Regional Business Journal

PRSR

T ST

DU

S PO

STAG

EPA

IDM

AIL

MO

VER

S

Busi

ness

Jou

rnal

PO B

ox 5

10Sa

lisbu

ry, M

D 2

1803

-051

0

The Regional Chamber Newsletter

Vol. 16 No. 7 Dedicated to the Principles of Free Enterprise February 2013

INSIDEBarometer ...................................13Business After Hours..............8, 12Business Directory ................20-21Calendar .....................................10Education ..................................18Edward Jones .............................22Health .........................................16New Members ............................11Salisbury University ....................19Technology ...................................9Viewpoint ......................................3

Fiscal CliffWhat impact will the deal to

avoid the fiscal cliff have on busi-ness?

Page 6

Chamber HonorBrad Bellacicco is honored for

his service to the Chamber.Page 22

Economic ForecastThere are some signs of im-

provement in the economy, but progress is slow. Find out who is weathering the economic storm.

5

Salisbury Area Chamber of Commerce Patrons

Festival planning is underway Despite the wintery weather on the

Eastern Shore, the Chamber is looking ahead towards the warmer days that spring will bring. For the chamber, the spring season also means gearing up for the Salisbury Festival. Plans are underway for the 31st Annual Salisbury Festival, scheduled for April 26-28, in downtown Salisbury and Riverwalk Park.

A long-standing community tradi-tion, the Salisbury Festival 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 by the river, entertainment and so much more, there is something for everyone. The festi-val’s website, www.salisburyfestival.com, will be updated regularly with new events and activities.

This year’s festival planning com-mittee will be chaired by Melodie Carter, vice president of business de-velopment at Hebron Savings Bank. Her leadership, dedication to the com-

munity, and experience will help to insure that this year’s festival is one of the best. Interested in taking part in the planning of such a well known com-munity event? Call the chamber today to find out how you can get involved. All of the events and activities planned for the festival come from a committee of volunteers, and without their support the festival would not be possible.

The chamber is accepting applica-tions for community performers, arts and crafts vendors, and commercial dis-play vendors. Sponsorship opportunities are also available. For more informa-tion, visit www.salisburyfestival.com, or call the Salisbury Area Chamber of Commerce at 410-749-0144.

The 31st Annual Salisbury Festival will take place on April 26-28, in Downtown Salis-bury & Riverwalk Park. Visit www.salisburyfestival.com for more information.

Nominations open for SACC annual awards

It’s that time of the year again! The Salisbury Area Chamber of Commerce is calling together its community leaders for a celebra-tion of the year’s successes and the installation of the new Chamber Of-ficers and Board of Directors.

The Annual Banquet will be held this year on Thursday, April 18 at Black Diamond Catering.

The Chamber has begun to look for nominations for 13 different awards going to deserving profes-sionals in the community.

The awards are as follows:1. Chamber of Commerce Award2. The Humanitarian Award3. The Member (Volunteer) of the

Year4. The Recruiter of the Year5. Small Business of the Year6. Media Business of the Year7. Large Business of the Year8. Businessman of the Year9. Businesswoman of the Year10. Young Professional of the

Year11. Environmental Service Award12. Agriculture Ambassador of

the Year13. Non-Profit Organization of

the Year For a full description of the

award and the nomination form, please go to www.salisburyarea.com.

Deadline to submit is noon, Fri-day, March 22.

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

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

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

SALISBURY, MD│FOR LEASE

$12.00/Sq. Ft.

1415 WESLEY DR.

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

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

SALISBURY, MD│FOR LEASE2120 WINDSOR DR.

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

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

WESTOVER, MD│FOR SALEOLSEN’S ANTIQUES BLDG.

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

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

SALISBURY, MD│FOR SALEBENNETT AIRPORT

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

SEAFORD, DE│FOR SALE

$1,275,000

102 PARK AVE.

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

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

8999 OCEAN HWY.

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

SALISBURY, MD│FOR LEASE2020 SHIPLEY DR.

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

SALISBURY, MD│FOR SALE

$475,000


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


$12.00/Sq. Ft.

31400 WINTERPLACE PKWY.

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

10231 OLD OCEAN CITY RD.

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

FRUITLAND, MD│FOR LEASEIN CROWN SPORTS CTR. FACILITY

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

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

HURLOCK, MD│FOR SALE100 ENTERPRISE DR.

BERLIN, MD│FOR LEASE

$2,800,000

635 HOMER ST.

$995,000

Built for Better Results.

View all of our listings at www.SVNmiller.com

410.543.2440 206 East Main Street | Salisbury, MD 21801

302.227.0768 33 Bridle Ridge | Lewes, DE 19958

302.540.5959 110 South Poplar Street Suite 103 | Wilmington, DE 19801

410.279.9145 1542 Briarcliff Rd. | Annapolis, MD 21012

301.526.2594 1 Dudley Court | Bethesda, MD 20814

301.432.5466 19239 Shepherdstown Pike, P.O. Box 60 | Keedysville, MD 21756 Sperry Van Ness is a registered trademark of Sperry Van Ness International Corporation. All Sperry Van Ness® Offices Independently Owned and Operated.

106 MILFORD ST., UNIT 604

SALISBURY, MD | FOR SALE/LEASE

• Smallest Unit in Milford Street• 950 SF• Former home of Quest Diagnostics • Turn Key Medical Office Space

1415 WESLEY DR.

SALISBURY, MD | FOR SALE/LEASE

• 4807 SF• Free-standing office building with parking lot• 1 block from SU and Rt. 13

AVALON PLAZA10 WASHINGTON ST.

SALISBURY, MD | FOR AUCTIONCAMBRIDGE, MD | FOR SALE

• Two Buildings – 30,000 SF & 60,000 SF• 11.94 Acres• $7,900 Monthly income

Do you want to know what your commercial

property is worth? Give me a call TODAY!

Henry Hanna, CCIM, SIOR410-543-2419

[email protected]

• Nationally Anchored Center• Chico’s, Talbot’s, Outback, AAA and more• 3 Buildings - 34,000 SF• NOI - $484,000

CALL FOR DETAILS! Rick Tilghman, CCIM 410-543-2459 [email protected]

$3.50 psf• 2,400 SF office warehouse• Large overhead door - 14 foot clear span• Convenient Central Northwood Industrial park location• 10 parking spaces

2312 ALLEN DRIVE

SALISBURY, MD | FOR LEASE

$1200/month

Contact Chris peek, CCIM 410-603-9112 [email protected]

COULBOURN CREEK FARM

MARION STATION, MD | FOR SALE

• 435 acres• 185 acres of active farmland• Waterfront on Coulbourne Creek and Annamessex River

$1,500,000 $3.50 psf

$3.50 psf

• New Goose Creek convenience store with gasoline• High visibility on Route 50• 2,000-2,500 SF available within this high volume store• Ideal for coffee, donut or fast food operator • Drive up window available

• Very nice professional office space with multiple offices, open areas, 1/2 bath• Free parking and close to Rt. 13 and Salisbury University• Across the street from SU student housing

RT. 50 & TRUITT ST.

209 MILFORD ST., UNITS B & C



$8.88 per SF$799,000

KINGS CREEK MARKET

DELMAR, DE | LEASED

PRINCESS ANNE, MD | FOR SALE

2815 N. SALISBURY BLVD.COMING SOON

• Good for owner operator• Income property• $45,792 Net Income• Three rental units & gas station• MDE closure letter on file

Contact John McClellan [email protected]://buildout.com/website/56084-lease

Contact Bradley Gillis, CCIM [email protected]

Contact Wesley Cox or Henry Hanna 410-543-2440 [email protected] [email protected]

Contact Bill Moore [email protected] http://buildout.com/website/49367-lease

Contact Chris Davis [email protected]://www.svnmiller.com/listings.html?propertyId=21011-sale

Contact Joey Gilkerson [email protected]

Contact Ben Alder 410-543-2440 [email protected] Chris Davis [email protected]://www.svnmiller.com/listings.html?propertyId=57186-sale

Contact Henry Hanna, CCIM, SIOR [email protected]

LIQUIDATION SALE

AUCTION

$499,000$886/month

Advisor Focus

Sale: $559,900Lease: $9/SF/yR

Lease: $11.15 PSF NNNSale: $135,000

REDUCED

Business Journal • February 2013 PAGE 3

First, let me say how much of an honor and privi-lege it is to serve this great chamber as its interim execu-tive director.

The selection commit-tee has a huge obligation to fill this seat full-time with a person that has an open mind and the conviction and desire to see the City of Salisbury and the tri-county area grow through the voice of the Salisbury Area Chamber of Commerce. That person will be challenged and will need “backbone” to see that what’s in the best interest of the business com-munity is first and foremost.

Your chamber has some great op-portunities to further our growth in the coming weeks and months.

Area electionsThe Salisbury Chamber Political

Committee is in the process of estab-lishing a “Meet the Candidate Night/Debate.”

The primary election will take place on Feb. 26, to select two top vote get-

ters in District One and District Two in the City of Salisbury to go head-to-head in the General Election on April 2.

On Feb. 19 at Perdue Hall, 156, Salisbury University, the chamber will hold a “City Council Debate” from 7 to 8:30 p.m.

On March 26, the chamber will hold a “Salisbury Elections Debate” in the Wicomico Room in Guerrieri University Center, Salisbury University Campus, from 7 to 8:30 p.m. This will include two mayoral candidates and two top vote getters in Districts One and Two from the Primary Election.

The candidates for District One are: Incumbent Shanie Shields, community activist April Jackson, and business-

woman Cynthia Polk.The candidates for District Two are:

Incumbent Debbie Campbell, urban redevelopment activist Jake Day and non-profit executive Jack Heath.

The candidates for mayor are incum-bent Jim Ireton and businessman/blog-ger Joe Albero.

This will be your opportunity to see and hear firsthand the viewpoints of these candidates. What’s really key here is to get out and vote in your dis-trict for your representative and may-oral candidate of your choice.

The only way to stop the bickering and the apathy is to effect change and that change is voting in the upcoming election. Change starts with you going to the polls on Feb. 26 and April 2.

County inventory taxThe Salisbury Area Chamber sup-

ports the phasing out of this inven-tory tax. The proposed 7% reduction over the next 5 years eliminating this 35% anti-business tax will go a long way towards re-establishing Salisbury and Wicomico County as a “business friendly hub” on Delmarva. By creating a five-year phase-out, we will improve our competitive position attracting new business and helping existing businesses to use those tax dollars to expand operations and employment in the county.

The chamber supports the efforts of the county executive and county coun-cil in this endeavor by making a com-mitment to the Economic Development and Business Growth of the City of Salisbury and Wicomico County. We encourage a unified positive decision to eradicate this tax.

State gasoline taxThe chamber does not support an

increase in the gasoline tax at this time. The area is still in recovery from the recession and this tax would create an additional hardship. Over 90% of our

goods are “trucked” in to our area. This tax increase would raise our cost-of-goods and create a cascading effect on businesses and consumers.

The existing gasoline tax has not been raised since 1992. If the State of Maryland had the insight back when times were less economically stressed and indexed to inflation the current 23.5 cents per gallon tax, the annual increase would have been less than “a penny per gallon” and we’d be today, gasoline tax-wise, at the level requested and not having this conversation.

