MORNING STAR
FEBRUARY 2018
COMPLIMENTARY
Business Report 2018 FINANCE
• BUSINESS NEWS • HEALTH NEWS • TOURISM
Publisher’s notes: managing your finances By Mike McClure
A key part in planning for the future is managing your finances so that you have the funds when you need them to make a big purchase or go on a trip. Or as my high school accounting teacher used to say “no money, no funny.” In this month’s Business Report Finance edition, a number of local companies offer a wide
array of services and advice to help you manage your finances. Lincoln Financial stresses the importance of life insurance to ensure that your heirs are in good financial shape. Shore United Bank offers a mix of technology and personalized service for individuals and businesses. Horty and Horty warns of ways you can fall victim to tax fraud.
Edward Jones advises us to plan ahead if we plan to retire early. Whether it is through traditional methods or its new way to do cash business transactions, Bank of Delmarva finds soltions for its customers.
McClure
Trinity Foundation donates to Love Inc’s new project
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Business Report | February 2018
The week of Jan. 15, the Trinity Foundation continued to support the local community by presenting Susan Kent, Director of Love Inc., with a contribution that will benefit the non-profit’s newest project, the C.R.O.S.S. building (Community Resource & Occupational Service Station). The C.R.O.S.S. building, located in Seaford, will house Code Purple Sussex County’s supportive services. This past holiday season, the Trinity Foundation partnered with Love Inc. of Mid-Delmarva to help provide food to families through “Thanksgiving for All” and spread holiday cheer by donating gifts for “Christmas Families” in the Sussex County area. “We’ve been proud to partner with Love Inc. on various other opportunities throughout the year, so when they came to us with the need for additional funds to get Code Purple up and running we jumped at the opportunity to make it happen,” said Amanda Lloyd, Trinity Foundation Director. Code Purple Sussex County’s mission is to offer food and sanctuary to those with no shelter during the cold weather months. The C.R.O.S.S. location will provide services for vulnerable individuals who need a place to shower, clean their clothes, eat a warm meal, and prepare for their case plan. The Trinity Foundation’s $3,500 donation to Code Purple will assist with heating and electrical costs and kitchen equipment that would allow the program to offer soups and sandwiches to the homeless individuals that come in. “Code Purple Sussex County - Empowered by Love Inc. was surprised and delighted to receive funds to purchase new appliances for the C.R.O.S.S. building where the homeless come for community dinner and connection to the Code Purple Sanctuaries that are open each night,” said Susan Kent, Director of Love Inc. “We are so thankful for this generous donation so we can purchase new appliances! How honoring it is to the volunteer team who works tirelessly to help our neighbors. All of Code Purple Team is very thankful for the support Trinity Foundation has provided to this vital ministry! It simply cannot be done without community support!”
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Business Report | February 2018
RIBBON CUTTING - The Chamber of Commerce for Greater Milford, along with City of Milford Mayor Bryan Shupe, friends and family held a ribbon cutting to celebrate the expansion of Coldwell Banker Resort Realty located at 711 N. DuPont Hwy. in the Teal Creek Plaza, Milford. Pictured from left, front row: Kathy Newcomb, vice president; Bruce Plummer, COO; Terri Favata, broker/manager; City of Milford Mayor Bryan Shupe; Alicia Hollis, CCGM secretary; June Yoder, realtor; Dawn Loeffler, realtor. Back row: Tony Favata, realtor; Dana Byrd, realtor; Brooke Jerman, realtor; Deb Hartney, realtor; Lori Milton, realtor; Gail Sheilds, office administrator;Â Chelsey Webb, realtor; Ken Wolfe, realtor.Â
Chamber
CHAMBER LISTINGS Phone
Key Contact
Dues*
Members
Fax
Bethany-Fenwick Chamber of Commerce
539-2100
Lauren Weaver
$211
800
539-9434
Delmar Chamber of Commerce
846-3336
Diane Johnson
$75
67
846-3336
Georgetown Chamber of Commerce
856-1544
Kevin Thompson
$150
460
856-1577
Laurel Chamber of Commerce
875-9319
Suzanne Barger
$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
9 34-6777
Carlene Roche
$150
170
934-6065
Milton Chamber of Commerce
684-1101
$150
120
684-1101
Rehoboth-Dewey Chamber of Commerce
227-2233
Carol Everhart
$220
1,303
227-8351
Greater Seaford Chamber of Commerce
6 29-9690
Lynn Harman
$150
359
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.
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Business Report | February 2018
inside February 2018
NEW OFFICE- The Delaware Department of Insurance officially opened RIBBON CUTTING- The Rehoboth-Dewey Beach Chamber of its new Sussex County office with a ribbon cutting last month in Georgetown. The office is located on the Circle and will allow Sussex County residents to Commerce (RBDBCC) welcomed the Leukemia and Lymphoma Society with a ribbon cutting recently. More info on page 9. seek help without needing to drive to Dover. See pages 20-21.
Features 4 - Chamber Listings 6 - Business Digest 8 - Personnel 9 - Health 13 - Tourism 24- Marketing Column 26 - Business Directory
February Theme: Finance 14- Lincoln Financial 15- Shore United Bank 16- Horty and Horty 17- Edward Jones 18- Bank of Delmarva
March Theme: Pets and Lewes/Milton business profiles Contact Chris Redman at (302) 629-9788 or credman@ mspublications.com.
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Business Report | February 2018
State is ‘small business friendly’
Delaware received an A+ rating and ranked number two out of 50 states in the 2017 Small Business Friendliness Survey. “The study confirms what people living and working in Delaware see every day. The state is a great place for entrepreneurs and small business owners to succeed,” said Governor Carney. “Since taking office, my team has focused on this area of economic development with the creation of the Division of Small Business, Development and Tourism, which will take Delaware’s support for small businesses to the next level.” Thumbtack, the surveyor, polled more than 13,000 small businesses across 50 states and 80 cities this past summer. This is the sixth year the company has produced the nationwide survey.
Dover recognized by Expedia.com
Delaware’s Quaint Villages, a unique group of villages located in Kent County, including the state capital, is proud to announce that Dover was named “Best Place to Escape” in Delaware in 2018 by Expedia.com, an American travel company known for online travel search engines. Dover is recognized for its rich history and myriad of “opportunities to leave your worries behind” and to find “quiet, peaceful” moments. The villages surrounding Dover also have similar attractions and a multitude of options to discover for an idyllic getaway. Spend a day at the Delaware Bay beaches, hike at Killens Pond State Park, tour through Amish country, try your luck at one of our casinos or sample wine, beer and spirits at local
BUSINESS DIGEST favorites such as Painted Stave Distilling and Mispillion River Brewing. To learn more about Delaware’s Quaint Villages and to discover more adventures, visit www.visitdelawarevillages.com, and follow us on Twitter, Instagram and Facebook.
Northeastern Supply opens new branch in Seaford
Northeastern Supply, a Mid-Atlantic plumbing and HVAC wholesaler based in Baltimore, Md., has opened a new branch in Seaford at 20675 Sussex Hwy., in the old Barton’s Grand Rental Station building. The full service store focuses on plumbing, HVAC, commercial installation, and water system segments featuring many brands. Local inventory is backed by a 200,000 square foot distribution center that is home to tens of thousands of products that are available at a moment’s notice. With the addition of the Seaford branch, there are 32 locations in Maryland, Delaware, Pennsylvania, Virginia and West Virginia. The opening of the Seaford branch marks the fifth Delaware location for Northeastern Supply. The new Seaford branch is managed by Chris Palmer, who was previously branch manager of the Georgetown location. Palmer was born and raised in Seaford. The new branch is open Monday through Friday from 7 a.m. to 4:30 p.m. For more information, visit www.northeastern.com.
Stockbridge elected chair
Gary R. Stockbridge, region president of Delmarva Power, has been named the new chairman of the Board of Directors of the Delaware State Chamber of Commerce. He succeeds Salvatore J. “Chip” Rossi, Bank of America. Stockbridge joined Delmarva Power
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Business Report | February 2018
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in 1997 and was named president of Delmarva Power in 2005. He has more than 35 years of utility experience across all aspects of the business. “Gary is a longtime chamber member and an exemplary leader. The chamber is looking forward to working with Gary in this role, and I’m confident in his ability to guide our organization’s efforts in making Delaware a better place to live and do business,” said DSCC President, Rich Heffron.
