Morning Star Business Report

Business ReportMorning Star

JANUARY 2009

Is Delaware on the path to energy

independence?

+ How Maryland slots could affect

Delaware+Valentine’s Day Gift Guide

Business Report | January 2009

Worried about the

Wall Street YoYo

Attend IFI Town Hall

Meeting

Recent events in the financial market place have left many investors reeling at the volatile ups and downs. Government intervention in the financial sector of our economy is being witnessed at a pace not seen since the Great Depression. Once venerablefinancial institutions have turned to “White Knights” or government protection to avert closing their doors. And now, account statements are starting to come in reporting portfolio declines that leave investors reeling.

We know you have questions and are looking for guidance during this period of uncertainty. To help our clients find answers and voice their concerns, we have introduced a limited series, Town Hall Meetings. Town Hall Meetings provide an opportunity where we can speak to the events in the market as we see them and hopefully address your questions.

We have reserved several morning, afternoon, and evening time slots over coming weeksand invite you to come share your concerns. Our officeis located at 135 Atlantic Ave., Millville, DE 19967 Please contact us at 302.537.8505 or email: [email protected] to schedule a time that is convenient for you.

Securities licensed associates of CAPITAL Asset Management Group Inc. are Registered Representatives of, and offer securities through NATIONAL PLANNING CORPORATION (NPC of America in Florida and New York) (NPC). Member FINRA/SIPC. Investment advisory licensed associates of CAPITAL Asset Management Group are Investment Advisor Representatives of, and offer advisory services through CAPITALInvestment Advisors, Inc. A registered investment advisory firm. CAPITAL Asset Management Group, Inc./CAPITAL Investment Advisors, Inc., Institute for Financial Independence, and NPC are separate and unrelated companies.

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[contents] 01/09

36How would

Maryland slots affect Delaware’s economy?

08 Chamber NewsUpdates on events and local

grand openings

14 marKeTINGJAYLA BOIRE explains how a blog

can be used as a marketing tool

16 GrowING bUsINess

18 INVesTINGJOHN E. GIROUARD discusses the

end of the “New Economy”

20 hIDDeN TreasUreJAMES DIEHL uncovers Delaware

Renewable Energy

22 bUILDING GreeN Building an environmentally

responsible home by CAROL KINSLEY

25 GreeN ForCe

28 GUesT CoLUmNBOB LIGHT of Flexera is hopeful

about the future of renewable

energy

29 GIFT GUIDeGift ideas for Valentine’s Day

30 heaLTh rePorT

40 FINaNCIaLJOY SLABAUGH on creating your

own personal bail out plan

41 reaL esTaTeRUTH BRIGGS KING discusses how

the housing market can help

boost our economy

4


Who’s looking out for your

Heart Health?

LEWES, DELAWARE www.beebemed.org

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PUBLISHERBryant Richardson

AdmInIStRAtIonCarol Richardson

EdItoRIAL dIRECtoRdaniel Richardson

ARt dIRECtoRCassie Richardson

ComPoSItIonElaine Schneider

tina ReaserRita Brex

SALESLaura Rogersdoris ShentonEmily Rantz

George BeauchampPat murphyRick Cullen

Brandon miller

CIRCULAtIonKaren Cherrix

ContACt morning Star Publications

302-629-9788P.o. Box 1000

Seaford, dE [email protected]@mspublications.com

Focusing on the ambition and innovation that makes Delaware businesses unique.

Please recycle this magazine

Business Report

[NEXT ISSUE]

| The state of local newspapers

| Find out how financial advisors are reassuring their

customers in uncertain times

| Hidden Treasures: The Brick Hotel

| Why local banks don’t need government help

VoL. 12 no. 5

from the editor

MORE ABOUT MORNING STAR’S MOVE

Daniel Richardson

T here has been a lot happen-ing here at Morning Star Publications over the last

month. We have just completed the move to new offices and could not be happier with our surround-ings.

The suite we purchased in the Home Team Realty building had three existing offices and one wide open space. An open floor plan may be a desirable feature in a residential house, but after 12 years in an open office with no privacy, no rooms to escape to – the only closing door being the bathroom – and a staff working on a weekly deadline, we knew we needed offices that were sepa-rated by walls in order to maintain our sanity.

R. L. Ewing Company, owned by Rick Ewing of Seaford, won the bid for construction and I can say without hesitation that we are glad he did. Rick’s crew did a fantastic job and had our offices finished and inspected in less than a month.

Just in time for us to take ad-vantage of Thanksgiving weekend to move the entire operation. Had construction lasted one more day, we would have had to pay another month’s rent.

Another company that has been a big help to us during our move is Telepathy Networks. Jason Silvis, president of the company, worked with me to ensure that transport-ing our entire network to the new offices would go as smoothly as possible. Being an information and media provider, our business could not operate if our network went down. Jason understood how important it was for our network to function the day we opened for business at the new location.

Even though we originally contracted with Telepathy just to provide our new VOIP phone service, they definitely went above and beyond for our business.

I do have a lot to say regarding our recent move, but I want to be sure not to ignore the significance of this issue of the Business Re-port. I feel very strongly that the pursuit of energy independence is vital to the Delaware economy, not to mention the positive impact on our environment.

I hope the editorial content in this edition will help demonstrate that not only can making environ-mental decisions and purchases for our businesses create jobs, they can also cut our energy bills and improve our bottom line.

6


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delaware is ranked fourth among the list of states that are leading an econom-ic transformation in adapting to an in-creasingly global, entrepreneurial, digital, and knowledge- and innovation-based new economy, according to the 2008 State new economy index, released by the ewing Marion Kauffman founda-tion and the information technology and innovation foundation at an event in Washington, d.C. to mark entrepreneur-shipWeek uSa.

delaware has held respectable spots on the State index issued in 1999, 2002 and 2007, making steady climbs with each updated and expanded index. ranked ninth in both 1999 and 2002, then seventh in 2007, the state rose again in the new rankings, placing fourth overall.

the index, sponsored by the ewing Marion Kauffman foundation, ranks the 50 states according to how their econo-mies are structured and their ability to operate effectively in order to compete nationally and globally.

It divides 29 indicators into five categories that best capture the new economy: knowledge jobs, globalization, economic dynamism, transformation to a digital economy and technological in-novation capacity.

the report also lays out an innova-tion-based policy agenda designed to help states succeed economically in turbulent times.

according to the index, delaware tops the ranking because of its high concen-tration of managers, professionals and college-educated residents working in “knowledge jobs.”

delaware’s companies are more geared toward global markets, both in terms of export orientation and the amount of foreign direct investments. delaware is at the forefront of the information technology and internet revolutions, with a large share residents embracing the digital economy.

a copy of the index can be downloaded.

Delaware among top five states transitioning to new economy

www.itif.org

7


chamber news Chamber Phone Key contact Dues* members Fax

Bethany-Fenwick 539-2100 Pamela McComas $205 825 539-9434

Delmar 846-3336 Diane Buckley $60 76

Georgetown 856-1544 Karen Duffield $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 Dela-ware chambers membership cost figure is for 1 - 5 members. For Delaware State Chamber special rate applies if business already belongs to another chamber.

Chamber unveils Business Wall of Fame

the Small Business alliance of the delaware State Chamber of Com-merce recently unveiled a permanent tribute to delaware’s small businesses in the Chamber’s Board room.

the “Superstars in Business Wall of fame” was installed to honor the past winners of the Chamber’s Marvin S. gilman Superstars in Business awards program, which celebrated its 10th anniversary this year.

a decade of past winners attended the unveiling ceremony.

the Superstars in Business pro-gram recognizes delaware small busi-nesses for their extraordinary accom-plishments and model approaches to business, management and quality in products and service.

representing businesses with 150 employees or fewer, the Small

Business alliance is the largest of the Delaware State Chamber’s five affiliates.

Colonial Parking’s founder speaks at luncheon

Colonial Parking founder and Chairman of the Board Dick Hatfield started his business parking cars at his gas station next to the allentown (Pa.) fair in the 1950s. today his company serves more than 45,000 parking patrons daily between Wash-ington, D.C. and Philadelphia. Hatfield credits his mentors with giving him the guidance to make the right deci-sions that led him to explore business opportunities in parking, development, cleaning and storage. Hatfield was the keynote speaker for the dela-ware State Chamber of Commerce’s Leadership Luncheon on Wednesday, dec. 3 at the hotel du Pont. the State

Chamber’s Leadership Series offers delaware businesspeople the oppor-tunity to meet and learn from promi-nent leaders in business, politics and the community.

Hatfield told the audience of 80 business leaders about the help he received, and the help that he in turn gave others. “anybody can do what they want if they put their mind to it -- and if you get a little help along the way,” he said. “if we can help some-one else, we should.”

Hatfield describes his leadership style as “management by walking around.” he visits Colonial’s lots regularly and makes sure that he gets to know his employees. now with his company parking 15 million cars a year, Hatfield passes his words of business wisdom to other budding entrepreneurs, including his sons who are carrying on the family parking tradition.

8


the Bethany-fenwick area Chamber of Commerce (BfaCC) held a virtual ribbon cutting recently for Jewels by Park Lane. from left are eileen hovan; Lois Saraceni; diane Koch; Barbara Keyser; Kristin Bennett; Marilyn Panagopoulos; Sue nilsson; Jennifer Pavik; and BfaCC Membership director, Carrie Subity. Jewels by Park Lane offers affordable, quality fashion jewelry. for more information call Lois at 302-858-1861.

Ribbon Cutting

www.myparklane.com/lsaraceni

9


the Chamber of Commerce for greater Milford recently held a ribbon cutting ceremony for friendship village located at 100 friendship village drive in harrington. from left are tom Cekine, owner; amie figarol, manager; rick Banning, owner; ashley freda, leasing consultant; Linda Chick, Chicks; rick Baxendale, site superintendent; and Jim Manna, CCgM board member. for information about friendship village, call 302-398-3203.

Ribbon Cutting

the georgetown Chamber of Commerce recently held a ribbon cutting ceremony for the new YWCa office located at 20155 Office Circle, unit 1 in georgetown. in the front row from left are Joan tyndall, Sergovic & Carmean; Brenda Whitehurst, YWCa Southern delaware market manager; helen Kruger, georgetown Chamber; Sarah Wyshock-Wolfe, YWCa program coordinator, Community Services; and ginny Marino, CeO, YWCa delaware. in the second row are Karen duffield, executive director, georgetown Chamber; Jan fraipont, Chamber president; norma elliott, georgetown Chamber; and Karen Pajewski, YWCa administrative assistant. in the back row are town Manager gene dvornick; town Councilman Charlie Koskey; Marlene elliott Brown, rural development Office; tim Winstead, Senator Carper’s Office; and toby givens, givens flowers.

Ribbon Cutting

10


the rehoboth Beach-dewey Beach Chamber of Commerce recently sponsored a ribbon cutting ceremony for the grand opening of Zen Salon & Wellness located at 17252 n. village Main Blvd, Ste. 11 in Lewes. Zen Salon and Wellness, which opened in January 2008, specializes in family chiropractic care, acupuncture, massage therapy, hair designs, organic hair coloring, waxing, manicures and pedicures. for more information, call 302-644-1792.

Ribbon Cutting

Direct Crematory opens Bennie Smith funeral homes

of delmarva has opened a new business, direct Crematory LLC, in dover. the generational shift in attitude towards cremation and the increase in popularity of crema-tion services prompted Smith to offer the services separate from his funeral homes, Bennie Smith funeral home. direct Crematory’s location in dover provides an ac-cessible facility for other funeral homes offering crematory services and provides traditional services directly to the public with or without the involvement of a funeral home. Cost and environmental concerns are the two main reasons crema-tion is gaining in popularity. for more information, visit directory Crematory at 717 W. division St. in dover, or call 888-678-8743 telepathynetworks.net

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Dean Design Marketing Group celebrates 25 years

dean design Marketing group celebrated its 25th anniversary in november.

Starting with just two clients, they now have offices in Lancaster and delaware and specialize in brand identity, healthcare marketing and website communications.

dean design helps regional companies grow their business and their audience by determining what is authentic and unique about each client and capitalizing on those strengths.

their approach to marketing is centered on striking a strategic bal-ance between verbal and visual communications. their goal for all marketing tools (websites, newslet-ters logos, advertising etc.) is that they must be highly memorable and effective in communicating a mes-sage.

“the majority of our work comes via word of mouth from satisfied clients – something which i find par-ticularly gratifying” says Jane dean, President and founder.

“Many of our clients have been with us for years and we’ve helped them grow and be successful, even as marketing has taken on an e-direction.”

