morning star business report

morning star

MARCH 2010

Business ReportOverwhelmed by tax time?We can help.

+EstatE planning

+HiddEn trEasurEgena’s steaks

Business Report | March 2010

We couldn’t be more proud.When it comes to your health, you deserve the best. And, when it comes to Cardiac Care, that means Bayhealth Medical Center.

HealthGrades®,HealthGrades®, the independent healthcare ratings company, ranks Bayhealth #1 in Delaware for Cardiac Surgery and Overall Cardiac Services. Bayhealth has better than expected patient outcomes! Bayhealth is also Five-Star Rated for valve replacement surgery, treatment of heart attack, and treatment of heart failure.

Find out more by visiting www.bayhealth.org.

At Bayhealth ...We’re here for life.At Bayhealth ...We’re here for life.

Bayhealth Is Top-Ranked for Cardiac Surgery!

in Delaware.

2010

We’renumber

XGeorgetown, Delaware

Be a part of itMorning Star Publications is producing the Greater Georgetown Chamber of Commerce 2010-11 edition of the Visitors’ Guide and Membership Directory.

Every visitor and relocation information packet mailed out by the chamber will include this publication. Recruitment efforts by local businesses, school systems and assisted living facilities

include the publication as well. Make sure you’re a part of it.

Members of the Georgetown chamber receive a 10% discount.

Call 302.629.9788 for details or email [email protected] 302.629.9788 for details or email [email protected]


We couldn’t be more proud.When it comes to your health, you deserve the best. And, when it comes to Cardiac Care, that means Bayhealth Medical Center.

HealthGrades®,HealthGrades®, the independent healthcare ratings company, ranks Bayhealth #1 in Delaware for Cardiac Surgery and Overall Cardiac Services. Bayhealth has better than expected patient outcomes! Bayhealth is also Five-Star Rated for valve replacement surgery, treatment of heart attack, and treatment of heart failure.

Find out more by visiting www.bayhealth.org.

At Bayhealth ...We’re here for life.At Bayhealth ...We’re here for life.

Bayhealth Is Top-Ranked for Cardiac Surgery!

in Delaware.

2010

We’renumber


[contents] 03/10

07 CHAMBER NEWS

13 BUSINESS TAXES You get what you pay for. BY CAROL KINSLEY

18 HIDDEN TREASURES CAROL KINSLEY discovers gena’s Steaks

17 INVESTING Make your estate plan disaster-proof BY JOY SLABAUGH

11 SOCIAL MEDIA the dSCC is hosting a panel discussion on how to utiize social media

20 HEALTH REPORT

24 BUSINESS LICENSES

25 BUSINESS DIRECTORY

27 SERVICE DIRECTORY9

20

4


(302) 436-4800On the web at AACompanies.com

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Visit us at waterfurnace.com

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For more than 20 years, A&A Air Services has been Delmarva’s first choice for geothermal solutions! Call us today for a free, no obligation energy analysis to learn how you can benefit with a new WaterFurnace system in your home.

Mention this ad for details on a FREE Aprilaire® Model 5000 Electronic Air Cleaner and our special financing.

Janet Mitchell, along with her hus-band, Jim, operate Woodside Farm Creamery, a successful small farm in Hockessin that serves homemade ice cream made with milk from the farm’s herd of Jersey cows.

In addition, Mitchell is a small-animal veterinarian in a busy suburban practice. Thus, Mitchell knows more than a little about ag business.

Nonetheless, she says she’s eager to take part in “Annie’s Project,” a national program that teaches female entrepre-neurs about agriculture-related business. The program was recently unveiled in Delaware by the University of Delaware Cooperative Extension.

“Annie’s Project began as a way to empower farm wives,” says Anna Stoops, the Cooperative Extension agri-cultural agent for New Castle County. “It was designed for women who work with their husbands on family farms to help take them to the next level of knowledge. But the program is equally appropriate for those who have never been a part of agriculture but would like to be.”

The eight-week series, which will be offered in Sussex and New Castle coun-ties, gives women an overview of the ins and outs of ag business, focusing on five key area of risk management: pro-duction, marketing, financial, legal and human resources.

Stoops knows something about strong farm women from watching her grand-mother and mother work on her family farm’s in Smyrna. Her mother, Helen Armstrong, continues to operate that farm today with husband, Larry.

“Growing up, I saw my grandmother, and then my mother, make important decisions about the direction of the farm and serve as equal partners in the business,” says Stoops. “In particular, I recall how my mother was the driving force behind a change in strategic direc-tion from lamb to beef production sev-eral decades ago. That decision turned out to be a very profitable one.”

Helen Armstrong will be one of the guest speakers at the eight-week series. Other guest experts include a lawyer who specialized in farmland transfers and estate planning, experts on insur-ance and representatives from the Farm Service Agency.

The program began Wednesday, Jan. 27 and runs through March 17. In New Castle County, it is being offered at the New Castle County Extension office in Newark. In Sussex, it is being offered at UD’s Elbert N. and Ann V. Carvel Research and Education Building in Georgetown. Late registrants will be accepted if space allows.

For more information about the northern Delaware class, call Stoops at 302-831-COOP or email [email protected]. For more information about the southern Delaware class, call Tracy Wootten at 302-856-7303 or email her at [email protected].

Classes for female entrepreneurs on agriculture business

5


PUBL ISHER

Bryant Richardson

AdmIn IStRAt Ion

Carol Richardson

Ed ItoR IAL d IREctoR

Daniel Richardson

ARt d IREctoR

Cassie Richardson

comPoSIt Ion

Elaine SchneiderTina Reaser

Rita Brex

SALES

Laura RogersDoris Shenton

Rick CullenBrandon MillerJoyce Ramsey

contAct Morning Star Publications

302-629-9788P.O. Box 1000

Seaford, DE [email protected]

[email protected]

Photos iphoto, stock.xchng

Focusing on the ambition and innovation that make

Delaware businesses unique.

please recycle this magazine

Business Report

VOL. 13 NO. 6

from the editor

Daniel RichardsonDaniel Richardson

The sense of frustration that Americans feel towards the Government is palpable

nowadays.Of course congressional approval

ratings have rarely climbed above 50%, but there really does seem to be an unprecedented and growing sense of frustration and Congress does not seem to be getting the message.

Republicans, it seems, think that the frustration is with the Democratic majority, but I don’t think this is the case. I believe that the frustration is with both parties.

I have always felt that politicians were all about scoring rhetorical points and demonizing the other side, but it seems that they used to be better at keeping up a facade of appearing to be actually concerned about their constituents. Now, it no longer seems like they are trying.

A report put together by the liberal group Think Progress, which can be found at http://thinkprogress.org/touting-recovery-opposed/, demonstrated that while Republicans are railing against the stimulus package, they have no problem going back to their home states to take credit for the money that is being doled out.

Democrats on the other hand seem to be unwilling to face up to the fact that government programs are going to need to be cut in order to pay off the massive debt that our country is accumulating.

For the longest time, Americans have been told that we only have two choices when it comes to an election – Republican or Democrat. We have been told that it is a waste of a vote

to choose a third party candidate. I am beginning to wonder if it isn’t time for this notion to change.

If you are a fiscal conservative who is concerned about the escalating debt and increasing amounts of government spending, what choice do you have?

Republicans give lip service to the idea that they are the party of financial responsibility with a belief in smaller government, but in reality neither party seems ready to make the necessary cuts in order to reduce our national debt.

If you believe in equality and civil rights for all citizens, what choice do you have? Democrats claim to be the party that will uphold civil rights, but once elected, these issues always seem to become secondary.

Both parties also seem more ready to fight one another rather than work together to come up with solutions to our problems.

Perhaps the frustration of the American people has gotten to the point where it must be noticed by our representatives. Perhaps the tide will begin to change in Washington.

The biggest fear that I have is that politicians will simply take advantage of this frustration we have and a new breed of politicians will win our votes with the promise of changing the tone in Washington, only to continue politics as usual once elected.

I do remain hopeful, though, because I know that our form of government was set up so that when we recognize that something needs to change, we have the power to do something about it through the election process.

A growing sense of frustrAtion

6


chamber news

Chamber Phone Key contact Dues* Members Fax

Bethany-fenwick 539-2100 Andy Cripps $205 825 539-9434

Delmar 846-3336 Diane Buckley $60 76

Georgetown 856-1544 KarenDuffield $150 460 856-1577

Laurel 875-9319 Joyce ramsey $125 125 875-4660

Lewes 645-8073 Betsy reamer $195 432 645-8412

Milford 422-3344 Jo schmeiser $165 250 422-7503

Millsboro 934-6777 fran Bruce $150 260 934-6065

Milton 684-1101 georgia Dalzell $125 96

rehoboth-Dewey 227-2233 Carol everhart $195 1303 227-8351

seaford 629-9690 Paula gunson $125 340 629-0281

Central Delaware 734-7513 Judy Diogo $200 868 678-0189

Delaware state 655-7221 Bill stephano $299 2800 654-0691

* Annual membership cost based on businesses with fewer than 10 employees. For Delaware State and Central Delaware chambers membership cost figure is for 1-5 members. For Delaware State Chamber special rate applies if business already belongs to another chamber.

