Business After Hours, Greater Salisbury Building, 5 p.m. to 7 p.m. Thursday, June 25 – PR & Marketing, Chamber Business Center, noon. Tuesday, June 30 – Economic Update, Salisbury University, 8 a.m. to noon.

CHESAPEAKE

Thursday, June 18 – Geezers and

PAVING & SEALING INC.

• Asphalt Repairs • Striping • Seal Coating • Paving

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

Residential & Commercial FREE ESTIMATES

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.

OVER 18 YEARS EXPERIENCE

QUALITY WORK GUARANTEED

410-742-2330

PARSONSBURG, MD.

MHIC 68616

www.harkinsbuilders.com 410-750-2600 Jeff Brown and Jim Brown


Business Journal • June 2009

PAGE 10

City named finalist in All-America competition By Lore’ L. Chambers Assistant City Administrator

The City of Salisbury has been named a finalist in the 60th annual All-America City Awards by the National Civic League. The designation as an All-America City is given to only 10 winners each year for outstanding civic accomplishments. The All-America City Award (AAC) is for communities of all sizes. The designation is unique because it recognizes the efforts of entire communities – it denotes inclusiveness, collaboration, civic engagement and innovation. The City of Salisbury is honored to be among the 32 cities, towns, counties and communities selected to compete for this prestigious award. The June 17-19 awards program will be in Tampa, Fla., and will include civic forums and opportunities to share stories and learn from other cities and how they have addressed various challenges. It will also provide an excellent opportunity to catch up on the latest strategies for local problem solving. During the three-day competition,

a delegation from each community will present its challenges and solutions to a jury of national experts from across the United States. The 2009 awards program will feature Innovation Forums to promote peer-to-peer dialogues among the finalist communities and regional and national leaders. Topical dialogues and panel discussions on “green” solutions, immigrant integration, race relations, and economic recovery strategies will be featured, along with a planning session for future AAC alumni activities. The Salisbury group to travel to Tampa will include several youth from the Youth Leadership Academy, including a past Hometown Hero. The youth are actively engaged in a fundraising effort to ensure that Salisbury can be represented in the final award competition. One of the youth, Josh Thompson,

wrote a heartfelt letter to The Daily Times that was featured on May 13. Josh will also be performing during the Civic Action Fair and Cultural Entertainment session of the conference. We need the financial support of the local community to send a delegation of 15 people to the All-America City competition. Why, you might ask? Communities must present their projects to a panel of judges. We want to show support for all of

the representatives whose projects are making Salisbury a better and healthier place to live. One of the projects must focus on young people. To that end, we are bringing a number of young people from the Youth Leadership Academy and their chaperones. Communities that send a diverse delegation best represent the diversity of their community. The returns on this financial investment could be many. For example, individuals and businesses looking to relocate seek out All-America City winners and finalists, recognizing that they are good places in which to live and work. If you are interested in making a donation to assist with getting the community members representing Salisbury to the awards competition in Tampa, contact Julie DeYoung at julie.deyoung@perdue.com or 410-543-3166, or Susan Wood at the City of Salisbury at swood@ci.salisbury.md.us or 410-3343031.

WHAT YOU NEED FROM A BUILDER...

OPTIONS

A Tradition Of Reliability Since 1925

Commercial

Parking Structures

Multi-Family Residential

Environmental

Hospitality

Design-Build

Retail

Construction Management

Health

Mixed Use

Pre-Construction Services

Life

Healthcare

Renovation

Offices

Tenant Fit-Out

Educational

Custom Residential

Property Casualty Court Bonds

Employee Benefits Contractor’s Bonds Long Term Care Medicare Supplements Medical Malpractice

Call Today (410) 742-5111 www.averyhall.com 5 Locations across Delmarva Salisbury • Easton • Seaford • Millsboro • Bridgeville

Manufacturing

410-341-3800 www.southernbuildersinc.com


When opportunities knock, will your business be ready?

{ CFO: Cash Flow Options from PNC.

Specially designed solutions to meet the unique needs of your growing business.

}

Let PNC Cash Flow Options open doors for your business. Designed to effectively improve cash flow, Cash Flow Options help accelerate the collection of receivables, improve your payment methods, and ensure access to cash when you need it. Which allows you to entertain words like “acquire,” “hire” and “expand.” In fact, we lent $1.2 billion to businesses in the first quarter alone. Because we know, with resources at the ready, you can pursue opportunities — and invite them in.

To find out how we can help, call 1-877-BUS-BNKG or visit pnc.com/cfo.

Includes new and renewed loans to businesses up to $30 million in annual sales size in the first quarter 2009. All loans subject to credit approval and require automatic payment from a PNC Bank Business Checking account. Other fees and charges may apply. Bank deposit products are provided by PNC Bank, National Association and PNC Bank, Delaware, which are Members FDIC. ©2009 The PNC Financial Services Group, Inc. All rights reserved.


PAGE 12

Business Journal • June 2009

Business Before Hours Common Grounds

On April 29, Common Grounds hosted an eye opening Business Before Hours for Chamber members. The morning began with a ribbon cutting to celebrate their recent opening. Common Grounds, which is located at 701D East Naylor Mill Road in Salisbury, offered guests great coffee, coffee drinks and juices as well as morning pastries. Common Grounds is proud to be green certified. Stop in, have a cup and ask them all about it!

Surrounded by family, friends and fellow members, Tri Townsend and Frank Potvin cut the ribbon. Special guests include Salisbury Mayor Jim Ireton and Chamber president Scott Robertson.

Stephen Franklin and Jennifer Briddell-Shores, Accurate Optical; and Karen Cherry, Sperry Van Ness-Miller Commercial Real Estate.

Sean Fahey, Peninsula Roofing; Dave Mandelson, Salisbury Bowling Center; and Paul Johnston, Generations Financial Advisors.

Staff prepares beverages for the guests.

Karen Cherry and John McClellan of Sperry Van Ness-Miller Commercial Real Estate.


Business Journal • June 2009

PAGE 13

We will work to keep agriculture alive, well By Rick Pollitt On May 5th, the Wicomico County Council voted 4-3 against enacting legislation that would have required a significant lower density for new house construction in the county’s agriculture districts. This marked the end of a long process in which hundreds of Wicomico County citizens became personally involved in seeking the best way to preserve our rural way of life and, at the same time, keep Wicomico County as the number one county for agri-business in the State of Maryland. There were strong feelings on both sides of the issue. Those against the legislation staged a “Tractorcade” in downtown Salisbury. All participants agreed on two issues - that agriculture must remain our prime industry and our environment must be protected. In accepting the petition from the farmers at the conclusion of their demonstration in front of the Government Office Building, I noted that the issue had divided our community even within some of our farming households. I said then that “it’s not supposed to be that way.” Council President Cannon, when casting the deciding vote against the legislation, echoed the same sentiment. Surely, we are strong enough as a community to strike a workable balance that accomplishes our goals without tearing at the fabric

Networking 101 Prepare and practice your self-introduction to avoid being tongue tied. Prepare a self-introduction that is clear, interesting and simple. Tailor it to the event and make it about eight to 10 seconds. It may seem silly, but practice it. You would take the time to practice before a sales presentation, right?

county report I am confident that responsible planning and productive agriculture can thrive together as the foundation of a solid, rural economy. of what makes our community whole. I salute all those who joined the vigorous debate. While it has been emotional and divisive, it has been an outstanding example of democracy in action. I also appreciate the countless hours spent by members

of the county council as they attempted to reach a reasonable compromise. While the legislation’s failure may seem a defeat to some, I believe great progress was achieved that will lead to a more satisfactory conclusion which can be embraced by most of our citizens. Having participated in a number of conversations prior to the vote, I am aware that we came very close to reaching a responsible compromise

before the council meeting. I want to build on the progress that was made, believing as I do, that if we agree on the objectives, a way will appear to achieve our goals. Accordingly, I shall appoint an expert panel to pick up where the debate concluded. I shall urge them to build on the elements of the compromise measures that were placed on the table. A key part of this panel’s charge will be to propose the implementation of a valid and voluntary agricultural land preservation program that will relieve our local farmers from some of the stress caused by development pressures - allowing them to maintain own-

ership of their property while gaining a fair measure of compensation for not pursuing the development option. As we move ahead, I will consult with the secretaries of the Maryland Departments of Agriculture and Planning as well as the State and Wicomico County Farm Bureaus. I am confident that responsible planning and productive agriculture can not just peaceably co-exist but thrive together as the foundation of a solid, rural economy. If we are to leave to our children and grandchildren the kind of quality of life we’ve enjoyed for so long, we simply must make this work. And we will.

10% OFF YOUR NEXT MEETING WITH MENTION OF THIS AD


PAGE 14

Business Journal • June 2009

Business After Hours

American Red Cross The Lower Shore Chapter of the American Red Cross played host to the Chamber on May 6. Food was catered by Red Cross volunteers including a barbecue and beverages were supplied by their good neighbor, the Knights of Columbus. Visitors were also able to view many displays and learn about the varied services that the local chapter offers. Volunteer opportunities range from office support to training for disaster relief. Attendees were treated to an enjoyable, educational evening.

Dr. John Frederickson, Wicomico County Board of Education; Janet Rubin, Red Cross.

Janet Rubin, Red Cross; Michael Eddy, Delmarva Power; Avis Ruffins-Justice, American Red Cross Adult, Infant, Child and babysitting instructor.

Dianne Johnson, Delmarva Education Foundation; Robert Williams, Deputy Director Emergency Services-Lower Shore.

Barbecue for Chamber members with Tom Mace and David Shipley cooking.

New Chamber members, Madalaine and Harry Howe of MAD Engineering.

John Brenner, Bob Williams, Pat Hill, Troy McCabe, Barbara and John Culp.


