MORNING STAR
April 2016 Complimentary
Business Report Department of Insurance Helps Consumers
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Business Report | April 2016
Our Relationships are built on TRUST
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Business Report | April 2016
Publisher’s notes By Mike McClure
The home is where the heart is, or so I’ve been told. So where you live, the look of your home, the landscaping, etc. is pretty important. In the last year or so, I have been on both ends of the spectrum, selling a house and buying a house. After years of bachelorhood and nine years of living in my bachelor pad/home, I came across a beautiful young lady who agreed to be my wife. Then the fun ensued, as I spent two years trying to sell my house for a “reasonable price”. Of course while that was going on I still had to maintain the property. Eventually it sold, and then we decided we wanted to get back into home ownership. The search was long, though we found a house a lot sooner than we expected. Then we had to scramble
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to find the funds. The original “one” didn’t pan out, but we found the right house and have almost completed all the hurdles involved with getting a home loan and settling on a house, which is a lot more difficult now than it was when I was buying the first time around. The point is, whether you are buying or selling a house, having the right people on your side is imperative, whether it is a lender, realtor, banker, etc. Of course there is more to having a home than just buying, selling, or building one. There is upkeep, decorating, landscaping, utilities, etc. In this month’s edition of the Business Report, our theme is “Home Sweet Home”. Inside we have stories on companies that provide various home related services including insurance (Lyons Companies and M Insur-
ance) as well as real estate brokers (Sussex County Association of Realtors) and the building of homes (Delaware TechniMcClure cal and Community College). Please see those stories for far more knowledgeable tips on homes and homeowning than I could ever possibly provide you with. Next month’s theme is Stress Relief/Leisure, which is what comes after you buy or sell a house and then move. There is a wide array of possible businesses and organizations that could fit this theme, but the only way to be included in it is to contact Chris Redman. So what are you waiting for?
inside April 2016
DONATION- Kent-Sussex Industries, Inc. (KSI) recently received a donation from Delaware Electric Cooperative (DEC). Page 22.
Features 4 - Publisher’s Notes 6 - Business Digest 8 - Health 12 - Guest Column 13 - Tourism Column 14 - Personnel File 15 - Chamber Listings 26 - Business Licenses 28 - Marketing Column 30 - Business Directory
On the Cover Karen Weldin Stewart, Insurance Commissioner for the Delaware Department of Insurance Feature Article Page 16
BPA- Twenty-seven of Sussex Technical High School’s Business Finance and Marketing students made the Business Professionals of America National Team at a State Leadership Conference at Dover Downs on Feb. 23. Page 29
April Theme Home Sweet Home 18- M Insurance 19- Sussex County Association of Realtors 20- Delaware Technical and Community College 22 Lyons Companies
May Theme: Stress Management/Leisure Contact Chris Redman at (302) 262-9137 or credman@mspublications.com.
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Business Report | April 2016
BUSINESS DIGEST
Coldwell Banker Resort Realty held its annual Awards Ceremony recently to celebrate the accomplishments of 2015.
Coldwell Banker recognizes top agents for 2015
Coldwell Banker Resort Realty held its annual Awards Ceremony recently at the SCAOR office to celebrate the many accomplishments of 2015. In 2015, an additional 19 agents and staff joined the Rehoboth, Lewes, Milford and Seaford offices. To date, 2016 has brought an additional seven agents. The combined efforts of all branches led to a growth in volume across the company of 10.85% over the previous year. Particularly noteworthy was the growth in sales volume in the Seaford Branch of 41.63% over the previous year. Companywide, Coldwell Banker Resort Realty sales division represented 893 transaction sides, an increase of 26.85% over 2014 with a Coldwell Banker Resort Realty agent involved in 1 out of every 6.7 transaction sides in Sussex County in 2015. Top producer awards for the firm were presented to the following agents: Skip Faust – Top Closed Sales Volume and Top Closed Listing Volume, Rehoboth Branch; Dolores Desmond, Top Closed Sales Volume and Debra Waters, Top Closed Listing Volume, Lewes Branch; Lee Johnson – Top Closed Sales Volume and Top Closed Listing Volume, Seaford Branch; Tony Favata – Top Closed Sales Volume and Top Closed Listings Volume, Milford Branch. Harold Marmon was recognized for Top Producing Agent for the Rental Department of Coldwell Banker Resort Realty with John O’Leary and Carla Riddle recognized as compiling the top three agents. 6
Business Report | April 2016
Other members of the President’s Silver Circle recognized for outstanding performance in 2015 were Mary-Beth Pepper, Debra Waters, Lucy Churchill, Trina Joyner, Kathy Douglass, Linda Book, Rachael Carey, Mary Maki, Ruth Sivils, Lori Milton, Dolores Desmond, Kathy Newcomb, Bev Foote, Ben Steward, Pat Coluzzi, Dana Caplan, Christine Grace, Joanne Milton, Beth Dorman, Nancy Price, Stephanie Willey, Adam Gaull, Dennis Barnes, Kathy DeGrange and Scott Reagan. Members of the prestigious President’s Gold Circle were Terri Favata, Sally Chaney, John O’Leary, Tricia Sulecki, Carla Riddle, Rick Bennett, Tony Favata, Patti Haney, Harold Marmon, and Judy Williams. The sole member of the Chairman’s Elite Circle was Lee Johnson. The highest recognition for performance was presented to the Chairman’s Diamond Award member Skip Faust. Recognized for the 2015 Chairman’s Award, an award presented by their peers for outstanding service and professionalism, were John Bohne for the Rehoboth Sales Branch, Joanie Hannigan for the Lewes Sales Branch, Dana Caplan for the Seaford Sales Branch, Joanne Milton for the Milford Sales Branch and Tricia Sulecki for the Rental Division. Also recognized for Coldwell Banker Manager’s Choice, an award for outstanding commitment to the firm, were Pat Coluzzi for the Rehoboth Sales Branch, Mary-Beth Pepper for the Lewes Sales Branch, Tracy Niles for the Seaford Sales Branch, Ken Wolfe for the Milford Sales Branch and John O’Leary for the
Rental Division. Coldwell Banker Resort Realty honors the memory of Bill Vernon with an annual Coldwell Banker Resort Realty Pillar Award. This award is bestowed upon the firm’s agent or staff member who most exhibits the firm’s culture and core values. The 2015 recipient was Linda Book.
Allen Harim to close Cordova location
Allen Harim, a producer and processor of chicken on Delmarva, will consolidate its processing operation to one central location, leading to the closure of a plant in Cordova, Md. in July. The closure will impact approximately 300 employees at that facility, who will be offered jobs at the company’s other locations including a hatchery, feed mill and truck shop in Seaford, a hatchery in Dagsboro and main processing facility in Harbeson, Delaware. According to Steve Evans, CEO of Allen Harim, a combination of factors contributed to the decision, including the age of the facility, a shift in the company’s product mix and a desire to improve the company’s competitive position in order to assure greater efficiency. Allen Harim’s human resources department will coordinate with state and local officials to leverage all available resources to assist employees. The company plans to open an onsite career center to help employees during this transition. Much of the processing equipment will be moved to the company’s Harbeson facility in the coming months.
BUSINESS DIGEST Delaware Resiliency Summit
Businesses, nonprofit organizations and even homeowners can be at risk for cyberattacks if not aware of the risks. To address these concerns, Elayne Starkey, chief security officer for the State of Delaware, and Capt. Starkey Daniel Meadows of the Delaware State Police Criminal Intelligence Section, will speak on cyber-crime in Delaware and how businesses, nonprofits, governmental agencies, academics and individuals can recognize and prevent it, on April Meadows 6 and 7 at the Delaware Resiliency Summit in New Castle County and Sussex County. The April 6 Summit will be held at the Chase Center on the Riverfront in Wilmington from 8 a.m. to 1:15 p.m. The April 7 Summit will be held at Kings Creek Country Club in Rehoboth Beach from 8 a.m. to 1:15 p.m. Each event will include breakfast, lunch, exhibitors, giveaways, door prizes and a Disaster Preparation and Recovery Planning Toolkit. The Summits are free of charge and open to the public. To register, call 302-856-1555, email atootle@udel.edu or visit https://clients.delawaresbdc.org/Events.aspx?days=90.
Edward Jones receives award
Financial services firm Edward Jones received the prestigious J.D. Power President’s Award recognizing its overall commitment to excellence in customer and financial advisor satisfaction. The President’s Award recognizes individuals or companies demonstrating dedication, commitment and sustained improvement in serving customers. During the 40-year history of J.D. Power, only 11 companies have previously received the award. Edward Jones has ranked highest in the J.D. Power U.S. Full-Service Investor Satisfaction Study in six of the past 10 years and has ranked highest seven consecutive times in the J.D. Power U.S. Financial Advisor Satisfaction Study.
National Small Business Week
U.S. Small Business Administration Administrator Maria Contreras-Sweet has
announced that the theme of this year’s National Small Business Week, May 1-7, is “Dream Big, Start Small.” Contreras-Sweet will start the week in Washington, D.C., where she will recognize and award outstanding small business owners from around the country. She will attend small business events in Atlanta, Denver, Phoenix, and San Jose and Oakland, Calif. Recognition and educational events will be held throughout SBA’s 10 Regions and 68 Districts. More details are available at www. sba.gov/NSBW.
DFCU offers scholarships
Dover Federal Credit Union (DFCU) will award $1,000 college scholarships to Dover Federal members who are high school seniors or undergraduate students. Applications can be completed online at www.doverfcu.com through April 15. Information including guidelines, requirements and the scholarship application can be found at www.doverfcu.com/scholarship.php. Selected applicants will be notified on or before May 15.
It’s Time to Open a New Front Door
Have you been dreaming of owning a home? The path to your new front door starts here with a residential mortgage from CNB. You can trust that our professional lending team will work for you and help guide you every step of the way. Call us today or visit any of our convenient branch locations. We’re here to help you make good things happen!
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Business Report | April 2016
HEALTH Beebe community events
April 1: Peruvian Healing with Dr. Jose Pando, 3-4 p.m. - Jose Pando, MD, will present Peruvian Healing, on Friday, April 1, 3-4 p.m., at the Lewes Public Library, second floor. Dr. Pando will discuss traditional healing practices of the native people of Peru, including their use of herbs and rituals that evolved from basic animal offerings to heart-centered healing techniques. For more information or to register, go to www.eventbrite.com/e/peruvian-healingtickets-20732205585. April 22: Joshua Vervin and Cheyenne Luzader, MS, present Earth Day Sound Healing Meditation, 7-8:30 p.m., at the Lewes Public Library, second floor. Celebrate Earth Day with a sound healing meditation connecting with earth, water, wind, and fire. For more information or to register, visit www.eventbrite.com/e/ earth-day-sound-healing-meditation-tickets-20732722130.
Annual Breast Cancer Update
The Delaware Breast Cancer Coalition (DBCC) announces that the 19th Annual Breast Cancer Update will be held from 7:30 a.m. to 2 p.m. on Wednesday, April 13, at The Rollins Center at Dover Downs Hotel. The event features leading medical experts and speakers discussing the most upto-date information on breast cancer diagnosis, treatment, and survivorship. The forum is free and open to the public. This year’s event focuses on personalized medicine and how treatment has changed over the years. Continuing Education Units (CEUs) will be available to nursing professionals and social workers for $30. Registration is available through Monday, April 11. The program is free but donations are welcome. For more information including an agenda and online registration, visit www. debreastcancer.org or dbcc.ejoinme.org/bcu or call 302-778-1102, ext. 1014.
E-Racing the Blues South fun walk
The third annual E-Racing the Blues South fun walk to benefit the Mental Health Association in Delaware will be held at 9 a.m. on Saturday, April 30, in Rehoboth Beach. The event will begin at the Boardwalk Bandstand and continue to Rehoboth Avenue to Grove Park where there will be exhibitors sharing their story about mental health and suicide prevention. Each participant will be given a prize ticket after visiting each exhibitor which can later be turned in for an 8
Business Report | April 2016
opportunity to win prizes donated by area merchants. Participant registration is $10 and can be done online at www.eracingtheblues.org. All funds raised stay in Kent and Sussex counties. For more information, call 800287-6423.