DSCC welcomes new board
Immediately preceding the 181st Annual Dinner, the Board of Directors welcomed new members to the Delaware State Chamber of Commerce Board of Directors and Board of Governors. The State Chamber is pleased to announce that Bonnie Metz, Verizon; Mac Nagaswami, Carvertise; and Janice E. Nevin, M.D., MPH, were voted onto the board of directors. The chamber thanks the service of outgoing board of directors members Mark Stellini, Assurance Media; Nick Marsini, PNC Bank; and Richelle Vible, Catholic Charities of Delaware, who will all assume membership on the board of governors. The following business leaders were elected to the Board of Governors of the Delaware State Chamber of Commerce: Tony Allen, Ph.D., Delaware State University; Chris Baker, George & Lynch, Inc.; Bruce H. Colbourn, PNC Bank; Pam Cornforth, Ronald McDonald House of Delaware Inc.; Jerry Esposito, Tidewater Utilities, Inc.; Dr. LaVerne T. Harmon, Wilmington University; Tom Horne, JPMorgan Chase; Rodger Levenson, WSFS Bank; Chris O’Neill, PSCI; Bettina Tweardy Riveros, Christiana Care Health System; and Stephanie Wiswall, AstraZeneca Pharmaceuticals LP. DSCC’s Board of Directors will see a change in leadership with outgoing chairman, Chip Rossi of Bank of America, passing the gavel to Gary Stockbridge of Delmarva Power. Katie Wilkinson, Fulton Bank, will step into the role of vice-chair. To see a full list of Delaware State Chamber of Commerce board members, visit www.dscc.com.
$tand By Me Negocios helps Latinos
$tand By Me has launched a new program to support the startup and growth of Hispanic small businesses in Delaware. As part of the launch, $tand By Me Negocios (negocios means “businesses” in Spanish) will hold networking meetings. The first networking meeting was held in Kent County at the end of January in Dover. Additional meetings will be held in Sussex County on March 29 and New Castle County on May 24. All meetings run from 6:30 to 8 p.m. $tand By Me — a financial empowerment program and joint project of the state of Delaware and the United Way of Delaware — provides Delawareans with financial coaching, information and ongoing support to help them take charge of their finances to increase their personal financial security. $tand By Me Negocios was established as a partnership between $tand By Me and the Delaware Hispanic Commission to build capacity for Latino businesses. Nationally, Hispanics are opening businesses at a faster rate than other populations are despite language difficulties and limited credit history. Hispanic-owned businesses have grown 31.6 percent since 2012, more than double the growth rate of all businesses in the U.S. (13.8 percent), according to the Hispanics in Business 2017 study published by Geoscape and the United States Hispanic Chamber of Commerce. The Hispanic share of new entrepreneurs represented 24 percent of all businesses, compared with 10 percent a decade ago — a 140 percent increase. To learn more about $tand By Me Negocios or upcoming networking meetings, visit standbymede.org/negocios.
BUSINESS DIGEST
RIBBON CUTTING - The Lewes Chamber of Commerce celebrated the opening of Healthy Outcomes’ second location with a ribbon cutting recently at their offices at 12001 Old Vine Blvd., Ste. 102, Lewes. Healthy Outcomes, a non-surgical medical weight loss center, opened its first location over eight years ago in Georgetown. The Healthy Outcomes weight loss team provides patients with a comprehensive weight management intervention under close medical monitoring to ensure a safe and scientific approach to weight management. Pictured from left: Betsy Reamer, Lewes Chamber of Commerce executive director; Fabricio Alarcon, MD; and Jennifer Morelli, Healthy Outcomes program director. Photo by Brook Hedge, Coastal Camera Club
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Business Report | February 2018
PERSONNEL FILE
Kemmerer joins Bayhealth
Bayhealth Radiation Oncology Associates recently welcomed a new radiation oncologist when Eric Kemmerer, MD, MS, joined the practice. Dr. Kemmerer, who is a member of the American Kemmerer College of Radiation Oncology, came to Bayhealth after serving as chief resident in the Department of Radiation Oncology at Drexel University College of Medicine in Philadelphia. He completed his residency in radiation oncology at Drexel/Hahnemann University Hospital and earned his medical degree from Temple University School of Medicine. Dr. Kemmerer served an internship at Lehigh Valley Health Network in Allentown, Pa. He earned his master of science in biochemistry from the University of Scranton, where he also graduated magna cum laude with bachelor degrees in biochemistry and biophysics.
Dr. Akpek joins Nanticoke
Nanticoke Health Services is proud to welcome Gorgun Akpek, MD, MHS to its active medical staff. Dr. Akpek is board certified in internal medicine, hematology and medical Akpek oncology and is accepting new patients at the Nanticoke Cancer Care Center in Seaford. Dr. Akpek received his Doctor of Medicine from and completed both his residency in internal medicine and clinical fellowship in medical oncology at Hacettepe University School of Medicine in Ankara, Turkey. He also completed his clinical fellowship in hematology and oncology at Boston University Medical Center in Boston, Mass., and his clinical and research fellowships in bone marrow transplantation at Johns Hopkins University Department of Oncology. He is a member of the American Society of Hematology and the American Society of Blood and Marrow Transplantation.
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Business Report | February 2018
DPI selects new leaders for 2018 Experienced leaders in agricultural research and education have been elected to serve in leadership roles for Delmarva Poultry Industry, Inc. in 2018. Todd Baker, a manager for Cobb-Vantress Inc., is serving as DPI’s president for the year. Jennifer Timmons, an assistant professor at the University of Maryland Eastern Shore and a chicken grower, is DPI’s vice president. DPI’s past president, Dean Walston, director of operations for the Milford processing plant of Perdue Foods, continues to serve as a DPI director and remains on its executive committee.
Baker
Thomas
Previously the director of stem cell transplantation and cell therapy at Rush University Medical Center in Chicago, Ill. and Banner MD Anderson Cancer Center in Gilbert, Ariz., Dr. Akpek is nationally and internationally recognized for his research and clinical work specifically on hematologic malignancies and stem cell transplantation.
Yates joins Nanticoke Immediate Care
The Nanticoke Physician Network welcomes Kimberly Yates, MSN, APRN, to its Nanticoke Immediate Care staff. Yates received her bachelor of science in nursing from Wilmington University and her master Yates of science in nursing from the University of Delaware. She is a certified family nurse practitioner and has over 26 years of experience in various clinical settings. Her professional affiliations include the American Association of Nurse Practitioners and the Delaware Coalition of Nurse Practitioners.
Nemours welcomes pediatrician
Nemours is pleased to announce the addition of pediatrician Amudha Boopathi, MD, FAAP as a physician at Nemours duPont Pediatrics,
Baker, a native of the Eastern Shore, grew up on a family farm that raised chickens. With a background in business management, he joined Perdue Farms as a flock supervisor in 1997 and went on to assume operations and production management positions. Baker now manages broiler breeder research on Delmarva for Cobb-Vantress in its Pocomoke City, Md. facility. Baker joined DPI’s board of directors in 2016, and he served as vice president in 2017. Timmons is an assistant professor at the University of Maryland Eastern Shore, where she teaches poultry production and animal nutrition to future leaders of the chicken industry. She also conducts research connected to poultry litter management and animal nutrition, focusing on controlling ammonia in chicken litter, which is one of the industry’s key environmental stewardship measures. With her husband, Tim, she owns and operates a broiler chicken farm at her home near Delmar, Del.
Shipley St. in Seaford. Dr. Boopathi is a graduate of Volgograd State Medical University, Volgograd, Russia. Her post-graduate training includes a pediatric residency at UMDNJ/Cooper University Hospital, Camden, N.J. and a one year fellowship in pediatric hematology and oncology at the Cleveland Clinic Foundation, Cleveland, Ohio. Fluent in English and some Spanish, Dr. Boopathi joins Dr. Harry A. Lehman III and the staff at the Nemours Shipley clinic. With this addition, Nemours duPont Pediatrics, Shipley St. is now accepting new patients from birth to 18 years.
