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NEWMARKET SERVICES

ublisher of 95 U.S. and 32 International Relocation Guides, NewMarket PServices, Inc., is proud to introduce our online version. Now you may easily access the same information you find in each one of our 127 Relocation Guides at

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Wilmington Information Guide [ 5 HOW TO USE THIS GUIDE

he NewMarket Services Information Guide is designed as a valuable resource tool for

Tyou, the newcomer to Wilmington. It is our intent in producing this publication to

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(866) 595-3792 Toll Free From everyone at NewMarket Services Welcome to Wilmington!

6 ] Wilmington Information Guide www.newmarketservices.com Wilmington Information Guide [ Volume 11 [ Number 10 LOCAL INFORMATION The State of Delaware 8 National Health Organization Phone Numbers 12 Area Codes, Important Phone Numbers 13 Travel Information 14-15 About Wilmington 9 Historical Background 10 Neighborhoods 11 Weather 11 Publisher: NewMarket Services, Inc. Things To Do 16-19 President: Patrick Morgan Media 22-23

Managing Editor: Rebecca Wallace MOVING Executive Editor: Jason Gerali Smooth Transitions 25-26 Contributing Writer: Amy Tennant Choosing a Moving Company 25 Packing Tips 25-26 Executive VP Sales & Marketing: Robert Fischer Staying Organized 26 Regional Sales Manager: Beth Hurley Settling Into Your New Home 26 Art Department: Sprague Design What’s All the Talk About? 29 Graphic Designer: Dean Sprague Pre-Move Checklist 30-31 Relocating Your Pet 32 NewMarket On-Line: Total Web Design, Inc. IT and Web Development: Larry Bongiovi MOVING WITH CHILDREN AND EDUCATION Reinforce the Positives 33-34 Research Assistant: Stephanie Cooper, Lora Price Choosing a School 33-34 Circulation: Little Drummer Boy Dist., Inc. Selecting Child Care 35 Phoenix Office: Education 36-39 PO Box 30534 FITNESS & HEALTH Phoenix, AZ 85046-0534 In The Kitchen 41 Phone: (602) 923-3415 Physical and Mental Well Being 42-44 Fax: (602) 923-0774 Volunteering 45 Toll Free: (866) 595-3791 HOUSING Chicago Office: Making the Right Choice 47-48 902 North Ashland Choosing the Right Home 49 Chicago, IL 60622 Housing Options For Growing Active Adults Demographics 50 Phone: (312) 226-6288 Home Inspection Checklist 52 Fax: (312) 226-6290 Homecare Basics for New Homeowners 53 Toll Free: (866) 595-3792 Taking Care of Energy Costs 54 NewMarket currently publishes Information Security 55 Guides for 95 North American and 32 Home Buyer’s Glossary 56 International Markets. To order your Who’s Who in Building 58 NewMarket Information Guides for $3.50 Selecting a Builder 59 each, please contact NewMarket Services toll free at (866) 595-3792. Selecting a Contractor 60 Banking & Mortgage Information 61 In preparing this publication, every effort has been made to assure the accuracy of BUSINESS DIRECTORY the information contained herein, but Business Directory Listings 65 authenticity cannot be guaranteed. Listings are subject to omission, error or change without notice.

All material in this publication is copyright protected and can only be reprinted with permission of the publisher.

Wilmington Information Guide [ 7 THE STATE OF DELAWARE

The Eastern Algonquin tribes called Delaware home before the area was settled by Europeans. The Dutch and Swedish were the first to settle in the area, but their tenure was short lived. The British Philadelphia soon took the area over, and Delaware was part of Pennsylvania for PA NJ a short time. During the Revolutionary War, the state was generally controlled by the British. The state was the first to ratify the US Constitution, hence its nickname of “the first state.” During the Civil War, Delaware remained part of the Union despite being a slave Baltimore state, though the percentage of the population with slaves was small, and most of the northern part of the state was heavily MD Wilmington influenced by the Quakers anti-slavery stance. During the Civil War DL and then the World Wars, industry in the state became increasingly concentrated around manufacturing and chemical production. Atlantic Ocean Chemical and pharmaceutical companies still play a major role in Washington DC the state’s economy, as does banking and insurance. The state VA passed legislation removing many of the restrictions on the interest rates banks can charge customers in the 1980s, which made the Richmond area a haven for many big banks. Also, Dover Air Force Base is a major employer in the state. It’s one of the largest bases in the country, and serves as an entry point and mortuary for military personnel that die overseas. he state of Delaware is located in the northern park of the The climate in Delaware is heavily moderated by the Atlantic mid-Atlantic region of the United States along the Atlantic Ocean. The southern portion of the state is a little milder and more Ocean. It’s about midway between New York City and T agriculturally based. Still, temperatures are very mild in general, the Washington, DC (120 miles to each). The state is the second average low in January is in the 20s and the average high in August smallest behind only Rhode Island in terms of area and covers is in the 80s. The state gets about 44 inches of precipitation a year. 2,491 square miles. It’s only 100 miles long and 30 miles wide, so Delaware has generally low tax rates. It has 6 income tax anywhere in the state is easily accessible in a few hours’ drive. Its brackets between 2.2 and 5.95%, and doesn’t charge customers population was 783,600 in the 2000 census, ranking it 45th in the sales tax. There is also no state tax on property, but counties and country. municipalities may levy taxes. Delaware is bordered by Pennsylvania to the north and Maryland in the south and west. Northeast across the Delaware Bay is New Jersey, and directly to the east is the Atlantic Ocean. The state is very flat; the highest point is only 450 feet above sea level. The “peak” is in northwestern Delaware. The state shares the Delmarva Fast Facts Peninsula with parts of Maryland and Virginia. The northern border STATE MOTTO: Liberty and Independence of the state with Pennsylvania is determined by an arc wit ha 12 POPULATION: 843,524 (2005) miles radius whose origin is a courthouse in New Castle. STATE NICKNAME: The First State LAND AREA: 2,491 sq mi COASTLINE: 187 miles of coastline

LARGEST CITIES: Wilmington, Dover, and Newark

STATE SALES TAX: 0% STATE PARKS: 18

8 ] Wilmington Information Guide ABOUT WILMINGTON

OVERVIEW

elcome to Wilmington; as the city motto says, “A Place to be Somebody.” Wilmington is at the northernmost tip of Delaware and is often considered part Wof the Philadelphia metro area. Most TV and radio stations that Wilmington gets are Philly-based, but the city is distinct enough on its own merits. The city’s population is about 72,000 people. New Castle County, of which Wilmington is the seat, has more than 500,000, which accounts for about two thirds of the population in the entire state. The area was first colonized by the Swedish in the early 1600s, and was progressively taken over by the Dutch and then the British. The pacifist Quakers had a strong influence on the areas early politics, but Delaware still became one of the 13 original colonies to secede from Britain, and was the first state to ratify the US constitution. The population of Wilmington exploded during the Civil War, as did the manufacturing industry, which started cranking out all types of goods to serve troops on both sides. World Wars I and II had a similar effect on the city’s economy, and many of the factories operated 24 hours a day during those times. In the 1980s, Delaware and Wilmington adopted several laws that made it very friendly to banks, including limiting the maximum interest rate a bank could charge customers. This led to many major credit card companies and bancs moving their headquarters to the region, and banking continues to be the most important part of Wilmington’s economy. Bank of America, Chase, and Barclay’s all are headquartered in Wilmington, as are parts of ING and others. The concentration of banking interests made the city the setting for popular novel and movie “Fight Club,” though the city’s name was never mentioned in the film. The other two major industries in the state are insurance and chemical production. American Life Insurance and Blue Cross of Delaware both call Wilmington home, as does Du Pont and Hercules Incorporated. The Du Pont family has been part of the Wilmington landscape for centuries, the company’s founded fled a revolutionary France in 1800 and settled in the city, by the Civil War the company was the largest gunpowder supplier to the US Military. Hercules Inc is actually the result of an antitrust ruling against the DuPont Company in the early 1900s that separated some of DuPont’s interests into different corporations. The climate here is moderate. It’s halfway between Washington, DC and New York City (about 120 miles to each), and the weather approximates this location. There’s snow, but generally only during the first couple months of the year, and the summer temperatures are nice and pleasant.

Wilmington Information Guide [ 9 HISTORICAL BACKGROUND

The area now known as Wilmington was first colonized by The post war prosperity again pushed the residential settlers from Sweden about 1638, establishing the colony on New development further out of the city. The 1950s saw a large increase Sweden. In 1655 the Dutch arrived and took over the colonies from in people living in the suburbs of North Wilmington and commuting the Swedes and Finns. Then in 1664 British colonization began, the into the city to work. This lifestyle was made possible by extensive area stabilized under British rule, with strong influences from the upgrades to area roads and highways and through the construction Quaker communities, and was granted a borough charter in 1739 of I-95, which cut a swath through several of Wilmington's most by the King George II which changed the name from Willington, stable neighborhoods and contributed to significant population after Thomas Willing the first “developer” of the land who organized losses in Wilmington. Urban renewal projects in the 50s and 60s the area in a grid pattern similar to that of its northern neighbor cleared entire blocks of housing in the Center City and East Side Philadelphia, to Wilmington, presumably after Spencer Compton, areas. The riots and civil unrest in the city following the 1968 Earl of Wilmington. assassination of Rev. Martin Luther King, Jr. also contributed to The greatest growth in the city occurred during the Civil War. urban emigration. Then Governor Charles Terry, Jr. deployed the Delaware, though officially a Union State, was divided in its support National Guard to the city, despite protests from the mayor, and of both the Confederate and the Union soldiers; the northern part of kept them in the city until his term ended in January 1969. Urban the state was largely Union, while the southern part of the state emigration largely abated, and the city has been able to maintain a leaned toward the Confederacy. The war created enormous population of 70,000 for the last few decades. demand for goods and materials. Older establishments expanded, The city in the 1980s experienced tremendous job growth and and many new industries were attracted to the city. The city turned office construction when many national banks and financial out products including ships, railroad cars, gunpowder, shoes, institutions relocated to the area after the Financial Center tents, uniforms, blankets and other war-related goods. By 1868, Development Act of 1981 substantially liberalized the laws Wilmington was producing more iron ships than the rest of the governing banks operating within the state. In 1986, the state country combined and it rated first in the production of gunpowder adopted legislation targeted at attracting international finance and and second in carriages and leather. The prosperity the war brought insurance companies. It is the home of many national and to city merchants and manufacturers pushed the city's residential international banks, such as Bank of America, Chase, Barclays, and boundaries out to the west in the form of large homes along tree others. lined streets. This movement was spurred on by the first horsecar Beginning in the late 1990s, the city’s campaign to revitalize the line, which was initiated in 1864 along Delaware Avenue. former shipyard area known as the Wilmington Riverfront was met The late nineteenth century saw the development of the city’s first with success. The efforts were bolstered early by Kahunaville, a comprehensive park system. William Bancroft, a successful popular nightclub, and the Wilmington Blue Rocks minor league Wilmington businessman, led the effort to establish open parkland baseball stadium. The Wilmington Riverfront continues to transform in Wilmington and was heavily influenced by the work of Frederick itself into a place of cultural, economical, and residential Law Olmsted. Rockford Park and Brandywine Park owe their importance. Recent high-rise luxury apartment buildings along the creation to his generous donation of land and efforts. Christina River have been cited as evidence of the Riverfront’s In 1860, there were 21,250 people living in the city; by 1920, that continued revival. On June 7, 2006, the groundbreaking of Justison number had risen to 110,168. Landing signaled the beginning of Wilmington’s largest residential Both World Wars stimulated the city’s industries. Industries vital project since Bancroft Park was built after World War II. to the war effort – shipyards, steel foundries, machinery and chemical producers – operated on a 24-hour basis. Other industries produced such goods as automobiles, leather products and clothing.

10 ] Wilmington Information Guide NEIGHBORHOODS

Wilmington is perhaps the largest bedroom community on the The Triangle Neighborhood is a community of city homes built in eastern seaboard. Wilmington's charming neighborhoods will the 1920’s. The area is known for its beautifully landscaped provide buyers with a wealth of choice. Around Delaware Avenue, gardens, proximity to the city, and friendly neighbors, making it one you will find stunning examples of turn of the century homes built by of Wilmington’s most desirable neighborhoods to live in. The the nation's early industrialists and businessmen. These have set Triangle Neighborhood Association (TNA) works actively to preserve the architectural tone for the area, and today this area is one of the the character and beauty of the neighborhood and to provide a most desirable in the city. sense of community and tradition to its residents. Both Wilmington and the North Wilmington area offer a plethora On the west side is a small neighborhood, Trinity Vicinity. Built of welcoming, established neighborhoods that offer easy access to primarily in the 1880’s and consisting of examples of Victorian the downtown city-center. A focal point of both Wilmington and “stick” architecture, the northern section of the neighborhood was North Wilmington is the Christina Riverfront, a newly renovated area designated as a historic district in the 1990’s. Originally built for that is a point of pride for residents. This elegant addition to the middle class citizens, the neighborhood went through a tumultuous town offers residents over a mile of Riverwalk, with plenty of chic period in the 1960’s and 1970’s due to a number of factors, boutiques and restaurants along the way. including the building of I-95 and riots generated by the murder of Just outside of the Wilmington-North Wilmington convergence is Martin Luther King. The Urban Homesteading act passed in the 70’s the area known as Bradywyne Hundred. While you may not find the began the regeneration that continues to this day. name on a map, most people in the state are familiar with it. Bordered by the Bradywyne River on the west and Delaware River to the east, this is one of the most peaceful and pleasant WEATHER communities you can imagine. Most of the shops here are still locally owned mom-and-pop style and offer residents the chance to take a morning stroll to the bakery or coffee shop.

Month Avg Hi Avg Lo

January 30 22 February 38 25 March 42 33 April 52 42 May 63 52 June 73 62 July 81 67 August 86 66 September 78 58 October 67 45 November 56 37 December 44 28

Wilmington Information Guide [ 11 NATIONAL HEALTH ORGANIZATION PHONE NUMBERS

National Health Organization Mental Health Simply dial plus the number below 1-800-*… National Alliance for the Mentally Illness (NAMI) 950-6264 Allergy National Down Syndrome Society 244-4444 Asthma & Allergy Foundation of America (AFFA) 727-8462 National Mental Health Association Resource Ctr 969-6642 Cancer Neurology American Cancer Society 227-2345 National Alzheimer’s Association 272-3900 American Institute for Cancer Research. 843-8114 Christopher Reeve’s Paralysis Foundation 225-0292 Leukemia and Lymphoma Society of America 955-4572 American Parkinson Disease Association 223-2732 National Cancer Institute (CIS) 422-6237 Epilepsy Foundation of America. 332-1000 Skin Cancer Foundation (SCF) 754-6490 United Cerebral Palsy Associations (UCPA) 872-5827 Children’s Health Huntington’s Disease Society of America 345-4372 American SIDS Foundation 232-7437 Brain Injury Association of America Family Hotline 444-6443 Cystic Fibrosis Foundation (CFF) 344-4823 National Headache Foundation 843-2256 Juvenile Diabetes Research Foundation 223-1138 National Multiple Sclerosis Society 344-4867 Sudden Infant Death Syndrome (SIDS) Alliance 221-7437 National Stroke Association 787-6537 National Reye’s Syndrome Foundation, Inc. 233-7393 Patient Care Spina Bifida Association of American 621-3141 Medic Alert Foundation U.S. 863-3425 or 432-5378 Infectious Diseases National Hospice Organization 658-8898 AIDS Hotline, CDC National, National STD Hotline 342-AIDS Shriner’s Hospital Referral Line 237-5055 (Spanish) 344-7432 Visiting Nurse Association of America 426-2547 (Hearing Impaired) 243-7889 Physical Disabilities Internal Medicine American Council of the Blind. 424-8666 American Diabetes Association 232-3472 American Speech/Language/Hearing Association 638-8255 American Heart Association 242-8721 or 968-1793 National Easter Seals Society 221-6827 American Kidney Association 638-8299 Woman’s Health American Lung Association 586-4872 Endometriosis Association. 992-3636 Arthritis Foundation 283-7800 Y-ME National Breast Cancer Organization. 221-2141 Crohn’s and Colitis Foundation of America, Inc. 932-2423 *This is a Toll-Free Number! Lupus Foundation of America 558-0121 This is only a partial list of national health organizations. National Kidney Foundation 622-9010 Contact the National Health Information Center (NHIC) Spondylitis Association of American (SAA) 777-8189 at (800) 336-4797 for a more complete list.

NOTE: This general information is not intended to replace the advice of a medical professional as it relates to your specific situation.

12 ] Wilmington Information Guide IMPORTANT PHONE NUMBERS

Area Code(s) Services For the entire state the area code is 302. Directory Assistance 411 AAA Motor Club Services (800) 222-4357 Emergency Support Networks All Emergencies 911 Crisis Pregnancy Center (800) 395-4357 Police (302) 654-5151 Teen Link (Various Topics) (800) 235-9678 300 N. Walnut Street Wilmington, DE 19801 Shipping & Postal Service Fire Department (302) 576-3950 UPS (800) 742-5877 300 N. Walnut Street Federal Express (800) 463-3339 Wilmington, DE 19801 Airborne Express (800) 247-2676 Emergency Management (302) 576-3914 Utilities Poison Control (800) 764-7661 Runaway Hotline (800) 392-3352 Gas and Electricity Crises Pregnancy Center (800) 395-4357 Delmarva Power, web: delmarva.com (800) 375-7117 PO Box 17000 Child Abuse Hotline (State) (800) 522-3511 Wilmington, DE 19886 Government Numbers Telephone Office of Constituent Services (302) 576-2489 Verizon, web: verizon.com (800) 942-5000 800 French St 901 Tatnall Street Wilmington, DE 19801 Wilmington, DE 19801 Water Services (302) 576-3877 web: ci.wilmington.de Trash Collection (302) 576-3879 Parks and Recreation (302) 576-3810 Public Works (302) 576-3060 Social Security Administration (800) 234-5772

VEHICLE INFORMATION

Vehicle Registration and Driver License Voter Registration Wilmington Area DMV (302) 434-3200 Department of Elections (302) 577-3464 2230 Hessler Boulevard The easiest way to register to vote is online at: New Castle, Delaware 19720 http://registertovote.elections.delaware.gov. web: dmv.de.gov You’ll need to be a Delaware permanent resident and mail in the Delaware state law gives new residents 60 days to get a completed forms. Delaware driver’s license and register their vehicles. You must turn in your license from your previous state of residence. You’ll need to have your Social Security card, old license or birth certificate, and two documents with your Delaware address. Drivers under 18 or with non-US licenses will have to take a written and road test. Commercial driver’s licenses must be switched over within 30 days. To register your vehicle, you’ll need a proof of insurance and ownership. Also, if the vehicle is less than 5 years old, you’ll need to get a safety and emissions inspection. Registration will come out to about $40 plus a percentage of your vehicle’s value.