Delmarva should not have to support the construction/expansion of the Bal-timore Metro Rail System; Maryland suburban portion of the DC Metro Rail System and Intercounty Connector road in Montgomery County that “less than 5% of Marylanders” use!

For the State of Maryland to wait 21 years to raise this tax would push our trucking businesses and consumers in general over the “gasoline tax cliff.”

A lighter note...The Salisbury Festival is coming

April 26-28 downtown. This is a great chamber sponsored annual event and it benefits a large number of other or-ganizations in the community. Mark your calendars and plan to attend with opening ceremonies Friday, April 26, at 6 p.m.

Your new Salisbury Area Chamber of Commerce is dedicated to promot-ing a positive business environment by supporting economic development through networking, teamwork and in-novative thinking.

We are your voice and resource for business, education, agriculture, civic and community organizations through-out Delmarva. Stop by our office any-time Monday through Friday and we’ll sit down and have a conversation about your thoughts to make our area better for all. The coffee is always on.

Great opportunities for chamber growth on the horizon

Salisbury Area Chamber of Commerce144 East Main Street, Salisbury, MD

• Phone: 410-749-0144 • Fax: 410-860-9925email: [email protected] • Website: www.Salisburyarea.com

The 2012-2013 officers are (seated) Asst. Sec/Treasurer Jaime Toner, President Sandy Fitzgerald-Angello and Legal Counsel D. Nicole Green (standing) Interim Executive Direc-tor Ernie Colburn, Vice President Tony Nichols, Secretary/Treasurer Stephen Franklin, President Elect Bradley Gillis, and Vice President John Cannon. Not pictured is Vice President Dr. Memo Diriker. 2012-2013 Salisbury Area Chamber of Commerce OfficersPresident Sandy Fitzgerald-Angello Pohanka Automotive GroupPresident Elect Bradley Gillis Sperry Van Ness - Miller CommercialVice President Dr. Memo Diriker Salisbury University’s BEACONVice President Tony Nichols BBSIVice President John Cannon Cannon Management & Rentals LLCSecretary/Treasurer Stephen Franklin Accurate Optical Co.Asst. Sec/Treasurer Jaime Toner Pool TechLegal Counsel D. Nicole Green D. Nicole Green, P.A.Past President Ernie Colburn Retired

By Ernie ColburnPast President and Interim Executive Director

Chamber searching for directorSandy Fitzgerald-Angello, president

of the Salisbury Area Chamber of Com-merce has announced the formation of an executive director search committee, which is chaired by Past President John McClellan of Sperry Van Ness - Miller Commercial Real Estate and made up of key members and officers of the chamber.Since 1920 the chamber has been dedicated to promoting a positive business environment by supporting networking, economic development and education. The search committee has been tasked with identifying and rec-ommending to the executive board the next executive director to lead the State of Maryland’s only Four-Star Accred-ited Chamber. Said Fitzgerald-Angello stated, “The really good news is that the chamber is not forced to make a quick

decision since immediate past President Ernie Colburn is our interim executive director.”

McClellan said, “The search commit-tee has already received well over 100 resumes from across the United States; a change in leadership warrants a very thorough and deliberate process and we are dedicated to locating the best person for our community and chamber. The committee has met regularly and will continue to diligently refine the leader-ship criteria to locate the next leader of the Salisbury Area Chamber of Com-merce and its over 800 member busi-nesses.”

Anyone interested in submitting a re-sume for consideration should forward it to committee member Tony Nichols at [email protected].

Your chamber has some great opportunities to further our growth in the coming weeks...

Business Journal • February 2013PAGE 4

Lower Shore Chambers of CommerceChamber Contact info Key contact Dues* Members Fax Berlin 410-641-4775 Aaren Collins $125 200 410-641-3118Crisfield 410-968-2500 Valerie Howard $100 120 410-968-0524Delmar 302-846-3336 Diane Johnson $75 71Fruitland [email protected] Tina Callery $75 65 Ocean City 410-213-0144 Melanie Pursel $175 850 410-213-7521 Ocean Pines 410-641-5306 Elizabeth Kain-Bolen $145 300 410-641-6176 Pocomoke City 410-957-1919 Jennifer Raster $150 150 410-957-4784Princess Anne 410-651-2961 Becky Robinson $60 105 410-651-5881Salisbury 410-749-0144 Ernie Colburn $245 800 410-860-9925Snow Hill 410-632-2722 Dwayne Mease $75 70 410-632-0200* Basic annual membership cost.

We can answer your employees’ insurance questions.Call Mary at 410-742-5111

Health

Life

Dental

Vision

Disability

Medicare Supplement

Quality insurance. Personal attention. Peace of mind.

Am I covered?

averyhall.com

404 Eastern Shore Dr.Salisbury, MD 21804

Bob ElliottPharmacist/Owner

Bob ElliottPharmacist/Owner

Let Us Help You With You Pharmacy Needs

25% OFFAll TOPRICIN Products

through February 28, 2013

Available at:

tel 410-749-5253 • fax 410-749-6345FREE Delivery,

Senior Citizens Discounts Burt’s Bees • Yankee • Rowe Pottery

Jobst Compression StockingsDiabetic Counseling

EASTERN SHORE PHARMACYAcross from the hospital at the corner of

Eastern Shore Drive and Carroll Street in Salisbury

Bob Elliott Pharmacist/Owner

400 Eastern Shore Dr.Salisbury, MD 21804

Recordkeeping workshopThere are more than two dozen

regulations that govern some aspect of employer recordkeeping and re-tention.

What should you keep, and not keep, in your employees’ person-nel files? How long are you re-quired to maintain these records? What records should never be retained? What do you do when an employee demands to see and make a copy of their personnel file?

The SACC will host a Record-keeping Workshop - a lunch and learn - on Tuesday, Feb. 19 from 11:30 a.m. to 1 p.m., which will answer these questions and address the best practices of maintaining and retaining employee-related records such as applications, background checks, work history, disciplin-ary notices, payroll data, medical information, and workplace injury records, to name a few.

The instructor is Pat Wirthlin, hu-man resources director at BBSI.

The workshop will be held at the Salisbury Area Chamber of Com-merce. Cost is $10 per person which includes lunch.

There are many reasons why aspiring and current business and professional women join the Executive Women’s Golf Association - top-level network-ing and mentoring, meeting energetic, like-minded people, or finding time to escape the daily grind to enjoy a round.

Founded in 1996, the Eastern Shore Chapter has 275 members. It is part of a network of national chapters with 15,000 members throughout the United States.

“The Executive Women’s Golf As-

sociation, EWGA, has connected over 100,000 women nation wide to the game of golf for the last 25 years” re-ports Vicki Harmon, President of the Eastern Shore Chapter. “Our Chapter hosts events for all levels of golf, from women who are getting out on the course for the first time to low handicap players. Chapter outings are on courses in the Salisbury, Ocean City and lower Delaware areas. We look forward to building our Chapter membership in 2013.”

The February 13th event will be held from 5-7 p.m., and will give po-tential members an opportunity to learn about EWGA’s organized golf events, leagues for all levels, “Nine & Dine” and other social events, business net-working, mentoring programs, clinics, and tournaments. Over the past ten years, they have raised over one million dollars during their Pink Ribbon Tour-nament and supporting events for the American Cancer Society. Please RSVP to Ruth Jones at 410-860-1494.

Golf Association to hold networking event


Career Day needs presentersThe Salisbury Area Chamber of

Commerce Young Professionals Com-mittee in partnership with the Wic-omico County Board of Education, and Salisbury University is organizing the 7th Annual Career Day for all Wicom-ico County high school freshmen.

The event will be held at Salisbury University on Tuesday, March 19, and will include presentations from a wide variety of professions. Students will select four career presentations of their choice from nearly 40 different career tracks, allowing them to explore dif-ferent career options. Presenters are needed from all fields to introduce stu-dents to the many opportunities avail-able after graduation. 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, edu-cational requirements, tips and lessons learned.

Each presenter will be given their own classroom with audio/visual ca-pability and classes will have a maxi-mum of 30 students per session for 20 minutes. There is a morning schedule and an afternoon schedule, each with 4 periods. If you are interested or would like more information, contact Sophia Smecker at the chamber at 410-749-0144 or [email protected].

Sponsorship opportunities are avail-able and range from $100 to $500. Contact the chamber for more infor-mation.

Local effect of the ‘fiscal cliff’By Al Higgins

When Congress and President Obama finally got around to working out a deal on the fiscal cliff they touted their cooperation and how they had suc-ceeded in avoiding going over the cliff. After all their backslapping and praise for one another it’s time to take a look at just what was accomplished and how the new law is going to affect small businesses.

While taxes were increased for those making more than $450,000 a year, tax-es were also increased on nearly every other working American.

The so-called tax holiday, that reduced payroll taxes by 2%, was lifted, meaning that Americans earning $50,000 a year can expect a tax increase of about $1,000. Unfortunately, as with the passing of most bills in Congress, this one was also loaded with expensive and questionable perks.

The U.S. Chamber of Commerce states that a majority of small business-es think the economy is on the wrong track. Most of the uncertainty comes from concern over the implementation of the healthcare law, according to a survey by the U. S. Chamber of Com-merce. The chamber states that despite the recent congressional agreement on some tax and spending policies, busi-

nesses say uncertainty is being churned up over concerns about the economy, debt and deficient issues, as well as implementation of the healthcare law.

The U. S. Chamber of Commerce also states that their survey shows that more than one half of U. S. small busi-nesses have not hired in the last year, and two-thirds plan to keep the same number of employees in 2013.

Among small businesses, 86 percent say regulations, rules and taxes will harm their business, and health care regulations are their prime concern in addition to labor rules and environmen-tal laws.

The overall small business climate appears bleak. Of those surveyed, 82 percent think the economy is on the wrong track, 54 percent expect the cli-mate for small businesses to deteriorate in the next two years and 88 percent they are looking for more certainty and not more assistance from Washington.

Additionally, three in four small businesses expect the Affordable Health Care Act will increase their costs. Only 5 percent expect the law to make health care more affordable. Also, 71 percent said the act will end up making it harder for them to hire more workers.

The total impact on local businesses was yet to be determined, and there are still many issues that Congress has yet

to address, such as Medicare, Medicaid, Social Security and the defense budget. With that in mind, a couple of local businesses shared what the impact of the recently passes fiscal cliff legislation will have on them.

Steve Romney, president and CEO of Millenium Microwave, has concerns about Congress’s inability, or unwilling-ness, to pass the defense budget.

“Nearly 100 percent of our busi-ness involves projects dealing with the defense of our country. We need strong direction from Washington. One of our largest customers is Lockheed and we have been supplying electronics for the B-2 bomber to them for several years. Without a budget in place Lockheed is not going to be ordering electronic equipment.” Romney added that the whole defense industry is in suspension awaiting action from Congress.

Susan Purnell, owner of Kuhn’s Jewelers in Salisbury, has not felt the impact of the legislation. “We have not hired anyone in quite a long time and don’t see any need to do so in the near future. The jewelry business was pretty much unaffected by the fiscal cliff agreement.” The general consensus of those businesses contacted is that unless the nature of the business is specifically affected by the legislation then there has been little affect to date.