Steve Rose named to list of CEOs
For the third year in a row, Becker’s Hospital Review has named Steven Rose, RN, MN, president and CEO of Nanticoke Health Services, to its list of “50 Rural Hospital CEOs to Know.” Under Rose’s leadRose ership, the Nanticoke Physician Network has grown from seven to nearly 50 employed physicians and nurse practitioners since 2008. The network recently opened three immediate care (urgent care) centers and the network became accredited at the highest level by the National Council for Quality Assurance (NCQA) as a Patient Centered Medical Home. The Physician Network recently opened a new 35,000 square foot medical office building which houses 30 physicians and nurse practitioners along with their staff.
Nanticoke offers 3D mammography Nanticoke Health Services is now offering the latest in breast cancer screening advances, Genius™ 3D MAMMOGRAPHY™ exams, developed by Hologic, Inc. Utilizing advanced breast tomosynthesis technology, Genius exams are clinically proven to significantly increase the detection of breast cancers, while simultaneously decreasing the number of women asked to return for additional testing. In conventional 2D mammography, overlapping tissue is a leading reason why small breast cancers may be missed and normal tissue may appear abnormal, leading to unnecessary callbacks. A 3D mammogram includes a three-dimensional method of imaging that can greatly reduce the tissue overlap effect. The Hologic system is the only clinically superior breast tomosynthesis system as approved by the FDA. The system allows radiologists to more effectively pinpoint the size, shape and location of abnormalities which leads to better detection and greater peace of mind for patients.
Highmark recognizes select hospitals In an effort to help consumers find and select quality, affordable care, Highmark has announced that select hospitals in Pennsylvania, West Virginia and Delaware have earned the Blue Distinction® Center or Blue Distinction® Center+ designation in the categories of Cardiac Care and Maternity Care. Blue Distinction Centers are nationally designated healthcare facilities shown to deliver improved patient safety and better health outcomes, based on objective measures that were developed with input from the medical community. Hospitals currently designated as a Blue Distinction Center in Delaware include: Beebe Medical Center (Blue Distinction® Center, Cardiac Care), Christiana Care Health Services (Blue Distinction® Center, Maternity Care, Blue Distinction® Center, Cardiac Care), Nanticoke Memorial Hospital (Blue Distinction® Center, Maternity Care), St Francis Hospital (Blue Distinction® Center +, Maternity Care).
Clifton receives tribute
Terri Clifton, MS, NCC, Cancer Care coordinator for Nanticoke Cancer Care Services, received a tribute from Delaware Governor Markell recognizing her leadership and outstanding service to the people of Sussex County. Clifton Clifton started her career at Nanticoke Memorial Hospital in 1986 as a social worker and transferred to the Cancer Care Center in 2005 as the Cancer Care coordinator. She earned her master of science in community counseling from Wilmington University in 2002 and has been a NCC (National Certified Counselor) for 14 years. Clifton has been Nanticoke’s Employee of the Month twice and has earned the Soroptimist Ruby Award from Soroptimist International of Seaford for working to improve the lives of women and girls in the community. Clifton works tirelessly for the patients of Nanticoke’s Cancer Care Center to help them overcome numerous barriers including transportation and the cost of care and medication.
Campaign for Bayhealth continues
The Bayhealth Foundation is pleased to announce that the “quiet phase” of the effort
HEALTH has, to-date, raised over $8 million in gifts and commitments. Thirty-two donors have committed at least $25,000 to the Campaign for Bayhealth – Phase III. This fundraising effort aims to garner $15 million in support of Bayhealth’s new health campus in southern Delaware, which is slated to open in 2019 pending Certificate of Public Review approval. The Campaign for Bayhealth – Phase III is led by Bayhealth, Inc. Board Member and Campaign Chair William “Bill” Strickland. The committee works closely with the Bayhealth Foundation staff and its president, Lindsay Rhodenbaugh, D.Min. In 2016, the campaign will focus on building stronger relationships with past supporters and reaching out to new donors in the community.
Beebe honors Banks
Beebe Healthcare recognized George Banks, transport driver for Beebe Physical Rehabilitation, as the January Living Our Values Every Day (L.O.V.E.) award recipient. Banks was honored for adhering to the Beebe values of: Doing what it takes to keep everyone safe, treating each individual with Banks respect and dignity, and acting with passion and love for others to make a difference.
Bayhealth Neurosurgery expands Since its 2011 inception, Bayhealth Neurosurgery has become a well-utilized community asset. Neurosurgeon James D. Mills, MD, and his team provide life-saving, comprehensive neurosurgical services for patients in central and southern Delaware. Bayhealth Neurosurgery has been able to retain Cairo and treat 90 percent of its neurosurgical patients – cutting its transfer rate to just 10 percent. This success is due in part to Bayhealth’s Neuro Intensive Care Unit (ICU) at Kent General – which opened two years ago – allowing critically ill or
PROGRAM RE-CERTIFIED - Bayhealth announces the certification of its cardiovascular rehabilitation program by the American Association of Cardiovascular and Pulmonary Rehabilitation (AACVPR). Cardiovascular and pulmonary rehabilitation programs are designed to help people with cardiovascular problems recover faster and improve their quality of life. Both programs include exercise, education, counseling, and support for patients and their families. AACVPR-certified programs are recognized as leaders in the field of cardiovascular and pulmonary rehabilitation because they offer the most advanced practices available. AACVPR Program Certification is valid for three years. Bayhealth’s Pulmonary Rehabilitation Programs has been certified since 2012. Pictured from left: Devin Rhodes, exercise physiologist; Paul S. LeBlanc, manager; Frances “Sue” McKinney, MSN, RN; Rebecca Fournier, exercise physiologist; Jessica Davis, lead cardiac rehab specialist.
In 2015, Kirkes promoted Catherine Kotalik, PA-C, to chief physician assistant for Bayhealth Neurosurgery. In her new role, Kotalik serves as a bridge between providers, nurses, and other services. She trains new PAs and nursing staff joining the outpatient clinic or operating room. In 2015, Bayhealth Neurosurgery opened a new outpatient center in Lewes. Cairo and his team are cultivating relationships with other Delaware hospitals to assist in the transfers of emergency neurosurgical services to Bayhealth Kent General. Cairo intends to recruit two more neurosurgeons, develop spine and concussion programs, and continue to promote collaboration with other Bayhealth practices, including the Division of Orthopaedics.
injured patients to recover with specialized neurosurgical care close to home. The program also includes a neuro-oncology clinic, which allows patients who have brain tumors or brain cancer to meet with their neurosurgeon, radiology oncoloKotalik gist, and medical oncologist in the same visit. In recent months, new leaders have been brought on to help direct the course of Bayhealth Neurosurgery. Thomas Cairo, EMBA, was hired as senior director of the Bayhealth Neurosciences Service Line. His goal is to grow and develop a program based on evidence based medicine that is able to meet the needs of a growing population in our service area.
142 East Market Street, PO Box 751 Georgetown, DE 19947-0751
Attorneys at Law John A. Sergovic, Jr. Shannon Carmean Burton David J. Weidman
Leslie Case DiPietro Seth L. Thompson Elizabeth L. Souceck
Real Estate / Civil Litagation / Family Law / Wills & Estates / Probate / Guardianships Construction Litigation / Land Use Regulation / Zoning / Business Law & Formation Commercial & Residential / Landlord/Tenant
P 302-855-1260 | F 302-855-1270 | www.scdelaw.com 9
Business Report | April 2016
Beebe Healthcare to host Spring RN Job Fair April 7
Love what you do and love where you work! Beebe Healthcare will hold a Spring RN Job Fair on Thursday, April 7, at Dover Downs Hotel & Casino. Beebe Healthcare, located in Lewes, is the premier healthcare facility in Sussex County, serving a thriving beach and vacation resort area and a growing year-round population. Beebe offers a unique opportunity to not only love what you do, but to love where you live and work! Eligible RNs could receive up to a $5,000 sign-on bonus. RN job openings include: Float Pool, Intensive Care Unit, and Clinical Decision Unit. There are additional openings in Orthopaedics, Cardiac, Stepdown, Cath Lab, Cardiovascular Operating Room, and the Emergency Department. Casual positions are also available. Beebe is seeking experienced RNs with a minimum of two years critical or acute care experience. Full-time and qualified RNs may be eligible for $3,000 to $5,000 sign-on bonuses for specific inpatient units. If you know a Beebe team member, contact him or her about attending the job fair.
HEALTH
The Spring RN Job Fair will be held 1 p.m. to 6 p.m. in the Kent Room at Dover Downs Hotel & Casino, 1131 N. DuPont Highway, Dover. RSVP by calling (302) 645-3336. Beebe’s employees play a pivotal role in the continued success of the healthcare system. Attracting and retaining the best healthcare professionals is Beebe’s top priority. Beebe Healthcare is continuing to promote the health and wellness of our community and our team members, and in doing so, we will no longer hire applicants who use tobacco products. For all the open positions at Beebe Healthcare, go to www.beebehealthcare.org/ career-opportunities. Apply online, by calling (302) 645-3336, or via email to employment@beebehealthcare.org. Like us on Facebook at Beebe Careers to get up-to-date job information. Beebe Healthcare is a not-for-profit community healthcare system with a charitable mission to encourage healthy living, prevent illness, and restore optimal health for the people residing, working, or visiting in the communities we serve. It offers services throughout Southern Delaware for residents and visitors, including a 210-licensed-bed
hospital, a cancer center, and outpatient facilities providing walk-in care, lab, imaging, and physical rehabilitation services. For more information, visit online at www.beebehealthcare.org.
Colonoscopies prevent cancer and save lives
Although we freely discuss our medical procedures with friends and family, one medical procedure still makes us uncomfortable: the colonoscopy. If we do discuss the topic with our most trusted friend, it’s never over lunch… and we whisper. Still, the colonoscopy is a quietly heroic procedure. According to the American Cancer Society, colorectal cancer deaths have decreased by an astonishing 30 percent in the past decade. The colonoscopy allows physicians to find polyps within the colon and rectum before they have the chance to develop into cancer. Further, the colonoscopy is a low risk procedure; less than one percent of patients experience complications during or after the screening. “No one in this day and age should die from colorectal cancer,” said Assar Rather, MD, of Bayhealth Surgical Associates, Inc.