Indoor Garage Sale plannedLooking for a treasure? Find

antiques, collectibles, second hand household or handmade items at Merchants’ Attic II from 9 a.m. to 1 p.m. on Saturday, March 20, at the Rehoboth Beach Convention Hall. Admission is free but donations to the Chamber’s event fund are appreci-ated. For more information, call Carol at the Rehoboth Beach-Dewey Beach Chamber of Commerce at 302-227-6446 or 800-441-1329, ext. 0.

Delaware State Chamber of Commerce (DSCC) members locked in a three-year fixed rate electricity supply contract below their current expiring contract and approxi-mately 15 percent below Delmarva Power’s current default tariff supply rates. The 38-month contract was signed on Jan. 11.

DSCC members took advantage of an electricity buying group that included mem-bers of the Rehoboth-Dewey Chamber of Commerce and the Delaware Restaurant Association. The combined electricity buying group was managed by DSCC member Ed Jackson of Affinity Energy Management and included more than 30 individual business accounts.

The group is expected to save more than $225,000 over the three-year term as compared to Delmarva Power’s current rates. Working through Affinity Energy Management, business members signed con-tracts with Washington Gas Energy Services to supply electricity for three years starting in February at a fixed price of $0.09539/kwhr.

The projected savings per Chamber member is in excess of $12,000 over the three-year period, however, each individual member’s savings will vary depending on their specific electric use and the tariff price paid to Delmarva Power prior to the switch

to the new contract rate. DSCC worked with Jackson to design and implement the elec-tricity buying group program.

After several rounds of competitive bid-ding, Washington Gas Energy Services was awarded the contract for the entire buying group on Jan. 11.

“We’re delighted to find savings for our members of nearly 15 percent as well as eliminate the risk of electric rate increases over the next three years,” said DSCC Sr. Vice President Sharon Reardon. “The annual savings for each business is well beyond a complete return on their investment in Chamber membership.”

dsCC locks in electricity rates

GREATER GEORGETOWNTHE

Chamber of CommerceMarch 3 - 1st Wed. - Economic Development Council Meeting - 12 p.m. - Train Station, lunch providedMarch 3 - 1st Wed. - Board of Directors Meeting - 4 p.m. - Georgetown Train StationMarch 10 - 2nd Wed. - Chamber Breakfast - 7:30 a.m. - The Brick - Historic Restaurant & Tavern, Special Guest Speaker Bill Satterfield of the Delmarva Poultry Industry - $9 per person at the door. RSVP by Tues, March 9th to 856-1544March 11 - Wings & Wheels Committee Meeting - 3:00 p.m. - Sussex County Airport - Please come and join this hard-working, plane/car loving committee!March 17 - 3rd Wed.- Chamber Mixer - 4:30 p.m. - 6:30 p.m. - Host: Fast -teks!; 22440 Lewes-Gtown Highway, GeorgetownMarch 24- 4th Wed.- Informational Lunch Meeting - 12:00 noon - CHEER Center - Special Guest Tina Shockley of DelDOT - $10 per person at the door. RSVP by Tues., Mar. 23 to 856-1544. March 27- Annual Easter Egg Hunt - 11:00 a.m. - 1:00 p.m. - Nutter Marvel Museum - Egg Hunt; Arts & Crafts; Moon Bounce; Pictures with the Easter Bunny; and much more! Please call 856-1544 for more information.

Visit us on the web: www.georgetowncoc.com460 Members & Growing!

302-856-1544 | [email protected]

7


Morning Keynote:Bernhard KoehlerChief Operating OfficerFisker Automotive, Inc.

Delaware State Chamber of Commerce

LEGISLATIVE BRUNCH & MANUFACTURING CONFERENCEMeet and share issues and goals with Delaware legislators and business leaders at this annual State Chamber event.

WEDNESDAY, MARCH 24, 20109:00 A.M. – 1:00 P.M. SHERATON DOVER HOTEL

$50.00 Members • $75.00 Non-membersMember exhibit tables: $175/no electric; $250/with electricNon-member exhibit tables: $275/ no electric; $350/ with electric

Register online at www.dscc.comFor more information, call Liz Pretz at (302) 655-7221Sponsorships available

Lunch Keynote:Jack MarkellGovernorState of Delaware

Ribbon Cutting

Owners andy herrick and Bill quirk announce the grand opening of CPS Medical equipment and Supply, located at 18908 rehoboth Mall Blvd., rehoboth Mall, rehoboth Beach. CPS Medical equipment and Supply specializes in medical equipment and supplies, medical equipment rentals and medical supplies and fittings. the store is open Monday through friday, 10 a.m to 5 p.m. and Saturday, 10 a.m. to 1 p.m. appointments are available. for more information, call 302-645-1744 or visit www.cpsmedicalsupply.com.

8


Ribbon Cutting

Owners Sherif and emon Zaki announce the grand opening of Sherif Zaki Salon & Spa...by the Sea, located at the Shops of Sea Coast, 19266 Coastal highway, rehoboth Beach. the full service spa offers body relaxation massage and renewal therapies, signature facials and skin repair treatments, manicures, pedicures and gel nail enhancements. the hair salon offers the latest cutting and coloring techniques. their greenville location has been known as a premiere salon and spa in the area for over 16 years. the rehoboth location was voted best nail salon in 2009 by delaware today and first State Best Spa in Sussex County in 2009. for more information, call 302-227-8640 or visit www.SherifZaki.com.

Ribbon Cutting

Belly’s BBq recently celebrated their grand opening with a ribbon cutting ceremony sponsored by the rehoboth Beach-dewey Beach Chamber of Commerce. Belly’s, a new restaurant located at Peddler’s village in Lewes, is owned by dale thaxton. the restaurant, which serves breakfast and lunch, is open Monday through Saturday from 7 a.m. to 4 p.m. for more information, call 302-945-7300.

9


22426 Sussex Pines RoadGeorgetown, DE

(302) 856-6283

GOLF• 13 Newly Rebuilt Greens to USGA Standards• 5 Refurbished Greens

DINE• Chef Michael, Our 5-Star Chef, Affordable yet Superior Lunch & Dinner

SOCIALIZE• Great Grille Room• Card Games for Ladies & Gents• Special Member Functions - Dances, Entertainment & More!

Sussex Pines...There’s Something "Fore" Everyone!

Ribbon Cutting

the Bethany-fenwick area Chamber of Commerce ambassadors and friends joined Mike’s Pizza owners Shanna and Mike Kitzmann on Jan. 14 for the ribbon cutting at their new store in the Cypress tree Center in Selbyville. from left are Jeff evans, diane Koch, Michael Young, Jayson garcia, Clare Mace, rich Warfield, owner Shanna Kitzmann, veronica Bona, andrew Stump, Marilyn Panagapoulos, Brenda richards, Peter Bernsten, Mae fleck, richard fleck and owner Mike Kitzmann. for more information, call Mike’s Pizza at 302-436-9293.

Look for more listings on brendarambo.comemail: [email protected]

mls 574816 Adorable stick built rancher in town of Seaford, new siding, roof, heat pump with gas back up, Rinnai hot water heater, hardwood floors, deck off dining room, split bedrooms, 1650 sq.ft of comfortable living space with fenced in back yard.

Please call for a viewing. $199,000

mls 559998 Established development north of Seaford “Clearbrooke Estates” wonderful landscape, private back

yard. 3 br, 2 ba, freshly painted, new smooth top stove, staged to sell. split floorplan with large family room addition with gas fireplace and vaulted ceiling, deck off sliders, 2 car garage,

shed, exterior lights, must see $219,000

Brenda R. Rambo cell (302) 236-2660

Ramey Real estate22350 Sussex Hwy. Seaford, DE

302-629-5575

Love where you live!

10


The Delaware State Chamber of Commerce is helping business lead-ers learn how social media can help strengthen their company’s standing in the marketplace. The Chamber hosted a panel discussion entitled, “Social Media Questions Answered,” on Feb. 2, featur-ing businesspeople and representatives of government and nonprofit organizations that have already seen success in their social media efforts.