Markowitz nominated for committee
Delaware Hospice’s Keith Markowitz, director of service development, was nominated to help lead Delaware’s Quality of Life Coalition as vice president. Markowitz and the rest of the committee, comprised of Dr. John Goodill (president), Terri Latorre-Tegtmeier (treasurer), and Chris Morandi (secretary) will work to help Delawareans navigate the healthcare system especially at the end of their journeys. The vision of the Delaware Quality of Life Coalition is to stimulate public and professional awareness, share knowledge, and create change so that every Delawarean is aware of issues and choices related to the end of life.
HEALTH
RIBBON CUTTING - The Rehoboth-Dewey Beach Chamber of Commerce (RBDBCC) welcomed the Leukemia & Lymphoma Society with a ribbon cutting recently. The Leukemia & Lymphoma Society’s Man/Woman of the Year campaign will launch in Sussex County this year. The fundraising campaign encourages candidates to raise as much money as possible over the course of 10 weeks from March 8 to May 11. The man and woman who raise the most money on behalf of the organization will be announced at a gala on May 11, at Rehoboth Beach Country Club and be recognized as the 2018 Man/Woman of the Year. Candidate nominations are now being accepted. For more information, contact Stacey Battles at Stacey.Battles@lls.org or 302-661-7300. Pictured from left: Meghan McCalley, RBDBCC; Randa Parker; Heather McGraw, LLS; Michelle Frazier; Jack Frazier, Sussex County Boy of the Year; Stacey Battles, LLS; Brook Rowe, LLS; Willard Parker. BOARD CHAIRS HONORED - Beebe Healthcare held a reception recently to unveil the portraits of Beebe Healthcare’s past board chairs, in the lobby of the Margaret H. Rollins School of Nursing. The Board of Directors has had 12 past board chairs over its 101-year history. Having all the past board chairs displayed and honored was a goal of Beebe Healthcare’s recent Board Chair, The Honorable William Swain Lee. Included in the portrait unveil of the 12 past board chairs are: James Beebe Sr., M.D. (served 1927-1962); Otis H. Smith (1962-1973); James Beebe Jr., M.D., (1974-1976); The Honorable Eugene D. Bookhammer (1976-1981); Halsey G. Knapp (1981-1983); Robert W. Tunnell Sr. (1983-1988); Harry E. Derrickson (1988-1990); Walter J. Lehman Jr. (19901993); Bhashar S. Palekar, M.D. (1993-1998); Joseph R. Hudson (1998-2005); Janet B. McCarty (2005-2010); and The Honorable William Swain Lee (2010-2017). From left: David Herbert, Beebe Healthcare’s current board chairman; Bhashar S. Palekar, M.D.; The Honorable William Swain Lee; and Janet B. McCarty.
Send us your news Readers are invited to send any news that they would like to see featured in the Business Report. Items can be e-mailed to mmcclure@mspublications.com.
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HEALTH
RIBBON CUTTINGS - The Greater Millsboro Chamber of Commerce welcomed Coastal Care & Dermatology with a ribbon cutting ceremony recently. Dr. Nancy O’Day has been a nurse practitioner in Southern Delaware for 30 years, recently going out on her own to focus on dermatology and family practice. Her new office is located at 28524 Dupont Blvd., Millsboro. Pictured from left: Polly O’Day; Samantha Welch; Ashley Youse; Nancy O’Day, FNP-BC; and Carlene Roche, Greater Millsboro Chamber of Commerce.
Evans receives 1A Peer Award Risk Control
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Bayhealth is proud to announce Certified Nursing Assistant Charlena Evans, CNA, as the most recent recipient of the 1A Peer Award at Bayhealth HospiEvans tal, Kent Campus. Evans received the honor based on nominations by her coworkers on her unit. Evans joined Bayhealth a little more than five years ago after completing basic training for the military, and now she’s in nursing school to continue her career in healthcare. 1A team members believe Evans is an asset to their unit, stating her patients rarely have needs because she has already addressed them. “We’re so lucky to have her as part of our team,” one Continued on page 12
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Business Report | February 2018
HEALTH
BAYHEALTH HONORED - Bayhealth Hospital, Kent Campus has received two Mission: LifelineŽ Bronze Receiving Quality Achievement awards for implementing specific quality improvement measures outlined by the American Heart Association for the treatment of patients who suffer severe heart attacks. One award is for the hospital’s work with STEMI (ST-elevation myocardial infarction) patients and the second is for its work with NSTEMI (nonST-elevation myocardial infarction). Bayhealth Hospital, Kent Campus earned the awards by meeting specific criteria and standards of performance for the quick and appropriate treatment of STEMI and NSTEMI patients by providing emergency procedures to reestablish blood flow to blocked arteries when needed. Eligible hospitals must adhere to these measures at a set level for at least one consecutive 90-day interval.
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Business Report | February 2018
Peer award continued
NURSING SCHOLARSHIP AWARDED - The Village Improvement Association of Rehoboth Beach (VIA) has presented this year’s $5,000 scholarship to Alison Watson, MSN, RN, CEN, CNE, at Beebe Healthcare, to help fund her advanced nursing education. The VIA created the annual scholarship in 2016 to support registered nurses at Beebe who are working to advance their clinical knowledge and expertise. Alison Watson was a graduate from the Beebe School of Nursing, now Margaret H. Rollins School of Nursing. She obtained her BSN/ MSN from Wilmington University with a focus in leadership and education, and is completing her doctorate in higher education leadership and innovation (Ed.D) from Wilmington University (expected in January). She has completed both her Certifications for Emergency Nurses (CEN) and Certification for Nurse Educators (CNE). Watson has served as a full-time faculty role at the Margaret H. Rollins School of Nursing since 2014. She also serves as the admissions chair.
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Business Report | February 2018
coworker wrote on the nomination form. “I love what I do as a CNA here. Helping patients comes natural to me,” Evans said. “I’ve enjoyed my time working at Bayhealth and I look forward to working as a registered nurse here.” 1A is a 28-bed medical surgical unit at Bayhealth Hospital, Kent Campus; the unit cares for adult patients. The 1A Peer Award is given twice a year and recognizes service excellence and exceptional teamwork. Staff members on 1A nominate peers for teamwork and patient care, and the honoree is chosen based on the reasons why the peer was nominated. Visit Bayhealth.org/Careers for information on available positions with Bayhealth.
TOURISM
Southern Delaware Tourism photo/video contest
To celebrate Southern Delaware and to keep our destination top of mind throughout the winter - particularly with visitors planning their warm weather vacations - Southern Delaware Tourism is again sponsoring a photo contest, this year with an added video category. Both locals and visitors are invited and encouraged to enter and share their photos and videos of Southern Delaware. Entries will be accepted beginning at midnight on Jan. 1, through 5 p.m. on March 16, and winners will be announced Friday, March 30. There will be one Grand Prize winning photo and one Video winner chosen as well as one winning photo in each of four categories. The categories are: • Festivals & Events - We always say that fun is happening here any time of year, so show us the fun you’ve experienced at a festival or event in Sussex County whenever they took place! Include the name of the festival or event with each entry. • Arts & Entertainment - Love the visual arts scene here? Live theater? Galleries, artists’ studio tours, concerts, arts festivals, performances by the best regional and national talents? Share your artful and entertaining experiences with us. Make sure to share the venue too. • Playtime - This category is all about bringing the happy. Share your photos of people and/or pets playing anywhere in Sussex County. Each photo in this category must include at least one person or one pet. Include location information for each photo you enter. • Southern Delaware Downtowns - Southern Delaware is chock full of charming, historic, picturesque downtowns in thriving, friendly communities with bustling main streets, fascinating architecture, and vibrant businesses. Show us all there is to love about your favorite Southern Delaware downtown. Include location information with each entry. Photo winners will beeveryone selected by aff and Board wish acclaimed photographer and publisher e andKevin prosperous 2018! Fleming. The Grand Prize Photo winner will receive a weekend getaway at the Boardwalk Plaza Hotel in Rehoboth Beach and a gift certificate
to attend a Kevin Fleming Photography Workshop. All eligible photo entries will be uploaded by Southern Delaware Tourism to the Southern Delaware Tourism Instagram feed (@VisitSouthDel). And, brand new this year, submit your videos. Each must be no more than two minutes in length and entries must fit into one or more of the photo contest categories listed above. All videos must have been filmed entirely in Sussex County. Video winner will be selected by Bob Backman, president & general manager and Bill Schull, news director for WRDE Coast TV. Video winner receives a three night stay at the Hyatt Place Dewey Beach and a $100 gift certificate to B&H Photo. See all eligibility requirements and contest rules at www.visitsoutherndelaware. com/southern-delaware-tourism-2018-photo-video-contest. Category Prizes are: • Festivals & Events Photo winner receives four 2018 Winter WonderFEST passes and a $100 gift certificate to Crooked
Hammock Brewery • Arts and Entertainment Photo winner receives gift certificates/two tickets for use at each of the following venues during the 2018 season: Clear Space Theatre, Milton Theatre, Dickens Parlour Theatre. • Playtime Photo winner receives $100 gift certificate from Quest Adventures, gift certificate to Lefty’s Alley & Eats, and an Annual State Park Pass. • Southern Delaware Downtowns Photo winner receives Sussex County Downtowns gift basket. To enter, email your photo/s or YouTube video link/s to SoDelPhotos@ gmail.com. Be sure to read all entry and eligibility rules and requirements prior to submission. Winners will be notified via email on Friday, March 30. For detailed information and full contest rules, visit www.visitsoutherndelaware.com/southern-delaware-tourism-2018-photo-video-contest.