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Business Report | April 2016
“With early detection, colorectal cancer is 80 to 85 percent preventable and treatable.” Dr. Rather is a member of Bayhealth’s team of surgeons who conduct screenings, diagnose, and treat patients with colorectal issues. “The colonoscopy is a great thing,” he said. “Most people don’t like the preparation – cleaning out their bowels and drinking laxatives – but if you think about it, the inconvenience is worth it. You’re essentially preventing your own cancer, radiation, and chemotherapy.” If Dr. Rather and his team discover a polyp during a colonoscopy, they remove it and look for signs that it could be cancerous. “Not every polyp is malignant, but we only know for sure when we remove and test them,” he said. Beginning at age 50, today’s average man or woman should have regular colonoscopies every five to ten years in addition to a digital rectal examination. People with higher than average risk factors include those who smoke, are obese, have diabetes, eat a diet high in red or processed meats, and have a history of inactivity or alcohol abuse. In these cases, colorectal screenings after age 50 are a must. Some people under age 50 should have regular colonoscopies. Dr. Rather explained although the overall number of colorectal cancer deaths in people over age 50 has decreased, the number of young people diagnosed is on the rise. “People who have a family history of cancer – especially colorectal cancer – need to be screened earlier than the average person,” he said. His advice is to remain vigilant and report bowel function changes or bloody stool to your physician. “For every person, the age varies – talk to your primary care physician about your own risk. If you have unexplained symptoms, don’t wait to talk about it.” No one looks forward to a colonoscopy, but the procedure saves lives. Take control of your risk – talk to your doctor today! Colonoscopies are performed by gastrointestinal specialists and general surgeons on an outpatient basis. Your physician will need to order this test. To be matched with a doctor who meets your needs, call 1-866-BAY-DOCS (1-866229-3627.) Visit bayhealth.org for more information
HEALTH
other options such as medication, therapy, and injections fail to reduce a patient’s pain, a total knee replacement may be an option. When teaching at Milford Christian School, Hazel Riley’s knees made her days difficult. She dreaded climbing a set of steep stairs at the school, and she began teaching from her desk instead of standing before her class. “Although the kids adapted, I didn’t feel good about it,” she said. Riley realized her pain was keeping her from the things she loved most. In June 2011, Riley visited Orthopaedic Surgeon Stephen Manifold, MD of First State Orthopaedics. Dr. Manifold is fellowship trained in knee and shoulder reconstruction and serves as the Medical Director of Bayhealth’s Division of Orthopaedics. She told him about the stairs at the school and said she wanted to walk them – unaided – by the first day of school. Her visit gave Riley hope; Dr. Manifold explained she was a candidate for total knee replacement surgery. Before surgery, Riley participated in the Total Joint Class at Bayhealth Milford Memorial. Weekly, seasoned nurses teach the Total Joint Class for patients who will soon undergo orthopaedic surgery. Bayhealth physical therapists and case management staff also make presentations. In the class, Riley learned
how to prepare for her surgery, inpatient stay, return to home, and therapy. After surgery, Dr. Manifold admitted Riley as an inpatient at Bayhealth Milford Memorial. The therapists provided physical therapy services on the unit. Riley had clear milestones to meet before she could be discharged. “I had to walk the whole hallway and I had to be able to go up and down two steps,” she said. Just three days later, she was able to go home. Riley’s discharge came with instructions to begin in-home therapy. For two weeks, Bayhealth physical therapists came to her home, getting her moving. “After that, I went to the Bayhealth Outpatient Center at Milford three days per week for continued therapy,” said Riley. In six weeks, Riley went from a walker to a cane, then to walking on her own. “I made good progress,” said Riley. “I was very determined.” Throughout her experience, Riley said that Dr. Manifold and the staff at Bayhealth Milford Memorial worked well as a team to make her surgical experience go smoothly. “They always kept me informed,” she said. On the first day of school, Riley hiked those stairs without assistance. She has since retired from teaching, but enjoys her flexibility
Continued on page 12
Back to life after a total knee replacement
As we age, our knees can weaken or become inflexible due to osteoarthritis. Creaky, painful knees can be everything from a nuisance to completely disabling. When 11
Business Report | April 2016
GUEST COLUMN
The “Startup Act” - catching the economic winds By Ira Kalbrosky Kalbrosky Associates
The “Startup Jobs and Innovation Act,” properly evangelized within the economic development eco-system, can be reasonably expected to create jobs by nudging innovative technologies into the promised land of commercial success. The “Startup Act” addresses major concerns of small technology businesses and startups. The government’s focus on bolstering startups is well-directed “to jump-start economic recovery through the formation and growth of new businesses…,” and was well-founded. Paraphrasing Congress’ findings, “from 1980 to 2005, companies under five-years-old accounted for nearly all jobs created in the United States…accounting for 3M jobs annually….” Therefore, “to get Americans back to work, entrepreneurs must be free (incentivized) to innovate, create new companies, and hire employees.” The employee-hiring ability of technologybased entrepreneurial ventures relies largely upon continued economic (including tax related) incentives and capital investment. Incentivizing and funding such early stage companies requires unflinching resolve given the operating losses typically experienced while a technology’s functionality and value proposition are market-tested, adjusted and re-tested until validated. Only then will the way be clear to pursue economies of scale for production and marketing functions. This resolve to support startups in many ways rests with the government which has adjusted tax code to create investor-friendly treatment to transform otherwise unacceptable risk-reward investment propositions into compelling deals. Further, entrepreneur-friendly tax code has been created to help minimize the risk-taking inherent in the effort to bring innovation to the market and create good-paying technologyoriented jobs. To be effective, the good news about these entrepreneur-encouraging, investor-compelling, job-creating, government-tendered incentives must find its way to the investors and entrepreneurs, and economic development agencies at state and local levels make the perfect evangelists. So, let’s get to preaching the virtues of the “Startup Act” (note: “small business” and “startup” are used interchangeably): Small Business (SB) Expensing The small business expensing limitation was permanently restored to $500,000, thus 12
Business Report | April 2016
encouraging small businesses to continue investing in economy-of-scale-producing assets that improve top line and bottom line performance. This means the SB can fully write off investment “costs” as current expenses (up to $500,000) instead of fractionally allocating deductions against those costs over the course of multiple years. The SB gets the profit-boosting effects from the employment of key assets and the taxreducing effects from fully deducting the cost of those assets in the current year. The financial picture of the company is much brighter from these dual benefits and becomes a more attractive funding opportunity for investors who can justify better terms with the SB for the use of their capital. If expensed costs can’t be applied against taxable income, then an investor may become a pass-through loss beneficiary as addressed below. Small Business Investors The attractiveness of certain small businesses to investors is greatly increased when 100 percent of an investor’s gains on such investments can be excluded from capital gains taxes. Further, the qualifying criteria for a business to be able to offer such favorable tax treatment are less strict now. This means investors can find more of these opportunities. Likewise, more businesses can entice investors with this highly favorable capital gains tax treatment. Investors as Beneficiaries Investors (in certain cases) can be the beneficiaries of losses being “passed through” from the SB (where the business wouldn’t be able to apply said losses against taxable income). Startups Benefit The PATH Act (“Protecting Americans from Tax Hikes”), related to the “Startup Act,” allows the technology-based startup, which is commonly rich in “qualifying research expenditures” and associated tax credits, but often lacking in taxable income, to now apply R&D tax credits against payroll taxes. Startups in this case, among other criteria, are firms with less than $5 million in annual gross receipts. Instead of suffering the inability to take advantage of R&D tax credits due to taxable income restraints, the startup can now use these tax credits to offset their payroll taxes by as much as $250,000 per year for as long as five years. Startup Cost Expensing In the same vein as SB Expensing discussed above, startups will be able to fully deduct up to $10,000 (up from $5,000). This is another $5,000 that can be written off as an expense
versus depreciating fractionally over a 15-year allocation timeline. Cash Accounting The cash accounting method is both less complicated and less costly to maintain, while reducing regulatory risk, versus more sophisticated tax methods required in the past. More small businesses can use this favorable method; now firms with up to $10M in gross receipts, up from $5M, can opt in. It’s not a reach to expect that a small business would save money from less complexity associated with their taxes. These savings, and the attention that would otherwise be focused on complex tax compliance matters, could be used to improve a venture’s chances for success. Favorable winds are at the back of the entrepreneur and investor alike. However, if their respective sails aren’t set to catch those winds then the creation of good-paying jobs and the realization of market-transforming innovations will be less robust than it could be otherwise. Those close economic development ecosystems (you know who you are) would do well to take it upon themselves to “inform and educate” as it is safe to assume that the intended beneficiaries of this favorable legislation are focused on developing cutting edge technologies and making the next deal, and not so much on deciphering government policy. About the author Kalbrosky Associates in Ocean View can help you increase your cash flow and reduce expenses. To learn more, contact Ira Kalbrosky at 877-904-5753, ext. 101 or visit www. KalbroskyAssociates.com. Source: www.gmgsavings.
com
Knee replacement... Continued from page 11
and freedom from pain. “Now I can keep up with my grandchildren,” she said. “I’ve never been able to do that.” Now retired, Riley has become an advocate for knee replacement surgery at Bayhealth. “I wish I had done this sooner. I encourage other people that have issues with their knees to look at total joint replacement,” she said. Riley said there’s a good chance she’ll need to have her other knee replaced, but this time, she won’t wait until it stops her from doing what she loves. To make an appointment with Stephen Manifold, MD, contact First State Orthopaedics at 302-735-8700. Visit bayhealth.org/ortho to learn more about Bayhealth’s Division of Orthopaedics.
TOURISM
Delaware Tourism by the numbers By Tina Coleman
Southern Delaware Tourism
Last month the Delaware Tourism Office released its report, Value of Tourism 2014, compiled by D.K. Shifflet & Rockport Analytics. By all measures, tourism’s upward trend in Delaware continued in 2014 as did its contribution to our state’s economy. That year, tourism contributed $3 billion (or five percent) of the state’s GDP which
Branding increases tourism in Delaware
Tourism brought more people and more money to Delaware than ever before in 2014, making clear the growing value of the industry to the state. Tourism contributed $3 billion to Delaware’s gross domestic product. That accounts for five percent of the state’s entire GDP. And the industry generated $470 million in taxes and fees for state and local government, which is another jump over 2013’s number. The rental home market continued to boom, especially at the beaches. In fact, for the first time ever it eclipsed the billiondollar mark in Sussex County on the back of strong occupancy and rising rates. Rental revenue statewide grew 8.8 percent between 2013 and 2014. “Tourism is clearly an economic engine and growth industry in Delaware. It positively impacts the state’s businesses, workers and tax revenue,” said Linda Parkowski, director of the Delaware Tourism Office. “We believe recent efforts to improve Delaware’s brand regionally will move it forward even more.” The appeal of the state remained strong in Delaware’s key markets. “We’ve increased our media campaign for Delaware – including, for the first time, TV spots,” said Parkowski. “We have targeted places like Philadelphia and New York City. We know that effort will help grow awareness across the Mid-Atlantic of everything there is to discover in Delaware.” The Delaware Tourism Office, 99 Kings Hwy., Dover, a division of the Delaware Economic Development Office, promotes tourism and economic growth in Delaware. For more information, visit the official Delaware Tourism website at www.visitdelaware.com or call toll-free 866-284-7483.
is the total market value of goods and services produced by the state’s economy. It accounted for 10 percent of Delaware’s tax revenues, contributing $470 million in taxes and fees. In fact, measures of all types of tourism-initiated tax revenues were up in 2014 with the exception of Video Lottery & Gaming. Statewide in 2014 Delawareans welcomed eight million visitors, up from 7.5 million the year before. These visitors each spent, on average, $573 per trip or about $102 per day. What about Sussex County? Well, 17 percent - nearly 1/5 of all Sussex County jobs – are tourism related. This figure is a nearly six percent increase over 2013 and a larger increase than those seen in either of the two prior years, both of which also showed gains. Additionally, in 2014 tourism expenditures here in Sussex County totaled over $1.7 billion (40 percent of all tourism expenditures statewide), which is an increase of eight percent over 2013 figures. Our visitors spent $154 million on hotel accommodations, over $62 million on entertainment, almost $240 million on food and beverage, and a whopping $198 million on Delaware’s famous tax-free shopping.
Granted, this is an awful lot of numbers, and numbers without relatable context tend to make our eyes glaze over. Fortunately the report further breaks the numbers down to illustrate what all this means to individual Delawareans. The numbers mean jobs and tax savings. Take a look: • Tourism is the state’s fourth largest employer, with nearly 41,000 – or one in nine Delawareans - employed in the tourism industry. Over 16,000 of those jobs are right here in Sussex County. • This growing industry was responsible, statewide, for 14 percent of net new jobs in Delaware in 2014 • Tourism in 2014 saved each of our households $1,360 in taxes Scott Thomas, executive director of Southern Delaware Tourism, says, “This report reinforces tourism as a growth sector in Sussex County’s economy. It continues to power the county’s economy along with agriculture. With this growth comes the need for every community to identify its tourism strategy to maximize benefits and plan for future needs.”
Whether it’s volunteering for local nonprofits helping others, assisting businesses as quality employees, or participating alongside others in activities for personal growth, people with disabilities bring incredible abilities to their communities. If your company or organization has opportunities to work, volunteer or learn, include people with disabilities and engage their abilities in meaningful ways.
Engage the abilities of people with disabilities. Call 302-422-4014 today. Like us on Facebook
www.facebook.com/KSIWorks
www.ksiinc.org
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Business Report | April 2016
PERSONNEL FILE
Rimmer joins CFF
Children & Families First (CFF) welcomes Laura C. Rimmer as the new development and grants coordinator for Sussex and Kent counties. Based in CFF’s Rimmer Georgetown office, Rimmer will be responsible for expanding funding opportu-
nities and outreach partnerships throughout lower Delaware. Rimmer is a graduate of Manhattan College with a BA in psychology & government and Rutgers University with a masters in social work. She has an extensive background in nonprofit marketing, development, fundraising and social work.
Amy Herr wins scholarship
Amy Herr of Trinity Logistics has been awarded a full scholarship to attend the
Transportation Intermediaries Association Conference in San Antonio, Texas in April. A team member since 2010, Herr was recently promoted to director of Risk Management at Trinity Logistics.