Moderating the panel discussion was Lee Mikles, founder and CEO of the Archer Group, the Wilmington interactive marketing agency that has developed suc-cessful interactive campaigns for Wawa, Herr’s Foods, JPMorganChase, Comcast Sportsnet and others. “Explosion is too small a word” to describe the growth of social media in the last year or so, Mikles said. “More than a billion pieces of infor-mation are posted [on social media sites] every day. More than 100 million people are checking Facebook every day.”

Panelists were: Greg Hughes, director of the state’s Government Information Center; Kim Kostes, community relations manager of the Food Bank of Delaware; Darren Mahoney, a marketing manager at ING Direct, and Matthew J. Peterson, founder of Element Design Group of Wilmington and Lewes, Del.

Using Twitter and Facebook, Mahoney said, “is an ideal way to connect with cus-tomers and humanize [your company’s] brand.” Kostes recommended using social media to “provide advice or information” to the audience a business or nonprofit is trying to reach.

“Don’t sell through Twitter and Facebook,” Peterson said, “but you can promote your product in a respectful way.”

Noting the newness of social market-ing, Hughes said “we’re just rookies.” Nevertheless, Delaware has more than 6,700 “fans” of the state’s Facebook page, launched less than a year ago. Use of Facebook and Twitter is steadily expand-ing in state government, he said.

“Social media is direct, interactive and shows the human side of your company,” Peterson said.

dsCC offers social media strategies

Executive Board

the 2010 Chamber of Commerce for greater Milford has announced the 2010 executive Board of directors. CCgM 2009 vice President fred rohm, frederica Senior Center executive director, will serve as president this year. delmarva Broadcasting Company general Manager, Mike Kazala will serve as vice president. returning as treasurer is artisans’ Bank vice President and Milford Branch Manager deanna Smith, and returning as secretary is Susie Pennell, with the delaware Breast Cancer Coalition. from left are Smith, Kazala, rohm and Pennell.

11


Corporations | Real Estate Estates |Trusts | Wills

Sussex County Office1209 Coastal Highway

Fenwick Island, DE 19944(302) 539-3041

fax: (302) 537-9986

New Castle County Office14 West Market StreetNewport, DE 19804

(302) 995-2840fax: (302) 995-9160

Raymond E. Tomasetti Jr.Attorney at Law

Securities and investment advisory services offered through: H. Beck, Inc. Member FINRA, SIPC. H. Beck, Inc. is unaffiliated with EST Financial Group.

Estate and Retirement Planning302-846-9201

Samuel F. Slabaugh, Sr. CFP® Professional

Joy Slabaugh CFP® Professional

RESIDENTIAL & COMMERCIAL• SECURITY SYSTEMS • DIGITAL VIDEO RECORDING• CLOSED CIRCUIT VIDEO • ACCESS CONTROL

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Ribbon Cutting

the Mispillion art League (MaL), located at 5 n. Walnut St. in downtown Milford, celebrated their grand opening with a ribbon cutting ceremony on Wednesday, Jan. 28. the MaL hosted the Chamber of Commerce for greater Milford January after hours Business Mixer the same day. from left are CCgM President fred rohm, Mispillion art League President Sara gallagher, Milford Mayor dan Marabello and Mispillion art League v.P. Sharon hepford. for more information, visit www.mispillionarts.org.

12


By Carol Kinsley

As the April 15 tax filing deadline looms, small business owners may be wishing they had someone who could take care of all those forms for them and offer some advice on how to minimize their tax burden. These functions are only some of the services offered by a certified public accountant, or CPA. Other services include estate or finan-cial planning, accounting, management con-sulting, financial analysis and other financial reporting services. Some CPA firms also offer audit services for business, government and non-profit organizations.

Sure, there are plenty of tax preparers out there, and a CPA is not required. However, Fred Mast, a CPA who is manager of Jefferson, Urian, Doane and Sterner, the larg-est CPA firm in Sussex County, Del., said he would “highly recommend” getting a CPA involved in preparing your small business tax return. “Tax laws have become increasingly complicated and hard to stay up with for the average person not involved full time in pre-paring business taxes,” Mast said. “More and more there are tax credits and deductions that apply in certain situations that can be easily overlooked.”

Mast continued, “Tax planning services are one of the most common services provid-ed by CPAs, and should be tailored to meet a specific situation. What is beneficial for one client to do may not be beneficial for the next. We often sit down with clients prior to the end of the year to go over their particular situation and to help give advice for things that should be done before the end of the year, or things that should be looked into for the following year.”

Doug Phillips, president and managing director of Horty & Horty, P.A., a CPA firm based in Wilmington, explained the differ-ence between bookkeepers, accountants and CPAs. “A bookkeeper posts transactions to books — cash receipts from customers, invoices processed and paid, bills to custom-ers. Sometimes they’re involved in general ledger keeping, and some reconcile the books on a periodic basis.

“Accountants are at the next level. They may have some involvement in entering cer-tain transactions such as month end or year end. They take the information in the books and analyze it for reports, prepare financial statements and interpret information for man-agement.”

CPA is a professional designation, Phillips continued. “It means that individual has met a certain level of competency in different areas — accounting and finan-cial reporting, income taxes, auditing and business law — although a CPA is not an

attorney. A CPA also has to pass a rigorous exam.” Then licensed by a state jurisdiction, the CPA is required to adhere to professional standards, including appropriate work ethics in how he or she provides service.

The CPA designation implies someone is in public practice, but a CPA can work for a single corporation or company, Phillips explained, rather than opening or working for a practice that serves a multitude of cli-ents. Businesses often look for a CPA to fill certain positions in their company because they are well trained and have a diverse background, he said.

So, why hire a CPA rather than an accountant? “You get what you pay for,” said Phillips. “When you look to a CPA, you look to someone who has the professional qualifications mentioned, a certain level of experience and knowledge. The key is you get value because of that experience, qualifi-cation, and breadth of knowledge.”

Recalling that the CPA exam took a total of 16 hours, Mast noted, “CPAs are required to maintain certain continuing education requirements. This helps ensure that they are up to date on new tax law changes and helps give assurance to those using their services of their credibility. Choosing a tax return preparer who is not a CPA can be risky as you have no knowledge of their qualifica-tions to prepare taxes or knowledge of the current tax laws. Should you need to be represented before the IRS, only attorneys, CPAs and enrolled agents are allowed to do this. There are also various other services and financial statement reporting that only CPAs are licensed to perform which are often requested by banks or other third par-ties. CPAs performing these type of attest services are required to undergo peer review every three years, to help ensure their com-pliance and implementation of current regu-lations.”

Mast added, “I would always recom-mend contacting a CPA prior to starting a new business to make sure that your busi-ness structure from the very beginning is the most beneficial for you from a tax stand-point. Businesses set up incorrectly can be costly to correct or maintain and costly from an income tax standpoint as well.”

Phillips observed, “In my experience, small businesses don’t have a lot of in-house management. An entrepreneur, the owner, knows what he does — for example, a con-tractor knows about building — but isn’t necessarily trained or knowledgeable in other business matters such as finance. That’s where a CPA can help out. A CPA has seen a lot of things, worked with a lot of busi-nesses and brings a lot to the table in terms of help for the small business owner. Most of

our clients, small to medium businesses, do not have middle management, so they rely on us more to fill those needs.”

Even at large CPA firms such as Horty & Horty or Jefferson, Urian, Doane and Sterner, you can talk to the same CPA every time you call. Phillips said, “If you work with a CPA for a period of time, he devel-ops a cumulative knowledge about you and your business that adds value. He can give good feedback and advice.” There might be multiple people involved in servicing your business, he acknowledged, “but you should have continuity.”

Mast said, “Each client has one CPA from the firm who is in charge of their account and who takes responsibility for the client year after year, so that each cli-ent is ensured a stable relationship with a CPA who is knowledgeable about their particular situation. The benefit of the larger firm is that it allows each of our clients to draw from a much larger base of specialized services and knowledge provided by others within the firm if needed, so that clients do not have to go to several different places for their specialized needs as their businesses evolve from the beginning to the end, but can maintain continuity and efficiency by having their needs met. whether it be tax preparation, tax planning, financial statement preparation, business valuations, compliance services or estate planning.”

Mast has worked eight years for Jefferson, Urian, Doane and Sterner, which has been in existence since 1977 and has offices in Georgetown, Ocean View and Dover. For office locations and phone num-bers, visit www.juds.com.

Phillips, who has been in the business for 29 years and with Horty & Horty since 1983, said tax time actually is a good time to look for a new CPA. “Questions are fresh in your mind.” While you’re pulling things together and thinking about issues, he said, is a good time to talk to somebody.