Financial resolutions for 2013By K. Jill HallLincoln Financial Securities Corporation

The Thanksgiving and Christmas holidays are a time to eat, drink and be merry. Reality typically sets in on New Year’s Day, which leads to the tradi-tional round of resolution-making. This year (in addition to pledging to eat bet-ter and exercise more), you may want to consider these 10 resolutions to help put your financial house in order.

1. Think strategically about finances - When it comes to vacations, most people plan months ahead, carefully selecting a destination and the best way to get there. Financial decisions should involve the same type of strategic think-ing. It’s advisable to choose a financial destination and then map investment, savings, insurance and household needs to arrive as planned.

2. Develop financial relationships - It’s never a good idea to make major decisions in a vacuum. Therefore, it’s important to develop relationships with people who can help guide you toward your financial well-being. Get to know them, and let them get to know you. That way, it’s more likely they’ll go the extra mile to provide the kind of personalized service that can help keep your goals on track. A good accountant can help you save money. A banker can help with loans when you really need them, and a lawyer can make sure your personal affairs are in order. A financial planner can act like a quarterback.

3. Maximize savings, minimize debt - Limiting debt is critical to reaching your financial goals efficiently. There-fore, it’s important to keep nondeduct-ible interest to a minimum. As you liquidate debt, you may want to direct those dollars to savings. It’s advisable to maximize your savings by contribut-ing to pre-tax retirement savings plans such as a 401(k), a health savings ac-count or a 529 college funding plan. In addition, you may want to consider making major household purchases on a “pay-as-you-go” basis. Anytime you reduce debt, you are, in effect, giving yourself a pay raise.

4. Review household expenditures and set a budget - While often over-looked, cash flow management is fundamental to financial planning. Basi-cally, this means spending less than you earn. Try tracking your expenditures for three months so you know where your money is going. This way, it’s easier to start making intelligent decisions about spending habits.

5. Review employment and educa-tion options - Too many individuals fail to take advantage of employee benefits, especially when it comes to retirement plans. Many companies match a portion of an employee’s 401(k) contribution. Some companies also match contribu-tions to college and health savings accounts and provide tuition reimburse-ment. An advanced degree can enhance your earning potential, so find out if your company can help finance higher education.

6. Plan ahead for marriage and fam-ily - You may not have tied the knot yet, but if you plan to marry someday, it’s advisable to start planning now. For example, do you and your partner see eye-to-eye on financial matters? Do you know whether you’ll use a joint check-ing account or separate accounts? How many children, if any, do you plan to have? How will a family change your insurance and housing needs? Financial arguments can frequently lead to di-vorce. By planning ahead, you can help minimize stress on your marriage.

7. Develop a crisis management plan - A financial emergency usually strikes when you least expect it. The best hedge is an emergency savings account equal to at least three—and ideally, six—months of living expenses. Repay the account promptly, even if it means cutting back on other things. The goal is to avoid piling up debt—or worse, bankruptcy.

8. Review insurance needs - You can use insurance to protect your assets. Life insurance can provide an adequate financial cushion in the event of a spouse’s death. Therefore, it’s impor-tant to regularly review your policies. Many people overlook disability income coverage, but insuring against the loss of earning power is essential to sound financial planning. A long-term health-care policy can help you pay your ex-penses in the event of a serious illness or injury. And, if you have a high salary or significant net worth, you should consider a personal liability umbrella of up to $1 million to protect against li-ability risks.

9. Leverage assets - You should consider leveraging assets to take ad-vantage of long-term financial oppor-tunities. A home equity loan is usually cheaper than a consumer loan, and the interest is tax-deductible. If you have a low-interest mortgage, for example, you could think about directing any extra cash to higher-potential return invest-ments rather than paying down the loan.

10. Manage your taxes -Taxes can take a big bite out of income and capital gains. Therefore, you may wish to con-sider the following steps:

Maximize your and your spouse’s 401(k) and IRA contributions.

Consider opening a health savings account, even if you don’t plan to use the money.

Consider selling stock before the end of the year if it generates losses.

Think about increasing charitable contributions or setting up a trust.

About the authorK. Jill Hall,, MBA, CFP® is a

registered representative of Lincoln Financial Securities Corporation, a bro-ker/dealer, member SIPC, 30386 Mt. Vernon Rd., Princess Anne, offering insurance through Lincoln affiliates and other fine companies.

The content of this material was provid-ed to you by Lincoln Financial Securities for its representatives and their clients.


Salisbury Area Chamber of Commerce members receive a 10% discount

[email protected]

This publication is directly mailed to every Salisbury Area Chamber of Commerce member and is included in the chamber relocation packets. Magazines are placed at high traffic locations throughout Wicomico; including local hospitals, doctors' offices, restaurants, and hotels.

Payment Options Available

DiscoverSalisbury-Wicomico Magazine 2013

DELMARVA

Photo by Michael Perry

Our hosts from CATO Gas & Oil: Mike Petito, Greg Stutzman, Fred Rogers, Tim Emge, Phil Tonelli, Chris Mergner, Charlie Moore, Russ Winters, and President - Mike Abercrombie Jr.

Business After HoursCato Gas & Oil Company

Cato Gas & Oil Company hosted a Business After Hours networking event at their 1030 Marine Road showroom on Thursday, Dec. 13. Surrounded by the cozy fireplace exhibits in their showroom, Mike Abercrombie Jr. wel-comed chamber members and guests and gave an update on what is new with this longtime chamber member.

Cato Oil has been serving the resi-dents of the Salisbury area and lower Eastern Shore since 1960, and from the beginning, as a leader in the gasoline, heating oil and lubricants business, Cato has blossomed into a diversified energy company. The company’s core operations include a marine terminal; fuel distribution; com-mercial fleet management; propane and heating oil products for residential, agricultural and commercial purposes; convenience stores; fast food restau-rants and real estate development projects.

For more information, visit their website, www.catoinc.com.Chamber Board Counsel - Nicole Green, PA, and Cathie

Thomas of BBSIFrom M&T Bank: Gene Malone, Nestor Bleech, President - John Sherwell and Ginger Donovan


System Inspections Clarifier/Sand Oil Separator

MFR of Septic Tanks & Grease Traps Real Estate Transaction Inspections Approved Critical Area BAT Sytems

Removing Nitrogen to Save the Bay

Towers Concrete410-479-0914

you can trustQuality

SEPTIC SYSTEMSShould your business use MPS?By Andrew QuillenSenior Account Manager, Hilyard’s Business Solutions

How do you know if your business should explore Managed Print Services (MPS)? Here are five things to con-sider:

1. Will this effort truly deliver a defined and hard dollar return on invest-ment? Gartner says yes. According to their research, enterprises can save up to 30 percent on printing services by selecting the right partner.

2. Are you benefiting from your cur-rent investments? Consider what went into the decision-making process for your company’s current output environ-ment – including the current fleet of multi-vendor copiers, printers and other hardware. Is it still delivering what you need? Could it do more – like scanning and imaging for easy access to docu-ments?

3. Can your technology keep up? As a business changes and evolves, so must its output solution. If the current tech-nology is unable to keep up with the demand from additional employees and increased usage, it is merely a drain on your financial and human resources.

Or, if your current strategy does not provide flexibility as the total employee population fluctuates up or down, you have an opportunity for improvement. What’s more, while the economic en-vironment may mean you need to hold onto your technology assets for a longer period of time, MPS might be able to reduce costs by combining the right technology with software, services, and proven best practices so your business can streamline workflow, eliminate time consuming manual tasks, speed up ac-cess to critical information and reduce operational costs.

4. Does downtime cost you? One of the fundamental challenges when as-sessing printing expenses is determining what is being spent and where. When your IT department is constantly fixing hardware while employees are unable to

effectively print, scan and handle docu-ments, all departments suffer. What’s more, printing costs are often buried in various department budgets and each employee likely has a personalized work process that may not be optimal to reducing overall printing costs. By le-veraging intelligent network-based tools to monitor all devices, proactive man-agement strategies can be implemented to help avoid unnecessary downtime. It is reasonable to expect your employees to have access to output as needed – 100 percent of the time.

5. Do you have more important things to focus on than print? Most businesses do not have the print man-agement knowledge internally to handle print solutions without outside help. Se-lecting a MPS partner can significantly reduce the amount of work involved in supporting a print fleet. From price shopping and buying toner, to deciding whether to invest in a repair or simply replace a device when a problem arises; time is money, and the more time you can save, the more money you save.

While MPS is not a new solution, it is one that can maximize short-term cost savings, while adding value that will prime your business for growth in the future.

The first step is to see your print infrastructure as a means of leveraging new sources of value.


Choptank Electric Cooperative

Affordable. Innovative.

Member focused.www.choptankelectric.coopwww.togetherwesave.com

877-892-0001

FORECAST SPONSORSHIP – M&T Bank representatives recently presented the Salisbury Area Chamber of Commerce Foundation with a sponsorship contribution of $2,000 for the 2013 Annual Economic Forecast. With the help of M&T Bank, this year’s Economic Forecast focused on the 2012 election and the impact that it will have on the 2013 economy. M&T Bank invited Chris Kreicker, CFA, director of in-vestment advisory services for Wilmington Trust, to be the keynote speaker. Pictured from left: Jon P. Sherwell, administrative vice president, commercial group manager, M&T Bank; Ernie Colburn, interim executive director, Salisbury Area Chamber of Commerce; and Gene Malone, administrative vice president, retail regional manager, M&T Bank.

Calendar of Events

Salisbury ChamberTuesday, Feb. 5 - Ambassadors

Committee, Denny’s, 8 a.m.

Wednesday, Feb. 6 - Salisbury Fes-tival Committee, Chamber Business Center, 4 p.m.

Wednesday, Feb. 6 - Young Profes-sionals Committee, 4:30 p.m.

Thursday, Feb. 7 - Beautification Committee, Chamber Business Center, noon.

Thursday, Feb. 7 - Business After Hours, Break Time Sports Grill & Pub, 5 p.m.

Friday, Feb. 8 - Executive Commit-tee, Bob Evans, 8 a.m.

Tuesday, Feb. 12 - Membership Committee, Chamber Business Center, 8 a.m.

Thursday, Feb. 14 - Legislative Committee, Wor-Wic, Hazel Student Center, Room 302, 8 a.m.

Thursday, Feb. 14 - Technology Committee, Pemberton Coffee House, 9 a.m.

Monday, Feb. 18 - Workforce Devel-opment Committee, Chamber Business Center, noon.

Tuesday, Feb. 19 - Agri-Business Committee, Chamber Business Center, 7:30 a.m.

Tuesday, Feb. 19 - Eldercare Pro-vider Network, Genesis Eldercare, 8:30 a.m.

Tuesday, Feb. 19 - Recordkeeping Workshop, Chamber Business Center, 11:30 a.m.

Tuesday, Feb. 19 - Budget & Fi-nance Committee, Chamber Business Center, noon.

Wednesday, Feb. 20 - Business Af-fairs Committee, Chamber Business Center, 8:30 a.m.

Wednesday, Feb. 20 - Salisbury Festival Committee, Chamber Business Center, 4 p.m.

Thursday, Feb. 21 - General Mem-bership Luncheon, Mister Paul’s Legacy Restaurant, noon.