Herr
Dickerson joins Bank of Delmarva Brooke L. Dickerson, CCBIA has joined The Bank of Delmarva as vice president and internal auditor. Dickerson graduated from the University of Delaware with a bachelor of arts degree in finance in Dickerson 2003. She comes to the bank with 12 years of bank auditing experience and obtained her Community Bank Internal Auditor certification from the Independent Community Bankers of America. She lives in Laurel with her husband and two children.
Jackson joins First State Manufacturing NEW MANAGEMENT - Bethany Blues Restaurant in Bethany Beach has a new management team. Zac Warner, who was previously executive chef, is the new general manager. A graduate of The Culinary Institute in Washington, D.C., Warner has worked his way up in the restaurant business over the past 10 years. Israel Cotoc-Pac is the new executive chef and Rory Baldani will focus on developing the pub atmosphere and be in charge of operations and service standards for the restaurant. Cotoc-Pac has been with the company for five years and Baldani for 10 years. Pictured from left: Cotoc-Pac, Warner and Baldini.
Mon.-Sat. 9 am - 9 pm • Sunday 10 am - 6 pm
Long Neck, DE Middletown Crossing Rehoboth, DE Milford, DE 14
302-945-2113 302-376-1616 302-226-2300 302-424-8373
Business Report | April 2016
Smyrna, DE 302-653-1515 Seaford, DE 302-628-1001 Or Any of Our 27 Locations! www.concordpetfoods.com
First State Manufacturing announces that Karen Jackson has rejoined the company as distribution center manager, a new position. “Ms. Jackson comes to us at a crucial time as we expand our distribuJackson tion capabilities,” said President and CEO Dave Hitchens. “Her extensive background in warehouse oversight, during her military career as well as her private sector work in shipping and receiving will be invaluable as we move forward in 2016 to service our commitments to Amtrak, Washington Metro, Boston Transit, North Carolina Department of Transportation as well as our expanding international mass transit market.”
CHAMBER LISTINGS Chamber
Phone
Key Contact
Dues*
Members
Fax
Bethany-Fenwick Chamber of Commerce
539-2100
Kristie Maravalli
$211
800
539-9434
Delmar Chamber of Commerce
846-3336
Diane Johnson
$75
67
846-3336
Georgetown Chamber of Commerce
856-1544
Karen Duffield
$150
460
856-1577
Laurel Chamber of Commerce
875-9319
Don Dykes
$130
175
280-6365
Lewes Chamber of Commerce
645-8073
Betsy Reamer
$210
432
645-8412
Milford Chamber of Commerce
422-3344
Jo Schmeiser
$165
310
422-7503
Millsboro Chamber of Commerce
934-6777
Amy Simmons
$150
260
934-6065
Milton Chamber of Commerce
684-1101
Lisa Sumstine
$150
120
684-1101
Rehoboth-Dewey Chamber of Commerce
227-2233
Carol Everhart
$210
1,303
227-8351
Seaford Chamber of Commerce
629-9690
Lynn Brocato
$150
340
629-0281
Central Delaware Chamber of Commerce
734-7513
Judy Diogo
$260
1,000
678-0189
Delaware State Chamber of Commerce
655-7221
Chuck James
$315
2,000
654-0691
Delaware Small Business Chamber
482-2120
Bob Older
$285
215
Delmarva Black Chamber of Commerce
450-4501
Clay Hammond
* Annual membership cost based on businesses with fewer than 10 employees. For Delaware State and Central Delaware chambers membership cost figure is for 1-5 members.
Law firm welcomes new associates
Baird Mandalas Brockstedt, LLC welcomes Stephen W. Spence as senior counsel and Stephen A. Spence as an associate. Stephen W. Spence is a seasoned attorney with an established practice serving individuals and business clients. He has developed a strong creditors rights, insolvency, bankruptcy, and asset protection practice. He practices before the office of the Alcoholic Beverage Control Commissioner for the acquisition and transfer of liquor licenses, as well as related enforcement actions. He is a graduate of the University of Delaware and earned his law degree from Widener University Delaware Law School. Like his father, Stephen A. Spence is a graduate of the University of Delaware and Widener University Delaware Law School. He clerked with Justice James T. Vaughn when he was president judge of the Delaware Superior Court. He also served as judicial extern to Judge Joseph R. Slights when he was on the Superior Court. He assists businesses with contracts, leases, real estate, and other commercial matters including litigation. He intends to focus his efforts on commercial and tort litigation, and the firm’s business and corporate practices. They will be based in the firm’s Lewes office. 15
Business Report | April 2016
COVER STORY
Stewart and her staff celebrate the Department receiving full accreditation from the National Association of Insurance Commissioners in 2014. NAIC conducts this review of each state insurance department every five years to ensure that all states have enacted appropriate laws and provided necessary financial oversight in accordance with national financial solvency standards.
What does the Delaware Department of Insurance do for you? By Carol Kinsley Karen Weldin Stewart was elected Delaware's 25th Insurance Commissioner in 2008, and is now serving her second term. She regulates Delaware's insurance industry, fighting for the rights of consumers, ensuring that companies are able to pay claims, and enforcing state insurance laws. Stewart is a life-long Delawarean —her Quaker ancestors settled north of Wilmington in the 1600s, after coming over with William Penn. Weldin Farm and Weldin Road, off Route 202, are named for her family. She graduated from Claymont High School and Brandywine College. She has served as a consultant to insurance commissioners across the country and was Delaware’s Deputy Insurance Commissioner from 1989 until 1993. In 1991, Stewart founded the International Association of Insurance Receivers and was elected three times as president. She received her Certification for Insurance Receiver, Multiple Lines (CIRML) in 1995. 16
Business Report | April 2016
Since she became Commissioner, her office has continued to be a revenue generator for Delaware, giving half a billion dollars to the state over seven years in premium taxes and fines levied against insurance companies. A portion of that goes to Delaware fire companies and ambulance services, the police pension fund and workers' compensation fund. The balance goes into the state’s general fund. The mission statement of the Delaware Department of Insurance is simple: "Protecting Delawareans through regulation and education while providing oversight of the insurance industry to best serve the public." Carrying out that mission is not so simple. "The companies we regulate have $621 billion in assets," Stewart said. "We monitor 1,800 companies licensed to do business in Delaware. Delaware ranks 10th nationally for written domestic premiums, amounting to $53 billion in 2014." What's more, in 2015 DOI had the seventh lowest department operating budget in the United States. Stewart is always trying to keep the cost
of insurance low. In February, she announced that Delawareans paid the seventh lowest average homeowner’s insurance premium in the country in 2013, the most recent year for which data is available. According to research by the National Association of Insurance Commissioners, homeowners in Delaware paid an average of $709, nearly $400 less than the national average of $1,096. Commissioner Stewart said, “If you’re looking to save on your homeowners insurance, shop around for quotes from different companies. Always ask about possible discounts, like multi-line discounts for having your auto and home insurance through the same company.” Despite expensive weather-related claims on coastal properties in recent years, it is still possible to insure homes close to the water in Delaware. "There are approximately 25 companies who write insurance on beach homes in Delaware," Stewart said. In some cases where licensed in-state insurers will not accept a risk because it may be too big, too unusual or not up to their
standards, homeowners insurance may be procured from a surplus line insurer. "Companies who are licensed to do business as a surplus line are willing to take risks that others may not. For instance, they may insure homes right on the water or manufactured homes. But the price of the coverage will reflect the higher risk.” "These policies are not the cheapest, but being on the water is not the safest place to have a house," Stewart acknowledged. "Coverage is available. We changed the law to make it so people would have more choices." DOI advocates for policyholders during disputes with insurance companies, and last year recovered nearly $1.1 million for individuals while handling 4,450 formal complaints and inquiries. In addition, the Department facilitates arbitration hearings on behalf of consumers, which led to awards totaling $816,384. "We recover a lot of money for policy holders," Stewart said. In fact, she estimates DOI consumer services division has saved Delawareans around $2 million a year for seven years. The Commissioner also keeps her eye on questionable practices by some insurance companies. One recent example involves what is called a "widow's penalty." Stewart said a company was filing for a rate change, indicating it wanted to charge widows and widowers the same auto insurance rates as a single person. "I said, ‘No, you're not going to do that.’ I made them refund the money, then I issued a Department bulletin stating that no company could engage in that practice.” There are studies that show single people in their early 20s are at a greater risk for automobile accidents than married people of the same age. After they get married, people tend to settle down and become better drivers. However, insurance companies haven’t provided statistical support to show that persons between, say, 40 and 60, who suffer the loss of their spouse, become worse drivers,” Stewart noted. "You don't become a greater driving risk just because you are suddenly single again.” She does offer one caveat: Companies may set a married couples’ rate by taking each spouse’s driving record into consideration. “So, if you're the surviving spouse and you personally have a bad driving record, then your premium could go up." Last fall, Stewart also issued a bulletin prohibiting the use of "price optimization" by property and casualty insurers when setting rates for personal lines of insurance such as automobile and homeowners’ policies.