He added that some of his people only spend 30 percent of their time in the office. “They spend more time in clients’ offices than in ours. It’s hard to understand how a business works if you’re not there at the business, so we try not to do the work here, but do it at the client’s. It’s beneficial to understanding what they do and gives us more opportunity to interact and hear about problems they’re having.”

Phillips said his company does tax returns for individuals as well as businesses in its offices in Wilmington and Dover. Clients range from start-ups to multi-million dollar companies, not-for-profit organizations and governmental entities. Call toll-free, (888) 968-7168 or visit www.horty.com.

You get what you pay for

13


With County Bank, your deposits are safe and secure. And they are put to work right here in southern Delaware. Your investments come around full circle by earning you a great return and keeping our region vibrant and our economy strong.

County Bank is big enough to meet all your business banking needs, yet we’re small enough to offer our superior services on a personal level. Not only do we know your business, but we know you, and recognize your financial needs.

At County Bank we understand the local economy, and we make taking care of your business our business. We don’t charge monthly business analysis fees, or monthly coin and currency fees. Other advantages of County Bank business accounts include:

• Convenient branch locations • Business debit cards• 24/7 Banking Online with bill-pay services • Bank-by-Phone services• Easy switch-over from your current bank.

We want you to be able to spend your time on building your business, not minding your accounts.

Call or stop in one of our nine conveniently located branches in Southern Delaware to learn more about how County Bank can save you money and help secure the future of your business.

County Bank business accounts cost you less

and keep the local economy strong.

www.CountyBankDel.comMember FDIC

“We have roots here, not just branches.”

With County Bank, my business has the services

and support I need to succeed.

— Fernando GuajardoOwner, Clothes 2 You

Rehoboth Beach

‘‘ ‘‘

Rehoboth Long Neck Milford Seaford Millville Georgetown Laurel Lewes Milton 226-9800 947-7300 424-2500 628-4400 537-0900 855-2000 877-5000 645-8880 684-2300

John A. Sergovic, Jr. | Shannon D. Carmean Leslie Case DiPietro

A ttorneys A t L aw

Real Estate | Civil Litigation Land Use Regulation

Business Law & Formation | Wills & Estates Probate | Guardianships | Debt Collection

Commercial & Residential Landlord/Tenant

123 West Market Street

P.O. Box 751, Georgetown, DE 19947-0751

P 302-855-1260, F 302-855-1270

[email protected]

SBA programs expanded to increase working capital

President Obama recently proposed the expansion of two critical Small Business Administration (SBA) lending programs, aimed at allowing small businesses to refi-nance and increasing limits for working capi-tal. These legislative proposals are designed to help small businesses through what continues to be a difficult period in credit markets.

Details include:1. Expand SBA’s existing program to

temporarily support refinancing for owner-occupied commercial real estate loans - The Administration is proposing legislation to tem-porarily allow for the refinancing of owner-occupied commercial real estate (CRE) loans under the SBA’s 504 program, which provides guarantees on loans for the development of real estate and other fixed assets. Currently, 504 loans cannot be used for the refinancing of maturing debt. This change would respond to the difficulties many current, solvent bor-rowers face in refinancing existing commer-cial real estate loans.

2. Temporarily increase the cap on SBA Express loans from $350,000 to $1 million - The President is proposing to temporarily increase the maximum SBA Express loan size to $1 million, which would expand the pro-gram’s ability to help a broad range of small businesses through a streamlined approval process. Unlike traditional 7(a) loans, lenders can use their own paperwork for SBA Express loans, which can be structured as revolving lines of credit. Currently, these Express loans are capped at $350,000 and carry a 50 percent guarantee. Fees would cover virtually all of the added costs of this proposal. These propos-als complement the President’s broader small business agenda - a key part of his overall jobs plan. The other elements of the small business agenda include:

• Extending small business expensing and bonus depreciation for 2010. Eliminating capi-tal gains taxes for small businesses in 2010.

• A Small Business Jobs and Wages Tax Credit that would cut taxes for more than 1 million small businesses by paying up to $5,000 for every net new job and covers pay-roll taxes on overall wage increases in excess of inflation.

• A proposal to transfer, through legisla-tion, $30 billion to a new Small Business Lending Fund that will support lending by community and smaller banks.

• Additional SBA lending proposals, including an extension of the Recovery Act programs that eliminate fees and raise guar-antees on SBA’s two largest loan programs and permanent increases in the maximum loan sizes for major SBA programs.


With all the attention we pay to federal tax issues, filing a state return seems almost an afterthought. But business owners in Delaware would be wise to take a careful look at the numerous tax credits that are available to offset state income taxes. Even if you can’t take a credit when you complete your 2009 return, you might find a way to incorporate some credit-generating activities into your business plan for this year or next.

The tax credits offered are geared toward advancing policies that the state considers important; for example - protecting the envi-ronment, creating more jobs (especially those that pay well), preserving open space and his-toric properties and reducing rush-hour com-muter traffic. To get an idea of how the pro-grams work, let’s take a closer look at a few.

The state offers four types of Green Industries credits. Before claiming a credit, the business must secure approval through the state Division of Revenue. Three of the credits — for collection and distribution of recycled materials; processing waste materials and using recycled materials as raw materials for manufacturing — work in similar fashion. The business must invest at least $200,000 on a qualifying facility and hire at least five new employees.

What’s the payoff? A tax credit of $650 per $100,000 invested and $650 per new employ-ee, or, if the facility is located in a specially identified “target area,” $900 per $100,000 invested and $900 per employee. Unclaimed credits can be carried forward for nine years.

The credit for reductions in the release of toxic wastes is smaller: $400 for each 10 percent in waste reduction. This credit can be claimed for four additional years as long as the reduction in waste is maintained.

Expanding businesses with high-paying jobs can qualify for credits under the New Economy Jobs Program. Businesses that add at least 50 employees who earn $100,000 or more can claim a credit of up to 40 percent of state withholding taxes collected on behalf of these employees. The credit can reach 65 percent of withholding if the jobs are located

in geographical growth zones, municipalities or former brownfields. To qualify, a business must secure advance approval from the state Division of Revenue by completing Form 402 AP. The business must begin expanded operations by Jan. 1, 2014; the credit can be claimed for up to 10 years, with renewals required annually. Businesses that function as a Headquarters Management Corporation (HMC), providing services to companies that operate out of state but list Delaware as their corporate home, may claim a credit if they add five or more full-time employees. The credit is worth $400 per new employee and can be claimed for a total of five years.

Businesses that encourage their employ-ees to car pool (three or more employees per vehicle) or use public transportation may qualify for a Travelink Traffic Mitigation Credit. The amount of the credit depends on the traffic reduction achieved by the business. Plans must be approved in advance by the state Department of Transportation. There’s a state-wide $100,000 annual limit on credits; if a full credit cannot be issued because of the cap, it can be carried forward for three tax years.

The Neighborhood Assistance credit encourages businesses to partner with com-munity development agencies in impoverished areas or that serve low-income families in providing education, job training, crime pre-vention, housing or other services. The maxi-mum tax credit is 50 percent of the amount the business invests in the project, with a $100,000 cap. Credit applications must be preapproved by the Delaware State Housing Authority. There’s a statewide annual limit of $500,000 for the program; if a qualifying program can-not be granted a full credit because of the cap, that portion of the claim will be reconsidered in the following year. If a program is granted a credit, the company cannot claim a state charitable deduction on its tax return for the program in the same year. Companies that donate land to the state or to a private chari-table agency for open space, natural resource, biodiversity conservation or historic preserva-tion purposes may claim a credit equal to 40

percent of the property’s fair market value, up to a maximum of $50,000. Unused portions of the credit may be carried forward for up to five years. The business cannot claim a different tax credit for costs associated with the same project.

One credit — for Investment and Employment — expired June 30, 2009. Businesses that previously qualified can con-tinue to claim the credit for up to 10 years but no new applications are being accepted. Similarly, businesses located on former brown-fields may continue to claim credits for up to 10 years, although the credit is not available for properties placed in service after 2006.

Credits for preservation and repair of his-toric structures and for research and develop-ment expenses are scheduled to expire this year. To qualify for a credit of up to 40 percent of eligible preservation expenses, rehabilita-tion plans must be approved by the Delaware Historic Preservation Office by June 30.

The R&D credit expires at the end of this year; applications must be filed with the Division of Revenue by Sept. 15. The amount of the credit depends on how much the com-pany spends on R&D activities, and it could be as much as 50 percent of the business’s state tax liability. However, the state has a $5 mil-lion annual cap on these credits; if applications received would trigger credits in excess of $5 million, the amount allowed would be reduced proportionately.

Each of the tax-credit programs mentioned has specific requirements for qualifying. In some cases, there’s a limit to the amount avail-able each year for credits, so businesses must get advance approval before making a claim on their tax return.