Business Journal • June 2009

PAGE 15

Strategic planning is your best investment By Wesley Cox, CCIM Valuing a property or portfolio even in the best of market conditions is a subjective exercise further ...consistently great complicated by the fact that tactical execution only we don’t have the luxury of occurs when a sound a robust commercial real estate market on our side. strategic plan has been Have commercial real put in play. estate values hit the bottom, will they continue to fall, or are they already starting to do better than those who don’t. Why recover? would anyone choose to be among the The answer can vary based on the quality of the asset, the property’s asset latter group? Commercial real estate brokers and class, the type and quality of the tenadvisors are often called upon by cliant mix, the property’s location, supply ents to provide an opinion of value on and demand drivers such as new conan individual property or portfolio of struction starts, absorption and vacancy properties. rates, capital and credit availability, These reports are most commonly and any number of other factors which referred to as BOVs (Brokers Opinion make planning difficult at best. of Value), BPOs (Brokers Price OpinOwning commercial property durion), or CMAs (Competitive Market ing these challenging economic times Analysis). can perplex even the most savvy and The depth and quality of these docsophisticated principals. uments vary from practitioner to pracIt has been my experience that chaltitioner, sometimes being little more lenging economic times require both than a page or two in length. superior strategic planning and excelThese reports often constitute a lent tactical execution. baseline for an owner’s decision as to Thus, I’m always amazed at the what to do with an asset or portfolio. number of commercial real estate These reports are also often given owners, individuals and institutions away by brokers as a professional alike, that don’t have a Strategic Asset Management Plan (SAMP) in place for courtesy in hope of gaining the opportunity to sell the property when the their portfolio. timing is right. Many principal owners are so reacIt is my opinion that this entire tive in their approach to dealing with process is an exercise in frivolity as fluid market conditions that they don’t demonstrated by its inherently flawed do any planning unless they’re forced business logic. to do so. If as a property owner you put any If I only had a dime for each time faith in a thin document, which is norin the last two years I’ve been told by mally prepared within a matter of days, owners “that there really isn’t any need at no cost, and with little if any input for planning because my hands are tied or collaboration with you, then you’ll given current market conditions.” get what you deserve. As a professional real estate adviJust because many industry practisor, I can state with great certainty that tioners offer this service doesn’t mean it is precisely when you think your opit isn’t crazy. For example: tions are limited, that the need for stra• If a CEO asked his attorney to tegic planning is most paramount. provide a tax opinion for free, not only Moreover, unlike robust markets would this be unlikely to happen, but if that will be forgiving of operational it did, the disclaimers would be longer mistakes, tactical execution must be than the document itself, and it would near perfect levels to survive down ultimately be a worthless document. markets, and consistently great tactical • If the board of directors of a corexecution only occurs when a sound poration asked an investment banking strategic plan has been put in play. firm to provide a business valuation I’m going to make a case for a on a short time frame, solely based paradigm shift in traditional business upon market comparables, and at no logic used by commercial real estate cost, not only would the valuation be owners. I challenge everyone to justify useless, but the board would likely be operating in a status quo fashion, when sued if it was used to justify sell-side what they should be doing is just the pricing. opposite. • If you were to hire a consulting The reality is that those who invest firm to prepare a strategic plan they in a strategic planning process simply

Real Estate

certainly wouldn’t do it without a retainer, and you would expect something substantial in return for your investment of time and money into the process. You see, expecting something for nothing is a useless endeavor. Moreover, just because you can get someone to buy into a process because “that is the way things are typically done,” doesn’t mean you should. From my perspective, the days of providing free BOVs only in an effort to get a listing are over. Clients in today’s market expect more from their professional advisors. Savvy clients are looking for an edge; they demand value, and they are willing to invest in a process that leads to a demonstrated return on investment. In my practice, I have a collaborative process based upon solid business logic that insures the development of a strategic asset management plan that covers the full lifecycle of a real estate investment. The process doesn’t take a retroactive approach to valuation based upon historical data at a defined point in time; rather it is a proactive approach

to maximizing current operating income as well as aggressively managing the asset for maximum valuation at a planned point in the future. These two contrasting processes represent polar opposite ends of the spectrum, and generate two completely different outcomes. The moral of the story is this, you can keep operating using old methods hoping to maintain status quo and receive something for nothing, or you can modernize your approach and receive tremendous value while maximizing your investment. The choice is yours, but choose wisely especially during the current economic conditions when maximizing your property portfolio is even more important. About the author Wesley Cox, CCIM serves as an advisor for Sperry Van Ness-Miller Commercial Real Estate. Cox has secured over 100 transactions and participated in over $90 million in transactions in the past six years. He can be reached at wesley.cox@svn.com and 410-5432421.

John Hancock Life Insurance Company (John Hancock)

A rewarding benefit. I am pleased to announce the availability of the John Hancock Long-Term Care Insurance Policy. Long-Term Care Insurance provides coverage for services needed by people who are no longer able to care for themselves due to chronic illness, injury, or the effects of aging. The John Hancock Long-Term Care Insurance Policy, with its discounted rates, is being offered to members of the Salisbury Area Chamber of Commerce and their spouses, partners,1 siblings, parents, parents-in-law, and children (including adopted and foster), between the ages of 18–84.2 You and your eligible family members may qualify for additional premium discounts.

Call today to learn more about this rewarding benefit: Steve Smith - Premier Planning Group 1703 Upper Millstone Lane, Salisbury MD 21801 410-546-9725 ssmith@premierplanninggroup.com

1. Only spouses are eligible in Louisiana and Maryland. In New York, only partners (same and non-same sex) and spouses are eligible for the discount. 2. Eligible ages may vary by state. Long-term care insurance is underwritten by John Hancock Life Insurance Company, Boston, MA 02117 and in New York by John Hancock Life & Health Insurance Company, Boston, MA 02117. Policy Series: LTC-03 • In ID: LTC-03 ID • In PA: LTC-03FR PA • In NY: SG-03 NY In NC: LTC-03 NC • In OK: LTC-03 OK 10/03 • In CA: LTC-02 CA


PAGE 16

Business Journal • June 2009

Business After Hours Courtyard by Marriott

The Courtyard by Marriott graciously opened their doors to Salisbury Area Chamber of Commerce (SACC) members on Tuesday, April 21, for a Business After Hours. A wonderful buffet was set for all those in attendance. The Courtyard by Marriott, located at 128 Troopers Way in Salisbury, is ideal for business or leisure. Their guest rooms offer a spacious layout with work desk, high-speed Internet and sofa bed. Stop by their Courtyard Cafe for a cup of coffee and hearty breakfast buffet. Featuring meeting space that accommodates up to 70 guests, the Courtyard Salisbury features two function rooms perfect for social gatherings and small business events. For more information or to book your next event, call the Courtyard by Marriott at 410-742-4405.

The beautiful Courtyard by Marriott located on North 13 at 128 Troopers Way in Salisbury.

Don Murphy, Delmarva Tele-Plus with Brad Gillis of Sperry Van Ness and Palmer Gillis of Gillis Gilkerson. Chamber members were welcomed by Maria Agro Garrison, general manager of the Courtyard by Marriott, to the Business After Hours.

New Chamber members Shawn Garrahan and Shaun Smith of Colonial Life with prospective member, Troy Conway of Conway Enterprise.

Cindy Dennis and Diane Taylor of Career Associates/Bestemps enjoy the evening with Bonnie Smith from BB&T.


Business Journal • June 2009

Watch your office Workshops can prepare from anywhere candidates, interviewers in the world. Human PAGE 17

By Jackie Gast

Recently, I had an Oprah “ah ha” or more like a “huh” moment. I’m just not sure why it took me so long to If you go the extra mile, get it. Over the years, I have heard about many barriers to your employee will be employment for people with likely to go the extra disabilities from both job mile for you. candidates and employers. This past year, two events were held, one for human unsure, wary management. Huh. Pretty resource managers and the other for job tough scenario. So what do we do candidates with disabilities. about it? Educate, educate, educate. If Comparing the answers from the the person can’t do the job, don’t hire evaluation results, interesting chalthem. If they can do the job with a realenges and questions are raised. As sonable accommodation, hire them. By a disclaimer, these results are from a the way, a reasonable accommodation small sampling, however, based on my never includes reducing accepted levels experience, I feel they are representaof productivity. If you go the extra mile tive. Also, I acknowledge that many managers and job candidates do not fall to accommodate, your new or retained employee will be likely to go the extra into the categories below. mile for you. Good news. At the time of In April 2008 at the ESBLN Busithe summit, only 36% of managers acness to Business Employer Summit, tively included people with disabilities Diversity at Work, in Ocean City, into their recruitment strategies. participants filled out evaluations askAt the conclusion of the ESBLN ing what they perceived to be the most Employer Summit, 93% of respondents prevalent barrier to employment for said they were very likely or somewhat people with disabilities. The top three likely to include people with disabilities answers given in order of frequency into their recruitment strategies. were lack of management support or As a result of the No Spare Maryeducation; lack of knowledge about the lander Workshop for job candidates, Americans with Disabilities Act; and 100% of the participants who respondlack of knowledge about how to proed to the evaluations said that they felt vide an accommodation.In April 2009, better prepared for their job search. a No Spare Marylander Workshop for job seekers with disabilities was held at Even better news, Christine Zabel, a the One-Stop Job Market in Salisbury. participant in the No Spare Marylander The participants were also asked about workshop mentioned above, has found what they perceived to be the greatest part-time employment though the ESbarrier to employment. Their answers BLN/Salisbury Area Chamber of Comwere lack of self-confidence or fear of merce/One-Stop Job-Market network. rejection; the appearance of the disThe ESBLN is a resource for the ability; and inadequate communication nine Eastern Shore counties of Maryand awareness. Put these two groups land, Virginia and Delaware. There is together and what do you get? People no charge, only a wealth of information without confidence trying to sell their and support for businesses. For more skills and strengths to a non-accepting, information, visit esbln.org.

Resources

Mid-Atlantic

If you have a connection to the internet, you are as good as in your office. Go out on the road in peace with our new surveillance solutions.

Heating & Air

Conditioning, Inc. SALES & SERVICE

2312 Allen Drive Salisbury, MD 21801

410-546-5404 We Service All Brands Of Equipment Service Contracts • We Recommend CARRIER Voted ‘Best of the Eastern Shore’ for 2006

HVAC#6358

(Quality & Service Since 1979)

MHIC#11003

410.219.3090 info@impacttg.com


Business Journal • June 2009

PAGE 18

ABLE LUNCHEON - Salisbury University’s Franklin P. Perdue School of Business recently held a luncheon to thank employers participating in its Applied Business Learning Experience (ABLE) internship program. Standing, from left, are Chris Parks, Dove Pointe; Sheldon Hudson, Trinity Transport; Christine Selzer, Merrill Lynch; Brad Bellacicco, Salisbury Area Chamber of Commerce; Dreanna Ryan, Perdue School undergraduate programs assistant; Tammy Donaway, Perdue School undergraduate programs coordinator; Ray Ruiz, KPMG; Terri Morris, Enterprise Rent-a-Car; April Brilliant, Clear Channel; Roxie Ritchie, Clear Channel; Paul Johnston, Generations Financial; and Dr. Richard Hoffman, Perdue School interim dean. Seated, from left, are Pauline Gehnrich, Peninsula Regional Medical Center; Jayme Riegler, Peninsula Regional Medical Center; Jennifer Poklemba, RSM McGladrey; Jennifer Currie, Women Supporting Women; and Rose Carey, Holly Community.