Price optimization is based, not on risk, but on data-mined information that a given customer tends not to shop around, or is unlikely to notice or object to an increase of premium. Price optimization violates well-established state insurance laws, like Delaware’s, which say that insurance rates shall not be “unfairly discriminatory.” Insurers are allowed to discriminate based on factors such as age, gender, marital status and driving record. But unfair discrimination can occur when one of two drivers with the same risk profile is charged a higher rate, only because data-mining results indicate she is the kind of person who is less likely to notice the increase or to switch insurers. "Price optimization penalizes customers who are loyal to their insurance company, and I won’t allow it in our state,” Stewart said. "Delaware was one of the early states to issue a consumer bulletin on that. Since then a number of other states have followed our lead." Although insurance regulation may seem dull to the general public, it can also be exciting — sometimes too exciting. "We regulate the solvency of insurance companies, to make sure that claims against the company can be paid," Stewart explained. "Last year, a man who owned an insurance company that was operated like a Ponzi scheme was convicted on multiple counts of fraud." Former insurance company executive Jeffrey B. Cohen was sentenced to 37 years in federal prison and required to pay $137 million in restitution by a federal court judge in Maryland in December. His empire began to unravel when a DOI analyst questioned a fraudulent bank report made by Cohen. During the course of the litigation, Cohen had made threats against DOI officials and a Delaware Chancery Court judge. When federal law enforcement agents went to his house to arrest him on the fraud charges, they found weapons, bomb-making materials, disguises and attack plans he might have used to carry out those threats. Commissioner Stewart likes to promote two DOI programs which save money for different groups of Delawareans. The Workplace Safety Program promotes safety on the job and provides lower workers compensation insurance premiums for qualifying employers conducting business within the State of Delaware. Last year, this program saved large and small businesses $9 million in wokers comp premiums. Participating employers can get a discount of up to 19 percent on workers' compensation policies by submitting to and
passing an inspection by a third party vendor. The Delaware Medicare Assistance Bureau (DMAB), formerly known as ELDERinfo, provides information, counseling and assistance to people with Medicare on health insurance matters. Although Medicare is a federal program, DMAB offers beneficiaries health insurance counseling free of charge, to help them better understand their options. "We helped 7,000 beneficiaries last year," Stewart said, “and saved them nearly $840,000 in healthcare costs." Stewart is especially proud of DOI’s Bureau of Captive and Financial Insurance Products. Captive insurance is the state’s fastest growing industry, and Delaware is the world’s fifth largest and the country’s third largest captive domicile. Captive insurance is a form of self-insurance, Stewart explained. A captive insurer is an insurance company that is wholly owned and controlled by its insureds. Its primary purpose is to insure the risks of its owners. Some captives insure unusual risks for which traditional coverage cannot be easily found in the market place. One example is Nuclear Electric Insurance Ltd., a Bermuda company domiciled in Delaware with 40 employees in Wilmington. NEIL insures nuclear power plants around the world. It is coverage that most of the plants are unable to get from any other source. When Stewart formed the Captive Bureau within DOI in July 2009, it had 38 captives. Today it has licensed more than 1,000 active captive entities. During her tenure, the Captive Bureau has generated more than $16 million in revenue for Delaware. Captive Review magazine recently named Stewart to its first Enterprise Risk Captive Pioneers list, recognizing 20 of the “key influencers” in the U.S. captive industry. The DOI is the largest consumer protection agency in the state, but don't let its size intimidate you. If you have a problem or question about insurance, call. "No matter how little (your problem) may seem, it is important to us," Stewart said. She cited an example where one woman called to say she had not been given a required premium discount for the $45 safe driving course she took. Stewart said, "We investigated and found the company had not given that discount to any of its policyholders for three years. We made them reimburse everybody and we levied a fine. All from just one phone call." Consumers may call (302) 674-7300 or (800) 282-8611. For Medicare assistance, call (800) 336-9500. 17
Business Report | April 2016
Home Sweet Home Customers come first at M Insurance Services By Carol Kinsley
There’s a new beginning at M Insurance Services in Dagsboro and owner Bill Biordi is enthusiastic about the opportunities ahead. “This company has been around for more than 30 years and we have an exciting plan for the future. Our area of Sussex County is experiencing exponential growth. We are here to service all customers, whether they’ve been here a long time or are newcomers. We offer good, affordable insurance.” Biordi purchased the company in 2004 and simplified its name from McComrick Insurance Services to M Insurance Services because people had trouble spelling the McComrick name. “I kept the word ‘Services’ in the name because that’s part of our company culture, to do whatever it takes to help our customers. No appointment required. Come in and we’ll sit
M
I NS
U RAN C E S E RVI C
and talk about your needs, no matter what they are,” Biordi said. M Insurance Services is a local, independent agency, representing many carriers. “We can insure almost any risk,” Biordi said. “We carry many different forms of insurance lines to help our customers.” Biordi handles the life and health insurance at the agency. “We’re in a unique position. We market, sell and service the quality of life insurance, which you don’t have to die to use.” He explained, “If an insured is critically, chronically or terminally ill, he or she can access a portion of the death benefit for any purpose, including supplemental income, medical expenses or long-term care.” M Insurance has a contract with Goodville Mutual, a regional, faith-based company. Goodville offers insurance for auto, home, business, farm and churches. Goodville is an especially good company for tradesmen, Biordi
said. Jessica Bowden, who has been with the agency since 2003, added, “We can be extremely competitive with home and auto insurances, particularly if we bundle them.” Bowden handles personal lines of insurance, including homeowner’s, renters, mobile home and condo, rental protection, and flood insurance. M Insurance Services can even insure coastal properties with competitive rates. “We have carriers that will insure close to the water,” Biordi said. Mechelle Ray handles commercial lines, including coverage for property, liability, inland marine, commercial vehicles, and workers compensation. With the Goodville contract, Mechelle has a liability package for tradesmen that is affordable and gives good coverage. “We have wonderful staff here,” Biordi said. “Kelly Collins is our bookkeeper and
Continued on page 20
ES
Good, Affordable Insurance! facebook.com/MInsuranceServicesLLC
HOME • AUTO • LIFE
SALES POSITIONS AVAILABLE
facebook.com/ facebook.com/MInsuranceServicesLLC
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Business Report | April 2016
32183-9 N. DuPont Blvd., Dagsboro, DE • www.minsuranceservices.com 302.732.6655 – or – 866.837.6655
Sussex County is a great place to call home
With 26 miles of the Atlantic coast, some of the lowest property taxes in the country and towns small enough to cultivate a feeling of togetherness and support, Sussex County remains one of the best places in the mid-Atlantic region of the United States to call home. At the Sussex County Association of Realtors, we have more than 1,500 trained and licensed realtors throughout the county to help you find your dream home - right here in southern Delaware. Whether it’s a home in the quaint village of Bethel in the west, in the central Sussex County towns of Georgetown or Millsboro, or in one of the coastal towns on the eastern third of the county - southern Delaware has something for everyone. Enjoy farmland, condominium or townhome living, single-family homes of every size and shape, and million dollar beach homes - all lining not only the Atlantic shore, but also those of the inland bays and rivers. Simply put, southern Delaware is a great place to call home, and that’s why Sussex County is the fastest growing county in the First State.
But, regardless of where in Sussex County you choose to call home, the American Dream of homeownership is alive and well in southern Delaware. Especially here, where property taxes are the fourth lowest in the country and where residents also pay no sales tax, owning your own home is quite simply an intelligent choice and an even better investment. As it has been for generations, buying a home continues to be the single largest purchase most people will make in their lifetime. But owning a home has also proven to have long-lasting financial benefits. Here are some of the national facts: • Over the past three decades, housing values have risen more than six percent annually. • On average, the value of a home doubles every 10 years. • Sixty percent of the average homeowner’s wealth comes from their home’s equity. • The average homeowner’s net worth nationally is $171,000. That’s nearly 46 times that of a renter, who has an average net worth of $4,800. There’s no disputing the impact an area’s housing market has on the economy.
According to the National Association of Realtors, the sale of a home priced at $173,000 generates $58,529 in economic activity, including fees for real estate agents and title companies. That figure also encompasses so-called “supporting industries” like furniture and HVAC companies, services like landscaping, home maintenance, and countless other areas. New home sales contribute even more to the local economy, including construction materials and jobs. Real estate is the single most influential industry in the United States as it relates to the overall economy. Whether it’s in Delaware, where real estate transfer tax reigns supreme and contributes millions each year to the state’s general fund, or nationally, where cash generated from real estate sales supports many worthwhile programs and initiatives, real estate continues to be the king. It’s true in Sussex County, Delaware, and it’s true throughout the nation. To learn more about the Sussex County Association of Realtors, visit us online at www.scaor.com.
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Business Report | April 2016
Surveying students Barrett Ryan, Justin Metz, Charles Howell, and Cody Hammond get instruction from Diane Calloway, instructor and department chair for the Civil Engineering Technology program, before setting up their surveying equipment.
Student Erin White makes sure her equipment is level before beginning to survey the land.
Del Tech offers civil engineering technology degree The building boom doesn’t seem to be slowing down anytime soon, and with those projects always popping up across the state there’s a need for highly trained individuals to make sure every facet of the project is done right. The Civil Engineering Technology (CET) degree program at Delaware Technical Community College’s Owens Campus is focused on the broad discipline of civil engineering. This includes all facets of dealing with the land and developing it to meet the needs of a proposed project. “We are not able to dive fully into all of the topics; however, our program offers a great foundational knowledge of the primary concepts,” said Diane Calloway, department chair for the CET program. Students interested in gathering information of the existing site location so that civil engineers can design a project might be more interested in majoring in the Civil Engineering Technology, Surveying and Geomatics Option (SET) degree. The SET degree is interwoven with the standard CET degree, but offers the students higher order surveying courses to help them 20
Business Report | April 2016
focus in on the art of surveying. In the coming years, Calloway is hoping to make some changes to the program to continue to serve the needs of the local economy and to make sure students are ready to enter the workplace. This includes creating an internship in the SET program so that students get real world experience on their resume prior to graduation, adding a Geographic Information System (GIS) course to the SET degree, and finalizing a Civil Transfer Option (CTO) degree, which will be designed to streamline Delaware Tech’s program to match the curriculum of four year civil engineering degree program so that students will be able to graduate with a degree from Delaware Tech and then transfer as a junior. “As a graduate of this program who had to make that transition myself, I know the value of these agreements and I want to see our program make partnerships with several other colleges and universities so our graduates have options,” Calloway said. Graduates of the CET program can expect to find employment as a construction inspector, testing technician, or as a CAD technician/ drafters, while graduates of the SET program can also work as a surveying technician.
Some of the program’s recent graduates are employed locally at Davis, Bowen & Friedel, Inc., Cotton Engineering, and Allan Meyers Materials. For more information, visit www.dtcc.edu.
M Insurance ...
Continued from page 18
office manager and has been with the agency since 2008. Other essential personnel are Kaitlin Bratten and Harriet Hannah, both customer service representatives. “It’s a small office. We work well together,” Biordi continued. “We have recently revamped our website, www.minsuranceservices.com, to make it mobile friendly. It’s the fastest way to say ‘call me!’ We’ll return the call right away. “We are also excited about our new commercial,” Biordi said. “Check it out on TV, our website and our Facebook page!” M Insurance Services is located in the Savannah Square Shopping Center at 32183 N. DuPont Blvd., Unit 9, in Dagsboro. Call 302-732-6655 or just drop in to discuss good, affordable insurance.
ing eer gi n l En u ra ec t hit A rc
Less Lecture
MORE HANDSON LEARNING See what’s different at dtcc.edu.
A degree different 21
Business Report | April 2016
Advice of Lyons Companies: Be prepared, know your broker By Carol Kinsley
KSI DONATION - Kent-Sussex Industries, Inc. (KSI) recently received a donation from Delaware Electric Cooperative (DEC) which will enable the agency to continue providing a variety of programs to individuals with disabilities throughout Kent and Sussex counties. Pictured, Kevin Yingling, of DEC, presents the donation to KSI CEO B. Craig Crouch. Yingling is a member of KSI’s board of directors.
Risk Control
Captives
Workers Compensation
lyonsinsurance.com Wilmington 302.658.5508
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Business Report | April 2016
Rehoboth 302.227.7100
With today’s technology, it’s easy not to connect with your insurance agent. That can be costly — both financially and emotionally — if you have a major claim. Kevin Thomas of Lyons Companies, the largest independently family-owned risk management and insurance broker in Delaware, described how he was able to help two families who suffered total loss from house fires. A Wilmington family was not home when their house burned, but they lost everything. Recovering from the loss was an arduous process, Thomas said, “but we were there to help them.” With their immediate needs met, clients still have responsibilities of jobs and family. Often it is impossible to juggle everything with a major claim. This family was supposed to go on vacation a few months later, but thought they’d have to cancel. Thomas encouraged them to go. “If anything needs to be done, I’ll get in touch with you,” he assured them. Thomas learned a lot about the human side of insurance from these tragedies. The first lesson was, “Be prepared.” Inventory and document possessions, especially antiques and heirlooms. Store the information off-site. In cases of complete loss, after the essentials come important items like cell phone chargers, clean blankets and sheets, and favorite toys for children. You want a broker who partners with companies that can repair, replace, even store specialty items. Both these families paid a bit more for insurance, but the coverage limit he had suggested was worth it, Thomas insisted. “We can provide insurance advice, but whoever your agent of choice is, get to know them. Build rapport to ensure that when this happens, that person is next to you in the foxhole. There’s nothing worse than going through something like this alone.” Contact Lyons Companies toll-free at 800456-5508, or visit online at www.lyonsinsurance.com.
