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Business Journal PO Box 510 Salisbury, MD 21803-0510
Salisbury Area Chamber of Commerce
Vol. 17 No. 7
Dedicated to the Principles of Free Enterprise
February 2014
Connect for Success is February 12
Dr. Mark Edney reminds the community to ‘LIVE UNITED’
United Way Ball
The 2013 United Way Holiday Ball Committee ensured the most successful Holiday Ball to date at the Hyatt Regency Chesapeake Bay Resort in Cambridge. A record breaking $60,000 was raised. Page 16
Finance Edition
These businesses and organizations are here to help businesses. Pages 17 - 23
INSIDE
Barometer ................................... 30 Business After Hours.................... 6 Business Directory ................28-29 Calendar ....................................... 4 Health ........................................ 24 Education.................................... 26 Investing ....................................... 8 Membership Renewals ............... 12 New Members ............................ 12 Personnel File ............................ 14 Salisbury University .................... 27 Shore Land Report ..................... 13 Viewpoint ...................................... 3 Young Professionals .................. 13
Salisbury Area Chamber of Commerce
PATRONS
M&T Bank presents a sponsorship check to the Chamber Foundation for the 2014 Economic Forecast. Pictured from left: Jon Sherwell, administrative vice president, commercial group manager, M&T Bank; Gene Malone, administrative vice president, M&T Bank; Nina East, president, Salisbury Area Chamber of Commerce Foundation; Brad Gillis, president, Salisbury Area Chamber of Commerce; Ernie Colburn, CEO, Salisbury Area Chamber of Commerce.
Economy showing some signs of improvement By Al Higgins How is our economy on the Lower Shore? Are we making any headway in refueling our economic engine? What aspects of our economy are doing well and which are not? These questions, and many others, were answered, or at least addressed, at the 26th Annual Economic Forecast meeting held at UMES on January 16. The Salisbury Area Chamber of Commerce sponsored this important meeting and guests from many aspects of the Lower Shore business communi-
ty were invited to tell their story of how they are doing. The meeting opened with an address by Dr. Juliette B. Bell, president of UMES. She mentioned that UMES currently has students from every Maryland county, as well as from several other states and even from other countries. She stressed that UMES strives to support the business community and to improve life on the Eastern Shore, but she needs to know the needs of area businesses. The formal program began with a presentation by Chris Kreicker, senior Continued to page 10
The Salisbury Area Chamber of Commerce is pleased to announce that they will once again be presenting Connect For Success. This event will be held from 7:30 a.m. to 1:30 p.m. on Wednesday, Feb. 12, at the Wicomico Youth & Civic Center. Registration and continental breakfast will begin at 7:30 a.m. The program will run from 8:30 through 11:30. This program allows participants to connect with over 80 other business people over a three hour time period. Each participant is given one minute to pitch their business to nine people at their table and then it’s time to move on to the next group. A hot buffet lunch from noon to 1:30 p.m., will allow for additional time to network with newly acquired business associates. What an exciting and fun way to meet people and get your business noticed! There is a limit of one participant per company (certain exceptions may apply). For the participants of Connect For Success who are unsure of their presentation or who would like to tweak their pitch, the Chamber will host “60 Second Drill” on Thursday, Feb. 6. The “60 Second Drill” which will be presented by Tony Nichols of BBSI is free to those who are signed up for Connect For Success. During this program, individuals will learn how to write and present their 60 second pitch and practice it on the other participants preparing you for Connect For Success. For further information on either program or to register for Connect For Success, contact Cathie Thomas or Cindy Feist, membership managers for the Salisbury Area Chamber of Commerce, at 410-749-0144.
Advisor Focus
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Henry CCIM, SIOR Contact Hanna, Wesley Cox, CCIM, wesley.cox@svn.com or http://Sale.svn.com/OlsensWestover 410-543-2421 http://properties.svn.com/55046-sale MLS #427361
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31400 WINTERPLACE PKWY.
542 RIVERSIDE DRIVE
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• Free-Standing Retail Building 2 Grass Runways 3150' and 2300' •• High Traffic/Highly Visible Location Includes all ShopSpace/ Equipment & Mowers • 2,623 SF Warehouse 2,600 SF Flex Retail Space Contact John McClellan, CCIM 410-543-2428 Henry Hanna, CCIM, SIOR john.mcclellan@svn.com http://johnmcclellan.net http://Sale.svn.com/BennettAirport http://properties.svn.com/66021-lease
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CAMBRIDGE, MD MD│FOR | FOR SALESALE SALISBURY,
601 E.OCEAN MAIN STREET 8999 HWY.
218 KILEY DRIVE 2020 SHIPLEY DR.
LONGBOAT 635 ESTATES HOMER ST.
$5.50/Sq. Ft.
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WesleyJohn Cox 410-543-2421 Contact: McClellan, CCIM henry.hanna@svn.com, wesley.cox@svn.com http://lease.svn.com/8999OceanHighway MLShttp://properties.svn.com/601EMain #437628, 438370
BERLIN, MD MD│FOR LEASE SALISBURY, | FOR LEASE
10231 OLD OCEAN CITY RD.
2231 NORTHWOOD DRIVE
$7.50/Sq. Ft. $650,000
$18.50/Sq. Ft.
$4,300/month • 1,600 Sq. Ft. Medical Office Space inNNN Class A Medical Facility 6,524 SF Office/Warehouse Space Campus • On• Atlantic General Hospital’s • Easy Access to US Rt 13 and USRm., Route250Nurse • 3 Exam Rms., Break & Chart - LocatedOffice, in Northwood Industrial Area Stations, Reception & Waiting Areas Contact: Brent Miller, CCIM or Rick Tilghman, CCIM Contact Bradley Gillis, CCIM, bradley.gillis@svn.com http://Lease.SVN.com/JamesBarrettMedical Joey Gilkerson, joey.gilkerson@svn.com MLS#441004 410-543-2440 http://properties.svn.com/65741-lease
$475,000
• 5,000 Sq. Ft. Office/Warehouse psf • Eastern ShoreFeatures Mini Storage Facility$3.50 • Warehouse 2 Roll-Up Doors & •Parts centralRoom location • 2• minimum Privateoversight Officesrequired and Conference Room • 61 storage units in place • Last Unit in Complex • site approved for 183 additional units Contact: John McClellan, CCIM Contact Chris Peek CCIM 410-603-9112 http://lease.svn.com/2040Shipley chris.peek@svn.com MLS #437339
$1,530,000 • 10,000 Office/Warehouse Flex Building •• 85 Full General Commercial Zoning Turnkey Lots Ready for Development FencedBoat Yard Area •• Feaures Ramp onto Jenkins Creek •• Close to Route@50$ 5.50/Sq. Ft. For Lease • Convenient Location Just Off RT 13 Contact ChrisChris DavisPeek, CCIM Contact: chris.davis@svn.com 410-543-2440 http://Sale.svn.com/635_Homer http://properties.svn.com/67579-sale MLS # 427375
FRUITLAND, MD│FOR DELMARVA PENINSULA | FORLEASE SALE
HURLOCK, MD│FOR SALE SALISBURY, MD | SALE OR LEASE
IN CROWN SPORTS CTR. FACILITY
ACREAGE
8102 TOTAL ACRES AVAILABLE $235,000 • 1,283 Sq. Ft. Professional Office Space • 3 Offices, Reception Area, Large Open • 2,156 SF Freestanding Building on 0.65 Acres Area & FileBank Room • Former Facility • Kitchenette, Restroom and Lots of Storage • Excellent Visibility & Access • End• Unit in Winter Place Bus. Park ZonedLocated CBD- Central Business District Contact: Brent Miller, CCIM or Rick Tilghman, CCIM Contact Brent Miller, CCIM, CPM http://Lease.SVN.com/WinterPlacePark brent.miller@svn.com 410-543-2440 MLS #439632 http://properties.svn.com/542Riverside
BENNETT AIRPORT
SALISBURY, | FOR SALE SALISBURY,MD MD│FOR LEASE
$1,275,000
SALISBURY, MD│FOR LEASE
38481 SUSSEX HIGHWAY
SALISBURY, MDMD│FOR | SALE OR LEASE LEASE SALISBURY,
WAREHOUSE/OFFICE SPACE 102 PARK AVE.
• Manufacturing/Warehouse STARTING FROM $500/MONTH $3.50 psf • Pre-Engineered Steel with Split Face Block Office; Clearspan Ceilings • Warehouse/Office Spacew/20’ Available • Paved Parking and Truck Area • Several Locations in Salisbury • Multiple Doors • 1,000Drive-Thru - 3,000 SF Available Contact: John McClellan, CCIM Contact Rick Tilghman, CCIM http://sale.svn.com/102Park MLS 410-543-2459 #551363 rick.tilghman@svn.com
SALISBURY, MD│FOR SALE
$699,000
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Business Journal • February 2014
PAGE 3
Slow, but steady growth is the outlook for 2014 By Ernie Colburn SACC CEO
Well, we have one month of the new year un...someone has to der our belt. Other than the cold weather, coming out of pay to make up that mid-January was our 26th shortfall and it will Annual Economic Forecast. probably be the taxIncluded in that event payer — again. was the report provided by BEACON for 4th Quarter 2013 and Outlook for Q-1 store at the Centre at Salisbury. This 2014. Note we’re still on the outer edge will be a huge square footage hole to of the recession since the Eastern Shore fill. Possibly that square footage could historically is 12 to 18 months behind be subdivided for two or three stores. the rest of the country and Maryland in Finding another “big box” store to fill recovery. We’re on the “cusp” of recov- that footprint might be tough right now ery — slow but moving forward. considering our current economic enviWhat we’re experiencing here on the ronment. Lower Eastern Shore is recovery withThe Maryland General Assembly is out a growth in hiring base. Not good. in full “thrust” of its session. We’re goWe need to grow our employment base. ing to see movement on increasing the At the same time, wages have remained minimum wage which here on the Low“flat” to “no change.” Spendable iner Eastern Shore would not be a good come is continuing to be tough to come thing for our small businesses that are by. just holding on, post recession. With Retail is beginning to show “slow this being an election year and the June growth” as was outlined by a panel24th primary so close to the end (midist at the Forecast last month. Yet, we April) of the session, I don’t believe had the news of J.C. Penney closing its we’ll see any major tax increases. That
MARCH
Salisbury Business Journal
being said — look out for next year! With Maryland projecting nearly half a billion dollars in red ink by the end of the fiscal year in June, someone has to pay to make up for that shortfall and it will probably be the taxpayer — again. Our agricultural community had good representation at the Economic Forecast as well as interesting comments from MD Ag Sec. Buddy Hance on the Phosphorous Management Tool. Our Ag community has always advocated for a quality, clean bay and responsible farming techniques near the bay and its tributaries. All the farming community asks is show us the economic impact with a study as well as documented scientific data to back the demands this bill would impose on farmers. So, in summary, our economic base would be classified as “steady to moving up.” We’re all going through a period of adjustment or as County Executive Rick Pollitt so aptly put it, we’re adjusting to a “new normal.” Your Chamber is out there on the front lines fighting every day for our small businesses. We watch and work closely with City and County governments. We continue to promote and
grow our membership every month — as the saying goes, “there’s strength in numbers,” and it’s important that we have a strong voice in the community and that assures us that we’re being heard loud and clear. In closing, I had a member say to me, “I’m not really getting anything out of being a member of the Chamber.” My immediate question to this member was, “what have you given back to the Chamber?” In other words, have you participated in a ribbon cutting, business-after-hours event, a lunch & learn seminar, volunteered to serve on the Membership, Advocacy, Community Outreach, or Business & Economic Development divisions? As I say at every Chamber 101-New Member Orientation, “You need to meet me halfway...the Chamber can’t do it all for you. You need to make a contribution - a commitment to get involved and make a difference in the community.” We all can “armchair quarterback.” We all can also stand up and do something positive and make a difference. I welcome your thoughts and comments. Go to www.salisburyarea.com and express your opinion on “The Chamber Voice” tab of our website.
Chamber seeks award nominations
It’s that time of the year again! The Salisbury Area Chamber of Commerce is calling together its community leaders to celebrate the year’s successes and the installation of the new Chamber Officers and Board of Directors. The Annual Banquet will be held in April. Details will be announced at a later date. The awards include: 1. Chamber of Commerce Award 2. The Humanitarian Award 3. The Member (Volunteer) of the Year 4. The Recruiter of the Year 5. Small Business of the Year
6. Medium Business of the Year 7. Large Business of the Year 8. Businessman of the Year 9. Businesswoman of the Year 10. Young Professional of the Year 11. Environmental Service Award 12. Agriculture Ambassador of the Year 13. Non-Profit Organization of the Year For a full description of the awards and nomination form, visit www. salisburyarea.com. The deadline to submit nominations is Friday, March 28, at noon.