There’s a lot of fine print involved too — annual caps, limitations on qualifying expenses and requirements that some new hires be Delaware residents, for example, so it would be good to have your accountant or business consultant review the process with you.

John Fay is a tax director with Horty & Horty, P.A., a Delaware accounting firm with offices in Dover and Wilmington.

Delaware tax credits for business: Have you given them any thought?

By John fAy, CPA

financial 15


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New directors join Artisans’ Bank

Artisans’ Bank announces that Monica M. Taylor of Philadelphia, Pa. and John E. “Jed” Hatfield, of Media, Pa. have recently been elected to the board of directors of Artisans’ Bank.

With over 20 years in higher edu-cation and non-profit management, Taylor serves as the vice president for Development and Alumni Relations at the University of Delaware where she manages and directs a comprehensive development and alumni relations pro-gram for over 200,000 alumni, donors and friends of the University. Hatfield, president of Colonial Parking, Inc., is responsible for Colonial’s operations in the Wilmington, Delaware County, Pa. and Philadelphia areas. In addition to the opening of new facilities, he is responsible for the daily management of all Colonial facilities.


News headlines of disasters, terror and tragic, unexpected deaths are only stories until a shocking incident occurs.

Even then, we mourn the horror but rare-ly take action to protect our families from the fallout of a similar disaster.

A poll by AARP showed that while many adults are aware of the need for estate plan-ning, less than half have actually taken any action. It is easy to delay estate planning when tragedy is only a headline, yet the statistics of death tell us that we should all prepare our families for the worst, regardless of age or wealth.

“An estate plan addresses what happens to the family when you are gone,” says Charles R. Wolpoff a principal of Wolpoff Financial Group LLC in Westminster and Towson, Md. and Certified Financial Planner (CFP).

Even for the simplest estate, there are issues that need to be handled. Says Wolpoff, “If you care about your family, you will leave them with a plan of action.”

Wolpoff recommends creating this plan of action with a financial planner who does comprehensive planning. Not only can the planner help you create the plan of action, she or he can also help your family imple-ment that plan.

Steven M. Berger, an estate planning attorney in Severna Park, Md., agrees with Wolpoff. “More than anything, the process of thinking things through is the valuable part of estate planning.” Whether you choose to work with an estate professional or decide to do your own planning, certain principles can make the transition easier for your fam-ily.

Communicate. Even the best plan of action is useless if the family doesn’t know about it. “The first three rules of estate plan-ning are communication, communication and communication,” says Wolpoff.

When a family is experiencing shock from an unexpected loss, fear of the unknown only adds to the burden. Wolpoff believes, “The family needs to know what

the estate plan is, what the assets are, who the advisors are, what’s in the will and why.”

Make sure things are organized. Your heirs will need a list of assets, where they are held and how they are to be distributed. Wolpoff recommends, “You also need to have a to-do list for the family and the sur-vivors. This list should instruct what they should do the day after, the week after, etc. For example, one of the first things is to contact the life insurance company; the death benefit can provide liquidity at a critical time.”

Other items on this to-do list may include burial instructions, paying bills and claiming benefits. Providing your family with practi-cal information before it is needed will help reduce the level of stress on your family and make it easier for them to rebuild their lives.

Assign responsibility. Be proactive and select a responsible party to handle differ-ent issues, especially those included on the to-do list referenced above. Wolpoff says, “Usually, people have a most trusted advisor that they trust the children to go to for assis-tance. This is not necessarily the executor of the will.” Ideally, this person is not only trustworthy, but can be a calming influence on the family.

While children are still minors, you will need to establish legal successor guard-ians and prepare those guardians for their potential roles. “Make sure the successor guardians are aware of your intentions,” sug-gests Eric W. Johnston, a CFP with InFocus Financial Advisors in Salisbury, Md. “Everybody thinks their sister or brother will happily serve as a guardian but they may not be willing.”

Educate. Your family needs to know where you keep the important documents, the to-do list and how to contact your advi-sors. Your personal representative needs to know your assets, liabilities and cash-flow. Successor guardians need to know who to contact for funds.

Communicating this information to the appropriate parties is a vital factor of

estate planning. Consider creating a file or binder “In Case of Emergency” with these comprehensive instructions for your family. Provided instructions for accessing sensitive information are included in the binder, the documents themselves can even be located elsewhere.

Johnston recommends, “Your attorney or financial planner should have a signed copy of your estate documents.” The goal is to make it as simple as possible for your family to take the next steps.

Explain intent. Communicating the intent behind your plan is just as important as the information itself. “Disaster can befall a fam-ily after someone dies when there are mis-understandings and resentments. This often happens because no one says anything about the estate plan and why.”

Wolpoff recommends combating this by involving your family in your estate planning but acknowledges it can be difficult. “It is hard enough to get couples to do planning together and getting them to include their adult children is like asking them to jump off the roof. But it can be so helpful if you can get the family together.”

Wolpoff says the goal is not democratic estate planning where you ask your family their wishes, but an open dialogue where you explain what you are doing and why. “If you open up two-way communication, your fam-ily may offer a valuable suggestion you did not think of. Or, if there is any resentment or misunderstanding, you can clarify them while you are living.”

Revisit the plan. As life evolves, your priorities may shift.

Review your plan with your estate plan-ner to make sure the plan will still accom-plish your goals.

Don’t wait to take action. Contact your estate planning professional

or find a financial planner specializing in estate planning at www.plannersearch.com.

Joy Slabaugh is a CFP professional, speaker and writer practicing in Delmar.

Make your estate plan disaster-proof

By Joy sLABAugh

financialinvesting 17


hidden treasure

Fst ClaThat’s the type of experience you’ll have when you work with us to create the kitchen or bath you’ve always wanted. Our experienced stafexperienced staff of award-winning designers and expert installation team look forward to making your dreams a reality!

By Carol Kinsley

For anyone who has eaten a cheesesteak in the city where the sandwich originated some 75 years ago, news that a restaurant has opened in Dover that serves cheeses-teaks just like those you get in Philadelphia will set your mouth to watering. No lon-ger will you have to drive all the way to Pennsylvania to experience the flavor of quickly grilled, thinly sliced, tender beef, topped with sliced, fried onions, smothered with melted cheese, all on a tasty long roll. Now you can satisfy those tastebuds at Gena's Steaks, located at 654 North DuPont Highway, just a quarter mile from Dover Downs.

Jason Guido, a partner in the venture, would protest the acclamation "just like those you get in Philadelphia." He said, "I'm

A taste of Philadelphia comes to Dover

18


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better than anybody!"Folks in Delaware — unless they've vis-

ited Philadelphia and eaten "the real thing" — "are not used to what we serve," Guido said. "They use minute steak or chopped beef. This ain't no minute steak! We use 100 percent rib eye beef and slice it fresh daily."

As in Philadelphia, you can choose from three kinds of cheese: American, provolone or Cheez Whiz. And you can get your chees-esteak "wit" or wit-out" onions, either fried or raw. But don't ask for one with every-thing. "There's no such thing as everything," Guido insisted. You'll find a "pepper bar" with condiments at the end, where you can load on your own ketchup, hot sauce, horse radish or choose from five kinds of pepper.

The bread is authentic Philadelphia - it comes from there. "I come from Philly, everything's from Philly," Guido asserted.

He explained how the south Philadelphia-style sandwich shop happens to be located 80 miles south of the City of Brotherly Love.

Richard and Michelle Pizzuto stopped to eat lunch in Dover in August of 2008. The food was "not up to par," Guido said. They decided Dover might be a good place to open an Italian-style sandwich shop. During the year-long construction, their 3-year-old daughter Gena Rosa passed away. The res-taurant, which opened in December 2009, bears her name.

Gena's Steaks also serves hot roast pork and chicken cutlet sandwiches. Guido said a chicken cutlet is a fileted breast of chicken, breaded in Italian bread crumbs and season-ing, then deep fried. Gena's serves six types of sandwiches containing a chicken cutlet.

The rest of the menu reads like the deli counter in one of the butcher shops in Philadelphia's Italian market, with sandwiches such as an Italian hoagie with sharp provolone, ham, capicola, salami and proscuitto. The Genarosa, also named for the Pizzutos' daughter, contains sharp pro-volone, prosciutto and roasted peppers. The Milano includes grilled tomatoes and roasted pepper. The Sicilian contains prosciutto with broccoli rabe (an Italian vegetable that looks like a small head of broccoli that has a nutty, bitter taste) sauted in garlic, olive oil and hot pepper seed.

Rabe is also available as a side dish, along with French fries, pizza rolls, onion rings, mozzarella sticks or "long hots," sau-ted hot peppers.