Direct Mail Advertising

• Target Just Your Audience. • Pay less per response. • Put your message right in their hands! Call Kevin McGraw our Postal Consultant, now!

1-877-4-POHANKA

2011 NORTH SALISBURY BLVD. WWW.POHANKAOFSALISBURY.COM

410-749-1885 • 1-800-356-5923

MAIL MOVERS

112 Moss Hill Ln. Salisbury, MD 21804 www.mailmovers.net

• Graphic Design • Printing • Postage Meters • Mailing


Barometer

Business Journal • June 2009

PAGE 19

Salisbury-Ocean City-Wicomico Airport

Wicomico County Sales Tax Collections by category April ‘09

March ‘09

April ‘08

Food & Beverage

$1,329,728

$1,064,592

$1,009,162

Apparel

$328,769

$260,924

$292,393

General Merch.

$1,801,983

$1,582,907

$1,534,808

Automotive & Oil

$450,310

$379,165

$513,660

Furniture & Appl.

$187,866

$188,705

$301,334

Building Supplies

$555,647

$473,939

$847,410

Utilities & Trans.

$621,060

$640,206

$1,180,263

Hardware & Equip.

$239,501

$212,710

$223,186

Miscellaneous

$546,365

$593,101

$596,770

TOTAL

$6,061,229

$5,396,249

$6,498,986

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

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

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 April ‘09 . . . . . . . . . . . 8,851

-5.8 -13.1 -17.0 -5.0

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 Oct Nov Dec Jan Feb

National

Mar

6.1

6.5

7.1

8.5

8.9

9.0

Maryland

4.8

5.1

5.6

6.7

7.2

7.0

Wicomico

6.0

6.8

7.4

9.1

9.4

9.3

Worcester

7.4

11.2

13.4

16.8

16.4

15.1

6.9

7.4

7.6

9.8

10.3

9.7

Somerset

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

Personalized Gifts Are the Best

Simplified communication management.

Anytime, anywhere.

Visit our new Personalization Center! Our new machinery can add your feelings and logos to a great selection of gifts for all occasions: • Holidays • Anniversary • Weddings • Retirement

In addition, we have hundreds of stock logos and custom options.

Change for the Better … with Unified Communications from Mitel Managing the volume and complexity of communications isn’t an easy task for any business these days. Keeping multiple locations, mobile employees, different devices and demanding customers connected is even harder. But it doesn’t have to be. Change the way your business communicates for the better with Mitel’s Unified Communications solutions. Mitel Unified Communications solutions bring together powerful features like presence management, conferencing, instant messaging and chat – and collaboration tools like document sharing and remote support – to help you communicate. Simply and seamlessly … however and wherever you do business.

With unmatched reliability and scalability, our Unified Communications solutions can improve your overall business performance and help you: • • • •

Increase productivity Enhance customer service Reduce costs Generate more revenue

Change the way you communicate. Put Mitel to work for you. For ways to better manage your communications, visit Telewire Inc. at www.telewire-inc.com, or call 410-749-2355.

Just stop in and see the great selection of gifts we have to offer and talk to us about making your gift …

THE BEST GIFT!

We Now Carry

Trophies Too!


Business Journal • June 2009

PAGE 20

Health

Atlantic Endoscopy anniversary

It has been one year since the Atlantic General Hospital Endoscopy Center’s grand opening, and the facility has seen results far better than originally planned. With the shift to their new location within the Barrett Medical Office Building, the endoscopy program’s outpatient volumes increased from 2,900 in 2007 to 3,200 in 2008. According to NRC Picker, an international healthcare quality measurement agency, Atlantic Endoscopy Center ranks in the top one percent of hospitals in patient satisfaction, with 97 percent of patients giving a top score for their experience. For more information on the Atlantic Endoscopy Center, call 410-629-6800.

PRMC earns recognition

Peninsula Regional Medical Center has earned Quality Respiratory Care Recognition (QRCR) under a national program aimed at helping patients and their families make informed decisions about the quality of the respiratory care services available in United States hospitals. The recognition program was estab-

lished in 2003 by the American Association for Respiratory Care (AARC). Only 700 hospitals, about 15% of all hospitals in the U.S., have earned this award. “This prestigious award is a testament to our highly skilled respiratory therapists and their dedication to our patients and community,” said Michael Hewitt, RRT-NPS, RCP, FAARC, FCCM, director of Respiratory Care, Pulmonary Diagnostics, Sleep & Neurology at PRMC. To qualify, Peninsula Regional was required to meet a stringent set of conditions including that all respiratory therapists employed at the Medical Center to deliver bedside respiratory care are legally recognized by the state of Maryland to provide that care or hold the CRT or RRT credential, and that they be available 24 hours per day. The Medical Center also met the qualification that its respiratory care services are under the medical direction of a doctor of medicine.

Long-term bond rating affirmed

Peninsula Regional Medical Center, the leading provider of health care on the Delmarva Peninsula, announces that

Standard and Poor’s has affirmed its A/ Stable long-term bond rating. The rating is attached to the series 2006 Maryland Health & Higher Education Facilities Authority revenue bonds issued as part of the Medical Center’s $100 million construction and renovation project, which is nearing completion. Despite the challenges facing all Maryland hospitals in fiscal 2010 from a rate reimbursement increase that is projected to be the lowest received in several years, Standard & Poor’s acknowledged that Peninsula Regional is well positioned with historically strong operating performance and solid profitability, generally strong debt service coverage, good liquidity and a modest debt burden. They also credited an excellent 72% market share, growth in outpatient services and a fairly conservative investment policy in a currently volatile market as key contributors to continuing the Medical Center’s A/Stable revenue bond rating. Leadership at Peninsula Regional was also commended for reducing operating costs and creating opportunities for the Medical Center to become more efficient in its delivery of care.

EMPLOYEE OF THE YEAR - Ann Turner of Cambridge, who works in the Education Department at Peninsula Regional, was recently named Employee of the Year at the Medical Center’s annual employee recognition banquet held in conjunction with National Hospital Week. Turner, who is a 27 year veteran of PRMC, was selected from a field of 16 candidates who earned Employee of the Quarter honors in Support Services, Nursing Services, Administrative Services and Professional Services. Turner (right) accepts the sign for her designated parking spot for the next year from Peggy Naleppa, president, PRMC.

ION T A C O EW L brooke

N

od

at Wo

HEALTHY WORKERS, HEALTHY BUSINESS

Flora Glasgow, MS,CRNP, James Burns, DO, Medical Director, Jane Burns, MS, CRNP

We’re Dedicated To Your Employee’s Health Care Needs!

• Workers’ Compensation and Follow-up • No Appointments for Work Injury • DOT, OSHA, Respiratory & Pre-Employment Physicals • Forensic Drug & Alcohol Testing Services • Pre-Employment Instant Drug Testing • Online Test Results

1655 Woodbrooke Drive, Salisbury, MD

410-548-2700 ■ 800-272-7188 410-543-7188 Visible from Business Route 50 heading eastbound Enter from Tilghman Road or Mt. Hermon Road

Senior Citizen Discount Home Medical Equipment Expanded Gift Department

F R E E

Custom Medications Medical Oxygen Home Infusion

PRESCRIPTION DELIVERY

• • • • • • • •

Salisbury Hebron Quantico Fruitland Eden Berlin Ocean Pines W. Ocean City

410-749-8401 Rt. 13 S. & Cedar Lane • Fruitland 410-543-8401 1500 Pemberton Drive • Salisbury 410-641-3130 314 Franklin Avenue • Berlin

“We’re More Than Just A Drugstore”


Business Journal • June 2009

PAGE 21

PRMC honors employees at recognition event

WICOMICO COUNTY - Naleppa joins Wicomico County residents who were honored for 30, 35, 40 and 45 years of dedicated service to Peninsula Regional Medical Center.

Peggy Naleppa, Peninsula Regional Medical Center president, the Board of Trustees, and medical leadership recently recognized 350 employees at an an employee recognition program held recently at the Wicomico Youth and

WORCESTER COUNTY - Naleppa, second from left, congratulates Worcester County employees, Pat Sklar, Catherine Scarborough and Linda Glenn for their years of service. Missing from the photo is Debbie Doukas.

SOMERSET COUNTY - Naleppa, middle, congratulates Somerset County employees, Sharon Malone and Delores Spence for their years of service. Missing from the photo is Debra Jackson.

Civic Center as part of National Hospital Week activities. Employees with anniversary dates in 2009 of 5, 10, 15, 20, 25, 30, 35, 40 and 45 years of service were recognized and account for 4,810 years of service.


Business Journal • June 2009

PAGE 22

HORSES HELPING WOMEN - Salisbury Area Chamber of Commerce Foundation President, Wesley Cox, recently presented a check to Sue Revelle, Women Supporting Women, and Heather Gates, Green Gate Farm, in support of “Horses Helping Women”, an Equine Assisted Learning (EAL) Program empowering women affected by breast cancer.

RIBBON CUTTING - Surrounded by Food Lion staff, customers, Chamber ambassadors and board members, Jim Hastings, manager of the Food Lion in Pennington Commons, accepts a ribbon cutting plaque from Chip Bertino, president of the Ocean Pines Area Chamber board of directors. The ribbon cutting ceremony was followed by the drawing of the winning ticket for the ‘Fee Free Year In the Pines” Raffle, an annual fundraiser for the Chamber. Congratulations to winner Martha Kellogg of Ocean Pines and Yolanda Weinmann, winner of the $20 gift certificate donated by Food Lion.