Local Chamber of Commerce events
April- Delaware Business Resiliency Summit set for April 7- The 2016 Delaware Business Resiliency Summit will take place in April. This summit is a partnership among the SBDC, SBA, and the Delaware Resiliency Advisory Board and will be held on Thursday, April 7 from 8 a.m. to 1:15 p.m. at Kings Creek Country Club. There is no fee to attend. Visit www.beach-fun.com for more information. Party at the Pond/A Family Jeep Jamboree– The Laurel Chamber of Commerce is pleased to announce this inaugural event to be held April 8-9 at Trap Pond State Park. The event is family friendly and features a Friday Night Meet and Greet, a Jeep Show ‘n Shine, Escorted Jeep Parade to Delaware State Parks Surf Tag Auction, Western Sussex Scavenger Hunt, Food Vendors, Huge Raffle, 50/50, Campfire, and Live Music by the Bo Dickerson Band. Children’s activities include a youth fishing tournament, wagon rides, coloring contest, nature talks, bouncy house, and more. Proceeds benefit the Laurel Chamber of Commerce and the Trap Pond Partners. Jeep participants $30 (park fees included); Spectators free (Park entrance fee applies). Visit www.jeeppartyatthepond.com or call the Laurel Chamber at 875-9319 for more information. You don’t need a Jeep to come out and enjoy this event, 55+ Expo- The 55+ Expo will take place April 12 from 9 a.m. to 4 p.m. at Dover Downs Hotel and Casino. With over 5,000 people in attendance, you will have a great opportunity to acquire new customers and clients by promoting your organizations’ products, services and information. Don’t miss this opportunity to promote your business to Delaware’s fastest growing population – the 55+ population. There will be over 100 vendors, a cooking show, wellness center with free health screenings, a volunteer fair, live entertainment, and so much more! Brand new to the 55+ Expo will be the Caregivers’ Support Center! This area will be packed full of important information needed to take care of your parents or grandparents. A complete list of exhibitors and a schedule of events and seminars will be available in March so be sure to visit cdcc. net/55plus for more information! Ocean to Bay Bike Tour- The 27th Annual Ocean to Bay Bike Tour presented by NVHomes/Ryan Homes will take place on April 16 beginning at 7:30 a.m. in downtown Bethany Beach. Hosted
by the Bethany-Fenwick Area Chamber of Commerce, cyclists region-wide will complete 30-mile, 50-mile, Metric Century or Century courses travelling throughout the scenic beach and bay locales of Southern Delaware. Registrants will receive access to exclusive gifts and amenities including a long-sleeve tech tee and a swag bag. Rest stops will be open along each of the routes with restrooms, food and beverages. SAG Wagon support will be available from 7:30 a.m. through 2:30 p.m. “The 2016 Ocean to Bay Bike Tour is the signature outdoor event of the Quiet Resorts and is certainly not to be missed whether a social or serious cyclist,” says executive director, Kristie Maravalli. “In fact, the number of registered cyclists for this year surpassed the total number of participants in 2014.” The ceremonial start will be held at 7:30 a.m. in downtown Bethany Beach for the show-and-go tour. The supporting sponsors of the event, Beebe Healthcare, Bishop’s Landing of Beazer Homes, Mediacom Residential, PNC Bank and ResortQuest, have played an active role in making the Bike Tour more attractive to the cyclists making the weekend bigger and better than ever. After the main event, participants are invited to the Continue the Tour Post Party Tent with live entertainment featuring Monkee Paw Duo as well as food, beverages, vendors and prizes. All registrants will be entered to win special prize packages, awarded through a drawing of bib numbers. Cyclists and their families and friends can add to the fun by tagging #OceanToBay on social media in pictures, specials or highlights. In addition, the Ocean to Bay Voler jerseys are also available to anyone for purchase with toyour-door delivery. “The partnerships with all of our sponsors and businesses have grown the event into a weekend affair,” added Maravalli,
“With the majority of our cyclists coming from outside of Sussex County and the state, people come to enjoy the Quiet Resorts for the entire weekend.” For those looking to stay overnight, participants who mention the Ocean to Bay Bike Tour will receive a 10 percent discount on their Holiday Inn Express reservation when staying two nights or more and will be privy to vouchers and specials to be used at many participating local businesses throughout The Quiet Resorts. Registration is open, and current prices will increase on April 1st and then again at on-site registration. Individual and team registration can be completed by mail, email, or in person at the Chamber; online registration is available through April 13. Visit www. oceanttobaybiketour.com to register and for complete information Millsboro Chamber to hold Business Expo/Job Fair- On April 21, the Millsboro Chamber will hold a Business Expo/Job Fair at the Millsboro Town Center from 2-6 p.m. Vendor spots are $25. For more information please contact the Chamber office 302-934-6777 or e-mail info@millsborochamber.com Western Sussex County Job Fair to be held April 26- The Western Sussex County Job Fair, sponsored by the Greater Seaford Chamber of Commerce, will take place Tuesday, April 26 from noon to 4 p.m. at the Seaford High School gymnasium at 399 North Market Street in Seaford. The job fair is open to potential job candidates. Businesses looking for help are invited to reserve a table. The cost is $25 for chamber members and $35 for non-members. Visit www.seafordchamber.com/jobfair or call 302-629-9690. Send Chamber events to mmcclure@ mspublications.com.
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Business Report | April 2016
$tand By Me urges parents and college-bound students to apply for financial aid
RIBBON CUTTING - The Rehoboth Beach – Dewey Beach Chamber of Commerce (RBDBCC) welcomed Person 4 You into their membership with a ribbon cutting ceremony recently. Person 4 You is a premier personal and professional concierge service for the Eastern Shore and surrounding areas. Person 4 You offers a wide variety of services including grocery/gift shopping, mail pickup and delivery, home organization, calendar management, appointment setting, vacation planning, itinerary planning, vacation home set up and tear down, and short term nanny and pet care services. For more information on Person 4 You, visit www.person4you.com or call Lori at 302-228-8680. Pictured from left: Patty Burkentine, RBDBCC; Dylan Seward; Mason Seward; Lori Seward; Dolores Chambers; and Joy Kidd, RBDBCC.
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Business Report | April 2016
It’s not too late for high school students to receive financial aid for college next fall. Money in the form of scholarships and grants, which don’t have to be repaid, is available from federal, state and other sources to all kinds of students. $tand By Me urges high school students and their parents to start the financial aid process by filling out the Free Application for Federal Student Aid — or FAFSA. All granting and lending sources use the information on FAFSA to determine the kinds, amounts, and sources of aid for which students qualify. The FAFSA is the first step and a necessary one in finding money for college. “We can’t stress enough the importance of filling out the FAFSA,” said Mary Dupont, director of the Delaware Financial Empowerment Office in the Department of Health and Social Services. “Nearly every student that completes the form receives some kind of federal aid, usually in a mix of grants and scholarships, low-interest loans, campus jobs, and other sources.” Tuition assistance and scholarship programs such as Delaware Student Excellence Equals Degree (SEED) and Inspire each require a FAFSA application. $tand By Me is a financial empowerment program that is a joint project of the State of Delaware and United Way of Delaware. $tand By Me supports the governor’s initiative for all Delaware students to obtain a secondary education. Having an education beyond high school statistically helps young people find more satisfying and higher paying jobs, contributing to happier and more fulfilling lives. All students qualify for financial aid, regardless of grades. Most federal student aid programs are based on financial need. Private scholarships may look at grades but other factors such as leadership qualities, heritage, major and residence are considered. The federal government has worked to simplify the form. THE FAFSA has been made shorter, accessible online and with the ability to complete in intervals, saving the information already entered. It is very userfriendly, with easy-to-understand questions. Helpful tips are in the margins throughout the document and a FAFSA Helpline has been established, staffed by FAFSA experts, to provide one-on-one assistance. $tand By Me also offers assistance in completing the form through its College Funding Program. Counselors at the
Lake Forest students study food service
Harrington Raceway and Casino hosted a group of food and beverage professionals, students and members of the community recently for a dinner and information session aimed to increase awareness and garner support for local students pursuing a culinary career path. The event was held in Bonz, the casino’s premiere dining venue, where a group of approximately 40 gathered to learn more about the Delaware Restaurant Associationadministered Pro-Start program, that has brought together food and beverage employees at Harrington Raceway and Casino with youth in the Lake Forest school district. Several students at Lake Forest are currently enrolled in Pro-Start, a nationwide two-year high school program that unites the classroom and industry to develop restaurant and food service leaders of the future. Pro-Start was originally launched as part of Governor Jack Markell’s “Pathway to Prosperity” initiative. “The Pro-Start program pulls together the Department of Education, educators, students, schools, mentors and industry,” said Carrie Leishman, President/CEO of the Delaware Restaurant Association. “By working with leaders in the hospitality industry like those at Harrington Raceway and Casino, we can provide a great opportunity to students. This program develops their leadership and youth development skills both inside and outside the kitchen.” The food and beverage/hospitality industry has proven to be a vital industry in The First State with an estimated 46,000 employees in Delaware, approximately 10 percent of the state’s workforce.
organization can help students and parents with questions they may have. The deadline to submit the form for fall semester is June 30, but $tand By Me encourages early submissions because scholarships and grants have limited amounts. The earlier a student applies, the greater his or her chances are for receiving free college money. The FAFSA form may be accessed online at fafsa.ed.gov and the FAFSA toll free helpline is (800) 433-3243. Learn more about $tand By Me www.standbymede.org.
From back left: Harrington Raceway and Casino COO of Hospitality Hank Rosenberg, Lake Forest High School Principal Theodora White, Lake Forest School District Superintendent Brenda Wynder, Lake Forest School District Director of Human Resources Travis Moorman, State Representative Bobby Outten. Front Row: Delaware Restaurant Association CEO Carrie Leishman, Lake Forest High School students Janaie Thomas and Cassandra Broadhurst, Lake Forest High School Family and Consumer Sciences teacher Kelly Haugh, Lake Forest High School students Collin Tunnell and Zietara Fields, and President of the Central Delaware Chamber of Commerce Judy Diogo.
APRIL 2016 CALENDAR
SCHEDULE YOURSELF FOR SUCCESS~ Call 302-856-1544 Apr. 6 1st Wednesday Chamber Economic Development Council Meeting Noon -1 pm, Georgetown Wesleyan Church, Georgetown. Special Presentation: Learn more about the exciting re-opening of the Historic Georgetown Speedway and the economic impact it will have on our area. Lunch is served. All are welcome! Apr. 6 1st Wednesday Chamber Board of Directors’ Meeting 4 pm, CHAMBER OFFICE, 827 East Market St. in Georgetown. Call 856-1544 for more information. Apr. 13 2nd Wednesday Chamber Breakfast Meeting, 7:45-8:45 am; DEL TECH Student Services Center, Executive Dining Room, $9 per person. Special Presentation: TBA; RSVP by Tues. April 12th by calling 302-856-1544 or email karen@georgetowncoc.com. Stay afterward for Del Tech’s 1 Million Cups presentation from 9-10 am. Apr. 20 3rd Wednesday Chamber Mixer 4:30-6:30 pm; Host: TBA. Great opportunity to do some great networking, enjoy great refreshments and make some great connections! Apr. 27 4th Wednesday Special Chamber ‘Business2Student’ Speed Networking Luncheon, 12 noon-1 pm, NOTE: DIFFERENT LOCATION THIS MONTH - Del Tech’s Carter Partnership Bldg in Georgetown (Room 340 A-B). FREE Lunch compliments of DTCC. ONLY 30 SEATS AVAILABLE. Reserve yours today! RSVP by calling 302-856-1544 or email karen@georgetowncoc.com.