Hungry yet? Gena's Steaks is open 11 a.m. to 10 p.m. Monday through Saturday, and noon to 8 p.m. on Sunday. Hours may be extended this spring. Call (302) 526-2571.

A taste of Philadelphia comes to Dover


health

Bayhealth Medical Center donated clothing and critical medical sup-plies for relief efforts in earthquake

ravaged Haiti, and a Bayhealth trauma sur-geon recently traveled to Haiti to treat earth-quake survivors. Bayhealth nurse leaders organized a clothing drive in which employ-ees at Kent General Hospital and Milford Memorial Hospital donated clothes to earth-quake survivors.With thousands of survivors also in need of medical treatment, Bayhealth Trauma Surgeon John Brebbia, MD, joined a team of doctors that traveled to Haiti and treated survivors between Jan. 20-28. Dr. Brebbia is Critical Care director for Milford Memorial Hospital and Wound Care Center director for Kent General Hospital.

Bayhealth Medical Center has also donated more than 25 boxes of medical supplies, including sutures, wrist splints, IV poles, shoulder immobilizers, bandages, linen, catheters, medical solutions, ventilator tubes and wound drainage devices.

Jim Harrison from Mission Relief Services picked up the medical supplies from the Bayhealth warehouse in Dover on Jan. 19. The Bayhealth medical supplies and clothing will be part of a shipment of 500 boxes that Mission Relief Services will deliver to relief workers in Haiti.

Bayhealth sends supplies to Haiti

Jim harrison of Mission relief Services (center) receives a box of medical supplies from Bayhealth Materials Management Manager dave Webb (left) and Bayhealth Warehouse Supervisor don Lucas (right).

April 7 & April 810:30 a.m. & 3:30 p.m.

Please join us on either day or time!Refreshments will be served.

110 W. North St., Georgetown DE 19947(302) 856-4574 | www.HarrisonSeniorLiving.com

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OpenHouse

33rd Annual Seminar & ExpositionMarch 15-17, 2010Clarion Resort Hotel, Ocean City, MD

Visit us on the web at www.delmarvasafety.com to learn about this year’s show which includes timely topics, expert speakers, great networking opportunities, exposition, registration and excellent keynote speakers discussing “Keeping a Safety Focus in Tough Economic Times”.

Or Call Delmarva Safety Association at (302) 856-7303

For more information contact Ron Jester at [email protected].

20


“My grandmother always treated me like the most important person on earth. So when she needed me, I wanted to care for her at home. Delaware Hospice was there for us. They gave me the strength and advice I needed, and they gave Grams the dignity and compassion she deserved.”

Delaware Hospice is dedicated to providing high quality hospicecare to patients and families in their home settings or at theDelaware Hospice Center.

Let Delaware Hospice share the care.Call 800-838-9800 or visit delawarehospice.org

“Grams was always there for me. Delaware Hospice helped me be there for her.”

Call for FreeAdvance

Directives

nanticoke Memorial hospital announces the reopening of its newly renovated pediatric unit. Located on the hospital’s first floor, the unit features a family friendly design and layout with oversized patient rooms to allow parents to stay with their children. Movies and video games are also available. from left are Leanne Chaffinch, LPn; Sheila Welfley, rn; and nancy Oyerly, rn, MS, director of maternal child health services, in one of the renovated rooms.

Renovated Unit

Bayhealth to establish Stroke Center

Bayhealth Medical Center will establish an official Stroke Center this winter.

“The Stroke Center will be a virtual unit that will follow patients wherever they are in the hospital to ensure that they receive evi-dence-based care based on American Heart Association guidelines,” said Dawn Fowler, MSN, RN, PCCN, who was appointed Bayhealth’s Stroke Center coordinator in October 2009.

Bayhealth treats approximately 500 stroke patients a year at both Kent General and Milford Memorial Hospitals, according to Fowler. By establishing a Stroke Center, Bayhealth hopes to improve patient out-comes, decrease mortality rates and shorten the length of hospital stay for patients.

There are two types of stroke: ischemic and hemorrhagic. Thanks to Bayhealth’s affiliation with Penn Medicine, Bayhealth transfers patients with hemorrhagic strokes to Penn for neurological intervention. Patients with ischemic strokes are treated at Bayhealth. As an integral part of the Stroke Center, Bayhealth collaborated with Kent County EMS so that the EMS will notify the Emergency Department they have a possible stroke patient before they arrive at the hospi-tal. When a patient presents to the hospital with stroke symptoms, a “Stroke Alert” will be called and the patient will be imme-diately triaged to receive an evaluation, prompt laboratory studies and CT imaging. Once diagnosed, patients will receive the appropriate medication or other intervention. Patients will be monitored up to six months following their discharge from the hospital to assess their condition.

For more information on Bayhealth’s Stroke Center, call Fowler at 302-744-6584.

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Nanticoke Memorial Hospital is advanc-ing the fight against breast cancer by installing a new cutting edge digital

mammography system for its patients.This system, a GE Healthcare Senographe

Digital Mammography system, provides physi-cians with clear and precise all-digital images, rather than images on X-ray film. The system provides the largest field of view currently available, which can be extremely helpful for precision imaging of patients with diverse shapes and sizes.

“This is new and powerful technology for the detection and fight against breast cancer,” says Missy Babinski, radiology director. “Digital systems such as the new Senographe Essential allow us to offer our patients state-of-the-art mammograms that are fast and easy. And it gives our referring physicians accurate images to use in diagnosis.”

There are many advantages to a digital system. The images are clear and easy to read, and it offers an excellent view of the breast, especially near the skin line, chest wall and in women with diverse breast tissue types.

The digital image is ready to read within 10 seconds – there is no longer a wait for films to be developed to be sure the images are usable.

Digital mammograms take as little as half the time of film. And if a second opinion is

needed, the image can be sent electronically to a consulting physician virtually instanta-neously. Funding support of Women's Health Services/Digital Mammography has been at the front of the organization's fundraising activities during the past year.

Through special events, grants and com-munity support, a portion of the monies needed for the equipment has been raised.

Fundraising activities are ongoing to raise additional funds to cover the total cost of the equipment and to add an additional digital mammography machine, along with enhancing women's health services for the community.

nanticoke installs new digital mammography

Dr. Zorsky joins NMH

Nanticoke Memorial Hospital welcomes Paul Zorsky, MD to its active medical staff. Dr. Zorsky joins Nanticoke Health Services as a specialist in Medical Oncology and Hematology.

Paul Zorsky, MD, is board-certified in Internal Medicine, Hematology and Oncology by the American Board of Internal Medicine. He received his medical degree from the University of Connecticut and completed an internship in Internal Medicine at the George Washington University Medical Center in Washington, D.C. Dr. Zorsky served as chief medi-cal resident at the George Washington University Medical Center, before com-pleting a fellowship in Hematology and Oncology there as well.

To reach Dr. Zorsky's office where he is accepting new patients, call 628-6334.

dr. Zorsky

On Jan. 21, the vascular Center at nanticoke Memorial hospital held a ribbon cutting and greater Seaford Chamber of Commerce Mixer to celebrate the Center’s opening. the event included a ribbon cutting ceremony, tours of the facility, health screening information, prize giveaways, refreshments and more. from left are, grace Peterson, City of Seaford councilwoman; robert Boyd, chairman, nanticoke health Services board of direc-tors; dr. nyen Chong, the vascular Center medical director/thoracic and vascular sur-geon; thomas Brown, senior vice president, nanticoke health Services; ed Butler, mayor, City of Seaford; Barbara gijanto, director of vascular Services; Steven rose, president & CeO, nanticoke health Services; and dolores Slatcher, Seaford city manager.

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Mammography employees, tracy hill, donna Bradley and terry Persolio, with nanticoke Memorial hospital’s new digital mammography equipment

22


dr. daniel Marelli

physician speaks about aaa screenings

Bayhealth surgeon Daniel Marelli, MD, MSc, will offer a free informational pro-gram on abdominal aortic aneurysm (AAA) screenings from 6 to 7 p.m. on Thursday, March 4, at Smyrna Clayton Medical Services. The presentation is free and open to the public; registration is not required.

Screening for AAA is very important. Knowing in advance if an aneurysm is pres-ent (since symptoms are often silent) is a great advantage in preventing emergency surgery and could save your life.

An abdominal aortic aneurysm is a bulge in the abdominal section of the aorta, the body’s main blood vessel that carries blood from the heart to the rest of the body. Abdominal aortic aneurysms are very seri-ous and can be fatal.

The U.S. Preventive Services Task Force recommends that all men age 65 to 75 who have ever smoked be screened for an abdominal aortic aneurysm. Others at risk include men over age 60, men and women with an immediate relative (such as a mother or brother) who has had an abdominal aortic aneurysm, those with high blood pressure and smokers.