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Business Journal • February 2014
PAGE 4
Calendar of Events
Salisbury Chamber
Tuesday, Feb. 4 - Ambassadors Committee, Chamber Business Center, 8 a.m.
Wednesday, Feb. 5 - Young Professionals Network, WBOC, 4:30 p.m. Thursday, Feb. 6 - Sixty-Second Drill, 9 a.m., Chamber Business Center. Thursday, Feb. 6 - Beautification & Environmental Affairs, Chamber Business Center, noon. Thursday, Feb. 6 - Business After Hours, The Rotary Club of Salisbury, 5 p.m. Tuesday, Feb. 11 - Business Before Hours, The Ward Museum of Wildfowl Art, 8 a.m. Tuesday, Feb. 11 - Advocacy Division Meeting, Chamber Business Center, noon. Wednesday, Feb. 12 - Connect for Success, Wicomico Youth & Civic Center, 7:30 a.m. Wednesday, Feb. 12 - Education Network, Chamber Business Center, Avery Hall Board Room, 8 a.m. Thursday, Feb. 12 - Legislative Roundtable, Chamber Business Center, 8 a.m. Thursday, Feb. 13 - Business & Economic Development Division, Chamber Business Center, noon.
Tuesday, Feb. 18 - Eldercare Provider Network, Harbor Point, 8:30 a.m. Tuesday, Feb. 18 - New Member Reception, Chamber Business Center, 11:30 a.m. Tuesday, Feb. 18 - Budget and Finance Committee, noon, Chamber Business Center. Wednesday, Feb. 19 - Business Affairs Network, Chamber Business Center, 8:30 a.m. Wednesday, Feb. 19 - Salisbury Festival Committee, Chamber Business Center, 4 p.m. Wednesday, Feb. 19 - Business After Hours, Hosted by LORA at Mr. Paul’s Legacy, 5 p.m. Thursday, Feb. 20 - General Membership Luncheon, The Fountains Wedding & Conference Center, noon.
Wednesday, Feb. 26 - SACC Executive Board, Chamber Business Center, 11 a.m. Wednesday, Feb. 26 - SACC Board of Directors, Chamber Business Center, noon.
100 Years of Giving and Growing
In 1914, 100 years ago, the community foundation concept was born in the Midwest, giving rise to a new philanthropy, a new way of participating in community, and a new vision for the future. Today, the Community Foundation of the Eastern Shore (CFES) is one of more than 700 community foundations in the United States, collectively managing more than $48 billion in assets and making grants of approximately $4.5 billion a year to improve life in their communities. There are more than 1,700 community foundations worldwide. “On May 17th, CFES celebrates its own 30th anniversary, commemorating the generations of donors and volunteers whose generosity continues to make life better on the Lower Eastern Shore,” said Doug Wilson, President & CEO, CFES. “We also mark this year as the 100th anniversary of the community foundation movement at work aroound the world.” Like all community foundations, CFES invites everyday people with a vision and a passion for community to create something together. Since 1984, the Community Foundation of the Eastern Shore (CFES) has been serving the needs of Wicomico, Worcester and Somerset Counties granting more than $30 million. Through the generosity and vision of our donors, CFES awarded grants totaling more than $5.4 million in fiscal year 2013. CFES brings together
donors and builds on community assets through scholarships, grants, advocacy, and leadership development. By focusing on people, organizations, neighborhoods and nonprofit capacity building, the Foundation addresses community needs in the areas of health, education, arts and culture, community development and the environment. The Community Foundation of the Eastern Shore serves Somerset, Wicomico and Worcester Counties. For more information, please visit our website at www.cfes.org.
Able to Work event at the Zoo
Did you know our regional Salisbury Zoo is one of the few free zoos in the country? What a gem we have! The Fifth Annual Able to Work Community Event at the Zoo will be held from 9 to 11:30 a.m. on Saturday, April 12. The event raises awareness that people with disabilities can and want to work and give back to their community. This year we are expanding with even more groups joining us to beautify and clean up Salisbury. The Salisbury Area Chamber’s Beautification Committee returns and Chesapeake Tours and Promotions’ Stash Your Trash is on board. Joining us at the zoo for a second year is Foundation in Human Potential’s Make It Matter which encourages young people to volunteer and serve in their communities.
Thursday, Feb. 27 - Young Professionals Coffee Connection, Main Roots Coffee, 7:30 a.m. Thursday, Feb. 27 - Marketing & Media Network, Chamber Business Center, noon.
It pays to do business with us. One of the most important financial benefits of being a Farm Credit memberborrower is having the opportunity to share in the association’s profits through our patronage program. We specialize in loans for homes, farms, land, construction, equipment and refinancing. So, if you’re looking for a new lender in 2014, give us a call today. RIBBON CUTTING - On one of the coldest days in the beginning of 2014, the Chamber helped Andy’s Place at 925 Snow Hill Rd., Salisbury, celebrate a ribbon cutting. Owner, Andreas “Andy” Fantis, invited Wicomico County Council and Chamber members into his restaurant on Tuesday, Jan. 7, to get warm and talked about opening the restaurant six months earlier. Andy, who was born and raised in Brooklyn, N.Y., moved to the Salisbury area with his family in the mid ‘90s. Having cooked and managed several area restaurants, Andy decided to open Andy’s Place. Offering a different dining experience every time you visit, from salads and burgers to seafood or creating your own pasta dish, there is something for everyone. Families are always welcome for lunch, dinner or takeout is available. For directions or hours of operation, call 443-736-4969.
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Business Journal • February 2014
PAGE 5
Preparations have begun for 2014 Salisbury Festival Despite the chilly weather on the Eastern Shore, the Chamber is looking ahead towards the warmer days of spring. For the Chamber, the spring season also means gearing up for the Salisbury Festival! Plans are underway for the 32nd Annual Salisbury Festival, scheduled for April 25-27, in Downtown Salisbury. Now in its 32nd year, The Salisbury
Festival has been a long-standing tradition in our community. It is a family-oriented event that highlights downtown Salisbury, showcases locally owned businesses, helps non-profits raise money, and is a way for the community to come together and celebrate spring. With a carnival, car show, arts and crafts, food, block party, entertainment and so much more, there is something for everyone. The festival’s website, www.salisburyfestival.com, will be updated regularly with new events and activities. This year’s festival planning committee will be chaired by Melodie Carter, vice president of business development at Hebron Savings Bank, and Brad Gillis, senior advisor for Sperry Van Ness Miller Commercial Real Estate. Their leadership, dedication to the community, and experience will help to make this year’s festival better than ever. All of the events and activities planned for the festival come from a committee of volunteers, and without their support the
Plans are underway for the 32nd Annual Salisbury Festival scheduled for April 25-27, in Downtown Salisbury.
festival would not be possible. Interested in taking part in the planning of such a well known community event? Call the Chamber today to find out how you can get involved. The Chamber is currently accepting applications for community performers, arts and crafts vendors, and commercial display vendors. There are also sponsorship opportunities available at a variety of levels. For more information on the Salisbury Festival, visit www.salisburyfestival.com, or call the Salisbury Area Chamber of Commerce at 410-7490144.
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At Lower Shore Enterprises we offer employment opportunities for individuals with disABILITIES™. The development of new business is critical for the well-being and success of our clients, and that is why we have been a chamber member for many years. Marketing has changed drastically over the past decade due to the creation of tools such as Facebook, Twitter and LinkedIn. Through these great tools, I believe we have moved away from one important aspect of marketing: face to face contact. The Salisbury Area Chamber of Commerce is the most prominent, local marketing tool available today
keeping face to face networking alive and well. Whether it’s an annual chamber meeting or an after hours, new business celebration, I always walk away with a solid business contract, a potential client or a long lasting friendship. I highly recommend membership in the Salisbury Area Chamber of Commerce as a vital tool in your business marketing plan and I commend the hard work that the Chamber does every day for its members. Bob Stewart
Business Development Lower Shore Enterprises
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Business Journal • February 2014
PAGE 6
Business After Hours Robinson’s Family of Businesses
Molly Hilligoss of Beach To Bay Publications with John Rankin after they had their t-shirts screen printed at the event.
Stephanie Willey of Comcast Spotlight with Laura Mitchell, Salisbury City Council and her husband, Miguel Mitchell enjoy the holiday festivities.
John Robinson and his family welcomed Chamber members, clients, and friends to the Business After Hours.
Memo Diriker, BEACON director; John Cannon, Cannon Management and Rentals, LLC; Laurie Crawford, ERA Martin Associates; and Jacob Day, Salisbury City Council.
Gourmet Goods & Gift Baskets
We’re Passionate About Food
On Dec. 19, 2013, Robinson’s Family of Businesses invited the Salisbury Area Chamber of Commerce to their location at 2300 N. Salisbury Blvd., for a Business After Hours. The Robinson Family opened their entire facility to showcase all available products and services. Sales and services include antique clocks and clock repairs, estate jewelry and jewelry repair, engraving, Christmas ornaments, and Salisbury Pewter just to mention a few. During the event, attendees could tour the facility while enjoying food and beverages, having their own screen print t-shirt done and shopping for last minute Christmas gifts. Thank you to John Robinson, his family and employees for allowing us a behind the scenes look at their Salisbury location.
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Salisbury Area Chamber of Commerce Patrons Diamond Patrons:
Gold Patron:
Silver Patrons:
Payment Processing
Bradley Gillis
Bronze Patrons:
Business Journal • February 2014
PAGE 8
What kind of life do you want when you retire? When you start out in your career, you’re probably not thinking much about retirement. At this point, your picture of a “retirement ...you’ll need to define lifestyle” may be, at best, hazy, hidden as it is behind your retirement vision a veil of experiences you’ve by identifying its variyet to encounter. But as you ous parts. move through the years, your view of retirement comes into clearer and closer fobeach? The difference in costs between cus — and this vision will have a big global and U.S.-based travel can be impact on your savings and investment enormous, so you’ll need to define your strategies. goals and estimate your expenses. Consequently, to create and imple• Second home — Once you retire, ment those strategies effectively, you’ll need to define your retirement vision by you’ll have to make some housingrelated decisions. Should you sell your identifying its various parts. Here are home and “downsize”? Or do you want some to consider: to keep your current residence and pos• Travel — If you’re like many peosibly purchase a second home, such ple, you may dream of traveling during as a condominium, in another part of your retirement. But what does “travel” the country? Obviously, you’ll need to mean to you? Do you envision taking factor in these choices when you think a cruise or an international trip every about how to invest before you retire year? Or is your idea of travel just a and how to manage your withdrawals short jaunt to a popular destination, such as a lake or the mountains or the from your 401(k), IRA and other ac-
Investing
counts during your retirement. • Volunteer activities — You might think that your volunteer activities during retirement won’t affect your finances much. But if you are particularly ambitious, and your volunteerism involves travel, renting space, purchasing equipment and so on, you might be looking at some large cash outlays. Furthermore, if you host people at your house, you may be incurring some types of liability risk, which you might need to address through appropriate insurance coverage. • Hobbies — During your working years, you may pursue your hobbies always with the thought that you can devote a lot more time to them after you retire. However, expanded hobby activities may involve expanded costs. For example, if you’re good with cars, you might decide to invest in that foreign sports car of which you’ve dreamed. Or, if you’re fascinated by genealogy, perhaps you’ll start traveling to places once inhabited by your ancestors. These types of activities can be expensive, so you’ll have to evaluate your sav-
ing, spending and investing habits to determine how to accommodate your increased expenditures on your hobbies. • Second career — Many people look forward to retiring from one career so they can start another — opening a small business, consulting or even taking a part-time job. Clearly, if you were to start your own business, some expenses would be involved, so you’ll have to plan for them. Even if you become a consultant or work part time, you could incur various costs, including travel. And, in relation to these types of work, you may also have insurance and health care issues to address. By identifying the various components of your retirement vision, and estimating their respective costs, you can make those saving, spending and investment choices that can help you work toward your retirement dream. This article was written by Edward Jones for use by your local advisor. Dennis W. Hopson is a financial advisor for Edward Jones Investments. You can reach him at 410-742-3264.
Leaving a 401(k) with a previous employer could mean leaving it alone with no one to watch over it. At Edward Jones, we can explain options for your 401(k) and help you select the one that’s best for you. If you’d like to roll it over to an Edward Jones Individual Retirement Account (IRA), we can help you do it without paying taxes or penalties. And you can feel confident that someone is looking out for you and your 401(k).
To find out why it makes sense to talk with Edward Jones about your 401(k) options, call or visit your local financial advisor today.