Ms. dean was a well-known design instructor at York academy

of arts for nine years prior to joining Wentworth Publishing Company in 1980 as Creative director. in 1983, she recognized the need for a firm focusing on the visual aspects of marketing communications with an eye toward strategy.

front row l-r : valerie Buller, vice President Client Services; Lisa Miley, director, hospital design Services; Lori hess, Senior designer. Second row l-r: Bob dean, CeO; Jane dean, President; Jeff Beck, Senior designer; Carlos Centeno, designer; Sandy Wesch, accounts Payable;todd horst, it department; greg Yoder, Website designer

Denn orders cuts in workers’ comp premiums

insurance Commissioner Matthew denn has ordered new cuts to the workers’ compensation insurance rates paid by delaware businesses, the second such cuts in 2008. aver-age workers’ compensation rates will have been cut by more than 45 percent since nov. 2007.

the latest order requires that the state’s workers’ compensation insur-ance companies discount average

premiums by six percent each year in 2008, 2009, and 2010, and by five percent in 2011.

the cut was ordered to ensure that policyholders, rather than insur-ance companies, benefit from the impact of delaware’s new medical fee schedules for treatment of work-ers’ compensation injuries, which were part of a reform passed by the legislature in 2007. analysis by Commissioner Denn’s office found that proposed rates had not properly

accounted for workers whose treat-ments followed the implementation of the fee schedule on May 23, 2008.

denn said delaware employers should begin to see the impact of the latest rate cut order in 2009 as their workers’ comp policies come up for renewal.

Most policyholders have already seen reductions in their workers’ compensation rates due to the rate reductions that denn ordered in 2007.

12


a plan by the treasury and the federal reserve to improve market conditions for asset-backed securities – including those composed of SBa-backed small business loans – should be welcome news to credit-hungry small businesses across the country, said u.S. Small Business administra-tion acting administrator Sandy K. Ba-ruah. the plan establishes the term asset-Backed Securities Loan facility, or taLf, to breathe new life into a secondary market. the taLf would make loans to investors who purchase asset-backed securities made up of small business loans guaranteed by SBa, auto loans, student loans or credit card loans. as a result, lenders will find it easier to sell the loans they make, and use the proceeds of those sales to make new loans.

“this is a big step toward reviving a healthy market for investors who want to purchase secondary market loan pools of SBa loans. i believe it will help restore the flow of buying activity in what has been a disrupted second-ary market for SBa-backed loans and generate the liquidity lenders need to step up their lending to small busi-nesses. We expect these efforts to help free up the capital both brokers and investors need to purchase new SBa loans,” Baruah said.

“We will continue to work with the treasury and the federal reserve, and with our partners in the SBa lending industry to reinvigorate the secondary market for SBa guaranteed securities to help craft solutions to bring much needed capital to the na-tion’s small businesses,” Baruah said.

about $4 billion in securities backed by SBa-guaranteed loans are bought and sold in the secondary mar-ket each year, with the total outstand-ing amounting to about $15 billion.

at present, a share of the current year’s volume of loans securitized by lenders – estimated at up to $3 billion – is essentially frozen. the resulting lack of liquidity hampers the ability of some of SBa’s lending partners to make new SBa-backed loans. the loans that investors will receive from

taLf through this new action can be used to purchase these securi-ties from brokers. these follow steps already taken by SBa, including the recent emergency implementation of LiBOr as a base rate for SBa loans and the development of Weighted average Coupon pools.

Sperry Van Ness–Miller Commercial Real Estate(410) 543-2440206 East Main Street • Salisbury, MD 21801www.SVNmiller.com

• 4,807 Sq. Ft. of Medical/Office Space• 3 Offices with Windows• 7 Exam Rooms w/Sink & Cabinets• 3 Nurses Stations & 4 Restrooms

Contact: Brent Miller, CCIM or Rick Tilghman, CCIMhttp://Lease.SVN.com/WesleyDriveMLS # 427617

SALISBURY, MD│FOR LEASE

$12.00/Sq. Ft.

1415 WESLEY DR.

• 1,250 Sq. Ft. Office Space • 2 Offices• Open Work Area & Kitchenette• Private Bath with Shower

Contact: Brent Miller, CCIM or Rick Tilghman, CCIMhttp://Lease.SVN.com/2120WindsorDriveMLS # 438162

SALISBURY, MD│FOR LEASE2120 WINDSOR DR.

$930/Mo. NNN• 8,000 Sq. Ft. Retail Building on 2.73 Acres • Room to Expand Existing Building Size• Flexible floorplan• Highly Visible on US Route 13 Northbound

Henry Hanna, CCIM, SIORhttp://Sale.svn.com/OlsensWestoverMLS #427361

WESTOVER, MD│FOR SALEOLSEN’S ANTIQUES BLDG.

$699,000• FAA Approval, Hanger Bldg. w/6T Hangers• 2 Grass Runways 3150' and 2300'• Includes all Shop Equipment & Mowers

Henry Hanna, CCIM, SIORhttp://Sale.svn.com/BennettAirportMLS #427047

SALISBURY, MD│FOR SALEBENNETT AIRPORT

• Manufacturing/Warehouse• Pre-Engineered Steel with Split Face Block Office; Clearspan w/20’ Ceilings• Paved Parking and Truck Area• Multiple Drive-Thru DoorsContact: John McClellan, CCIMhttp://sale.svn.com/102ParkMLS #551363

SEAFORD, DE│FOR SALE

$1,275,000

102 PARK AVE.

• 2 Warehouse Units Available• Drive-In Doors and Truck Dock• Zoned Town of Delmar Light Industrial• Located in the G&M Sales Complex

Contact: John McClellan, CCIMhttp://lease.svn.com/8999OceanHighwayMLS #437628, 438370

8999 OCEAN HWY.

$5.50/Sq. Ft.• 5,000 Sq. Ft. Office/Warehouse • Warehouse Features 2 Roll-Up Doors & Parts Room• 2 Private Offices and Conference Room• Last Unit in ComplexContact: John McClellan, CCIMhttp://lease.svn.com/2040ShipleyMLS #437339

SALISBURY, MD│FOR LEASE2020 SHIPLEY DR.

$7.50/Sq. Ft.• 10,000 Office/Warehouse Flex Building • Full General Commercial Zoning• Fenced Yard Area • For Lease @ $ 5.50/Sq. Ft. • Convenient Location Just Off RT 13Contact: Chris Peek, CCIMhttp://Sale.svn.com/635_HomerMLS # 427375

SALISBURY, MD│FOR SALE

$475,000


• 1,283 Sq. Ft. Professional Office Space• 3 Offices, Reception Area, Large Open Area & File Room• Kitchenette, Restroom and Lots of Storage• End Unit Located in Winter Place Bus. ParkContact: Brent Miller, CCIM or Rick Tilghman, CCIMhttp://Lease.SVN.com/WinterPlaceParkMLS #439632


$12.00/Sq. Ft.

31400 WINTERPLACE PKWY.

• 1,600 Sq. Ft. Medical Office Space in Class A Medical Facility• On Atlantic General Hospital’s Campus• 3 Exam Rms., Break & Chart Rm., 2 Nurse Stations, Office, Reception & Waiting AreasContact: Brent Miller, CCIM or Rick Tilghman, CCIMhttp://Lease.SVN.com/JamesBarrettMedical MLS#441004

10231 OLD OCEAN CITY RD.

$18.50/Sq. Ft.• 13,000 Sq. Ft.• 24 Ft. High Ceilings; 14x10 Ft. Door• Sprinklered• Separate ADA bathrooms• Great Flex Space!Contact: Chris Peek, CCIMhttp://Sale.SVN.com/CrownSportscCenter13000MLS #436513

FRUITLAND, MD│FOR LEASEIN CROWN SPORTS CTR. FACILITY

$7.50/Sq. Ft.• 22,500 Sq. Ft. on 5 Acres• Truck Dock & Drive in Access• Sprinklered; Paint & Sanding Booths

Contact: Chris Peek, CCIMhttp://Sale.SVN.com/100EnterpriseMLS#429528

HURLOCK, MD│FOR SALE100 ENTERPRISE DR.

BERLIN, MD│FOR LEASE

$2,800,000

635 HOMER ST.

$995,000

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LAUREL, DE | FoR LEASE LAUREL, DE | FoR SALE LAUREL, DE | FoR LEASE

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10767 N. LAUREL PLAZA RD.

RoUTE 13 1801 DULANEY ST. PARCEL 23 RT. 13

134 BRooKLYN AVE. 10755 N. LAUREL PLAZA RD.

$1,694/mo

$2,500,000$3.50 psf +Utilities

$947,000

$625,000$1,390/mo

• 2,925 +/- sq. ft. retail/warehouse space available off busy Route 13• Stand-Alone Building• Office, restrooms, utility sink in warehouse• Two (2) 8’ Roll-Up Doors

Http://Lease.SVN.com/LaurelWarehousesContact Rick Tilghman, CCIM

• 22.7 acres of Prime Commercial Land• Corner Lot with High Visibility• City Services Available• Additional Contiguous Parcels Available

Http://Sale.SVN.com/SeafordRetailSiteContact Rob Harman, 302.462.0510

• Over 140,000 sq. ft. of distribution space• Logistics Support Offered• High Ceilings• Sprinkler System• Central Location

Http://Lease.SVN.com/PencoContact Bradley Gillis , CCIM

• 9.47 Acres• Located Directly On Route 13• Water and Sewer Available• Owner is able to complete a build to suit

Http://Sale.SVN.com/SeafordLandContact Bradley Gillis , CCIM

• 13,860 +/- sq. ft. building on .79 acres• Ideal for expanding church or light manufacture• Alley access to 3 Large Roll-up Doors• Adjacent Lot Included for Extra Parking/ Expansion

Http://Sale.SVN.com/OlliphantsContact Rob Harman, 302.462.0510

• 2,400 +/- sq. ft retail/warehouse space available off busy Route 13• Stand-Alone Building• Office with Restroom• Warehouse has 12’ Roll-up Door

Http://Lease.SVN.com/LaurelWarehousesContact Rick Tilghman, CCIM

410.543.2440206 East Main Street | Salisbury, MD 21801Delmar Office302.462.051038375 Old Stage Rd. | Delmar, DE 19940View all of our listings at www.SVNmiller.com

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

TALF to bring capital to nation's small businesses

13


By Jayla Boire

Before deciding whether or not a blog is a marketing tool, let’s get on the same page about blogs. What is a blog? A blog (short speak for “web log”) is a publicly accessible web site that is used to chronicle or keep a record of thoughts and ideas in reverse chronological order. While blogging may have begun as a form of open journaling, this communi-cation form has taken on new meaning as a marketing tool. Blogs have become a fast and efficient way to give your business an efficiently updated platform for discussion on the web…without waiting to make a detailed change to your website.

Is a blog a marketing tool? Yes, with one caveat. As with any marketing tool, a blog is only as good as its content and the utilization of the tool. And it must be part of an integrated communica-tions strategy. What this means is, if you’re blogging to help your clients or customers hear more about what you do and why they should work with your company, reflect on your message and the tool’s relative importance in your marketing plan.

Think strategically about how you want visitors to “see” you through your blog, the same way you thought about it when you created your web site or other marketing tools.

Blogs offer a communication device that lets business people educate their customers without being too “preachy” or sales-focused. You’ll find that blogs allow you to stay in touch with your business community, allow for web “conversation” and create communities that support your brand, service and position. Plus, blogs can be a great way to drive traffic to your web site.

Before you open your marketing blog for business, consider these directives:

Be prepared to write, and be pre-pared to write content that matters to your audience. Don’t journalize junk. If content isn’t valuable, no one will visit.

Set aside time to blog. A stale blog is no good as a marketing tool, and does a better job of turning “off” the customer and supporting community than bring-ing it closer to you. Your blog requires consistent attention! Decide how you’ll emphasize your business philosophy, customer relationships, or innovative

approaches in the blog. Are you a sto-ryteller? Do you want to promote good customer service? What is important to the blog visitor from whom you are try-ing to solicit interest?

Do you want a dynamic blog where everyone can offer opinions? Decide before you begin to blog; there is oppor-tunity for feedback and it doesn’t always have to be good. Consider what type of community you want to create and pro-mote your blog to those members that matter. One of the most positive benefits of a good blog is that visitors will feel as though they are part of a community.

Consider providing advice through storytelling about problems you’ve solved for customers or clients. Decide if you’ll link to other information, such as viral videos or pictures. Make sure the links and images reflect the qual-ity of your business or product. Avid, up-to-minute bloggers use their market-ing blogs as enablers, allowing for fast, effective communications with partners, prospects and customers. Blogging can build your reputation and brand, and is an effective marketing tool as one ele-ment of an integrated online marketing campaign.