Wilmington Information Guide [ 13 TRAVEL INFORMATION

Airports Eva Airways, evaair.com (800) 695-1188 Philadelphia International Airport (PHL) (215) 937-6937 Japan Airlines, jal.co.jp/en (800) 525-3663 8000 Essington Ave KLM Airlines, klm.com (800) 374-7747 Philadelphia, PA 19153 Korean Air, koreanair.com (800) 438-5000 web: phl.org LACSA, centralamerica.com/cr/lacsa/lacsa (800) 225-2272 Wilmington doesn’t have its own major airport, but Philadelphia LOT Polish, lot.com (800) 223-0593 International is only 20 miles northeast of downtown. Interstate 95 Lufthansa, lufthansa.com (800) 645-3880 connects the two. The airport is ranked 15th in the country in terms Mexicana, mexicana.com (800) 531-7821 of passenger traffic. There are 6 different terminal buildings. Philippine Airlines, philippineairlines.com (800) 435-9725 Airlines - Domestic Quantas, qantas.com (800) 227-4500 AirTran Airlines, airtran.com * (800) 247-8726 Singapore Airlines, singaporeair.com (800) 742-3333 Alaska Airlines/Horizon Air, alaskaair.com (800) 252-7522 Skyservice USA, skyserviceairlines.com (877) 485-6060 Allegiant Air, alleginatair.com (800) 432-3810 Swiss International Airlines, swiss.com (800) 221-4750 American Airlines, aa.com * (800) 433-7300 TACA, taca.com (800) 535-8780 Atlantic Southeast, flyasa.com (800) 282-3424 USA 3000 Y Airlines, usa3000.com (800) 872-3000 Comair, comair.com (800) 221-1212 *Airlines providing service to Philadelphia Continental Airlines, continental.com * (800) 525-0280 Cruises/Resorts Delta Airlines, delta.com * (800) 221-1212 Disney World Reservations (800) 227-1500 Frontier Airlines, frontierairlines.com * (800) 432-1359 Holland America Cruises (800) 426-0327 Hawaiian Airlines, hawaiianair.com (800) 367-5320 Princess Cruises (800) 774-6237 jetBlue Airlines, jetblue.com (800) 538-2583 Royal Caribbean International (800) 327-6700 Midwest Airlines, midwestairlines.com (800) 452-2022 Hotels/Motels Northwest Airlines, nwa.com * (800) 225-2525 Best Western (800) 528-1234 Skyway Airlines, skywestairlines.com (800) 452-2022 Budgetel Inns (800) 428-3438 Southwest Airlines, southwest.com* (800) 435-9792 Clarion Hotels (800) 424-6423 Spirit Airlines, spiritair.com (800) 772-7117 Comfort Inns (800) 424-6423 SunCountry Airlines, suncountry.com (800) 359-6786 Courtyard by Marriott (800) 321-2211 jetBlue Airlines, jetblue.com (800) 538-2583 Days Inn (800) 329-7466 US Airways, usairways.com * (800) 428-4322 Doubletree Hotels (800) 222-8733 Virgin Atlantic, virgin-atlantic.com (800) 862-8621 Econo Lodges (800) 446-4777 *Airlines providing service to Philadelphia Embassy Suites (800) 362-2779 Fairmont Hotels (800) 527-4727 Airlines - International Four Seasons (800) 332-3442 Aer Lingus, aerlingus.ie (866) 886 8844 Hilton Hotels (800) 445-8667 Aeroflot, aeroflot.aero/eng (650) 615-9278 Holiday Inns (800) 465-4329 Aeromexico, AeroMexico.com (800) 237-6639 Howard Johnson Motor Lodges (800) 654-2000 Aerolineas Argentina, aerolineas.com.ar (800) 333-0276 Hyatt Hotels (800) 233-1234 Air Canada, aircanada.ca * (800) 247-2262 La Quinta Motor Inn (800) 531-5900 Air China, airchina.com (800 )986-1985 Loews Hotels (800) 223-6397 Air France, airfrance.com * (800) 237-2747 Marriott Hotels (800) 228-9290 Air India, airindia.com Meridien Hotels (800) 543-4390 Air Jamaica, airjamaica.com* (800) 523-5585 Omni International (800) 843-6664 Air New Zealand, airnewzealand.com (800) 262-1234 Quality Inns (800) 228-5151 Alitalia, alitaliausa.com (800) 223-5730 Radisson Hotels International (800) 333-3333 Asiana, us.flyasiana.com (800) 227-9262 Ramada Inns (800) 228-2828 British Airways, british-airways.com (800) 247-9297 Red Roof Inns (800) 843-7663 Cathay Pacific Airways, cathaypacific.com (800) 233-2742 Ritz Carlton Hotels (800) 241-3333 China Airlines, china-airlines.com (800) 227-5118 Sheraton Hotels (800) 325-3535 China Eastern Airlines, flychinaeastern.us (800) 200-5118 Stouffer Hotels (800) 468-3571 Egypt Air, egyptair.com.eg (800) 334-6787 Super 8 Motels (800) 800-8000 El Al, elal.co.il (800) 223-6700 TraveLodge Motels (800) 578-7878 Eurofly, eurofly.it (800) 477-6492 Westin Hotels (800) 228-3000

14 ] Wilmington Information Guide TRAVEL INFORMATION

Inter-City Transportation Public Transportation Amtrak (800) 872-7245 DART First State (800) 553-DART 100 South French St The Delaware Authority for Regional Transit (DART) operates bus Wilmington, DE 19801 service throughout the state of Delaware, although most of the web: amtrak.com routes are in and around Wilmington and surrounding suburbs. The Wilmington Station is a stop on many Amtrak routes Fares within New Castle County are $1.15; the most expensive a connecting it to the region and eastern portion of the US. Routes one way ticket could get is $7.50, which would take you to the will head south to Miami or New Orleans, with stops in Washington southernmost portion of the state. DC along the way, or north through New York City to Vermont. It was also go west through Ohio to Chicago. Complete route Rental Cars information is available online. Advantage, advantage.com (800) 777-5500 Southeastern Pennsylvania Transportation Authority (SEPTA) Alamo, alamo.com (800) 462-5266 1234 Market Street Avis, avis.com (800) 331-1212 Philadelphia, PA 19107 Budget, budget.com (800) 527-0700 (215) 580-7800 Dollar, dollar.com (800) 800-4000 web: septa.org Enterprise, enterprise.com (800) 736-8222 SEPTA operates commuter rail service in and around E-Z, e-zrentacar.com (972) 574-3360 Philadelphia. Wilmington connects to downtown Philadelphia and Fox/Payless, foxrentacar.com (800) 225-4369 the Philadelphia International airport on the R2 line. Hertz, www.hertz.com (800) 654-3131 Wilmington Rail Station National, nationalcar.com (800) 227-7368 100 South French St Wilmington, DE 19801 Thrifty, thrifty.com (800) 367-2277 The Wilmington Rail Station serves both Amtrak and SEPTA, the Southeastern Pennsylvania Transportation Authority. The station is downtown and has shops, a post office, car rentals, and ticket offices on the first floor, and then boarding for the trains takes place on the second level. Interstates Interstate 95, also known as the Delaware Turnpike, provides access to Baltimore and Washington, DC to the south and Philadelphia and New York to the north. It splits Wilmington in half. Interstate 495 branches off of I-95 in Newport and veers east around Wilmington, and then connects back with I-95 past Claymont. Interstate 295 splits around the same time as I-495, but instead heads straight east into New Jersey, where part branches off into the New Jersey turnpike. If you follow I-295 long enough, you’ll merge back into I-95 north of Philadelphia. Downtown Wilmington is set up more or less on a grid pattern, but once you get away from the heart of the city, the streets start to wind a little bit. Drive Times: Destination Distance Time Philadelphia 29 mi 40 min Baltimore 75 mi 1 hr 15 min Washington, DC 115 mi 2 hrs 15 min New York City 125 mi 2 hrs 15 min

Wilmington Information Guide [ 15 THINGS TO DO

Arts Gallories Wilmington Country Club (302) 655-6022 Biggs Museum of American Art (302) 674-2111 4825 Kennett Pike 406 Federal St Wilmington, DE 19807 Dover, DE 19903 web: wilmingtoncc.com web: biggsmuseum.org Wilmington Country Club has two par 71 courses. The North This museum has 14 galleries showcasing art from the mid- Course covers 6,300 yards, while the South stretches over 6,900. Atlantic region of the country. There are permanent and rotating The private club is very exclusive, and greens fees are $145. Golf exhibits that focus on all types of art. There are also special events Digest ranked the North Course 3rd in the state and the South held periodically. Course 1st. Brandywine River Museum (610) 388-2700 Delaware National Country Club (302) 993-3203 Brandywine Conservancy 400 Hercules Rd Chadds Ford, PA 19317 Wilmington, DE 19808 web: brandywinemuseum.org web: delawarenationalcountryclub.com This museum is housed in a restored mill and showcases Delaware National has a short 18 hole course with only a couple American still lifes, paintings, and illustrations. The museum has of par 4s that clear 400 yards. The club is very family focused, with educational exhibits and events aimed specifically for children. a youth swimming and diving team, tennis lessons, and family Cab Calloway Museum and Gallery (302) 651-2700 memberships available. 100 N. DuPont Rd Brandywine Country Club (302) 478-4604 Wilmington, DE 19807 2822 Shipley Rd web: cabcallowayschoolofthearts.com Wilmington, DE 19810 The Cab Calloway School of the Arts has galleries featuring the web: brandywinecountryclub.net works of students in grades 6-12, as well as professional galleries Brandywine is a par 70 private course that covers 6,500 yards. from across the country. The country club also has tennis and swimming, with a variety of Delaware Art Museum (302) 571-9590 options for membership in terms of what amenities are included. 2301 Kentmere Pkwy Bidermann Golf Club (302) 655-3336 Wilmington, DE 19806 601 Adams Dam Rd web: delart.org Wilmington, DE 19807 The Delaware Art Museum has two floors of galleries as well as a Bidermann’s 18 hole course covers 6,400 yards and is par 72. It well-landscaped sculpture garden. There’s plenty for kids to do was ranked as one of Delaware’s top course by Golf Digest here, including the hands on “Kid’s Corner” interactive gallery. The Magazine. The private course’s 14th hole is its signature. museum was recently renovated, and the building itself is beautiful. White Clay Creek Country Club (800) 417-5687 Delaware Center for the Contemporary Arts (302) 656-6466 777 Delaware Park Blvd 200 S. Madison St Wilmington, DE 19804 Wilmington, DE 19801 web: whiteclaycreek.com web: thedcca.org White Clay Creek is a public course that covers just over 7,000 The DCCA was founded to promote the growth of contemporary yards for a par of 72. The club offers instruction and a driving range. art in Delaware, and as such, has 26 on-site artist studios in Online, there are tips for shooting par on the long course. addition to its 7 galleries. The DCCA is a non-collecting museum, Delcastle Golf Club (302) 995-1990 and presents about 30 exhibits annually by internationally 18 holes over 6,628 yards with a par of 72 (Public) recognized artists, along with working with the community to 801 McKennans Church Rd encourage art. Wilmington, DE 19808-2124 web: delcastlegolfclub.com Golf Delcastle is a par 72 public course that covers 6,600 yards. Ed Oliver Golf Club (302) 571-9041 Memberships are available that permit unlimited play on the course, 800 N DuPont Rd Wilmington, DE 19807 weather permitting. There’s a driving range and restaurant on the web: edolivergolfclub.com grounds as well. The Ed Oliver course is a par 69 that covers 6,100 yards. It’s Fieldstone Golf Club (302) 658-2600 ranked as the 3rd best public course in the state and sits on the site 1000 Dean Rd Wilmington, DE 19807-1648 of the original Wilmington Country Club. It also features a golf web: fieldstonegolf.com school for both kids and adults. Fieldstone is a private course that is 6,700 yards long and has a par of 71. Golf Magazine ranked it as one of the best courses in the state.

16 ] Wilmington Information Guide THINGS TO DO

Three Little Bakers Country Club (302) 737-1877 The Golf Course at Glen Mills (610) 558-2142 3542 Three Little Bakers Blvd 221 Glen Mills Rd Wilmington, DE 19808-1754 Glen Mills, PA 19342-1743 web: 3lbonline.com web: glenmillsgolf.com Three Little Bakers is a public club that is par 71. The course is Glen Mills is a par 71 public course that’s 6,600 yards long. It’s 6,700 yards long. Three Little Bakers also has dinner theater and gotten accolades from all of the major golfing magazines, including shows, along with banquet facilities. Membership entitles you to being ranked in the top 5 public courses in America by Golf unlimited golf; otherwise fees are reasonable, especially for a club Magazine. Golf Digest ranked as one of the best public clubs around. Rolling Green Golf Club (610) 328-5535 Du Pont Country Club (302) 421-1792 280 N State Rd 1001 Rockland Road Springfield, PA 19064-1333 Rockland, DE 19732 web: rggc.org web: dupontcountryclub.com This private course is 6,600 yards long for a par of 71. Golfweek The private DuPont Country Club has three separate courses. crowned it as one of the top courses in the state. The Championship Course is a 6,600 yard par 71. The Nemours Museums Course is a narrow par 71 that’s 6,200 yards, and the Montchanin Air Mobility Command Museum (302) 677-5938 Course is a par 61 executive course 4,300 yards long. The three 1301 Heritage Road courses are on the grounds of the DuPont family’s former residence. Dover AFB, DE 19902 It is very exclusive, and has elegant banquet and dining options, web: amcmuseum.org along with tennis courts. There are a variety of types of The Air Mobility Command Museum is located on Dover Air Force memberships available. Base and has some impressive artifacts from Air Force History. The Clayton Park Golf Course (610) 459-4510 museum is in progress of restoring a C-124 cargo plane and has a 1 Conchester Rd flight simulator on site for would-be pilots. Glen Mills, PA 19342-1507 American Helicopter Museum (610) 436-9600 Clayton Park is a short Municipal course in Glen Mills, PA. It’s par 1220 American Boulevard 30 9 hole course is 1,600 yards long. Green fees are very West Chester, PA 19380 reasonable at $11 a round. web: helicoptermuseum.org Vince's Sports Center Par 3 Course (302) 738-4859 This museum focuses exclusively on rotary wing aircraft and has 14 Gender Rd more than 35 on site. 40 Exhibits allow visitors to interact with these Newark, DE 19713-2868 amazing machines, including a working wind tunnel. The center This is a very casual course that’s a 9 hole par 27. There’s plenty hosts a camp over the summer, and is perfect for an outing with of wildlife and it is open year round. kids. Hartefeld National Golf Club (800) 240-7373 Delaware Museum of Natural History (302) 658-9111 1 Hartefeld Dr P.O. Box 3937 Avondale, PA 19311 Wilmington, DE 19807 web: hartefeld.com web: delmnh.org Hartefeld National’s course is a par 72 that is 7,000 yards long. The Delaware Museum of Natural History is tailored to bring the The club is private and has been ranked among the top courses in world of natural history to life through interactive exhibits designed the state by Golfweek Magazine. It has a family friendly atmosphere, to educate and entertain. Things in this museum are meant to be including holiday celebrations, youth golf instruction, and family poked and played with. There are traveling and permanent memberships available. collections from around the world. Deerfield Golf and Tennis Club (302) 368-6640 Hagley Museum and Library (302) 658-2400 Thompson Station Road P.O. Box 3630 Newark, DE 19711 Wilmington, DE 19807 web: deerfieldgolfclub.com web: hagley.lib.de.us A par 70, 6,300 yard course is the centerpiece of this facility, This museum is housed in what was originally a DuPont family which also has 4 lighted tennis courts. It had been a private club for gunpowder mill and focuses on American business and industry, years, but is now owned by the state of Delaware, which means it’s especially in the mid-Atlantic states. public and has reasonable rates. There are also great banquet facilities on site. continued on page 18

Wilmington Information Guide [ 17 THINGS TO DO

Performing Arts Concord Mall (302) 478-9271 Delaware Symphony Orchestra (302) 656-7442 4737 Concord Pike 818 N. Market St Wilmington, DE 19803 Wilmington, DE 19801 web: alliedretailprop.com web: delawaresymphony.org Concord Mall is a standard mall in Wilmington. There are nearly The Delaware Symphony Orchestra has been performing for 100 stores, most of which are traditional mall retailers. more than a century now. Its season runs from November through Delaware City District (302) 834-4573 may, with performances every three weeks or so with a total of 50 P.O. Box 4159 performances. There are also a variety of programs for K-12 Delaware City, DE 19706 students. web: delawarecity.info Right along the Old Chesapeake and Delaware canal are a series Delaware Theatre Company (302) 594-1100 200 Water St of historic buildings and great shops and cafes. It’s about 16 miles Wilmington, DE 19801 south of Wilmington, and it has great views of Fort Delaware, along web: delawaretheatre.org with hundreds of historic buildings. Delaware Theatre Company performs both exciting new plays as Dover Mall (302) 734-0415 well as beloved classics. The company has theatre classes and 1365 North DuPont Hwy special programs targeting the school aged audience. Dover, DE 19901 web: dovermall.com First State Ballet Theatre (302) 658-7897 818 N. Market St Dover Mall has more than 100 retail shops, along with fast food Wilmington, DE 19801 and casual dining. There’re national brands and regional favorites web: firststateballet.com taking up space here, along with a movie theater. First State Ballet performs classic and contemporary dance New Castle Farmers Market (302) 328-4101 productions through the state and country, including special 110 N. DuPont Hwy performances of the Nutcracker during the holidays. The Theatre New Castle, DE 19720 also has a dance school attached to it. Fresh produce, meats, cheeses, breads, handmade crafts, and Opera Delaware (302) 658-8063 more fill the farmers market. It’s open 10am-10pm Fridays and PO Box 432 Saturdays, and 10am to 6pm on Sundays. Wilmington, DE 19899 Riverfront Marketplace (302) 322-9500 web: operade.org 3 South Market Street A terrific regional opera company that performs classic and Wilmington, DE 19801 contemporary opera. The company has programs designed web: riverfrontwilm.com specifically for children and families as well, so if you’ve never been The Riverfront Marketplace is an old warehouse building along to an opera, you won’t need to be intimidated. the Christina River that now houses vendors and cafes. The first Three Little Bakers Dinner Theatre (302) 368-1616 floor is filled with stalls selling fresh seafood, produce from the farm, 3540 Three Little Bakers Blvd. specialty coffees, and prepared food. The second floor has seating Wilmington, DE 19808 so you can enjoy what you just picked up. It’s right by the Shipyard web: tlbinc.com Shops. Three Little Bakers has a lot to see, from dinner theater to Shipyard Shops (302) 425-4890 Broadway shows to musical performances. The auditorium will seat 900 S. Madison St 980, and there’s a golf course on site. There are also banquet Wilmington, DE 19801 facilities. web: shipyardshopsoutlets.com Shopping There’s plenty of outlet shopping along the Wilmington riverfront at Shipyard Shops. Aside from name-brands at discounted prices, Christiana Mall (302) 731-9815 715 Christiana Mall the shops also have cafes, bakeries, and restaurants. Parking is Newark, DE 19702 free. web: shopchristianamall.com Shops at Hockessin Corner (302) 239-7066 Christiana is the biggest mall in the area with more than 130 425 Hockessin Corner stores and restaurants. Traditional mall retailers are here, along with Hockessin, DE 19707 web: hockenssincorner.com casual dining. The mall has events periodically, and you can see which stores are having sales by surfing over to the mall website. Hockessin Corner may be the place to head if you’re tired of traditional mall retailers and just want to get a nice regional feel for the area with handmade crafts and casual dining. Hockessin’s just about 10 miles west of Wilmington.