Dennis W. Hopson, CFP®, AAMS® Financial Advisor 1411 Wesley Drive Salisbury, MD 21801 410-742-3264
PAGE 10
Business Journal • February 2014
Economy showing signs of improvement Continued from page one
managing director at Wilmington Trust. “We need the Feds to step back and America to step up,” he began. “I am less pessimistic than I was at this time last year,” he continued, “but we are not seeing any change in people’s incomes. There has been modest growth for some businesses but not in labor. One of the reasons is the increased use of labor reducing robotics.” Kreicker pointed out that some American companies are pulling out of China and bringing their manufacturing back home, but they are doing it very selectively. He explained how Boeing held a big carrot out in front of several states when they considered moving out of Washington State and they finally selected South Carolina for their new plant. Other companies are doing the same. Primary concerns are a good labor force and being business friendly. He foresees good returns in the stock market for the next 7 years and 5% being the average interest on short term loans. He predicts America will reach energy independence, emerging markets will fuel growth through worldwide demand and baby boomers will prove to be more productive in their retirement than prior generations. He also stated that America needs a coherent immigration policy and an increased effort toward improved battery technology. Georgia Nichols, Donna Abbott, Mike Robbins and Justin Kelley comprised a panel addressing Business & Technology Trends. Justin Kelley is the president of Impact Technology Group. He opened his remarks by saying that IT is an enabler and with it business can take advantage of new technology, such as CLOUD, to reduce the need of purchasing hardware. Also, people want to work from home and be able to access data from everywhere. “What we are seeing is an Internet of things,” he said. “We now have Google glasses and watches, and in time everything will be on the Internet – your refrigerator, washing machine, etc.” When asked about broadband he said that its growth is a slow and tedious process but progress is being made. Georgia Nichols is the associate managing director for Integra Realty Resources in Salisbury. “The residential market is improving,” she said. “Prices are going up and inventories are reducing. We are also seeing the beginning of construction of some subdivisions, as well as apartment complexes.” She mentioned there are some small retail projects underway, particularly those close to Salisbury University. There is also a large construction project at Wallops Island. Mike Robbins is the senior vice president of financial policy for the Maryland Hospital Association. “Maryland is the only state to have an agreement with the Feds regarding Medicare and Medicaid payments,” he said. He continued that Maryland hospitals have agreed to limit increases in charges to patients to 3.6% annually. He mentioned that
hospitals are committed to reducing readmissions, to reduce the rate of complications and they are committed to doing a better job interacting with doctors and nurses. “Maryland currently has the highest rate of readmissions in the country and both the Federal and State agencies will monitor readmissions in an effort to determine the cause. He mentioned that hospitals strive to educate patients and insure that they will have proper care upon discharge.” The most spirited of the day’s panel was the one dealing with Regulatory Trends. The panel was comprised of Maryland Secretary of Agriculture Earl (Buddy) Hance, Kenneth Bounds and Matt Holloway. Secretary Hance opened the discussion by stating that prior to 1990 there were few restrictions on agriculture. When the Clean Water Act went into effect, regulations were imposed on farmers, and around 2007/2008 the EPA required the cessation of pollution to the Chesapeake Bay. “Our farmers are the best in the country,” he said. “They are planting about as much cover crop as can be planted and they should meet the EPA’s guidelines requirements of 2025.” Following Hance’s comments Kenneth Bounds, senior vice president & regulatory lending manager for MidAtlantic Farm Credit and Matt Holloway, president of the Wicomico County Council and a farmer, spoke about current regulations concerning phosphorous levels and regulations in Lower Shore soils. Bounds stated that the Phosphorous Management Tool (PMT), as proposed, is an example of the way dangerous regulation can influence the Shore’s poultry industry. He claimed the regulation was written with incomplete science to back up its conclusions and that it was being pushed through Annapolis by radical environmental groups. He pointed out that area farmers have already exceeded EPA’s expectations by 130%. Bounds feels that an economic impact study was not carried out, and that if the proposed PMT regulations are promulgated up to $750 million of agricultural loans will be at risk. Holloway stated that a high phos-
Sweetheart Tea at Poplar Hill
Friends of Poplar Hill Mansion present their annual Sweetheart Tea at 11:30 a.m. on Thursday, Feb. 13. My Dressing Room will present a Fashion show and Bling Ala Mode will have rhinestone jewelry for sale. Tea menu includes fruit cup, hearty soup, assorted tea sandwiches, homemade scones with jam and clotted cream, assorted sweets and Lady Gray tea. Cost is $22 per person and RSVPs are requested as this tea is a sell out event. To reserve, call 410-749-1776 or 5168 for information. All proceeds go toward the preservation of Poplar Hill Mansion, Salisbury’s oldest documented home.
phorous level, within the soil column, does not necessarily mean that the phosphorous will leach. He explained that many Lower Shore soils are heavy with aluminum, which binds the phosphorous to the soil colloids, making leaching an impossibility. The binding element also reduces the crop’s ability to uptake the nutrient. He recommends that in those areas with high phosphorous and aluminum levels that Humic Acid be used either on the soil or mixed with manure, to allow for crop uptake. He further explained that the use of Humic Acid will allow for the slow release of the phosphorous. Hance did not dispute any of the claims made by Bounds or Holloway. Rather, he congratulated Maryland’s farmers as being environmentally conscious and ahead of the curve when it comes to environmental regulations. He then said that he recognizes the efforts being made by Maryland’s farmers but when the EPA passes down regulation the State has no choice but to implement and enforce them, even if they are unnecessary. Bounds said he has found recently that some environmental groups will listen to the needs of the farmer and he has been able to arrive at a consensus with them on some issues. The biggest problem, however, is that some of the
groups resort to litigation without trying to learn the true impact of their proposed regulation. “Unfortunately,” he said, “many of these litigations are settled out of court, and in a sense regulations are produced without due process. Peter Franchot, comptroller for the State of Maryland, spoke on several issues. He began by apologizing to all Marylanders for the delay they are experiencing in receiving their income tax refunds this year. The problem, he said, is with the IRS, not Annapolis. He went on to talk at some length about the Maryland economy. “Across the U.S., Maryland is dead last in gross weekly earnings,” he said. “Wages are the same as they were in 2009 and we are in a no growth economy. Low and middle class citizens are hurting, we are experiencing low employment rates and our fragile consumer driven economy is facing rising costs.” He went on to say, “If we’re recovering, where are the jobs? It’s Wall Street that is prospering.” He emphasized that growth comes from the private sector – not from government and that social viability depends on fiscal viability. He closed by saying that Maryland’s greatest days lie ahead and that he is always available to offer assistance when needed.
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"60 Second Drill" Come to the "60 Second Drill" presented by Tony Nichols of BBSI Learn how to write and present your 60 second pitch...and practice it on the participants in the room before you leave! This is extremely helpful, especially for first time participants. FREE to paid "Connect for Success" Participants
Thursday, February 6, 2014 9:00am ‐ 11:00am Chamber Business Center ____________________________________
Vendor Tables Available
Connect For Success Wednesday, February 12, 2014
Presented By Salisbury Area Chamber of Commerce This program allows participants to connect with over 80 other business people over a 3 hour time period. Each participant is given one minute to pitch their business to nine people at their table and then it’s time to move on to the next group. An exciting and fun way to meet people and get your business noticed!
During
LIMIT OF ONE PARTICIPANT PER COMPANY!
Connect For Success!
Certain Exceptions May Apply - Call to Inquire
Booths will be set-up in the main presentation area. • Open to any business seeking another avenue for advertising • 8 ft. space with a 6 ft. table and two chairs (tablecloth provided) • Extensive advertising to members • Only $25.00 per table • Space is limited!
COST: $50.00 for Chamber Members, $75.00 for Non-Members
•
TIME: 7:30am - Registration & Continental Breakfast 8:30am - 11:30am - Program 12:00 - 1:30pm - Hot Buffet Lunch LOCATION: Wicomico Youth & Civic Center 500 Glen Avenue, Salisbury, MD
PLEASE PRINT
Will you be attending “60 Second Drill”? [ ] Yes [ ] No
Company Name: _______________________________________________ Phone: ___________________ Attendee Name: ________________________________________ E-mail: __________________________ PAYMENT INFORMATION (Please check one) _____ Check: _____Enclosed (or) _____Mailing separately (made payable to Salisbury Area Chamber of Commerce) _____ Credit Card:
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Call Cathie or Cindy regarding Availability or questions, 410-749-0144
Business Journal • February 2014
PAGE 12
Young Professional Heather Duma
SALISBURY AREA
By Al Higgins
CHAMBER OF COMMERCE
Kyle Edward Fine Jewelry
Rep: Kyle Bounds 1131 S. Salisbury Blvd., Ste. A-3 Salisbury, MD 21801 410-422-6465 kylebounds@gmail.com kyleedwardfinejewelry.com Serving the Salisbury Area, Delaware and the Eastern Shore of Virginia by providing fine custom jewelry and giftware. If you have an idea as a starting point, let them turn it into the piece of your dreams for any occasion.
Jake’s Wayback Burgers
Rep: Keith Brittingham 2300 N. Salisbury Blvd. Salisbury, MD 21801 443-944-9243 kab69cam@msn.com waybackburgers.com Jake’s Wayback is about serving fresh and delicious burgers and hand dipped milkshakes amidst a friendly atmosphere.
Serving the community fresh homemade pizza, wings, burgers, pasta, crab cakes and seafood. Also serving beer and wine.
Salisbury Zoological Park
Rep: Mary Seemann P.O. Box 2979 Salisbury, MD 21802 410-548-3188 410-860-0919 mseemann@ci.salisbury.md.us www.salisburyzoo.org The Salisbury Zoo was founded in 1954 when some animals were placed on permanent exhibition in the City Park. The Zoo now provides naturalistic enclosures for species native to North, Central and South America. The Salisbury Zoo is accredited by the Association of Zoos & Aquariums. There is no charge for admission and donations are accepted.
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Delmarva Veteran Builders
Rep: Christopher Eccleston P.O. Box 621 Salisbury, MD 21803 443-523-4398 410-749-7934 chris@delmarvaveteranbuilders.com delmarvavertanbuilders.com Based in Salisbury and committed to excellence in general contracting and construction management through the creation of job opportunities for local United States Armed Forces veterans.
Andy’s Place
Rep: Andy Fantis 925 Snow Hill Rd. Salisbury, MD 21804 443-736-4969 443-736-4972 nyyfan23@yahoo.com
Rep: Abrar Solatch 201 Kiley Dr. Salisbury, MD 21801 410-860-5123 410-860-2913 an34@aol.com www.trinitysterile.com Provides medical kits to hospital purchasing groups.
Sussex County Women’s Journal
Rep: Barbara Steele 20573 Lillies Way Lincoln, DE 19960 302-740-2149 barbarajretd@aol.com Published quarterly with a readership of 185,000, the Sussex County Woman’s Journal has the soul purpose of educating the public. The publication is available free of charge, by subscription and at display stands.
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Heather Duma is the next in our series highlighting young professionals in the area. Heather was born and raised in Parsonsburg. Following high school, she received her B.A. in English from UMES in 2008 and earned her M.A. from John Hopkins University in 2012, with a double major in communications and digital/political. With her school years behind her, Heather assumed the duties of Deputy Constituents Services Director for U.S. House of Representative member, Andy Harris. In that capacity she serves as the liaison between the federal and local governments for Representative Harris and his constituents. It is her responsibility to update the congressman on local issues. She is also responsible for planning all outreach events – of which there are six or so already planned for this year. Heather stressed that Congressman Harris’ office is where folks can come to get help when dealing with federal agencies. Within the Young Professionals organization, Heather serves as the chair of the networking committee. She is also a member of Emmanuel Wesleyan Church where she is a vocalist. Singing is a very important part of Heather’s life but she is also, as she says, “a social media geek!” She is an avid reader, loves to exercise, perform Do It Yourself projects within her home, and partake in online classes offered by such schools as Harvard, MIT and Berkley. She is currently taking a class on early Christianity called “Letters to Paul.”
Heather Duma
Young Professionals is a committee of the Salisbury Area Chamber of Commerce and one of the reasons Heather joined was to meet other young professionals. The three focus points for the Young Professional group are networking, community service and professional/personal development. Heather is active in all of these aspects and the interaction between members. Members get together on the 4th Thursday of every month, between 7:30 and 9 a.m., for what they call Coffee Connects. The Young Professionals is an active and important part of our local business world and it is people Like Heather who make it what it is today.