Jayla Boire is a marketing maven, coach and consultant, living and work-ing in Wilmington.

A blog as a marketing tool?

marketing

As with any

marketing tool,

a blog is only

as good as its

content and

utilization of the

tool.

Wilmington University hosts donor reception

Wilmington university recently hosted a reception in honor of all the alumni, friends, and corporate sup-porters who contributed to the annual fund for the fiscal year of 2007-2008. these donations will be used to pro-vide scholarships for future students

and benefit current Wilmington Uni-versity students.

Over 70 donors gathered in the doberstein admissions Center au-ditorium on Wilmington university’s new Castle Campus to attend the donor reception.

guests enjoyed live music and fine cuisine while mingling with other donors.

davidson Samuels, a 2002 gradu-ate of the Master of Science in Com-munity Counseling program said he donated to the university because he wanted to give back to the school that gave him so much.

to learn more about Wilmington university’s annual fund or to make a donation, visit www.wilmu.edu/alumni.

www.rightidea.net

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302-629-3001 302-629-3001 www.penconstruction.com

Since 1935

in response to the credit crunch, SBa’s acting administrator Sandy K. Baruah announced important loan program changes to help the agency’s lending partners increase access to capital for small businesses.

First, an interim final rule allowing new SBa loans to be made with an alternative base interest rate, the one month LiBOr rate (London interbank Offered rate), in addition to the prime rate, which was previously allowed. recently, both the prime and LiBOr rates have not yet returned to their historical relationship of roughly 300 basis points between the two rates. the mismatch between the rates is squeezing SBa lenders out of the lending market, since their costs are based on the LiBOr rate.

the second change allows a new structure for assembling SBa loans into pools for sale in the secondary market.

The enhanced flexibility in loan pool structures can help affect profit-ability and liquidity in the secondary market for SBa guaranteed loans, especially with the current market conditions.

Because the average interest rate is used, these pools are easier for pool assemblers to create, thus pro-viding incentives for more investors to bid on these loans.

“the challenge small businesses face today is not the cost of capital, it is access to capital,” said Baruah. “interest rates are at historically low levels meaning money is inexpensive, yet lenders aren’t lending and borrow-ers aren’t borrowing. this indicates markets are frozen due to liquidity concerns. This interim final rule is an

important step to reenergize the lend-ers to make SBa-backed loans and will help open the gateway of capital for entrepreneurs.”

By addressing market issues that were impeding the funding streams for both lenders and small businesses,

SBa is making capital more available to america’s small businesses.

for more information on the interim final rule or to share your comments, visit www.regulations.gov. to learn more about SBa’s guaranteed loan programs, visit www.sba.gov.

SBA makes changes to help small businesses

15


growing businessTwo join Hook PR Group

James diehl, a longtime Sussex County journalist, and veteran editor Pam george have joined hook Pr group, a full-service communications company based in georgetown. James diehl worked as a writer and editor at the daily times in Salisbury, Md., before serving as manag-ing editor for two separate Sussex County publications. he specializes in in-depth reporting, creative copywriting and public relations. Pam george is an award-win-ning writer and editor whose work has ap-peared in publications such as uS airways Magazine, fortune, Men’s health and the Christian Science Monitor. She is also the dining editor of delaware today magazine.

hook’s talent also includes Pr consul-tant Larry nagengast, bilingual journalist Patricia v. rivera and business writer an-nette Silva. these journalists have worked most or all of their careers in delaware.

the company offers free brainstorming sessions, time spent with local business leaders to discuss how to get their name and message before the general public. Through its affiliation with Delaware-based BilCom inc., a translation company, hook Pr group offers clients the opportunity to reach the hispanic population.

a menu of services and special pack-ages are available at www.hookprgroup.com or by calling 302-858-5055.

Glynn joins AB&Caloysius Butler & Clark (aB&C) contin-

ues to grow its online marketing and web development depart-ment with the addi-tion of robert glynn, a web applications developer. glynn’s decade of experi-ence complements the web team’s broad skill set, which

includes search engine marketing, sys-tems integration, web design and content management solutions.

he has developed websites and desktop applications for companies based in new York, new Jersey and delaware. glynn attended Brooklyn College in Brooklyn, n.Y., and is a member of the association of information technology Professionals (aitP) and the internet Society (iSOC).

aB&C (www.a-b-c.com) is a 37-year-old communications agency established in business-to-business and consumer marketing.

Guerke appointed branch managerdelaware national Bank announces that

Casey guerke has been appointed assis-tant vice president and branch manager of the Middletown Branch.

guerke, who joined delaware national Bank in Sept. 2008, attends Wilmington university where he is majoring in busi-ness management with a minor in finance.

guerke, who is a member of the Middle-town Chamber of Commerce, resides in dover with his family.

DEDO director earns certificationJudy McKinney-Cherry, director of the

Delaware Economic Development Office, recently earned the designation of Certi-fied Economic Devel-oper, a recognition that denotes a mastery of principal skills in economic develop-ment. the Cecd exam was held in conjunction with the international economic develop-

ment Council’s 2008 annual Conference in atlanta, ga.

nominated by governor ruth ann Min-ner and confirmed by the Senate as the first female cabinet secretary and director of the delaware economic development Office in Oct. 2002, McKinney-Cherry is the first director of DEDO to hold the prestigious certification. With 16 years of economic development experience, McKinney-Cherry has directed a results-producing strategy for the Office. Working with governor ruth ann Minner, she has increased available capital for economic development initiatives from $10 million annually to more than $50 million annu-ally. She has led the team impacting 15 percent of delaware’s workforce (65,000 jobs), directly influencing more than $1.5 billion of private investment and impacting $88.5 billion in delaware’s economy over a five year period. The CEcD designation recognizes qualified and dedicated practi-tioners in the economic development field and sets the standard of excellence within the profession.

Nanticoke welcomes Dr. Guptananticoke Memorial hospital announces

that dr. abha gupta, who specializes in Obstetrics and gy-necology, has joined nanticoke Women’s health Center located at 1309 Bridgeville highway.

dr. gupta, who is board certified by the american Board of Obstetrics and gynecology, is accepting new patients.

gupta graduated from Punjab univer-sity, Christian Medical College, Punjab, in-dia. She trained as an OB/gYn physician and was an associate professor of Obstet-rics and gynecology before moving to the

Gupta

mcKinney-Cherry

Guerke

Glynn

16


united States. after earning a master’s of public health at the Medical College of vir-ginia, virginia Commonwealth university, dr. gupta completed a residency in Obstetrics and gynecology at the university of Medi-cine and dentistry of new Jersey in newark, n.J. her professional memberships include the american College of Obstetricians and gynecologists and the american associa-tion of gynecological Laparoscopists.

Hicken obtains license rob hicken of robert hicken & associ-

ates affiliated with RE/MAX Realty Group in rehoboth Beach is now licensed to sell real estate in South Carolina. rob will maintain both his delaware and South Carolina licenses. He has affiliated himself with another re/Max real estate agency, island realty, located on Main Street in hilton head where he will specialize in residential real estate and resort properties. hicken has a master’s degree in human relations from Wilmington university and is an ac-credited Buyer representative (aBr).

he is currently completing his CrS (Certi-fied Retirement Specialist) designation. Rob is a recognized leader in the practice of online real estate and has received re/Max awards for the past three years for high-earned commissions. to reach rob, call 302-228-5255 or visit www.BeachhomesBy-rob.com.

Purcell joins Nason Constructionnason Construction has hired Mark S.

Purcell, aia, CCM as business develop-ment manager and project executive.

Purcell has more than 17 years of experience in the construction indus-try. he is a regis-tered architect and certified construction manager who specializes in program

management. Purcell formerly served as senior associate with the Philadelphia office of Heery International. Purcell is the co founder and president of the delaware valley green Building Council and the chairman of the Westtown township (Pa) Planning Commission, and has particular expertise constructing LEED Certified projects that focus on sustainable design and energy efficiency.

Research company expands adesis, inc., a contract research orga-

nization serving the pharmaceutical and biopharmaceutical industry, is expanding in delaware with help from the state. the Delaware Economic Development Office (dedO) awarded adesis a performance-based grant for $90,000 and a loan for $500,000 from the delaware Strategic fund to assist in expanding adesis’ exist-ing laboratory space and scientific base. the investment will create 23 new high-wage jobs by 2010.

When adesis applied for the delaware Strategic fund in 2007, the company employed 39 professionals. adesis im-mediately increased professional staff to meet the demand of new contracts. the company now employs 50 profes-sionals, contributing $4.9 million directly to delaware’s gross domestic Product, representing an increase of $700,000 as a result of the recent hiring. With plans to add at least 12 more positions by 2010, the investment will generate an additional $1.9 million in economic activity. adesis is contracted by pharmaceutical, biomaterial or biotechnology companies to strategize and implement chemistry functions, mostly organic synthesis. for more information, visit www.adesisinc.com.

Bayhealth’s services expands Bayhealth Medical Center’s retail

Services continues to expand with the pro-motion of Cindy Schaap of Milford to retail

manager/buyer. an eight-year Bayhealth employee, Schaap previously served as gift shop coordinator for Reflections Gift Shop which is supported by the Milford Memorial hospital auxiliary.

in her new role, Schaap is responsible for selecting, merchandising and develop-ing product assortments for all of the retail stores at both Milford Memorial and Kent general hospitals.

Bayhealth is the only hospital in dela-ware planning to implement multiple retail concepts at each campus.

the shops will include convenience and health-related items for patients and employees, as well as gift items and services not typically seen at hospital gift shops. there are three new stores at Kent general hospital, including a gift & floral Store and café, a store for Mom & Baby and a store to help provide for the needs of emergency department visitors and patients.

Lyons Companies one of fastest growing companies

inc.com, the online arm of inc. magazine has announced its annual ranking of the 5,000 fastest-growing private companies in the country.

the list is the most comprehensive look at the most important segment of the economy – america’s independent-minded entrepreneurs.

Wilmington based Lyons Companies was one of 21 delaware businesses on the list and ranked 53 out of the 100 fastest growing businesses in the Pa-NJ-DE-MD region. No.15 in a field of 48 insurance-related businesses nationwide, Lyons Companies is a risk management and insurance brokerage firm offering commercial insurance, employee benefits consulting and personal insurance.

the company is headquartered in Wilm-ington, with offices in Bethesda, Md. and rehoboth Beach.

Purcell

17


By John E. Girouard

The Great Bailout of 2008 and the end of Wall Street as we’ve come to think of it mark the end of the once-vaunted New Economy.

After decades of financial hocus pocus, inept regulation, and corrupt governance, this historic inflection point suggests we’re ready as a culture and an industry to return to some basic values of the old ownership economy, the one that sustained our parents and grandpar-ents through thick and thin.

For those who weren’t around back then, and as a reminder to those who were, once upon a time in middle-class America: You saved your money at the nonprofit credit union or mutual sav-ings bank, where you were a member or owner instead of a customer, and where you went to borrow money for a car or college tuition, at favorable rates.

The predominant form of life insur-ance was called participating or mutual whole life, where policyholders auto-matically were mutual owners of the-company, your premiums accumulated like cash in a bank, you earned tax-free interest on the balance, you could bor-row the money back any time no ques-tions asked, and if you repaid the loan, you were repaying yourself.

You got your mortgage from the local savings and loan company where the loan officer might be a member of your church, you had to put down 20 percent cash, and you had to document every cent of your income.

You bought a house you could afford, to live in not as an investment, and you worked extra hours and jobs to pay off the mortgage.

You bought a car you could afford, and drove it until long after you¹d paid off the loan.

Investors bought stocks that paid reli-able dividends and held on to them for the long term allowing them to earn the best return with the least amount of risk.

What went wrong? Under the banner of free-market

economics, we destroyed the ownership society enjoyed by all and replaced it with an ownership cabal controlled by few.

We have steadily given up ownership of our financial futures in our quest for bigger, speedier returns.

At the start of the 1980s, Congress allowed banks to go into the real estate speculation business, banking became highly profitable, and investment bank-ers, who know that the best way to rob a bank is to own one, discovered a gold mine in persuading the directors of mutual savings banks, credit unions, and

mutual insurance companies to go pub-lic, turning the members, policyhold-ers, and owners into mere customers of companies who now served the interests of shareholders. The result was predict-ably disastrous as the thrift industry was virtually wiped out, the taxpayers paid billions in bailouts, and a parade of bankers went to jail.

Here we are again, but this time it’s systemic and global.

Here’s the good news: some of the ownership vehicles that sustained our parents and grandparents are still around.

There are nonprofit, member-owned credit unions in every community, open to anyone who wants to join.