The Farmers & Planters Co. FARM - FEED - SEED - LAWN - GARDEN - WILDLIFE

Rt. 50 & Mill Street

Salisbury, MD 21801

410-749-7151 Phone www.farmersandplanters.com

Founded 1894

Southern States Feed & Seed:

Triple Crown * Legends * Reliance

Lime * Fertilizer * Pro Mix Fescue * Bird Seed Veg Seed * Dog & Cat Food Animal Health * Shavings Water Conditioning Salt Fencing * Gates

Southern States Dealer

RIBBON CUTTING - The Original Smith Island Cake Company in the Ocean City Factory Outlets recently held an open house and ribbon cutting ceremony. Ocean Pines Area Chamber of Commerce members, ambassadors and board members enjoyed samples. Surrounded by customers, family and members of the Ocean Pines Area Chamber, Rebecca Carbaugh prepares to cut the ribbon as Cara Konlian, Abby Wulff and Rachel Markarian, owners and staff of The Original Smith Island Cake Company assist.

RIVERWALK CLEANUP- Five staff members from the Wicomico Public Library gathered after work recently to participate in the Chamber’s ongoing Riverwalk Cleanup program. Sue Rekart headed the Library team and took a picture of her co-workers gathering to begin the task. Pictured from left are Kay Crouch, Vicki Greene, Linda Parry and Charlotte Hotton. The Beautification Committee of the Chamber extends a big thank you to these ladies for their willingness to make a difference in the cleanup along the banks of the river and Riverwalk Park.


Business Journal • June 2009

Personnel File

Core joins PNC Bank

Michelle Core has joined PNC Bank as vice president in the Retail Banking Division. As sales integration manager, she will provide coaching and leadership to the retail branch teams on the Lower Shore. Before joining PNC, Core was a financial center leader, Core vice president at BB&T Bank in Salisbury. Core is a graduate of Maryland Banking School. She graduated Towson University with a bachelor of science degree in business administration with a concentration in finance. She serves on the board of Junior Achievement of the Eastern Shore and resides in Salisbury with husband, Bob, and son, Gavin.

ERA Martin names top agents

ERA Martin Associates held its quarterly awards luncheon recently at “The Table,” in the Fountains. The luncheon celebrates the best producing agents for the first quarter. The top agents for the quarter gathered with broker Bill Martin and company vice president Helen Butler to discuss marketing initiatives and strategies for the second quarter. The top agents for the first quarter were Dick Baker, Joni Martin, John Robinson, Donna Hoy and Jim Mutschler. Together, the top five sold over $1 million. ERA Martin Associates also held a special sales meeting recently and announced the sales statistics for April. According to Bill Martin, broker/owner of ERA Martin, April was higher than any month in the last 12 months. With 52 units sold, the company expects continued improvement in the real estate market. The combination of low prices, plentiful inventory, the lowest fixed interest

PAGE 23

rates in history and the $8,000 housing tax credit, make this a unique opportunity for home buyers.

Gray appointed as trustee

SU Bookstore Director Lisa Gray has been installed as a new trustee on the board of directors of the National Association of College Stores (NACS) Gray earned certification as a college retailer from NACS in 2005. She joins nine other trustees from higher education inKaslova stitutions throughout the United States, as well as partners such as Barnes and Noble College Booksellers. As a trustee, Gray helps provide governance for the association’s members and assists the organization in its mission of enhancing college stores through education, advocacy and the use of new technologies. An active member of NACS, she has served on the nominating, state/regional and foundation fundraising development committees.

Kazlova passes CPA exam

PKS & Company, P.A., Certified Public Accountants and Advisors to Business, announces that Ms. Svetlana Kazlova has passed the CPA exam and earned a master’s in business administration. Kazlova has passed all parts of the CPA exam, including the Ethics exam and is awaiting receipt of her admission and certificate from the State of Maryland. At the same time she was studying for the CPA exam, Kazlova was completing her MBA program at Wilmington University and received her degree in January 2009. She also holds a B.A. in accounting, with a minor in finance, from Wilmington University and lives in Ocean City with her daughter, Nadeen S. Hassanein.

From left are Clifford M. Kendall, chair of the University System of Maryland Board of Regents; Dr. Janet Dudley-Eshbach, Salisbury University president; Dr. Michael Bardzell, faculty in Salisbury University’s Mathematics and Computer Science Department; and Dr. William E. Kirwan, chancellor of the University System of Maryland.

Dr. Bardzell honored by state Dr. Michael Bardzell of Salisbury University’s Mathematics and Computer Science Department has received the highest faculty honor given by the University System of Maryland: the Regents Award for Excellence in Teaching. In January, he was one of only three educators nationwide to receive the Mathematical Association of America’s prestigious Deborah and Franklin Tepper Haimo Award for Distinguished College or University Teaching of Mathematics. In 2007, he received the MAA’s regional teaching award and two SU appreciation awards. Bardzell is known for engaging students with lighthearted humor coupled with in-depth exploration of research topics. SU alumni have high praise for their former professor and mentor. Colleagues have said they are inspired by his teaching. During his 12 years at SU, Bardzell has taught some 25 graduate and undergraduate courses. He strongly

encourages undergraduate research, assisting students in exploring subjects from physics and engineering to pure mathematics and group theory. Almost every year, his students present at the National Conference on Undergraduate Research (NCUR). A recipient of SU’s Distinguished Faculty Award in 2001, he has played an integral role in the establishment of the Undergraduate Research Conference on campus. Outside the classroom, Bardzell was a longtime advisor to SU’s Math Club and helped students establish a chapter of Pi Mu Epsilon, the national mathematics honor society. Locally, he helped develop summer geometry courses, a Real World Mathematics professional development program and an algebra workshop for middle school teachers. He also serves on the MAA’s Classroom Resource Materials Editorial Board. Bardzell earned his Ph.D. in mathematics from Virginia Tech in 1996.


Business Journal Journal •• June Business June 2009 2009

PAGE 24

Name

Contact

Business Journal Directory Phone

Fax

Website

Email

ADVERTISING Comcast Spotlight Stephanie Willey 410-341-8950 410-341-8980 comcastspotlight.com stephanie_willey@ 1201 Pemberton Dr., Suite 2B, Salisbury, MD 21801 cable.comcast.com _________________________________________________________________________________________________________________________________________________________________________ ARCHITECTS & ENGINEERS Andrew W. Booth & Associates, Inc. Matthew Smith 410-742-7299 410-742-0273 awbengineers.com msmith@awbengineers.com 1942 Northwood Dr., Salisbury, MD 21801 Debbie Bailey dbailey@awbengineers.com _________________________________________________________________________________________________________________________________________________________________________ Davis, Bowen & Friedel Michael Wigley 410-543-9091 410-543-4172 dbfinc.com mrw@dbfinc.com One Plaza East, Suite 200, Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ Dicarlo Precision Instrument & Dicarlo Precision Imaging John Dicarlo 410-749-0112 410-749-9323 dicarlo1.com john@dicarlo1.com 2006 Northwood Dr., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ George, Miles & Buhr, LLC Michelle Everngam 800-789-4462 410-548-5790 gmbnet.com meverngam@gmbnet.com 206 W. Main St., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________

AUTO PARTS Eden Used Auto Parts George Glovier 410-749-5116 410-742-3930 eden11@comcast.net 14661 Merser Rd., PO Box 43, Eden, MD _________________________________________________________________________________________________________________________________________________________________________ BUILDERS Bud Esham Homes Bud Esham 410-742-1364 410-742-0164 budeshamhomes.com quality@budeshamhomes.com 5966 Williamsburg Pkwy., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________

Ruark Builders Connie Ruark, Sleepy Hollow 410-677-3835 410-860-4875 ruarkhomes.com cruark@ruarkhomes.com 4920 Snow Hill Rd., Salisbury, MD 21804 Barbi e Hannemann, VP 410-749-0193 410-860-4875 bhannemann@ruarkhomes.com _________________________________________________________________________________________________________________________________________________________________________ COMMERCIAL BROKERAGE Rinnier Commercial Blair Rinnier, CCIM 410-742-8151 410-742-8153 rinnier.com bmail@rinnier.com 218 East Main St., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ DINING/CATERING Market Street Inn Stephanie Bellacicco 410-742-4145 410-742-3687 marketstreetinnsalisbury.com sbellacicco@marketstreetinn 130 W. Market St., Salisbury, MD 21801 salisbury.com _________________________________________________________________________________________________________________________________________________________________________ EMPLOYMENT AGENCY Manpower, Inc. Darlene Smyser 410-742-8861 410-742-9384 us.manpower.com salisbury.md@na.manpower.com 24 Tilghman Rd., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ FINANCIAL Shore Bank Rick Mathews 410-548-7125 410-548-1688 shorebank.com customerservice@ShoreBank.com 100 W. Main St., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ The Bank of Delmarva Robert D. Core 410-548-5670 410-742-9588 bankofdelmarva.com bob@bankofdelmarva.com 2245 Northwood Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ Merrill Lynch Robert G. “Bob” Anderson 410-860-2781 410-860-5066 fa.ml.com/bob_anderson bob_anderson@ml.com 224 E. Main St., Suite 1, Salisbury, MD 21801 800-416-8017 ________________________________________________________________________________________________________________________________________________________________________ GLASS

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

Allstate Insurance Fred Pastore 410-860-0866 410-860-0869 allstate.com/fredpastore fredpastore@allstate.com 111 Naylor St., Salisbury, MD 21804-4333 ________________________________________________________________________________________________________________________________________________________________________ Atlantic/Smith, Cropper & Deeley Laura Deeley Bren 410-835-2000 410-835-2036 ascd.net lbren@ascd.net 7171 Bent Pine Rd., Willards, MD 21874 ________________________________________________________________________________________________________________________________________________________________________ Avery Hall Insurance Group Kevin Hayes 410-742-5111 410-742-5182 averyhall.com khayes@averyhall.com 308 E. Main St., Salisbury, MD 21801 Bus., Life, Personal, Health ________________________________________________________________________________________________________________________________________________________________________ Gamee Elliott Gamee Elliott 410-749-4725 410-749-4175 statefarm.com gamee.elliott.bvm6@statefarm.com 923 Eastern Shore Dr., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________

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

INSURANCE Landmark Insurance & Financial Group Charles McClenahan 410-651-2110 410-651-9288 landmarkinsuranceinc.com charlie@ 30386 Mt. Vernon Rd., Princess Anne, MD 21853 888-651-2111 landmarkinsuranceinc.com ________________________________________________________________________________________________________________________________________________________________________