Membership Renewals
Salisbury Area Chamber of Commerce Shocking Solutions, Inc./AFLAC Allstate Insurance/Paulette Arnsparger Ameriprise Financial Anchorage Nursing & Rehabilitation Center Associated Builders & Contractors, Inc. Barton’s Grand Rental Station Bendler Realty Corp. Bennett Construction Co., Inc. Drs Branton and Jarrah, PA/The Med Spa Center for Women’s Health Chimes Clear Channel Radio Coastal Style Magazine J. David Collins & Associates Karen Davis/State Farm Insurance Delmarva Digital Delmarva Shredding & Recycling Express Employment Professionals Beth Gismondi/Allstate Insurance Co. Robbin W. Gray t/a Senior Planning Services Keller Williams Select Realtors of Salisbury LifeMatters - A Senior Living Company
McCrone, Inc. Nationwide Insurance/Bethany Miller Papa John’s Pizza Peninsula Pharmacy Pets ER PA Tom Prunty - State Farm Agent Robertson & Robertson, PA Salisbury Immediate Care and Injury Center Salisbury Junior Chamber of Commerce Salisbury School Salisbury University Foundation Shore Energy Systems Small Business & Technology Development Center – Eastern Region Sweet Serenity Chocolates Louise Smith Taylor’s Chicken & Ribs Terra Firma of Delmarva, Inc. Universal Mortgage & Finance Waste Management
Business Journal • February 2014
PAGE 13
From farm to table to Hollywood SHORE By Benjamin J. Alder Sperry Van Ness
Farming is finally getting traction in Hollywood in early 2014 with Director James Moll’s documentary film, Farmland. James Moll’s work has earned him an Oscar, two Emmys and a Grammy for documentary filmmaking. His films have included following the career of rock band Foo Fighters and a film about a daughter of a Nazi concentration camp commander. Clearly his broad range of experience and artistic abilities will yield an interesting look at today’s American farmer. Last month in my Acreage Blog, I suggested we take a measured approach or the “The Long Way Home” as we approach policy, regulations, and laws on farms going forward. There is much at stake for today’s American farmer and running these small businesses is a unique challenge. This film works to pull back the curtain on what life on the farm is like today. The farmlandfilm. com website describes the film as follows: “Most Americans have never stepped foot on a farm or ranch or even talked to the people who grow and raise the food we eat. Farmland will take an intimate look at the lives of farmers and ranches in their ‘20s, all of whom are now responsible for running their farming business.” Through this film from award-winning director James Moll, you’ll step
Land Report
inside the world of farming for a firsthand glimpse into the lives of young farmers and ranchers. Learn about their high-risk/high reward jobs and passion for a way of life that has been passed down from generation to generation, yet continues to evolve. Director James Moll traveled across the country meeting young farmers and ranchers. Watch the trailer to catch a glimpse of stories shared during his interviews. This film will be released this spring. Based on the trailer, this film will be both entertaining and informative and it will serve as another way to help tell the story of farming in America today. To this end, Sperry Van Ness Miller Commercial Real Estate has coordinated the First Annual Agricultural Forum which will be held on Friday, Jan. 31, at Black Diamond Lodge in Fruitland. Partners include Perdue Agribusiness, Hoober, Inc., Farmers and Planters, Paradise Energy, Miles and Stockbridge, Nelson Nationwide Agribusiness, PNC Bank, Delmarva Farm Management, and AH Pharma, Inc. Together, these partners are providing information for Ag producers and land-
owners on Delmarva. The key note speaker is Dan Manternach from Doane Advisory Services. Manternach brings more than 30 years of experience in consulting in the agricultural sector and will discuss factors shaping agricultural commodities in the US and how Delmarva fits into this picture. There will breakout sessions on a range of topics from estate planning to land use regulations. Call me at 443865-1344 or email ben.alder@svn.com for details and registration for the event. It is recognized that more of us live in urban areas than ever before in history and this trend is not going to change here in the US or globally. This divide in geography drives a divide in knowledge and understanding of the land, as well as practices that are used to bring food to our tables each day. Politically due to our electoral framework, it also creates a situation where the population centers drive policy and regulations for their rural neighbors. This is no more apparent than in Maryland as our policy makers are working to find a balance. I work each day with farmers young and old, and in my opinion there is no better collective group of people to work with in business. It is also clear that the average American doesn’t have a full understanding of the farming story and what it takes to run these businesses that underpin our economic stability both in Maryland and the nation. I think James Moll is on the right track. See you at the movies.
Women’s Business Conference
The MCE Women’s Business Center presents Women’s Business Conference on Friday, Feb. 21. This conference is for aspiring and current women business owners, non-profits and forward thinking professional women looking for networking and learning opportunities. Network and learn the best business practices from professional women. Topics include business loan funds for women, social marketing, the top three things to consider in commercial leases, building an annual marketing plan, changes in tax code for 2014 and more. The conference will be held at The Community Foundation, 1324 Belmont Ave., Ste. 401, Salisbury. Registration begins at 11:15 a.m. The networking luncheon is from 11:30 a.m. to 12:15 p.m. followed by workshops/seminars from 12:30 to 5. The $25 registration fee covers program materials and the networking luncheon. To pre-register or for more information, contact Lisa Twilley, MCE outreach coordinator, at 410-546-1900 or ltwilley@marylandcapital.org.
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Business Journal
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PAGE 14
Business Journal • February 2014
Journal Personnel File Village of Hope hires director
Jasmine C. Rogers is the new executive director at the Village of Hope in Salisbury. The Village’s board of directors unanimously approved Rogers’s appointment. Rogers has been with the Village as Rogers both an intern and an employee since 2010. Her most recent position was that of case manager. Rogers is a graduate of the University of Maryland Eastern Shore where she earned a dual degree in conjunction with the social work program at Salisbury University. She also holds a master of public administration degree from Ashford University. A native of Cambridge, Rogers resides in Salisbury.
Reinhart joins Allen & Shariff
M. Aaron Reinhart has joined Allen & Shariff Engineering in Salisbury, as an electrical project manager. Reinhart has over 27 years experience in commercial, industrial, educational, hospital and residential new construction and renovation projects. His responsibilities will include project management, assessments, designs, surveys, reports, and construction administration. He resides in Dover with his wife Tracie and their four children.
Hickman joins Flawless Transitions
Connie Lewes, president of Flawless Transitions, Inc., announces that Linn Hickman has joined the senior move management company where she will be responsible for business development and real estate sales strategies consulting. Hickman has an extensive background in real estate brokerage in both Bethany Beach, Del. and Salisbury. She achieved top sales awards, served as president of the
Sussex Association of Realtors, and was awarded Realtor of the Year for Sussex County twice. Most recently, she was sales manager of a retirement community where she gained experience in senior living transitions. Flawless Transitions Inc. is dedicated to helping older adults and families with the physical and emotional demands of rightsizing and relocation. For more information, contact Lewes at 443-523-5940, constance@flawlesstransitions.com or linn@flawlesstransitions.com.
Smoots joins board of directors
Kiesha Haughton Smoots, director of the Central Maryland Small Business and Technology Development Center (SBTDC), has joined the board of directors for Maryland Capital Enterprises, Inc., (MCE), a non-profit Smoots organization dedicated to helping small businesses and entrepreneurs succeed. “We are grateful to have Kiesha’s vast experience helping businesses in the Baltimore/Annapolis area,” said MCE’s CEO Joe Morse. “MCE and the SBTDC will continue to work closely together to assist entrepreneurs in this region and this addition will help us further build on that relationship to help area businesses.” Smoots was a founding member of the MCE Baltimore-Annapolis area advisory board, and will help MCE expand service in Baltimore City, as well as and Anne Arundel and Baltimore counties. Smoots has a BA and an MBA from the University of Maryland and an MA in global finance, trade and economic integration from the University of Denver.
Coach wins Jefferson Award
It was equipment turn in night for Antonio Morris, better known as “Coach Tony.” His Pop Warner Football team had just finished up the sea-
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son with a loss in their final play-off game but the night was young and the news wasn’t all bad that evening. Coach Tony was pleasantly surprised by a television crew from WBOC with news Coach Tony that he was one of 10 local 2014 Jefferson Award Winners. “I was surprised and very grateful,” said Morris. “But it’s not about me. It’s about my league.” Coach Tony volunteers his time as a coach and president of the Worcester County Pop Warner Football and Cheerleading program. He is the head coach of the Junior Pee Wee Team and vice president of the Henlopen Conference. As a football commissioner he helps oversee 13 other youth football associations. Coach Tony has been a delivery driver for Apple Discount Drugs for the last four years. He works for the Durable Medical Equipment department at Apple and delivers home health equipment to people’s homes across the Shore. “Tony exemplifies what Apple looks for in it’s co-workers - hard work, dedication and a passion for the community,” said Jeff Sherr, Apple Discount Drugs president.
Watson joins MCE
Maryland Capital Enterprises, Inc. (MCE) has announced the hiring of Bryan Watson as their new business consulting coordinator. Watson will be responsible for coordinating the various business assistance efforts of the small business development non-profit on the Eastern Shore and in the Baltimore-Annapolis area. He will also direct MCE’s Incubator Without Walls project. The new SBA Women’s Business Centers, being developed by MCE in Salisbury
and Baltimore, will operate under his division as well as other efforts to serve veterans, minorities, and the unemployed which are being developed. Watson joins MCE after serving as the assistant tourism manager for Wicomico County. In addition to working for MCE, Watson serves as the Delmarva chair for Vistage International and acts as an adjunct professor of Business and Sport Management for Southern New Hampshire University’s online degree program. A Salisbury University graduate with a bachelor’s degree in political science, Watson earned a master’s of science degree in sports administration from St. Thomas University in Miami and an MBA with concentrations in finance and accounting from Columbia University in New York.
RPS names account managers
Estelle Cummings, area vice-president of RPS ISG International, has announced the addition of two new employees to the staff of the insurance team at their office in Cambridge. Patty Wright and Amanda Wright Edgeworth join RPS ISG International as technology & cyber liability national account managers. Wright joins RPS ISG International after six years in commercial property insurance in Ocean City. She started her insurance career in 1984. Edgeworth Edgeworth transferred from North Carolina with a previous background of customer service with Verizon Wireless and, most recently, as an account liaison with insurance benefits provider, UNUM. She is pursuing her bachelor’s degree from the University of Maryland.
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Business Journal • February 2014
2013 United Way Holiday Ball raises over $60,000 United Way of the Lower Eastern Shore recently hosted the 11th annual Holiday Ball at the Hyatt Regency Chesapeake Bay Resort. Over 300 guests attended the 2013 sold out event and a record breaking $60,000 was raised to benefit United Way of the Lower Eastern Shore. Holiday Ball Committee co-chairs Kevin and Diane Hayes shared, “The 2013 United Way Holiday Ball was a great event. Raising over $60,000
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provides resources for our local United Way to continue helping the critical health, financial stability and educational needs of our Eastern Shore community. The Holiday Ball was a testament to the overwhelming support and generosity shown by our local community. We look forward to an even more successful 2014 Holiday Ball.” To learn more about United Way, visit www.unitedway4us.org or call 410-742-5143.
Holiday Ball Co-Chair Kevin Hayes, United Way Board President Ginny Reid-Matern and her husband Dr. Walter Matern
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Business Journal • February 2014
PAGE 17
Journal Financial
Young Millennials carry half the debt of older peers By Nicole Berger
PNC FINANCIAL SERVICES GROUP
Millennials are often lumped together, but the financial realities and habits of the 20-24-year-olds are very different from their older peers, according to the latest findings from PNC’s Financial Independence Survey. The second PNC Financial Independence Survey sought insights into the financial patterns and mindsets of 20-29-year-olds, comparing responses both within the age group and among those with and without higher education. Carrying Debt Differently Of respondents claiming to hold debt, the younger set carried just half ($17,100) that of their older peers ($35,600). Nearly one third of the younger set carried no debt whatsoever, compared to the older set, noticeably lighter at just one in five. Another key finding; among respondents with some level of college education, average reported debt came in at $31,800, a noteworthy 30 percent drop from $45,400 in
2011. “We are noticing that financial maturity in this generation has noticeably shifted,” said Allison Conick, manager at the PNC Nanticoke Road Branch. “Younger millennials just entered adulthood when the economy shifted downward and as a result, it’s clear they’ve become more cautious by avoiding debt.” Categories of debt also highly varied between the two groups. In the older set, debt amounts were reported at double, triple and quadruple that of their younger peers when it came to car loans, credit cards and mortgages, respectively. One category where both age groups fall in-step with one another is education; about 40 percent regardless of age claim to hold debt from student loans. Varied Saving Patterns While debt numbers are trending down, so is the number of millennials claiming to save, dropping 6 percent overall since PNC’s 2011 survey. Younger respondents however, are more likely to save (90 percent) than their
older peers (83 percent) and do so with a larger proportion of their annual income for short and long-term saving combined (59 percent) than the older set (52 percent). Starting 2014 Right Millennial goals are ambitious, but not un-attainable, when it comes to owned assets, careers and retirement. Based on survey results, credit scores and saving continue to stand out as categories where young adults are generally not taking action. There are simple actions millennials can take to start 2014 on the right foot, regardless of individual salary, that can put finances on a solid path to success in order to achieve said goals: Better Credit - Baby Steps: Having credit can boost scores, but make an effort to use cards lightly. Big balances can drive scores down, even if making payments on time. Also, carefully review your credit report and be sure to dispute significant errors. Home Ownership – Don’t Save Blindly: Having a real number in mind
maintains motivation and provides a way to measure ongoing progress. Research house prices you can afford and take 20% from that to pull a firm goal for your down-payment. Starting a Business – It’s Not Only About the Money: If you’re not financially ready to quit your day job, use time wisely now to research and write a solid business plan. This puts you ahead of the game once you’re ready. Retirement – Don’t Turn Down Free Money: Especially when contribution matching is available, start contributing at least the minimum amount each month to your employer’s 401K; the small percentage absent from paychecks will barely be noticeable. More in-depth financial advice can be found on PNC’s Achievement Sessions website at www.pnc.com/AchievementSessions. Consumers can learn to recognize money-related strengths and build financial savvy from our four financial bloggers who share their personal experiences on debt, spending, saving and budgeting.