Mutual life insurance policies are enjoying renewed interest as people dis-cover that, as a policyholder-owner of the insurance company, you earn inter-est on the premiums you pay, and you can borrow your premiums back. It’s like owning your own bank.

Let’s hope the silver lining of the Great Bailout of 2008 will be that we wake up as a nation, admit we let ourselves be blinded by our impatience to get ahead in a hurry, and get back to the basics of becoming a true ownership society.

John E. Girouard is author of The Ten Truths of Wealth Creation, CEO of Capital Asset Management Group in Bethany Beach, DE, and founder of the Institute for Financial Independence.

Back to the ‘old’ economyinvesting

We have steadily

given up

ownership of our

financial futures

in our quest

for bigger,

speedier returns.

Camden Metals awardedthe team from Camdel Metals was

awarded Dale Carnegie’s first annual Best darn team award december 8, in dover.

By vote of class members from Kraft foods, hanesbrands, and dixon valve, the

Camdel team was judged to have made the most significant impact at their com-pany by applying the principles of leader-ship and human relations practiced in the dale Carnegie Course. Congratulations to Camdel Metals team members; James

andre, don Boucek, Colin Lehane, Brian tappan, robert vaughn, and John Walker.

the award will stay with Camdel Met-als until the fall of 2009 when it will either be defended or surrendered to the Best darn team of 2009.

www.johngirouard.com

18

[inside]

HIDDEN TREASUREDelaware

Renewable Energy

+Building Green

+Chamber Green Force

GUEST COLUMNBob Light of Flexera


hidden treasure

She walked into Jason Topercer’s office last year carrying a large bundle of utility bills and plopped them in the middle of his desk. It was a crisp autumn day and Topercer, a bit

surprised, wasn’t quite sure what to think of the sudden disruption.Was she angry? Was this going to be one of those days when he

wished the weekend were much closer at hand? Why would a former customer bring him bills that were due another company?

It turned out to be a day Topercer, a partner in Rehoboth Beach based Delaware Renewable Energy Co., would never forget – but in a good way.

By James Diehl

It’s all about the

green

20


“She brought all those bills in, put them on the desk and asked us how she could help us sell more of our product,” topercer remembers. “She said she hadn’t had a balance in four months and she wanted us to use her bills for marketing purposes. She wanted to do whatever she could to help us out.”

it was not an isolated incident. With the nation embroiled in its biggest financial crisis in decades, topercer and the other four partners in delaware renewable energy are watching their business grow with each passing month. a big reason for their success is financial incentives offered by the state of delaware to any homeowner, or business, willing to make an investment in so-called “green” energy.

today, as much as 50 percent of the cost of a qualified renewable en-ergy system can be offset by money collected by delaware’s electric utili-ties and managed by the delaware Energy Office. The money comes from charges assessed to all electric-ity customers in the state.

“the green energy program we have in delaware right now is one of the most progressive in the country,” says Justin healy, another partner in the company. “there are a lot of people who are really starting to look into forms of renewable energy…i love the fact that we’re doing our little part to not buy as much oil from foreign countries.”

in 2008, delaware ranked sixth in the nation in the number of renew-able energy installations per capita, trailing California, new Jersey, arizona, new Mexico and hawaii, according to data from the interstate renewable energy Council.

topercer says potential customers call his company for two reasons: the possible savings and/or “feel good” objectives.

“the main thing that attracts people is the financial side of moving toward renewable energy,” says to-percer. “they look at their power bill and they want to save money. When people look at how much money they can get back through savings and through these renewable en-ergy credits they get from the state, they’re like ‘wow.’ We’re going to give them around a 10 percent return on their investment.”

There is a significant upfront investment in installing any type of renewable energy system, but it’s an investment that can pay a hom-eowner back many times over in the long run.

Because of the initial financial out-lay, however, most renewable energy installations have been undertaken by businesses thus far in delaware. But nationwide, the trend is begin-ning to move more toward individual homeowners.

topercer, healy and the rest of the management and staff at dela-ware renewable energy hope that trend continues into delaware in the months and years to come.

“We love that we’re not only do-ing something that is profitable, but something that also has a good goal in mind, which is reducing our depen-dence on foreign oil and decreasing the amount of pollution that people put into the air by using classic energy sources,” says healy. “You’re saving money and doing something that feels pretty good, which we think is terrific.”

delaware renewable energy installed about 70 systems in 2008. Most of them were photovoltaic, or solar, installations, but the company does install wind turbines and solar thermal systems as well.

their installers tend to be pretty popular in the neighborhoods they service.

“Customers see, by and large, almost instant savings on their ac-count. they’ll come up to us and say things like ‘You promised me a 40 percent savings on my power bill and i’m getting 50 percent,’ ” says topercer.

“a lot of times the return is actu-ally greater than they expect so we have a lot of customers coming back to us extremely happy.”

Some more than others.“i had a customer come over to

us [last year] and hand me a bottle of wine,” says topercer with a chuckle. “his power bill showed a negative balance and he was so happy. he actually had a 170 kilowatt credit on his account.”

formed less than two years ago, delaware renewable energy has continued to grow even in a world-wide economic downtown.

healy and topercer say that’s mainly because of their product, and accompanying financial incentives from the state of delaware and the federal government.

“right now we employ 10 people and that’s 10 jobs that have been created because people believe in [renewable energy] and are helping us grow,” says healy. “We expect to double that in the next year, hope-fully more than that.”

if so, it may be time to buy a nice new set of wine glasses.

21


By Carol Kinsley

Despite a significant drop in the cost of per barrel of crude oil, en-ergy prices can only be expected to increase, so it makes sense, eco-nomically and environmentally, to save energy when and where you can. Businesses as well as consumers are feeling the pinch of the recession, but investment in energy savings will pay for itself in the long run.

there are government programs and incentives to encourage energy savings as well as production of en-ergy from renewable sources such as wind power and solar. the "emergen-cy economic Stabilization act of 2008" extends tax credits for energy efficient home improvements such as windows, doors, roofs, insulation, hvaC and non-solar water heaters. these tax credits for residential products had expired at the end of 2007, but will be available for improvements made during 2009. home improvements made during 2008 are not eligible for a tax credit. a list of eligible improve-ments can be found online at www.energystar.gov/index.cfm?c=products.pr_tax_credits.

the energy Star Web site also provides commercial building opera-tors with free tools to manage energy consumption. it's important to do things in the right order, according to energy Star. eliminate wasted energy, for example, before installing a new hvaC system. You may not need as large a system as you thought.

if you are building a new home or business facility, there are several ways to "go green" and save energy. "green building" is the practice of increasing the efficiency with which buildings use resources — energy, water and materials — while also reducing building impacts on human health and the environment. green building follows the entire life cycle of a building from site selection, design, construction, operation, maintenance and ultimately removal. Some steps are as simple as taking advantage of renewable resources such as passive solar by using sunlight for natural light-ing. Plants — and even trees — are used in "green rooftops" to reduce

heating and cooling costs and also decrease runoff from rain. Perme-able surfaces such as packed gravel replace concrete or asphalt in parking areas.

green building materials include rapidly renewable plant materials such as lumber from sustainably managed forests or recycled products. Zero energy is the name of a relatively new construction company in Lewes, del., located at 34634 Bay Crossing Boulevard, which uses green build-ing techniques. Lance Manlove said Zero energy is an offshoot of echelon Custom homes where he was been working for about three years. Man-love holds an engineering degree from the university of delaware.

"We'll complete our first house in february, and we have a couple of others under design," he said.

"typically, we concentrate on build-ing the envelope of the house. that's the most important thing we can do to make a house energy efficient. We increase the insulation and change

Building green

...may b e e a s i er t h an y ou t h ink

22


building techniques in a number of ways," he explained. "We use iCf — insulated concrete forms — which are very energy efficient. Or, we use typi-cal wood frame construction but use spray foam insulation and exterior rigid board insulation to make the house very tight and energy efficient.

"the whole idea is to design a home that is placed properly on the lot, with proper sun orientation to maxi-mize the heat gain and shading during summer months," Manlove continued. "Window locations and window glazing are important. We use high efficiency windows that don't allow heat to come through."

each home is customized to its location, he added. "they're not cookie cutter homes."

Other characteristics of a Zero energy home include:

• Passive solar design that takes advantage of low angle winter sun to heat the house and techniques that mitigate the high angle of the summer sun to keep the house cool.

• Conditioned crawl and attic space.• High performance windows, sized

properly to reduce heating and cooling requirements.

• Renewable energy systems such as solar electric generation, solar hot water, wind power and micro-hydro. Solar panels can pay for themselves in seven years.

• Geothermal heat pump to use groundwater to heat and cool the house.

• PEX plumbing system controlled through a central manifold system. each line has a control valve that can be shut off during maintenance without shutting down the water supply to the entire house. a Pex system reduces the amount of water used in the house and makes hot water heating more efficient.

• A tankless hot water system can be used as stand alone or as a backup to a solar hot water system.

Combining cutting-edge, energy-efficient construction methods and energy Star rated appliances with commercially available renewable energy systems results in a home that produces its own energy, making it energy independent. even though the home might be connected to a utility grid, it may have a net zero energy consumption from the power company. in simple terms, this means a zero or near zero energy bill at the end of the month.

for more information on how this is possible contact Manlove at 302-228-0901.

ted Layton of Layton Construction inc. in Camden Wyoming, del., has started using arxx walls for improved energy efficiency in homes his com-pany builds. arxx walls are 12 inches thick, comprised of 5 inches of poly-styrene insulation on the exterior, 6.5 inches of concrete in the middle and half-inch drywall on the interior.

"the system provides r50 or great-er, compared to 2 by 4 framing of r13 or less," Layton said. "this system saves 80 percent on heating or cooling costs." r-value measures resistance to heat loss by conduction.

So far he has built three houses us-ing the arxx walls, with one customer in the home already.

the arxx walls are available for new construction in both commercial and residential buildings. Layton is working on six contracts for com-mercial buildings and has two more residences to start early next year.

Layton also uses noritz tankless hot water heaters, which reduce water heating costs by 25 percent. he dou-bles attic insulation above code and uses Energy Star compliant fixtures

and light bulbs. he recommends 13 Seer air conditioning units which have a 98 percent efficiency.

Layton says he can provide energy saving packages (eSP) of 12, 25 60 or 90 percent, depending on the customer's wishes. the most common eSP Layton Construction builds is 60, which includes the arxx walls and everything else except solar.

Can't afford to remodel for the sake of energy savings?

There are many small steps you can take at home or work that will add up to fewer kilo-watts used.• Turn off unused appliances, lights and equipment. A power strip will allow you to turn off computers and printers which use energy while standing on but idle. • Turn down the thermostat a degree or two in cold weather and put on a sweater. You can reduce costs of heating your home by 5 percent by turning down the heat just two degrees. A programmable thermostat will adjust the heat automatically so you don't wake, or come home to, a cold house. In the summer, you can save up to 3 percent for each degree the thermostat is set above 72 degrees. • Put a programmable thermostat on your hot water heater. If your water heater is older than 10 years, wrap it with an insulating blanket. • Replace regular incandes-cent light bulbs that are used more than two hours per day with compact fluorescent light bulbs. They use approximately 75 percent less electricity than regular light bulbs, are four times brighter and last up to seven years.

23


Layton has been in business for eight years. Located at 91 Brenda Lane in Camden, Layton can be reached at (302) 698-5253.

tull ramey is another green builder in delaware. Located at 107 Pennsyl-vania avenue in Seaford, tull ramey uses structural insulated panels, or SiPs, not only for exterior walls but for roofs, ceilings and floors. R-Control SiPs are made from engineered wood facings laminated with structural grade adhesives to termite resistant expand-ed polystyrene rigid insulation. SiPs can be used in residential as well as commercial uses.

r-Control SiPs are manufactured in various thicknesses with values of r-15, r-23, r-37 and r-45. in use for 30 years, SiPs offer unlimited design possibilities, superior strength, state-of-the-art energy efficiency, lower labor costs and termite protection. SiPs are easy to use, fast and efficient, making construction up to 50 percent faster than stick framing. the panels also reduce waste and theft at the job site.

SiPs meet or exceed all structural and fire code regulations and can be additionally protected with frame-guard Coating to protect the OSB facings from termites, mold, mildew and decay.

Steve tull, said, "in all the research i've done — and i've been building for 30 years — the r-Control panels offer a super high efficiency package. It's the air that blows around insulation, the leakage, that hurts energy effi-ciency. With SiPs, the exterior of the home is sealed. in fact, it's so tight that we have to put a fresh air exchanger on the hvaC.

"the other exciting thing is that use of SiPs reduces the carbon footprint of a structure," tull added.