Call Us If You Want to Grow Your Business
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Business Report | April 2016
BUSINESS LICENSES BETHANY BEACH
Builder Bob Construction Solutions Inc.; Unit 56167 Cypress Lake Cir., Bethany Beach; contractor-residential Centineo, Cindy L., Cindy C. Designs; CS Edgewater House Rd., Bethany Beach; professional and/or personal services Olson, Michael C., MCO Consultants; PO Box 1570, Bethany Beach; professional and/or personal services-unclassified
BRIDGEVILLE
Hagman, Nancy D., Pretty Things; 9754 Sunnyside Rd., Bridgeville; retailerflorist Tienda Mi Pricesita LLC; 420 Market St., Bridgeville; retailer-grocery supermarket
CAMDEN
Edwards-Rowe, Jacquelyn R., The Healing Garden; 102 S. Main St., Camden; retailer-various products/professional and/or personal services Fee, Dezirae L., DL Management; 803 Commons Ln., Camden; professional and/ or personal services State Side LLC; 386 Walmart Dr., Ste. 7, Camden; professional and/or personal services Tindall, Cody W., Tindall’s Tinting; 320 Cambridge Rd., Camden; professional and/or personal services
DELMAR
Delmarva Performance and Repair; 502 N. BiState Blvd., Delmar; personal service-motor vehicle service Golts Group, The; 36998 BiState Blvd., Delmar; professional and/or personal services T&T Towing; 36959 Sussex Hwy., Delmar; personal service-motor vehicle service/retailer-various products
DOVER
Altus GTS Inc.; 95 Wolfcreek Blvd., Ste. 2, Dover; mercantile or collection agency Around the Way Home Health Care; 235 W. Loockerman St., Dover; professional and/or personal services Booker Forrest, Everything Good; 6007 Hazelnut Dr., Dover; wholesalerany products Bounce Around Inflatables; 477 Aspen
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Business Report | April 2016
Dr. Dover; lessor of tangible personal property Branto Inc.; 160 Greentree Dr., Dover; reconciliation purpose code Coverdale, Jacqueline, Mahogany Blue; 191 Lexington Pl., Dover; retailervarious products Coverdale, Jacqueline, Elegant Greetings; 191 Lexington Pl., Dover; retailer-various products Dover AFB Dance Program; 864 Center Rd., Dover; personal servicesdance school El Patron Management Company; 859 N. Dupont Hwy., Dover; professional and/or personal services Escape Room Delaware LLC; 631 Ridgely St., Dover; personal servicesentertainment agent Gary, Stephanie, Day Maker; 205 Doveview Dr., Unit 202, Dover; professional and/or personal services Guy, Mikia R., Write the Vision; 636 Carrington Dr., Dover; professional and/ or personal services Harris-Hunt, Sue E., Party Fairies; 241 Pine St., Dover; professional and/or personal services Hartnett, Kathy; 76 Herbies Corner Rd., Dover; contractor-residential Internet Strategies & Solutions, Miracle Life Solutions; 22 Shinnecock Rd., Dover; professional and/or personal services-unclassified KCKR IV LLC, Sport Clips; 1211 N. Dupont Hwy., Ste. C, Dover; personal services-barber Keene, Kevin, Keene Dental Studio; 2000 Cypress St., Dover; professional and/or personal services No Name Trucking; 390 Nimitz Rd., Dover; drayperson/mover Noblewood Florals; 255 S. Short Dr., Dover; retailer-florist Pettit, Mia M.; 103 Mont Blanc Blvd., Dover; professional services-counselor Rene A., A Rene Luxury Hair Designs; 2888 Fast Landing Rd., Dover; retailerdry goods & apparel Rt. 8 Subway LLC, Subway; 991 Forest Dr., Dover; retailer-restaurant Spence, Nathan, Ag Tech; 863 Central Church Rd., Dover; personal servicesgeneral repairperson Superior Regional Group & Assoc.; 8 The Green, Ste. 4613, Dover; professional and/or personal services
Two; 907 Wilson Dr., Dover; professional and/or personal services White Harvest Janitorial and Property Management; 222 S. Dupont Hwy., Ste. 104, Dover; contractor-residential Wolf Electric LLC; 1160 Rose Valley School Rd., Dover; contractor-residential Workforce Logistics; 280 Kesselring Ave., Dover; personal service-motor vehicle service GEORGETOWN
Morgan Capital Management; 22988 Lawson Rd., Georgetown; professional and/or personal services RRV Construction LLC; 822 E. Market St., Georgetown; contractorresidential
GREENWOOD
Doyle, Corey L., Greenhurst Farm & Hair Salon; 111853 Greenhurst Farm Rd., Greenwood; personal services-beautician Marketplace Antiques; 12240 Sussex Hwy., Greenwood; retailer-dry goods & apparel
HARRINGTON
Beginnings with Bryn; 537 McCauley Pond Rd., Harrington; professional and/or personal services Dynamic Therapy Services LLC; 1000 Midway Dr., Unit 67, Harrington; professional and/or personal services Gourley, Kenneth, K&S Services; 274 Brooklyn Dr., Harrington; contractorresidential Pace, Brenda, Virtual Bren; 860 Fernwood Dr., Harrington; professional and/or personal services
LAUREL
Hurley, Tracy A., Old Junk Enterprise; 6670 Sharptown Rd., Laurel; retailervarious products Jai Shree Dwarkadhish LLC; 10599 Concord Rd., Laurel; commercial lessor Jewell, Elisha, EJ Music; 31025 Old Sailor Rd., Laurel; professional and/or personal services Moore, Brittany M.; 7056 Sharptown Rd., Laurel; personal services-beautician Stakiel, Melanie; 32658 BiState Blvd., Laurel; professional and/or personal services-unclassified
LEWES
Berlinger, Arlin J., Berlinger’s
Reliable Home Repair; 20353 John J. Williams Hwy., Lewes; contractorresidential Cooper, Stephen M., Kinetech Solutions; 21104 Emerald Isle Dr., Lewes; professional and/or personal services Covered Bridge Inn LLC; 30249 Fisher Rd., Lewes; professional and/or personal services Delaware Coastal Living; 34091 Pinewood Cir., Lewes; contractor-residential Jody Ware Consulting LLC; 231 2nd St., Lewes; professional and/or personal services Maxwell Skelley LLC; 6 Bay Oak Dr., Lewes; professional and/or personal services Progene DX LLC, Progene DX; 16192 Coastal Hwy., Lewes; professional and/or personal services Schaeffer Outcomes; 37519 Golden Eagle Blvd., Lewes; professional and/or personal services Transforming Wellness LLC; 3rd St., Lewes; professional and/or personal services MILFORD
Bradley Landscaping; 282 N. Rehoboth Blvd., #B, Milford; professional and/or personal services Brown, Raymond P. III, Plumb Construction; 410 N. Walnut St., Milford; contractor-residential Cedar Beach Woodsmiths LLC, Cedar Beach Woodsmiths; 301 S. Rehoboth Blvd., Milford; retailer-furniture & fixtures D4C; 4 Park Ave., Milford; professional and/or personal services Dickerson, Jeremy, Alora; 5995 Williamsville Rd., Milford; professional and/or personal services First State Empire, LLC, Emily Cleaners; 30 NW 10th St., Milford; personal services-self service laundry/dry clean Joshua P. James, Perfect Fit; 1 James Dr., Milford; professional and/or personal services Topflight Transportation; 3262 Bay Rd., Milford; professional and/or personal services Upper Care Investigations; 15 Fairway St., Milford; professional service-private detective agency
MILLSBORO
A True Cuts LLC; 34137 Minnow Ln., Millsboro; contractor-residential Appbusname; 26037 Ashcroft Dr., Millsboro; contractor-residential Diienno, Paula C., Home at the Beach Cleaning; 32803 Mashie Way, Millsboro; professional and/or personal services Fitchett, Toni N., Fitchett Family Racing; 25215 Winter Rd., Millsboro; personal services-auto race operator Fresh Cut Landscaping & Maintenance; 314 Country Pl., Millsboro; professional and/or personal services Hurst Lawns LLC; 24770 Rivers Edge Rd., Millsboro; professional and/or personal services Irwin, Elizabeth Ellen, Coastal Wired Jewelz; 25841 Mahogany St., Millsboro; retailer-various products Miller, Raymond J., Second Wind Repairs LLC; 32391 River Rd., Millsboro; contractor-residential Payton, Gregory L, Greg Payton Contracting Service; 26186 Skip Jack Ln., Millsboro; contractor-residential Snyder, David C., DCS Improvements; 26078 Outrigger Ct., Millsboro; contractor-residential Sylvester, Tammy; 25877 Prince St., Millsboro; professional and/or personal services The Farmers Bank of Willards; 28656 Dupont Blvd., Millsboro; reconciliation purpose code Zack May LLC; 32246 Brandy Cir., Millsboro; contractor-residential
SEAFORD
Cir., Seaford; retailer-dry goods & apparel Deep Creek Deli Inc., De-Lux Dairy Market; 10599 Concord Rd., Seaford; tobacco products retailer/retailer-petroleum products Evans, Nick; 209 Harrington St., Seaford; professional and/or personal services Martinez, Andres Trucking LLC; 725 W. Ivy Dr., Seaford; contractorresidential ML Morris Inc., Morris Development Group; 21136 Camp Rd., Seaford; residential contractor-developer Monro Muffler Brake Inc., Mr. Tire #1346; 22958 Sussex Hwy., Seaford; personal services-motor vehicle service Noel Family, LLC, Papayo Market; 206 N. Market St., Seaford; retailergrocery supermarket Phares, Raishel, Little Lycan; 506 State St., Seaford; personal servicesseamstress/tailor SMYRNA
Hexed Vapor, Unreal Vapors; 1231 S. Dupont Blvd., Ste. 102, Smyrna; retailer-various products/tobacco products retailer Matoni, Lisa M., Lisa Matoni Massage; 5609 Dupont Pkwy., Ste. 7, Smyrna; professional and/or personal services McClelland, Deneen L., Rideshare Driver; 443 India Dr., Smyrna; taxicab/ bus operator Moving with Champ; 173 S. Main St., Smyrna; drayperson/mover Pre K University; 155 S. East St., Smyrna; direct care worker
Amoni Fashions LLC; 11610 Kime
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Business Report | April 2016
To grow your business or career, become a thought leader By Patricia Rivera
Want to experience greater success? Become a thought leader or an industry authority. The concept isn’t just for top executives or consultants. It’s for anyone who wants to make lasting changes in their field, says Denise Brosseau, a thought leadership strategist in San Francisco and author of “Ready to Be a Thought Leader: How to Increase Your Influence, Impact, and Success” (Wiley). In the process, you become a respected change maker and a go-to person in your field. Even if you aren’t looking to gain the designation “thought leader,” pursuing thought leadership strategies will help you establish your credibility in your community or you build your business. Thought leadership has been confused in recent years with self-promoters. Brosseau says she and Guy Kawasaki, who wrote the forward to her book, talked in detail about the importance of clarifying that rising as a thought leader went beyond populating a blog and a social media page. “People use the term ‘thought leader’ as if all you have to do to become one is set up a Twitter account and start tweeting. This is hardly the case,” wrote Kawasaki in his foreword. True, thought leaders have expertise, passion and a track record of changing the world. Others anoint them as thought leaders; they don’t give themselves that moniker. They’re more focused on creating a path toward a better future. Kick off the lengthy process Though the process does not happen overnight, it’s worth the time and effort. Achieving the status of thought leader — or authoritative business — involves becoming a visionary and knowing how to inspire others to help make a change. Getting to that point could start with joining an advisory committee, starting a program or producing a training model. Thought leaders engage in bringing to life new, first-of-their-kind projects, programs, and creative initiatives. Those actions influence and inspire others to get on board. Brosseau adds that thought leaders also share a common set of characteristics: they expand ideas, they tell stories, they nurture long-lasting relationships, and they adopt behaviors that increase their momentum. Before even developing a vision, rising 28
Business Report | April 2016
experts should develop a relentless curiosity and engage with a broader ecosystem and listen. “When you share information, listen, and create honest connections, others will perceive your value and that of your ideas; they will get involved and remain engaged over time,” she says. Feed that big idea The first step focuses on identifying a thought leadership intersection point where your interests, expertise, credibility, and commitment align. That’s crucial before you can craft a clear vision of the change that you want to create. The key to success, she notes, is to think big. Push yourself to visualize that “what if” scenario that could occur with your idea in place. Ask yourself: If I could make one change related to this issue or problem, what would that be? Brosseau adds that aligning yourself with emerging trends can inspire and inform your big idea. You can also push others to think in new ways, often far beyond what appear to be today’s limitations. So if you’ve determined your niche — where you want to be the recognized as a go-to person — Brosseau offers the following tips for shaping your big idea with nuggets from industry trends. Look for Facebook, Google +, or LinkedIn groups or meetups related to your niche to see what people are talking about Peruse a trade magazine, conference brochure or website to learn what topics are being discussed Seek out continuing education or webinar topics from your industry association Identify a top expert in your arena and study what she or he is talking about
Ask someone who teaches in your niche what new topics are being taught in the classroom Create useful content Content marketing is crucial to building authority and thought leadership. But Rivera the key is to build remarkable content that speaks with a recognizable voice, explains marketing authority, Pamela Wilson. She writes for Copyblogger, a site that teaches marketers how to write more compelling content. In a blog about building authority, she writes that remarkable content doesn’t sound like any other content out there because the writer’s voice shines through. Developing a recognizable writing voice involves pinpointing the sweet spot where your audience’s needs overlap with your areas of expertise and the topics you’re passionate about. As you develop your authority or thought leadership, your brand stands out. As you grow into your new role, just keep in mind your greater idea, because thought leadership is not about being known. It’s about being known for making a difference. Patricia V. Rivera is a marketing consultant and owner of the Lewes-based Hook PR Group (www.hookpr.com).
RIBBON CUTTING - The Chamber of Commerce for Greater Milford (CCGM), Milford Mayor Bryan Shupe, CCGM President Terri Favata, CCGM Secretary Alicia Hollis, along with friends and family attended a ribbon cutting and grand opening celebration for Occupational Therapy of Delaware in Milford. Occupational Therapy of Delaware provides personal treatment plans focusing on the hand and upper extremities to help patients recover from injury or illness. For more information, call 302-491-4813, or visit www.otdelaware.com. Pictured from left: CCGM Secretary Alicia Hollis; CCGM President Terri Favata; owners Mark and Tracy Dissinger with a picture of their daughter who is away at college; Mayor Shupe; CCGM Ambassador Andy Stevens and Occupational Therapy of Delaware office administrator Christy Baker.