18 ] Wilmington Information Guide THINGS TO DO

Sights Sports Brandywine Zoo (302) 571-7788 University of Delaware Intercollegiate Athletics (302) 831-2257 1001 N. Park Dr Newark, DE 19716 Wilmington, DE 19802 web: udel.edu/sportsinfo web: brandywinezoo.org The Fightin’ Blue Hens field 23 teams in NCAA Division I Brandywine Zoo is homes to about 150 animals from the competition. The football team has won 6 national titles in Division Americas and Asia. It covers 13 acres in Brandywine Park. The zoo I-AA, including one in 2003. The figure skating facility has also is open year round and has special programs for families with kids hosted many great skaters, including gold medalist Tara Lipinski. of all ages, along with education programs. Philadelphia Eagles (215) 463-2500 Clementon Amusement Park and Splash World (856) 783-0263 NovaCare Complex 144 Berlin Rd One NovaCare Way Clementon, NJ 08021 Philadelphia, PA 19145 web: clementonpark.com web: philadelphiaeagles.com The amusement park is about 45 min away, and it makes a The Eagles play in the National Football League’s NFC East perfect trip on a hot summer day. There’re roller coasters, water division. They’re known for having rabid fans, and their training rides, and shows to keep everyone entertained. camp draws more fans than any other. Tickets sell out quick, and Amstel House (302) 322-2794 the waiting list for season tickets is 60,000. 2 E. 4th St Philadelphia Flyers (215) 465-4500 New Castle, DE 19720 3601 S Broad St # 2 The Amstel House was built decades before the United States Philadelphia, PA 19148 ever became a country, and provides a fascinating place to learn web: philadelphiaflyers.com about the areas history. There are individual and group tours, along The Flyers play in the NHL’s Eastern Conference in the Atlantic with special events. Division. They’ve won or been in contention for the Division Fort Delaware State Park (302) 834-7941 Championship recently, and won two Stanley Cups in the 1970s. Clinton St Philadelphia Phillies (215) 463-6000 Delaware City, DE 19706 One Citizens Bank Way web: visitthefort.com Citizens Bank Park One of Delaware’s first state parks, the Union fort was built in Philadelphia, PA 19148 philadelphia.phillies.mlb.com 1859 and was a prison for Confederate prisoners of war. There are tour guides in period garb to explain and entertain while you’re The Phillies play in MLB’s Eastern Division in the National League. there. The team has played in the city since 1883, and will soon become the first professional franchise to reach 10,000 losses. Still, their Longwood Gardens (610) 388-1000 1001 Longwood Rd fans love them. Kennett Square, PA 19348 Philadelphia 76ers (215) 339-7600 web: longwoodgardens.org 3601 S. Broad St Longwood Gardens covers more than 1000 acres with incredible Philadelphia, PA 19148 web: philadelphia76ers.com horticultural displays. There are topiary gardens, vegetables, The Sixers play in the NBA’s Eastern Conference Atlantic Division. flowers, fountains and more. The gardens have annual events, They are the oldest franchise in the league. They’ve had some of the including the Chrysanthemum Festival in the fall and skating in the best players of all time, including Wilt Chamberlain, Dr. J, and Allen winter. There are also classes available on a variety of topics. Iverson, and are usually strong contenders in the east. Mt. Cuba Center (302) 239-4244 P.O. Box 3570 Wilmington Blue Rocks (302) 888-2015 Greenville, DE 19807 801 S. Madison St web: mtcubacenter.org Wilmington, DE 19801 The Mt. Cuba Center is a former estate of the DuPont family that The Blue Rocks are a Class A affiliate of MLB’s Kansas City has extensive gardens. Tours are available in the spring and fall. Royals. Tickets are inexpensive, and it provides for great family entertainment for an afternoon. Rockwood Mansion Park and Museum (302) 761-4340 610 Shipley Road Wilmington, DE 19809 web: rockwood.org This is a Victorian mansion situated on 72 acres of sprawling park grounds. It has a nice café, landscape garden, and more than 2 miles of lighted trails.

Wilmington Information Guide [ 19 The perfect place for a tryst Dozens of designer shops and nightlife so hot it’ll make you blush. tailored to one lifestyle. Yours. A casino designed to excite the senses.

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20 ] Wilmington Information Guide A casino that defies Endless energy. convention. Yours.

tailored to one lifestyle. Tower suites offer the comfort you expect from a Wynn signature resort. Dozons of designer shops encorelasvegas.com

To speak with a reservation agent please call toll-free 1.888.320.7125 Wilmington Information Guide [ 21 MEDIA

Newspapers AM Radio Delaware News Journal (302) 324-2500 Station Callsign Format 950 West Basin Road WFIL 560 Religious New Castle, DE 19720 WIP 610 Sports web: delawareonline.com WPHE 690 Spanish The News Journal is Delaware’s main paper. It was first published WVCH 740 Religious in 1785, and is now owned by Gannett. Circulation is 117,000 WTMR 800 Religious weekdays, 140,000 on Sundays. WWDB 860 Business News Philadelphia Inquirer (215) 854-2000 WURD 900 News 400 N. Broad Street WPEN 950 Oldies Philadelphia, PA 19130 WDAM 970 Oldies web: philly.com WNTP 990 Talk The Inquirer is Philadelphia’s most circulated newspaper and KYW 1060 News winner of 18 Pulitzer Prizes for outstanding journalism. Circulation is WNAP 1110 Gospel Music 330,000 weekdays, 682,000 Sunday. WDEL 1150 News/Talk Television WPHT 1210 Talk Callsign Channel Station WSNJ 1240 Nostalgia KYW 3 CBS WSAM 1260 Gospel Music WPVI 6 ABC WMIZ 1270 Spanish W07CB 7 Independent WWTX 1290 Sports WCAU 10 NBC WEMG 1310 Spanish WHYY 12 PBS WJSS 1330 Religious WPHL 17 My Network TV WHAT 1340 Talk WTXF 29 FOX WNJC 1360 Variety WYBE TV 35 Independent/Public WPAZ 1370 Adult Contemporary WGTW 48 TBN WTMC 1380 Talk WTVE 51 Independent WDOV 1410 CNN News WPSG 57 The CW WCOJ 1420 Oldies WPPX 61 i Network WMVB 1440 Adult Contemporary WILM 1450 News/Talk WDAS 1480 Gospel Music WFAI 1510 Religious WCHE 1520 Talk WNWR 1540 Ethnic WXHL 1550 Christian Contemporary WPWA 1590 Religious WKEN 1600 Gospel Music

22 ] Wilmington Information Guide MEDIA

FM Radio Station Callsign Format WMHS 88.1 Top-40 WXPN 88.5 Adult Album Alternative WWLU 88.7 Hip Hop WXHL 89.1 Christian Contemporary WNJB 89.3 Public Radio WDNR 89.5 College WGLS 89.7 College WOEL 89.9 Religious WRTI 90.1 Public Radio WHYY 90.9 Public Radio WVUD 91.3 Variety WSRN 91.5 College WVLT 92.1 Oldies WXTU 92.5 Country WDSD 92.9 Country WMMR 93.3 Rock WSTW 93.7 Top-40 WYSP 94.1 Rock WDAC 94.5 Religious WRDX 94.7 Classic Rock WMWX 95.7 Adult Contemporary WRDW 96.5 Hip Hop WZZE 97.3 Top-40 WOGL 98.1 Oldies WZFI 98.5 Christian Contemporary WUSL 98.9 Hip Hop WJBR 99.5 Adult Contemporary WPLY 100.3 Alternative WBEB 101.1 Adult Contemporary WJKS 101.7 Hip Hop WIOQ 102.1 Top-40 WMGK 102.9 Classic Rock WXCY 103.7 Country WPHI 103.9 Hip Hop WSNI 104.5 Oldies WDAS 105.3 Urban Contemporary WJJZ 106.1 Smooth Jazz WKDN 106.9 Religious WMVK 107.3 Easy Listening

Wilmington Information Guide [ 23 24 ] Wilmington Information Guide MOVING

SMOOTH TRANSITIONS

Choosing a Moving Company Have at least three movers come to your home and give estimates. Be sure to ask whether the estimates are binding, non-binding or guaranteed not to exceed a certain amount. Obtain each company’s assigned Motor Carrier number and call the USDOT at (202) 358-7000 to determine if they are registered and have the proper insurance on file. Ask your prospective moving company for a copy of the “Your Rights and Responsibilities When You Move” booklet. Relocation to Your New Town If you’re one of the 40 million Americans planning to move this year, you need a strategy. Starting early and staying organized is the key to a painless move. In general, follow the pre- move checklists provided. These lists will help you track the myriad details needed to facilitate your move. If you are selling your present home and/or buying a new one, refer to the home inspection checklist and the mortgage glossary. If you are planning to rent in your new city, read the article on rental tips. And, if you are undecided, we hope the article entitled “Buying vs. Renting” will help you assess the pros and cons of each. Whatever decisions you face based on your particular circumstances, stay positive, calm and organized. And, don’t forget to make some time just for yourself. It will probably save you a lot of time in the long run! Packing Tips • Sort your belongings. If you don’t use an item, dispose of it. • Label boxes indicating what they contain and in which room they should be placed. • Drain gas and oil from power tools so they will not leak; dispose of all volatile or corrosive chemicals. • After cleaning out the refrigerator and/or freezer, place pieces of charcoal in them to prevent mildew. • Pack important records in easily accessible place. Include medical, dental, school, insurance, credit card and tax records. • Use strong, clean containers with lids secured with twine or tape. • Put no more than 50 pounds in each container. • Place heavy items towards the bottom of the containers; lighter items on top. • Protect all finished surfaces from scratching by wrapping them in paper. • Use plenty of cushioning such as shredded or crumpled paper to protect belongings in boxes. Remember that newspaper ink can rub off and stain items packed with it. • Pack items tightly to avoid shifting during move. • Fragile items, like china, should be packed in reinforced boxes or in special boxes with compartments. • Individually wrap and cushion electrical appliances. • Make sure liquids and foodstuffs are placed in carefully sealed containers. Wrap and pack kitchenware tightly to prevent damage. • Chests and dressers should not be overloaded since glued furniture joints could collapse. continued on page 26

Wilmington Information Guide [ 25 SMOOTH TRANSITIONS

• Unusually shaped or valuable items should be crated or moved where these boxes go. This way, movers will be directed to the by you and not the movers. Easily crushed items should be correct rooms if you’re not available to tell them where to put individually boxed and cushioned. each box. • You should not remove home fixtures such as window treatment • Make a detailed floor plan for where you want things to go in your hardware, towel racks and electrical fixtures. Unless your sales new home. Photocopy it so you can tack up copies in every room agreement specifically states otherwise, such items are usually for the movers. considered legally part of your residence.Let the moving • Take snapshots of wall units and shelves, so you know how company pack furniture, mirrors and artwork to prevent damage. things were arranged on them. Stay Organized Settling Into Your New Home Here are some basic tips to help make moving less traumatic: • Start by making the beds. Bedding tends to be bulky and • Pack an “Immediate Box” or an overnight suitcase with the eliminating lots of boxes quickly and easily will be encouraging. necessities you’ll be needing right away. Don’t forget to include • Unpack and organize children’s belonging’s next.. Young children medicines and a first aid kit, toilet paper, tissue, and paper will quickly become restless without familiar things. Remember to towels. position storage hooks and shelves that children will be using • Pack an “Immediate Kitchen” box including trash bags, the within their reach. coffee pot or tea kettle, toaster, plastic silverware, paper plates, • Next, tackle the kitchen. This job will go much faster if each box styrofoam cups and some non-perishable snacks, such as has been specifically labeled as to its contents. Simply labeling crackers, peanut butter, dried fruit. This way, there will be some “Kitchen” doesn’t help you prioritize which box to unpack first. instant sustenance while you get organized. • Stay positive. Getting settled into your new home can seem • Affix colored labels to the moving boxes according to destination. overwhelming unless you look at it as a series of small projects. Put the same-color labels or signs on the door of the rooms • Congratulate yourself! You accomplished a lot today!

26 ] Wilmington Information Guide 12/31/11. 28 ] Wilmington Information Guide WHAT’S ALL THE TALK ABOUT. YOU PACK, THEY DRIVE MOVING?

Moving Decisions Save Time and Money Are you faced with an upcoming job relocation? With so many The “you pack, they drive” moving alternative saves you the options for moving your household items, it can be a difficult trouble of driving an unfamiliar vehicle as well as the stress and decision to determine which service best fits your moving needs. difficulty during a long-distance drive. Since the estimates provided Also, with a limited relocation budget from your employer to cover for this service are based on volume (space) and not weight, you will your moving costs, finding a service that complements your avoid unexpected higher moving costs and hidden fees associated pocketbook is important as well. While hiring a professional moving with other full-service moving companies. Unlike a rental truck, the company may be time-saving, the cost for full-service moving could normal moving expenses such as fuel, taxes, tolls, and unexpected be several thousand dollars. A recent trend in the moving industry costs such as flat tires and engine blowouts are covered by the is the do-it-yourself moving option. Most people associate do-it- service provider. yourself with the truck rental option; however, the “you pack, they Loading Service Options drive” moving alternative is becoming increasingly popular. The cost savings of using the “you pack, they drive” service New Moving Alternative largely result from packing and loading your trailer. Some customers With this type of service, you are expected to pack and load your may not have the physical ability or manpower to pack and load items in an adequately-sized commercial trailer. You are given up to their own trailer. This problem is relatively easy to solve—simply two business days to pack and load your goods. The cost of the check with one of the packing and loading companies suggested move is controlled by the customer because this service allows you by the “you pack, they drive” service provider. You can locate to pay for only the spaced used in the trailer. Once you have packing and loading assistance in both your origin and destination completed the packing and loading process, the trailer is picked up cities. By combining the “you pack, they drive” service with local by the local dispatch office. The trailer is then transported by a loading and unloading assistance, you can save money versus professional driver to your destination. You will receive an estimated using a full-service moving company. arrival time for delivery of your goods and will also have the ability to The Choice is Yours track your goods during the transit of your move. Upon arrival at During your search for the best moving option for your upcoming your new home, the trailer is delivered at the appointed time and job relocation, consider the “you pack, they drive” moving option you will unpack and unload your goods. The local dispatch office and know that you are in control of every aspect of your move. You will then come and remove the empty trailer. will not only save time and money, you will experience less stress and headache during an already stressful part of your life.

Wilmington Information Guide [ 29 PRE-MOVE CHECKLIST

One Month Before Two Weeks Before

 Take Inventory. Decide what to keep and what to get rid of.  Notify Phone Company: Your new local phone company should be notified of your move no sooner than 30 business  Reserve a rental truck or select a moving company. Look for days prior to move, and no later than 5 business days before rental trucks and moving companies in local brochures, yellow moving. The service representative will run a quick credit check pages, or through your rental agent/ real estate broker. and assign you a new telephone number.  Make a moving file for important documents, such as family  Notify Utilities: The electric and gas service companies should medical and dental records, school records, legal documents be contacted at least two weeks before your move. The old and titles, banking and financial statements, stock and bond service will need your move out date and you should request certificates, tax returns, birth certificates and insurance the return of any deposits at this time. The new service will documents. Include all receipts – many expenses are tax need your move in date to determine when service will be deductible. turned on or transferred to your name. You can inquire if they  Make any car rental, airline or hotel arrangements. have a billing plan to balance out of season differences by  paying a set amount each month. If moving into an apartment, Gather moving supplies such as boxes, tape, bubble wrap and check with the property manager to see if service was left on paper for wrapping. before you call the utility companies. Write down the  Post Office: A week before you move, you should stop by your emergency numbers to call in event of a problem or outage. local post office to fill out a change of address cards.  Banks: (checking accounts, investments, etc.): Before you Correspondence cards are also available to send to various move to your new city, make sure all existing accounts in your companies such as credit card companies, magazine old bank are closed. Find a new bank to fill your personal publishers and any other organizations that should be needs and open accounts, order checks and obtain direct informed of your move. The mail will be forwarded to your new deposit forms if applicable. home for a full year. After a year, the mail will be returned to the sender with your new address stamped on it. You can get an  Find a new doctor and dentist and have your family’s medical official change form at the local post office or on the Internet at records transferred to them. www.usps.gov/movernet.  Refill any prescription medications which must be taken  Credit Card Companies: Immediately notify all your credit card regularly and arrange to have those prescriptions transferred to companies of your move. Keeping an individual file on each your new city. one makes this process much easier. We suggest using the  Arrange to register your children in their new school(s). Contact correspondence cards offered at the post office in addition to their current school(s) to have their records forwarded. requesting in writing that they send you a letter of confirmation. It is also recommended to make a follow up call.

 Purchase Insurance: If you are moving from out of state and are insured by a fairly large company, they will most likely have an office in the city you are moving to. If you need to find a new company, it is important to get homeowners insurance at least one month before the move. Those moving to an apartment need to contact the insurance company two weeks before the move. If you have large amounts of jewelry and/or furs coats it’s important to contact the agency as soon as possible since you will be needing additional coverage.

 Remember to request the return of any security deposits.

30 ] Wilmington Information Guide PRE-MOVE CHECKLIST

One Week Before Moving Day

 Confirm any travel plans or reservations.  Early on moving day, reserve a large place for the moving truck to park. Mark off an area with cones or chairs. If you need to  Finish packing and make sure all boxes are clearly labeled. obtain parking permission from your apartment complex  Subscribe to the local newspaper and visit the Chamber of manager or the city, do so in advance. Commerce in your new city for additional community  Before work starts, walk through the house with the movers information. and describe the loading order. Show them items you intend to  Change of Address Notification: You will need to notify the transport yourself. You should have these items grouped in an Postal Service that you are moving. It is now possible to do so area prior to the movers arriving. Remain on site to answer the without visiting the post office. Go to website listed above. For movers’ questions and to provide special instructions. the fee of $1.00 you may fill out the address change  Walk through your home and make sure that everything was information online and receive an email confirmation. Or you loaded. Make sure you have the keys to your new home. may choose to print the form and mail it to your local post office. US Postal Service, www.usps.com  Remember that professional movers expect to be paid in full before your goods are unloaded. Check for damage, as items  Notify IRS: You will also need to notify the IRS that you have are unloaded and report any problems right away. moved. This will ensure you receive your IRS refund and/or any other correspondence. To change your address with the IRS,  Unless the company’s policy prohibits the acceptance of complete a Form 8822 (PDF), Address Change Request. This gratuities, it is customary to tip each mover. $20 is a good is available on the IRS website. IRS, www.irs.gov amount; you may want to tip more or less based on the service you received. One Day Before  If you are moving yourself and getting help from friends, make  sure you create a task list. Be sure to have everything packed Pick up your rental truck or confirm your move with the moving before your help arrives. It is natural for people to work in pairs, company. but you should consider each person’s physical ability and  Make sure you and your movers have the directions to your health status. Plan to provide beverages and food for your new home. Plan your travel so that you will be there to greet volunteers. Load the truck according to the directions your them and unlock your home. Have a backup plan in case one truck rental agency gave you, and make sure that you of you gets delayed. understand how to operate and drive the rental truck before you leave the agency.  Obtain the driver’s cell phone number and give him/her yours so you can stay in touch in case one of you is delayed.

 Ask what form of payment the movers will accept (check, money order, certified check, travelers checks) and make necessary arrangements.

Wilmington Information Guide [ 31 RELOCATING YOUR PET

Your coffee is finally brewing after what seemed like an endless Farfetched? Not really. Pets are probably most overlooked when search through the boxes left by the moving company. The disk it comes to relocating. Most people just expect their pets to wake jockey on the radio reads the weather forecast and you learn that it up completely adapted to their new surroundings as if nothing is 70 degrees outside and an expected high of 85 with 85% changed. Although this is true for many pets, just as many find humidity. Your company doesn’t even have have to give you a raise relocating to be traumatic. Furthermore, most people wait until their to move here. pet is ill before finding a new veterinarian. Just as you start thinking that everything is proceeding smoothly What should you do then for your pet when relocating? Actually and that your new city really does have a lot to offer, you realize the place to begin is in your hometown before you move. Speak to Prince, your four-year old Great Dane, isn’t acting right. Now what? your own veterinarian and tell him/her where you are moving and Is he really sick? Homesick? What’s worse is that you don’t know ask his/her advice. In most cases, this alone will be sufficient to find where the closest veterinarian is located and, of course, he or she out what is necessary to prepare your pet for transition. Further, can’t be as good as Dr. Morris…and Prince just loved Dr. Morris. people will be surprised how often their veterinarian can recommend someone in the area where they are moving. Whether or not this person will actually become your new veterinarian is not as important as the peace of mind that the recommendation is from someone you trust. Finally, don’t wait until your pet is ill before looking for a veterinarian. This is an extremely emotional time and nothing can be more traumatic than having to find a veterinarian in the midst of a crisis. It is obvious, then, that you should find a new veterinarian before that first crisis occurs so that when the need arises, you will be prepared. How do you go about finding a new veterinarian in a new city? The best place to begin is simply the NewMarket Services Information Guide. Location is an important factor, as many pets don’t travel well and, in the case of emergency, distance may be a factor in receiving timely treatment. After making a list of local veterinary clinics, take the time to go visit them. Talk to the staff. Ask about office hours, fees, whether appointments are required, and what services are available. Also, ask if it is possible to talk to the doctor so that you can introduce yourself and at least have a first impression to help you make your choice. Finally, ask your neighbors which veterinarians they take their pets to and why. Then, of course, it’s your decision, but at least you have gathered some information on which to base your decision. All dogs should be vaccinated for the possibly fatal disease Parvovirus. Remember to NEVER leave your pet in a car in hot weather, as heat conditions in cars can quickly become fatal to animals.