Business Business Journal Journal •• June June2009 2009

PAGE 25 25 PAGE

Performance-enhancing drugs are illegal and very dangerous By Waheed Aziz

With the urge to get an edge, young athletes are tempted by the “promise” of performance-enhancing drugs. Even kids in middle school are trying them. Are they following in the footsteps of their professional sports role models? Performance-enhancing drugs carry big risks for both men and women. Many are illegal and all can cause side effects. Some are serious or permanent. You’ve probably heard the most about anabolic steroids. Maybe that’s because about 3 million people use them. Ten percent are teens. Athletes are attracted to them because they can increase muscle mass, improving strength, allowing tougher training and shortening recovery time. But most professional and amateur athletic organizations ban them. Anabolic steroids are a synthetic version of testosterone. You can take them as tablets, patches, gels or injections. These are common brand

Name

names: THG, Turinabol, Dianabol, Worried about the steroids your Android, Durabolin and Oxandrin. doctor prescribed for you? No need to Doctors sometimes prescribe them be. Anabolic steroids — sometimes for men who have very low levels of called ‘roids, hype, pump, or juice testosterone, or for people with muscle —are very different from corticosterwasting or rare types of oids, the type of steroid anemia. used to treat condiBe sure to Without a pretions such as asthma scription for condihave a heart to heart or arthritis. tions like these, Stimulants (Dextalk with your teen though, anabolic steedrine, Ephedra, about performance- Sudafed or cocaine) roids are illegal. enhancing drugs. and diuretics (DiWorse, they can And pay attention to amox, Marazide or cause liver problems, increase blood chothe products he or Aldactone) are two lesterol, and lead to other types of drugs she buys. aggressive behavior that are also comor depression. monly used by athletes. If users share needles, they also inBoth have too many side effects to crease their risk of getting HIV, hepalist. Over-the-counter (OTC) suppletitis or other diseases. ments are also popular products used Teens are likely to become depento enhance performance. But the Food and Drug Administration (FDA) dent on anabolic steroids, which may doesn’t regulate them. also stunt their growth. Men can deCreatine is an example of a supplevelop large breasts, baldness, increased ment used by more than 5 percent of acne or shrunken testicles. Women can develop male traits, such as deeper middle school and high school students — but often at dosages four to voices or increased body hair.

Contact

six times what is recommended. Are they safe? That’s very questionable. Gastrointestinal side effects are common. High doses can cause kidney, liver or heart problems. The long-term impact on children and teens is unknown. Be sure to have a heart-to-heart talk with your teen about performanceenhancing drugs. And pay attention to the products he or she buys. Do you have questions or are you having trouble getting through to your child? A pharmacist can help. Call it an old-fashioned idea. But a healthy diet, skill, professional guidance, a lot of grit, and hard work are the best combination for making great strides in sports. Taking short cuts to strength and stamina with performance-enhancing drugs is nothing short of cheating. About the author Waheed Aziz is the owner of Mt. Hermon Discount Health Mart Pharmacy in Salisbury.

Business Journal Directory

Phone

Fax

Website

Email

INSURANCE Paulette Arnsparger, Allstate Insurance Co. Paulette Arnsparger 410-677-4774 410-677-4776 allstate.com/12697 PArnsparger@allstate.com 501-C East Naylor Mill Rd., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________

PRINTING Delmarva Printing, Inc. Don Hitchens 410-912-0980 410-912-0984 delmarvaprinting.com don@delmarvaprinting.com 2110 Windsor Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ Dicarlo Digital Center. Joey Dicarlo 410-749-9901 410-749-9885 dicarlodigitalcopycenter.com joey@dicarlo1.com 109 South Division St., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________

REAL ESTATE Coldwell Banker Melissa Lear 410-543-4545 410-543-9609 cbmove.com/melissa.lear mlear@cbmove.com 1131 S. Salisbury Blvd. Suite B, Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________

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

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

To advertise your business in the Business Journal Directory Call 410-740-0144 or Email: erantz@mspublications.com


PAGE 26

BayRunner Shuttle adds service

BayRunner Shuttle, the only scheduled ground service provider to the Eastern Shore, celebrated its fourth anniversary on May 1. Having recently carried its 35,000th passenger since beginning Salisbury to BWI shuttle service in 2005, BayRunner has expanded its schedule with a late evening offering from BWI to Easton, Cambridge and Salisbury. BayRunner operates daily with scheduled service every two hours from 5:20 a.m. through 12:30 a.m. Reservations should be made at least 24 hours in advance at 410-912-6000, 410-8225444 or online at www.bayrunners.com.

Brewery opens in Delmar

Wesley Cox, CCIM of Sperry Van Ness - Miller Commercial Real Estate, recently negotiated the lease for a new micro-brewery located in the former IGA store in Delmar, Del. Evolution Craft Brewery is a fullproduction boutique starting with their three original beers – Primal Ale, Exile ESB and Lucky 7. Owner’s Tom and John Knorr are also distributing their microbrew throughout several restaurants in Maryland and in their restaurants at SoBo’s Wine Bistro, the Red Roost and Boonies. They will be ready to distribute their product throughout the Mid-Atlantic region in late summer. For more information about Sperry Van Ness - Miller Commercial Real Estate or to preview their available properties, call Wesley at 410-543-2421 or visit www.SVNmiller.com.

Macerich joins green revolution

The Centre at Salisbury has joined the “green” revolution. Property Manager Marvin Snyder and Operations Manager Steve Foster report that property owner Macerich, one of the nation’s leading shopping center developers and operators, is actively conserving resources while supporting its own business goals, all in order to ensure a healthy environment for employees, retailers, shoppers and communities. Some of the practices are simple: using eco-friendly cleaning and maintenance products; recycling paper, newspaper, plastic bottles, cardboard and fluorescent lamps in company offices; relying on natural light from skylights so lighting can be reduced in common areas during the day; and providing cardboard recycling bins for retailers. Some involve modest expenditures, such as installing motion sensors in office and equipment rooms so that lights are on only when in use. Other changes implemented last fall have reduced electrical consumption by 36 percent. The Centre is also reaching out to the public with such efforts as providing the

Business Journal • June 2009

Business Mix

Easter Bunny with books on recycling to give to children and holding two E-Recycle events in conjunction with Delmarva Recycle. Sales of “Give Green” American Express branded gift cards, introduced in October 2008, benefit American Forests, the nation’s oldest nonprofit citizen conservation organization. So far the program has raised $55,000.

Kraus acquires complex

John McClellan, CCIM, senior advisor with Sperry Van Ness – Miller Commercial Real Estate in Salisbury, announces the sale of 503 S. Maryland Ave. in Delmar, to Kraus Development. The property contains a variety of warehouses ranging in size from 6,375 sqf. to 50,000 sqf., offering a variety of loading configurations, office space and ceiling heights. The complex will be marketed for lease by Karen Cherry and John McClellan, CCIM. Kraus Development is a subsidiary of The Leonard Kraus Company, a Baltimore-based contractor specializing in the installation of commercial drywall, metal studs and acoustical ceilings. This acquisition represents the third property owned by Kraus in Wicomico County. Other properties include the Kraus Business Center on Shipley Drive in the Northwood Industrial Park and a site planned for future development in Westwood Commerce Park. For more information, contact John McClellan at 410-543-2428 or visit www.SVNmiller.com.

MCE exceeds $1m in loans

Micro-business assistance agency Maryland Capital Enterprises, Inc. (MCE) recently surpassed the $1 million mark in loans approved to assist small businesses on the Shore. The Salisbury-based firm has been assisting micro-business in Maryland’s Eastern Shore since 1999. “We approved twice as many loans last year than we have in any one year that we have operated,” said MCE executive director Hayley Gallagher. “We have also assisted more than twice the number of businesses during the last year, thanks to increased funding and additional staff.” MCE is a non-profit 501(c)(3) micro-business assistance organization that provides business counseling, training, technical assistance and loans to small businesses on Maryland’s Eastern Shore that have limited or no access to capital. “We are seeing more demand as loans from banks have become more difficult to get and the economy has worsened,” said MCE board chairman Joe Morse. “We are anticipating more funding as Stimulus funding reaches the local level.” For more information on starting a small business or receiving assistance,

call 410-546-1900 or visit www.marylandcapital.org .

“Pohanka Pays It Forward”

Safe Haven Animal Sanctuary has strived to provide a safe and caring environment for homeless, neglected, abused and orphaned cats and dogs in Sussex County, Del. The shelter relies heavily on the charitable contributions of the greater Delmarva community. With the economic downturn, the list of regular benefactors of Safe Haven Animal Sanctuary has slowly dwindled. With Pohanka Automotive Group’s new “Pohanka Pays It Forward” sales incentive program, the shelter may get some help. The Pohanka Automotive Group will make a $100 donation to the charity of the customer’s choice for every new or pre-owned vehicle sold.

Rommel’s Ace Seniors Day

Rommel’s Ace Hardware stores reminds customers age 55 and up, they can save 10 percent on their purchases every Wednesday. All 12 of Rommel’s ACE stores offer this special discount: Exmore and Chincoteague, Va.; Cambridge, Ocean City, Salisbury, Perry Hall, Severna Park and Stevensville; as well as Millsboro, Seaford, Selbyville and Dover, Del. Seniors can also sign up for the ACE Rewards card, allowing them to save even more money throughout the year. For more information, visit www.rommelsace.com.

Senter attends conference

Justin Senter, owner of Monitor Closely.com - Delmarva, recently attended the International Security Conference and Exposition (ISC) in Las Vegas to see the latest in technology and products from over 1,000 companies serving the physical security industry. MonitorClosely.com - Delmarva is entering its third year of operation on the shore. For more information, call 410-546-0046.

SONIC opens in Fruitland

The first Maryland SONIC Drive-In opened for business recently on May 19. The drive-in is located at 415 N. Fruitland Blvd. in Fruitland. SONIC has been America’s favorite drive-in for more than 50 years. SONIC serves a variety of made-to-order menu items with the full menu available all day. Customers park in their own drivein stall and push a red button on the menu board to place orders from their car. Carhops deliver orders to customers who are in their cars or sitting on the patio, and SONIC even has its very own radio network customers can enjoy while at the drive-in. SONIC started as a hamburger and root beer stand in 1953 in Shawnee,

Okla., called Top Hat Drive-In, and then changed its name to SONIC in 1959.