Thursday, Feb. 21 - Business After Hours, WMDT-47 ABC & Delmarva’s CW3, 5 p.m.

Monday, Feb. 25 - Executive Com-mittee, Chamber Business Center, noon.

Tuesday, Feb. 26 - Green Team Meeting, Chamber Business Center, noon.

Wednesday, Feb. 27 - Board of Directors, Chamber Business Center, noon.

Thursday, Feb. 28 - PR & Market-ing, Chamber Business Center, noon.

NEW OWNERS - Salisbury Jiffy Lube has been sold to longtime manager, Chris Ryan and his wife Laura. Ryan has been with Shockley Management, Inc. for over 12 years, 11 at the Salisbury Jiffy Lube. Under his supervision, the Salisbury location has consistently ranked as a Superstar Store by Jiffy Lube International, based on customer satisfaction scores generated by an independent company. The Salisbury store recently represented their district, which encompasses over 40 different Jiffy Lubes, in the Jiffy Lube All Star competition which scores Jiffy Lubes on their compli-ance with the company’s policies and procedures for servicing vehicles, also taking into account speed of service. Pictured from left are new owners, Chris and Laura Ryan and previous owner Bill Shockley.


The Salisbury Jaycees Foundation would like to say

Thank You!On December 8th, 2012, the Salisbury Jaycees and the Salisbury Jaycees Foundation treated 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 the Draper Holdings Charitable Foundation, Walmart, Wicomico County Sherriff’s Office, Wicomico County Board of Education,

Shore Appliance Connection, Salisbury Baptist Temple, and Holloway Tours.

Patron Saints Draper Holdings Walmart, Charitable Foundation Salisbury, Md. Bless Our Children Campaign Kevin Fulmer Gen. Mgr.

Guardian Angels Rob and Stacy Hart Paul & Wanda Ferrier Comcast Spotlight Tony Tank Tribe of Red Men Lodge #149

Good Samaritans David Englehardt/Capital One Fairfax Station Enterprises, LLC American Legion Post 64 Tom Robinson Charles Brenner, DDS Hebron Savings Bank Duane Larmore David & Melanie Smith Shore Appliance Connection, Inc. Lifetime Masonry Tri-State Engineering of Maryland Louise Smith Holt Paper & Chemical Company Marty Neat Insurance Women’s Assoc. of the Mid-Atlantic Heating & Eastern Shore Air Conditioning, Inc. PRO Coat, LLC. Otway, Russo & Rommel, P.C. Salisbury Elks Lodge B.P.O.E. # 817 Patrick and Nancy Lemley Charles R. & Ruby Dashiell Patrick F. and Althea J. O’Connor Market Street Inn, LTD. Pete Richardson Auction Sales, Inc. Fraternal Order of Police, Law Officers of Wicomico Robert & Diana Dickey Gillis Gilkerson Inc. Robert A. Eaton Bailey’s Taxi Service Robert W. Nock Insurance Agency, Inc. Baxter Enterprises, LLC. Royal Plus, Inc. Bill and Susan Satterfield Susanne Morris Burnett-White Tire and Auto The Bank of Delmarva Community Foundation of the Eastern Shore The Shannahan Water Company Inc Community Pharmacy Thomas & Susan Robinson Cooper Insurance Agency Inc Weisner Real Estate DJH Enterprises VII, LLC (Merry Maids)

Friends K.C.S. Ltd, Del-Mar-Va Beauty Academy James M. Crouse, DDS PA Charles Brown Glass Company HVAC Services Unlimited, Inc. David B. and Lynn C. Douse Werner L. Gruber Ennis Plumbing & HVAC, Inc.

Reflects Donations Received as of December 31, 2012

The Salisbury Jaycees FoundationThe Salisbury Jaycees Foundation, Inc. was formed in 1975. Its primary purpose was to assist the Salisbury Jaycees with fundraising

for their annual Children’s Shopping tour. Over the years, thanks to the support of our generous sponsors, the foundation

continues to make an important impact in our community.

For more information about the foundation and its mission visit us online at

www.SBYJCFOUNDATION.org

Our Board of DirectorsDavid Robert Smith, President

--------------------------------Duane Larmore, Vice President

Melanie B Smith, TreasurerBrenda Price, Secretary

Jim Carpenter, Board MemberPete Hughes, Board MemberJay Pepper, Board MemberJack Trader, Board MemberJim Farwell, Board Member

ROBERT G. “BOB” ANDERSON

CERTIFIED FINANCIAL PLANNER™

Call Today for a Free Initial Consultation

FINANCIAL PLANNING

INVESTMENTS & IRA’S

LONG-TERM CARE INSURANCE

Securities and Advisory Services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC

(410)

912-4286www.delmarvawealth.com

WEALTH MANAGEMENT, LLC

SALISBURY AREACHAMBER OF COMMERCE

Home DepotRep: Dan Silverman115 Northpointe Dr., Salisbury410-548-9800danny_silverman@homedepot.comwww.HomeDepot.comSince 1978, Home Depot has been

providing the tools and materials for home owners and home improvement professionals. Get all of your home im-provement needs here.

Michael B. Mathers, P.A.11107 Manklin Meadows, Ste. 1-AOcean Pines, MD 21811443-735-6144, 410-208-1562 (fax)[email protected] Firm of Michael B. Mathers,

P.A., a dedicated Estates & Trusts and Elder Law firm located in Ocean Pines. Why choose a dedicated Elder Law attorney? Unlike hiring a lawyer for a criminal or personal injury matter, clients expect to develop an ongoing relationship with an attorney working on their end of life plans. That is why Michael Mathers takes a comprehensive approach to aging and estate planning legal services. Whether you’re just starting out and planning for the future, or need to respond to a sudden life change, call our office to see how we can help you.

Tom Prunty - State Farm Agent

Rep: Tom Prunty1506 S. Salisbury Blvd., [email protected] mission is to help people man-

age the risk of everyday life through our products and commitment, recover from the unexpected with our personal service and company resources and re-alize their dreams by mapping out and instituting a financial plan that meets

the personal, unique needs of each and every customer.

Right At Home

Rep: Michele Andrews123 – C Camden St., Salisbury410-213-2505, 410-749-4900 (fax)[email protected] at Home has been serving

patients for 17 years across the United States. We are locally owned here in Salisbury and serve Wicomico, Somer-set, Dorchester and Wocester counties. We specialize in assistance with bath-ing, grooming, meal prep, medication reminders, doctor reminders and organi-zation, light housekeeping and transpor-tation. Our vision is to keep everyone living at home safe and independent as long as possible. We can also assist with transitions once living at home is no longer an option.

Wavelength Information ServicesRep: Drew Phillips504 Franklin Ave.P.O. Box 739, Berlin410-629-0913, 410-629-0918 (fax)[email protected] Information Services

works locally and across the Mid-At-lantic region with physicians, hospitals, and small businesses to help adopt, implement or upgrade information tech-nology systems. Our services include new technology installation, consult-ing, custom application development, security assessment, training and sup-port. Wavelength is a state designated Management Service Organization (MSO) specializing in the implemen-tation of Electronic Health Records (EHRs) and connectivity to the state Health Information Exchange (HIE) in physician offices, hospitals and other healthcare settings.


Need a Loan for Your Business?If you accept credit cards, you qualify for a merchant cash advance. We have money ready to lend with no credit check!

FREE NO OBLIGATION CONSULTATION AND QUOTE

Call Andrew Stump Now for a FREE Consultation

(302) 524-8000 or TOLL FREE: 877-508-2831 • FAX: 888-406-6926

Offices in Frankford & Lewes, [email protected]

MPI PROVIDES THE SERVICE YOU EXPECT AT A PRICE THAT YOU CAN AFFORD!

WE’VE PARTNERED WITH TOP INDUSTRY VENDORS TO OFFER YOU THE BEST PRICES AND SERVICE IN THE NATION!

Our hosts, the team at Courtesy Chevrolet Cadillac, with Ray Nordstrom (far left), and new General Manager Mark Velero (far right).

Business After HoursCourtesy Chevrolet Cadillac

On Thursday, Jan. 17, Courtesy Chevrolet Cadillac hosted a Business After Hours networking event at their showroom located at 2531 N. Salis-bury Blvd. Chamber members and guests dined on lite fare items from the Worcester County Developmen-tal Center, and were entertained by guitarist Jimmy Rowbottom as they walked through the showroom.

Host, Ray Nordstrom, gave guests a bit of history about this longtime chamber member, discussed what to expect in the future, and took the op-portunity to introduce his new General Manager, Mark Valero.

For more information about Cour-tesy Chevrolet Cadillac, visit their web-site, www.courtesyofsalisbury.com.

Carlos Mir of Women Supporting Women, Millie King of Flex-era, prospective chamber member Jerry Beauchamp of Local Eats & Drinks, Mary Henderson of Women Supporting Women

New representative of Wilgus Insurance – Alex Wight, Ray Nor-dstrom – president of the Courtesy-Midway Automotive Group, chamber board member Ed Wilgus of The Car Store, and C.R. Murphy of Wilgus Insurance


• USPS Certified Postal Consultants • Targeted Mailing Lists

112 Moss Hill Ln • Salisbury, MD 21804410-749-1885 • 1-800-356-5923 • F: 410-749-9054

www.mailmovers.net

Equipment Service & SalesBETTER MACHINES • BETTER PRICES

SUPERIOR CUSTOMER SERVICE

FULL COLORPOSTCARDPRINTING

The most economicalway to advertiseyour business!

Serving Delmarva For Over 35 Years

• Design• Print• Mail

“Say It With Flowers”

Valentine’s Dayis coming!We offer complete floral service to satisfying customers

Your Florist, Inc.Your Florist, Inc.

Your Florist, Inc.Your Florist, Inc.YYYYY

Mail MoversPO Box 2494 • Salisbury, MD 21802

410.749.1885 • 1.800.356.5923 • F: 410.749.9054

PRSRT 1ST CLASS

US POSTAGE

PAID

MAIL MOVERS

HVACUnlimited.com •410.123.4567

1234 Main Street • Salisbury, MD

Hours: M-F 7am-6pmHVAC Unlimited

FREEFor First CustomerEstimate

D 21802

923 • F: 410.749.9054

PRSRT 1ST CLASS

US POSTAGE

PAID

MAIL MOVERS

m •410.123.456

t • Salisbury, MD

7am-6pm

CustomerEsttttitiiimmateEsststtttititiiimmatatete

A LOCAL LANDSCAPING COMPANYNo Jobs Too Small • No Jobs Too Big

Garden Landscaping

Koi P

ond

Flower Garden

The Intelligent Choice For:Digital Metering Systems • Folder/Inserters

Mailing Automation Software • Parcel Shipping & Tracking Addressing Systems • Tabbers • Paper Folders

Letter Openers • Mailroom Furniture

Information courtesy of Comptroller of the Treasury, Retail Sales Tax Division.

Salisbury-Ocean City-Wicomico Airport

Wicomico County Sales Tax Collections by category

Airline Passengers Enplaned/Deplaned

National, State, County Unemployment Rates Jun Jul Aug Sep Oct Nov

National 8.4 8.6 8.2 7.6 7.5 7.4Maryland 7.2 7.1 7.0 6.5 6.3 6.4Wicomico 8.6 8.3 8.2 7.8 7.8 8.3Salisbury 9.3 8.9 8.9 8.6 8.0 8.6Worcester 8.2 7.8 7.6 7.9 9.7 13.9

Somerset 10.7 10.0 9.6 9.3 9.0 9.8

Information courtesy of the Maryland Job Service at the One Stop Job Market. (Not seasonally adjusted.)