FEBRUARY 2018 CALENDAR Feb. 7 - 12 Noon - 1:00 PM: Economic Development Luncheon: cMark Ryan from ALOFT AeroArchitects will be the guest speaker. cLuncheon will be held at JD Shuckers in Georgetown. Feb. 14 - Valentine’s Day
We LOVE Our Members! Feb. 19 - President’s Day - Our offices will be open. Feb. 21 - Chamber Mixer, 4:30 to 6:30, Hosted by 16 Mile Brewery Feb. 28- 12 Noon - 1:30 PM: Chamber Luncheon, held at Georgetown CHEER Center. Ben Gray from the Bellmoor Inn & Spa will be the guest speaker.
Call Us If You Want to Grow Your Business
302-856-1544 302-856-1577 Fax 827 East Market St.,
P.O. Box 1, Georgetown, DE 19947
info@georgetowncoc.com www.georgetowncoc.com 13
Business Report | February 2018
Is your life insurance policy on track?
By Matt Parker
Lincoln Financial Advisors
Few things are as important as ensuring that your heirs will be in good financial shape should you die unexpectedly. Life insurance, and the death benefit it pays out, is critical for achieving that financial shape — albeit one that is often avoided because it elicits undesirable emotions. After all, most of us don’t want to think about anything related to the death of a loved one. Because of the unwelcome emotional component, some people opt to not review their life insurance policy but it should not be something you merely buy and then forget about. Unfortunately, avoiding the topic can have consequences. In fact, it’s advisable to review your life insurance policy every year during your annual financial checkup. Coverage considerations How much coverage you need depends on several factors, including your age, number of dependents, and the financial resources you have at your disposal. Some financial publications say you need eight times your salary for the death benefit. But general numbers like that can be way off base in individual situations. Instead, you should sit down with your financial advisor and determine individual calculations. It comes down to a simple function: Resources subtracted from need gives you the amount of coverage you should get. This may sound straightforward, but the calculation should also factor in Social Security benefits, pensions and any other income your heirs may generate. In addition, a number of variables and unknowns can make absolute precision almost impossible. These projections are out 20 to 30 years, and using one inflationary assumption versus another, or one assumed return on investment versus another, can make a big difference. Just a half-percentage adjustment can cause the needed death benefit to change wildly, which is why it is important to work with an experienced financial advisor. Regular reviews Frequent insurance policy checkups are vital. At the very least, you should revisit your policies and death benefits whenever there is a significant life event, such as the birth of a child, the purchase of a new home or business, or an inheritance. For instance, the birth of a child may necessitate a boost in your death benefits because most parents want to ensure that their child will have the resources necessary to attend college and otherwise be taken care of until they reach adulthood. On the flip side, the benefits metric can also change should you come into an unexpected inheritance, which would 14
Business Report | February 2018
likely reduce your coverage needs. In general, it is best to be conservative when determining how much coverage your family needs. For example, if calculations suggest that your family needs $850,000 in death benefits, you may want to consider getting $900,000. After all, an heir isn’t going to complain if they’ve got too much life insurance, but they’ll sure complain if they run out. About the author Matt Parker is a registered representative and
investment advisor representative of Lincoln Financial Advisors Corp., a broker-dealer (member SIPC) and registered investment advisor, 214 E. Front St. Laurel, offering insurance through Lincoln affiliates and other fine companies. This information should not be construed as legal or tax advice. You may want to consult a tax advisor regarding this information as it relates to your personal circumstances. The content of this material was provided to you by Lincoln Financial Advisors for its representatives and their clients.
Improve the outcome of your Income Knowing how hard you work to earn your money, you should get the most out of it. We can help you toward your financial goals. From estate planning to asset growth and preservation, we have the skills to help you strategically plan and position your resources for a comfortable future. Helping you toward your financial goals is our job. Call for an appointment and let’s get started.
Matthew T. Parker Lincoln Financial Advisors Corp. 214 E. Front St. Laurel, DE 19956 Matthew.Parker@LFG.com 302 875-8300 © 2017 Lincoln Financial Advisors Corp. Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker/dealer (member SIPC) and registered investment advisor. Insurance offered through Lincoln affiliates and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. CRN-1675285-010517
Shore United makes banking easier
By Carol Kinsley
Shore United Bank (SUB) offers the latest technological conveniences designed to make banking easier for individuals and businesses, served up with old-fashioned, personalized service. One service area where SUB excels is merchant services. “We offer a wide variety of products and services to meet merchants’ needs, from stand-alone credit card terminals to Point of Sale (POS) integration, mobile processing, virtual credit card processing, and e-commerce,” said Stephanie Tyler, manager of cash management and merchant services. Stand-alone credit card terminals are ideal for store-front merchants where the card is typically present at the time of sale. POS integration applies primarily for restaurants and hotels, or anytime the merchant has 3rd party hardware and software providing operational support. Merchants who sell via trade shows, exhibits, and/or events, where systems and connectivity is limited or non-existent, use mobile processing, and do so via
wireless terminal, laptop, tablet, or smart phone. Virtual credit card processing applications occur via laptop computer, where the card is not present at the time of sale. Merchants using e-commerce solutions allow their clients to log onto a website to effect payment. SUB’s merchant solution offers many advantages not available from other processors. These include on site conversion and training (free of charge), next day funds availability, integration of all credit card types into one account (Visa, MasterCard, American Express, and Discover), POS integration support, accounting system integration support (including one of only a few DIRECT interfaces to QuickBooks), minimal terminal expense with flexible terms, unrestricted contracts with no termination fee, ultra-competitive cost plus pricing, and straight forward reconciliation. SUB’s primary strength is exceptional on-going client technical support. “We complete most merchant installations on site with SUB staff, providing everything required by that particular merchant,” Tyler said. SUB’s mantra is: We earn your business every day, and no
client is too large or too small.” In the Cash Management service area, SUB’s most popular offerings include ACH (automated clearing house) origination (including payroll direct deposit), vendor electronic payment initiation, and direct debit of cash receivables. “Again, as with merchant services, we do not leave our clients high and dry, but guide them through each step of the process,” Tyler said. Another very popular service is remote deposit capture (RDC), which allows bank clients to scan checks and receive same day availability of funds, all without leaving their office environment. RDC services are installed and maintained according to SUB’s typical high standards. If you would like to explore these and other technical innovations that can improve your banking experience, call Stephanie Tyler at 443-262-9310, or e-mail Stephanie.Tyler@shoreunitedbank. com. SUB customers have access to 18 locations in Maryland and Delaware. Find them at www.shoreunitedbank. com.
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Business Report | February 2018
How you can avoid falling victim to tax fraud By Brian Stratton, CPA Horty & Horty, P.A.