"Structurally, r-Control is far superior to stick framing. it has been documented to withstand Category 4 hurricanes and earthquakes of 7.2 magnitude. r-Control SiP structures also have withstood tornados in ten-nessee and straight line winds and tree trunks crashing into them in Michi-gan," tull said.

"this is not new technology. it's been around for 25, predominantly west of the Mississippi. Some houses have been built locally, but no one has grabbed the bull by horns. We have done that this year, utilizing this prod-uct in new construction. We are the exclusive dealer for r-control panels on delmarva." tull can be reached at 302-628-5232.

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24


the rehoboth Beach-dewey Beach Chamber of Commerce is a pioneer among Chambers of Commerce in delaware. the Chamber green force was launched in february of 2008. Carol everhart, President and CeO of the rehoboth Beach-dewey Beach Chamber of Commerce founded the green force after attending an energy summit sponsored by delaware Sena-tor, tom Carper.

"the goal of the green force is to encourage and reward responsible energy practices among our mem-bers" says Joy Sellers of the rehoboth Beach-dewey Beach Chamber. "the response has been great, but we are hoping for more participation in 2009." Sellers added that the chamber is planning to meet with its members to discuss ways to promote this program

in the coming year. to date, incentives for participating in the program include recognition on the chamber's web site and monthly newsletter. a visit to the web site will explain what each partici-pating member is doing to contribute to energy efficiency and conserva-tion. from recycling cans and paper to installing solar panels, the members of the RBDBCC are finding ways to con-tribute to responsible energy practices. Many chamber members are using non-conventional methods to conserve energy. fins fish house, for example, uses carryout containers made of sugar cane. Other members like Inner Reflec-tions day Spa went the practical route and refurbished old furniture instead of buying new. the rose garden even of-fers their customers an incentive to stay green by offering a 15% discount to

shoppers that use canvas bags instead of plastic.

Of the chamber's 1300 plus mem-bers, there are 53 recognized partici-pants in the program. to participate, a member business should cater to "greening" by recycling, the sale or use of environmentally sensitive products and procedures, or other earth friendly service. Consumers that are concerned with issues of conservation and respon-sible energy practices are encouraged to go to the chamber's web site to find out which businesses in their commu-nity are members of green force.

to join the rehoboth Beach-dewey Beach Chamber of Commerce, or to add your greening efforts to the Cham-ber's growing list of contributers, please contact Carol everhart or Meghan Mc-Calley at 302-227-2233.

May the force be with youPhoto Piotr Bizior

25


Clear Channel Radio plans Great Green Expo

Clear Channel radio delaware announces that the Partnership for the delaware estuary is the of-ficial beneficiary of the 2nd Annual delaware great green expo to be held March 21 at the Chase Center on the riverfront.

Clear Channel radio delaware created the expo to highlight local and regional businesses and agen-cies that offer “green” solutions and contribute to healthier, more sustainable lives.

The Partnership is a non-profit organization established in 1996 to take a leadership role in protect-ing and enhancing the delaware estuary, where fresh water from the delaware river mixes with salt water from the atlantic Ocean.

Staff works with partners in three states to increase aware-ness, understanding, and scientific knowledge about the delaware es-tuary, the region’s most important cultural, economic, and recreational resource.

Last year the expo featured over 70 businesses and organizations offering products and services for a green lifestyle.

the expo will also feature actor and activist, ed Begley Jr. who will be available for a meet and greet and speak about the importance of going green.

for information about vendor opportunities, contact Martha Burns at 302-395-9820 or [email protected].

Delmarva Power lands wind power for Delaware

delmarva Power’s proposed contracts to buy up to 170 mega-watts of energy from soon-to-be-built, land-based, wind projects in Maryland and Pennsylvania were approved recently by the delaware Public Service Commission, mak-ing the utility one of the first in the region to meet one state’s more stringent clean energy goals.

“With the approval of these land-based wind contracts – cou-pled with the recently-executed Bluewater Wind offshore contract – delmarva Power has a solid plan to meet delaware’s goal for 20 percent of our customer’s energy

needs to be met with clean, re-newable sources by 2019,” said delmarva Power region President gary Stockbridge.

highlights of all of the approved wind power contracts include:

• A 25-year agreement to buy up to 200 megawatts from a wind farm located off delaware’s coast, which would be built by Bluewater Wind delaware LLC by 2015.

• Two, 20-year contracts with An-napolis, Md.-based Synergics Wind energy for up to 100 megawatts of wind energy and renewable energy credits. the wind farms, slated for completion in 2009 and 2010, would be built on land in western Maryland.

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ton, va.-based energy supplier aeS Corporation for up to 70 megawatts of wind energy and renewable en-ergy credits.

the wind farm, slated for com-pletion in 2009, would be built on land in north central Pennsylvania.

“When we set on this course, we wanted to increase the amount of renewable energy in our supply mix, we wanted to start that sup-ply as soon as we could and we wanted to do it at the least cost and risk to our customers.

By approving these land-based contracts, the Commission has al-lowed us to reach all these goals,” said Stockbridge.

Artesian Water installs solar power

artesian Water Company has installed a solar power system at its Big Oak Water treatment Plant as part of a company-wide ef-fort to improve energy efficiency and cut costs by reducing electric consumption.

the roof-mounted system will produce approximately 25 kilowatt hours per day on average, which will offset a portion of the total pow-er needed to run the Big Oak plant. the facility treats water for several subdivisions south of Smyrna.

“We were limited by the size of the roof, but the electricity we can produce will still result in a signifi-cant energy savings,” said Barry Price, a senior project manager at artesian. “the system should pay for itself within five years, thanks

to a state grant that covered 50% of the construction cost and a 30% federal tax credit.”

the company is also exploring renewable energy opportunities at other sites.

Artesian has identified several green initiatives for new construc-

tion, including the recycling of water from analyzers and filters, use of drought-tolerant landscaping, energy-efficient equipment design, use of “green” building materials and renewable energy, and the goal of achieving Leed or other certification.

27


By Bob Light, CEO of Flexera

Flexera designs and installs renew-able energy systems for both residential and commercial clients. The most popular of these energy saving systems are solar photovoltaic panels and wind turbines which have been gaining a lot of popularity because of their effective-ness in reducing energy costs and their ability to bring energy independence to consumers. We are also seeing a significant increase in demand for our solar hot water systems and, solar hot air systems which utilize the solar energy to offset fuel costs for hot water and forced air heat.

Flexera is headquartered in Harbeson Delaware. Our team includes two elec-trical engineers, three mechanical engi-neers and very strong technicians that makes-up our installation teams.

We credit much of our success to our team’s passion for reducing carbon emissions and creating new opportuni-ties for renewable energy industries. We are committed to green energy edu-cation, development and opportunities.

We also teach an alternative energy course at Delaware Technical and Community College and are in the process of installing education sized alternative energy systems for them. We have even launched a program to volunteer time to visit class room set-tings throughout Sussex County and are currently working on extracurricular renewable energy projects with some local schools.

The most exciting aspect of this is that our staff is driving most of this activity and championing these fantas-

tic opportunities. It has created a very energetic and ultra-creative environment in our office.

With the growing demand for renew-able energy expertise services Flexera has continued expanding our operations to cover all of Delaware, Maryland and Pennsylvania with the added ability to reach beyond these areas into most of the mid-Atlantic region.

We are ending the year with the great honor of receiving a Delaware Department of Energy grant to design and produce a 3.5 kilowatt vertical windmill with increased efficiency and output.

At the completion of this program, Flexera will begin manufacturing these vertical windmills locally creating new opportunities for our community. The 3.5 kilowatt wind turbine will be quickly followed by a smaller one that will be well-suited for residential applications. These are exciting times for green ener-gy. The perception that technology once considered unattainable is now becom-ing mainstream has taken hold and folks are realizing it is affordable through grants and tax credits.

Part of this mental shift has been brought on by the skyrocketing cost of energy and the realization that we

need to reduce CO2 which is causing global warming. All of these factors have increased government and public awareness of the need to replace non-renewable energy resources with cleaner and sustainable energy systems that will improve our environment and build new economic growth and stability.

This new terrain is helping consum-ers realize that we have choices and the ability to mold a better future by invest-ing in renewable energy related indus-tries, research and technologies.

These new opportunities will cre-ate new green-centric jobs, increase economic growth and meet environ-mental needs which will catapult us to a remarkable future. What I am hoping we will see in 2009 is a federal government that launches a new initiative to build more renewable energy infrastructure and create jobs that stimulate the econ-omy. The government also needs to continue with seed money for grassroots programs to continue that growth.

I know it sounds overly optimistic, but consider what we have.

We have well educated, creative and very capable people, the means and fortitude to make this work and a reestablished public expectation that our government will take on the responsibil-ity in formulating the necessary legisla-tion and stewardship. That combination will remove many of the road blocks needed to make this work in a timely, cost effective manner.

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health report

Bayhealth welcomes dr. Kim B. glover

Kent general hospital announc-es the addition of Kim B. glover, Md, to the department of Obstet-rics and gynecology. dr. glover received her medical degree from the university of Maryland, School of Medicine.

She completed an internship/residency at howard university, and later completed her residency in obstetrics and gynecology at george Washington university in Washington, d.C.

Before joining Bayhealth, dr. glover worked in a multi-specialty

group and later had her own prac-tice. She later joined delmarva ru-ral Ministries of dover and served as their interim medical director and chief medical officer. She is cur-rently the director of women’s ser-vices at delmarva rural Ministries.

Dr. Glover is board-certified by the american Board of Obstetrics and gynecology. She is a fellow of american College of Obstetrics and gynecologists and a member of american Medical association and american Society of Microbiolo-gists. dr. glover is practicing with delmarva rural Ministries. She is seeing patients at her office located at the Kent Community health

Center of delmarva rural Ministries located at 1095 South Bradford St. in dover.

dr. glover

Webcam links mother and father for special delivery

One week after learning she was pregnant with her first child, Stephanie foltz found out her husband would be deploying to afghanistan before the baby was born.

after seeing a news report about military families being linked together electronically for child-birth, Mrs. foltz bought a webcam and worked with Bayhealth staff to arrange for a live streaming web connection.

On the day of delivery, Bayhealth staff made every attempt to make it seem as if Mr. foltz was in the room. doctors and nurses gave him updates and spoke to him as if he were there.

With the help of Bayhealth and a little technology, Mr. and Mrs. foltz were able to welcome their daughter into the world – together. 8 lbs. ½ oz. anna foltz was born nov. 12, 2008.

Mr. foltz is in the air force and stationed at dover air force Base.

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Beebe Medical Center trauma Center, which is part of the emergen-cy Department, has been reverified as a Level iii trauma center by the Committee on trauma (COt) of the american College of Surgeons. it has been verified as a Level III trauma center since 1999. the number of trauma cases treated by Beebe Medical Center trauma Center has increased over the years, mirroring the area’s population growth. in 1999, Beebe Medical Center documented fewer than 200 trauma cases. By 2007, that incident rate jumped to 644. the most common trauma cases treated at Beebe have been caused by falls and motor vehicle collisions.

as a Level iii facility, Beebe Medical Center can stabilize and treat patients with life-threatening injuries, or transfer those patients who need specialized care, such as treatment of multiple injuries or neurosurgery, to a facility that offers a higher level of care. Beebe has five trauma sur-geons on call and employs ground and air transport. Beebe’s trauma Center is integrated into the statewide trauma system that links emergency medical services with local hospitals to assure quick response.

“Our physicians also take part in continuing medical education,” says dr. Marvel, who is fellowship trained in trauma medicine.

Beebe’s trauma team also oper-ates an outreach and education program to prevent injuries in the community. team members speak to children and promote swimming and bicycle safety. in recent years they have participated in the international Students Outreach Program.

Beebe Trauma Center receives verification

James P. Marvel, Md, an orthopaedic surgeon and Medical director of the Beebe Medical Center trauma program

31


delaware hospice’s Medical director, dr. andrew L. himelstein, recently received a “Physician excel-lence award in hospice and Pallia-tive Care,” at a recognition dinner sponsored by the delaware end-of-Life Coalition.

This is the first annual award ceremony recognizing the contribu-tions of physicians in hospice and palliative care.

dr. himelstein also serves as clinical assistant professor of Medi-cine at Jefferson Medical College of thomas Jefferson university.