Food & Beverage

Apparel

General Merch.

Automotive & Oil

Furniture & Appl.

Building Supplies

Utilities & Trans.

Hardware & Equip.

Miscellaneous

TOTAL

November ‘12

$1,352,146

$275,621

$1,414,130

$388,433

$152,649

$615,476

$388,916

$152,694

$588,923

$5,328,989

December ‘11

$1,178,701

$308,721

$1,878,195

$421,972

$183,566

$514,722

$380,641

$154,743

$520,810

$5,542,071

December ‘12

$1,205,097

$320,033

$1,805,081

$379,135

$174,139

$531,658

$375,896

$146,791

$513,553

$5,451,382

The number in the right column is the percent-age of change in passenger activity compared to the previous year.

Barometer January ‘12 . . . . . . . . 11489 19.6

February ‘12 . . . . . . . 11,158 26.9

March ‘12 . . . . . . . . .13,059 22.1

April ‘12 . . . . . . . . . . . 13,117 24.3

June ‘12. . . . . . . . . . .13,466 -0.3

July ‘12 . . . . . . . . . . .14,916 -2.5

August ‘12 . . . . . . . . .13,399 -5.8

September ‘12. . . . . . 11,313 -13.0

October ‘12 . . . . . . . .11,007 -1.12

November ‘12 . . . . . .12,489 13.4

December ‘12 . . . . . . 11,466 -.06

Allegiant Air Service ended January 6


Delmar Villa Assisted Living to hold grand opening on Feb. 7

Delmar Villa Assisted Living, owned by Kelli Davey, is proud to announce its grand opening on Thurs-day, Feb. 7, from 4 to 8 p.m.

The evening will feature live jazz, a wine and cheese reception and grand tours. Delmar Villa is conveniently located in Delmar, next door to the existing Delmar Manor Assisted Liv-ing, also owned and operated by the Davey’s.

Delmar Villa is two miles from Route 13, on East Line Road, close to the Delaware/Maryland state line.

The Lower Shore community has embraced home style assisted living. Delmar Villa brings all the best prac-tices of “The Davey’s Way” by pro-viding upscale senior living amenities without the upscale price.

“We will offer a new concept in as-sisted living – all the amenities of the large hotel style assisted livings such as 2 bedroom suites, a movie theater, hair salon and choice dining, while maintaining the small home-like feel with just 16 residents. It is our belief that people deserve to be treated with dignity and respect and we have taken

that up a notch with a major emphasis on customer service. We pride our-selves on honoring the whole person, ranging from treating physical and medical care needs, creating a social atmosphere to enjoying companion-ship, as well as a nurturing spiritual enrichment. Whether you want to visit your loved one by lounging in our parlor, or sit back to watch movies in our high-tech movie theatre, or just relax and play cards in our recreation room, it’s your choice to simply en-joy,” said Kelli Davey.

Can you imagine how it feels to be catered to, for your daily needs? Del-mar Villa’s unique hospitality service is another way residents are honored during their golden years.

The hospitality service will feature Sarah who will be available to lend a helping hand with daily chores, to plan a trip or a social event, or simply to deliver fresh linens and towels.

All this extra TLC comes with no extra charge or hidden fees.

To attend the grand opening on Feb. 7, RSVP at 410-543-4354.

Learn more on tax free incomeFor most people, the bulk of their re-

tirement income will be taxable, mostly at ordinary income tax rates. The corner-stone of retirement planning has been the qualified plan, such as an IRA or 401(k) where a deduction is taken today, taxes on earnings are deferred, and income is taxed when received. A great idea, but only if the tax bracket at the time of receipt is lower than when the contribu-tions are made. Not only does one pay tax on the original contributions, but earnings are taxed as well.

A traditional retirement savings plan does not work very well if taxes in-crease. So, will taxes rise in the future? We have just passed the “fiscal cliff,” but didn’t Congress just kick the can down the road? We have unprecedented debt and spending is out of control. Only about 50% of Americans pay income taxes, and the same percentage receives some sort of assistance (many are justifi-ably entitled). Add the trouble we are likely to have with Social Security and Medicare and it sure seems like a likely

scenario for a tax increase. This may be the time to consider structuring tax free income strategies. An ideal plan would have you pay taxes now, while in a low-er bracket, defer taxes on future earnings, and allow you to take income tax free.

Let’s define tax free. Truly tax free income would never result in tax when income is received. Truly tax free in-come would not subject your Social Security benefits to taxation. Traditional taxable retirement income can result in as much as 85% of your Social Security benefits being taxed - at your regular rates. Seemed like a tax when you paid into the program, sure seems like it’s be-ing taxed again. Properly structured, you can have income at retirement that will be completely tax free. There will be a one hour workshop on the subject of tax free income strategies at the Salisbury Chamber office on Thursday, Feb. 28 at noon. Steve Smith will be presenting and a light lunch will be provided. RSVP to 410-546-9725 or [email protected].

The value of a cash advanceby Andrew StumpMercantile Processing Inc.

Money makes the world go round. It pays for staff, buys equipment, makes repairs. When money is abundant every-thing is great. However, in seasonal areas those great times fluctuate greatly. What happens when you are in the dead of the off season and your oven breaks down? If you need to repair damage to your building or are just looking to renovate before college students come back to town? If you’re lucky you have enough capital or a line of credit to handle these situations. If not, a cash advance is the perfect solution.

A cash advance is a micro loan based on a business’ average credit card pro-cessing volume. A typical cash advance loan is 100% of the average monthly volume of a business based on a 4 to 6 month assessment. This is paid back during the course of 4 to 12 months with deductions coming directly from your processing deposits. This allows loan repayment in the off season to be ex-tremely convenient and reasonable while

business is slow. While this can and has been a great

solution for many business owners there are a few things you should be aware of. If you are planning on switching to a new credit card processor, do so before getting a cash advance. Once the loan is deposited in your account you are locked into that processor for the duration of the payback period. Loans of this type do not always have the best rates either, and will not be able to compete with a loan from your bank should you be able to get one.

While your business’ credit card pro-cessing account can appear to be expen-sive or troublesome, it can be a vital tool. Make sure you are with the processor you want to be with before taking on a loan and make sure the terms of that loan don’t require you to change your proces-sor. A cash advance, done with the right company, can be a quick infusion of capital into your business when you need it the most, while, most importantly, pro-viding a flexible payback plan that sticks with your budget and revenue.

SCORE helps local businessesThe Service Corp of Retired Ex-

ecutives (SCORE) was formed in 1964. The Lower Shore Chapter, which was formed in 1976, is based out of the Salisbury Area Chamber of Commerce building.

SCORE provides free mentoring and counseling sessions for those who want to start a business and for those who want to take their business to the next level.

A lot has changed since 1964. SCORE mentors are not just retir-

ees, but also include a variety of active business men and women who are will-ing to share their knowledge.

SCORE also offers e-mail counsel-ing sessions to accommodate a wide variety of individuals who can’t meet on a 9-5 basis.

If you have years of business experi-ence and would like to help by being a mentor, visit www.score.org/volunteer.html to learn more. For more general information and to sign up for a mentor-ing session, visit www.score.org.

Finance


By Al Higgins

On Jan. 10, business leaders from Wicomico County and beyond met at Wor-Wic Community College to dis-cuss the economic future of our area. The morning-long sessions opened with remarks by Salisbury Area Chamber of Commerce president Sandy Fitzgerald-Angello and Dr. Ray Hoy, president of Wor-Wic Community College.

Chris Kreicker, director of investments advisory services for Wilmington Trust, gave a very entertaining and energetic discussion outlining his views of the global, national and regional economy. He stated that the one aspect of the fiscal cliff negotiations that will immediately affect people is the 2 percent increase in the payroll withholding tax. He em-phasized that any growth in business will be very slow due to the inability or unwillingness of Congress to address the problems that are dragging our economy down. As an example he discussed the fact that credit is very hard to come by, and without it we will not see significant growth.

Kreicker believes the inflation rate over the next seven years will be about 2.4 percent and for increased economic growth we must look at being energy independent. This is something he be-lieves can occur within the next 20 years if Congress supports the effort. He sees an increase in demand for both services and goods, as well as an effort to produce new and better storage battery technol-ogy. He ended his talk by saying that Baby Boomers will not be content to re-tire and sit at home on the couch. Rather, they will continue to be productive during their retirement years.

Health Care Reform in 2013 was ad-dressed by a panel comprised of Chris Hall from PRMC, Mike Robbins from the Maryland Hospital Association, and Chris Keen from Keen Insurance. Robbins discussed the impact of the Affordable Health Insurance Act (ObamaCare). Of particular interest is that the law expands eligibility to Medicaid to 133 percent of the poverty level. Hospitals have devised a plan called the Triple Aim, in which they will strive to improve a patient’s experience, to improve the health of the general population and to reduce per cap-ita costs of health care. They are attempt-ing to hold the annual increase in per patient costs for services to 3.6 percent.

Hall discussed that Moody Financials is somewhat negative on the health care industry, perhaps due to the uncertainty surrounding the new health care legisla-tion. He noted that rather than focusing on the total number of patients serviced by PRMC that they will grade themselves on the best possible patient care. He not-ed that many more physicians are choos-ing to become employees of the hospital rather than having their own practices and that it is difficult to attract medical pro-fessionals to Delmarva.

Real estate and construction was ad-dressed by Bill McCain of W. R. Mc-Cain & Associates and Doug Marshall of Marshall Real Estate and Auctions. Mc-Cain is seeing a gradual increase in new construction and sales of existing homes are beginning to rise. Home inventories are falling and the price of both new and existing homes is beginning to increase. He stated that this is a good time to buy

a home.He believes the worst is over and

we’re now looking at the best home prices in the past six years. He believes that Delmarva will continue to be a viable second home market. Marshall discussed the foreclosure debacle that has impacted so many Eastern Shore property owners. He pointed out that whenever a property is foreclosed upon all neighboring homes lose value. “Let’s say that you purchased your home for $250,000, and your neigh-bor purchased his some time later for $400,000,” he said. “During the period from when you bought your home and your neighbor bought his, your home had appreciated in value to $400,000. If your neighbor defaults on his mortgage and the bank buys the home and then sells it for $250,000, your home is then reduced in value to the same amount. You have lost all the equity in your home when the reduced priced sale becomes the value of homes in your neighborhood.”

The final agenda item was a panel discussion concerning Key Regional In-dustries. Ward Barney, COO of Cadista, led the discussion with an overview of Cadista, a pharmaceutical manufacturer and distributor in Salisbury. The company has expanded from 24 employees to 259 and they are currently looking to hire 17 more. The company is building an addi-tion of 90,000 square feet and they are looking at increased growth over the next two years. Last year the company grew by 200 percent.