As residents of the United States, we have to file a tax return only once a year. Meanwhile, scammers, who misrepresent themselves as agents of the Internal Revenue Service, are at work 365 days a year in an attempt to separate us from our hard-earned income. The latest scams making the rounds are aggressive telephone pitches that either demand money or tempt you to divulge personal information by suggesting that you have a tax refund due. Other scams employ unsolicited emails or fake websites in order to trick taxpayers into revealing Social Security numbers, bank account numbers and similar information that fraudsters can then use to harvest illegal gains. Some of the more sophisticated scams can take place without the taxpayer’s knowledge and can even derail efforts to file a legitimate return. Con artists who use the phone often sound quite convincing. They may know a lot about
you and they often alter the caller ID information that is displayed on your phone to make it appear that the IRS is calling. They will use fake names and phony IRS identification numbers and they will often leave an urgent message that you must call back if you do not answer the call. Highly publicized data breaches at retailers and other businesses have given scammers access to personal and financial information. Tax fraud through phishing, phone scams, identity theft, return preparer fraud and fake charities are the top five scams the IRS placed at the top of its annual “Dirty Dozen” listing of frauds. In many cases, an identity thief can use a legitimate taxpayer’s identity to fraudulently file a tax return and claim a refund. Such situations also pose problems for the legitimate taxpayers when they attempt to file their own returns. If the IRS has already issued a refund based on a fraudulent return, it will likely reject the taxpayer’s legitimate return, setting in motion an exchange of paperwork in which the tax-
Strategic Tax Planning Audit Services Profit Analysis Fraud Protection
payer will have to disavow knowledge of the bogus return and request that the IRS investigate the matter before the legitimate return can be processed. This costs the taxpayer time and delays receipt of any refund that may be due, but there’s no way the taxpayer Stratton could have been aware of the problem at the time the return was filed. One effective way to minimize the odds of being victimized by this type of scam is to file your own return as soon as possible. Scammers looking for easy refunds will file early. If you file your return early, any subsequent attempt by a scammer to use your personal information to file a bogus return will in all probability be rejected. Scammers have employed phishing — using a fake website or an unsolicited email that appear to be associated with the IRS in an attempt to elicit personal information. The IRS
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www.horty.com • 302.652.4194 Horty & Horty, P.A. • Certified Public Accountants 503 Carr Road, Suite 120 • Wilmington, DE • 19809 • 302.652.4194 3702 North DuPont Highway • Dover, DE • 19901 • 302.730.4560 16
Business Report | February 2018
Can you afford to retire early?
Some people dream of retiring early. Are you one of them? If so, you’ll need to plan ahead – because a successful early retirement can’t be achieved through last-minute moves. So, if you’re determined to retire early, consider taking the following steps: • Pick a date. Early retirement means different things to different people. But it’s important to pick an exact age, whether it is 60, 62, 64, or whatever, so you can build an appropriate retirement income strategy. • Think about your retirement lifestyle. You may know that you want to retire early – but have you thought about what you want to do with your newfound time? Will you simply stay close to home and pursue your hobbies? Do you dream of spending two months each winter on a tropical island? Or are you thinking of opening your own small business or doing some consulting? Different retirement lifestyles can have vastly different price tags. Once you’ve envisioned your future, you can develop a saving and investment plan to
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urges anyone who receives an unsolicited email that appears to be from the IRS or an organization linked to it to report the suspected scam immediately to a special email address, phishing@irs.gov. At the end of the year, we have become accustomed to receiving pitches from dozens of charities, with most of them emphasizing how your much-sought-after donation will be deductible when you file your tax return. It pays to be cautious in considering contributions to organizations whose names appear to be associated with reputable legitimate charities. Charities that purport to assist victims of disasters or children who are said to need treatment for a rare medical condition should be reviewed carefully before any donations are made. The SelectCheck feature on the IRS website enables taxpayers to determine the legitimacy of a charitable organization. Another popular scam, especially during filing season, is the promise by bogus tax preparers of large federal tax refunds, or refunds that people never thought they were due in the first place. These scam artists will use flyers, advertisements and phony storefronts to cast their net for potential victims. Victims of these scams often are not given
Continued on page 18
help you get there. • Boost contributions to your retirement plans. If you want to retire early, you may well need to accelerate your contributions to your retirement accounts, such as your IRA and your 401(k) or other employer-sponsored plan. You may need to cut back in other areas of your life to maximize the amounts you put into your retirement plans, but this sacrifice may be worth it to you. • Invest for growth. Your investment strategy essentially should be based on three key factors: your goals, risk tolerance and time horizon. When you change anyone of these variables, it will affect the others. So, if you shorten your time horizon by retiring early, you may well need to reconsider your risk tolerance. Specifically, you may need to accept a somewhat higher level of investment risk so you can invest for greater growth potential. • Keep a lid on your debt load. It’s easier said than done, but try to manage your debt load as tightly as possible. The lower your monthly debt payments, the more you can contribute to your retirement plans.
Life is unpredictable. Even if you take all the steps described above, you may still fall short of your goal of retiring early. While this may be somewhat disappointing, you might find that adding just a few more years of work can be beneficial to building resources for your chosen retirement lifestyle. For one thing, you can continue contributing to your IRA and your 401(k) or similar employer-sponsored plan. Plus, if you’re still working, you may be able to afford delaying your Social Security payments until you’re closer to your “normal” retirement age, which, as defined by the Social Security Administration, likely will be 66 or 67. The longer you put off taking these benefits, the bigger your monthly checks, although they will max out once you reach 70. And even if you are not able to retire early, some of the moves you took to reach that goal – such as contributing as much as you could afford to your IRA and 401(k), controlling your debts, and so on – may pay off for you during your retirement –whenever it begins. This article was written by Edward Jones for use by Melinda Tingle and John Rittenhouse, your local Edward Jones Financial advisors.
www.edwardjones.co
Melinda R Tingle, R AAMS® Melinda Tingle, Financial Advisor ® AAMS 204 East Front 204 E. Street Front St. Laurel, DE 19956 Laurel, 302-875-0355 DE 19956 302-875-0355
Member SIPC John F Rittenhouse Sr, ® AAMS 559 N. Hall St. Seaford, DE 19973 302-629-6094
.
www.edwardjones.com Member SIPC
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Business Report | February 2018
The Bank of Delmarva helps its customers find solutions Finding solutions for customers has helped The Bank of Delmarva grow since 1896. While the general principle has remained the same, the solutions have changed over the years. This is evident at the bank’s newest branch in West Ocean City. Located in the newly-built Park Place Plaza, at 12720 Ocean Gateway, Unit 4, sits The Bank of Delmarva’s most advanced branch to date. In addition to traditional teller services, the West Ocean City branch boasts a customdeveloped room for cash business transactions, called CoinPlus. CoinPlus solves a problem that many cashdependent businesses have: keeping enough cash – in the right denominations - on hand all the time. CoinPlus users can place orders for the cash they need whenever they need it.
Couple the new CoinPlus Room with existing business banking services like remote deposit capture and cash management, and it’s easy to see why The Bank of Delmarva is so appealing to the commercial sector. Having 11 branches means you’re never too far from a physical bank location. But if you can’t make it in, a friendly customer service representative is only a call or online chat away. From their banking products and services to their dedicated team of business banking experts, The Bank of Delmarva has what it takes to help see your business goals become reality. In fact, helping others succeed has made The Bank of Delmarva the success it is today. The Bank of Delmarva Member FDIC and an Equal Housing Lender.
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Horty continued a copy of their tax return when the preparer files it and the scammer typically arranges to have the refund deposited directly into his own bank account rather than being sent directly to the taxpayer. The schemes mentioned here are not the only ones taxpayers might encounter during the year. New variations of these scams appear regularly. The best defense against a fraud related to your taxes or to the IRS is to use caution and verify the credentials of any individual, business or charitable organization that contacts you. The old adage, “if it’s too good to be true, it probably is,” is worth remembering. The IRS has issued a list of reminders to taxpayers about how it interacts with taxpayers. Any contacts that do not appear to follow standard procedures may very well be fraudulent. The IRS will never: • Call to demand immediate payment, nor call about taxes owed without first having mailed you a bill. • Demand that you pay taxes without giving you the opportunity to question or appeal the amount they say you owe. • Require you to use a specific payment method for your taxes, such as a prepaid debit card. • Ask for credit or debit card numbers over the phone. • Threaten to bring in law-enforcement groups to have you arrested for not paying. If anyone makes a phone call that includes any of these threats or requests, you should immediately contact the IRS at 1-800-829-1040 or check the IRS website, www.irs.gov, for further information. The IRS website contains tips on protecting yourself from identity theft and email scams, a search feature that helps identify legitimate charitable organizations and information on how to report suspected tax fraud. By protecting your personal information and following the advice posted on the IRS website, you can insulate yourself against the possibility of scammers posing as the tax man taking advantage of you. About the author Brian Stratton, CPA, is a director with Horty & Horty, P.A., a Delaware accounting firm with offices in Dover and Wilmington.