He is board certified by the american Board of hospice Palliative Medicine as well as by the american Board of internal Medicine in Oncol-ogy and hematology.

in her remarks, dr. Lambrecht

said, “dr. himelstein is known for his extensive efforts in mentoring others who work in palliative care as well as his efforts in quality improvement

activities. he is respected by all for his ability to foster interdisciplinary relationships for the betterment of care to the dying and bereaved.”

dr. andrew himelstein, who was honored for his exceptional interdisciplinary, collaborative leadership in hospice and palliative care, is pictured here with one of delaware hospice’s multidisciplinary teams (from left): Joanne Brown, rn; Linda Prince, assistant volunteer coordinator; Kristina Watson, rn; david Oppold, chaplain; Latrina Jones-atwater, rn; theresa gibeck, LPn; dr. andrew himelstein, medical director; Megan Youtz, bereave-ment counselor; diane Willoughby, social worker; and Scott edwards, team leader.

Hospice director receives award

MIKEN Builders supports Beebe Medical Center

MiKen Builders recently present-ed a check for $50,000 to Jeffrey fried, president and CeO of Beebe Medical Center, to support construc-tion of a new campus in Millville. the grant brings the fundraising total for the South Coastal health Campus to $2.7 million.

Beebe Medical Center will con-struct a 60,000 square-foot health campus on route 17 near Millville that will offer a larger emergency department, the most sophisti-cated forms of diagnostic imag-ing including Ct and Mri, Beebe Lab express, and Beebe Physical rehabilitation.

from left are Michael Cummings, president of MiKen Builders; Jeffrey M. fried, president and CeO of Beebe Medical Center; and MiKen partners Steven Sieja, Michael McKone and Michael nally.

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Bayhealth’s Black & White Gala planned

the 3rd annual Bayhealth Black & White gala will be held from 6 to 11 p.m. on Saturday, Jan. 17, at the dover downs hotel.

the Black & White gala, which is a celebration of Bayhealth’s partner-ships, is hosted by the auxiliary of Mil-ford Memorial hospital and the Junior Board of Kent general hospital.

event proceeds will be designated for the Bayhealth healthcare Scholar-ship, which provides financial assis-tance to individuals pursuing post-secondary education for a nursing or allied health career.

the gala will feature entertainment by the quake, hors d’oeuvres, a sit down dinner and a cash bar. a $500 Instant Cash Raffle will also be drawn at the gala.

Raffle tickets are $5 each and are

available now at both hospital gift shops and in the Bayhealth founda-tion office.

tickets are $100 and may be purchased at the gift shops at both

Kent general and Milford Memorial hospitals or by calling Pat fisher 302-422-7032 or Lisa grossman 302-363-5835. event sponsorships are also available.

from left are Black & White gala Committee Members Lisa grossman, rosalie Boryszewski, Connie raymond, Mary ann heinold, hazel Lemmon, Judy grier, Pat Crabb, Pat fisher, Cynthia Jones, Susan green and Kim Wilkins.

33


Beebe Medical Center announces that licensed physical therapist graham robbins, Pt, has assumed the role of director of Beebe Physical rehabilitation following the retire-ment of Mark Blaskey, Pt.

robbins will assume overall responsibility for physical therapy, occupational therapy and speech pa-thology services at the Beebe Medi-cal Center’s main campus in Lewes, at the Baylis rehabilitation Center in the Bookhammer Outpatient Center, located at the Beebe health Campus on route 24 in rehoboth Beach, and rehabilitation services for Beebe home health and at outpa-tient clinics in Millsboro and Millville. robbins, who has been with Beebe Medical Center since 1997, was manager of the Baylis rehabilita-

tion Center. he earned his master’s in physical therapy in 1995 from hahnemann university in Philadel-phia, and then worked as a traveling therapist in facilities in new Mexico, virginia and Wisconsin. Since he joined Beebe Medical Center, he has worked with patients in the hospital, at Lewes Convalescent Center and through Beebe home health.

he also has worked with patients at outpatient facilities in Millville and Millsboro. robbins lives in Milford

with his wife eva and their three children. Blaskey joined Beebe Medical Center in 1995 when the Baylis rehabilitation Center was opened at the hospital’s Savannah road location. the center consisted of two, part-time therapists and two physical therapy aides. today, the rehabilitation Services department has a team of more than 50 health-care professionals providing therapy services at multiple sites throughout the community.

Beebe names new director of physical rehabilitation

graham robbins, Pt, left, shakes hands with Mark Blaskey, Pt.

Bayhealth recognized by Alzheimer’s Association

Bayhealth Medical Center re-cently received a special plaque of appreciation from the delaware valley Chapter of the alzheimer’s association. Bayhealth gerontologi-cal nurse Practitioner Cindy drew, MS, gnP-BC, has been instrumental in assisting the alzheimer’s associa-tion and was specifically recognized for her efforts. in 2000, drew devel-oped the first state-wide education conference and launched the Caring,

Coping and hoping alzheimer’s Caregiver Support group. She also presents the medical overview sec-tion for the alzheimer’s association family Caregiver training days several times a year.

Bayhealth offers smoking cessation program

Bayhealth Medical Center offers a tobacco Cessation Program, a sev-en week series that offers support and guidance to stop using tobacco for through behavior modification,

exercise, diet, stress reduction and nicotine replacement therapy. the program also focuses on relapse prevention with a long-term plan for success. the next series will meet weekly beginning tuesday, Jan. 13 from 6 to 7:30 p.m. at Smyrna-Clayton Medical Services located at 315 n. Carter rd. in Smyrna. the cost for the entire series is $35 for the public, and it is free for Bayhealth employees.

to register, call 302-744-7135 or toll-free at 1-877-453-7107.

34


Bayhealth names Employees of the Quarter

Bayhealth Medical Center recently honored Kim Scott and Shila hayden, rn, BSMS, Phd, as the northern and Southern division employees of the quarter. each received a $100 savings bond, din-ner for two at the restaurant of their choice, a certificate of recognition, a special parking place and the opportunity to be named employee of the year. Scott, who has been with Bayhealth for 26 years, is a nursing informatics analyst at Kent general hospital where she helps implement and support electronic systems in the hospital. her main focus is supporting clinical systems in the operating and emergency departments.

Before joining the information Services department, Scott was a nurse manager in the Special Care nursery/Pediatrics unit. Southern division employee of the quarter, Shila hayden, rn, BS, MS, Phd, has been with Bayhealth for two years, but has been a nurse for over 40 years. hayden is a clini-cal educator focused on oncology, pain management and infusion therapy. her responsibilities in-clude overseeing screenings and education of nurses, patients, fami-lies and the community at large.

Dr. Montross-Lopez opens office

Bayhealth Medical associates of Milton announces that family practitioner elisa Montross-Lopez, MD, will open a new office at 630 Mulberry Street in the Clipper Square Shopping Center in Milton.

dr. Montross-Lopez has served pa-tients in a private practice in Lewes since 1997.

Board-certified by the Ameri-can Board of family Medicine, dr. Montross-Lopez received her medical degree from the univer-sity of Pennsylvania School of Medicine in Philadelphia, Pa. dr.

Montross-Lopez is a member of the american academy of family Physicians, the american Soci-ety for Colposcopy and Cervical Pathology, the american academy of Medical acupuncture and the Medical Society of delaware.

to schedule an appointment, call 302-684-8053.

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Who would have wagered, nearly 15 years ago, when the delaware general assembly legalized slot machine gam-bling at delaware race tracks, that slots would net $527 million in fiscal year 2008 after bills and pay-outs? approximately one-third of that goes into state coffers. that income is expected to drop significantly now that Maryland has followed Pennsylvania's move, in 2004, to approve the installation of slot machines.

tom Cook, delaware deputy sec-retary of finance, said, "We anticipate that Maryland slots will be up and running in the spring of 2010, so they will impact the state of delaware in the last quarter of that fiscal year by $10 million. When slots have been operating a full year in 2011, the anticipated impact is $70 million."

Cook explained that the state expects 37 percent of the take in fY2010 and fY2011. in 2010, that will be close to $195 million. that does not take into account all the tourists' dollars spent while they're in the state.

Many residents do not realize the close connection between slots and the horse industry in the state. the original legislation was called the

horse racing redevelopment act, and the income earned at each slots venue, or "racinos, as one spokeswoman called them — delaware Park, dover downs and harrington raceway — stays there. Over the past decade, slots have funded racing improvements at delaware Park including a newly resurfaced dirt track enclosing a manicured turf oval, a huge infield video monitor, an overhaul of the clubhouse, new grandstand seating and more.

the state fairgrounds at har-rington has benefitted, with new

show barns and exhibit halls. the ca-sino itself saw improvements made last year. John Mooney, executive director of horse racing for delaware, said slots "has been the saviour of racing in the state of delaware, and racing generates a lot of jobs." Slots have allowed race tracks in dela-ware to remain in business, which is economically important, especially in the area of agriculture, he continued.

not only is revenue generated for the race tracks to invest in the racing part of the business, but 10 percent of the earnings is allocated to purses

36


for the horses. thoroughbred racing at delaware Park anticipates get-ting $26 million in fY 2010 and only $19 million in fY 2011, according to Cook. Mooney said, "Certainly we have felt the effect of Pennsylvania getting slots. We also have to factor in the present economy. it all blend negatively toward the entertainment business. We won't be sure what the numbers are until the end of the year.

delaware naturally drew a lot of people from Pennsylvania.

"as for the Maryland questions, it will be quite a while before they're up and running, and we don't yet know where they will be located."

Bid for those sites are due feb. 1, but with billion dollar projects getting scrapped in gambling mec-cas such as Las vegas and atlantic City, will there be willing investors for gambling in Maryland? the owners of Ocean downs and Laurel Park have already expressed an interest in gambling licenses for their race tracks. Maryland, too, is counting on income from slots to provide a better future for the horse industry. Slots were projected to bring in $911 million annually for the state by 2013. according to J. robert Burk, execu-tive director of the Maryland horse industry Board, one of the laws that takes effect with passage of the referendum in november requires the horse industry "to show a defined marketing plan for the industry in or-der for the racing facilities to receive funds for the revitalization of any and all tracks in the state."

according to a recent story in the Philadelphia inquirer, Pennsylvania slots revenue last month was $114.7 million, up $13 million from novem-ber 2007. the state's share — 55

percent — of the combined take from the seven casinos was $1.32 billion of their $2.4 billion take from the first 11 months of 2008. Ed Sutor, president of dover downs said the Maryland referendum "has got a lot of people in the state concerned, especially with the current economic conditions. We've been anticipating slots in Maryland for many years."

he continued, "We think our state will have to react, possibly by approving sports betting, which is something only delaware can do (in the east.)" he explained that a federal law passed in the 1990s pro-hibited sports betting except in four states, Oregon, Montana, nevada and delaware, which had sports bet-ting in the 1970s.

"So delaware can resume, if we choose to. if would give us a unique marketing tool that no one else east of Montana would have."

Sutor envisioned a separate area at the casino where bettors could watch the games on big screen tele-visions, rather than off-site betting. Sports betting would attract a new demographic, he added. "right now, slots mostly attract females. the average age is 55. Sports betting attracts 90 percent males in their 30 to 40s. this is a whole new market. hopefully it would compensate at least partially for Maryland getting slots.

"We prefer the sports betting be at the three race tracks. the alternative is to allow it at all places that sell lot-tery tickets." Sutor did not think that situation would draw bettors from out of state. "Who would drive to a gas station to bet on a game and go home?" he asked.

The biggest benefit of on-site sports betting is the other things that people do when they are here — eat-ing in restaurants, staying overnight in hotels, pouring a lot of money into the local economy that we wouldn't get if it were proliferated through the entire state. Sutor estimated that 35 percent of delaware's slots custom-ers come from Maryland. "We don't expect to lose all that, but we'll have to share with Maryland. they also go to Pennsylvania and atlantic City, and that hasn't put us out of busi-ness. We don't expect to go out of business," he said confidently.

"We spent $100 million at dover downs to double the size of the hotel and recently expanded the casino by 70,000 square feet, including three restaurants, a night club, four retail stores and all the amenities that cus-tomers said they wanted to see. We added a first class, luxury, high end spa that customers asked for. there are hot tubs in suites, 50 new plasma televisions, billiards tables, wet bars.

"We did all that to make ourselves a destination, because for people to drive an hour or two, they don't want to gamble and turn back, but to do other things, a lot of things they're used to seeing in atlantic City and Las vegas."

Sutor said slots are currently the fourth largest source of revenue to the state of delaware. "We want to be first."

“We think our state will have to react, possibly by approving sports betting. . .”

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Tanger appoints new CEO

Based on the recommendation of Stanley K. tanger, the company’s founder, tanger factory Outlet Centers, inc. has announced a new executive leadership structure to position the company for continued growth.

effective Jan. 1, Steven B. tanger, the company’s president and chief operating officer since 1995, will become president and chief ex-ecutive officer. Stanley K. Tanger will remain as chairman of the board.

