The Big Merger

Money changes everything. Agreeing on how to manage it may make for a better marriage.



Talking finance isn’t very romantic. But just as you’ll want to know your fiancé’s political and religious beliefs and values, it’s important to explore his approach to managing money.
The discussions aren’t always easy. Financial matters can trigger strong emotional reactions. Money has a way of making people feel safe (the saver), fearful (the “not enough” mentality), powerful (the investor or business mogul), popular (the social spendthrift), hip (the latest-gadget guy), or in control (the keeper of the checkbook). Whatever your feelings are, examine them closely and share them with your partner.
When planning to merge your finances, and throughout your marriage, “Discuss finances openly and frequently so that there’s a blending of understanding for a sound financial relationship,” says Tom Shopa, CPA, of McBride Shopa and Company in Wilmington.
Make those discussions a consistent part of your life together—and a priority, beginning right now. Here’s how.

Gather information

Ask questions. Is your partner a spender, a saver or a risk taker? If you have children together and one of you stays home, who will handle the money and how? Do either of you have major assets or debt?
Knowing the answers and each other’s credit standing will help you make important decisions about credit accounts, mortgages, investments and more. If your partner has a tarnished credit history, for example, you may want to apply for a home mortgage in your name only. If you have an excellent credit rating, you may choose to exclude his name on your accounts.
“With first marriages, though, people usually have fewer things and build their marital wealth together,” Shopa says. “It’s still sound and conventional to buy property together in both names and title it jointly.”
 

Budgeting, Bills and Bank Accounts

Examine your expenditures together. See if there are ways to streamline. Can you save money by consolidating health or car insurance policies or cell phone plans? Auto insurance companies may offer discounts for multi-vehicle policies. And if both your employers offer health insurance, perhaps it’s better to put one spouse on the other’s plan.
Develop a budget to include monthly expenses, pay off debts, and put money into savings accounts. Then decide who will assume responsibility for paying the bills each month or if you’ll alternate.
“For simplification purposes, it makes sense to establish joint accounts so that both husband and wife have access and so that everything passes easily to the spouse in cases of survivorship,” says Ken Rudzinski, a certified financial planner with The America Group in Wilmington.
Some couples, however, prefer to have separate accounts and divvy up the monthly bills. “I’ve had couples that say, ‘You pay this, I’ll pay that,’” Rudzinski says. “Other couples have a joint account for marital expenditures, as well as individual accounts they hold separately.”
Keeping individual accounts is more common in second marriages. “But contribute to a joint account to pay living expenses,” says Shopa. Partners may have very different obligations. There may be stepchildren or alimony payments involved, or one spouse may want to maintain some financial independence.
If one spouse makes more money than the other, he or she may contribute more to the joint account, or each may contribute a percentage of their income. “The result is that both spouses pay the joint expenses and bills,” Shopa says. “But if one wants to buy something special for the other for Christmas, it comes out of his or her personal account.”
 

Have a Safety Plan

While establishing bank accounts, create an emergency fund with three to six months’ of expenditures in liquid assets. “It’s important, even if you need to use wedding gift money to start that account,” Rudzinski says. He suggests a money market or high-interest savings account, like an ING Orange Passbook account.
If one partner suddenly loses his or her job, it could reduce your income drastically. “Where are you going to get the money to maintain your standard of living?” Rudzinski says. With an emergency savings account, you can eliminate some of that worry.
 

Insurance

Along with an emergency cash fund, a safety plan should include auto, home, life and disability insurance. Term life insurance is critical, especially if the surviving spouse may be left with children and a home to pay for. A term life insurance policy can pay off the mortgage and provide monthly income to the surviving spouse.
“Term insurance is so inexpensive these days,” Rudzinski says. “You can get a 10-, 20- or 30-year term policy with high face amount and low payments. A 25-year-old male non-smoker, at a preferred-plus rate, can pay only $245 per year for a $500,000 policy.”
Don’t be caught without life insurance, and make sure you both have adequate disability insurance. “If you’re in a car accident or have health issues, and your debt depends on two incomes, you need that insurance to cover it,” Rudzinski says.
“Disability is, in some cases, almost more important than life insurance because people have a much greater chance of becoming disabled than of early mortality,” Shopa says.
 