EQUAL HOUSING
LENDER
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Business Report | February 2018
! !
! Chamber of Commerce joined Shakti Yoga for a ribbon cutting ceremony recently. Shakti Yoga, located at RIBBON CUTTING - The Central Delaware 1040 S. South St., Dover, offers hot yoga, Vinyasa yoga, meditation and Just Stretch & Chill. They plan to offer a $5 First Friday Community Meditation ! Wheatcraft Ray, Glenn Ray, Danielle Alfree, Laura Weeks, Gina Vandenhenden, Kim Staples, Jim Taylor, every month. Pictured: Matt McCann, Loretta Tammy Zulkowski, Eric Zulkowski, Owner Ruby Zulkowski, Penelope Zulkowski, Johnathan Plummer, Lore Sackett, Maria Bunce, Bryce Bunce, Roxann Ellis Webb, Jennifer Pappas, Corrine Contagious, Jane Royle, Nathan Alfree, Sharon Wright, Linda Rowley, Sheryl Colgan, Holly Briel, Amy Whitemore, ! Diane Nicolosi, Corynne Smith, Alexis Gatti, Renee Linz, Bobbie King, Kalynn Walden, Kendall Wilson-Lamourine, Dina Vendetti and Gary Pippin.
Control more than ever Reduced Virtual Keypad funding impacts Commercial Grade nonprofits ! !
With!your!Virtual!Keypad!AppTM!you!can!manage!and!control!your!system!from!anywhere!using! TM either!an!Apple!or!Android!mobile!device.!As!an!added!benefit!you!will!also!have!the!ability!to! manage!your!system!through!MyVirtualKeypad.com!our!web!browser!based!management!system.! Standard'Features'Include:'
Check!the!status!of!your!system! Arm!or!disarm!! Add,!delete,!and!manage!user!codes! Receive!event!notifications!! Check!history!! SetCup!favorites!! native but to reduce service hours to clients, ! eliminate employee benefits and even lay MyVirtualKeypad.com,!Just!like!your!Virtual!Keypad!AppTM!provides!you!with!a!clean,!elegant,!easy!to! off workers. ü Manage multiple areas and systems According to the December 2017 expen-use!interface.!Controls!are!logically!arranged!with!a!simple!tab!system,!with!all!functions!just!a!click! ü Arm/disarm all, by area, or by schedule. ditures report from the Delaware Economicaway;!it!also!includes!a!handy!twoCday!weather!report!as!part!of!the!display.'
A recent survey conducted by DANA, the Delaware Alliance for Nonprofit Advancement, indicates that when state funding is reduced nonprofits have no alter
• • • • • •
ü Add, delete, and manage users
and Financial Advisory Council (DEFAC), ü Receive notifications of system events the FY 2018 state budget reduced grant Additional'features'available'include:'' ü Manage lights, locks, and HVAC TM! funding by more than $25 million, including With!your!Virtual!Keypad!App! and!the!addition!of!a!ZCwave!interface,! Apple, Android smart phone or tablet and browser Track customer traffic count history ü $8.6 million of grant-in-aid dollars. associated!equipment,!and!activation!of!the!ZCwave!features,!you!can!also!! In fall 2017, DANA asked nonprofit ! executives to provide insight into the choic• Control!lights!! es they made due to the government funding • Lock!and!unlock!doors!! reductions. Of the 52 nonprofits who com• Control!thermostats! Call or visit us @ pleted the survey and indicated they typically receive state funding, 42 (81 percent) • View!live!video! Securing what matters since 1960 www.securityinstrument.com realized a reduction. • More! ! Continued on page 18
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For!more!information!call!302C633C5621!or!email!us! sales@securityinstrument.com! 19 Business Report | February 2018
RIBBON CUTTING - The Central Delaware Chamber of Commerce joined Petals & Pearls Florist for a ribbon cutting ceremony recently. Petals & Pearls Florist is a full service floral shop which has pre-designed floral arrangements for purchase as well as custom creations for any event. The shop, which is owned by Carey and Rosa Smith, is located at 872 Walker Rd., Ste. B, Dover. Pictured from left: Jeffrey Moore; John Still; Dina Vendetta; Danielle Hufford; Chauntel Fuentes Smith; Lisa Raines; Kim Greene, florist; Erlene George; Rosa Smith, owner; Carey Smith, owner; Nick Alexander and Katrina Sullivan.
DANA continued
Nearly all reported that to offset reduced revenue, they will seek new sources of funds. But in the immediate term, they were required to reduce service hours, employee benefits, cut back on promotion, or eliminate services with small businesses offering professional services. Collectively, 13 agencies laid off 40 workers. The December DEFAC report also provided future projections for state funding, indicating a continued reduction in grants based on current revenue projections.
DANA asked nonprofit executives what actions they are considering to sustain their organizations in the long-term. Eighty-one percent of those who responded expressed plans to expand fundraising efforts to attract new donors or hold more fundraising events. Additional future actions included changes to their operations by either by forming strategic alliances, eliminating fringe programs to focus on their core, restructure or close. To view the DANA Survey Infographic or read the full report, visit delawarenonprofit.org/ research-and-resources.
SERGOVIC CARMEAN WEIDMAN McCARTNEY & OWENS, P. A.
406 S Bedford St, Suite 1, PO Box 751 Georgetown, DE 19947-0751
Attorneys at Law
John A. Sergovic, Jr. Deirdre A. McCartney
Shannon Carmean Burton David J. Weidman Shannon R. Owens Elizabeth L. Soucek Rachel Bleshman Real Estate / Civil Litigation / 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.sussexattorney.com 20
Business Report | February 2018
Delaware Department of Insurance opens Sussex County location
The Delaware Department of Insurance can now offer consumers in Sussex County the ability to meet with Department staff in Georgetown. Commissioner Trinidad Navarro officially opened the office located at 28 The Circle, Georgetown on Jan. 19. “The Department of Insurance has offices in Kent and New Castle County. Sussex County residents had to travel an hour or more to have their insurance issues addressed. Now, within approximately 30 minutes or less they can be helped in our Georgetown office,” Navarro said. House Bill 77 addressed the issue of citizen accessibility to be able to speak with department personnel locally by opening a Department of Insurance office in Sussex County. It allows greater accessibility to service the needs of one of the
Insurance Commissioner Trinidad Navarro, center, is joined by a large number of elected officials to cut the ribbon tor the department’s new office in Georgetown.
State’s fastest growing populations. “Almost two-thirds of walk-in visitors to our Kent County office are from Sussex County, and the majority of them are seniors. I’m excited that we are now able to help them closer to their home,” the Commissioner added. Speaker Pete Schwartzkopf and Representatives Bryon Short and Ruth Briggs King, and Senators Brian Bushweller and Brian Pettyjohn sponsored HB 77. The commissioner also said, “I’m thankful for Speaker Schwartzkopf and Representatives Bryon Short and Ruth Briggs King, and Senators Brian Bushweller and Brian Pettyjohn for sponsoring the bill and seeing it through. We will be able help many more residents in Sussex County than we have in the past.” The Sussex County office of the Department of Insurance is located on the Circle in Georgetown and will be open Monday–Friday from 8 a.m. – 4:30 p.m. The address is 28 the Circle Suite 1, Georgetown, DE 19947 and the phone number is 302-259-7554.