32 ] Wilmington Information Guide MOVING WITH CHILDREN AND EDUCATION

REINFORCE THE POSITIVES

et family members focused on and involved in the process of moving. Hold a family meeting to discuss why, where, when and how the family will move. Encourage Geveryone to ask questions and express feelings. If possible, drive the family to see the new home and take a tour of the new neighborhood schools, shops and parks. Take photos or videotape the new house and neighborhood. Make lists for each older child of things to do to prepare for the move and assign them a special task or two. For example, they can read and inform other family members about the area history, landmarks, special events and amusements. Help children prepare for the move by having them assist with packing. Let them pack a box of special clothes, toys or books they would like readily accessible at their new home. Let each family member help plan how to set up his or her bedroom. Have them help select paint or wallpaper. Let them share ideas how to arrange the furniture. When the move takes place, set up the children’s rooms first. Choosing a School One of the most satisfying experiences a family can have is finding a school that fits its needs. That school will “feel right” because its administrators, teachers, and parents are part of a strong community that shares the family’s educational values. Children are eager to go there because the school program stimulates their curiosity and provides them with outlets for their interests. Parents will be pleased because their involvement in their children’s education will be welcomed and encouraged. In order to find the best school for your child, you should begin by observing your child’s learning habits. Even as preschoolers, children begin to develop different approaches to learning. These inclinations provide strong clues about what kind of school would serve them best. In her book Your Child’s First School, educational consultant Diana Townsend- Butterworth offers these suggestions of things to watch for in determining your child’s orientation to learning: • What does your child enjoy doing? • What excites your child and arouses his or her curiosity? • What seems to be frustrating? • Does your child thrive in a structured environment or seem to prefer one that offers more freedom? • Is your child quiet or rambunctious? • Does he or she prefer to work on projects alone or with other children? • Does he or she have any special interests or abilities? Make a list of answers to these questions as well as taking note of any other characteristics you notice about your child. As you read more about individual schools, and when you visit the ones that interest you, you will be better able to choose a school that suits your child. For high school, parents often choose a new school for their children. This is frequently because their current school goes only through 8th grade. As you look for a high school, consider your child’s learning style as well as his or her interests when deciding upon a school. Also keep in mind your own family goals, which may involve preparing for college, in making this important choice. continued on page 34

Wilmington Information Guide [ 33 REINFORCE THE POSITIVES

What about family expectations? In order to provide a good Schools believe parents should have a strong role in their match, a child’s school must also meet a family’s needs. Here again, children’s education. Being involved in a child’s education you may want to prepare a list of expectations and use it as a guide strengthens the whole family and sends a message to children that in the search for the best school for your child: education is an important part of their lives. Schools know that the • What goal do you have for your child’s long-term education? Is way in which parents choose to become active in their children’s college preparation a priority? schools varies greatly. Schools should provide many different opportunities for parental involvement. Most schools have strong • How important to you is parental involvement in school activities? parent associations that organize social events, help coordinate • Do you expect the school to have a role in developing a child’s volunteer activitied, and provide an organized means of character by encouraging respect for adults and peers as well as communication between parents and school. others in society, including the disadvantaged? Each of these encounters strengthens the life of the schools and • How important is it to you that you have a strong relationship and creates a community of committed adults supporting the goals of share a philosophy with other parents at the school? the schools and the students. This feeling of community, with adults • How interested are you in providing a home setting that gives and students working together for a common purpose, is one of the your child time for homework? distinguishing strengths of a sucessfull school. • How important to you is a before-school and after-school School Districts program? Wilmington is served by the Colonial, Red Clay, Brandywine, and Before beginning a search for a school, parents should reflect on Christina School Districts for K-12 public education. There are also these questions, and their expectations for schools. Parents who a bevy of private schools in and around the city. choose schools wisely are pleased after their children enroll Colonial School District (302) 323-2700 because the family and the school work in harmony with a common 318 E. Basin Road set of expectations for the youngsters. Admissions directors will New Castle, DE 19720 gladly connect you with parents of current students so you can web: colonial.k12.de.us make an informed choice for your child. Colonial School District is mainly in New Castle to the south of Wilmington. Red Clay Consolidated School District (302) 552-3700 4550 New Linden Hill Rd Wilmington, DE 19808 web: redclay.k12.de.us Red Clay covers northwestern Wilmington and suburbs to Pennsylvania. It serves about 16,000 students in its 29 schools. Brandywine School District (302) 793-5000 1000 Pennsylvania Ave Claymont, Delaware 19703 web: bsd.k12.de.us Brandywine covers northeastern Wilmington to Claymont. Enrollment is nearly 11,000 students in 18 different buildings. Christina School District (302) 552-2600 600 North Lombard St Wilmington, DE 19801 web: christina.k12.de.us Christina is the largest school district in Delaware. It serves more than 19,000 students, and mainly covers southwest Wilmington to Newark.

34 ] Wilmington Information Guide SELECTING CHILD CARE

When you’re new to a community, locating a person or program Before/After School Programs to provide child care for you is not the easiest of tasks. Due to These programs give children additional time and opportunity to expanding demand, just finding an opening may be difficult. engage in hands-on enrichment activities in reading, science, math, Pinpointing a place that is not too far or too expensive and, most art, drama, and specific “safety” topics that include conflict importantly, a provider whom you trust, may take days or weeks of resolution and drug abuse. Most programs offer homework persistent phoning and visits. assistance and some offer tutoring. Most also provide supervised As a parent, it is your responsibility to ensure that your child is physical activity and healthy snacks, or even dinner. School age safe and happy in a child care environment that is fun, educational, programs are often provided through local schools, child care and nurturing. You will need to consider many questions. But you centers, churches, or youth-oriented community organizations. are not alone — an increasing number of parents rely on quality Quality features include opportunities for children to make individual child care so that they may work. About 70% of parents place their and group choices about activities, opportunity to improve young children in some type of daily care. Knowing in advance that academic skills, spaces for children to relax and rest, well this is not an overnight process makes it a bit less overwhelming. supervised spaces where they can be active, nutritious snacks, and parental involvement. Types of Child Care Choosing Child Care You might like the home-like feel of a family child care home, or In addition to the forms of child care, you want to take into maybe you want your child to have opportunity to socialize with account the following factors: peers in a larger child care center. You might be looking for after • Age and personality of your child. school care for your child, a summer camp experience or a program • Child care needs of all the children in your family. that can accommodate his or her special needs. It will help you in • Location of your workplace, home and child care facility. your search to learn more about each type of child care setting. In home • Hours you need child care. Some parents may prefer the one-on-one contact an in-home • What you can afford. care provider can offer, especially for an infant. The International When you begin your search, start with the telephone. Plan to Nanny Association (INA) recommends that you interview any spend a few minutes with each call. Describe your needs and ask prospective hire at least twice and that you conduct a criminal about the program, staff, location, other children in care, and what background check, which is usually done by most placement is included in the cost. Make an appointment and visit the center, agencies. school or home, and plan on spending at least an hour at each One key to good child care is whether the caregiver can adapt to place. Visit once to observe the children in care and at another time the needs of each child and family. Not all children of the same age outside of regular structured hours to spend time with provider or are at the same level of development; each child has unique director. character traits. A good caregiver understands these personal and In any group center, health, safety, and hygiene must be given developmental differences and creates a program to meet each priority in all settings. All children and staff members should have child’s needs. current immunizations; staff should have clear criminal background Center-Based Care checks. The facility must be child-proof and all staff members The most popular type because there are so many options for should wear disposable gloves when changing diapers. Toys should children of all ages. You take your child to a place that is organized be disinfected on a regular basis and frequent hand washing should and staffed specifically to care for a group or groups of children. be promoted among the staff and children to minimize the spread Some types include day care centers, preschool programs, of infection. before/after school programs. Preparing Your Child for Child Care Day Care Center Most young infants, up to seven months, adapt to caring adults If you’re considering a day care center or another group setting, and seldom have problems adjusting to good child care. Older you should spend some time observing the center and talking to infants may be upset when left with strangers. They may feel parents with children in the center. You should also expect that your separation anxiety, which is a normal part of development for some child will be assigned to the same caregiver to promote a sense of children. They will need extra time and your support to “get to security and consistency. Inquire about the rate of staff resignations; know” the caregiver. Some children show changes in behavior low staff turnover minimizes the need for young children to when they start child care. Toddlers may cry, pout, refuse to go to repeatedly adjust to new caregivers. or act angry in other ways. Preschoolers may regress and behave Preschool Programs like a younger child. They may be more wakeful at night. This Preschool programs are offered through Head Start, child care behavior usually goes away after a few days or weeks in high-quality centers or local public and private schools. They can be offered as child care, just be sure to monitor. a half-day program for three or four days a week or they can be part of a full day program at a child care center. continued on page 36

Wilmington Information Guide [ 35 SELECTING CHILD CARE

You may help your child adjust to a new child care arrangement. the caregivers and the child deal with any changes in the child's Arrange a visit with in-home caregivers while you are at home or routine at home or child care. High-quality child care helps children when you need child care for a short time. Visit the center or family grow in every way and promotes their physical, social and mental child care home that you have chosen with your child before development. It offers support to working parents. Your pediatrician beginning care. Show your child that you like and trust the caregiver. wants your child to grow and develop with enjoyment in a setting Some children like to carry a reminder of home when they go to that supports you as a parent. child care. A family photograph or small toy can be helpful. Talking In the final analysis, locating a child care provider with whom you to your child about child care and the caregiver is helpful. Being are confident is well worth the searching. Why? Your child benefits prepared makes any new experience easier for children. There also greatly from such an arrangement, meeting and interacting with are storybooks about child care that you and your child can read other children and adults. The child learns and grows from together. (Check with your local library, another great outing for a experience, often times a major step in establishing independence parent and child) and becoming his or her “own person.” And you feel more at ease After a child has been in child care, a sudden change in leaving them. caregivers may be upsetting. This can happen even if the new For more information you may want to visit the following website: caregiver is kind and competent. If you are concerned about your American Academy of Pediatrics, www.aap.org child's feelings, you may want to arrange a meeting with the caregiver or ask your pediatrician for advice. Parents need to help

HIGHER EDUCATION - WHERE TO GO?

A List to Consider When Making Decisions About College 4. Factor college tuition into family budgeting. Try plugging the Admissions experts from Baruch College, a senior college in the estimated cost of attendance (tuition, room and board, books, City University of New York, offer some tips to help parents cope transportation, student fees) for each school at which your child with the stress of guiding their child through that all-important is accepted into your family’s budget. This will provide you with question: Where should I go to college? a better long-term financial plan. And don’t forget about graduate school, if that is in your child’s plans; it’ll be upon you Academics both before you know it. 1. Remember why your child is going to college in the first place. 5. Explore all avenues of financing. Don’t count solely on the Now is the time for your child to reflect on what she truly wants. college’s financial aid award for help. Learn about scholarships Compare her preferences and ambitions to the resources that being offered by local businesses, community organizations, and each school offers. Consider each school’s academics, study employers; your family could qualify for additional aid monies. abroad programs, student life, extracurricular activities, career services, internship programs, etc., and ask how it will further 6. Get to know your school’s financial aid team. Most financial aid your child’s educational and career goals. Reassure your child departments offer free workshops on how to plan for the cost of that it’s okay to be uncertain about her career ambitions but, if attending college. Take advantage of such sessions, and don’t she is, a college with flexible academic programs and multiple be bashful; ask as many questions as occur to you. Now is the options is probably a good bet. best time to consider all your options. 2. What happens to people who graduate from this school? Look Campus and Residential Life into what most of the graduates of the schools your child likes 7. What’s new at school? It’s been several months since you and wind up doing. If your child is interested in the fine arts, and the your child did all that college research. Go back on the colleges’ majority of students at a particular school end up working in the websites and see what’s up! Schools may be offering new financial industry, it should give you both pause. programs, hosting unique events on campus, renovating 3. The downside of high school success. Sometimes, even a top- facilities, or announcing new faculty appointments— any of performing high school student is surprised by the rigorous which could affect your child’s decision. demands of college courses and professors. Even if your child 8. Finding the right fit. Every school has a personality; you don’t was accepted at the school of his dreams, he needs to want to spend thousands of dollars on one that clashes with understand that he’s starting all over once he gets to college; his your child’s. Visit the campus again—or for the first time if you sterling SAT score won’t matter if he skips class or studying. haven’t been yet! Encourage your child to attend an accepted Have an honest conversation with your child about the level of student reception; sit in on a class; go to a sporting event; and commitment required at the schools he likes and make sure he’s talk to current students—without you hovering in the prepared for it. It’s (Almost) All About the Money background! Students will speak candidly to each other about

36 ] Wilmington Information Guide HIGHER EDUCATION - WHERE TO GO?

real-life college issues like the social scene, academic Coping pressures, and drinking on campus— all things your child 10. Breathe deeply and stay calm. Make clear to your child that you should be aware of in advance. are available to talk things through, weigh the pros and cons, ask 9. Safety first. Let’s face it: sending your child off to college is scary questions, and visit campuses with her but that, ultimately, the enough without worrying about crime. Take note of a school’s decision about where to go to college must be her’s. It’s hard to location and ask college officials about security: Is there a 24- hand over the keys to her future, but when you watch her receive hour security team? What kind of campus alert systems are in her diploma, you’ll realize it was well worth it. place? What are the crime statistics for the area? What security precautions exist in the residence halls? While you’re asking questions, explore the college’s mental health and counseling services—college can be stressful for kids as well as parents.

TYPES OF HIGHER EDUCATION

Community Colleges Online Learning Community colleges exist for two major purposes. The first is to Recent years have witnessed the rise of online degree programs, serve as a bridge from high school to college by providing courses to allow the busy professional a chance to work at their own pace for transfer toward a bachelor’s degree. Four out of 10 college- from the comfort of their home on the path to getting a degree. The bound high-school graduates start their college education this way. costs to students are typically the same as for traditional classes— The second function of community colleges is to prepare and financial aid is equally available—while the cost to the institution students for the job market by offering entry-level career training as can be much less. well as courses for adult students who want to upgrade their skills There are online universities ranging from legitimate distance for the workplace. They often offer programs that are not available learning systems to fly-by-night degree-mills. It’s important to at four-year schools, like fashion design. research a particular institution before deciding to enroll in their Delaware Technical and Community College (302) 571-5300 system. Generally, brick-and-mortar schools that also offer online 333 Shipley Street classes are the safest, though there are plenty of fully accredited Wilmington, Delaware 19801 online universities out there. web: dtcc.edu Nearly 3 million students are believed to be taking online classes The state community college system was founded in the 1960s at institutions of higher education in the United States this year. That and has 4 locations through Delaware. The Wilmington branch is number has been growing about 25% a year recently. Now, virtually located in the heart of downtown. all public higher education institutions, as well as a vast majority of private, for-profit institutions, now offer online classes. By contrast, Liberal Arts Colleges only about half of private, nonprofit schools offer them. Liberal arts colleges offer a broad base of courses in the Online schools offer everything from Associate’s degrees to humanities, social sciences, and sciences. Most are private and Doctoral programs with available emphases in everything from focus mainly on undergraduate students. Classes tend to be small Business Administration to Criminal Justice to Nursing. Some and personal attention is available. programs require students to attend some campus classes or Delaware College of Art and Design (302) 622-8000 orientations, but many are delivered completely online. 600 N. Market Street, Wilmington, DE 19801 Online courses generally require a computer with a broadband web: dcad.edu connection, but are now a serious option for the busy professional. DCAD is a top art school created by a partnership between New Public vs. Private York’s Pratt Institute and Washington DC’s Corcoran School. DCAD Public colleges are usually less expensive, particularly for in-state grads can either stop with a 2 year associates degree or continue residents. They get most of their money from the state or local to a 4 year degree at either of these two top tier schools. government. Private colleges rely on tuition, fees, endowments, and other private sources. Private colleges are usually smaller and can offer more personalized attention and often more prestige.

continued on page 38

Wilmington Information Guide [ 37 TYPES OF HIGHER EDUCATION

Wilmington College (302) 328-9401 Widener University (302) 477-2100 320 DuPont Highway Wilmington Campus - School of Law New Castle, DE 19720 4601 Concord Pike web: wilmcoll.edu P.O. Box 7474 Wilmington College is a private school that has more than 10,000 Wilmington, DE 19803 web: law.widener.edu students. It has 6 locations throughout the state of Delaware; the main campus is just outside Wilmington in New Castle. The main campus of Widener University is just south of Pennsylvania, but the Law school finds its home just north of Universities Wilmington. The school has many specialized law programs, Generally, a university is bigger than a college and offers more including a top-ten health law program. majors and research facilities. Class size often reflects institutional size and some classes may taught by graduate students. Upper Division University of Delaware (302) 831-2792 Upper-division schools offer the last two years of undergraduate Newark, Delaware 19716 study, usually in specialized programs leading to a bachelor’s web: udel.edu degree. Students then generally transfer to an upper-division Three members of the university’s original class signed the college after completing an associate degree or after finishing a Declaration of Independence. The main campus is 12 miles west in second year of study at a four-year college. Newark, but there is a satellite branch in Wilmington. About 16,000 attend in the system.

DEGREES AND CERTIFICATES

Certificate or Diploma Combined Bachelor’s/Graduate Degree (or Joint Degree) These non-degree offerings generally lead to employment in an Complete a bachelor’s degree and a master’s or first-professional occupational field. For example, to enter fields such as computer degree in less than the usual amount of time. In most programs, science or teaching, you may first have to get a certificate or students apply to the graduate program during their first three years diploma. of undergraduate study, and begin the graduate program in their Associate Degree fourth year of college. Successful completion results in awarding of You receive an associate of arts (AA) or associate of science (AS) both bachelor’s and graduate degrees. These are sometimes degree after completing two years of study similar to the first two referred to as “4 +1” programs. years of a four-year college. After earning an AA or an AS, you may Masters Degree transfer to a four-year college to complete the requirements for a These signify more specialized training in a particular field. They bachelor’s degree. The associate of applied science (AAS) degree is are competed after the bachelor’s degree, usually over the course awarded on completion of technological or vocation programs of of 2 years for the full time student. study. Doctorates Bachelor’s or Baccalaureate Degree These generally signify some significant research in the field, and Complete a four- or five-year, full-time program of study (or its are an upper level degree. part-time equivalent) at a college. The Bachelor of Arts (B.A.) and Bachelor of Science (B.S.) are the most common.

38 ] Wilmington Information Guide PAYING FOR SCHOOL

FAFSA web: fafsa.gov Types of Financial Aid FAFSA, the Free Application for Federal Student Aid, is a form Financial aid may be classified into two types based on the that must be filled out annually by university to determine their criteria through which the financial aid is awarded: merit-based or eligibility for federal financial aid (including grants, loans, and work- need-based. study programs). In addition, most states and schools use Merit-Based information from the FAFSA to award non-federal aid. Merit-scholarships are typically awarded for outstanding The FAFSA consists of numerous questions regarding the academic achievements, although some merit scholarships can student’s finances, as well as those of his or her family; these are also be awarded for special talents, leadership potential and other entered into a formula that determines the Expected Family personal characteristics. Merit scholarships are sometimes Contribution. The amount of the EFC can vary widely, depending on awarded without regard for the financial need of the applicant. a number of factors; for example, one such factor is whether a Athletic scholarships are a form of merit aid that takes athletic talent student has siblings in college at the time. into account. The best place to look for help before you start filling out your Need-Based FAFSA is at your school’s financial aid office. Need-based financial aid is awarded on the basis of the financial Other Sources need of the student. The amount of need based aid is generally FAFSA only scratches the surface of the money available to based off the criteria on the FAFSA. students for school. There are many state and private scholarships Loans out there. The easiest way to find listings of what scholarships that While included in the term “financial aid” Higher Education Loans you may qualify for is by going to a scholarship database online and differ from scholarships and grants in that they must be paid back. doing a search. Some handy sites for this are: They come in several varieties in the United States Lunch-money.com • Federal Student Loans made to students directly: No payments Finaid.org until after graduation, but amounts are quite limited Fastweb.com • Federal Student Loans made to parents: Much higher limit, but Collegeboard.com payments start immediately It’s not recommended that you participate in any website that • Private Student Loans made to students or parents: Higher limits asks you to pay a fee to search for a scholarship; there are many and no payments until after graduation. wonderful free sites available. Getting Your MBA Part-time Getting your MBA may be imperative to you and your career. More than 40% of all graduate students are working adults, so it is possible to balance the rest of your life with your desire to continue your education. You’ll generally spend three to four hours a week with the instructor in a 3-credit class. It’s generally recommended that you spend about 8 additional hours a week studying and preparing for the next classroom session, so 12-15 hrs a week total. So where are you going to find an extra 15 hrs a week? It helps to journal how you do spend your time during the week, and then list priorities. Lower priority items, like watching TV, may take up more time than you realize, and can be shelved so you can continue your education. Re-prioritizing your time is the most crucial step in ensuring you’ll have success on your path to your degree. Make sure you discuss your goals with your boss, friends, and family, so they know what to expect as you add this major commitment to your life.