Telewire enhances applications

Telewire has enhanced its audio and web conferencing applications through its strategic partnership with ConferTel, an innovative provider of teleconferencing solutions. Telewire will offer ConferTel’s Virtual Attendant @ Your Service, a full-featured conferencing service offering operator-assisted functions at ‘reservation-less’ pricing and i-Present Pro, an affordable service for conducting everyday web meetings. Virtual Attendant can greatly increase the effectiveness and professionalism of conference calls. Attendance reports and recordings are available immediately following each call. i-Present Pro is a low cost, easy to use tool which enables presenters to share anything on their computer with their participants.

Tilghman Oil launches service

Tilghman Oil Company has identified a solution to the common problem of contamination of petroleum products left standing in fuel tanks, generators and boats. The new fuels we are required to use, while more environmentally friendly, are more easily affected by water, sludge and algae. Also older tanks need to be checked for contaminants such as rust. USA Fuel Services creates a custom and affordable maintenance plan to insure when you need fuel, emergency power, or heat your tank contains clean usable petroleum. The service includes a certified test to determine baseline fuel conditions with semi-annual follow-up testing, removal of sludge from tanks with disposal of the waste, purification of stored petroleum products, and will chemically clean the entire fuel system. Programs are available for all types of fuel and storage operations across Delmarva. For more information, call Bryan Brushmiller at 410-742-2105.

Rommel’s Ace helps WSW

Rommel’s Ace Hardware stores across Delmarva spotlighted Women Supporting Women and their fight against breast cancer during the month of May. At the halfway point, $3,500 was raised thanks to generous customers at the 10 hardware stores. 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. For more information, visit www.womensupportingwomen.org.


Business Journal • June 2009

PAGE 27

Cancer Institute earns award The Richard A. Henson Cancer Institute at Peninsula Regional Medical Center was recently granted the 2008 CoC Outstanding Achievement Award from the Commission on Cancer (CoC) of the American College of Surgeons. The Richard A. Henson Cancer Institute is one of only 95 cancer programs nationwide, one of four in Maryland and the only program on the Eastern Shore of Maryland to receive this prestigious recognition. Only 19 percent of programs nationwide (representing 23 states) received this award as a result of surveys performed in 2008. Established in 2004, the CoC Outstanding Achievement Award was designated to recognize cancer programs that strive for excellence in providing quality care to cancer patients. In an on-site evaluation by a physician surveyor, the Richard A. Henson Cancer Institute not only met the basic standards, but it excelled in seven areas where Commendation was awarded. These standards represent the full scope of the cancer program - cancer committee leadership, cancer data management, clinical services, research, community outreach and quality improvement. In addition, the

Thomas DeMarco, MD, chairman of the Cancer Committee at Peninsula Regional, accepts the 2008 CoC Outstanding Achievement Award on behalf of the Richard A. Henson Cancer Institute.

Richard A. Henson Cancer Institute was found to be in compliance with the remaining 29 cancer program standards. Accreditation by the CoC is

Take the stress out of your therapy

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

PUSEY SCHOLARSHIP - Students from Wicomico County attending Wor-Wic Community College will benefit each year from $10,000 in scholarship awards from the Elizabeth Brittingham Pusey Scholarship Fund at the Community Foundation of the Eastern Shore. The scholarship awards will be made in perpetuity from the fund and are made possible from a bequest from the late Mrs. Pusey to the Foundation. From left are Dr. Spicer Bell, Community Foundation president; and Dr. Ray Hoy, Wor-Wic College president.

given only to those facilities that have voluntarily committed to providing the highest level of quality cancer care and

that undergo a rigorous evaluation process and review of their performance every three years.

BusIness Owners and selF emplOyed

Increase Financial Gains!

Each year we help our clients locate and recover millions of dollars in expenses. Office Lease Auditing - Over 80% of commercial tenants are found to be overcharged

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 Aerobics • Personal Training Pool & Gym Memberships

Cost Segregation Services - Accelerate and increase depreciation by segregating real and personal property

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

www.aquacarerehab.com

Call me today for a free analysis! Wayne Borrmann

Business strategist

410-742-1904

SaliSbury, MD Wayneborrmann@verizon.net www.amCorpFinancial.net


PAGE 28

Business Journal • June 2009

Salisbury Festival

Festival goers had the opportunity to enjoy the many local artisans and live entertainment at “Arts on the Plaza.” Items from various vendors included handmade pottery, jewelry, paintings and drawings, and much more.

The festival offered fun for every age group! Children got to enjoy the many carnival rides offered Friday through Sunday.

When Quality & Reliability Matter COPIERS • COLOR COPIERS • FAX LASER PRINTERS • SALES SERVICE • LEASING • RENTALS

Image RUNNER

TM

Automated Copy Systems, Inc.

410-749-6251

608 B Naylor Mill Rd Salisbury, MD The Salisbury Festival Kick-Off Golf Tournament was held on April 22 at Green Hill Yacht & Country Club. Participants enjoyed a day of golf followed by a barbecue and numerous raffle prizes and giveaways. Photos by Hollie Marino

www.autocopysystems.com


Business Journal • June 2009

PAGE 29

Local dignitaries, Chamber board members, and newly elected Salisbury Mayor, Jim Ireton cut the festival ribbon to kick off the weekend’s festivities. The ribbon cutting was followed by the Friday night block party featuring music by Danny Shivers, Wes Davis Band and Moondance. Photo by Emily Rantz

The Friday night and Saturday afternoon block parties, sponsored by Pepsi Bottling Ventures and Aaron’s Sales & Lease, featured great food and music.

Helping people get married since 1853

Clay Tarpley, Salisbury Festival chairman, enjoys the warm weather with one of the costumed characters strolling through the festival.

Looking for something unique? Create your own one-of-a-kind ring by picking the shape and size diamond you want and matching it with one of our many mountings ffrom Tacori, Verragio, Simon G. or our own Signature Kuhn’s collection.


Business Journal • June 2009

PAGE 30

How you can help improve your child’s reading skills By Becky Grinath

Director of Sylvan Learning Center

Reading success starts before a child is two years old. Children who read at home do better in school. The more children read the better readers they become, and they enjoy it! These are all proven facts that we know to be true. Parents can present reading as a positive, interesting and rewarding activity and create regular opportunities to read with their children. Summer is the perfect time to practice these tips. • Set an example. Children are copycats who learn by watching. • Read aloud to your child. Reading to young children nurtures an interest in language and communication. Bedtime stories are an intimate, treasured rite of childhood. When reading to your child, the reading level isn’t as important as the subject matter. Choose a topic that your child is interested in and explain words not understood. • Read along with your child. It lets him or her know that you value reading. Coach beginning readers to help them master letter/sound relationships. Intermediate readers will enjoy taking turns reading. Reading together develops your child’s reading skills and gives

you topics for discussion. • Select age-appropriate reading material. If more than five words on a page stump your child, the book may be above your student’s independent reading level. Books that are too advanced cause frustration. Consult Book Adventure, www.bookadventure.com, to help select something that can be mastered more easily. • Include a variety of reading materials. In addition to books, include children’s magazines and even comic books. Encourage reading aloud from textbooks. This exposure to a variety of different materials provides a well-rounded reading experience. • Reinforce learning through practice. Improve accuracy by encouraging your child to read aloud. Point out missed words and help with sounding them out. Then be sure he or she rereads the whole sentence again for meaning. Use phonics, word structure and context as clues to help decipher unfamiliar words. • Discuss what your child is reading. Ask your child to put the story in his or her own words. Prompt with questions about the characters, places and events in the story. This is how we build reading com-

prehension. Ask about new words and what they mean. • Create reading games. Build vocabulary by starting a “list of words I know” and add to it each week. Set a reasonable goal and plan a reward when the words have been learned and can be used in a sentence. Use homemade flash cards to review required vocabulary. Find age appropriate crossword puzzles and word games to amuse your child. You can even make a game of reading highway signs and count the number of streets, roads, lanes that you pass. • Encourage your child to write his

own story. Children have wonderful imaginations. They can be encouraged to write an original story and illustrate it with their own drawings. And you can photocopy the story to be shared with grandparents. • Know when to ask for help. When your efforts to help your child read better are not enough or if your student can just benefit from academic enrichment, consider a trained, professional tutor who can individualize a structured program specifically for your child. Call Sylvan Learning Center at 410-3414100 to discuss your options.

BURNETT-WHITE TIRE & AUTO CO.

TIRES & SERVICE YOU DESERVE 67 Years Serving Delmarva

412 E. Main St., Salisbury, MD

410-742-2222 www.burnettwhite.com

From Farming to Finance

We’re all business. msbusinessreport.com | 302.629.9788


Business Journal • June 2009

PAGE 31

STORM COMPETES - Nor’Eastern Storm, a Cheer and Dance Gym located at Crown Sports Center in Fruitland, was represented at the Worlds Competition in Virginia Beach, Va., on May 2-3. All five teams won a spot to compete against the best of the best on the East Coast. The Tiny’s squad, children 5 and under, won 10th out of 24 teams; Youth won 1st; Juniors took 6th out of 7; Seniors, Senior Level 3 Small Gym Open, won 5th out of 15; the Youth Hip Hop Team won 10th out of 13; and the Senior Open Hip Hop Team won 6th out of 9 teams. The Seniors also won the title of Grand National Champions during Jamfest Nationals in Richmond, Va. on April 18-19.

MOBILE PLANETARIUM - Recently more that 270 students at Westside Primary School in Quantico participated in a special presentation of One World, One Sky: Big Bird’s Adventure, a planetarium show sponsored by PNC Bank as part of its Grow Up Great with Science initiative. Inside a 20 x 20 portable dome, the students traced constellations and followed the adventures of Sesame Street characters as they explored cultures and traveled to the moon. The presentation provides an age-appropriate introduction to astronomy and encourages positive attitudes toward science.