Business Journal • February 2014
PAGE 18
Journal Financial
Teaching children about money is crucial By K. Jill Hall
Lincoln Financial Securities
Interestingly, the subject of how to handle money is something that many parents put off discussing with their children — often because their parents weren’t forthcoming about money, so it’s not a subject they are necessarily comfortable bringing up with their children. If you avoid discussing money management with your children, they will likely pick up lessons on how to handle money from the least appealing sources: the media, advertisers or friends — all of whom often make compelling pitches to young minds to overspend. Molding Behavior Fortunately, there are a number of ways that parents can teach their children to be thoughtful, deliberate and generous with the money they earn or are given. A good place to start is with
an allowance. The purpose of the allowance is to give your children practice at making decisions on how to handle money. When you first start giving an allowance, it’s a good idea to use that occasion to offer guidance about what are acceptable ways to use the funds. This is a good time to introduce “short” and “long” term goal setting. “We want to teach children to do four things with their allowance: spend, save, invest and donate. One way parents can reinforce these options is by giving their kids a piggy bank with four slots, one for each of the choices. The purpose is to help children think about their money options, rather than just rush out and spend as quickly as possible. This can help teach and reinforce the notion of delayed gratification. A Mindset of Giving As your children get older, it’s a good idea to incorporate financial
Teaching Our Children About Money
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goals into their savings efforts. It not only makes money management more fun, but it encourages kids to carefully consider the consequences of spending money. For instance, if you want your children to learn that it’s important to give back to the community, you may consider taking it even further and encouraging your kids to not only make donations, but also volunteer their time at some of the charities the family supports financially. Setting a Good Example While communication is critical when teaching children good spending and saving habits, parents should keep in mind that their own actions are equally important. Accordingly, parents should share their own financial values and goals with their children. For instance, tell them about your own goals, that you’re saving for their college education and your own retirement. Let them know that each week you take money from your paycheck and put it toward a college fund and 401(k) plan. If they start hearing these terms at a young age, they’ll remember them. It’s important to keep in mind that if we want our children to be good money managers, we have to model that behavior first. Postponing discussions about money
management doesn’t help your children, and can even hurt them in the long run. From an early age, children are constantly exposed to advertising that bombards them with the often persuasive message that the main purpose of having money is to spend it. Countering that siege is a task that should begin early – as soon as they are able to understand simple concepts. Starting a financial education early is critical. With very young children, you’re molding behavior. When you reach kids at the middle school or high school level, it’s much harder to change their attitudes and behavior, because at those stages kids are more influenced by their peers and societal pressure. About the author K. Jill Hall is a registered representative of Lincoln Financial Securities Corporation, member SIPC, offering insurance through Lincoln affiliates and other fine companies. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates. 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 created by Lincoln Financial Securities for its representatives and their clients.
Small businesses are facing more financial constraints Small businesses certainly face a wider range of financial problems than larger businesses. Many of the problems are caused by lack of revenue and cash flow. Limited access to capital is one of the major problems with starting and operating a business. Banks hesitate to lend to start-up businesses and prefer not to lend to businesses less than twoyears-old. Business owners find themselves having to rely on family, credit cards, loan sharks, supplier financing, etc. Or, businesses will just try operating under capitalized. It is advised that businesses have a plan and plan to have enough cash flow to weather slow start-up, emergencies, and slow times. Finding the cash is the
challenge. Knowing the resources available in your community for your business is crucial to success. Many of these services are free and can help ease the stress that impacts many small businesses. Maryland Capital Enterprises (MCE) is one such resource on the Shore. MCE provides consulting, mentoring, training, and micro and small business loans for start-up and existing businesses on the Eastern Shore, Baltimore City, and both Baltimore and Anne Arundel counties. The loan rates are much more reasonable than the alternative. For more information, call 410-546-1900 or visit marylandcapital. org.
Business Journal • February 2014
PAGE 19
SCORE helps small businesses succeed SCORE (a resource partner of the US Small Business Administration) is America’s premier small business mentoring organization. SCORE is a volunteer, nonprofit entity dedicated to the formation, growth, and success of small businesses nationwide. It provides confidential, free advice, business counsel, and mentoring to the existing and emerging small business entrepreneurial community. Small business success comes from a combination of hard work and risk taking. However, one does not have to take these risks alone. SCORE, established in 1964, is represented by 364 chapters across the United States encompassing more than 13,500 volunteer business experts that provide in-depth resources and executive management support to all parties interested in establishing a small business, growing a small business, or enhancing overall business operations. For a more regionalized focus, SCORE established a Mid-Shore chapter (Chapter 626) to serve the counties of Caroline, Dorchester, Talbot, Wicomico, and Worcester with its vision to be recognized as the preeminent volunteer small business mentoring and counseling organization across the Midand Lower-Shore of Maryland.
In support of this vision, Chapter 626 is focused on growing, strengthening, and diversifying its volunteer base across all five counties; building its presence among the small business community as well as educating the mid-to-large business market about SCORE’s volunteer role in the region; and, to provide general business advice to novice business owners as well as specific support to those more seasoned. As a SCORE Mid-Shore Chapter 626 volunteer, you: • provide leadership to the business community • gain recognition and respect as a business mentor • enjoy the satisfaction of contributing to the success of others • share in a great experience with other SCORE volunteers • grow professionally and personally • participate in lifelong learning. Together, let’s contribute to the success of small businesses and continue to grow America’s economy. To become a volunteer mentor or to request small business counseling, contact: John C. Franke, chairman, SCORE Mid-Shore Chapter 626, 101 Marlboro Ave., Ste. 53, Easton, MD 21601, 410822-4653, www.score.org.
The Salisbury Jaycees Foundation would like to say
Thank You!
On December 7th, 2013, the Salisbury Jaycees and the Salisbury Jaycees Foundation held our Annual Children’s Shopping Tour, treating local underprivileged children to a Christmas shopping spree at Walmart in Salisbury. This project was made possible by the generous donations of the following local businesses, organizations and individuals. Special Thanks to Draper Holdings Charitable Foundation, Walmart, Wicomico County Sherriff’s Office, Wicomico County Board of Education, Shore Appliance Connection, Yahweh Bus Service, and Salisbury Baptist Temple.
Patron Saints
Draper Holdings Charitable Foundation
WalMart Corporation
Bless Our Children Campaign
Salisbury, MD
Rommel Electric Company Salisbury, MD
Guardian Angels Chesapeake Shipbuilding Corporation Paul & Wanda Ferrier Rob and Stacy Hart
The Joyce Benjamin Youth Fund Tony Tank Tribe of Red Men Lodge #149
Good Samaritans
AHPharma, Inc Azar-Filipov MD, P.A. Bill and Susan Satterfield Charles Brenner, DDS Charles R. & Ruby Dashiell Community Pharmacy Cooper Insurance Agency Inc Courtesy Chevrolet David & Melanie Smith Duane Larmore Ennis Plumbing & HVAC, Inc. Fraternal Order of Police, Law Officers of Wicomico George T. and Valerie A. Mason Gillis Gilkerson Inc. Ginnie Malone Realty P.A. Hebron Savings Bank Holt Paper & Chemical Company In Focus Financial Advisors Insurance Women’s Association of the Eastern Shore Johnson-McKee Animal Hospital Landmark Insurance Company Lifetime Masonry Barkley Associates, LLC Charles Brown Glass Company David B. and Lynn C. Douse Herl’s Bath & Tile Solutions
Louise Smith Market Street Inn, LTD. Martin Neat Mid-Atlantic Heating & Air Cond., Inc. MoJo Management, LTD. Patrick and Nancy Lemley Peninsula Home Care Personal Wellness Center, LLC. Pool Tech, Inc. PRO Coat, LLC. Rick Dawson DDS, LLC. Robert & Diana Dickey Robert A. Eaton Robertson & Robertson Salisbury Elks Lodge B.P.O.E. # 817 Salisbury Fraternal Order of Eagles 4503, Inc. Shore Appliance Connection, Inc. Southern Boys Concepts Susanne Morris The Shannahan Water Company Inc. Thomas & Susan Robinson Tom Robinson Tri-State Engineering of Maryland
Friends
Howard and Ruth Hammond J. William Gordy James M. Crouse, DDS PA Werner L. Gruber
Reflects Donations Received as of December 31, 2013
The Salisbury Jaycees Foundation
The Salisbury Jaycees Foundation, Inc. was Our Board of Directors formed in 1975. Its primary purpose was to Brenda Price, President assist the Salisbury Jaycees with fundraising -------------------------------for their annual Children’s Shopping tour. Duane Larmore, Vice President Over the years, thanks to the support of Melanie B Smith, Treasurer our generous sponsors, the foundation David Smith, CTO continues to make an important impact in Jim Carpenter, Board Member our community. Pete Hughes, Board Member For more information about the foundation Jay Pepper, Board Member and its mission visit us online at Jack Trader, Board Member www.SBYJCFOUNDATION.org Jim Farwell, Board Member
Business Journal • February 2014
PAGE 20
Journal Financial
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Business Journal • February 2014
PAGE 21
Wells Fargo name stands for reliability, integrity and pioneering innovations For more than 160 years, the Wells Fargo name has stood for reliability, integrity and pioneering innovations that help people manage their money and grow their assets. That’s been true in good and bad economic times and it speaks loudly to our commitment to doing right by our customers. Today, Wells Fargo Home Mortgage is one of the nation’s leading retail mortgage lenders and we are dedicated to helping you reach your personal goals through homeownership. If you’re thinking about purchasing a home or refinancing your current home – we can help, especially if you’re wondering how much home you may be able to purchase at today’s interest rates. We know your
time is valuable and we’ll make sure none of it is wasted. Wells Fargo Home Mortgage has a team of mortgage consultants dedicated to serving the needs of your community. Whether you’re looking to buy your first home, a second home or an investment property, we will listen to your goals and provide you with information so you can choose the home financing option that fits your current needs and future goals. You may benefit from: • A wide selection of conventional loan programs • Fixed-and adjustable-rate mortgages (ARM) • Renovation loans • New construction loans
• Home equity loans As your local Wells Fargo Home Mortgage, we’re always ready to listen to your homeownership goals and provide you with information to help you find a home financing option to meet your unique needs. You can feel confident that we’ll work with you throughout the loan process. From application to closing – and beyond, we’re here to help you reach your home financing goals.
Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. All rights reserved. Equal Housing Lender. NMLSR ID 399801. AS1004624 Expires 3/2014
Put the strength and stability of a well-established lender to work for you Finance your home purchase with Wells Fargo Home Mortgage
Expect us to work closely with you to explore and explain options for your budget and goals.
Rely on our commitment to helping as many customers as possible enjoy the benefits of homeownership.
Know we work hard to help customers stay in their homes in times of financial difficulty.
Shop With Reassurance Make a standout bid on the home you want and ease uncertainty with our solid PriorityBuyer® preapproval.1
Contact Wells Fargo Home Mortgage today. Wells Fargo Home Mortgage 1000 E. Main Street, Suite 301 Salisbury, MD 21804 Office: 410-845-4901 1 A PriorityBuyer® preapproval is based on our preliminary review of credit information only and is not a commitment to lend. We will be able to offer a loan commitment upon verification of application information, satisfying all underwriting requirements and conditions, and providing an acceptable property, appraisal, and title report. Preapprovals are subject to change or cancellation if a requested loan no longer meets applicable regulatory requirements. Preapprovals are not available on all products. See a home mortgage consultant for details. Wells Fargo Home Mortgage is a division of Wells Fargo Bank, N.A. ©2013 Wells Fargo Bank, N.A. All rights reserved. NMSLR ID 399801. AS1004353 Expires 2/2014
PAGE 22
Business Journal • February 2014
Journal Financial
Shore Bank launches new product suite Shore Bank recently introduced a new suite of banking products designed specifically for today’s professionals such as attorneys, accountants, or medical practitioners. The “Professional Advantage” package meets the specific needs of the professional with hand-picked products and services that can improve cash flow, profitability, productivity and efficiencies for sole practitioners or small- to mid-size service providers. The bundle of financial services includes commercial mortgages and operating lines of credit with very competitive rates. Additional credit options for equipment financing are also offered as part of the package.