Wilmington Information Guide [ 39 40 ] Wilmington Information Guide FITNESS & HEALTH

IN THE KITCHEN

received this recipe in an email from one of my co-workers. Well actually since he will be reading this, I’d better be more precise. He’s my boss! But it’s a summer Friday Iafternoon, so we’re a little relaxed. Anyway, in spite of it being a Friday afternoon, it inspired me to write this article. The avocado (Persea Americana) is a tree native to Mexico. The oldest evidence of avocado use was found in a cave located in Coxcatlán, Puebla, Mexico, that dates to around 10,000 BC. About 95% of United States avocado production – is located in Southern California. Fallbrook, California, claims the title of “Avocado Capital of the World”, I’ve been there and it's amazing to see all those rows of trees filled with ripe avocados! The Hass avocado is today the most common. It produces fruit year-round and accounts for 80% of cultivated avocados in the world. Hass avocados have ovate fruit with a dark green or black, rough, pebbled skin. All Hass avocado trees are descended from a single “mother tree” raised by a mail carrier named Rudolph Hass, of La Habra Heights, California. Hass patented the productive tree in 1935. Spinks is another type you may be familiar with. Mostly grown in Florida, the fruit is larger Please visit our website, www.NewMarketServices for more recipes. www.NewMarketServices Please visit our website, and rounder, with a smooth, medium-green skin, and a less-fatty, firmer and fibrous flesh. Because it has less oil it often isn't as flavorful. A fun project is to grow your own plant indoors. This is done by removing the pit from a ripe, unrefrigerated avocado. Poke the pit with three or four tooth picks, about one third of the way up. Place the pit in a jar with tepid water. In four to six weeks, it should split and out should come roots and a sprout. (If there is no change by this time discard and try again.) Once the stem has grown a few inches, it is placed in a pot with soil. It should be watered every few days. Avocados have been known to grow large, so be ready to repot the plant several times. Enough about avocados. A small warning about the recipe. If you have been reading my recipes you will notice this one digresses from my normal format. I try to be very precise with my ingredients and directions, leaving nothing to chance. Patrick allows for you to be creative. Tonight Patrick, in Chicago, and I, in Scottsdale will be comparing our creations. I hope you enjoy yours.

Patrick’s Authentic Irish Guacamole*

Ingredients Directions 4-6 ripe avocados, depending on how Cut, spoon out avocado into a bowl. Mash many you people you are serving. them up, we decided we both prefer left About 1/2 or so of a medium to large chunky but you may prefer creamy. white onion, depending on how much Dice onion, jalapeños, add to avocado you like Chop up the cilantro fine – few stems won’t Couple nice tomatoes – plum if you hurt, add Chop tomatoes into small squares, want, depending on what you prefer. add salt and olive oil. 2 jalapenos Cut and squeeze limes into mix Bunch of cilantro Mix all and enjoy with good tortilla chips & 2 limes some hot sauce on the side!!!! Sea Salt *It’s green, therefore Irish. therefore green, *It’s Tablespoon or so of olive oil

Wilmington Information Guide [ 41 PHYSICAL AND MENTAL WELL BEING

Choosing a Health Club • Does the club offer instruction in a sport or activity that you might Your move is filled with many new challenges. If your life style want to learn (tennis, squash, swimming, etc.)? includes working out a priority will be to find a club that meets your • Does the club offer a variety of leagues? If you want to compete needs. Or a new move may bring the perfect time to implement - is the club affiliated to the right leagues, and does it have teams those healthy lifestyle changes that were on your New Year’s of the right standard for your competencies? Resolution list for the past several years. • Does the club offer a variety of high-quality weight equipment? It Begin your search before you move. Ask your current club for should include free weights, such as barbells and dumbbells, and recommendations or perhaps they even have reciprocity with a club machine weights, you really need both to get a proper workout. in your new location. If you belong to a national chain, chances are • Does the club offer a sufficient number and variety of programs good that you will be able to transfer your membership. for you to achieve other goals (stress management, weight However if you do find yourself looking for a new club, use this management, smoking cessation, social activities, etc.)? check list to help you find the place that will work best for you. • Are there long lines at the equipment, or crowded aerobics When visiting a club use your own observations and question the classes, at the time that you would be using the club? staff and current members. Be sure your new club will be able to • What are the real costs? Make sure you understand all rates, meet your fitness, social, and safety needs. charges and fees because these can vary widely, and many clubs • Is the club clean and well maintained, especially the locker rooms require contracts ranging from a few weeks to a year or more. Be and the shower areas? sure you’re entitled to use all facilities, such as pools and spas at • Are staff members friendly and helpful? Make sure there is always no extra charge. someone available to answer your questions, to show you a new • Is child care available if you need it? exercise, or how to use a piece of equipment. • Is there adequate parking available if you need it? • Does the location for work for you? It’s best to select a club that’s One way to find out whether a club is right for you is to try it out near where you live or work. for a few days. Some clubs offer a special guest pass for • Do fitness staff members have appropriate educational prospective members. But even if you have to pay for a week to try backgrounds and/or certification from nationally recognized it out, it’s better to spend the money than to make a long-term certifying agencies? commitment to a club that doesn’t work out. Try the club during the • Are new members provided with a club orientation and hours you will normally be using it. It will give you a realistic idea of instruction on how to use equipment? what the club environment while you are there. • What age group do you see while visiting? If you are in your 50’s, It’s important to read health club contracts carefully. Don’t do you really want to work out with a group in their 20’s (and vice assume the club offers classes such as aerobics as part of the versa)? Be sure to visit club at the time you will be normally using membership. While some do, others charge extra. If the health club the facilities. requires a long-term commitment, find out whether you’ll be able to • Does the club have the cardiovascular resistance equipment you get a refund if you need to cancel your membership due to a job want and need to achieve your fitness goals? transfer, an injury or if you simply find that the club isn’t working for • Does the club offer sufficient number and variety of programs for you. you to achieve your fitness goals (aerobic, racquet sports, It’s a fact that of every three people who join a health club, only basketball, etc.)? If classes or group activities help to motivate one will work out there 100 days a year. Find a club that you are you and the health club doesn’t offer the classes you need, comfortable with and you will greatly increase your chances of sticking with your exercise program won’t be realistic. being the one of three people that are there more than 100 days a year.

NewMarket Services wishes you good health.

42 ] Wilmington Information Guide PHYSICAL AND MENTAL WELL BEING

Coping With Change where to go to make new friends can bring feelings of isolation and Did you know that your body and mind sense change as stress? loneliness. Whether you change the place you live or where you work, it all Creatures of Habit adds up to stress. The more changes that come at one time, the Psychologically, most of us are creatures of habit and quickly more stress you experience. develop repetitive patterns that make us feel comfortable and Self-Image secure. Ever notice that most people find the same seat or section Your attitudes towards change often depend on your self image of the commuter train or bus? Drivers usually take the same route and expectations of how difficult it may be. Your self image is the every day. We do this in order to reduce stress. inner vision of who you are. It is the basis of your every thought, The sameness of established behavior develops a sense of word and action. Moving, with the many changes it entails, offers an control over ourselves and surroundings. By seeking repetitive excellent opportunity to modify and/or improve your self image habits, we save our energy for new events that are either through the risks of taking positive action. unpredictable or uncontrollable. When change removes the Some people welcome change as a challenge or an exciting new sameness from our lives, we attempt to relieve the tension experience. Others may resent the inconvenience and extra effort produced by uncertainty and newness. We look for ways to develop they need to make to re-establish a comfortable routine. Still others other familiar patterns. feel overwhelmed by the unknown and are not sure where to go or to whom to turn. Often, stress causes old issues, defeats or concerns to resurface. Perhaps new worries and fears form unexpectedly, or you feel tired and fatigued most of the time. Decision making abilities are affected, and you seem to be having less fun and enjoyment. These are all telltale signs of stress brought on by change. When signs of stress affect you, it may be a time of emotional transition, indicating old behavior patterns are not as effective as they once were. This is often a good time for self-reflection-to look at what you like in yourself and what you do not like. Stress When you relocate to a new city, all categories of your life are changed. Along with the obvious changes listed above, moving to a new community requires finding new sources for familiar services. Finding a new hairdresser, barber, drugstore, food market, doctor, lawyer, cleaner and shoemaker are all necessary. You not only have to locate these services, but you need to determine if you are satisfied with the quality of the services provided. Forming a comfortable working relationship with the service provider adds more stress to the change itself. Perhaps your whole lifestyle changes if you are moving from a Management of Change smaller or larger community. With long-distance moves, you will have to make new friends and develop a different emotional support To manage change effectively, several simple steps will help you system. When these changes are not made through your own adjust to the newness and extra effort needed to establish different choices, but are the decisions of a boss or someone in your family, patterns in your life. then the stress is even greater. Children have to make changes • Organize your time so you can finish the tasks you have planned. because of their parents. They need special help and understanding • Have realistic expectations. Do not plan to complete everything getting settled in school and making new friends. Often, they will within the first few weeks. have difficulties as they adjust to the new surroundings. • List your priorities and finish each one before you go on to the Changes produce stress not only within yourself, but also with next. the people with whom you are close. It may cause you to react • Provide your body with recreational time and time to relax. differently from your usual behavior. If you are in a relationship or • Trust your first impressions; they are most often right. marriage, you may find more tension developing, with less patience Periods of change can offer you an opportunity for growth within or tolerance of the other person. If you live alone, not knowing yourself. Professional consultation may be useful during this period.

Wilmington Information Guide [ 43 PHYSICAL AND MENTAL WELL BEING

Choosing a Primary Care Provider Guidelines to Narrow Your Choices One of the most important decisions that you will make in your • Insurance – With the risings costs of health care, be sure your relocation process is choosing a Primary Care Provider for you and insurance will be accepted. your family. Don’t put off the decision until you get sick. Your PCP • Professional credentials - any provider you consider should have will be responsible for approximately 90% of your health care. The graduated from an accredited medical school, and be sure relationship you develop with this health professional can be the key they’re board certified. to keeping illness at bay, and it is your best connection into the rest • Professional affiliations - Your provider should be affiliated with a of the medical system. Your PCP can help you seek appropriate large, well-equipped hospital, either as a staff member or as an consultations with specialists if or when the medical problem is attending physician, a title that carries with it admitting privileges. beyond the realm of his expertise. • Practice arrangements - You may choose a solo practitioner or a A generation ago, people relied on General Practitioners (GPs) for group practice, in which two or more doctors in the same all their medical needs, from treating colds, and backaches to specialty or different specialties share the same office. setting broken arms and delivering babies. The competent GP • Location and office hours - If these aren’t convenient, you may knew the medical histories of every member of a patient’s family have a difficult time making an appointment. because he treated them all. Today, Primary Care Providers are bringing this tradition back with the addition of providing preventive Make a Consultation Visit and Consider the Following health measures. More emphasis is now placed on preventive • Office is clean and the staff is courteous and helpful. medicine. You are now responsible for the health of you and your • You are seen by the doctor within a reasonable time of your family by making informed decisions, improving your diet and appointment or you are given a good explanation for any delay. exercising. A primary care provider (PCP) is a general practitioner • You are not rushed through the visit. The provider listens to you, who sees people of all ages for common medical problems. Your does not interrupt you and encourages you to voice your PCP is often involved in your care for a long time, so it is important concerns about your health. to select someone with whom you will work well. You will want to • The doctor is well-informed about preventive health measures, choose someone that emphasizes wellness and self-care by giving such as nutrition, exercise and the widely recommended use of you the information needed to make healthy lifestyle choices and screening tests. He should be quick to inform you of healthy health care decisions. lifestyle choices. Below are some guidelines to help you make your decision. • You’re comfortable talking to the doctor and the doctor explains Begin by Gathering Some Choices. things so that you can understand. • Before you move ask your current health care provider for a Most importantly, don’t put off the decision until you get sick. If a referral. You can also ask other doctors you respect and see health care problem arises, and you have not yet chosen a provider, regularly. it is usually best to seek non-emergency care from an “urgent care • If you belong to a managed care plan, find out what doctors are center” rather than a hospital emergency room. This will often save affiliated with it. you time and money. However recent years, many emergency • Ask friends, relatives or business associates. Referrals from rooms have expanded their services to include reasonably priced people you know are usually based on trust and confidence in the urgent care within the emergency room itself or an adjoining area— provider. to find out, call the hospital first. • Hospitals usually offer a referral service that can provide you with the names of staff doctors who meet certain criteria you may be seeking, however they will not vouch for the quality of care.

44 ] Wilmington Information Guide VOLUNTEERING IN YOUR COMMUNITY

One of the best ways to become involved in your new community Many people are reminded of their wish to volunteer during is through volunteering. The benefits of volunteering are many, for holiday seasons, but this is when organizations might have an everyone involved. Ask your employer for advice. Many companies excess of help. If you want to volunteer during the holiday, give employees paid time off to volunteer and will often publicize remember to contact the organization in advance. Otherwise, time their employees’ community service. According to the research your work for the lean season. group Independent Sector, the U.S. volunteer sector is equivalent to Volunteering is fun, leads to learning new skills, meeting 9 million full-time workers. Whether you have an hour or a weekend, interesting people, making new friends, sharing your talents, and if you want to help kids or the environment, there are great keeping in touch with the community in which you live. Whether it is organizations that will excite your particular interest, broaden your important to you to solve a community problem, advance a worthy horizons and fit into your time schedule. cause or to develop as a person, volunteering offers many benefits Don’t forget to include your family. If your children are school age in appreciation for the gift of your time and expertise. chances are there are many opportunities to volunteer at their Once you have chosen an area of interest, how should you go school, or even in their classroom. That is a great way to meet other about involving yourself? See what the Web can do for you. 1-800- parents with children the same age. Clean up a neighborhood park Volunteer.org, a service of the Points of Light Foundation & with your children. Spend a morning at a homeless shelter with your Volunteer Center National Network provides listings of local and children. You’ll find that volunteering is not only a fun family-bonding virtual volunteering as well as contact information for Volunteer experience but a great way to teach children the importance of Centers across the nation. Open the classified section of your local giving back to the community. paper. Check out the bulletin boards in your office. Or just start How you get involved with your community depends on your calling the local agencies you’re interested in. interests, skills and time. Choose something that fits well in to your One of the best ways to make these contacts is to walk right into schedule and makes you excited about working together to help the organization—a library, a shelter, training facility, or a political make a difference. Every person has that capability. Each of us can office—and find out who organizes volunteers. You can tell a lot by right a wrong, fill a plate, visit a shut-in or clean up a park, and that meeting the volunteer coordinator and any volunteers who happen does make the world a better place. to be on duty. While you won’t earn a paycheck for volunteering, There are several things to consider when choosing in what to you will earn valuable experience, a sense of accomplishment, and involve yourself. First of all be selective, think about what matters to the satisfaction that only comes from personally making the world a you, and where you wish to spend your time. If you have certain better place to live. social issues that you feel passionate about, it’s a great place to put your energy. You may have particular skills that will steer you toward a certain organization. Are you willing to explore new opportunities? Volunteering can teach you valuable new skills that you may use in other parts of your life. "You make a living by what you get, but you make a life by what you give." - Winston Churchill

Wilmington Information Guide [ 45 46 ] Wilmington Information Guide HOUSING

MAKING THE RIGHT CHOICE…

Rent or Buy? The decision to rent or buy in your new location is dependent upon many considerations unique to your personal situation. Some of the potential factors involve the tax implications, down payment, other investment vehicles, the length of time you are anticipating being in your new location and whether or not your current home has sold. If you decide to buy, should you purchase an existing home or build a new one? Again, many factors have to be considered. Will an existing home need a lot of repair or remodeling to bring it to your standards? What about the difference in the cost of operation and maintenance between new and an existing structure? How should you finance a renovation? Which home will appreciate faster? Will it be difficult to get a construction loan? Is it better to rent for a while to become familiar with neighborhoods in your new city? What about capital gains tax if you don’t close in time? We suggest you seek the advice of a certified financial planner and a realtor to thoroughly clarify your options. These choices can become quite complex. Some Advantages to Renting Whether you’re in your first apartment or a longtime resident, there are many advantages you are afforded by choosing apartment living. Mobility: You enjoy the freedom to move, to accept that better job, to take the vacation you’ve dreamed of. No maintenance: Just relax and delight in the grounds and facilities maintenance technicians keeps attractive for you. Flexibility: You have the ability to increase or decrease your living space without the burden of sales pitches, closing costs, interest rates or the high cost of maintaining a home and property. Location: The choice is yours! Recreation: Chances are, you’ve chosen an apartment community with a swimming pool, tennis court, weight room or sauna. Apartments have the equipment and people to maintain them, which is no small task for the homeowner. No waiting: If you’re like most apartment residents, moving into your apartment was easy and fast. You settled into your new home without lengthy paperwork, a loan approval period or a large financial investment. Your Current Residence As you prepare to move, a big decision may include whether to sell or rent your current property. Ask yourself the following questions as you make this decision. You may also want to ask advice from a real estate agent.

continued on page 48

Wilmington Information Guide [ 47 MAKING THE RIGHT CHOICE

Financial refrigerator/freezer for storage space. Is there enough counter and Is this property good for rental income? Can you charge more for cabinet space? Don’t forget to keep an eye out for bugs, especially rent than you pay for mortgage, taxes and upkeep? How will selling in a high-rise building. affect your federal and state tax situation? Furthermore, if your Inspect the central air conditioning and heating systems. Ask property does not sell quickly, can you afford to keep the home other tenants if there is enough heat in the winter. It can be costly if vacant while it’s on the market? If not, do you feel you will be able you have to buy or rent window air conditioning units. to find a renter on a short-term basis? Are you likely to want to move Is there enough storage space? Do you have enough closets for back into the home some day? clothes, linens and general items. Are there built-in shelves and Market bookcases for books and DVDs? Do you also get a storage space Is it a seller’s market? Signs include low interest rates and that is not adjacent to the unit? shortage of homes for sale. How long have similar homes been on Does the building have special amenities such as a swimming the market and how long are you willing to let your home be on the pool, game room, barbecue area, and exercise room or tennis market? Or is it a good rental market and do rental units have tenant courts? Keep in mind that recreational amenities generally will waiting lists? Is your property in a trendy area? Desirable areas increase your rent. You should consider what features you will really typically garner higher rents and seldom have vacancies. use. Rental Tips How is the noise level in the complex? Have neighbors been Apartment experts say that some detective work is needed to playing music louder than you prefer? Are you located by a major conduct a search that finds the most livable rental residence for the airport, freeway or train tracks? money. After you have weeded out a good apartment complex from Do you need an apartment that takes pets? If not, do you want many rent signs and/or listings, scanned the neighborhood you like to live in an area that does? Do tenants appear to be cleaning up for the best rental possibilities, you will be ready to scrutinize each after their pets? What is the management policy for pet size and property and landlord for shortcomings. It is easy for a prospective maintenance? tenant to gather quick clues about the general care, maintenance of Rental experts suggest that tenants should tour several the building, and cleanliness of the area overall. Try to talk to the apartment complexes before placing a deposit on a unit. The tenant who is vacating the apartment you are planning to rent. He minimum deposit to hold a unit is usually $100. Prospective renters or she can tell you a great deal about the pluses and minuses of still need to fill out an application and pay an application fee. This living there. Here are some tips for inspecting the inside of the will hold your unit while your employment, credit and rental histories apartment: are being checked out. This process usually takes 7 to 10 days to Is it clean? Carpet should be cleaned and walls/ceilings should complete. be freshly painted. Does the apartment have a bad odor? It could be a tip that the prior tenant had a pet or cooked spicy foods. Check room sizes with a floor plan. Make sure the furniture that you will be moving will fit. Is the bedroom near the bathroom? Does the dining room adjoin the kitchen? Inspect kitchen appliances. Check the stove to see if all burners work. Does the range have a hood with a fan? Is the oven self- cleaning? Is the stove gas or electric? If it is gas, you may have an extra monthly charge for cooking gas. This would also be true if you had a gas clothes dryer in your unit. Check out the

48 ] Wilmington Information Guide CHOOSING THE RIGHT HOME

Making a final decision and determining which house to make an Property Taxes offer on shouldn’t be taken lightly. The decision should be made Property taxes may vary from one neighborhood to another. This rationally and not guided by emotion. You most likely won’t have the can sometimes affect whether you view a community as a desirable luxury of taking your time on deciding which house you’d like to place to live. Higher property taxes often mean newer and more pursue. However, since it is such a major decision you would like to modern schools, well-maintained roads, and bountiful community base it on factual information. Some broad categories to consider services. are: Schools Appreciation If you have school-aged children and plan to send them to public Ask your real estate agent to retrieve sales of homes in the school, you definitely want to consider the reputation of the neighborhood over the past few years. If one neighborhood shows neighborhood school. If you plan on sending your child to a private an annual average 8 percent increase and another is skyrocketing school, how long is the commute? You will likely spend a lot of time at 15 percent, you may have your decision made. driving your child not only during the school day but for extra- Crime curricular events outside the daily school schedule. Which ever Go to the local police or sheriff department and ask about crime school you decide, you can usually find general district information in your specific neighborhood. You might find theft or vandalism to and state standardized test results online. Always plan a visit to the be more prevalent in one area than another. Also please the school and receive the information first-hand from school website, www.familywatchdog.us. When you visit this site you can administrators. You should also talk to teachers and parents. enter your address and a map will pop up with your house as the Sellers’ Situations small icon of a house and red, blue, green, dots surrounding your If you don’t know already, ask your real estate agent how long the entire neighborhood. When you click on these dots a picture of a house has been on the market. Usually the longer a house has been person will appear with an address and the description of the crime listed, the better chance the seller will accept an offer lower than he or she had committed. asking price. Conversely, if the house has been on the market for Drawbacks just a couple days, the sellers will probably wait for a better offer if you offer less than the listed price. Your real estate agent might also Rarely will you be lucky enough to find a perfect place. Think be able to dig up additional information about the sellers, like why about the cons associated with each house and determine to they’re selling. If it’s a job-related move or a divorce, the sellers likely correct them or how much of a negative impact each will have. want to move as quickly as possible, meaning you have a better The House shot at them accepting a lower price. Make a list of the amenities and attributes you want your house Style and Substance to have. Be specific. Prioritize that list. Then, rate how each house The SUBSTANCE are things that cannot be changed such as the measures up to each need on your list. location, view, size of lot, noise in the area, school district, and floor Neighborhoods plan. The STYLE represents easily changed surface finishes like If you have kids or pets and being close to a park is important, carpet, wallpaper, color, and window coverings. Buy the house with you’ll want to consider that. How close are shopping, restaurants, good SUBSTANCE, because the STYLE can always be changed to churches, and other services? Are the streets maintained? How do match your tastes. your prospective neighbors keep up their property? How long will your commute to work be?