Earl Vance, Maryland Secretary of Agriculture, discussed the importance of grain prices on Delmarva’s poultry indus-try. “The industry supports 16,000 jobs, and there are about 1,400 independent poultry producers in the region. It will be difficult for the industry to grow with cur-rent corn prices. Despite all that is grown here we still have to import 50 million bushels of corn each year. Of that, 85 to 95 percent goes into chicken production.”

He also pointed out that very few chicken houses are being built and this is a cause of concern within the industry. He does not see an increase in chicken house construction until the market im-proves. Grain prices, much of it due to government mandated ethanol production, will continue to drive up corn prices.

Steve Miller, Wicomico County Tour-ism assistant manager, informed the audience that his department is primarily funded by a 6 percent tax imposed on hotel guests. The funds are used to spon-sor many sporting competitions and other special events.

In all, approximately 268,000 people visited Wicomico County in 2012 to partake in these events and, in doing so, over 27,000 hotels rooms were booked. The total economic impact is more than $17 million. A few of these activities are Pork in the Park, wine and beer festivals, the USSSA girls softball tourney, the wrestling and basketball competitions and the poodle show at the Youth & Civic Center.

seasoned veterans.

If you know the Bay, know the Bank.

109 Poplar Hill AvenueSalisbury, MD 21801www.baybankmd.com410.334.3636

Get to know our teamof business experts.

Economic Forecast: economy showing some improvement

Following the Economic Forecast pro-gram, Dr. Bob Wood, dean of Salisbury University’s Franklin P. Perdue School of Business spoke at the chamber’s General Membership Luncheon. Dean Wood covered a range of topics relating to the impact of the presidential elec-tion on the economy from a global to a regional viewpoint.


Journal Healthcare

By Dr. Kristin L. Wilson and Allison AdkinsChesapeake Hearing Centers,

We enthusiastically welcome companions to accompany patients throughout the hearing evaluation and treatment process. While hearing loss is a physical impairment, the social result is a “communication disability.” We jokingly sometimes say, “Hermits don’t need hearing aids.” 99.9% of our patients get hearing aids because they want to hear people better, especially their closest companions.

The people we live with are our most important communication part-ners. We rely on them for informa-tion, entertainment and basic human contact. These are the people we spend most of our time with and conse-quently are the most important to us. We share our hopes, frustrations, fears, excitement, and day- to -day lives with them. Hearing well is crucial for this most important human connection to flourish.

Companions are also important during the evaluation. Hearing loss is gradual, and it is rarely painful. It is so gradual that often the individual doesn’t even realize it is happening. The companions usually recognize the initial symptoms when the individual misunderstands or struggles in certain situations.

As the loss progresses, the compan-ions often feel frustrated by having to repeat themselves, listen to the TV too loud, or help “fill in the blanks” in so-cial situations.

On the other hand, the person with hearing loss probably doesn’t recog-nize the depth of his loss. It just ap-pears that others aren’t speaking loud-ly or clearly. People with hearing loss may not realize how much they miss and that can become a point of conten-tion in their relationships with those closest to them. Companions can be very helpful in describing these issues during the appointment. The audiolo-gist can then help sort out how hearing loss may or may not contribute to the communication problems.

Further, hearing loss can be com-plicated. There may be other issues such as poor speech understanding, processing (neurological) disorders, or medical issues that complicate the prognosis. Again, that special compan-ion needs to be present to understand what can and cannot be done to serve the patient.

Hearing aids are not a cure; they do

not bring dead nerve cells back to life. If hearing aids are prescribed, both patient and companion need to under-stand what they can and cannot do. Understanding the patient’s hearing loss, accepting realistic expectations, and learning other communication strategies are often just as important to success as being fit with hearing aids.

To complicate the issue, amplifica-tion is expensive. Both the patient and companion must decide what invest-ment is right for them.

The companion helps us decide what the patient’s lifestyle is like so that we know what level of technology is best. All our patients receive trial periods with their instruments, and the companion is critical in determining our success in meeting communication goals.

By having the “same knowledge base,” families are able to go through the trial period in a much more ef-fective way. Sharing insights and experiences with the professional on follow-up visits is extremely helpful in making adjustments and discussing alternative strategies.

Evaluating hearing loss, recom-mending an individualized solution, going through the fitting of instru-ments, making follow-up adjustments, understanding benefits as well as limitations, and adopting other strate-gies for improved communications constitute a process not a momentary transactional event.

The results are well worth the ef-fort, and those results are immensely enhanced when the patient and com-panion work together as a team with their provider.

We enthusiastically encourage pa-tients to bring their significant others with them to appointments. You will be glad you did.

To reach Chesapeake Hearing Cen-ters, call 410-546-9552 or visit www.helpyourhearing.com.

A companion may help during your hearing evaluation visit

Dr. Kristin L Wilson, Au.D., F-AAA., CCC-A

Clinical Audiologist

Allison Adkins, H.A.D.Hearing Aid Dispenser

KOPNISKY RECEIVES AWARD - Gerard Michael Kopnisky, is the final 2012 recipient of a Certificate of Excellence from the Wicomico County Executive’s Council on Fitness and Healthy Living. Fitness Council Chair Tom Brown presented Kopnisky with the certificate at the Fitness Council’s meeting on Nov. 13, 2012.

Kopnisky was born with a “serious mix” of heart defects that have resulted in nu-merous open heart surgeries since he was 7 months old. “I wasn’t even expected to survive. One thing the doctors did say was the less I weigh, the less work my heart will have to do,” Kopnisky said. Gerard Kopnisky, now 41, is a chef and acknowl-edges that in his profession maintaining a healthy weight is a struggle. At his highest, he weighed 258 lbs. His motivation to lose the weight and live a healthy and active life comes from his wife and two sons. Kopnisky changed the types of food that he eats – focusing on whole foods, fruits and vegetables and eliminating all pre-made, processed foods. Every day, regardless of the weather, Kopnisky walks two miles in 22 minutes. Since losing weight he has improved cardiac function and feels more up-beat. He now weighs 198 lbs. To nominate someone who has made a positive differ-ence by improving their health, email their story to [email protected].


eastonmd.expresspros.com

• Professional search • Office services• Career placement • Industrial • Temporary • Contract staffing

Peaking workload. Or full-time growth.Need short-term workers today? Or dedicated employees to build your tomorrow? Express is your number one resource for both. We regularly recruit for top-notch workers in a variety of industries. We’d love to solve your employment challenges. Call us today.

(410) 860-8888

PRMC improves patient careBy Al Higgins

Peninsula Regional Medical Center (PRMC) has been studying ways in which they can improve patient hospital stays, as well as increase the amount of time medical professionals actu-ally interface with patients. Mary Beth D’Amico, vice-president of Patient Care Services/Chief Nursing Officer has un-veiled a plan to achieve both of these objectives.

During the summer of 2011, 2,000 staff hours were spent in Kaizen work-shops. The workshops focused on re-defining processes, identifying wastes, interruptions and barriers, brain storm-ing plans and indentifying “swim lanes” for bedside care and nursing support processes.

An analysis of nursing duties showed that they spent 67 percent of their time at their nursing station, 5 percent in a hallway and only 28 percent of their time actually at a patient’s bedside.

A Care Partner Staffing Plan was developed which called for a ratio of 1 RN/CNA per patient, 1 Patient Care Assistant for each unit, Charge Nurse without patient care assignment 24/7 and an increase in Clinical Manager presence on each unit.

As a result of these changes, nurses now spend 43 percent of their time at

a patient’s bedside, 37 percent on the unit, 19 percent at the nurses’ station and only 1 percent of their time off the unit.

Other significant changes include a policy in which a “no pass zone” has been established. This means that when-ever anyone in the unit sees a patient’s call light on they will respond immedi-ately.

When there is a shift change taking place the condition of the patient will be discussed with the oncoming medical team in front of the patient and family members of hospitalized patients will be permitted to accompany the physician when making rounds.

Other significant changes deal with a liberalization of when family members can call, or receive calls pertaining to the condition of loved ones and a much more detailed discharge process, which ensures that out-going patients and fam-ily members of that patient have a thor-ough understanding of what is expected of them, and what they can expect, once they get home.

With or without Obamacare, the health care industry in America is changing and PRMC is striving to pro-vide the best comprehensive health care possible. Our community is fortunate to have such an organization serving our medical needs.

Keynote Speaker, Chris Kreicker, CFA, director of investment advisory services for Wilmington Trust. The 2013 Regional Economic Forecast was held Thursday, Jan. 10 at Wor-Wic Community College. Hosts included the Salisbury Area Chamber of Commerce, Wor-Wic Community College, University of Maryland Eastern Shore, Salisbury University’s Franklin P. Perdue School of Business and the Small Business Development Center, and Tri-County Council for the Lower Eastern Shore. The event was sponsored by M&T Bank. Continental breakfast was sponsored by Bradley Gil-lis – Sperry Van Ness.

Panel discussion on Health Care Form in 2013 and beyond. From left: Chris Keen, Keen Insurance, Mike Robbins, senior vice president for Financial Policy & Advo-cacy, Maryland Hospital Associations, and Chris Hall, vice president of strategy and business development/chief business officer, Peninsula Regional Medical Center.

Economic Forecast


Journal Education

Business Journal -- February 2013 Issue

CO

NT

INU

ING

ED

UC

AT

ION Start Here...Go Anywhere!

Prepare for a new position or gain theskills to take your career to the next levelby taking non-credit courses offered byWor-Wic Community College. Classesare starting soon in:

Continuing Education& Workforce Developmentwww.worwic.edu(410) 334-2815

Business & LeadershipChild CareComputers & TechnologyFloristry & LandscapingHealth & SafetyHospitality & CulinaryIndustry, Trades & ManufacturingInsurancePersonal EnrichmentReal EstateTransportationVeterinary Assistant

Leadership Maryland graduatesThree Salisbury area leaders recently

graduated as members of the Leader-ship Maryland Class of 2012.

They are Dr. Clifton Griffin, Salisbury University dean of graduate studies and research; Dr. Memo Diriker, founding director of the Franklin P. Perdue School of Business’ Business, Economic and Com-munity Outreach Network (BEA-CON); and Kathleen Mommé, executive director of United Way of the Lower Eastern Shore.

Established in 1992, Leader-ship Maryland is an independent, educational, non-profit organization designed to inform top-level executives, from the public and private sectors, about the critical is-sues, challenges and opportunities facing Maryland and its regions.

At SU, Griffin provides adminis-trative oversight of SU’s new Doctor-ate of Nursing Practice, 14 master’s degrees and five post-secondary certifi-cate programs.

At BEACON, Diriker advises a large number of private, public, and nonprofit sector organizations, specializing in the use of scenario analysis and in demo-graphic, business and economic trend forecasting.

At the United Way of the Lower Eastern Shore, Mommé oversees an an-nual campaign raising over $1 million for 60 community programs in Wicomi-co, Worcester, Somerset and Dorchester counties.

UMES names new VP Dr. G. Dale Wesson has joined the

UMES administration as vice president for research and economic develop-ment.

Wesson spent the past three years at South Carolina State University in Or-angeburg, where he most recently held a Samuel P. Massie Chair of Excellence Professorship in Sci-ence and (nuclear) Engineering, one of 16 such endowed

professorships in the nation.He previously served as vice presi-

dent of research, economic develop-ment and public service and executive director of S.C. State’s land-grant pro-gram.