Supporting the credit facilities are deposit products such as business checking and investment sweep accounts that work in conjunction with operating lines of credit. The cash management needs of the professional can be met with Shore Bank’s free online business banking, free online Business Bill Pay and our Remote Deposit Capture product. Remote Deposit Capture allows professional service providers to deposit checks right from their office – no need to send staff to the bank – saving time and money. At Shore Bank, we make it our business to get to know yours and stand ready to help today’s professionals meet their financial challenges. We are
dedicated to understanding the nature of your practice and selecting the right professional banking products and services as well as partnering with you to help you reach your business goals. Shore Bank is a full service community bank with six branches located from Cape Charles, Va. to Salisbury. Shore Bank also has Loan Production offices in West Ocean City and Rehoboth, Del. For more information about Shore Bank, visit www.shorebank.com. Contact Doug Cook at 410-213-1175 or dougcook@shorebank.com or Merry Stimis at 410-543-2600 or merrystimis@ shorebank.com, to get started building your Professional Advantage bundle today.
Business Journal • February 2014
PAGE 23
Journal Financial
Pay yourself first is golden rule of investing Pay yourself first I know, you’re probably saying to yourself “get in line.” After all the bills, taxes, daycare, tuition, etc., that we pay each month there’s usually more month left after the paycheck. So, how in the world will I be able to “pay myself first?” It’s actually much easier than you think, especially if you have a retirement plan available to you via your employer. One of the golden rules of investing is paying yourself first through systematic investing. Payroll withdrawals are the most efficient way to start. In other words, the money gets taken out of your paycheck – and into your retirement savings – before you get the chance to spend it. And in most cases, the money comes out before it is taxed, making your paycheck go a just a little further, since less of it is taxed. It sounds simple enough, but you would be surprised how many people don’t do it. The easiest way to do this is by actively participating in your employer’s
retirement plan. These come in many forms and can be called different things, but they are all effectively the same in principal: they offer you a way to save for your retirement, allow those savings to grow tax-deferred (tax-free for Roth contributions), and some employers even match your contributions up to a certain amount (usually 3%). Even if your employer does not match your contributions, it is still a good idea to participate. I cringe when I hear my clients say that they don’t participate because there is no match. It’s the habit of systematic saving that’s important; not how generous your employer is that counts. It involves an easy two step process: you tell your HR person to withhold a pre-set amount (either as a percent of your pay or a dollar amount) and choose from a list of investments available in your plan. There will be a little bit of paperwork to fill out, but it is quick and painless. If it is a 401k or 403b, there will be a default fund available based on your age, so picking a fund will not
be immediately important, as you can always change it later. For smaller plans (SEP-IRAs, SIMPLE’s), you will need to pick the funds on your own or consult with the advisor of the plan. When you pick an investment, keep in mind your tolerance for risk, your time horizon and your investment goals, i.e. how much you will need. Start small and slowly increase your contributions anytime you can (at least annually). The goal is to eventually get to 10% or more – or even get to the maximum (currently between $17,500 and $23,000 for 401k/403b – depending on your age). Some plans offer an automatic escalation feature, that let you increase your contribution by a preset amount each year to help you save even more. If you start now, and pay yourself first, you will be off to a safe and happy retirement. If by chance you do not have a plan at work, ask your boss if he/she will consider one. Some plans require little or no tax reporting (outside of normal
payroll) and the costs are minimal. If they have questions or concerns, any financial advisor can guide them and offer them a plan best suited for their company. Or, call me and I can send you a list of available plans that fit your sized business. So, no matter what type of plan your company offers – and whether your employer matches your contribution or not – paying yourself first will be the best thing you can do to save for your retirement. Securities offered through Capitol Securities Management, Inc. Member FINRA/SIPC. This information is provided solely for informational purposes. This information, while believed to be accurate, has not been verified or confirmed. Please consult your tax advisor before making any tax related decisions based on this information. Capitol Securities Management Inc. is not responsible for this information.
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Business Journal • February 2014
PAGE 24
Journal Health Apple Drugs named finalist in program Apple Discount Drugs has been recognized with a “Certificate of Achievement” for outstanding success with the FLAVORx program. Apple was honored for its commitment to improving patient care and commitment to developing the pharmacy business as a runner-up finalist in the 2013 FLAVORx Independent Pharmacy of the Year Award contest. FLAVORx can be used with thou-
sands of liquid medications. FLAVORx flavors are sugar-free, dye-free and nonallergenic. For more information on the Flavor RX program, visit www.appledrugs. com.
PRMC Bariatric surgeons recognized Peninsula Regional Medical Center (PRMC) and its bariatric surgeons have been accredited, for a third consecutive three-year cycle, as an American Soci-
ety for Metabolic and Bariatric Surgery (ASMBS) Bariatric Surgery Center of Excellence. The designation recognizes surgical programs with a demonstrated track record of favorable outcomes in bariatric surgery. Peninsula Regional Medical Center offers patients on the Delmarva Peninsula bariatric procedures like the gastric sleeve, gastric bypass and laparoscopic banding. The program accredits inpatient and outpatient bariatric surgery centers in the United States and Canada that have undergone an independent, voluntary, and rigorous peer evaluation in accordance with nationally recognized bariatric surgical standards. To learn more about bariatric services at Peninsula Regional Medical Center, visit www.peninsula.org.
‘Look Good… Feel Better’ The Richard A. Henson Cancer Institute at Peninsula Regional Medical Center is offering the “Look Good… Feel
Robin Morrison, RN, and Dave Stroud, RN, are honored for their work in Peninsula Regional Medical Center’s Emergency Department.
Two nurses receive recognition Teamwork is critical in a hospital setting, and nowhere is that more clear than in Peninsula Regional Medical Center’s Emergency Department, which handles 90,000 patient visits every year. And when the patient is just 6 days old, that teamwork, along with clinical skill and compassion, must be truly exceptional. That’s why Peninsula Regional was pleased to honor two registered nurses from the Emergency Department with the DAISY Award for Extraordinary Nurses, based on a nomination from a family member of that tiny, vulnerable patient. It all started when the infant was diagnosed with a serious, life-threatening condition in the Emergency Department. “Robin was the nurse that had the task of starting medications that are rarely used, as well as assisting the neonatologist with placement of a central
line,” the baby’s aunt said. “She was very professional and compassionate with her care. Dave Stroud took over for her at 7 p.m. Dave was very calm and took great care of the baby as her parents waited for the team from Children’s National Medical Center to get to PRMC. He not only took care of the patient but provided exceptional service by taking care of our family as well. Dave made the infant’s mother feel relaxed and at ease. They both did an excellent job.” Nurses selected to receive the DAISY Award are honored in a ceremony before their colleagues, receiving a certificate commending her or him for being an “Extraordinary Nurse.” The honoree is also given a sculpture called A Healer’s Touch, hand-carved by artists of the Shona Tribe in Zimbabwe. To nominate a nurse, visit www.peninsula.org/DaisyAward.
Better” program, a free, nationwide program dedicated to teaching female cancer patients beauty techniques to help restore their appearance and self-image while undergoing cancer treatment. Certified “Look Good… Feel Better” cosmetologists will facilitate the two hour hands-on workshops. They will provide personalized make-over tips and nail care techniques. Participants use and take home complimentary cosmetic kits in their appropriate skin tone with helpful instruction booklets, and professional advice is provided on wigs, scarves and accessories. The workshops will be offered at the Richard A. Henson Cancer Institute’s Cancer Support Services office located on 560 Riverside Dr., Building A, Ste. 106, Salisbury, MD 21801 on the following days and times: • Wednesday, March 12, 6 p.m.; • Wednesday, May 7, 10 a.m.; • Wednesday, Sept. 10, 10 a.m.; • Wednesday, Nov. 24, 6 p.m. For more information or to pre-register for a workshop, call 410-546-7006.
Business Journal • February 2014
Killian to serve as interim dean Dennis Killian, pharmacy director at Salisbury’s Peninsula Regional Medical Center, has accepted an offer from the University of Maryland Eastern Shore to be inKillian terim dean of its pharmacy school. He replaces Nicholas R. Blanchard, who resigned to become dean of pharmacy at West Coast University in Los Angeles. Killian, who in addition to his job at PRMC is a UMES professor, will continue to hold positions at both institutions while UMES conducts a national search for a new dean. Killian’s appointment as interim dean underscores the cooperation between the university and PRMC, a leader in providing requisite field experience training required of pharmacy students. That collaborative relationship was an important factor in UMES’ pharmacy program earning national accreditation in June 2013 just a month after its inaugural class graduated.
Annual Career Day is March 19 The Salisbury Area Chamber of Commerce Young Professionals Committee in partnership with the Wicomico County Board of Education, and Salisbury University is organizing the 7th Annual Career Day for all Wicomico County high school freshmen. The event will be held at Salisbury University on Wednesday, March 19 and will include presentations from a wide variety of professions for students to learn about. Students will select four career presentations of their choice from nearly 40 different career tracks, allowing them to explore different career options. We are currently looking for presenters from all fields to introduce students to the many opportunities available after graduation. We need your help to make this a success. As a volunteer presenter, you will be asked to share your experience and knowledge related to your career area - how you got here, what is involved, a typical day, educational requirements tips and lessons learned. Each presenter will be given their own classroom with audio/visual capability and classes will have a maximum of 30 students per session for 20 minutes. There is a morning schedule and LifeMatters™ is recognized and approved by the Maryland Dept. of Health and Mental Hygiene Office of Quality Care as a licensed Residential Service Agency.
LifeMatters™ works with you and your family to provide solutions to your personal care needs for you or a loved one. We offer a host ofservices – from light housekeeping & meal preparation to total care assistance – customizing our service to our CLIENT’S needs and their family’s desires for their loved one to empower independent living and to improve a better quality of life. We provide you with “PEACE OF MIND” and do so with great pride and a commitment to our clients being comfortable and happy!
Additional Services:
◊ Companionship ◊ Medication Reminders ◊ Laundry & Linens ◊ Errands & Transportation ◊ Bathing & Dressing Assistance ◊ Ambulation Assistance ◊ Alzheimer’s Care & Assistance ◊ 24/7 Care & Hourly Assistance All LifeMatters professional caregivers are fully screened, insured, and bonded Call us to arrange a client assessment today:
(410) 341-0600 Salisbury ◊ www.pinnaclehq.com
an afternoon schedule, each with four periods. If you are interested or would like more information, contact Sophia Smecker at the Chamber at 410-7490144 or by email at sacc@salisburyarea. com. Sponsorship opportunities are also available and range from $100 to $500. Contact the Chamber for more information. Please share this information with your friends and colleagues. Thank you for preparing the next generation by sharing your experiences.
Help for heating, electric bills
SHORE UP! Inc. is accepting applications from persons who need help paying their home heating bills and electric bills. Residents of either Somerset, Wicomico or Worcester counties who meet state income guidelines may qualify for assistance. To receive help, an individual must complete an Energy Assistance application and provide supporting documentation. Anyone who has already mailed in an application for assistance this year (July 1, 2013 - May 31, 2014) should not do so again. For details contact SHORE UP! at 410-341-9634 or 410-749-1142 or visit www.shoreup.org.
PAGE 25
Training program for farmers
The Salisbury Area Chamber of Commerce Foundation and the University of Maryland Extension have combined their technical expertise to offer “Farming – Pencil to Plow,” an eight week entrepreneurial training course designed for aspiring small farmers and those producers interested in diversifying their operation. The course will be offered Feb. 24, 2014 through April 7, 2014. Class will meet each Monday of the week from 6 to 9 p.m., with graduation on April 10. Participants who complete this training course will have a prepared business plan to present to potential lending sources and a certificate of completion issued by NxLevel a nationally recognized entrepreneurship training provider. For more information on the course, contact Joe Giordano, executive director, Salisbury Area Chamber of Commerce Foundation, at 410-860 6664 or joe.giordano@saccfoundation.org. This program is being sponsored by The Eastern Shore Entrepreneurship Center, Beginning Farmer Success, MidAtlantic Farm Credit, and The Farmers Bank of Willards.
Business Journal • February 2014
PAGE 26
Journal Education Wor-Wic Community College recently welcomed Megan H. Smith of Salisbury as assistant director of accounting. Prior to taking this position, she worked at PKS & Megan Smith Company for 12 years. Smith is a certified public accountant. She received her bachelor’s degree in accounting and her master’s degree in business administration from Salisbury University.