The Maryland State Board of Education has denied the request of three Maryland counties to waive the Maintenance of Effort funding requirement. Wicomico, Montgomery and Prince George’s counties all appealed to the State Board of Education last month. Wicomico County Executive Richard M. Pollitt Jr. responded to the decision with the following statements. “By denying Wicomico County’s request

much as 10 percent, is not in a position to fund the Board of Education to the extent necessary to meet the State’s demands. In fact, our appeal to them was our last resort. For a body which has as its only purpose to support and encourage a high-quality learning environment for our schoolchildren, the State Board’s actions are inexplicable. “That being said, I am determined to see that Wicomico’s schoolchildren are

Board of Ed denies a request to waive funding requirement for a waiver from the State-mandated Maintenance of Effort standard; indeed by denying all of the requests before them, the State Board of Education has carelessly and irresponsibly put millions of dollars in essential State funding for local schools at risk. “We made it clear to the Board in our appearance in Baltimore that Wicomico County, after requiring nearly all of our departments to slash their budget requests by as

not made to suffer for the lack of the State’s ability to recognize the reality in the field from their high-rise offices in Baltimore. We will immediately renew our discussions with the County Board of Education and impress upon them that they must now find, from within their department, the means to reach the MOE standard if we are to save over $4 million in available State funds. I have every confidence that we can do it.”


PAGE 32

Pinkett speaks to UMES grads

Dr. Randal Pinkett was the keynote speaker at the 2009 spring commencement ceremony at UMES on May 15. Some 370 students received their degrees. Pinkett is co-founder, chairman and CEO of BCT Partners, a multimillion dollar manageDr. Pinkett ment, technology and policy consulting firm based in Newark, N.J. Pinkett has been featured on nationally televised programs as well as in Parade magazine, The New York Times, The Washington Post and The Boston Globe. He has appeared on “The Apprentice” as a boardroom advisor and is a regular segment host for “CEO Exchange” on PBS. Also attending the ceremonies were Rilous Carter, vice president of Disney’s Hollywood Studios in Florida; Neil M. Meltzer, president and CEO of Sinai Hospital of Baltimore, Md., and senior vice president of Life Bridge Health; Stephen L. Powell, president and CEO of Powell Steel Corporation in Lancaster, Pa.; Ellis M. Stanley Sr., director of western emergency management services for Dewberry, LLC in Los Angeles, Calif.; and Dr. Darlene F. Williams, general deputy assistant secretary in the Office of Administration for the U.S. Department of Housing and Urban Development. Carter, Ellis and Williams received honorary doctor of public service degrees, and Powell and Meltzer received honorary doctor of science degrees. In addition, the title “professor emeritus” was conferred upon Dr. Richard C. Keenan, former chair of and professor for the Department of English and Modern Languages, in recognition of his years of distinguished service to the university. Keenan retired in 2007, after nearly 35 years of service.

Students get interview help

It is not easy for a high school student to stand in front of a group of strangers and make a case for why she or he deserves a scholarship. But James Gillespie of Salisbury, who managed to fund his college education with more than 17 scholarships, talked 13 local high school students into practicing for just such an interview recently at a workshop sponsored by the Delmarva Education Foundation (DEF) and the Salisbury Rotary Club at the Community Foun-

Business Journal • June 2009

Education dation of the Eastern Shore. Gillespie, who earned a BA in Music from Salisbury University, now serves as the executive director of the Salisbury Wicomico Arts Council, a non-profit organization that funds, promotes, and advocates for the arts in Wicomico County. The workshop included presentations by DEF staff on college preparation strategies and how to use DEF’s Financial Aid Clearinghouse, which is a free, online, searchable database of potential sources of funding for education, including local dollars earmarked for local students. After the DEF presentations and a first chance at a mock interview to compete for a scholarship, Gillespie coached the students to make their cases more compelling, gave each a second try in the interview situation, and provided individual consultations after the workshop. Gillespie set a registration “fee” for the workshop of at least 10 canned goods to benefit the Maryland Food Bank.

Foundation helps raise money

The Tom Joyner Foundation, a major driving force in raising money for historically black colleges and universities (HBCUs) since 1998, has kicked off an aggressive fundraising campaign for the University of Maryland Eastern Shore (UMES). Individual gifts were made totaling over $10,000 from vice presidents, deans, faculty, staff, students and alumni. The total was added to the $42,500 amount raised before the kickoff. According to the foundation, formed by the nationally syndicated radio personality Tom Joyner, UMES was chosen as part of its on-going effort to assist HBCUs in broadening and strengthening their efforts to raise money to help keep students attending these institutions. As a Tom Joyner Foundation “School of the Month,” UMES will receive funds raised from listeners, alumni and other interested parties during the month of August. The Tom Joyner Morning Show, which airs in 115 markets around the country and reaches nearly eight million listeners every week, will promote the university and award scholarships to deserving students. UMES, twice named in the top tier of America’s Best Black Colleges by U.S. News and World Report, began as the Princess Anne Academy in 1886 with one professor and nine students. The school is home to some 4,000 students today.

SU honors two with the annual Community Leadership Award The 2009 President’s Distinguished Community Leadership Awards at Salisbury University go to an individual and to an organization that are household names on the Eastern Shore, synonymous with excellence in service and leadership. Henry H. Hanna, III, who has continued a family tradition of leadership in business, public service and education, is this year’s winner of the individual award. MAC, Inc., which promotes the well-being of an increasingly aging population on the lower Eastern Shore, is this year’s organizational honoree. Both were recognized during Salisbury University’s 83rd spring commencement on May 21, at the Wicomico Youth & Civic Center. “Henry Hanna has an ability to unite people, to bring them together in a common cause, in a positive manner,” said Dave Ryan, executive director of Salisbury Wicomico Economic Development, Inc. A longtime member of SWED, Hanna served on its board for several years, including as president. During times of challenge, “Henry stays calm,” said Ryan. “He gets quieter, more creative and determined, and never loses sight of the goal.” Many other community organizations would say something similar about him, Ryan added. And they do. Officials at the Salisbury Area Chamber of Commerce, the Greater Salisbury Committee and the Community Foundation of the Eastern Shore praise his support. “He has served on several of our committees and has been involved with two of our campaigns, including the most recent that made our current offices and non-profit support center possible,” said Gee Williams, Community Foundation director of development and marketing. A senior advisor of Sperry Van Ness/Miller Commercial Real Estate, an industrial specialist with the Society of Industrial and Office Realtors, and a Certified Commercial Investment Member, Hanna has used his real estate expertise to assist area organizations such as the SU Real Estate Foundation, Coastal Hospice and St. Peter’s Episcopal Church, to which he and his wife, Dara, have family ties.

The Hannas often work in tandem, as with Coastal Hospice, or when they endowed a scholarship for SU legislative interns in Annapolis. Given in memory of Hanna Henry’s father, Henry H. “Buddy” Hanna, the elder Hanna had been a member of the Maryland House of Delegates. The Hannas have also been supportive of the SU Foundation where Henry served as Bradford board president. MAC (Maintaining Active Citizens), Inc. of the Eastern Shore was one of the first area agencies on aging in the United States. Founded in 1972, it operates 15 local senior citizen centers serving Dorchester, Somerset, Wicomico and Worcester counties. Services range from Meals on Wheels (71,000 were delivered in 2008) to dementia day care, wellness centers and exercise programs, to nursing home ombudsmen and investigation, and insurance and Medicare assistance. “MAC serves the elderly who are both healthy and frail,” said Dr. Carolyn Stegman, a member of the MAC board. “It helps the elderly live as dignified as possible for as long as possible.” The growth in the Lower Shore’s elderly population was anticipated by MAC, which has been proactive in providing programs. They range from services for family care givers to re-training for seniorfriendly jobs — a variety of initiatives than help seniors maintain health and independence. Fully 93 cents of every dollar donated to MAC goes directly to programs. It also partners with colleges and universities, helping to raise awareness of elderly needs among younger generations. Through the leadership of Margaret “Peggy” Bradford and the dedicated work of 400 volunteers, MAC is well regarded throughout Maryland. Recently MAC raised $7.2 million for a new 31,000-square-foot senior services center now under construction.


Education

Business Journal • June 2009

PAGE 33

Summer Center Enriches Maryland Arts Students By Robert Smith Director, Maryland Summer Center for the Arts Can storytelling be taught? Is it important for American children to learn about Arabic dance? Does Grease have as much artistic merit as Shakespeare’s King Lear?

Master of Business Administration student Benjamin Bottura (right) of Crespières, France, captured the $5,000 top prize with his business plan for “La Cuisine” - a French “cooking restaurant” in Washington, D.C.

Bottura wins Bernstein Achievement Award For the second year in a row, Salisbury University’s Bernstein Achievement Award for Excellence has gone international. Master of Business Administration student Benjamin Bottura of Crespières, France, captured the $5,000 top prize with his business plan for “La Cuisine” - a French “cooking restaurant” in Washington, D.C. Modeled on a European concept, Bottura designed an alternative dining atmosphere where a chef teaches patrons to prepare healthy French dishes, which they can then enjoy eating. Bottura has dined at similar restaurants in France and Germany. He earned a B.A. in international business from ESC Rennes School of Business in France and graduates from SU’s M.B.A. program in May. “We had two finalists in the food industry and two finalists in the media/ entertainment industry, with common themes of education and giving back to the community,” said William Burke, interim director of the competition, which is sponsored by SU’s Franklin P. Perdue School of Business. Last year, German M.B.A. students Tobias Rosen-

berg and Henry Widera created a recycling plan for Wicomico County and became the first from abroad to capture the award, originally launched in 1987 by local entrepreneur and SU alumnus Richard Bernstein (’76). The 2009 competition had 18 submissions. Runner up was M.B.A. student Ryan Kooy for Chinco Chocolates, a Chincoteague-based gourmet chocolate manufacturer. Honorable mention awards went to political science major Kiya Amajioyi, who owns a video production company in Salisbury, and business major Erik Butler for a Theatrical Warehouse retailer. Judges were Warren Citrin, cofounder of Gloto Corporation in Fulton; James Poulos, vice president of TEDCO in Columbia; Jon Sherwell, administrative vice president and group manager at M&T Bank in Salisbury; and Larry Dernulc, senior vice president of The Bank of Delmarva in Salisbury.