Wesson is a registered professional engineer with a decade of industrial experience, most of which came at the Dow Chemical Co., where he oversaw production of its Heat Transfer Fluids plant in Midland, Mich.

Prior to working at S.C. State, Wes-son was associate vice president of research at Florida A&M University in Tallahassee and from June 2008 through May 2009, served as FAMU’s interim vice president for research.

He holds a bachelor of science de-gree in chemical engineering is from the Illinois Institute of Technology and a master’s in the same discipline from the Georgia Institute of Technology.

His doctorate in chemical engineer-ing is from Michigan State University.

SU faculty member is observer As presidential candidates Barack

Obama and Mitt Romney heated up their campaigns in late October, Todd Becker kept a close watch over the election.

Only it wasn’t the one happening in the United States.

Through the Or-ganization for Secu-rity and Cooperation in Europe (OSCE), Becker, faculty in Salisbury Uni-versity’s Conflict Analysis and Dis-pute Resolution, Po-litical Science and Sociology depart-ments, was one of some 600 volunteers from the 57 OSCE member states tasked with observing parliamentary elections in Ukraine to help improve the system.

OSCE-appointed volunteers oversaw and made observations on the election process.

Long-term observers traditionally begin the process about a month in advance of the election, watching the lead-up campaign, ballot preparation and delivery.

Short-term observers arrive shortly before Election Day and are assigned to cover specific election precincts in teams.

Becker was part of a short-term team, together with a retired Norwegian police supervisor, assigned to the coast-al city of Odessa, where he and his col-leagues were asked to randomly select 20 polling places to observe throughout the day.

In all, Becker spent some 26 hours observing the election, including an Election Day stretch that lasted from 5:30 a.m. until about midnight.

Diriker

Wesson

Griffin

Mommé

Becker

SU FACULTY HONORED - Their former students call them “motivational,” “amaz-ing,” “dedicated” and “inspiring.” This year’s Salisbury University Alumni Association Faculty Appreciation Award winners are all that and more. Four were honored with the accolade during SU’s recent 87th-year Winter Commencement. They include Drs. T. Paul Pfeiffer of the Charles R. and Martha N. Fulton School of Liberal Arts, Ju-dith Stribling of the Richard A. Henson School of Science and Technology, Ken Smith of the Franklin P. Perdue School of Business, and Teena Gorrow of the Samuel W. and Marilyn C. Seidel School of Education and Professional Studies. Pictured from left are Pfeiffer, Stribling, Gorrow and Smith.


Mitzi Perdue made her first big mediadeal as a teenager. While her parentswere out, she signed papers allowingthe exterior of their Boston home to beused in a scene for the Disney movieThe Parent Trap. The experience alsoincluded a role as an extra in the film,for which she was paid $10. It was herfirst time in front of a camera.

More than 50 years later, she has stoodbefore many cameras and microphones,and logged countless hours on wordprocessors and computers. As a result,she has become a celebrated writer,humanitarian, businesswoman,broadcaster, programmer, softwaredeveloper, and designer of hand-carvedand painted eggs.

We are happy to welcome MitziPerdue back to Salisbury University —from which she received an honoraryDoctor of Public Service in 2008 — tokeynote this year’s Women’s HistoryMonth celebration, “Women in Power.”Her talk is 7 p.m. Wednesday, March 6,in Perdue Hall’s Bennett FamilyAuditorium.

Shaped by her parents’ values andwork ethic, including her father’s effortsto promote racial equality and his strongbelief in fair treatment, the HarvardUniversity graduate has dedicated herlife to civic causes. An entrepreneur whobought and managed rice farms andvineyards in northern California, she is apast president of the 35,000-memberAmerican Agri-Women organization andwas a U.S. delegate to the UnitedNations Conference on Women inNairobi. Locally, she established a 10-year initiative to encourage healthierlifestyles on the Delmarva Peninsula.

A prolific writer, she has pennedmore than 1,100 newspaper andmagazine articles, and produced andhosted more than 400 episodes of thehalf-hour interview show, Mitzi’sCountry Magazine, on KXTV inSacramento, CA. In addition, shehosted and produced more than 300 editions of the syndicated programMitzi’s Country Comments and hosted aweekly national radio series, Tips fromthe Farmer to You.

Her books include the autobiography I Didn’t Bargain for This!, The I Want toEggScape Book, A Quick Guide toSuccessful Media Appearances, sixcookbooks and a biography of herhusband, the late Frank Perdue. She alsowas an environmental and philanthropycolumnist for 22 years, syndicated tomore than 400 newspapers nationwideby Capitol News and Scripps Howard.

Perdue’s address is just one event inthis year’s Women’s History Monthseries. Drs. Elsie Walker and Judith Pikeof SU’s English Department inauguratethe celebration Monday, March 4, with ascreening and discussion of the filmBright Star at 7 p.m. in TeacherEducation and Technology Center

Room 153. Based on a true story, theAcademy Award-nominated 2009 movierecounts the relationship between 19th-century poet John Keats and hisfiancée, Fanny Brawne.

Poet Francine Sterle continues thecelebration with a reading of her work aspart of SU’s Writers-on-the-Shore series7 p.m. Tuesday, March 12, in theMontgomery Room of the Commons.Sterle is the author of Nude in Winter,The White Bridge and the Tupelo PressEditor’s Prize-winning Every Bird IsOne Bird. Her poems have appeared in anumber of literary journals, includingThe North American Review, Nimrod,The Beloit Poetry Journal and AtlantaReview. They also have beenanthologized in 33 Minnesota Poetsand The Cancer Poetry Project.

Long-time Delmarva televisionnewscaster Kelley Rouse stars asfiercely independent artist GeorgiaO’Keeffe in the production O’Keeffe — Sunset of an Artist 7 p.m. Thursday,March 14, in the Black Box Theatre ofFulton Hall. Directed by NancyMitchell of SU’s English Department,the two-act play, by Martha Furey,depicts the first woman in theAmerican Modern Art Movement inher twilight years as she reminiscesabout her passion for art and life.

Misty Copeland, the first African-American female soloist in more than 20 years at New York’s American BalletTheatre, discusses her distinguishedcareer 2 p.m. Monday, March 25, in theBennett Family Auditorium.

The series culminates with thediscussion “Trailblazers: Changing‘Women’s Work’” 7 p.m. Tuesday,March 26, in the Bennett FamilyAuditorium. We are excited to havepanelists from diverse backgroundsshare their experiences about theirjourneys to success and respect intypically male-dominant fields. Theyinclude NASA engineers LissetteMercado Martínez and Jaya Bajpayee,Salisbury Police Chief BarbaraDuncan, and former Coalition of LaborUnion Women President Kathy Black.We invite those who cannot attend theevent in person to participate in theTwitter conversation using the hashtag #sutrailblazers.

Sponsored by the Women’s HistoryMonth Committee, admission to allactivities is free and the public is invited.For more information call 410-543-6030or visit the SU Web site atwww.salisbury.edu.

We hope to see you in March!

SU CelebratesWomen’s History Monthin MarchBy Moushumi ChakrabortyChair, Women’s History Month Committee

www.salisbury.edu

BusinessJournal_01-13_Layout1 1/18/13 10:57 AM Page 1

Business Journal -- February 2013 Issue

CO

NT

INU

ING

ED

UC

AT

ION Start Here...Go Anywhere!

Prepare for a new position or gain theskills to take your career to the next levelby taking non-credit courses offered byWor-Wic Community College. Classesare starting soon in:

Continuing Education& Workforce Developmentwww.worwic.edu(410) 334-2815

Business & LeadershipChild CareComputers & TechnologyFloristry & LandscapingHealth & SafetyHospitality & CulinaryIndustry, Trades & ManufacturingInsurancePersonal EnrichmentReal EstateTransportationVeterinary Assistant

SNHS UNVEILS NEW BRAND - The a.s.a.p.r Creative Suite hosted a “Reveal Event” at the Community Foundation of the Eastern Shore this past December to debut the new brand and materials developed for Salisbury Neighborhood Housing Services (SNHS) which won “A Suite Dream” grant challenge last summer. Ten organizations, including SNHS, competed to win a mar-keting program and materials valued at $25,000. SNHS received a new website, designs for print advertising, and a commu-nity newsletter template that can be used to send out updates and current information.

Celebrating at the event were the a.s.a.p.r. Creative Suite Team, (back row) Eric Rider of Two Rider Design and Mi-chael Giordano of Spotlight Web Design, (front row) Melissa Hampton of a.s.a.p.r. integrated marketing, Cheryl Meadows, Executive Director of SNHS, Robbie Tar-pley Raffish of a.s.a.p.r. integrated marketing, Jenni Pastusak of SURE PR, Cheryl Nemazie of Studio C. Design + Photography, Inc. and Debi Rus of Rus Design.

A new logo was developed for Salisbury Neighborhood Housing Services to con-vey its mission of helping area families buy homes. The open door and warm green color are meant to convey a warm, welcoming and secure environment.

The Farmers & Planters Co.

Rt. 50 & Mill StreetSalisbury, MD 21801410-749-7151 Phone

www.farmersandplanters.com

FARM - FEED - SEEDLAWN - GARDEN

WILDLIFE

March theme is Agri-businessThe March theme for the Salisbury Busi-

ness Journal is Agri-business. Call Greg English at 302-519-8711 to participate.


Publishing group purchases guideBeach To Bay Publishing, Inc. has

purchased the Chesapeake East Calen-dar Guide. The guide will be rebranded to Beach To Bay Times, and will return in March as a free publication with distribution in over 100 specialty bou-tiques, retail shops, galleries, restau-rants and pharmacies within Dorches-ter, Wicomico, Worcester, Somerset and Sussex counties. Beach to Bay Publishing is led by Molly (Ignasias) Hilligoss who serves as editor-in-chief. Hilligoss, a native of the Eastern Shore, resides in Worcester County with her husband and two children.

Library receives grantThe American Library Association

and Dollar General Foundation have chosen the Wicomico Public Library to participate in the 2013 American Dream Starts @ Your Library national grant program. The library will receive $15,000 to support outreach to county residents who are learning English and becoming citizens. The library is one of

150 American Dream libraries nation-wide, and one of only 11 that received funding in 2012 and 2013. Funds will be used to create a language learn-ing computer lab which will provide access to online language programs, citizenship education programs, basic skills programs and more. Community groups and individuals from throughout the county are invited to provide input on how to maximize benefits from the lab and how to effectively reach out to people who need the service. Contact the Outreach Department at 410-749-3612, ext. 140 with input.

JA recognizes volunteersJunior Achievement (JA) of the

Eastern Shore recognizes Twilley Rommel and Stephens for outstand-ing volunteer participation. Thanks to the employees at Twilley Rommel and Stephens, JA of the Eastern Shore recruited volunteers to teach all of the kindergarten classes at Fruitland Primary. JA volunteers act as men-tors and leaders for area young people. Volunteers serve to teach young people

about business, economics and the free enterprise system. Junior Achievement programs could not have the profound impact they have on young people without the support of volunteers from the business community.

To sign up yourself and/or your business to become JA volunteer(s) in the Eastern Shore area, call your local JA office at 410-742-8112. For details, visit www.ja.org.