Job Satisfaction With KSI Supported Employment
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Business Report | February 2018
Houston poultry farmers receive Environmental Stewardship Award Poultry farmers Randy and Jordan McCloskey were recognized during Delaware Ag Week for their efforts to improve water quality and reduce nutrient runoff with the 2017 Delaware Environmental Stewardship Award. The McCloskey’s farm is located in Houston, where they grow broilers for Allen Harim Foods. On top of the four poultry houses, with a capacity of 136,800 birds per flock, the McCloskey’s farm 500 acres of grain. As part of their efforts to be good environmental stewards, the McCloskey’s have utilized diverse road-side plantings to help reduce dust, control odors, and increase aesthetics; a storm water pond on the farm is fed by seven swales; and they follow a nutrient management plan that utilizes their poultry litter for soil health benefits. When farming is done for the day, both Jordan and Randy serve as ambassadors for the industry speaking with neighbors about the antibiotic-free chickens they raise and debunking myths surrounding the industry. The Environmental Stewardship Awards were presented to the McCloskey’s and three other runner-ups by Nutrient Management Commission Chairman Bill Vanderwende and Nutrient Management Administrator Chris Brosch. “Each of the poultry companies nominates a Delaware poultry grower that excels in preserving and enhancing environmental quality on their farms,” Brosch said. “These farmers are great examples of the hard work and dedication that Delaware farmers have in protecting our land and water resources.” Runners-up were: Josh Parker of Bridgeville who began farming in 2008, grows for Perdue Farms, with a capacity of 100,500 roasters per flock. Parker has planted a diverse assortment of 22
Business Report | February 2018
flowering native shrubs and trees as visual buffers and windbreaks. He has planted bald cypress trees in swales between houses to help take up nutrients, while storm water from the production area drains into a farm pond for treatment. Norris and Phyllis West of Laurel, who grow for Mountaire Farms, have six poultry houses with a capacity of 168,000 broilers per flock. The West’s have been raising chickens since 1968. The farm has four modern and well-maintained poultry houses. On the property, the West’s utilize three manure sheds and two composters. They have created a drainage pond and planted the banks in trees as a buffer. Brian Kunkowski of Laurel, who grows for Amick, raises 144,000 broilers per flock in his four poultry houses on 32 acres. Along with a manure shed, the storm water engineering includes stone beds along the houses, grass swales draining to a 2.5-acre pond lined with giant trees and a
screened drain. Kunkowski also owns horses, but leaves the hayfields unmowed in the winter so that wildlife can benefit. The McCloskeys will receive $1,000, a plaque and sign for their farm. The runners-up will receive $500, plaques and signs. Past recipients of the Environmental Stewardship Award include Ted Layton and Scott Willey (2016); Chris Lesniowski of Marydel (2015); Georgie Cartanza of Little Creek (2014); Connie Carmean of Laurel (2013); Marilyn and Lee Ellers, Sparrow’s Song Farm, Houston (2012); Douglas and Deborah Vanderwende, Locust Grove Farm, Greenwood (2011); Frank Robinson and family, Dead Broke Farm, Harrington (2010); Mary Bryan, Laurel (2009); Joe Bauer, Harrington (2008); Scott Peterman, Milford (2007); and Guy and Nancy Phillips, Georgetown (2006). The awards are supported by Allen Harim Foods, Amick Farms, Mountaire Farms and Perdue Farms.
RIBBON CUTTING - The Rehoboth-Dewey Beach Chamber of Commerce (RBDBCC) welcomed First Rate Movers with a ribbon cutting ceremony recently. First-Rate Movers, a full service moving company headquartered in Lewes, provides residential and commercial clients with packing and moving services. For more information, call 302-703-9981. Pictured from left: Joy Kidd, RBDBCC; Craig Hyson; Vanessa Hyson; Randy Messick; Brett Hyson, owner; Camron Halliday; Brian Halliday; Glenn Donohue; Kathy McGuiness, City of Rehoboth commissioner; Meghan McCalley, RBDBCC.
TASTES OF MILFORD- The Chamber of Commerce for Greater Milford presented the Milford School District with a $3000.00 check from a portion of the proceeds from the 11th Annual Holiday Auction / Tastes of Milford. For information about the Milford School District contact Craig Warrington at 302-422-1600. For questions concerning the Chamber of Commerce for Greater Milford call 422-3344, email milford@milfordchamber.com or find us on Facebook. Shown are Craig Warrington and Jo Schmeiser with several Milford School District staff members that assisted with the 2017 Holiday Auction/Tastes of Milford. Not pictured is Debbie Heinsch, Tastes Chairperson.
Beware of investments with cryptocurrencies With cryptocurrencies attracting recent headlines, the Investor Protection Unit of the Delaware Department of Justice is urging Delaware investors to be cautious about investments involving cryptocurrencies. “Investors should make certain they understand the risks associated with investments in cryptocurrencies and financial products involving cryptocurrency before they invest,” said Director of Investor Protection Greg Strong. Cryptocurrencies are a medium of exchange that are created and stored electronically in the blockchain, a distributed public database that keeps a permanent record of digital transactions. Current common cryptocurrencies include Bitcoin, Ethereum and Litecoin. Unlike traditional currency, these alternatives have no physical form and typically are not backed by tangible assets. They are not insured or controlled by a central bank or
other governmental authority, cannot always be exchanged for other commodities, and are subject to little or no regulation. A survey of state and provincial securities regulators by the North American Securities Administrators Association (NASAA), of which the Investor Protection Unit is a member, shows 94 percent believe there is a “high risk of fraud” involving cryptocurrencies. Regulators also were unanimous in their view that more regulation is needed for cryptocurrency to provide greater investor protection. “The rapid price swings in cryptocurrencyrelated investments may tempt investors to invest in cryptocurrency without first becoming knowledgeable about the risks involved,” Greg Strong said. “Cryptocurrencies and investments tied to them are extremely volatile and highly speculative investments. Combined with a high risk of fraud, cryptocurrencies are high-risk investments.”
Last month, NASAA identified Initial Coin Offerings (ICOs) and cryptocurrency-related investment products as emerging investor threats for 2018. Unlike an Initial Public Offering (IPO) when a company sells stocks in order to raise capital, an ICO sells “tokens” in order to fund a project, usually related to the blockchain. The token likely has no value at the time of purchase. Some tokens constitute, or may be exchangeable for, a new cryptocurrency to be launched by the project, while others entitle investors to a discount, or early rights to a product or service proposed to be offered by the project. The Investor Protection Unit of the Delaware Department of Justice can help investors research the background of those selling or advising the purchase of an investment. The Investor Protection Unit can be reached at 302-577-8424 or through our website at attorneygeneral.delaware.gov/fraud/ipu/. 23
Business Report | February 2018
To stand apart from your competition, be meaningful Here are some marketing questions that are becoming important in 2018: Do you want to be relevant or irrelevant? Do you want your target audience to find value in their relationship with you? Or do you want to be another interruption in a sea of noise online and in life? Harshness aside, it is no longer enough to just market your products and services. Marketing experts expect to see a rise in 2018 of brands restructuring their positioning to include real social good initiatives. “In 2018, the expectation is that companies will continue to expand their activism on, and investment in, the issues that matter to their employees, customers and communities,” noted communications consultant Susan McPherson in a Forbes article. Social good initiatives must be more closely aligned with your organization’s purpose — not just lip service. Some strong examples include Microsoft’s #MakeWhat’sNext social media push to encourage girls to pursue careers in science and technology. Then there’s the ongoing Dove’s campaign that celebrated the different sizes and shapes of #RealBeauty. Though small organizations may not have the time and resources for awareness campaigns that align with their values, they can still aspire to do good. Approach meaningfulness with empathy. Branding guru Bernadette Jiwa, author of “Meaningful: The Story of Ideas That Fly,” reminds us that meaningful products and services start life as a set of unfulfilled expectations, a moment of frustration or a feeling of helplessness. You breathe new meaning into your brand by finding ways to fulfill those expectations and make life easier for the people you serve. “Our job is not to simply obsess about the features and benefits of what we are making; it is to wonder and care about the difference it could make,” Jiwa wrote. She adds, quoting Steve Jobs, that a brand’s job is to “Get closer than ever to your customers. So close that you tell them what they need well before they realize it themselves.” Take a simple step: Create thoughtful content. One simple way to become more meaningful is to create content that resonates with your ideal clients. Consumers expect their brands to produce educational and inspirational content, regardless of size. You may be 24
Business Report | February 2018
deemed irrelevant if you don’t share content that improves the life of your village. Too many brands are not doing enough. And consumers are noticing it. In fact, consumers wouldn’t care if 74 percent of the brands they use every day just disappeared, according to an annual brand study by the respected media agency Havas. The comprehensive report involved 375,000 people across 33 countries. Havas found a 71 percent correlation between content effectiveness and a brand’s impact on consumers’ personal well-being. The greater the impact, the more meaningful a brand becomes in public engagement and business results. Some other key points: 84 percent of people expect brands to provide content and experiences. 75 percent of respondents expect brands to make more of a contribution to personal and communal well-being and quality of life, yet only 40 percent believe brands are doing so. 60 percent of all content produced by brands is declared as poor, irrelevant or failing to deliver. The point is not to produce content for the sheer sake of it. Brand content must inspire, educate, reward, inform, help or entertain. Havas found that brands are fulfilling customer expectations around rewarding content, but they’re falling short on content that entertains and inspires. Take note of these five tips.