Wilmington Information Guide [ 49 HOUSING OPTIONS FOR GROWING ACTIVE ADULTS DEMOGRAPHIC

According to the Administration on Aging, there are nearly 52.4 once they've retired from their jobs. You have more freedom than million people age 60 or older in the United States. By 2030, one in those of us still tied to the world of employment. So should senior every five Americans will be age 60 or older. Individuals who are 85 citizens buy or rent a home or stay where you are currently living and over are the fastest growing group of seniors, with their after retirement? numbers expected to more than triple from 5.4 million to 19 million When comparing renting and owning a home in your retirement between 2008 and 2050. The demographic profile of America’s years, maintenance and renovations need to be taken into older adults will also be more diverse in the years to come. These consideration. You must be able to keep up your home if you want trends will produce challenges as well as great opportunities to to continue living in retirement safely and comfortably. As for renting, harness the talents and energies of older Americans. many renters receive reassurance and security because they are not the one in charge of making or paying for needed repairs and renovations. One downside to renting a home or apartment is cost increase. Your rent can increase at just about any point in time. In most states, unless your lease states otherwise, rent can be increased with 30 days notice. Even so, most leases are only for one year, meaning your landlord can then raise your rent. In fact, your rent may be raised to any amount that they want, even an amount that you cannot afford. A fixed mortgage is just that and you will always know the amount of your mortgage payments. Another factor to consider is your current lifestyle, and the lifestyle you intend to lead in the future. When deciding whether to rent or buy your home, it's important to remember that the sky is the limit. You might want to travel after retirement, seeing the world on your retirement funds, and a mortgage would only serve to strap you to a particular place. You may not be able to spend winters in the Caribbean if the mortgage payments on your new home are too high. The senior housing trend started with senior apartments where Developers and home builders are now listening to those residents were monitored on a daily basis and had access to numbers. Innovative designs and careful consideration of the needs emergency services. That was just the beginning of a now extensive of active adults are now being studied to construct communities list of developments that cater to senior citizens. Many senior that include many services needed by active adults. Retirement communities include access to pools, gyms and clubhouses and villages now come complete with clubhouses for socialization, meal are age restricted. The newest developments enable seniors to own deliveries and transportation options to just name a few. Seniors will a private residence, maintain their independent lifestyles while now have to do their homework to find out which development is having many services available to them when the needs arise. right for them. Before you make a decision about where to live in retirement you need to consider many factors—the daily lifestyle you want; proximity of children, grandchildren, or other relatives and friends; the type of climate you enjoy; and your health or medical needs. Ideally you should consider these personal and lifestyle factors first. Then you need to face reality. What can you afford? As usual, when it comes to financial issues, the Internal Revenue Service enters the picture. The tax impact can be crucial when you’re analyzing the pros and cons of where and how to live. (You may access tax information for this state in another part of the guide.) Once past this process, you will need to think about renting vs. owning. Senior citizens are in a unique position

50 ] Wilmington Information Guide HOUSING OPTIONS FOR GROWING ACTIVE ADULTS DEMOGRAPHIC

For many a desirable solution is retirement communities. Called “active adult” or “age- restricted” communities, these developments are especially common in suburban cities and towns where land is more available. The residents often can choose among a few different home styles. There are normally recreational benefits, such as a swimming pool, tennis, golf and a social hall. Some of these 55-plus communities are apartment buildings, condominiums or townhouses. Since an independent living facility is one in which you may live in your own apartment while enjoying more social interaction, you can come and go as you please. This gives you the opportunity to still live like you would have at your previous house, going on vacations or visiting family as you please. At the same time, independent living facilities same general area as their housing needs change over time. There have security services that create a safe community and place to is normally the cost of buying a unit in the community as well as live so there's never a reason to feel like your personal belongings monthly fees that increase as you require higher levels of care. You will not be secure while you're away. Many retired adults choose to may want to consider a CCRC if you’d like to stay in the same move to an independent living facility because they no longer desire general facility regardless of your care needs. It also can mean to take care of that big house that once housed their larger family. spouses can still be very close to one another even if one requires All that space is no longer necessary. In addition to downscaling, a higher level of care, a big plus. many independent living facilities offer cleaning and dining services, A relatively new concept is the Village Solution. The Village on top of landscaping. It’ll give you the opportunity to really take Solution enables active seniors to remain in their own homes advantage of your free time as a retired adult, rather than keeping without having to rely on family and friends. Members of a “village” you chained to daunting household chores. can access specialized programs and services, such as transportation to the grocery store, home health care, or help with household chores, as well as a network of social activities with other village members. As of 2009, there were 50 village organizations across the United States, with many more communities planned worldwide. Each offers different services depending on the local needs of the individual communities. The cost of membership varies according to area and the level of services required, but is often in excess of $500 a year. Thinking about housing arrangements for the future can be a stressful, anxiety-provoking topic for both you and your family. It may seem easier to put off thinking about it until later, but the earlier you face your specific issues, the more choices and control you will have over your future. Even if you are completely independent at this time, circumstances can change. It pays to think a little about your current location and how things will differ if you move. For example, how far will your home be from These provide less privacy, which some people want due to shopping, medical facilities, or other services? If you can no longer safety reasons. Each of these communities also has its own list of drive, what kind of transportation access will you have? Does it regulations on what is and is not acceptable by the homeowners. have a lot of steps, stairs, or a steep hill to navigate? Read everything you can about the housing, talk with other Learn about the different types of senior housing, what choices residents and meet the officers, if there is a board that oversees the may be best for you, and how to navigate the emotional roadblocks facility. that come with choosing senior housing. But most importantly plan Continuing-Care Retirement Communities are a great option. to enjoy each day to the fullest and take advantage of every CCRCs are facilities that include independent living, assisted living, opportunity presented to you! and nursing home care in one location, so seniors can stay in the

Wilmington Information Guide [ 51 HOME INSPECTION CHECKLIST

Finding faults in a home doesn’t necessarily mean you shouldn’t Plumbing buy it. But it will help you to know the type of repair costs that Turn on the bathroom sink faucet and shower and then flush the should be anticipated, and sellers often will make adjustments in toilet. When the toilet starts to refill, does the water pressure their asking price on the basis of problems discovered in an diminish? Fill sinks and tub with three inches of water. Do they drain inspection. properly? Do faucets leak? Lift up the carpeting. Are there any signs Inspectors look for the following: of flooding or decay? Exterior Electrical Is the house well maintained? Does the roof sag? Are the exterior Open the door on the fuse box or circuit-breaker panel. Is the walls out of line? What is the condition of the paint, especially on the electrical service adequate? The average house should have 100- south and west sides, where sun exposure is greatest? Is there amp service. Is it wired for 220 volts, which is necessary for electric adequate drainage away from the house? dryers and ranges? Roof Heating & Cooling Are shingles curling and lifting? Find out how old the roof is, and How old is the heating/cooling system? Has it been maintained? you will have a pretty good idea of when you will have to replace it. Ask to see the owner’s cooling bills for the previous year. This will Windows and Doors give you an idea of its energy efficiency. Has the glazing putty dried and shrunk, allowing water and air Termites and Carpenter Ants seepage? Is the wood decayed? Are the window and door frames Look for evidence of termites and carpenter ants on basement caulked and weather-stripped? wood framing. Is there saw dust like wood or paper debris? Can Brick and Concrete you find evidence of termite tubes or tunnels? Termites live in earth, Check pavement, driveways and horizontal brick surfaces for so make sure that there are no places where earth is closer than six cracks. Is there damage from freezing? What is the condition of the inches to wood. Like termites, carpenter ants like wood and wood mortar between the bricks? Is any pavement buckling from products. spreading underground tree roots? Water Damage Insulation Look in the basement for signs of leakage. This could be a result Check the attic and crawl space. Is the insulation adequate and of poor drainage around the house. Water damage also is caused complete? Has it been properly installed? Does the insulation by seepage through porous basement walls and condensation, obstruct the air vents, preventing the house from “breathing” and which frequently is caused by inadequate ventilation. Basement possibly causing wood rot? Does the home have storm windows? walls painted a dark color may be an effort to disguise a past Interior problem. Beware of chalky white water stains on foundation walls The kitchen and baths are the most expensive rooms to or partitions; stains on wood and drywall; delamination of paneling renovate, so check their condition carefully. A newly-painted interior and lifting or buckling floor tiles; or a damp, mildew odor. may look nice, but it could be hiding something.

52 ] Wilmington Information Guide HOME CARE BASICS FOR NEW HOMEOWNERS

You’ve finally done it—you’ve just moved into your brand new Here are some additional tips for properly maintaining specific home. The smell of fresh paint still permeates the air. You’re likely systems in your new home. consumed with unpacking, setting up furnishings, rearranging, Appliances decorating—energized by the blank pallet you have to work with. Remember to read the instruction manual for every appliance in But once you’ve signed the thick pile of closing documents, the your new home. The manuals provide recommended cleaning and moving trucks have left and everything is neatly in its place, what do maintenance schedules and sometimes your warranty will become you do next? It’s time to get a handle on the routine maintenance void if you don’t follow these recommendations. you’ll need to perform in order to ensure that you and your family Driveways live comfortably in your new home for years to come. Here’s some If you have an asphalt driveway, remove oil, gasoline and similar advice to get you started and help save money while you’re at it: substances immediately with soapy water. Maintaining a clean home will ensures it will last longer and works To avoid holes in your asphalt driveway, refrain from resting patio better. Dust and dirt, if allowed to accumulate, can harm the finishes furniture or bicycle stands on it. on blinds, cabinets, countertops, floors, sinks, tubs, toilets, walls, Do not burn anything on your driveway. tiles and other items. If dirt does accumulate, make sure to clean it with a substance that does not scratch or damage the finishes. Gutters and Downspouts Clear away leaves, tree limbs and other debris from gutters and On the outside of your home, make sure that gutters and downspouts. downspouts do not get clogged with leaves or other objects. The exterior of your house is built to withstand exposure to the Downspouts should be turned away from your home’s elements, but a periodic cleaning will improve the appearance and, foundation. in many instances, prolong the life of siding and other exterior Every four to six years, paint gutters that are not are made of products. aluminum or vinyl to help prevent rust. When you bought your home, you probably received a warranty Heating and Cooling Systems from the builder on workmanship and materials. This warranty Late summer or early fall are the ideal time to do an annual applies to problems related to the construction of the home, but it inspection and cleaning of these systems. does not apply to problems that arise because of failure to perform Make sure you change the filters every three months. routine maintenance. For example, if your roof begins to leak after Keeping your pilot light burning during the summer will help keep six months because of faulty workmanship, your warranty would the furnace dry and prevent corrosion. cover that. If you develop a problem because water backed up in Registers help regulate the flow of air and maintain the desired clogged gutters that you should have cleaned, the builder is not temperature in your home. Keeping registers closed in rooms you responsible for repairs. Also, some items, such as appliances, may don’t use will save on cooling/heating costs. be covered by manufacturers’ warranties and are not the Using heat generating appliances in the evening and reducing the responsibility of the builder. number of lights on will help keep the temperature down and save You should fully familiarize yourself with the terms of your on costs during the summer. warranty soon after you move into your home. With all the Plumbing excitement surrounding a move into a new home, most people have little desire to curl up in front of the fireplace and read a legal Every member of your family should know where the intake document. Nonetheless, you should not wait to read your warranty valves are located. Label each one. until a problem arises. Set aside an hour to learn what your rights If any of your appliances develops a leak, inspect your drain trap. and responsibilities are from the outset. A partially clogged drain can cause overflow. Use a plunger or a plumber’s snake to unclog the drain. If you need to, use boiling water to help unclog a partially opened drain. Call a plumber if these techniques don’t work. A worn washer, a loose part in a faucet or steam in a hot water pipe generally causes a noisy pipe. Do not hesitate to repair the noise because vibrations can follow the noise and lead to leaks.

Wilmington Information Guide [ 53 TAKE CONTROL OF YOUR ENERGY COSTS

The cost of cooling your house continues to rise. There are a • Close doors to rooms that are not being used. number of ways you can save a significant amount of money on • Run full loads in your washer and dryer, and use “solar drying” your energy bills. In fact, it’s possible to save up to 25 percent on (clotheslines). your power bill by using the following tips. While your results might • Use energy saver option on your dishwasher, allowing dishes to vary, you’re guaranteed to find at least a few ways to save money. air dry. The idea behind all our advice, and in fact our entire conservation • If you A/C unit is on the ground, keep the area around it clean and effort, is to give you the information you need to make the right free of obstructions to maintain air flow. decisions. • Unplug your televisions/VCR when you’re on vacation. Most new These simple steps don’t cost a thing, but can potentially save sets draw power even when they’re turned off. you 10-25% on your monthly energy bill. • Keep lights and lighting fixtures clean, especially if you’re • Turn off lights and appliances when not in use. Don’t forget your reducing the number of lights you use. Dirt absorbs light. Let computer - it can use as much energy as a refrigerator. Most new lights cool before cleaning them and never touch halogen bulbs computers have “sleep” settings. with your bare hands. The oil from your skin can greatly damage • In the cold months, set the thermostat to 68 degrees when the bulbs. Use a small piece of paper to hold the bulb. home, and then back to 58 degrees when sleeping or when you • If your dishwasher has a filter clean it. are not home more than four hours. • Clean the reflectors underneath the burners on stovetops. • In warm months, set the thermostat to 78-80 degrees when home and 5 to 10 degrees warmer at night or when you’re not There are plenty of low cost, easy to do projects or steps you can home. do to save another 10-25% on your energy bill. • Do not turn your air conditioning off in the hot months when • Use compact fluorescent bulbs instead of incandescent ones. you’re not home. Your house will store up the heat and you’re This will typically save $1 per bulb changed out (for bulbs running likely to make the air conditioning run for hours to feel 4-6 hours per day) and reduce heat in your home. Regular bulbs comfortable. use most of the electricity to generate heat so use care when • In the winter, open window coverings on the sunny side of your changing bulbs. home to take advantage of “free heat from the sun” Close the • Caulk windows and caulk and weather-strip doors. Keep the coverings on cloudy days or right after the sun sets. outside air out and the inside air in. • In the cooling season, close blinds and drapes during the day to • Install a hot water heater blanket but be careful not to cover vents keep heat out. or temperature settings. • Also, use your dishwasher, clothes washer and dryer, and cook • Install hot water pipe insulation. Do keep the insulation at least six as late in the evening as possible. inches away from the flue (exhaust pipe) of gas water heaters. • Barbecue outside if practical, keeping in mind the heat and effect • Plant trees and shrubs on the south and west side of your of sun on your body. By reducing the heat coming into your home residence. The vegetation acts as insulation and provides from any source, will reduce the load on your air conditioning. shading, reducing thermal gain in a building. • Use pool trippers to reduce the time your swimming pool pump • Fix leaky faucets Install low flow showerheads. runs on—eight to twelve hours a day is plenty in the summer • Use room fans to keep the air moving and reduce the feeling of months, less in the winter months. heat in your home. • Set your water heater to 120 degrees. • Replace furnace and air conditioner filters. Spray the filters with a • Vacuum your refrigerator coils (underneath and in the back) and light coating of lemon furniture polish or vegetable oil cooking don’t obstruct the coils. They need air space to work. spray to help trap dirt in the filter. • Keep the seals (gaskets) on refrigerators and freezers clean. • Check the seals on your refrigerator and freezer. • Keep your freezer as full as possible. You can place containers or • Replace normal thermostats with programmable thermostats. plastic bottles filled with water in the empty spaces. • Make sure food is cool and covered before it goes into the refrigerator.

54 ] Wilmington Information Guide SECURITY

Each year more than six million residential burglaries occur Computer Security throughout the United States. That’s one every ten seconds! In Computer security is the process of preventing unauthorized use addition to the worry of home burglaries, we now also need to of your computer. concern ourselves with computer hackers and personal identity • Use of anti-virus software on all Internet-connected computers. theft. Listed below are some things that you can do to reduce your Be sure to keep your anti-virus software up-to-date. chances of becoming a victim. • Use of some type of firewall product, such as a network Home Security Checklist appliance or a personal firewall software package. • Have home security system professionally installed that offers a • Turn off your computer or disconnect its Ethernet interface when 24 hour monitoring system. Make sure to post the home system you are not using it. An intruder cannot attack your computer if it stickers and window decals: this should alert and deter would be is powered off or otherwise completely disconnected from the intruders. network. • Never stop mail or newspaper deliveries, it signals that you are • Use software backup tools if available, and store the backup away. Have a neighbor pick up all deliveries if possible. disks somewhere away from the computer. • When recording your answering machine message, do not state Identity Theft that you are not home or out of town. Identity theft occurs when someone uses your personal • When leaving for an extended period, put lights and stereo or information without your permission to commit fraud or other television on a timer to give the appearance that someone is crimes. While you can’t entirely control whether you will become a home. victim, there are steps you can take to minimize your risk. Exterior/Interior Security • Shred financial documents and paperwork with personal • Replace all locks immediately upon moving into your new home information before you discard them. and install deadbolts on all outside doors. • Protect your Social Security number. Don’t carry your Social • Secure your sliding glass doors with pins to prevent all horizontal Security card in your wallet or write your Social Security number and vertical movement. Also install security film over the glass on a check. Give it out only if absolutely necessary or ask to use panes for additional protection. another identifier. • Remember to lock all doors and windows. • Don’t give out personal information on the phone, through the • Provide remote panic buttons for children and/or elderly mail, or over the Internet unless you know who you are dealing residents. with. • Never keep garage door openers in cars that are parked outside • Never click on links sent in unsolicited emails; instead, type in a of your home. web address you know. Keep Your Valuables Safe • Don’t use an obvious password like your birth date, your • Keep your important papers, heirloom jewelry and large amounts mother’s maiden name, or the last four digits of your Social of cash in a safe deposit box. Security number. • Engrave your valuables with your social security number or drivers license number. • Store jewelry, firearms, furs and like in a small closet with a non- hinged solid core door that has a deadbolt. • When purchasing new electronic equipment, breakdown cartons before discarding them. This way you avoid advertising your new purchase to the entire neighborhood and drive-by observers.