“Steven and i will both be as-suming new roles, which represent the next phase in our company’s

evolution,” Stanley tanger stated. “i am pleased that since founding the company in 1981, tanger Outlets has grown into a strong, resilient company capable of delivering consistent growth and profitability. I am confident in our company’s future and i look forward to being part of a seamless transition.”

Steven B. tanger, 59, is a direc-

tor of the Company and was named president and chief operating officer in 1995. Previously, he served as executive vice president since joining the Company in 1986. he is a gradu-ate of the university of north Caro-lina at Chapel hill and completed the executive Program at the Stanford university School of Business. he is the son of Stanley K. tanger.

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nickle electrical Companies re-ceived the highest honor for its work in planning and building the electrical system for the delaware hospice Center in Milford at the aBC dela-ware’s “2008 excellence in Construc-tion awards” banquet.

Seven hundred industry rep-resentatives were present for the awards event where nickle electrical Companies was presented with the “excellence award” for the “under $2 Million” construction category.

the delaware hospice Cen-ter opened in april 2008 in Milford and offers a new option of care for patients who are hospice appropriate and suffering from any life-limiting disease.

the Center is an option for all patients who require specialized care and is not limited to delaware hospice patients.

Nickle Electrical Companies receives award

nickle electrical Companies’ representatives (left and right) dave Schreffler, vP of georgetown Operations; and Mike frieze, job foreman; and the delaware hospice Center’s facilities Manager, Chuck Palmer, receive the “excellence award” at aBC delaware’s 2008 excellence in Construction awards event.

Nason Construction launches new website

nason Construction an-nounces the launch of its new and improved website, www.nasonconstruction.com.

the upgraded site features nason’s latest projects and news.

established in 1922, nason Construction provides construc-tion management, design-build, and general contracting services for healthcare, senior care, edu-cation, government, corporate, and pharmaceutical clients in delaware, Maryland, Pennsylva-nia and new Jersey.

39


By Joy Slabaugh

Headlines for the past four months have been peppered with fresh lists of companies “too big to fail.” Chief execu-tive officers fly to Washington and return with blank checks.

What about the small-business own-ers, sole proprietors and individuals? Rumors fly of new government programs geared toward these individuals.

At this point, such comments have little substance. Instead of waiting (for what could be a very long time) for political comments to turn into action, create your own bailout.

Create a Cash Cushion

According to the American Payroll Association, more than two-thirds of Americans are living paycheck to pay-check. Considering the perilous state of employment today, make some sacrifices today to sock away a little money for a rainy day.

Ideally, households will have three to six months of living expenses in savings. This goal may seem enormous at first so start with a smaller goal, one entire pay-check in savings, and work up from there.

Meet Your retirement Plan Match

Many employer-sponsored retirement plans offer to match a portion of your contributions up to a certain amount. The money goes directly into your retirement plan and does not create a tax bill, since it is not paid in wages.

Find out if your employer matches contributions and up to what amounts. Make sure you contribute what is re-quired to receive the full match; other-wise, you are leaving free money on the table.

Not only can increasing your retire-

ment plan savings result in extra money through your employer match, it can result in buying funds at a lower price with dollar cost averaging. Dollar cost averaging is the strategy of investing or saving a specific amount at specific times, regardless of market conditions.

By investing systematically every pay period, you may be able to use market volatility to your advantage over the long term. Buying stocks and funds now, while investments are “on sale” can position your retirement plan for growth as the economy recovers.

There are risks associated with invest-ing in the securities market including possible loss of principal value.

Dollar cost averaging allows you to take advantage of market fluctuation, but it does not assure a profit or protect against a loss in declining markets.

frugal is the new Black

When New York Magazine runs ar-ticles on living cheaply, discussing ways to stretch every dollar has become an acceptable conversation topic.

The current economy is being felt by Americans in almost every socio-eco-nomic stratum. Cutting back is not only understandable, but perfectly reasonable. Instead of meeting friends for dinner, invite the group to your home for dessert and coffee. Some minor adjustments to personal spending can result in the same quality of life but at a lower cost.

educate Yourself

When headlines surfaced in the last decade about the negative savings rate in America, some organizations took action. Today, several non-profits bring financial knowledge to consumers at little or no cost. The Delaware Money School offers free classes throughout the state on a variety of topics.

The Financial Planning Association has resources available for individuals for a variety of practical topics. Kingdom Advisors addresses financial issues from a faith-based perspective and offers men-toring groups around the country through Crown Financial.

The First State Community Loan Pro-gram (Jan Slattery) has classes through the Delawareans Save! program that, provided you fulfill certain requirements, will match your savings of $1 with $1.50.

This article does not offer any ground-breaking suggestions for reaching finan-cial stability.

Most of this information is avail-able elsewhere and is generally common knowledge. Many people have the tools for building their financial future and the common sense to implement them and yet, they don’t. Why? The path of least resistance is alluring.

Make this year, 2009, your personal year of action.

Whether you enroll in free classes, join a mentoring group, seek out a profes-sional or simply open a savings account and deposit five dollars each week, take action.

Chances are no one else will do this for you.

Joy Slabaugh is a financial planner in Delmar, Delaware with EST Finan-cial Group. For more information, visit estfinancial.com. Securities and invest-ment advisory services offered through H. Beck Inc.

Creating your own personal bail-out financial

Many people

have the tools

for building their

financial future and

the common sense

to implement them

and yet, they don’t.

40


The housing market can help boost our economy By Ruth Briggs King

With our nation fighting through its worst financial crisis in decades and with lawmakers in Washington continuing to look for answers, the Sussex County association of realtors has three words for them: the housing market. Yes, the housing market. nationally, it is strug-gling but any long-term plan to boost the american economy must include the real estate markets. they are an essential cog in the American financial system that simply cannot be ignored, one that can play a vital role in helping our economy rebound in the months and years ahead. at our 2008 meeting in Orlando, the national association of realtors adopted a four-point plan we feel needs to be part of any stimulus activity Congress adopts in the coming months.

as realtors, we know that the cur-rent downtown in the nation’s housing markets have everything to do with the crisis in the world’s financial markets. But we can also see a way out, and we feel the four action items we’ve proposed will help us come a little bit closer to spotting the proverbial light at the end of the tun-nel. in a document posted on its website spurring our members to take action, NAR officials stress the importance of the real estate markets in spurring economic growth and helping return the u.S. econ-omy to a position of worldwide strength. the four issues we feel deserve the most attention are as follows: first, we need to make the $7,500 first time homebuyers’ tax credit available to all purchasers and eliminate the repayment requirement.

While it was begun with good inten-

tions, we feel the stringent requirements tied to the tax credit have severely limited its appeal to potential homebuyers. thus, it has not been particularly effective at stimulating sales. Second, make the loan limits placed on fannie Mae and freddie Mac permanent.

third, we feel the emergency trea-sury bank relief program should be adjusted in order to target more funds for mortgage relief efforts and increase efforts to mitigate foreclosures. instead of giving banks unrestricted cash, we need to make the program work to improve our mortgage and housing markets, as it was originally intended to do. Last, we need to permanently bar banks and banking conglomerates from engaging in real estate brokerage and management.

throughout history, purchasing your own home has proven to be one of the biggest, and the best, investments an individual or family will ever make. it also stimulates economic growth on both

the local and national levels. But what happens when potential buyers become scared of the process and chose not to enter the world of homeownership? the answer is clear - economic turmoil. as is the case nationally, the real estate market here in southern delaware is go-ing through challenges. though we are sheltered from the downturn, to a point, because of our designation as a resort destination, these challenges are unlike any we’ve faced in a long time in Sussex County.

But we as realtors feel the economy, both locally and nationally, can be reinvigorated if our leaders in Washing-ton look to the real estate markets for leadership.

reading, thoughtfully considering and quickly enacting the nar’s four-point housing stimulus plan can go a long way toward making that happen. Let’s do more than just talk about it; let’s do it – a brighter future awaits all of us if we do.

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41


BEThaNy BEaChnational Kitchens and Baths;

35211 hassell ave., Bethany Beach; contractor-residential

rentz, Mary Lou, the Smoking Leaf; 415 Salt Pond rd., Bethany Beach; retailer-tobacco

BRIdgEvIllEMcWilliams, Patrece L., trece

home health Care; 16457 Polk rd., Bridgeville; professional and/or per-sonal services-unclassified

CaMdENd&P Clothing Productions; 104

Cambridge rd., Camden; reconcilia-tion purpose code

Lake antoinette, Wright Place hair Studio; 41 Center St., Camden; per-sonal services-beautician

thomas and roberts; 27 Kathleen Ct., Camden; mercantile or collection agency

dElMaRd10, inc.; 10591 allens Mills rd.,

delmar; contractor-residential

dovER29.99 Shoe Outlet LLC; 3500 S.

dupont hwy., dover; retailer-dry goods & apparel

airport discount Liquors; 1148 S. Bay rd., dover; retailer-alcoholic beverages

anygnwu innocent, a&B trans. inc.; 107 Jessica Lyn dr., dover; professional and/or personal services-unclassified

Beebe, Michael; 10 fairway Lakes dr #dra14, dover; sales representative

and retailer-various productsBelles & Beaus inc.; 1487 S. gov-

ernors ave., dover; retailer-various products

Blakey, donald a.; 956 Bison rd., dover; professional and/or personal services-unclassified

Bolander, daniel, d.B. truck-ing; 2264 n. Little Creek rd., dover; drayperson/mover

Boscov’s department Store LLC; 3000 n. dupont hwy., dover Mall, do-

ver; retailer-dry goods & apparelBryant, fred L.; 152 Kentwood dr.,

dover; reconciliation purpose codeC&d quality express Photos; 132

W. north St., dover; photographerCannon, alfred, ikae hair, hats &

accessories; 440 Sussex ave., dover; retailer-various products

Carmen Latvis Custom Creations; 3011 Spruce Ct., dover; manufacturer-textile apparel, etc.

Carpets Plus Color tile of dover; 523 S. red haven Ln. Ste. 101, dover; contractor-residential and retailer-vari-ous products

Computer help LLC; 107 Jefferson Ct., dover; professional and/or per-sonal services-unclassified

Creative diaper Cakes by Lisa; 15 dolomite Ct., dover; retailer-food (except restaurant)

delaware restaurants LP, taco Bell restaurant #024759; 241 S. dupont hwy., dover; retailer-restaurant

east Coast Painting Svcs. LLC; 24 Kentwood dr., dover; reconciliation purpose code

food Service independent Out-source; 105 Jefferson Ct., dover; wholesaler-any products

g&J holdings, LLC; 2 n. State St., dover; commercial lessor

gotgourmetcoffee.com; 914 S. State St., dover; retailer-food (except restaurant)

hayes, John r., Mediation Services of delaware; 17 freedom dr., dover; professional and/or personal services

hearts of Jade, inc., 126 Carlisle dr., dover; professional and/or per-sonal services

Macon, danny, Maintenance a-1; 417 n. new St. apt. C, dover; pro-fessional and/or personal services-unclassified

Moore’s Lake Center LLC t/a ng P; northgate Plaza; 144 Kings high-way, dover; commercial lessor

PC Paramedics; 3 Pinewood acres ave., dover; professional and/or per-sonal services

redners Markets inc., redners Warehouse Markets; 88 Salt Creek dr., dover; retailer-various products

Sentinel groups LLC; 170 Car-

noustie rd., dover; mercantile or col-lection agency

tomidia food Market; 3847 n. du-pont hwy., Ste. 1, dover; reconciliation purpose code

united dealer Service group LLC; 48 delaware ave., dover; wholesaler-any products

Walters, Michael, Supreme hair design; 1016 Lafferty Ln., dover; per-sonal services-barber

White, Shacorey S., empowered City; 500 Persimmon tree Ln., dover; retailer-dry goods & apparel

gEoRgETowNaaa Maintenance Svcs. LLC; 432

e. Market St., georgetown; reconcilia-tion purpose code

dMCfP LLC; 432 e. Market St., georgetown; reconciliation purpose code

Sanchez Construction LLC; 416 n. Bedford, georgetown; contractor-residential

Smullen Jr, raymond thomas; 14531 quillens rd., georgetown; drayperson/mover

gREENwoodClear view Window Cleaning;

12059 double fork rd., greenwood; professional and/or personal services-unclassified

deneau, Karen, Joyful noise; 14141 Saint Johnstown rd., green-wood; professional and/or personal services-unclassified

haRRINgToNWilson, Cleveland, hollywood

Shine; 305 Central Park dr., har-rington; professional and/or personal services-unclassified

lauRElhorizon home improvements LLC;