Vol. 19 No. 7 PRESIDENT
Bryant Richardson TREASURER
Carol Wright Richardson PUBLISHER
Mike McClure
COMPOSITION
Rachel Farris Elaine Schneider Tina Reaser Karen Cherrix Cassie Kraemer
BPA LEADERSHIP CONFERENCE - Sussex Technical High School’s Business Finance and Marketing (BFM) students attended the Business Professionals of America (BPA) State Leadership Conference at Dover Downs on Feb. 23. Twenty-seven of the 32 BFM students competing (85 percent) made the BPA National Team. One hundred percent of the BFM 11 and BFM 12 classes and 70 percent of the BFM 10 class made the team. These students will travel to Boston, Mass., in early May to compete in the BPA National Leadership Conference. There were nine first place winners; 18 second place winners; three third place winners; two fourth place winners; and one fifth place winner. 1st Place: Admin Support Team: Laurie Wroten, Madi Bendistis, Chris Wathen; Mgmt., Marketing, HR Concepts: Madi Bendistis; Small Bus. Mgmt. Team 1: Kira Short, Clarice Pamplona; Digital Media Production: Brian Singer; Admin Support Research: Ashlan Venables; Present. Mgmt. Individual: Connor Hudson. 2nd Place: Present. Mgmt. Team: Bridget Barrett, Brooklynn Letang, Lisa Singh, Dalton Carter; Website Design Team: Lela Bones, Ashlan Venables; Econ Research Team: Dwight Tingle, Brie Hagen; Global Marketing Team 1: Sabrina Campos, Jenna Procino, Brooke Clowser, Alex Downs; Small Bus. Mom. Team 2: Mitch Pandya, Shannon Bradley, Lee Downs, Patrick Tighe; Intermediate Word Processing: Kaitlynn Adkins; Entrepreneurship: Dalton Carter. 3rd Place: Advance Interview Skills: Jy Drummond; Intermediate Word Processing: Ashley Marinez-Couary; Present. Mgmt. Individual: Bryce Weller. 4th Place: Payroll Accounting: Madi Bendistis; Banking & Finance: Laurie Wroten. 5th Place: Financial Math Concepts: Chris Wathen. Multiple winners: Madi Bendistis - three events; Laurie Wroten – two events; Dalton Carter - two events; Chris Wathen - two events; Ashlan Venables - two events.
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Rick Cullen Greg English Mark Waterhouse C O N TA C T
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302.262.9137 credman@mspublications.com 29
Business Report | April 2016
BUSINESS DIRECTORY ACCOUNTING Horty & Horty, P.A. Doug Phillips, CPA, Cr.FA 302-730-4560 cpainfo@horty.com 3702 N. DuPont Hwy. Dover, DE 19901 ADVERTISING Morning Star Business Report Mike McClure 302-629-9788 302-629-9243 fax www.msbusinessreport.com sales@mspublications.com 951 Norman Eskridge Hwy. P.O. Box 1000 Seaford, DE 19973 ANTIQUES AND APPRAISALS Academy Street Antiques and Appraisals, LLC William Alexander Edward McWilliams 302-875-1111 P.O. Box 401 Laurel, DE 19956 ARCHITECTS & ENGINEERS Davis Bowen & Friedel, Inc. Michael Wheedleton AIA Randy Duplechain P.E. 302-424-1441 302-424-0430 Fax www. dbfinc.com milford@dbfinc.com 23 N. Walnut St. Milford, DE 19963 BUSINESS BROKERAGE Landmark Commercial LTD Licensed in DE, MD and VA Don Blouch 410-827-7200 410-827-7790 fax www.landmark-commercial.com broker@landmark-commercial. com P.O. Box 158 Wye Mills. MD 21679 CHAMBER OF COMMERCE Bethany-Fenwick Area Chamber of Commerce Kristie Maravalli 302-539-2100 302-539-9434 fax 30
Business Report | April 2016
www.bethany-fenwick.org info@bethany-fenwick.org 36913 Coastal Highway Fenwick Island, DE 19944 Central Delaware Chamber of Commerce Judy Diogo 302-734-7513 302-678-0189 fax www.cdcc.net jdiogo@cdcc.net 435 N. DuPont Hwy. Dover, DE 19901 Chamber of Commerce for Greater Milford Jo Schmeiser 302-422-3344 302-422-7503 fax www.milfordchamber.com 411 N. Rehoboth Blvd. Milford, DE 19963 Georgetown Chamber of Commerce Karen Duffield 302-856-1544 302-856-1577 fax www.georgetowncoc.com info@georgetowncoc.com 827 E. Market St., PO Box 1 Georgetown, DE 19947 Lewes Chamber of Commerce Betsy Reamer 302-645-8073 Toll Free 877-465-3937 302-645-8412 fax www.leweschamber.com inquiry@leweschamber.com 120 Kings Hwy., P.O. Box 1 Lewes, DE 19958 Greater Millsboro Chamber of Commerce Amy Simmons 302-934-6777 302-934-6065 fax www.millsborochamber.com info@millsborochamber.com P.O. Box 187 Millsboro, DE 19966 Milton Chamber of Commerce Lisa Sumstine
302-684-1101 www.historicmilton.com chamber@historicmilton.com P.O. Box 61 Milton, DE 19968 Rehoboth Beach - Dewey Beach Chamber of Commerce & Visitor Center Carol Everhart 302-227-6446 302-227-2233 ext. 13 302-227-8351 fax www.beach-fun.com carol@beach-fun.com 501 Rehoboth Ave. Rehoboth Beach, DE 19971 Greater Seaford Chamber of Commerce Lynn Brocato 302-629-9690 302-629-0281 fax www.seafordchamber.com admin@seafordchamber.com 304 A High St. Seaford, DE 19973 CREDIT CARD PROCESSING First Merchant Services Ronald W. Burke 302-875-5645 302-875-0935 fax www.firstmerchantservices.biz rburke@firstmerchant.us 14034 Johnson Road Laurel, DE 19956 EDUCATION Delaware Technical Community College Corporate and Community Programs Christopher M. Moody, Director (302) 259-6330 302-259-6759 fax www.dtcc.edu/continuingeducation cmoody@dtcc.edu Carter Partnership Center 21179 College Drive Georgetown, DE 19947 University of Delaware Professional & Continuing Studies Tara Kee
866-820-0238 302-831-3292 fax www.pcs.udel.edu continuing-ed@udel.edu FINANCIAL Bank of Delmarva Scott Rukowicz 302-875-5901 302-875-1766 fax www.bankofdelmarva.com srukowicz@bankofdelmarva. com 200 East Market St. Laurel, DE 19956 County Bank 7 Sussex County Locations 302-226-9800 302-226-3182 fax www.CountyBankDel.com 19927 Shuttle Rd. (Main Office) Rehoboth Beach, DE 19971 Del One Federal Credit Union 10 Statewide Locations Amy Resh 302-672-1492 302-739-1790 fax www.Del-One.org amy.resh@del-one.org 270 Beiser Blvd. Dover, DE 19904 Delaware State Police Federal Credit Union Stephen Cimo 302-856-3501 ext. 120 302-856-2539 fax www.dspfcu.com scimo@dspfcu.com P.O. Box 800 Georgetown, DE 19947 Dover Federal Credit Union 302-678-8000 www.doverfcu.com mbrsvc@doverfcu.com 1075 Silver Lake Blvd. Dover, DE 19904 Sussex County Federal Credit Union Sharee Coleman 302-629-0100 302-629-0966 fax
www.sussexcfcu.com scoleman@sussexcfcu.com 1941 Bridgeville Hwy. Seaford, DE 19973 FUNERAL SERVICES Watson Yates Funeral Home Gary Yates 302-629-8561 302-629-7961 fax Front & King St. Seaford, DE 19973 GRAPHIC/WEBSITE DESIGN Dean Design Marketing Group Stephanie Whitcomb 302-542-9550 www.deandesign.com thestudio@deandesign.com 13 Water St. Lincoln, DE 19960 HEALTH Bayhealth Kent General Milford Memorial Pam Marecki 302-744-7013 302-735-3227 fax www.bayhealth.org pam_marecki@bayhealth.org 640 S. State St. Dover, DE 19901 Beebe Medical Center Kelly Griffin 302-645-3220 302-644-9032 fax www.beebehealthcare.org kgriffin@beebehealthcare.org 424 Savannah Rd. Lewes, DE 19958 Nanticoke Health Services Sharon Harrington 302-629-6611 302-629-3211 fax www.nanticoke.org harringtons@nanticoke.org 801 Middleford Rd. Seaford, DE 19973 INSURANCE Farnell & Gast Insurance Joe Gast, CPCU 302-629-4514 302-536-6257 fax
www.averyhall.com jgast@averyhall.com cwilliams-wroten@averyhall. com 500 W. Stein Highway Seaford, DE 19973 Lyons Companies David F. Lyons, Sr. David F. Lyons, Jr. Lew Harrington 302-227-7100 www.lyonsinsurance.com info@lyonsinsurance.com 19643 Blue Bird Lane, Unit 8 Rehoboth Beach, DE 19971 INTERNET SERVICE & WEB PAGE DESIGN Delmarva Digital Tim Smith 302-875-7700 302-875-8288 fax www.ddmg.net ddmg.netsales@ddmg.net 220 Laureltowne Laurel, DE 19956 INVESTIGATIVE & COLLECTION SERVICES Mohr Investigative Services, Inc. James W. Mohrmann 866-370-1004 www.mohrinvestigations.com jmohrmann@mohrinvestigations.com 9 East Loockerman Street, Suite 201 Dover, DE 19901 INVESTMENTS Edward Jones Glenn Sweeten, advisor 302-856-3083 www.edwardjones.com 505 W. Market Street Suite 145 Georgetown, DE 19947 JEWELERS Holland Jewelers 302-947-1200 Celebrating 25 years in business! 20750 John J. Williams Hwy. Peddlers Village Lewes, DE 19958
www.hollandjewelersinc@ yahoo.com
LEGAL Sergovic, Carmean & Weidman, P.A Attorneys At Law John A. Sergovic, Jr. Shannon D. Carmean Leslie Case DiPietro 302-855-1260 302-855-1270 fax www.scdelaw.com 142 E. Market St. PO Box 751 Georgetown, DE 19947
PRINTING & PROMOTIONS Delmarva Printing & Design Darrell Fearin 410-749-6700 dmvprinting.com dfearin@dmvprinting.com Print Shack Inc. 302-629-4430 302-629-4056 fax www.printshackde.com 9203 Brickyard Road Seaford, DE 19973 REAL ESTATE Callaway, Farnell and Moore, Inc. 302-629-4514 800-966-4514 www.cfmrealestate.com admin@cfmnet.com 500 W. Stein Hwy. Seaford, DE 19973
Law Offices of Karen Y. Vicks, LLC 302-674-1100 888-598-8890 kvicks@vickslaw.com 500 W. Loockerman St. Suite 102 Dover, DE 19904 Smith Firm Michael R. Smith, Esq. Chad Lingefelder. Esq. Blake W. Carey. Esq. 302-875-5595 302-280-6592 fax 8866 Riverside Drive Seaford, DE 19973 302-703-6043 302-827-2046 fax 1917 Sea Air Avenue, Suite 2 Rehoboth Beach, DE 19971 MARKETING & PUBLIC RELATIONS Hook PR Group Patricia V. Rivera 302-858-5055 www.hookpr.com patricia@hookpr.com 135 2nd Street, 2nd Floor Lewes, DE 19968 PORTRAITS Portraits In The Sand Dave Koster 302-226-9226 302-226-8424 fax www.portraitsinthesand.com businessreport@portraitsinthesand.com 110 White Oak Rd. Rehoboth Beach, DE 19971 31
Coldwell Banker Resort Realty Skip Faust 302-227-5000 office 302-745-8764 cell 302-227-5008 fax www.skipfaust.com skip@skipfaust.com 20184 Coastal Hwy. Rehoboth Beach, DE 19971 Long & Foster Real Estate, Inc. Bill Cullin 302-841-7147 800-462-3224, Ext. 117 www.DelawareBeachRE.com Bill.Cullin@LNF.com 37156 Rehoboth Ave. Rehoboth Beach, DE 19971
YOUR BUSINESS Include your business in this directory. Rates are low; the potential to reach thousands of business-minded customers is great. Contact credman@ mspublications.com
Business Report | April 2016