Wilmington Information Guide [ 55 HOMEBUYER’S GLOSSARY

As you start shopping for a new home, you may encounter some Contingency Condition that must be met before a contract is unfamiliar words and terms. The following glossary will help get you binding. through the maze of buying a home. Convertibility Ability to change a loan from an adjustable rate Adjustable-Rate Mortgage (ARM) Loan with an interest rate schedule to a fixed-rate schedule. adjusted according to movements in the financial market. Many Covenant Agreement between seller and buyer on a piece of offer lower-than-market initial interest rates that rise only gradually property, restricting the use of that property. (Also called deed for the first few years. restriction.) Annual Percentage Rate (APR) Annual cost of credit over the life of Deed Legal document representing property ownership. a loan including interest, service charges, points, loan fees, Default When a borrower fails to make the required payments of mortgage insurance and other items. a mortgage contract. Appraisal Unbiased, professional opinion of a property’s value Density The number of homes built on a particular acre of land. based on its style and appearance, construction quality, usefulness Allowable densities are determined by local jurisdictions. and the value of comparable properties. Debt-To-Income Ratio Long-Term debt expenses as a percentage Assessment Tax levied on a property or a value placed on the of monthly income; used by lenders to qualify borrowers for worth of a property by a taxing authority. mortgage loans. Assumption Transaction allowing a buyer to assume responsibility Due-on-Sale Clause in a mortgage contract requiring the borrower for an existing loan instead of getting a new loan. to pay the entire outstanding balance upon sale or transfer of the Broker (Real Estate) Person who receives a commission or fee for property. bringing buyer and seller together and assisting in the negotiation of Earnest Money Sum paid to the seller to show that a potential contracts between them. A license is required in most states. purchaser is serious about buying. Building Code Local regulations controlling design, construction Easement Right-of-Way granted to a person or company and materials used in construction. Building Codes are based on authorizing access to the owner’s land. For example, a utility safety and health standards. company may be granted easement to install pipes or wires. An Buydown Subsidy, usually paid by a builder or developer, to reduce owner may voluntarily grant an easement or can be ordered to grant the monthly payments on a mortgage loan. one by a local jurisdiction. Buyer’s Agent A real estate agent who represents only the buyer Equity Difference between the value of a home and what is owed in a real estate transaction. on it. Callback Request by a homeowner for a builder to handle a service Escrow Handling of funds or documents by a third party on behalf request. of the buyer and/or seller. Cap Limit to the amount an interest rate or monthly payment can Escrow Amount Amount set up by a lender into which periodic, increase for an adjustable-rate loan either during an adjustment usually monthly, payments for taxes, hazard insurance, period or over the life of the loan. assessments and mortgage insurance premiums are made. Funds Certificate of Occupancy Document from an official agency stating are held in trust by the lender who pays the sums as they become the property meets the requirements of local codes, ordinances and due. regulations. Fair Market Value Price at which property is transferred between Chain of Title History of all documents transferring title to a parcel willing buyer and willing seller, each of whom has reasonable of real property, starting with the earliest existing document and knowledge of all pertinent facts and neither being under compulsion ending with the most recent. to buy or sell. Change Order Homebuyer’s written authorization to add, delete or Federal Housing Administration (FHA) Federal agency that insures change an item specified in a contract. mortgages with lower down payment requirements than Closing Meeting to sign documents that transfer from a seller to a conventional loans. buyer. (Also referred to as settlement.) Fixed-Rate Mortgage Mortgage with an interest rate that remains Closing Costs Charges paid at settlement for obtaining a mortgage constant over the life of the loan. loan and transferring a real estate title. Hazard Insurance Protection against damage caused by fire, wind Commission Agent’s fee for negotiating a real estate or loan storms or other common hazards. Many lenders require borrowers transaction, often expressed as the percentage of the sales price or to carry it in an amount at least to the mortgage. mortgage amount. HVAC Common building industry abbreviation for heating, Conditions, Covenants and Restrictions (CC and Rs) Standards that ventilation and air conditioning systems. define how a property may be used and the protections the Index Interest rate or adjustment standard that determines the developer makes for the benefit of all owners in a subdivision. changes in monthly payments for an adjustable-rate loan.

56 ] Wilmington Information Guide HOMEBUYER’S GLOSSARY

Infrastructure Public facilities and services needed to support Point One-Time charge assessed by the lender at closing to residential development, including highways, bridges, schools and increase the interest yield on a mortgage loan. sewer and water systems. Presettlement Walk-Through Final inspection of house prior to Inspection Examination of work completed on a structure to closing, conducted by builder and buyer. determine compliance with building code and other code Principal Amount borrowed, excluding interest and other charges. requirements. Property Survey Survey to determine the boundaries of a piece of Joint Tenancy Form of ownership in which the tenants own a property. Cost depends on the complexity of the survey. property equally. If one dies, the other automatically inherits the Recording Fee Charge for recording the transfer of a property, paid entire property. to a city, county or other appropriate branch of government. Loan Origination Fee Lender will charge a fee for the cost of Specifications Contractual document describing in detail the work processing the loan, usually calculated as a percentage of the loan to be performed; method of construction; standards of amount. workmanship; quality, type and manufacturer of materials and Loan-To-Value-Ratio Relationship between the amount of a home equipment for a particular project. loan and the total value of a property. Tenancy in Common Form of ownership in which the tenants own Lock-In Rate Commitment from a lender to make a loan at a pre- separate but equal parts. To inherit the property, a surviving tenant set interest rate at some future date, usually for not more than 90 would either have to be mentioned in the will or, in the absence of days. A fee may be charged to “lock-in” a rate. a will, be eligible through state inheritance laws. Mortgage Commitment Formal written communication by a lender Title Evidence, usually in the form of a certificate or deed, of a agreeing to make a mortgage loan on a specific property, specifying person’s legal right to ownership of a property. the loan amount, length of time and conditions. Title Insurance Insurance against any title defects that may exist Mortgage Origination Fee Charge for the work involved in preparing prior to the time the title is passed from one owner to the next, and and servicing a mortgage application. which may come to light in a future transaction. Permit Document issued by a local government agency allowing Veterans Administration (VA) Federal agency that insures mortgage construction work to be performed in conformance with local loans with very liberal down payment requirements for honorably codes. Work may not commence until permits have been obtained, discharged veterans and their surviving spouses. and each permit issuing agency must inspect the work at certain specified points during construction. PITI Principal, interest, taxes and insurance: the four major components of monthly housing payments.

Wilmington Information Guide [ 57 WHO’S WHO IN BUILDING

Architect Lender Building design professional who has completed all required The financial institution that provides construction loan financing university training in architecture and passed state licensing exams; during construction and permanent financing for the home buyer initials A.I.A. and F.A.I.A. indicate membership in a professional after the home is built and there is a property settlement, referred to organization, but not licensed status. in our area as closing. Most lenders make what is referred to as Builder or General Contractor “end loans” which is the loan made to the buyer of a new home, and The buck stops with him or her in construction projects. The others make both the “end loan” and “construction loan financing” general contractor secures bids for all work and materials; hires, which provides funds to pay for costs incurred during construction. coordinates and oversees subcontractors; files for permits and Owner Builder arranges for inspections; and generally makes the final decisions in An individual or family who finances and manages a home all construction-related matters. building project (usually with the assistance of a builder or general Building Inspector contractor who is hired to manage all or a particular phase of the One or more local officials who oversee and regulate every phase construction of the home) with the intention of retaining ownership of residential construction. Regulations vary widely. In most states and residing in the home after completion. area home construction meets standards contained in the Uniform Subcontractor Building Code. In addition, applicable provisions of the Uniform Fire A specialist who undertakes responsibility for one phase or trade & Plumbing/Mechanical & Electrical codes are enforced. Typically, within the project and reports to the general contractor. In a typical permits are issued and inspections are made at key stages of home building project, subcontractors generally include: an construction by County and City building code enforcement excavation contractor who digs foundations and grades the site; a departments. masonry contractor who handles all concrete, block, brickwork and Building Designer paving; a framing contractor who constructs the shell and interior Generally unlicensed professionals (license not required for partitions; a roofing contractor; a heating, ventilation and air- practice) who, by experience, are competent to design homes, conditioning (HVAC) contractor; a plumbing contractor; an electrical prepare drawings and write specifications; they often work in contractor; drywall installers; insulation contractors; finish association with licensed architects. carpenters who generally handle wood flooring, trim work, and cabinet installation; and a painting contractor. Construction Manager/Foreman The general contractor’s right-hand man. A construction Surveyor manager can be on site when the general contractor is not. A professional with the training and equipment to establish or verify property lines. The surveyor also plots and marks the Design/Build Firms topography of the site, which is crucial in preparing the site plan. He An organization that provides both architectural planning and or she may also be employed to stake out the building site, setting general contracting services, and offers a different approach to the reference marks for foundation excavation, establishing grades for conventional arrangement in which the designer and builder are roads or driveways and marking the locations for a septic system separate entities. and water well, if necessary. Interior Designer Title Insurance Company Specialist in decoration and furnishing; special training and The entity that conducts a comprehensive search of the public licensing not required. Initials A.S.I.D. following individual’s name records to make sure that the title received by a buyer of a new indicate membership in a professional association, for which home is “free and clear of any liens and encumbrances”. This training and passing tests are required. assures the issuance of a clear or “merchant able” title in favor of Kitchen /Bath Designer the buyer of a new home at the closing of the sale of the property. Specialist in designing these rooms; initials C.K.D. and C.B.D. indicate certification by a professional association, for which training and passing tests are required. License is not required for practice. Landscape Architect Specialist in landscape and garden planning; primary concerns include site selection, grading, access, drainage and protection of existing plant material. License required for practice.

58 ] Wilmington Information Guide SELECTING A BUILDER

Are you shopping for a new home? Start by shopping for a Service After the Sale and Home Warranty professional builder first. Whether you are buying a townhouse, a While you are shopping, ask about the builder’s service after the detached home in a subdivision, or a custom-built house, the sale. Most builders offer some form of warranty. Many builders back construction quality of your new home will be determined by the their own warranties on workmanship and materials, typically for quality of your builder. one year. Other builders offer warranties backed by an insurance Start your builder-search process by calling your local home program. One of the most important criteria for selecting a builder builders association. They can give you the names of reputable is the warranty protection provided on the home. Ask for a copy of builders in your area. Ask friends and relatives about builders they the builder’s warranty. Read the document thoroughly and be sure have dealt with directly, or ask them for the names of acquaintances you understand what protection is provided. If you have any who have recently built a new home. questions about the coverage, talk to the builder prior to finalizing your purchase. The Interview Process Once you have developed a list of builders who are building the Quality and Value type and price range of home you are interested in, research their When examining a home, look at the quality of the construction reputations and the quality of their work. The best way is to visit features: the cabinetry, carpeting, trim work, and paint. homes that they have built and talk to the owners. Ask the builders In viewing a home, you must determine whether it lends itself to on your list for the addresses of their recently completed houses, the type of lifestyle you want to lead. Look at the amount of interior subdivisions, or townhouse communities. At the very least, drive by living space and how efficiently the space is used. Find out if the and see if the homes are visually appealing. builder is incorporating state-of-the-art energy efficiency features, Look at homes that are the same style as you plan to buy. A good both in appliances and insulation. time to visit is on a weekend morning when people are outside doing chores. Introduce yourself and explain that you are considering buying a home from the same builder who built their home. Ask about their satisfaction with the home and whether the builder delivered what was promised in a timely manner. Ask if they would buy another home from this builder. People will generally tell you if they are happy with their purchase. Be Thorough When selecting a builder, be thorough and ask a lot of questions. Get as many specifics as possible. If you receive the answers verbally, take notes. Never hesitate to ask a question because you are afraid of sounding “stupid” or uninformed. What seems like a “stupid” question may yield a very important answer. Buying a new home is probably the biggest and most important purchase you will make in your lifetime. By doing your new “home” work to select a builder, you will instill in yourself and your family a sense of confidence and knowledge that you have made the right choice. If you have additional questions about selecting a builder, contact your area’s Builders Association. Ask for a builder list that identifies the price categories and subdivisions in which they build. Be sure to tour the Parade of Homes in the Fall and Spring. It is an excellent way to get familiar with the housing market in this area as well as individual builder’s products.

Wilmington Information Guide [ 59 SELECTING A CONTRACTOR

Every year hundreds of families are taken advantage of by 8. Make sure all required permits are secured and inspections are disreputable individuals or companies who represent themselves to made.The contractor should be expected to secure all necessary be reliable, reputable contractors. If you are planning to hire permits. Beware of contractors who want you to secure the someone to repair or make improvements to your property there are permit as the property owner. It is permissible to do so, but it is safeguards you can take to assure the best selection of a contractor very unusual that a reputable contractor will ask you to do this. for you. 9. Make sure you have a written contract with the contractor that Consider the Following details: 1. Hire only licensed contractors. Contractors are required to be a. A full description of all work to be done. licensed to do certain types of work. When selecting a contractor b. A firm date of completion you should make sure the contractor holds a current, valid c. Total cost of the job. license either issued by your city. d. Contractors license number. 2. All contractors do not possess the same expertise.Ask for e. All warranty information. references and check those references to assure yourself that f. Quality of materials to be used. the contractor is qualified to do the type of work you are wanting g. How and on what basis payments are to be made. done. h. How changes and payment for changes will be handled. 3. Check business references. Ask the contractor for a list of 10. Make sure complete architectural drawings are done and business references that you can call and verify that the agreed upon if you are having a room addition added, or relationships with suppliers and subcontractors are good ones extensive remodeling done. Be certain that detailed material and that the contractor pays his bills. specifications are also provided and made a part of the contract 4. Call the Better Business Bureau to find out if there are any you sign. complaints or charges pending against the contractor. 11. Monitor the work being done in accordance with the 5. Call local trade associations for information about selecting a contractual agreement with the contractor. If you have contractor. questions about what is being done or problems with the 6. Ask for proof from the contractor that he has general liability contractor, either ask questions or confront the problem head insurance and workers compensation insurance in order to on when it occurs in order to minimize any conflict and reach a protect you, as the property owner, against any claim in the event satisfactory resolve as quickly as possible. the contractor, his employees, or someone else is injured as a 12. Final payment should not be made until you are satisfied that result of work being done on your property. the job has been completed in accordance with the terms of the 7. Make sure the contractor you are contracting with will be contractual agreement between you and the contractor. personally involved in coordinating the work to be done on your property. “A house is made of walls and beams; A home is built with love and dreams.” - Author unknown

60 ] Wilmington Information Guide BANKING & MORTGAGE INFORMATION

Is Your Bank Meeting Your Current Financial Needs? What Will You Do? This page offers a guide to choosing the right bank for your The fist question to ask yourself is what you want to do with your needs, and offers some ideas for starting your checklist. bank account. Do you want to put money in there periodically and With banks offering an increasing number of financial services at watch it grow? Will you move money in and out quickly? You need widely varying fees, choosing one to handle your particular financial to know what your banking behavior will be like in order to find the needs can seem like a difficult and confusing task. Although there right bank. is much to consider, it is best to select a bank the same way you Next, get an idea of how you prefer to do your banking. If your would choose any product or service—first evaluate your needs schedule doesn’t work with most bank schedules, the best bank and then compare costs. You should also consider what is most might just be the one that’s open at convenient times. important to you in a banking relationship. Do you want to develop Free checking accounts get a lot of hype. They get people in the a personal, long-term customer relationship with a bank? Do you door. However, free may not always be the best thing for you. If you travel frequently and need access to branch offices while you are value certain services or conveniences, you may be willing to pay for out of town? If you prefer to do your banking by telephone or online, them. Once you get ahold of fee schedules from competing banks, you'll want to explore the types of electronic services each bank has consider if it’s really going to bother you to pay a few bucks each to offer. Once you have identified your needs, evaluating and month for that “gotta have it” feature or service. Maybe it is, maybe comparing the services and fees is a much simpler task. it isn’t. But you have to do your research, because not all banks offer At first glance, fees might make you favor debit cards in the debit free checking, and if they do, they won’t always tell you about that vs credit competition. The worst fee you'll find in a typical debit card option unless you ask. is a POS fee — charged when you use your debit card at a retailer So go online or make a few phone calls. Find out if the bank has using PIN number. While the tide is shifting away from banks a lot of ATM locations. It doesn’t do you any good to have free charging these fees, they're still around. More importantly, there are checking if you have to spend $2 a pop to use another bank’s ATM more factors than fees to the debit vs credit debate. because you bank only has one branch and it is all the way across Hidden fees are becoming increasingly popular in the banking town. industry. If you're not careful, you might end up wasting significant You may be eligible because of where you live or what type of job amounts of money each year on things that can be easily avoided. you have to join a credit union. Many people like credit unions One place that's full of hidden fees is the ATM. While it is an easy because they offer a lot of free services (like maybe free Money way of obtaining your money quickly and efficiently, ATMs are Orders). But keep in mind that credit unions are often few and far notorious for their service charges. You can end up being charged between, so you may end up with the ATM surcharge problem. every time you use the ATM, if you're not careful. Some banks will charge extra fees if you do not meet certain requirements or do your banking with them. Banks can even charge you to check your balance at the ATM. It depends on the bank. You need to understand the terms of your bank and find the best plan for you. You can check balances, transfer funds and pay bills, all from the comfort and convenience of your home or office computer. Internet banking may also have a price. Depending on the bank, you may have to pay a service charge for this service. It also may not be available at all banks.