Robinson speaks at conferenceSteve Robinson, area president of

RPS ISG International, spoke recently at the Southern California Chapter of PARMA (Public Agency Risk Manag-ers Association). Robinson discussed cyber liability coverages and “How to Protect Your Public Entity against Privacy/ Data Breaches” to insurance agents and risk managers who provide insurance management to counties, cit-ies, and other local government entities in Southern California.

Robinson received his bachelor of arts from the University of South Caro-lina and has been a licensed property

& casualty broker since 1993 and a member of the RPS executive team since 1995. He participated in an ex-ecutive training curriculum at Harvard Business School in 2001 and originally joined RPS ISG International as the marketing manager. He resides in Salis-bury with his wife and three children.

Miller celebrates anniversaryTilghman Oil is

proud to announce that Tom Miller is celebrating 20 years of service.

Miller started as a truck driver and then moved to the head of the agricultural divi-sion in charge of increasing Tilgh-man Oil’s presence in the farming community. He is now the operations manager in charge of scheduling and routing deliveries and service calls.

To reach Miller, call 410-742-7232.

Miller

ADVERTISINGMorning Star Publications, Inc. Greg English 302-629-9788 302-629-9243 mspublications.com [email protected] Norman Eskridge Hwy., Seaford, DE 19973 _________________________________________________________________________________________________________________________________________________________________________ARCHITECTS & ENGINEERSAndrew W. Booth & Associates, Inc. Matthew Smith 410-742-7299 410-742-0273 awbengineers.com [email protected] Northwood Dr., Salisbury, MD 21801 Debbie Bailey [email protected]_________________________________________________________________________________________________________________________________________________________________________Davis, Bowen & Friedel Michael Wigley 410-543-9091 410-543-4172 dbfinc.com [email protected] Plaza East, Suite 200, Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________George, Miles & Buhr, LLC Michelle Everngam 410-742-3115 410-548-5790 gmbnet.com [email protected] W. Main St., Salisbury, MD 21801 _________________________________________________________________________________________________________________________________________________________________________AUTOMOTIVEPohanka Automotive Group Chris Hagel 410-749-2301 410-742-5168 pohankaofsalisbury.com [email protected] North Salisbury Blvd., Salisbury, MD 21801 ext: 8030 ________________ ________________________________________________________________________________________________________________________________________________________Sherwood of Salisbury Matt Romanowski 410-548-4600 410-548-4662 sherwoodofsalisbury.com [email protected] N. Salisbury Blvd., Salisbury, MD 21804 _________________________________________________________________________________________________________________________________________________________________________CONSTRUCTIONMalone Homes Jason Malone 443-260-4775 443-260-1769 malonehomesmd.com [email protected] Box 1109, Allen, MD_________________________________________________________________________________________________________________________________________________________________________Ruark Builders Barbie Hannemann, VP 410-749-0193 410-860-4875 ruarkhomes.com [email protected] Snow Hill Rd., Salisbury, MD 21804 410-677-3835 _________________________________________________________________________________________________________________________________________________________________________FINANCIAL The Bank of Delmarva Debbie Abbott 410-548-1100 410-742-9588 bankofdelmarva.com [email protected] Northwood Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________HEATING AND AIR Mid-Atlantic Heating and Air Debbie Bradley 410-546-5404 410-546-5418 midatlanticheatandac.com db.midatlanticheatandac.com2312 Allen Dr., Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________INDUSTRIAL COMMERCIAL PAINTINGProCoat, PO Box 2154 David Ennis 410-749-7491 443-944-9924 procoatdmv.com [email protected] Siloam Rd., Salisbury, MD 21802

Business Journal Directory

Name Contact Phone Fax Website Email

FEBRUARY 2013 DIRECTORYPG 2

7.5 DEEP


INSURANCEAllstate Insurance Fred Pastore 410-860-0866 410-860-0869 allstate.com/fredpastore [email protected] Naylor St., Salisbury, MD 21804-4333 ________________________________________________________________________________________________________________________________________________________________________Avery Hall Insurance Group Kevin Hayes 410-742-5111 410-742-5182 averyhall.com [email protected] E. Main St., Salisbury, MD 21801 Joe Gast [email protected]________________________________________________________________________________________________________________________________________________________________________Gamee Elliott, State Farm Insurance Gamee Elliott 410-749-4725 410-749-4175 statefarm.com [email protected] 923 Eastern Shore Dr., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________Gary K. Marshall Agency David Galeone 410-651-1111 garymarshallagency.com [email protected] Box 250, 12610 Somerset Ave. Princess Anne, MD 21853________________________________________________________________________________________________________________________________________________________________________Landmark Insurance & Financial Group Charles McClenahan 410-651-2110 410-651-9288 landmarkinsuranceinc.com charlie@30386 Mt. Vernon Rd., Princess Anne, MD 21853 888-651-2111 landmarkinsuranceinc.com________________________________________________________________________________________________________________________________________________________________________RPS ISG International Brad Sutliffe 410-901-0736 410-910-0836 isgintl.com [email protected] Cedar St., Cambridge, MD 21613 ________________________________________________________________________________________________________________________________________________________________________PORTABLE STORAGECubes To Go Betsy Bradford 410-742-2100 410-7423875 cubestogo.com [email protected] Broadway St., Fruitland, MD 21826 ________________________________________________________________________________________________________________________________________________________________________REAL ESTATERemax Crossroads, PO Box 307 Susan Mergargee 443-736-3373 443-736-3379 SalisburyMarylandHomes [email protected] E. Main St., Fruitland, MD 21826 Broker, Owner ForSale.com ________________________________________________________________________________________________________________________________________________________________________SALONBella Blue Salon LLC Keesha Holder-White 410-334-3533 bellablusalon.com [email protected] Pemberton Dr., Ste. H, Salisbury, MD 21801 ________________________________________________________________________________________________________________________________________________________________________TIRE & AUTO CENTERBurnett White Dawn Tilghman 410-742-2222 410-543-4182 burnettwhite.com [email protected] East Main St., Salisbury, MD 21804 ________________________________________________________________________________________________________________________________________________________________________

Business Journal Directory

Name Contact Phone Fax Website Email

FEBRUARY 2013 DIRECTORYPG 3

To Advertise in the Salisbury Business Journal Advertising Directory Call Greg English at 302-629-9788 or email [email protected]

RIBBON CUTTING - A ribbon cutting was held at Dove Pointe recently to help celebrate the grand opening of the Transitional Services Building. State and local officials were on hand, as well as chamber members, Dove Pointe clients and their families, while Executive Director Donald Hackett gave a tour of the facility that helps clients learn job skills to better integrate them into the workforce. For more information about Dove Pointe and their programs, visit www.dovepointe.com.


With an Edward Jones Roth IRA, any earnings are tax-free, and distributions can be taken free of penalties or taxes.* You may even benefit from converting a traditional IRA to a Roth IRA.

At Edward Jones, we spend time getting to know your goals, so we can help you reach them. To learn more about why an Edward Jones Roth IRA may make sense for you, call or visit today.

Dennis W Hopson, CFP®, AAMS®Financial Advisor1411 Wesley DriveSalisbury, MD 21801410-742-3264

*Earnings distributions from a Roth IRA may be subject to taxes and a 10% penalty if the account is less than five years old and the owner is under age 59½. Edward Jones, its employees and financial advisors cannot provide tax or legal advice. Please consult your attorney or qualified tax advisor regarding your situation.

.

MD HVAC #6358 DE HVAC #07324 HOUR SERVICE SINCE 1979

Mid-Atlantic Heating& Air Conditioning, Inc.

2312 Allen Drive, Salisbury, MD 21801

410.546.5404www.mid-atlanticheatandac.com

We Service All Brands Of EquipmentService Contracts • We Recommend Carrier

(Quality & Service Since 1979)

Keith OwensGeneral Manager

[email protected]

As an investor, you may sometimes feel frustrated. After all, your portfolio seems to be at the mercy of the financial markets, whose volatility is beyond anyone’s control. Yet you can control the quality of the investments you own and the diversifica-tion of those investments to improve your chances of at-taining your long-term finan-cial goals. One way in which to do so is to put as much as you can afford, year after year, into tax-deferred investments.

When you contribute to a tax-deferred account, your money has the potential to grow faster than it would if you placed it in a fully taxable invest-ment — that is, an investment on which you paid taxes every year. Over time, this accelerated growth can add up to a big difference in your accumulated savings. For example, if you put $200 each month into a taxable investment that earned a hypothetical 7 percent a year, you’d end up with about $325,000 after 40 years, assuming you were in the 25 percent federal tax bracket. If

you put that same $200 per month into a tax-deferred investment that earned the same hypothetical 7 percent a year, you’d accumulate about $515,000 — or nearly $200,000 more than you’d have with the taxable investment.*

Of course, you will eventually have to pay taxes on the tax-deferred invest-ment, but by the time you’re retired, you might be in a lower tax bracket. Furthermore, depending on how much you choose to withdraw each year from your tax-deferred account, you can have some control over the amount of taxes you’ll pay.

Clearly, tax deferral can be a smart

choice, but what sort of tax-deferred ve-hicles are available?

One of your most attractive choices will be your employer-sponsored retire-ment plan, such as a 401(k). Your earn-ings have the potential to grow on a tax-deferred basis, and since you typically fund your plan with pre-tax dollars, the more you put in, the lower your annual taxable income. If you’re lucky, your employer will even match some of your contributions. Consequently, it’s almost always a good idea to put in as much as you can afford into your 401(k), up to the contribution limits, and to boost your contributions every time your salary increases. In 2012, you can con-tribute up to $17,000 to your 401(k), plus an additional $5,500 if you’re 50 or older.

Even if you participate in a 401(k) plan, you can probably also contribute to a traditional IRA. Your earnings have the potential to grow tax-deferred and your contributions may be tax deduct-ible, depending on your income level. In 2012, you can put in up to $5,000 to a traditional IRA, or $6,000 if you’re 50 or older. (If you meet certain income guidelines, you might be eligible to

contribute to a Roth IRA, which offers tax-free earnings, provided you don’t start taking withdrawals until you’re 59-1/2 and you’ve had your account at least five years.)

Finally, if you’ve “maxed out” on both your 401(k) and your IRA, you may want to consider a fixed annu-ity. Your earnings grow tax-deferred, contribution limits are high, and you can structure your annuity to provide you with an income stream you can’t outlive.

The more years in which you invest in tax-deferred vehicles, the better. So start putting the power of tax deferral to work soon.

*This hypothetical example is for

illustrative purposes only and does not represent a specific investment or in-vestment strategy.

This article was written by Edward Jones for use by your local Edward Jones finan-cial advisor.

Dennis W. Hopson is a financial advisor for Edward Jones Investments. You can reach him at 410-742-3264.

Putting the power of tax deferral to work for youInvestingWhen you contribute to a tax-deferred account, your money has the po-tential to grow faster...

CHAMBER DIRECTOR HONORED - At December’s General Membership Luncheon, that featured our state government’s Lower Shore Delegation, past Executive Direc-tor, Brad Bellacicco, was recognized by both state and local government agencies and representatives from the Chamber’s board of directors for his dedication, service, and leadership in our community, for almost fifteen years, as the head of the Chamber of Commerce.

Regional Business Journal

Documents

Transcript of Regional Business Journal