To try to prevent aneurysms, you should avoid tobacco, eat well, exercise and get regular physical exams.

Bayhealth’s screening consists of an ultrasound, which is the preferred screening modality for abdominal aortic aneurysms. There is a $49 fee for this screening and pre-registration is required. For more infor-mation and to register for a screening, call Bayhealth’s Education Department at 302-744-7135.

diabetes Education program receives recognitionThe American Diabetes Association (ADA)

Education Recognition Certificate for a quality diabetes self-management education program was recently awarded to Nanticoke Memorial Hospital’s outpatient diabetes education pro-gram, The Diabetes Connection: “You’re in Control.”

The program was originally recognized this past October, with Nanticoke Memorial Hospital receiving confirmation of certifi-

cation in January. The American Diabetes Association (ADA) certifies this program as offering high-quality education that is an essential component of effective diabetes treat-ment.

The ADA’s Education Recognition Certificate assures that educational programs meet the National Standards for Diabetes Self-Management Education.

“The process gives professionals a national

standard by which to measure the quality of services they provide,” comments Lucinda Mancuso, RD, CDE, LDN, Nanticoke Memorial Hospital, Diabetes Education Program coordinator. “And, of course, it assures the consumer that he or she will likely receive high-quality service.” Education Recognition status is verified by an official certificate from the ADA and awarded for three years.

23


business licenses

BETHANY BEACHPfeiffer, Jonathan D., Pfeiffer Equipment;

638 Tingle Ave., Bethany Beach; retailer-machinery equipment & supplies

Submersible Zipper Company, LLC; 1 Ocean Pines Ln., Bethany Beach; wholesaler-any products

BRIDGEVILLEValeza Jose, Valeza Tax Services; 208

Walnut St., Bridgeville; professional services-income tax consultant

DELMARLayfield, Tina M., Love One Another

Home Health; 8109 Pine Branch Rd., Delmar; personal services-nursing/rest home

Smart, Russell R., Russell Smart Home Improvements, LLC; 37787 Eagles Run, Delmar; reconciliation purpose code

DOVERAdvenlily Amigos LLC; 11 Fairway Lakes

Dr., Apt. F32, Dover; professional and/or per-sonal services

Anderson, Scott, Anderson Contracting; 165 Burnham Ln., Dover; contractor-residen-tial

Balcon Services; 130 Sweetgum Dr., Dover; professional and/or personal services

Barrus, Russell Jr., Hammerhead Remodeling; 320 E. Broadstairs Pl., Apt. 103F, Dover; contractor-residential

DMG Holdings LLC; 429 S. Governors Ave., Dover; reconciliation purpose code

Dover Ob-Gyn Associates LLC; 21 Saulsbury Rd., Dover; professional services-medical office

EMG Investment Group LLC; 8 Quillen St., Dover; professional and/or personal ser-vices

Falcon Landscaping and Design; 1398 Old White Oak Rd., Dover; professional and/or personal services

Ford, Suzanne I.; 10 Fairway Lakes Dr., Apt. B14, Dover; professional and/or personal services

Hawkins, Patricia, Hawkins Consulting; 16 Drew Court, Dover; reconciliation purpose code

Infinity Technology Distributors; 401 Federal St., Dover; professional and/or per-sonal services

Johnson Brothers & Sons Perf., JB&S Performance; 5298 S. Dupont Hwy., Dover; personal service-motor vehicle service

Maas, Arnold V., AVM Repairs and Maintenance; 2483 Forrest Ave., Dover; contractor-residential

Parsons, Steven, Zeus Sight & Sound Technology; 766 Hitching Post Dr., Dover; professional and/or personal services

Rainbow After Dark Entertainment; 25

Gristmill Dr., Dover; retailer-various productsRMS Food Services LLC; 224 Derby

Wood Cir., Dover; retailer-restaurantSoho Fitness Partners Dover, Snap Fitness;

1030 Forrest Ave., Dover; personal services-health club/spa

Thornton, Rebecca, Becca’s Clothing; 90 Unruh Dr., Dover; professional and/or per-sonal services

Wessels, Joseph E., Wessels Consulting; 857 Westview Ter., Dover; professional and/or personal services

Ximius Music Group; 1575 S. State St., Dover; professional and/or personal services

GEORGETOWNDelaware Classics Desserts LLC; 432 E.

Market St., Ste. R, Georgetown; wholesaler-food processor

McDermot, Maureen A., Erin’s Treasures Ltd.; 24175 Celtic St., Georgetown; retailer-various products

Pollard, William, Wild Blue Sea Farms; 22799 Concord Pond Rd., Georgetown; wholesaler-food (except processor)

GREENWOODAdams, Evelyne E., Evelyne Adams

Interiors; 15097 Adams Rd., Greenwood; pro-fessional and/or personal services

Miller, Jessica, Willow Park Studio; 498 Greenwood Rd., Greenwood; professional and/or personal services

Sharp, Anthony G., A Plus Innovations; 6346 Hickman Rd., Greenwood; professional and/or personal services

HARRINGTONTatman, Dean Robert, Tatman Property

Solutions; 2668 Jackson Ditch Rd., Harrington; professional and/or personal ser-vices

LAURELLee’s Used Furniture; 10912 County Seat

Hwy., Laurel; retailer-furniture & fixturesLittle Hill Auto Parts; 18320 Little Hill

Rd., Laurel; retailer-transportation equipment

LEWESBeautifully Breastfeeding LLC; 713 Kings

Hwy., Lewes; professional and/or personal services

Cartagena, Dorothy; 216 W. 3rd St., Lewes; professional and/or personal services

Dayton, Dorothy C., Happy Trails Company; 18355 Locust Ln., Lewes; profes-sional and/or personal services

Gerle-Erb, Teresa M., Erbhygenist; 34892 Oak Dr., Lewes; professional and/or personal services

Snead, Joseph A. Jr.; 20229 Wil King Rd., Lewes; professional and/or personal services

MILFORDHandy Home Services LLC; 6 Windy Dr.,

Milford; contractor-residentialJolt Enterprises; 406 NE 4th St., Milford;

professional and/or personal servicesKEC Enterprises Inc.; 3 Mews Rd.,

Milford; wholesaler-hardware, plumbing & heating

MILLSBOROIndian River Golf Cars Inc., DR Welding;

26246 Kathy’s Way, Millsboro; retailer-vari-ous products

Kenney, Michael C. III, Mike’s Home Repair; 27287 William Street Rd., Millsboro; contractor-residential

Minshall, Duane; 34677 Gooseneck St., Millsboro; contractor-residential

Pereira, Annamaire, Elite Dealer Services; 32742 Oak Orchard Rd., Millsboro; profes-sional and/or personal services

SEAFORDBenson Financial Group, LLC; 12179

Country Dr., Seaford; professional and/or per-sonal services

Cherris, Natalie A. LCSW; 901 E. Ivy Dr., Seaford; professional services-counselor

Harris Family Assisted Living LLC; 9698 Nanticoke Cir., Seaford; personal services-nursing/rest home

Miller, Stephanie, The Prancing Pooch Pet Grooming; 12259 Baker Mill Rd., Seaford; professional and/or personal services

Richardson, Properties LLC; 215 Elm Dr., Seaford; commercial lessor

Smith, Melissa, Amazing Cakes; 25448 Bethel Concord Rd., Seaford; retailer-food (except restaurant)

Wheatley, Bridget M.; 702 Heritage Dr., Seaford; professional and/or personal services

SMYRNABingham, Krysti, Walk Dogs on Wheels;

5577 Dupont Pkwy., Smyrna; professional and/or personal services

Grace Computer Solutions LLC; 45 Shashi Ct., Smyrna; professional and/or personal services

Hubby for Hire LLC; 32 E. Wellington Mews, Smyrna; reconciliation purpose code

JLW Consulting LLC; 396 N. School Ln., Smyrna; professional and/or personal services

King Waste Inc.; 656 Paddock Rd., Smyrna; reconciliation purpose code/construc-tion transportation contractor

Load My Tunes; 512 Black Diamond Rd., Smyrna; professional and/or personal services

Tech-No-Geeks; 743 W. Commerce St., Smyrna; professional and/or personal services

24


ACCOUNTANTS / BUSINESS VALUATION

Horty & Horty, P.A.doug Phillips, director, CPa302-730-4560fax [email protected] n. dupont hwy.dover, de 19901

ADVERTISING

Morning Star Business ReportLaura rogers or doris Shenton302-629-9788fax [email protected] Box 1000, 628 W. Stein hwy. Seaford, de 19973