The answers, of course, are yes, yes and yes! That’s what makes the Maryland Summer Center for the Arts (MSCA) such a vital institution. Each year since 1988, the center at Salisbury University has served as a creative outlet for middle and high school students, ensuring they grow up with the cultural knowledge they need to complement the three Rs. Celebrating its 22nd season this year, the center provides classes for some 120 students in music/orchestra, visual arts, musical theatre, digital video production and acting during a two-week residential program July 5-18. Students from across Maryland audition to participate. The result: an immersive atmosphere of arts and culture, including workshops led by professional artists and a chance for students to demonstrate their skills during a culminating performance and art show. Popular statewide, the center attracted students from 21 Maryland counties in 2008. More than 50 percent of our students return for two or more seasons, and an average of 500 friends, family and community members attend student performances and exhibits each summer. Since 1995, roughly 6,000 visitors have been drawn to the center. The Summer Center shares and supports SU’s commitment to the community and has forged strong partnerships with area organizations and businesses. Collaborating since 2001, MSCA and the Salisbury Wicomico Arts Council (SWAC) have co-sponsored seven major performances in Holloway Hall, attracting thousands of patrons. Summer 2008 featured local artists the Folk Heroes and Burke Family Singers. This year the center brings back boogie woogie pianist Daryl Davis, who has performed with such legendary musicians as Chuck Berry and the Coasters. Originally performing during the 2007 Summer Center, Davis plays this year at 7 p.m. Wednesday, July 8, in

Holloway Hall Auditorium. Admission is $18, $14 for seniors and SWAC members, $8 for children 12 and under. Proceeds benefit SWAC. Students also appear in public venues during their residency. Each year Salisbury’s Barnes & Noble Booksellers sponsors orchestra and musical theatre students from the center at in-store performances. Acting students visit the bookstore, offering storytelling. Summer Center students also have been featured at the Baltimore Museum of Art, the Inner Harbor, the Maryland Institute College of Art and Oriole Park at Camden Yards. On Saturday, July 18, center studies culminate in an exhibition and performance by students from 9 a.m.–noon in Holloway Hall Auditorium and the University Gallery of Fulton Hall. The exhibit and recital are free, and the public is invited. These public performance experiences, coupled with the hands-on training Summer Center students receive, have earned high praise from the Maryland State Department of Education. “Students who attend are challenged each and every day, have the opportunity to work with the highest caliber professionals in their chosen artistic field and are exposed to top-notch performances, across disciplines, on a nightly basis,” said Stephanie Zenker, MSDE gifted and talented education specialist. The center has “undoubtedly touched and changed the lives of thousands of young people,” she added. According to Dr. John Smeallie, assistant state superintendent for certification and accreditation, past Summer Centers have “planned and implemented a strong arts program that provides a nurturing environment for students.” We invite the community to view this year’s exhibits and performances, and find out exactly what the Summer Center is all about. For more information, call 410-548-4777 or e-mail msca@salisbury.edu.


PAGE 34

Business Journal • June 2009

Salisbury Wal-Mart donates to Parkside and Wicomico Food Bank

Salisbury Wal-Mart #1890 presented a $3,000 check to the Maryland Food Bank recently. From left are Kevin Fullmer, store manager and Yvonne Terry, director of the Maryland Food Bank Eastern Shore.

Salisbury Wal-Mart #1890 presented a $1,000 check to Parkside High School recently. Parkside won by recycling more than any other school in Salisbury. From left are Kevin Fullmer, store manager, and Steven Grudis, princpal at Parkside High School.

Community Foundation presented the 25th annual Salisbury Award Continued from page one

Salisbury Award, said during the award presentation that the trustees felt the Community Foundation’s approach to meeting community needs with the creation of the “Help Your Neighbor Campaign” in 2008 was especially worthwhile. Using its own funds, the Community Foundation issued a $10,000 challenge match to the community to support an

emergency fund that provides money to local charities that assist families and seniors struggling to meet expenses for basic human needs. The campaign raised a total of $41,760 which is being distributed directly to agencies that help struggling families on the Lower Eastern Shore. The Salisbury Award has been presented 54 times since 1926. Past recipients of the award in-

clude: Fred A. Grier Jr.; Dr. George Todd; Ruth Powell; James M. Bennett; Charles Chipman; Avery W. Hall; Richard Henson; Frank Morris; Sister Mary Elizabeth Gintling; Frank Perdue; Dick Hazel; Sam Seidel; Dave Grier; Dick Moore; Paul Martin; Dr. Nevins Todd; Virginia Layfield and Mitzi Perdue. In recent years the Salisbury Award has been presented to: Ben’s Red Swings (2005); Lewis R. Riley (2007);

and Phillip “Pete” Cooper (2008). The Community Foundation of the Eastern Shore is a charitable foundation dedicated to improving the quality of life for residents of Somerset, Wicomico and Worcester counties by building charitable funds, by maximizing benefits to donors, by making effective grants to nonprofit organizations and by providing leadership in addressing community needs.

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 7 Comcast Spotlight . . 341-8950 Architecture / Engineering 6 AWB. . . . . . . . . . . . . 742-7299 Automobiles & Services 18 Pohanka. . 1-877-4-POHANKA 30 Burnett-White . . . . . . 742-2222 Construction 9 Harkins Builders. . . . 750-2600 10 Southern Builders . . 341-3800 Copiers 28 Automated Copy Systems 749-6251

Farm & Garden 22 Farmers & Planters . 749-7151 Financial 27 AmCorp Mgmt . . . . . 742-1904 36 Bay National Bank . . 334-3636 11 PNC . . . . . . . . . .888-762-6226 31 Shore Bank . . . . . . . 543-2600 Furniture 35 DCL Office . . . . . . . . 758-4387 Health 21 Accurate Optical. . . . 749-1545 20 Apple Discount Drugs 543-8401 27 Aquacare . . . . . . . . . 548-7600 20 Occupational Health. 548-2700 Heating & Air Conditioning 17 Mid-Atlantic Heating. 546-5404

Insurance 5 ASC&D. . . . . . . . . . . 10 Avery Hall. . . . . . . . . 22 HK&T . . . . . . . . . . . . 35 IBS . . . . . . . . . . . . . .

835-2000 742-5111 749-0116 213-8338

15 Premier Planning . . . 546-9725 Jewelry 19 Robinsons . . . . . . . . 546-0817 29 Kuhn’s . . . . . . . . . . . 742-3256 Lodging 13 Courtyard by Marriott 742-4405 Mailing 18 Mail Movers . . . . . . . 749-1885 Paving 9 Chesapeake Paving & Sealing, Inc. . . . . . 742-2330

Real Estate 2 Sperry Van Ness . . . 543-2440 Recreation 35 Ocean Pines Golf and Country Club. . . 641-6057 Screen Printing 23 Chesapeake Screen Printing . . . . 749-7660 Services 8 Peninsula Construction 749-4072 Technology 17 Impact Technology . . 219-3090 19 Telewire . . . . . . . . . . 749-2355 Utilities 23 Choptank Elect. .877-892-0001


Business Journal • June 2009

PAGE 35

AZAR Eye Institute announces affiliation with a new program AZAR Eye Institute (AEI), founded by Dr. Alex Azar, announces that it is affiliating with Glaucoma Specialists of Baltimore in a new program that provides patient care for advanced glaucoma cases. “We are dedicated to assuring patients that we will do everything in our power to preserve their vision,” said Dr. Alex Azar, founder and president of Azar Eye Institute. “According to drug company surveys, The Azar Eye Institute has one of the largest glaucoma patient populations in the Mid-Atlantic region.” While the disease does not discriminate between age, gender or race, statistics show that African-Americans are at four times the risk for glaucoma than other populations. An extensive community of retirees living on the Lower Shore also contributes to the level of advanced glaucoma cases. While most eye care professionals are capable of handling 95% of glaucoma patients, there remains a small percentage that despite all drops and lasers, fail to respond to treatment and require the care of a glaucoma specialist. AEI is enhancing its existing

glaucoma services by welcoming Dr. Amy Hennessy to the Azar practice. She works with Dr. Alan L. Robin, a well-known international glaucoma expert. “For the past several months, Dr. Hennessy has been making trips to Salisbury for scheduled appointments with some of our patients requiring

advanced glaucoma care,” said Dr. Azar. “Beginning in September, Dr. Hennessy will expand the practice to one day each week at AEI and will begin doing surgical cases in the Azar Ambulatory Surgery Center.” Azar Eye Institute is offering this extension of glaucoma services to local eye-care practices across the shore.

Through a partnership, AEI, glaucoma specialists and other local eye doctors will be able to provide the best individualized eye care through local consultations and the co-management of each glaucoma patient. For more information, visit www. azareyeinstitute.com or call 410-5462500.

Ward Museum reconnects kids with nature and science The Ward Museum hosted Mayday: For The Environment, a day of environmental programming for over 200 3rd, 4th and 5th graders from public, private, and homeschools in Wicomico, Worcester, and Somerset County on May 8. Children learned hands-on about topics such as bay diversity, camouflage, recycling, and food chains at stations hosted by Maryland Coastal Bays Program, the Salisbury Zoo, Talbot and Worcester 4-H, Lower Shore Land Trust, Environmental Concern,

and Assateague Island National Seashore. The Lower Shore Land Trust hosted a “Bird Behavior Scavenger Hunt” station, where children were asked to find behaviors displayed by birds on Schumaker Pond. Students at the Assateague Island National Seashore station enthusiastically acted out food chains and determined predator-prey relationships. For more information, visit www. wardmuseum.org.

Kids make recycled paper during Mayday at the Ward Museum.

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

(410)758-4387

Check out our new website!

www.dclofficefurniture.com email - info@dclofficefurniture.com

David and Cosie Metrinko

We do the work...

YOU ENJOY THE BENEFITS! Health & Life Insurance • Employee Benefits Programs

PHONE • 410.213.8338

TOLL FREE FAX • 866.843.6750

11944 Ocean Gateway, Ste. 5 Ocean City, MD 21842

www.ibenefitsolutions.com


PAGE 2

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.

A NDERSON F ENCE C OMPANY

M ARSHALL M ANAGEMENT , I NC .

“In 2008 I searched for a bank to finance an acquisition. I wanted “large bank” capabilities with “local bank” service. I found this middle ground with Bay National Bank. My loan structure and pricing was competitive with the larger banks; yet, I was treated like a local customer. When I requested a lastminute change to my loan structure, Bay National was very nimble and quick to respond. The post-closing transition has been smooth, customer service has been fantastic, and the staff is always friendly and responsive. I highly recommend Bay National Bank!”

“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

|

410-334-3636

®

CREATING A NEW STANDARD IN BANKING

www.baynational.com


Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.