Farm classes for women
The University of Maryland and Delaware Cooperative Extension will conduct Annie’s Project program during the winter of 2014 at six sites in Maryland including the Lower Shore. Annie’s Project focuses on the many aspects of farm management and is designed to empower women in overall farm decision making and to build local networks throughout the state. The target audience is women with a passion for business, agriculture and involvement in the farm operation. Topics for the sessions cover the five areas of risk management – production, marketing, financial, legal risk, human resources with two classes focused on using computers. This course is open to anyone interested in being involved with farming – big or small. The course will be 8 sessions held on Thursdays, 6 to 9 p.m., through March 13, at WorWic Community College in Salisbury. For more information, visit www. extension.umd.edu/annies-project or call 410-758-0166.
SU receives national grant
Thanks to a National Science Foundation grant, Salisbury University
students and faculty have a new tool to measure light intensity in their research on worms, plants, fish, and other subjects. Dr. Patti Erickson of SU’s Biological Sciences Department, in partnership with Dr. Les Erickson, who also teaches in the department, received a $48,915 major research instrumentation award from NSF to purchase a multi-mode plate reader which rapidly measures the intensity of light absorbed or emitted by samples. “In addition to enhancing the research productivity of faculty, the reader will allow us to better train our students who are becoming the next generation of scientists,” Patti Erickson said. Undergraduate and graduate students will use it to collect and analyze data.
SU establishes dental association
Salisbury University has established the first Undergraduate Student National Dental Association (USNDA) in Maryland. With 10 initial members, the new Registered Student Organization was designated an official chapter and approved at a Student Government Association meeting last fall. “USNDA members will have the opportunity to hear from admissions recruiters and currently-practicing dentists (general and specialist), shadow local dentists and gain insight from current dental students from the University of Maryland School of Dentistry – the only dental school in the state – as to how to adequately prepare to enter dental school via mentorship,” Donaldson said. “Although it is important to have good GPA and DAT scores, it is just as important to show commitment to the field, and I think USNDA will provide that outlet for students,” she said. For more information on the USNDA, contact Donaldson at kd72606@ gulls.salisbury.edu.
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FACULTY HONORED - This year’s Salisbury University Alumni Association Faculty Appreciation Award winners are “compassionate,” “influential” and “inspiring,” according to their former students. The SU Alumni Association honored four with the accolade during SU’s recent 88th-year Winter Commencement. They include Robert Smith of the Charles R. and Martha N. Fulton School of Liberal Arts, Dr. Kimberly Hunter of the Richard A. Henson School of Science and Technology, Dr. Jill CavigliaHarris of the Franklin P. Perdue School of Business and Dr. Starlin Weaver of the Samuel W. and Marilyn C. Seidel School of Education and Professional Studies. Pictured from left: Jayme Block, Dr. Jill Caviglia-Harris, Robert Smith, Dr. Kimberly Hunter and Dr. Starlin Weaver.
CONTINUING EDUCATION
Smith joins Wor-Wic
Start Here...Go Anywhere! Prepare for a new position or gain the skills to take your career to the next level by taking non-credit courses offered by Wor-Wic Community College. Classes are starting soon in: Business & Leadership Child Care Computers & Technology Floristry & Landscaping Health & Safety Hospitality & Culinary Industry, Trades & Manufacturing Personal Enrichment Real Estate & Insurance Transportation Veterinary Assistant Continuing Education & Workforce Development www.worwic.edu (410) 334-2815
Business Journal •BusinessJournal_1-14_Layout1 February 2014
‘Q and A’ with the new city
business development specialist Laura Kordzikowski has joined the City of Salisbury’s administration team in the newly created position, business development specialist. Kordzikowski, a Laura graduate of Salisbury Kordzikowski University, brings experience in marketing, communications and real estate. Kordzikowski discussed her new role with Director of Media and PR, Sophia Smecker.
sistance. Depending on the type of business or development, I’ve found that there are always several different routes of opportunity that can be pursued. We are actively looking at any grant and funding opportunities we can apply for and offer to business starters and developers. There are also a great number of local organizations that can help with the business planning and funding process that we can put people in touch with.
Since this is a new position for the City of Salisbury, what should members of the business community know about what you are working on?
My goal is to continue to aid in the downtown revitalization process and to support the great network of champions that are already working to make this a reality. Ideally, I would love to be a point of contact to help simplify the business and development processes and become a champion for the investors that are taking initiative to open a business within City limits. If you are interested in opening a business in the City of Salisbury, contact Laura Kordzikowski at LKordzikowski@citylivingsalisbury. com or 410-677-1915.
This is a great position and already I have been able to work on a number of great projects. One of my initial projects was working with the Chamber and a committee composed of public and private representatives with the goal of streamlining development processes. In that respect, I am working on highlighting the City of Salisbury as a great place to do business. Additionally, I would love to be the point of contact for new business starters to help guide them through the City’s processes; as well as being a point of contact for existing businesses to work with local leaders on existing issues. I am acting as the manager for the Main Street Maryland program, as issued by the State of Maryland. In this role, I will be working to strengthen the economic potential of our Downtown area by attracting and retaining businesses. What are some initiatives that the City of Salisbury is working on to facilitate business development? The City is actively marketing the available business resources that we offer. These include our enterprise zone designation, revolving loan program, reduction of capacity fees, and process as-
What are your goals as a Business Development Specialist for the City?
‘A Night in the Stacks’ fundraiser
Join the Friends of Wicomico Public Library for “A Night in the Stacks” Chocolates, Champagne & Classics at 6:30 p.m. on Friday, Feb. 28. The evening will feature live classical music by Kara Dahl Russel and the Salisbury String Trio, gourmet chocolates created by Wor-Wic Culinary School graduates, a glass of champagne, light hors d’oeuvres catered by Black Diamond and a silent auction. Tickets are $35 a person, $60 per couple and can be purchased at any Wicomico Public Library branch or through online registration. Active Friends of the Library members who present their membership card will receive a complimentary signature cocktail.
Math and Science Tutoring:
I offer in-person math and science tutoring for high school and college students in Salisbury, MD and online tutoring from anywhere: chemanimation.com/ other_chem_links. My in-person tutoring fee is $20/hr. Contact me, Dr. Mitchell, by e-mail at miguelmitchell@ chemanimation.com or by phone at 410-422-2695.
1/17/14 10:32 AM Page 1
PAGE 27
Ratcliffe Gift Provides Business Opportunities By William Burke Entrepreneurship Competition Coordinator, Franklin P. Perdue School of Business Salisbury University recently welcomed Bernstein Business Plan Competition alumni Ryan Chacon and Tim McFadden as participants in the first round of the Philip E. and Carole R. Ratcliffe Foundation Shore Hatchery program.This $1 million, five-year initiative assists entrepreneurs and helps them create new jobs in the community. Fundraising technology and newly developed versatile light bulbs will be the focus of the next business ventures for Chacon and McFadden. Money and mentors will help these entrepreneurs take their ideas to the next level. In 2005, Tim McFadden, then an SU student, won $5,000 in SU’s Bernstein competition to open a glassblowing studio in his hometown of Baltimore. In 2010, Chacon also won $5,000 in the Bernstein competition. Last year, he and his business partner, Ben Bunk, received $40,000 from South American business accelerator Start-Up Chile to develop a social e-commerce platform. Their two newest ventures have been awarded a combined $75,000. For McFadden, that meant ramping up production of a product he and business partner Aric Wanveer created through their Zero Gravity Creations studio: the Permabulb. The twist on the traditional light bulb fuses a decorative bulb to a metal cover with an LED inside, using a patent-pending process they call Magmabond. The air-tight, water-tight result makes the bulbs more versatile than their traditional counterparts. The duo hoped to use the $25,000 it received through SU’s Ratcliffe Shore Hatchery initiative as seed funding to hire new employees, increase production capacity and market the Permabulb. Since receiving the Start-Up Chile award in 2013, Chacon and Bunk have shifted their focus from e-commerce to the needs of non-profit organizations. Their product, BakeSale, still in development, would provide an online fundraising platform. The judges awarded $50,000 to the venture. Although some of the other finalists did not receive funding in this round, they have been assigned seasoned mentors to guide them through the growth of their ventures. Sherwood of Salisbury President and CEO Bruce Rogers, who is one of Chacon and Bunk’s mentors, is a believer in their concept.
“One of my philosophies in business is giving back to non-profit organizations,” he said. “BakeSale will help us do that.” He added that he hoped the mentoring partnerships will work both ways. While offering business advice to BakeSale’s principals, he expects to learn more about using digital technologies in his business. Seacrets Jamaica USA owner Leighton Moore, who also is mentoring Chacon and Bunk, agreed: “They’re going to learn from someone who has started businesses, what the machinations are and hopefully avoid the pitfalls that I have made,” he said, adding that helping the startup, in turn, would allow him to see parts of the business world through fresh eyes. The Permabulb and BakeSale were selected from seven presentations. Participants shared their ideas in a Shark Tank-style pitch session for a roomful of judges that included business leaders and Ratcliffe Shore Hatchery board of directors members. Three finalists were chosen to make more in-depth presentations that afternoon. Dr. Bob Wood, dean of SU’s Franklin P. Perdue School of Business, encouraged those who were not funded to persevere, to take what they learned and try again. As the event was ending, a number of the young entrepreneurs were busy securing their first meetings with their mentors, hoping to tap into a wealth of experience and wisdom before returning in the spring to the second round of the funding process. The Ratcliffe Shore Hatchery program is administered through SU’s Perdue School. According to Dr. Wood, the $1 million represents the largest gift given by the Baltimore-based foundation to date. Its goal: to fund entrepreneurs and have new businesses opening within six months, with the potential of employing five or more within a year. The next round of competition is scheduled this spring, with a potential $125,000 in seed funding available. Applications are due Friday, March 28, with presentations scheduled Friday, May 9. For application materials and more information, e-mail shorehatchery@salisbury.edu. We look forward to hearing from — and helping — the entrepreneurs of tomorrow.
www.salisbury.edu
Business Journal • February 2014
PAGE 28
Broadway returns to Delmarva December 2013 DIRECTORY PG 2
This winter, Broadway in Salisbury has announced its return to Salisbury’s Wicomico Youth & Civic Center (WY&CC). The series’ seventh season includes two smash direct-from-Broadway hits: Rock of Ages and Rain: A Tribute to the Beatles. Broadway in Salisbury has confirmed its commitment to bring the arts to Delmarva for the foreseeable future by offering a local Broadway series
Name
for years to come. This commitment is made possible through the local support of Wicomico County and its Youth & Civic Center. The 2014 season is ushered in with Rock of Ages on Feb. 18. The Tony nominated musical was called, “Broadway Gold!” by Spin magazine. Rock of Ages tells the story of Drew, a boy from South Detroit and Sherrie, a small-town girl, both in L.A., as they chase their
dreams of making it big and falling in love. Rock of Ages takes you back to the times of big bands with big egos playing big guitar solos and sporting even bigger hair. Next on the Broadway in Salisbury season line-up is Rain: A Tribute to the Beatles, which performs at the WY&CC on March 11. Mentioned as, “the next best thing to seeing The Beatles!” by the Associated Press, this production
9 DEEP
Contact
is a live multi-media spectacular that takes you on an unforgettable musical journey through the life and times of the world’s most celebrated band. This stunning Broadway production brings classic songs like “I Want To Hold Your Hand,” “Hard Day’s Night,” “Let it Be,” “Hey Jude,” and many more. For more information on Broadway in Salisbury visit www.WicomicoCivicCenter.org.