Wilmington Information Guide [ 61 BANKING & MORTGAGE INFORMATION

You may have a difficult time deciding which type of home feature was designed to provide housing and assistance for mortgage is the best for your needs. The world of home finance veterans and their families, and the dream of home ownership offers so many variables and options that it’s often hard to keep became a reality for millions of veterans. VA will guarantee a them straight. The following may help you better understand the maximum of 25 percent of a home loan amount up to $104,250, differences and find a home loan that’s right for you. which limits the maximum loan amount to $417,000. Generally, the Fixed-Rate Mortgages are very popular because the interest rate reasonable value of the property or the purchase price, whichever and monthly payments are constant. Fixed loans are generally is less, plus the funding fee may be borrowed. All veterans must amortized over ten, fifteen, twenty or thirty years. Property taxes qualify, for they are not automatically eligible for the program. and homeowners insurance may increase, but generally your Interest-Only Mortgage is really an interest-only option that works monthly payments will be very stable. During the early amortization with various mortgage types. This option has regular payments, period, a large percentage of the monthly payment is used for typically monthly, for a fixed period of time; however, payments paying the interest. As the loan is paid down, more of the monthly consist of one hundred percent interest. No principal is paid during payment is applied to principal. A typical 30 year fixed rate the interest-only period. When that period ends, the borrower is mortgage takes 22.5 years of level payments to pay half of the obligated to make payments of principal and interest. Because the original loan amount. You may also opt for “biweekly” mortgages, time remaining in the loan term to repay the principal is shorter than which shorten the loan by making a payment every two weeks. it would have been, payments will adjust upward, sometimes (Since there are 52 weeks in a year, you make 26 payments, or 13 substantially. The appeal of interest-only payments is savings. When “months” worth, every year.) principal is not being paid, monthly payments are dramatically Adjustable Rate Mortgage (ARM) is a loan which allows for the lower. On the risk side is potential for loss. If the need to sell arises adjustment of its interest rate according to the terms of the note and and the property value has stayed flat or declined, a borrower might as market interest rates change. With this type of mortgage loan be in a position where the mortgage loan balance is higher than the program the interest rate and payments may be adjusted as market value of the property. frequently as every month. The purpose of the program is to allow Balloon Mortgage Loan generally has a short term, commonly mortgage interest rates to fluctuate with market conditions. The anywhere from 3-7 years. During that term, borrowers make regular initial interest rate for an ARM is usually lower than that of a fixed equal payments of principal – the amount of money borrowed – plus rate mortgage, where the interest rate remains the same during the interest. At the end of the loan term, a “balloon” payment is due for life of the loan. A lower rate means lower payments, which might the entire loan balance. Options for handling the balloon payment help you qualify for a larger loan. Also if you do not plan to keep your include paying off the balance when due or refinancing before the home for more than a few years, the possibility of rate increases payment comes due. Balloon mortgages are usually offered at isn’t as much of a factor. But no one has a crystal ball to predict the lower interest rates than other fixed-rate loans. In addition, fluctuation of interest rates, so it is somewhat of a gamble. payments are calculated using a period longer than the term of the FHA Mortgage Loan is insured by the Federal Housing loan. As a result, balloon loans offer affordability for short-term Administration. FHA is part of the U.S. Department of Housing and circumstances. Borrowers do need to plan ahead so they are not Urban Development (HUD), one of its chief purposes is to help caught unprepared when the balloon payment is due. people obtain financing to buy their homes. The FHA doesn’t make Choosing a type of mortgage is not the only decision you must the loans, but insures loans made by banks, savings and loans, face. Several other criteria are listed below. mortgage companies, credit unions and other approved institutions. Hybrid Mortgage combines features of both fixed-rate and FHA does not originate loans. FHA insures the mortgage and pays adjustable-rate mortgages. A hybrid mortgage loan may start with the lender if the homebuyer defaults on the loan, or fails to repay the a rate that is fixed for a period of time. When that fixed-rate period loan. Almost anyone who has a satisfactory credit record, enough expires, the loan then converts to an ARM. The initial rate for a cash to close the loan, and sufficient steady income to make hybrid mortgage loan is typically lower than prevailing fixed rates. monthly mortgage payments can be approved for an FHA-insured The lower rate enables more buying power up front. On the risk side mortgage. There is no upper age limit and no certain income level is the uncertainty of how high interest rates will be when the fixed- required, although individual mortgage amounts are limited by law. rate period expires. VA Mortgage Loan is similar to the FHA mortgage. The U.S. Lending Institution are used When you’re looking for a home loan, Department of Veterans Affairs guarantees loans made by you might work with an officer at a bank or other lending institution, institutional lenders to eligible veterans. The guarantee helps protect or you might choose to work with a mortgage broker. The loan the lender in the event of the borrower’s default. The VA Loan was officers at a bank, credit union or other lending institution are initiated in 1944 through the Servicemen’s Readjustment Act, more employees who work to sell and process mortgages originated by commonly known as the GI Bill of Rights. The GI Bill was signed into their employer. They often have a wide variety of loans types to law by President Franklin D. Roosevelt and provided veterans with draw from, but all originate from that specific lender. a federally guaranteed home loan with no down payment. This

62 ] Wilmington Information Guide BANKING & MORTGAGE INFORMATION

Mortgage Brokers are professionals who are paid a fee to bring Appreciation is the increase in the property’s value, either by together lenders and borrowers. The mortgage broker working to improvement in the market or improvements made by the owner. secure your loan is earning a fee for that transaction—and the Balloon Mortgage is a loan that acts like a fixed rate but is due in better deal they achieve for a lender, the more they are paid. Don’t three, five or ten years. At that point you must pay the outstanding be too anxious to disclose the interest rate you would be willing to balance in one lump sum. accept, let them tell you what terms they can secure. Shop around Buydown is the process of buying a lower interest rate by paying to make sure the terms are reasonable. more points at closing. There should be little difference between obtaining a loan from a Conventional Mortgage is a loan that is under $ 240,000 and meets broker or a local lending institution. Maybe none, but you should be Fannie Mae and Freddie Mac standards, the largest purchasers of aware of the differences between the two positions. A mortgage home mortgages on the secondary market. broker may find you a lender in another part of the country. The loan Convertible Mortgage is an ARM with the option to convert to a office will likely be able to offer more personal service while your loan fixed rate mortgage as specified in the contract. is being processed and once you are an established customer. FHA Loans are issued by FHA approved lenders. The FHA insures Discount Points are fees paid to a lender at closing in order to its loans so that borrowers can get them with only 3 to 5% down lower your mortgage interest rate. While buying points is sometimes payment. The FHA has certain criteria to qualify for these loans. a good decision, many times the purchase costs you more than it Fixed-rate Mortgages are self amortizing loans with a constant rate saves. The cost of each point is equal to one percent of the loan of interest. These loans are commonly for 10, 15. 20 or 30 year amount. For instance, for a $100,000 loan one discount point periods. equals $1,000. Each discount point paid on a 30-year loan typically lowers the interest rate by 0.125 percent. That means a 5.5 percent Interest Rate is what the lender charges for the use of their money. rate would be lowered to 5.375 percent if you purchase one point. Expressed as an annual percentage of the amount borrowed before Paying for points lowers your interest rate, because the lender financing expenses. receives the income in a lump sum at closing rather than collecting Initial Interest Rate is what lenders charge on an ARM until the first the interest as you make payments on your loan. Whether or not adjustment is made. This rate is usually much lower than fixed rate paying points makes sense for you depends in part on how long mortgages. you plan to keep the loan. Jumbo Mortgages are loans greater than $ 227,150 with an Helpful Mortgage Terms interest rate that is a quarter percentage higher than conventional loans. Adjustable Rate Mortgage is a loan with a rate that adjusts to market conditions. The rate of adjustment will be stated in the Lifetime Cap is the same as an annual cap except there is limit on contract. how high the interest rate can increase over the entire life of the mortgage. Adjustment Index is a guide lenders use to change ARM interest rates during the life of a mortgage. The specific index to which your Loan Commitment is a promise by the lender to provide the agreed ARM is tied to will be listed in the mortgage contract. amount of money stated on the mortgage to close on a home. The commitment also states the interest rate, term of loan, and usually Annual Cap is a limit on how high the interest rate on an ARM can expires within 60 days. rise in a single year. Annual caps are specified in the better ARM programs. Loan Servicing is the institution that handles the administrative processing of your loan such as billing and collecting payments. Annual Percentage Rate Equals the true cost of a loan including financing charges and fees. Loan-to-Value Ratio is the proportional relationship of the mortgage loan to the value of a home, expressed as a percentage. Amortization is the process that reduces the amount owned in a loan. It can be made in a lump sum or periodic installments. Appraisal Value is estimating the property’s worth which is based on comparable properties. Appraisals that are completed by certified professionals, and are used by lenders to verify the home’s value and justify the mortgage commitment.

Wilmington Information Guide [ 63 BANKING & MORTGAGE INFORMATION

Mortgage Calculator You can obtain your property taxes from the local township office How much do you qualify for based on typical lender and you can contact your insurance agent for homeowner rates. requirements? Generally, the lender will require that your monthly Now, while shopping for your mortgage, you probably have payments not exceed 28% of your gross monthly income. Lets take discovered the current interest rate. Use the chart below; find the a look at how a lender would typically determine your ability to meet column, which applies to that rate. Follow the number down until monthly house payments. you find the number that is closest to your principal and interest First, determine your gross monthly income from all sources. payment. To the left of that you will find the loan amount for which Then multiply that amount by 28% to determine an approximate you probably qualify. If you intend to apply for a 90% loan, divide the allowable monthly payment. This payment includes principal, loan amount by .90 to calculate the price of the house that would interest, taxes and insurance. From this amount subtract taxes and require this monthly payment. insurance to arrive at your allowable principal and interest payment.

The example below illustrates this procedure: Gross Monthly Income $2,500 X 28% = $700 Less: Monthly Taxes & Insurance ($100) = $600 6% Interest Rate for 30 years for $600 = $30,000 $30,000/.90 (Loan to Value) = $33,333 = Estimated Maximum Home Price For Qualification

$ 3% 3.5% 4% 4.5% 5% 5.5% 6% 6.5% 7%

100,000 300 350 400 450 500 550 600 650 700

150,000 450 525 600 675 750 825 900 975 1050

200,000 600 700 800 900 1000 1100 1200 1300 1400

250,000 750 875 1000 1125 1250 1375 1500 1625 1750

300,000 900 1050 1200 1350 1500 1650 1800 1950 2100

350,000 1050 1225 1400 1575 1750 1925 2100 2275 2450

400,000 1200 1400 1600 1800 2000 2200 2400 2600 2800

450,000 1350 1575 1800 2025 2250 2475 2700 2925 3150

500,000 1500 1750 2000 2250 2500 2750 3000 3250 3500

550,000 1650 1925 2200 2475 2750 3025 3300 3575 3850

600,000 1800 2100 2400 2700 3000 3300 3600 3900 4200

650,000 1950 2275 2600 2925 3250 3575 3900 4225 4550

700,000 2100 2450 2800 3150 3500 3850 4200 4550 4900

750,000 2250 2625 3000 3375 3750 4125 4500 4875 5250

800,000 2400 2800 3200 3600 4000 4400 4800 5200 5600

850,000 2550 2975 3400 3825 4250 4675 5100 5525 5950

900,000 2700 3150 3600 4050 4500 4950 5400 5850 6300

950,000 2850 3325 3800 4275 4750 5225 5700 6175 6650

1,000,000 3000 3500 4000 4500 5000 5500 6000 6500 7000

64 ] Wilmington Information Guide AIRLINES NATIONWIDE TRAVEL

Airlines Hertz Car Rental to those ideals since 1982. We don’t just Reservations call (800) 654-3131 answer questions and keep promises, we American Airlines Still the biggest, still the best We care also listen to our homebuyers. And we Reservations call (800) 433-7300 about you. Customer service is the most depend on them to be the inspiration Flights at your fingertips. For passenger important thing we do. Biggest selection of behind some of our most successful reservations and information call us or your low-mileage cars. innovations in home design. You can travel agent. depend on that degree of commitment Continental Airlines Education 6-12 from every level of our organization. Reservations call (800) 523-3273 Florida Air Academy Moving Supplies Want to be treated with respect, fly the 1950 South Academy Drive safe and courteous skies with Continental Melbourne, FL 32901 Dial-A-Box Airlines. (321) 723-3211 White Plains and The Bronx, NY United Airlines web: flair.com TOLL FREE: (866) 4-DIAL-A-BOX / Reservations call (800) 241-6522 At Florida Air Academy, Cadets at have (866) 434-2522 Serving more of the nations top 100 the opportunity to get a first-rate education web: dial-a-box.com business centers than any other airline. geared to the learning styles of young men Nationwide Travel Small package dispatch, same-day airport and make friends from around the world. to airport. The school accepts young men in grades Bellagio The Resort 6 through 12. The Academy boasts a 16- 3600 Las Vegas Blvd South Apartments student average class size and college Las Vegas, NV 89109 prep curriculum taught by accredited staff, Whitney Apartments (702) 693-7223 many with advanced degrees. Cadets at 7120 Society Drive Experience a world unto itself at “the Florida Air Academy receive leadership Claymont, DE 19703 most romantic hotel in the world.” training and an emphasis on community (888) 829-7461 • AAA Five Diamond Award winning resort. service. Other programs include an www.galmangroup.com • Nine world-renowned restaurants excellent sports program, extensive Located in historic Brandywine Valley - including Aqua, Prime, and AAA Five computer curriculum and optional flight surrounded by world class shopping, Diamond Award-winner Picasso. training and SCUBA certification. casinos and museums such as the famous • “O” by Cirque du Soleil, an extraordinary Florida Air Academy is located on Longwood Gardens. Whitney Apartments fusion of water, dance and aerobics. is truly classic living. Choose from studio, Florida’s Space Coast and is fully accredited. Contact our Admissions • Via Bellagio- a collection of the worlds one, two and three bedroom apartment most sophisticated boutiques from homes. Discover amenities such as department for more information on Fall, Spring, and Summer enrollments. Giorgio Armani, Chanel, Tiffany, and spacious walk-in closets, wall-to-wall Hermes. carpeting, 24-hour fitness center, tennis For additional Information contact: • The Conservatory and Botanical Gardens courts, swimming pools and so much Donna Stratford Director of Communication charms guests with its natural beauty. more. (321) 723-3211, Extension 30028 • Dancing Fountains cavort on an eight Car/Truck Rental Home Builders/Developers acre lake. Avis Rent a Car Blenheim Company Fairmont Hotels Reservations call (800) 331-1212 220 Continental Drive, Suite 410 Toll Free (800) 527-4727 Offers low-mileage quality maintained Newark, DE 19713-4367 web: Fairmont.com GM and other cars. Computerized for fast I (302) 254-0100 Boston, Las Vegas, Dallas, New service and low rates for day, week, or web: blenheimhomes.com Orleans, New York, San Francisco & San long term mini lease. Blenheim Homes is not inclined to rest Jose America’s Grand Hotels since 1907. on its laurels when it comes to trend- Hilton Hotels Budget Rent a Car setting ideas and forward-thinking design. Worldwide Reservations Worldwide Reservations (800) 527-0700 With dozens of Regal Awards from the Toll Free (800) 845-8667 Right now, Budget has some great rates Home Builders Association of Delaware to web: Hilton.com on some equally great cars and trucks. So our credit, we continue to look for new Hilton Hotels, Resorts, Suites, Hilton don’t let them pass you by. For your local ways to redefine excellence in home Garden Inn, Conrad International Hotel. or one-way rental choose from Budget’s building. World Class Fleet at the airport, or in your Finding the right builder is as important MGM Grand neighborhood. as finding the perfect home. And when you 3799 Las Vegas Blvd. South Budget Rent a Truck begin the new home construction journey, Las Vegas, NV 89109 Worldwide Reservations (800) 527-0700 you want to feel you’re walking with an ally. (702) 891-1111 Right now, Budget has some great rates The right builder is a partner, someone Searching for non-stop action and on some equally great cars and trucks. So who cares enough to be responsive to pulse-pounding excitement? “The City of don’t let them pass you by. your needs and questions. Someone who Entertainment” awaits your arrival. communicates honestly and has the • La Femme-the sensual French sensation integrity to honor commitments. At direct from the original Crazy Horse in Blenheim Homes, we have been living up Paris.

Wilmington Information Guide [ 65 NATIONWIDE TRAVEL NEW HOME DEVELOPMENTS

• Tabu - The ultra hip lounge designed to Pan Pacific Resort Hotels delivery homes available from mid-$400s stimulate and arouse your senses. Worldwide Reservations to low-$600s. • Live the nightclub lifestyle at studio 54sm. Toll Free (800) 327-8585 Emerald Pointe • Sixteen masterpiece restaurants including Pan Pacific Hotels & Resorts. North McKee Road celebrated chef Tom Colicchio’s America, Japan, Southeast Asia. Dover, DE Craftsteak and Michelle Mina’s NOBHILL. Treasure Island (302) 741-2040 • The king of the jungle overlooks the Lion 3300 Las Vegas Blvd. South web: blenheimhomes.com Habitat. Las Vegas, NV 89109 Conveniently located on the north side • The Grand Garden Arena and Hollywood (702) 792-5627 of Dover, Delaware’s capital city, Emerald Theatre feature top name entertainment. Enjoy the adventure and romance of this Pointe is just minutes from Rt. 13 and the engaging resort filled with new-world primary commuter artery, Del. 1oan hour’s Mirage Hotel & Casino amenities. drive from either Wilmington to the north or 3400 Las Vegas Blvd South • AAA Four Diamond Award® winning Delaware’s celebrated ocean resorts to the Las Vegas, NV 89109 resort. south. Tree-lined streets and sidewalks (702) 791-7111 • World-famous pyrotechnic sea battle complement award-winning single-family Immerse yourself in this tropical South homes with traditional architecture and Sea oasis filled with luxury and excitement! between the pirate ship, Hispaniola, and the British frigate, H.M.S. Britania in the dramatic, innovative interiors. Four featured • Experience the elegance and middle of the Buccaneer Bay. models (3 to 4 bedrooms, 2.5 baths, 2-car sophistication of our newly redesigned garage) give new meaning to functional • Mystere by Cirque du Soleil, a guest rooms. design; living space ranges from 1,700 to mesmerizing mix of powerful acrobatics, • Dive into interconnected lagoon and 2,500 sq. ft., with options to expand. circus skills and dance. thundering waterfalls at the new Mirage Standard features include volume or 9-foot pool. • Eight exciting dining options including first-floor ceilings, gas fireplace, and Kahunaville and Buccaneer Bay • Ten international restaurants including complete appliance package. High- Restaurant-fine dining overlooking the AAA Five-Diamond award winner Renoir. efficiency HVAC; Energy Star certified. explosive battle in Buccaneer Bay. • Exotic White Tigers, Lions and a family of Community amenities include active • A beautifully appointed wedding chapel. Atlantic Bottlenose Dolphins in Seigfried recreation area with play equipment, picnic and Roy’s Secret Garden and Dolphin • A tropical pool area and lavish spa and area and gazebo. A friendly neighborhood Habitat. salon. convenient to shopping and to Dover Air Force Base. • A fire-erupting volcano sparkling lagoons New Home Developments and tumbling waterfalls. Prices: $239,900–$327,900. Immediate- Augustine Creek and quick-delivery homes available (priced • Dive into interconnected lagoon and Pole Bridge Road from the low $300s) with $20,000–$30,000 thundering waterfalls at the new Mirage Middletown, DE incentives. pool. (302) 449-2522 Northbrook New York-New York web: blenheimhomes.com Woods Edge Drive 3790 Las Vegas Blvd. South Distinguished by award-winning design, Boothwyn, PA Las Vegas, NV 89109 community offers minimum half-acre home (610) 361-2770 (702) 740-6969 sites—most on cul-de-sac roads. Private web: blenheimhomes.com The best of New York City meets the rural setting in Middletown, DE, within Located in Garnet Valley, PA, on 75- best of Las Vegas in one exciting location. minutes of Del. 1, the state’s major acre, rolling site along a scenic country Be a part of it. commuter artery, and an easy 40-minute byway, the 184-home community • ESPN ZONE sports-themed dining and drive from Wilmington; one hour drive to resembles two villages separated by 30 entertainment. southern Delaware beach resorts. The acres of private open space threaded with • Live performances nightly from the 257-acre site is rolling terrain backing to walking trails. Directly across from the 170- Award-winning comedy of Rita Rudner. woods; more than 50 percent preserved as acre Clayton Park (with golf course, playing open space. Interior drama, architectural • The thrilling Manhattan Express Roller fields and picnic areas), it combines rural elegance and stately facades characterize Coaster. seclusion with an easy commute to points the four luxury single-family models • COYOTE UGLY Bar and Dance saloon north and south via the Route 322 access available, each with 4 bedrooms, 2.5 baths to I-95. Philadelphia airport and downtown and the Dueling Pianos at the Bar at and 2- or 3-car garage (most side-entry). Times Square. Wilmington are each only 15 minutes away. Standard features include full basement, 9- Luxury carriage homes from the mid-$300s • New York City’s original Gallaghers foot ceilings on both first and second floor, feature contemporary open floor plans, Steakhouse. gas fireplace; kitchens feature 42-inch wall 9-foot ceilings on first and second floor, • Be the toast of the town in the Big apple cabinets, center island and quality dramatic volume spaces and window walls Bar with live entertainment nightly in “The Kenmore appliances. Living space ranges open to woodland views. Two- and three- Greatest City in Las Vegas.” from 2,600 to 3,600 sq. ft., with options to story designs are characterized by well- • ZUMANITY, Another side of Cirque du expand. Energy Star certified; high- defined elegance and luxury appointments; Soleil, the creative climax of sexuality, efficiency HVAC. Highly regarded 3 bedrooms, 2.5 baths, 1- or 2-car humanity and art. Appoquinimink School District. garage. Living space up to 2,600 sq. ft. Prices: low- to mid-$400s. Quick- Energy Star certified; high-efficiency HVAC.

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Highly regarded Garnet Valley School District. Quick-delivery homes available from high-$300s to low-$400s.

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