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Lewes, Delaware
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November 21, 2014     Cape Gazette
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56 FRIDAY, NOVE~IBER 21- MONDAY, NOVEMBER 24, 2014 BUSINESS & REAL ESTATE Cape Gazette a different k nd of ender SUBMITTED PHOTOS LOCAL STAINED-GLASS ARTIST Cheryl Young is happy to visit clients' homes to help develop ideas for projects. Local stained-gl artist offers unique creations Native Delawarean Cheryl She can be reached at 302-670- Young is a stained-glass artist 4942 or on her Facebook page at who creates unique, custom piec- www.facebook.com/CTYoung- of all sizes that add beauty and glassworks. elegance to every style of home. Her specialty is the creation of stained glass pieces that fit into transom windows and door sidelights. Rather than replace the win- dow, which was typically done years ago, the glass piece is cre- ated and installed directly behind the window. This process not only serves to help conserve energy by keeping the original window in place, but protects the piece completely from the elements. Young's work can be found in Kent and Sussex county homes and business offices. The front door sidelight shown is housed in a townhome overlooking Dela- ware Bay in Lewes, Delaware. This door sidelight offers beauty and Young will be happy to visit cli- an extra layer of protection from cold ents' homes to offer ideas, weather. Whether it's purchasing your first home or refinancing for a new kitchen, debt consolidation to make a fresh start, or to pay for a college education, Embrace Home Loans continues to provide unparalleled service to help our neighbors finance their dreams. Vt' Approved FNMA, FHA, VA Approved Delaware State Housing Lender V( 100% Financing Available with USDA if Qualified Top 25 Largest Lenders in the U.S. )me loans Embrace I lome Loans, Inc. (NMLS iD#21 $4)is licensed in D{:, M[) (WWW.I]R~ b; ~ ~ e t( (~.'SS.COm) ~ ~NDtii Jumbo Loans Vf Manufactured Homes (Class C) Condos Single Family Primary & Secondary Homes $4-00 One credit per loan closing Cannot be combir~ed with a~ ~y other credit or promotienal offers. I_oans with alternative rates and terms are available. Offer good for all applications submitted prior to January 31,2015. ............................................................... ~--, For more information, contact: Patrick L. Donovan Senior Loan Officer / NMLS# 450601 302.827.5100 pdonovan@embracehomeloans.com apply at embracehomeloans.com/pat-donovan ] 7577 Nassau Commons Blvd., Suite 201, Lewes, DE 1 9958 ROOFING, CHIMNEY & GUTTER SPECIALISTS Free workshop about Medicare offered to baby boomers Dec. 3 The Money School is offering will cover the following: free workshops to Baby Boomers How Medicare enrollment about Medicare in Sussex County. periods work and what One needs A series of educational work- to do to avoid late-enrollment shops titled Savvy Medicare penalties Planning has been scheduled How much one can expect to during Medicare's upcoming pay in healthcare costs after go- fall enrollment period. A work- ing onto Medicare shop will be presented by Money How Medicare works with School instructor Brett Toomey private insurance and how to of Heritage WealthCare Advisors, avoid excess costs Wednesday, Dec. 3, at 1:30 p.m. Why one must plan for higher at the Rehoboth Beach Public healthcare costs in retirement, in- Library. cluding the possibility of needing It is essential for baby boomers long-term care. to understand what they can do Call 302-227-8044 or register to prepare fmancially, online at www.rehobothlibrary. Fifty-seven percent of baby org to reserve a spot. boomers said they had a poor Money School classes are understanding (31 percent) or presented for educational pur- know almost nothing (26 per- poses only and are not intended cent) about Medicare, according to serve as individual consul- to a recent survey by Bankers tations, recommendations, or Trust. Three-quarters of boomers guarantees of resuks. (72 percent) did not know that The Money School and Dela- most Americans on Medicare ware Financial Literacy Institute pay premiums, copays and de- are supported entirely by grants ductibles. One in seven thought and contributions. DFLI is a 501c3 Medicare was free. Only 14 per- organization and is not a state cent knew Medicare does not agency. Contributions help DFLI cover long-term care. provide free classes and pro- This educational workshop grams around the state. Catch us on WGMD 92.7 Sundays 11:30 - Noon Answering your questions