BUSINESS JOURNAL D IRECTORY Phone Fax Website Email
ADVERTISING Morning Star Publications, Inc. Greg English 302-629-9788 302-629-9243 mspublications.com genglish@mspublications.com 951 Norman Eskridge Hwy., Seaford, DE 19973 _________________________________________________________________________________________________________________________________________________________________________ ARCHITECTS & ENGINEERS Andrew W. Booth & Associates, Inc. Matthew Smith 410-742-7299 410-742-0273 awbengineers.com msmith@awbengineers.com 1942 Northwood Dr., Salisbury, MD 21801 Debbie Bailey dbailey@awbengineers.com _________________________________________________________________________________________________________________________________________________________________________ Davis, Bowen & Friedel Michael Wigley 410-543-9091 410-543-4172 dbfinc.com mrw@dbfinc.com One Plaza East, Suite 200, Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ AUTOMOTIVE Courtesy Chevrolet Cadillac George Malone 410-749-7100 410-749-1017 courtesyofsalisbury.com gmalone@courtesychevrolet.biz 2531 North Salisbury Blvd., Salisbury, MD 21802 ________________ ________________________________________________________________________________________________________________________________________________________ Pohanka Automotive Group Chris Hagel 410-749-2301 410-742-5168 pohankaofsalisbury.com chagel@pohankaofsalisbury.com 2012 North Salisbury Blvd., Salisbury, MD 21801 ext: 8030 ________________ ________________________________________________________________________________________________________________________________________________________ Sherwood of Salisbury Matt Romanowski 410-548-4600 410-548-4662 sherwoodofsalisbury.com mattromo@sherwoodofsalisbury.com 1911 N. Salisbury Blvd., Salisbury, MD 21804 _________________________________________________________________________________________________________________________________________________________________________ AUTO RENTAL Mills Rental Cars, Inc. Betsey Bradford 410-860-5466 410-742-3875 millsrentalcars@aol.com 102 Broadway St., Fruitland, MD 21826 410-546-2296 ________________ ________________________________________________________________________________________________________________________________________________________ CLEANING SERVICE Merry Maids Tara Barr 410-749-0100 410-749-4637 merrymaids.com salisbury.mm@merrymaidsmd.com 540 Riverside Dr., Suite 4, Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________ CONSTRUCTION Malone Homes Jason Malone 443-260-4775 443-260-1769 malonehomesmd.com malonehomes@comcast.net PO Box 1109, Allen, MD 21810 _________________________________________________________________________________________________________________________________________________________________________ Ruark Builders Barbie Hannemann, VP 410-749-0193 410-860-4875 ruarkhomes.com bhannemann@ruarkhomes.com 4920 Snow Hill Rd., Salisbury, MD 21804 410-677-3835 _________________________________________________________________________________________________________________________________________________________________________ FINANCIAL The Bank of Delmarva Debbie Abbott 410-548-1100 410-742-9588 bankofdelmarva.com dabbott@bankofdelmarva.com 2245 Northwood Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ HEATING AND AIR Mid-Atlantic Heating and Air Keith Owens 410-546-5404 410-546-5418 midatlanticheatandac.com ko.midatlantichvac@comcast.net 2312 Allen Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________
HOME MORTGAGE Wells Fargo Home Mortgage Erik Weeg 410-845-4918 877-698-7941 wfhm.com/erik-weeg erik.k.weeg@wellsfargo.com 1000 E. Main St., Suite 301, Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________ INDUSTRIAL COMMERCIAL PAINTING
ProCoat, PO Box 2154 David Ennis 410-749-7491 443-944-9924 procoatdmv.com dennis@procoatdmv.com 26538 Siloam Rd., Salisbury, MD 21802 ________________________________________________________________________________________________________________________________________________________________________
Business Journal • February 2014
PAGE 29
2013 DIRECTORY PeninsulaDecember Regional starts HomeScript Program By Al Higgins “Once a patient has been discharged from PRMC we hope we do not see that patient again for the same illness,” said Cindy Lunsford, executive vice-president/COO at PRMC. “However,” she continued, “when we do have a readmission it is often caused by the patient either failing to obtain their prescribed drugs, or they simply chose not to take them. We have initiated a new program at PRMC which
Name
PG 3
will hopefully go a long way toward relieving this situation.” Starting in mid-December of 2013, PRMC began a program called HomeScripts. The hospital has established a pharmacy on campus which will dispense 30 days worth of prescription drugs to patients prior to their discharge. Upon request, the hospital will call the patient’s pharmacy of choice and place an order for refills of the prescription. Dennis Killian, PharmD, PhD is overseeing the program. “HomeScripts
Contact
will be available to employees of PRMC and to our patients. We hope to reduce our employees’ cost of prescription drugs, reduce readmission rates, improve patients’ medical compliance and outcomes and extend the continuum of patient care.” “The 30 days of prescription drugs will be filled and delivered to the patient’s bedside. This is a one-time event. It will be up to the patients to secure refills. However, since it often takes 2 or more weeks for a patient to get an
appointment with their primary care physician, PRMC will have staff available to discuss any problems the patient is having with their prescriptions. The hospital will strive to answer these patient initiated concerns within 24 to 26 hours.” It is important to point out that the pharmacy is not open to the general public. The new program is only for patients being discharged and employees of PRMC.
BUSINESS JOURNAL D IRECTORY Phone Fax Website Email
INSURANCE Allstate Insurance Fred Pastore 410-860-0866 410-860-0869 allstate.com/fredpastore fredpastore@allstate.com 111 Naylor St., Salisbury, MD 21804-4333 ________________________________________________________________________________________________________________________________________________________________________ INSURANCE Avery Hall Insurance Group Kevin Hayes 410-742-5111 410-742-5182 averyhall.com khayes@averyhall.com 308 E. Main St., Salisbury, MD 21801 Joe Gast jgast@averyhall.com ________________________________________________________________________________________________________________________________________________________________________ Gamee Elliott, State Farm Insurance Gamee Elliott 410-749-4725 410-749-4175 statefarm.com gamee.elliott.bvm6@statefarm.com 923 Eastern Shore Dr., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________ Gary K. Marshall Agency David Galeone 410-651-1111 garymarshallagency.com dgaleone@yahoo.com PO Box 250, 12610 Somerset Ave.
Princess Anne, MD 21853 ________________________________________________________________________________________________________________________________________________________________________ Landmark Insurance & Financial Group Charles McClenahan 410-651-2110 410-651-9288 landmarkinsuranceinc.com charlie@landmarkinsuranceinc.com 30386 Mt. Vernon Rd., Princess Anne, MD 21853 Jill Hall 888-651-2111 info@landmarkinsuranceinc.com ________________________________________________________________________________________________________________________________________________________________________
RPS ISG International Dean Goodwin 410-901-0736 410-910-0836 isgintl.com dean_goodwin@rpsins.com 204 Cedar St., Cambridge, MD 21613 ________________________________________________________________________________________________________________________________________________________________________ Thomas A. Prunty - State Farm Thomas A. Prunty 410-543-0333 410-546-0715 tomprunty.com tom.prunty.u29t@statefarm.com 1131 S. Salisbury Blvd., Ste. A2, Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ PORTABLE STORAGE
Cubes To Go Betsy Bradford 410-742-2100 410-7423875 cubestogo.com cubestogo2100@aol.com 102 Broadway St., Fruitland, MD 21826 ________________________________________________________________________________________________________________________________________________________________________ PRINTING/GRAPHIC DESIGN Minuteman Press Diana Merritt 410-548-7122 410-548-7124 salisbury.minutemanpress.com image@minutemanpress.com 1008 S. Salisbury Blvd. Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________ REAL ESTATE Remax Crossroads, 104 West Cedar Lane
Susan Mergargee
443-736-3373
443-736-3379
salisburycrossroads.com
susanmegargee@remax.net
Suite 300, Fruitland, MD 21826 Broker, Owner ________________________________________________________________________________________________________________________________________________________________________
Coldwell Banker Melissa Lear-Burns 443-366-6389 410-543-9609 cbmove.com//melissa.lear mlbrealtor@gmail.com 1131 S. Salisbury Blvd., Salisbury, MD 21801 Realtor 410-543-4545 _____________________________________________________________________________________________________________________________________________________________________ TIRE & AUTO CENTER Burnett White Dawn Tilghman 410-742-2222 410-543-4182 burnettwhite.com burnettwhite@cavtel.com 412 East Main St., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________
To Advertise in the Salisbury Business Journal Advertising Directory Call Greg English at 302-629-9788 or email genglish@mspublications.com
Business Journal • February 2014
Barometer
PAGE 30
Wicomico County Sales Tax Collections by category December ‘13
November ‘13
December ‘12
Food & Beverage
$1,262,724
$1,458,916
$1,205,097
Apparel
$327,896
$299,930
$320,033
General Merch.
$1,075,985
$1,404,866
$1,805,081
Automotive & Oil
$392,070
$553,454
$379,135
Furniture & Appl.
$171,035
$133,489
$174,139
Building Supplies
$607,588
$696,982
$531,658
Utilities & Trans.
$430,166
$435,236
$375,896
Hardware & Equip.
$150,604
$189,477
$146,791
Miscellaneous
$546,666
$611,841
$513,553
TOTAL
$4,964,735
$5,792,365
$5,451,382
Salisbury-Ocean City-Wicomico Airport November ‘12 . . . . . .12,489 December ‘12 . . . . . . 11,466 January ‘13 . . . . . . . . .8,960 February ‘13 . . . . . . . .8,082 March ‘13 . . . . . . . . . .8,897 April ‘13 . . . . . . . . . . .10,200 May ‘13 . . . . . . . . . . .10,559 June ‘13. . . . . . . . . . .10,595 July ‘13 . . . . . . . . . . . 11,405 August ‘13 . . . . . . . . . 11,808 September ‘13. . . . . .10,337
13.4 -.06 -21.9 -27.5 -32.18 -22.24 -21.05 -21.59 -23.54 -11.87 -8.3
October ‘13 . . . . . . . .10,256
-6.8
Allegiant Air Service ended January 6
Airline Passengers Enplaned/Deplaned
The number in the right column is the percentage of change in passenger activity compared to the previous year.
National, State, County Unemployment Rates
National Maryland Wicomico Salisbury Worcester Somerset
May
Jun
Jul
Aug
Oct
Nov
7.6 6.7 8.4 8.7 9.8 10.1
7.1 7.4 8.4 8.7 7.6 10.4
7.7 7.1 8.3 8.6 7.6 10.4
7.3 7.0 7.7 8.1 7.2 10.0
7.3 6.7 8.1 8.4 10.1 10.0
7.0 6.4 8.2 8.4 14.0 9.4
Information courtesy of the Maryland Job Service at the One Stop Job Market. (Not seasonally adjusted.) Information courtesy of Comptroller of the Treasury, Retail Sales Tax Division.
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Electrolysis Permanent Cosmetics IPL Skin Toning Lash & Brow Tinting
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540 Riverside Drive, Suite 12, Salisbury, MD 21801
Office 410-334-6222
Nichole Parks BRANCH MANAGER LOAN OFFICER
102 MILFORD STREET SALISBURY MD 21804
www.fbwbank.com
TEL: 443-260-4780 FAX: 443-260-4784 E-MAIL: nichole.parks@fbwbank.com
Cell 802-362-7300
Bob Freeman
Cell: 410-334-3000
Loan Officer
NMLS#758834 email: rfreeman@mortgagenetwork.com
www.mortgagenetwork.com 801 N. Salisbury Blvd., S 204, Salisbury, MD 21801
Joshua P. Thomas Financial Advisor
443.944.8025
Fax 443.944.8640
31400 Winterplace Parkway, Suite 100, Salisbury, MD 21804
Our goal is to work with you to discover and pursue your vision of wealth.
Josh@HammondWealth.com HammondWealth.com
Securities offered through Capitol Securities Management, Inc.
Member FINRA/SIPC
CANDACE HIATT, REALTOR Veterans Property Specialist
(443) 235-3612 Call (410) 543-4545 Candace.Hiatt@cbmove.com
1131 South Salisbury Blvd, Suite B Salisbury, MD 21801 Owned and Operated by NRT LLC
www.cbmove.com/candace.hiatt
Leaders in On-Site and Off-Site Paper Shredding Office Paper Recycling Programs Containers Provided David N. Eccleston 410-860-1425 www.delmarvashredding.com • deccleston@ delmarvashredding.com 300D Moss Hill Lane • Salisbury, MD 21804
P.O. Box 72, Salisbury, MD 21803-0072
DELMARVA
PROMOTIONAL PRODUCTS, LLC
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Certified Public Accountants
410.810.0498 t 410.810.1603 f
1323 Mt Hermon Rd, Ste 5A Salisbury MD 21804
Michael C. Weisner broker
Michael@WeisnerRealEstate.com www.WeisnerRealEstate.com Office: 410-742-7141 Cell: 443-880-8626 Fax: 410-742-7151
SHORE TRANSIT Providing Public Transportation and Quality of Life & Dignity to Somerset, Wicomico and Worcester Counties & Beyond
443-260-2300 www.shoretransit.org
& Advisors to Business Salisbury
1801 Sweetbay Dr T: 410.546.5600 F: 419.548.9576
www.svn.com
danpromotional@baybroadband.net www.delmarvapromos.com
P.O. Box 7 Worton, MD 21678
Pigg, Krahl & Stern Ocean City
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12308 Ocean Gtwy #5 1143 Savannah Rd #1 T: 410.213.7185 T: 302.645.5757 F: 410.213.7638 F: 302.645.1757
Bradley Gillis, CCIM Senior Advisor
206 East Main Street Salisbury, MD 21801
Direct 410-543-2491 Phone 410-543-2440 Bradley.Gillis@svn.com www.BradleyGillis.com / www.SVNmiller.com All Sperry Van Ness® Offices Independently Owned and Operated.