ADMINISTRATIVE ASSISTANT

Sharen E. Hagerty CPS/CAP302-536-1445fax [email protected] 117 William ross LaneSeaford, de 19973

ARCHITECTS & ENGINEERS

A-ES ArchiTech, LLCeric a. Booththomas d. Plotts410-543-4595fax [email protected]@aesarchitech.com110 W. Church St. Salisbury, Md 21801

George, Miles & Buhr, LLCMichelle everngam302-628-1421fax 302-628-8350

[email protected] high St.Seaford, de 19973George, Miles & Buhr, LLCMichelle everngam302-645-1944fax [email protected] Savannah rd., Suite 1 Lewes, de 19958

BUSINESS & INDUSTRY STAFF DEV. TRAINING

S.C.O.R.E.Kent County herb Konowitz302-745-1315Sussex Countyed [email protected]@comcast.net

CABINETRY

U. L. Harman, Inc.delores BowlesJeff riddleberger800-346-4887302-492-3456fax [email protected] Box 56Marydel de 19964

CHAMBER OF COMMERCE

Central Delaware Chamber of CommerceSandy dale302-734-7513fax [email protected] n. duPont hwy.dover, de 19901

Georgetown Chamber of CommerceKaren Duffield302-856-1544fax [email protected] Layton ave., PO Box 1 georgetown, de 19947

Lewes Chamber of CommerceBetsy reamer302-645-8073Toll Free 877-465-3937fax [email protected]. Box 1, 120 Kings hwy.Lewes, de 19958

Greater Millsboro Chamber of Commercefran Bruce302-934-6777fax [email protected]. Box 187Millsboro, de 19966

Milton Chamber of Commercegeorgia dalzell302-684-1101707 Chestnut St.P.O. Box 61Milton, de 19968

Rehoboth-Dewey Chamber of CommerceCarol everhart302-227-6446800-441-1329 ext. 13fax [email protected] rehoboth ave. rehoboth Beach, de 1997

Greater Seaford Chamber of CommercePaula gunson302-629-9690fax [email protected] 304a high StreetSeaford, de 19973

COMPUTERS

Z-Tronix Computers & Softwarealan Stolzenbach302-628-9661fax [email protected] 22876 Sussex highway, unit 7 Seaford, de 19973

EDUCATION

University of Del. Div. of Prof. & Continuing Studiestara Kee866-820-0238fax [email protected] Carter Partnership Centerdel tech Owens Campus georgetown, de 19947

ENVIRONMENTAL

Delaware Solid Waste AuthorityWendy Pizzadili302-739-5361fax [email protected] S. Bradford St., PO Box 455 dover, de 19903

EMPLOYMENT

Essential Staffing Inc.Best Temps of Dover Patsy Ware

business directory 25


302-674-4357fax [email protected] W. north St., Suite adover, de 19904

FINANCIAL

Bank of DelmarvaScott rukowicz302-875-5901fax [email protected] east Market St.Laurel, de 19956

County Bank9 Sussex County Locationswww.CountyBankdel.comrehoboth Beach Branch302-226-9800fax 302-226-318219927 Shuttle roadrehoboth Beach, de 19971

Long neck Branch302-947-7300fax 302-947-730325933 School LaneMillsboro, de 19966

Milford Branch302-424-2500fax 302-424-2265100 east Masten CircleMilford, de 19963

Seaford Branch302-628-4400fax 302-628-4405632 West Stein highwaySeaford, de 19973

Millville Branch302-537-0900fax 302-537-090510 Old Mill roadMillville, de 19967

georgetown Branch302-855-2000fax 302-855-2005 13 n. Bedford Streetgeorgetown, de 19947

Laurel Branch302-877-5000fax 302-877-50051122 S. Central ave.Laurel, de 19956

Lewes Branch302-645-8880fax 302-645-0888 1609 Savannah roadvillage of five PointsLewes, de 19958

Milton Branch302-684-2300fax 302-684-2305140 Broadkill road.Milton, de 19968

Del One 7 Statewide Locationsdebbie Jewell302-672-1492fax [email protected] Beiser Blvd.dover, de 19904

Delaware State Police Federal Credit UnionStephen Cimo302-856-3501 ext. 120fax [email protected] Box 800georgetown, de 19947

Discover BankSherry Berman302-349-4512fax [email protected]

P.O. Box 2003greenwood, de 19950Seaford Federal Credit UnionMary adams302-629-7852fax [email protected] Professional Centerrt. 13 SouthSeaford de 19973

Sussex County Federal Credit UnionBecky MaddenPamela fleuette - CeOJohn Lewis - Chairman302-629-0100 ext. 142fax [email protected] Box 18001941 Bridgeville hwy. Seaford, de 19973

FUNERAL SERVICES

Watson Yates Funeral Homegary Yates302-629-8561fax 302-629-7961front & King St. Seaford, de 19973

GRAPHIC/WEBSITE

DESIGN

Dean Design/Marketing GroupJane e. dean302-674-5007877-407-9800 Lincoln, DEfax [email protected] Water St.Lincoln, de 19960

Hamilton Associatesherb g.quickJocelyn K. quick

302-629-4949fax [email protected] Box 1431 Seaford de 19973

HEALTH

Beebe Medical Centernancy Cummings302-645-3300fax [email protected] Savannah rd.Lewes, de 19958-0226

Heritage At Milford Assisted Living Community Genesis HealthCareCheryl Stover302-422-8700fax [email protected] South duPont Blvd.Milford, de 19963

Nanticoke Health Servicesreneé Morris302-629-6611fax [email protected] Middleford rd.Seaford, de 19973

Bayhealth Medical CenterMilford Memorial Hospitalellen Shockley302-430-5034fax [email protected] W. Clarke ave.Milford, de 19968

INSURANCE

Farnell & Gast InsuranceJoe gast, CPCu302-629-4514

26


800-966-4514fax [email protected] W. Stein highwaySeaford, de 19973

Clifford Short InsuranceCliff Short302-856-7773fax [email protected] east Market St.georgetown, de 19947

INTERNET SERVICE & WEB PAGE DESIGN

Delmarva Digitaltim Smith302-875-7700fax [email protected] LaureltowneLaurel, de 19956

MEDICAL TRANSPORT

Lifestar AmbulanceMike Parker800-572-9838410-546-0809fax [email protected] S. tower dr.Salisbury, Md 21804

MORTGAGES

The Mortgage Market of DelawareJoann Moore302-422-4414Cell 302-236-1229fax 302-422-4494themortgagemarketofdelaware.com401 S. dupont BoulevardMilford, de 19963

PAYROLL SERVICE

Payroll Professionalsdonna [email protected] Savannah rd.Lewes, de 19958

PHOTOGRAPHY

Eric Crossan Studioseric Crossan877-302-7821fax 877-302-7821ericcrossan.com(through website)Serving all delmarva

PORTRAITS

Portraits In The Sanddave Koster302-226-9226fax 302-226-8424PortraitsintheSand.combusinessreport@por-traitsinthesand.com110 White Oak rd.rehoboth Beach, de 19971

REAL ESTATE

Coldwell Banker Commercial Resort Realty302-227-5000fax 302-227-5008cbankercommercial.com20814 Coastal hwy.rehoboth Beach, de 19971

Long & Foster Real Estate, Inc.ethel M. Lewis302-227-2541 ext. 470800-462-3224fax [email protected]

720 rehoboth ave.rehoboth Beach, de 19971

Coldwell Banker Resort RealtySkip faust302-227-5000 office302-745-8764 cellfax [email protected] Coastal hwyrehoboth Beach, de 19971

TATTOO STUDIO

Ancient Art Tattoo Studio, Inc.Peggi [email protected] 34410 tenley Ct. #1Lewes, de 19958

UTILITIES

Artesian Water Companygeorge Phillips302-453-6900302-684-2527800-332-5114fax 302-453-6957fax 302-684-5164 [email protected] Churchman’s rd.newark, de 1970228322 Lewes georgetown hwy., unit 4, Milton, de 19965

Tidewater Utilitiesgerard esposito800-523-7224302-734-7500fax [email protected] S. Little Creek roaddover, de 19901

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27

Always Caring. Always Here.

Nanticoke Memorial Hospital has partnered with Peninsula Regional’s Richard A. Henson Cancer Institute to offerhigh-quality cancer services in Seaford. Area cancer patients now have convenient access to a wide range of services:

• A full suite of therapeutic services, including medical and radiation oncology and infusion services

• Community and prevention education, plus Screening for Life

• The latest diagnostic technologies

• Oncology research and clinical trials

• Additional support services

For more information, call 302-628-6344or visit www.nanticoke.org.

We’ve joined forces to bring nationallyrecognized cancer care to Seaford.

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