Havas found that to be meaningful, you should produce more thoughtful content and: 1. Understand the values and needs of your ideal clients. 2. Know how you Rivera are meaningful — such as by encouraging healthy choices or offering superior customer support — and strive to improve. 3. Define the role you want to play in your village’s personal or collective wellbeing (for instance, will you educate or connect people to each other?). 4. Be meaningful through a variety of touch-points, content and experiences. 5. Measure your success rate and improve as needed. Take that step. Become more meaningful this year. Find a common ground between your brand and a cause. Then develop a content strategy that both educates and inspires. You’ll do good and win the loyalty of clients who want relationships with meaningful brands.
Patricia V. Rivera is a marketing consultant and founder of Hook PR & Marketing in Lewes (www.hookpr.com).
Allen Harim’s Harbeson plant achieves perfect wastewater record In the first full year of operation with an upgraded wastewater treatment plant, Allen Harim’s Harbeson processing plant has achieved 100 percent compliance with all discharge parameter listed in the NPDES permit, the company announced this week. Allen Harim spent more than $8 million on Phase 1 of the treatment plant upgrade which was finished in late 2016. The new technology has been working so well that some of the parameters the company is required to test for produce results that are below their respective detection limits. The company is required to submit a monthly Discharge Monitoring Report to DNREC detailing all testing results. “This is proof that our investment has
been worth it and I’m so proud of our team for their hard work in ensuring a perfect record,” said Joe Moran, President and CEO of Allen Harim. “Our next step of removing our treated effluent from Beaver Dam Creek and piping it to Artesian for land application will be an even better environmental outcome.” The Phase 2 part of the project involves a partnership with Artesian Wastewater Management, Inc., an expert in wastewater issues. Construction permits were issued by DNREC last fall, and Artesian is building a pipeline from Allen Harim to their Northern Sussex Water Recycling Facility north of Milton. From there, Artesian will use the water for spray irrigation on agriculture land where crops need nutrients to grow.
Business Report Vol. 21 No. 5 PRESIDENT
Bryant Richardson TREASURER
Carol Wright Richardson PUBLISHER
Mike McClure
COMPOSITION
Elaine Schneider Tina Reaser Karen Cherrix Kimberly Beard
Shown (l to r) is the wastewater team at Allen Harim’s Harbeson plant: Kathy DePoorteer, Eldon Potts, Valdanio Vernet, Michael SausÊ, Curtis Wright, Jeff Bailey and Dawn Bowles.
Using recycled water to irrigate crops helps save groundwater, and saves farmers
from having to buy chemical fertilizers to add nutrients to the soil.
VP OF MARKETING
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Business Report | February 2018
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. Seaford, DE 19973 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 CHAMBER OF COMMERCE Bethany-Fenwick Area Chamber of Commerce Lauren Weaver 302-539-2100 302-539-9434 fax www.thequietresorts.com 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 26
Business Report | February 2018
302-422-3344 302-422-7503 fax www.milfordchamber.com milford@milfordchamber.com 24 NW Front Street Milford, DE 19963 Georgetown Chamber of Commerce Kevin Thompson 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 Carlene Roche 302-934-6777 302-934-6065 fax www.millsborochamber.com info@millsborochamber.com 102 Washington St., Suite 6 P.O. Box 187 Millsboro, DE 19966 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 Harman 302-629-9690 302-629-0281 fax www.seafordchamber.com admin@seafordchamber.com
304 A High St.- Suite 5 Seaford, DE 19973
270 Beiser Blvd. Dover, DE 19904
COMMERCIAL CLEANING SERVICES EASTERN SHORE CLEANING, LLC Chris and Sonice Lee (302) 752-8856 www.easternshorecleaning. com easternshorecleaning@ comcast.net
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
EDUCATION Delaware Technical Community College Workforce Development and Community Education 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 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
Dover Federal Credit Union Six Statewide Locations Deb Jewell 302-678-8000 www.doverfcu.com 1075 Silver Lake Blvd. Dover, DE 19904 djewell@doverfcu.com 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 stephanie@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 Christina Deidesheimer 302-645-3220 302-644-9032 fax www.beebehealthcare.org cdeidesheimer@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 M Insurance William Biordi, owner 302-732-6655 302-732-6485 fax www.insuranceservices.com info@insuranceservices.com 32183-9 N. Dupont Blvd. Savannah Square Shopping Center P.O. Box 8 Dagsboro, DE 19939 INTERNATIONAL BUSINESS World Trade Center Delaware Carla Sydney Stone
302-656-7905 wtcde.com 802 N. West St. Wilmington, DE 19801 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 PRIVATE INVESTIGATIVE 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 JEWELERS Holland Jewelers 302-947-1200 Excellence since 1990! 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 Burton Seth L. Thompson Deirdre A. McCarthy Elizabeth Soucek David J. Weidman Shannon R. Owens 302-855-1260 302-855-1270 fax www.scdelaw.com 406 S. Bedford Street Suite 1 PO Box 751 Georgetown, DE 19947
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 The Smith Firm Michael R. Smith, Esq. Chad R. Lingefelder. Esq. Blake W. Carey. Esq. 302-875-5595 302-280-6592 fax 8866 Riverside Drive Seaford, DE 19973 302-827-2046 fax 323D Rehoboth Ave. 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 PRINTING & PROMOTIONS Rogers Graphics Darrell Fearin 302-856-0028 dmvprinting.com print@rogersgraphics.com 26836 Lewes Georgetown Hwy Harbeson, DE 19951 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. Office: 302-629-4514 Toll Free: 800-966-4514 www.cfmrealestate.com admin@cfmnet.com 500 W. Stein Hwy. Seaford, DE 19973 27
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 The Real Estate Market Randy Hill, Broker 315 N. Central Ave. Laurel, DE 19956 302-877-8100 office 302-877-8111 fax realestatemarket.pro Randy@realestatemarket.pro STAFFING AGENCY Quality Staffing Services Susan Megarge, office manager 302-990-5623 ext. 21 302-990-5626- fax- attention Susan EasternShoreJobs.com susanm@qssjobs.com 308 E. Stein Highway Seaford, DE 19973
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 | February 2018
The Heart of Good Health A Healthy Community Event & Partner Expo
SAVE THE DATE! Saturday, March 17, 2018 9 a.m. to 1 p.m. Laurel High School 1133 South Central Avenue, Laurel, DE
FREE Screenings & Fun For The Whole Family Join us for this FREE Community Health Fair & Partner Expo including, Health Education, Healthy Living Demonstrations, and Activities for All Ages. Screenings/ Tests Include: HA1C/Glucose (12-Hour Fasting Suggested), Blood Pressure Checks, Bone Density, Balance Testing, Lipid Profile/ Cholesterol (12-Hour Fasting Suggested), Grip Strength, Proper Body Mechanics, Skin Damage Analysis, Vision Screening, and Pediatric Height, Weight and Body Mass Index.
A Special Appearance & Autograph Signing Washington Redskins Running Back, Chris Thompson, will be signing autographs from 10:00 am to 12:00 noon. Autographs are free. One per person please - so everyone gets a chance. Bring your own item to be signed.
THANK YOU TO OUR SPONSORS:
Fabulously Fit Sponsor
For an updated list of activities, visit: www.nanticoke.org/healthfair.
Eating Right Sponsor
Southern Delaware Foot & Ankle Active Living Sponsor
HEALTH SERVICES
Always Caring. Always Here.