312 e. 6th St., Laurel; reconciliation purpose code

LEWEsadeline i, LLC; 31199 Beaver Cir.,

Lewes; professional and/or personal services-unclassified and commercial lessor

business licenses42


B&r Land acquisition LLC; 16192 Coastal hwy., Lewes; professional and/or personal services-unclassified

hamilton, Winn LLC; 21840 Wiste-ria Ln., Lewes; reconciliation purpose code

Lokken investment group LLC; 16698 Kings hwy., unit d, Lewes; reconciliation purpose code

Mobile auto Works; 34313 Sum-merlyn dr. apt. 406, Lewes; personal services-car wash

nighthawk industrial LLC; 16192 Coastal hwy., Lewes; contractor-non-residential

Purplehawk’s nest LLC; 23173 albertson Ct., Lewes; retailer-various products

MIlfoRdBarnett, donna M., donna’s

garden; 206 e. Clarke ave., Milford; retailer-various products

Baynard, tanya; 102 nW 2nd St., Milford; professional and/or personal services-unclassified

energy & Balance LLC, Clean & Simple Commercial Cleaning; 310 fisher ave., Milford; professional and/or personal services-unclassified

gregg, amber, Little hands day-care; 172 tanglewood dr., Milford; professional and/or personal services

happy harry’s inc., happy harry’s #11132; 648 nW front St., Milford; retailer-chemicals, paints & drugs and tobacco products retailer

holly tree transport inc.; 3 haven Lake ave., Milford; personal service-motor vehicle service

i and u, LLC; 264 n. rehoboth Blvd., Milford; commercial lessor

Mid-State residential LLC; 977 e. Masten Cir., Milford; contractor-residential

rivera, Lorna, antiojitos; 227 n. rehoboth Blvd., Milford; retailer-restaurant

Shore transportation inc.; 22138 Shockley rd., Milford; transportation agent

MIllsBoRoCellco Partnership, verizon Wire-

less; 26676 Centerview dr., Millsboro;

retailer-various productsrust, Michelle, Mindworks; 26230

golden arrow Ct., Millsboro; profes-sional and/or personal services-unclassified

Wilson, Leslie, Leslie’s Cutz; 30449 Smiling Wolf Ln., Millsboro; personal services-beautician

sEafoRdBetts and Biddle eye Care Pa;

23094 atlanta rd., Seaford; profes-sional services-optometrical office

CMC global enterprises, www.cmcglobalsurveillance.com; 309 Wash-ington St., Seaford; retailer-various products

first & Last Stop Shop; 4604 Wood-pecker rd., Seaford; wholesaler-any products

irving, James P. Jr., We Care too Private Sitting Srvc.; 24049 Middlecord Circ., Seaford; professional and/or personal services-unclassified

WW films inc.; 232 n. Shore Ct., Seaford; retailer-various products

sMyRNadollar Mena; 250 Stadium St., Ste.

99, Smyrna; reconciliation purpose code

dortch, Corey, C&S Construction; 420 Sequoia dr., Smyrna; contractor-residential

niamat, ahmad Sayed, nemat LLC; 50 Lake dr., Smyrna; contractor-residential

Shades of essence hair Studio LLC; 28 W. Commerce St., Smyrna; personal services-beautician

Smyrna auto Sales LLC; 36 n. dupont Blvd., Smyrna; motor vehicle dealer

Spence, anthony L., eagle errand Service; 465 Laredo dr., Smyrna; professional and/or personal services-unclassified

vodvarka, Laura J., Kountry Bas-ketkase; 615 Lexington ave., Smyrna; retailer-various products

Wheeler, derrick; Bleu Solutions; 111 grayton dr., Smyrna; professional and/or personal services-unclassified

43

Business Report | January 2009 Business Report | January 2009

business directoryACCOUNTANTS / 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

The seaford starBryant richardson302-629-9788fax [email protected] PO Box 1000, 628 W. Stein hwy. Seaford, de 19973

The Laurel starPat Murphy302-629-9788fax [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 [email protected] high St.Seaford, de 19973

george, Miles & Buhr, llCMichelle everngam302-645-1944fax [email protected] Savannah rd., Suite 1 Lewes, de 19958

BUSINESS & INDUSTRY STAFF DEV. TRAINING

Delaware Technical & Community Collegeann del negro ed.d302-855-1665fax 302-858-5457dtcc.edu/owens/[email protected]. 18 Seashore highway georgetown, de 19947

s.C.o.R.E.Kent County herb Konowitz302-745-1315Sussex Countyed heath302-956-0155scoredelaware.org

[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

Greater Milford Chamber of CommerceJo Schmeiser302-422-3344fax [email protected] S. Washington StreetMilford, de 19963

Georgetown Chamber of CommerceKaren Duffi eld302-856-1544fax [email protected] Layton ave., PO Box 1 georgetown, de 19947

Greater Millsboro Chamber of Commercefran Bruce302-934-6777

fax [email protected] Box 187Millsboro, de 19966

Greater seaford Chamber of CommercePaula gunson302-629-9690fax [email protected] 221 high St.Seaford de 19973

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

COMMUNICATIONS

dCI voice solutionstanya Wilhelmi410-341-6200fax [email protected] e. Main St.Salisbury, Md 21804

COMPUTERS

Fast Teksgary Schaaf302-491-8808fax [email protected] P.O. Box 563georgetown, de 19947

Z-Tronix Computers & softwarealan Stolzenbach

302-628-9661fax 302-628-7733McbeeWeb.com/[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

FINANCIAL

Bank of Delmarvadonald dykes302-875-5901fax [email protected] east Market St.Laurel, de 19956

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

delaware National BankJudy Johnson302-629-5400fax 302-629-4861www.delawarenational.comjjohnson@delawarenational.comPO Box 60224488 Sussex hwy., Suite 5Seaford, de 19973

delaware National Bankal turchan302-875-2137fax 302-875-7345www.delawarenational.comaturchan@delawarenational.comPO Box 9, Sussex hwy.Laurel, de 19956

Discover BankSherry Berman302-349-4512fax 302-349-4578www.mydiscoverbank.comsherryberman@discoverfi nancial.com502 east Market St.greenwood, de 19950

seaford Federal Credit UnionMary adams302-629-7852fax [email protected] Professional Centerrt. 13 SouthSeaford de 19973

sussex County Federal Credit UnionPaula CampbellPamela fleuette

302-629-0100fax [email protected] Box 1800, 1941 Bridgeville hwy. Seaford, de 19973

FLAGS AND ACCESSORIES

International flag supplyBridget Mayer302-645-1943fax 302-645-1943www.internationalfl agsupply.combridget@internationalfl agsupply.com30237 Whitehall rd.Milton, de 19968

FLORIST

Blossoms Inc..Sandy de Churchtheresa Pyle302-537-6001fax [email protected] Garfi eld Parkway Bethany Beach, de 19930

FUNERAL SERVICES

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

GLASS

Mr. Go-GlassBruce Johnston302-629-4947fax [email protected] north dual hwy.Seaford village Shopping Ctr.Seaford, de 19973

Mr. Go-Glasstom huff302-674-3390fax [email protected] n. duPont hwy.dover, de 19901

Mr. Go-Glassric ross302-645-9340fax [email protected] dartmouth dr., #3Lewes, de 19958

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. quick302-629-4949fax [email protected] Box 1431 Seaford de 19973

HEALTH

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

44 45




ADVERTISING














CABINETRY


CHAMBER OF COMMERCE








COMMUNICATIONS


COMPUTERS




EDUCATION


ENVIRONMENTAL


FINANCIAL












FLORIST


FUNERAL SERVICES


GLASS







HEALTH


44 45




ADVERTISING














CABINETRY


CHAMBER OF COMMERCE








COMMUNICATIONS


COMPUTERS




EDUCATION


ENVIRONMENTAL


FINANCIAL












FLORIST


FUNERAL SERVICES


GLASS







HEALTH


44 45




ADVERTISING














CABINETRY


CHAMBER OF COMMERCE








COMMUNICATIONS


COMPUTERS




EDUCATION


ENVIRONMENTAL


FINANCIAL












FLORIST


FUNERAL SERVICES


GLASS







HEALTH


44 45


Heritage At Milford - 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

INSURANCE

Farnell & Gast InsuranceJoe Gast, CPCU302-629-4514800-966-4514Fax [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

LEGAL SERVICE

Sergovic and Carmean, P.A.Joan Tyndall

302-855-1260Fax [email protected] W.Market St.Georgetown, DE 19947

MEDICAL TRANSPORT

Lifestar AmbulanceMike Parker800-572-9838410-546-0809Fax [email protected] S. Tower Dr.Salisbury, MD 21804

PAYROLL SERVICE

Payroll ProfessionalsDonna [email protected] Savannah Rd.Lewes, DE 19958

PaychexPaige Cohan800-884-2425 ext. 28648Fax [email protected] Continental Dr., Ste. 106Newark, DE 19713

PERSONAL CHEF

Abra…ca…dinner! LLCKris Etze302-228-6125Fax 302-945-4153dinnerNmassage.comabracadinner.comkeats1947@aol.comPO Box 142Harbeson, DE 19951

PHOTOGRAPHY

Eric Crossan StudiosEric Crossan

877-302-7821Fax 877-302-7821ericcrossan.com(through website)Serving All Delmarva

PLANTS FOR ALL SEASONS

Jeff’s GreenhousesJeff Hastings302-875-3420Fax 302-875-9542Main St., Bethel, DE 19931

PORTRAITS

Portraits In The SandDave Koster302-226-9226Fax 302-226-8424PortraitsInTheSand.combusinessreport@portraitsinthe-sand.com110 White Oak Rd.Rehoboth Beach, DE 19971

PUBLISHING

Morning Star PublicationsBryant Richardson302-629-9788Fax [email protected] Box 1000 Seaford, DE 19973laurelstar.com

REAL ESTATE

Long & Foster Real Estate, Inc.Ethel M. Lewis302-227-2541 ext. 470800-462-3224Fax [email protected] Rehoboth Ave.Rehoboth Beach, DE 19971

Century 21 Mann & Sons In-Town Susan Giove302-226-3770

Joe Maggio 302-841-5331 cellFax [email protected] Rehoboth Ave.Rehoboth Beach, DE 19971

Coldwell Banker Resort RealtySkip Faust302-227-5000 offi ce302-745-8764 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

46


next month in the Business Report

What local banks and credit unions can

offer you that the big guys can’t in the

aftermath of the Wall Street bail out.

Protect your home & business with tips

from local finance experts.

Contact Laura Rogers at 302.629.9788 or

email sales @mspublications.com for more information

Finance


Heritage At Milford - 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

INSURANCE

Farnell & Gast InsuranceJoe Gast, CPCU302-629-4514800-966-4514Fax [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

LEGAL SERVICE

Sergovic and Carmean, P.A.Joan Tyndall

302-855-1260Fax [email protected] W.Market St.Georgetown, DE 19947

MEDICAL TRANSPORT

Lifestar AmbulanceMike Parker800-572-9838410-546-0809Fax [email protected] S. Tower Dr.Salisbury, MD 21804

PAYROLL SERVICE

Payroll ProfessionalsDonna [email protected] Savannah Rd.Lewes, DE 19958

PaychexPaige Cohan800-884-2425 ext. 28648Fax [email protected] Continental Dr., Ste. 106Newark, DE 19713

PERSONAL CHEF

Abra…ca…dinner! LLCKris Etze302-228-6125Fax 302-945-4153dinnerNmassage.comabracadinner.comkeats1947@aol.comPO Box 142Harbeson, DE 19951

PHOTOGRAPHY

Eric Crossan StudiosEric Crossan

877-302-7821Fax 877-302-7821ericcrossan.com(through website)Serving All Delmarva

PLANTS FOR ALL SEASONS

Jeff’s GreenhousesJeff Hastings302-875-3420Fax 302-875-9542Main St., Bethel, DE 19931

PORTRAITS

Portraits In The SandDave Koster302-226-9226Fax 302-226-8424PortraitsInTheSand.combusinessreport@portraitsinthe-sand.com110 White Oak Rd.Rehoboth Beach, DE 19971

PUBLISHING

Morning Star PublicationsBryant Richardson302-629-9788Fax [email protected] Box 1000 Seaford, DE 19973laurelstar.com

REAL ESTATE

Long & Foster Real Estate, Inc.Ethel M. Lewis302-227-2541 ext. 470800-462-3224Fax [email protected] Rehoboth Ave.Rehoboth Beach, DE 19971Century 21 Mann & Sons In-Town Susan Giove302-226-3770

Joe Maggio 302-841-5331 cellFax [email protected] Rehoboth Ave.Rehoboth Beach, DE 19971

Coldwell Banker Resort RealtySkip Faust302-227-5000 offi ce302-745-8764 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

46

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Morning Star Business Report