Savings and Retirement

Begin saving part of every paycheck for the future, Shopa says. “It’s the best time to save and to use the money for common goals like the house, family, education and vacation you want.”
It’s also the time to start saving for your children’s college educations and your retirement. “The sooner you start saving money, the better off you’ll be and the less of your own money you’ll have to save because of the simple laws of compound interest,” Rudzinski says.
Couples planning to have children can set up a Section 529 college savings plan before those children come along. Start saving in your own name, then transfer to your child later. If it turns out that you don’t have children, you can transfer the account to another family member or withdraw the money. If the money is not used for qualified educational expenses, however, you’ll pay a 10 percent penalty. All of the gains are treated as ordinary income.
“If your employer offers matching funds on a 401(k) or 403(b), contribute the maximum amount allowable—$15,500 per year,” Rudzinski says. “Even if you can only put in 1 or 2 percent, put it in. Don’t stop or decrease. Increase when you can.”
When you have made the maximum contribution to your 401(k), consider putting excess funds (up to $5,000) into a traditional IRA or Roth IRA. Consult a financial planner, however, because the rules about combined incomes and limits are complicated.
 

Tax Implications

While planning your financial future, it may also be a good time to speak with a financial adviser or accountant about the tax implications of marriage.
“There is a marriage penalty tax imposed when the couple’s combined incomes result in a higher tax rate than that of the individual’s,” Shopa says. “So the immediate need is to adjust the withholding and claim the proper amount of exemptions. That way, the couple pays their tax liability as they’ve earned the money”—and they’re not caught by surprise come April. Filing taxes separately could be beneficial, Shopa says, but it may not eliminate the marriage tax penalty.  
 

Prenuptial Agreements

One final bit of advice Shopa offers specifically, but not exclusively, to couples entering a second marriage is this: Get a prenuptial agreement.
“I really feel that both spouses, whether they have a little or a lot of assets, liabilities or responsibilities, should have an agreement signed prior to the wedding date that discloses their financial situation and agrees to how the couple’s wealth will be shared if the marriage doesn’t work out,” he says.
Prenups don’t always apply to failed marriages. They often contain specifics about stepchildren, how you earn and spend, and what will happen during a major life event such as death or disability.
“Drawing up a prenuptial agreement is a process, not something that you can wait for the last minute to do,” Shopa says.
Talking about prenups, taxes, insurance and retirement may seem terribly unromantic, but such discussions may make your marriage stronger in the long run. So before you take that walk down the aisle, take the first step toward planning a harmonious financial future.

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February 2016

Delaware State University will feature the following events and exhibitions during its 2016 Black History Month celebration: Wednesday, Feb. 3 Black Lives Matter Symposium Documentary...

Cost: FREE and open to the public

Where:
Delaware State University
1200 N DuPont Highway
Dover, DE  19901
View map »

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First Saturdays in the First State Programs and events on the first Saturday of each month. Sites are open, 9 a.m. – 4:30 p.m., check website for details. Free admission. Something new every...

Cost: Free

Where:
First State Heritage Park
121 Martin Luther King, Jr. Blvd N
43 The Green
Dover, DE  19901
View map »


Sponsor: First State Heritage Park
Telephone: 302-739-9194
Contact Name: Sarah Zimmerman
Website »

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Our Winter Group Show features oil paintings by Rosemary Castiglioni, Jim Gears and Mary Ann Weselyk. Still-life paintings with subtle color variations by...

Cost: Free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
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Telephone: 302-654-8638
Website »

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Guests can explore three floors of exhibitions in the Visitor Center, stroll along the river through dozens of historic structures from the Industrial Revolution, and explore the gardens and...

Cost: $0-14

Where:
Hagley Museum
201 Hagley Creek Rd
Wilmington, DE  19807
View map »


Telephone: 302-658-2400
Contact Name: Meg Marcozzi
Website »

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Explore some of the diverse ways that human beings have understood sex and sexuality, gender and gender diversity in this small but broad new exhibition, presented in conjunction with the 2015-2016...

Cost: Free with Museum Admission.

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
View map »


Website »

More information

For more information, please contact: Dave Ruffner ​Rehoboth Beach Film Society 107 Truitt Ave. Rehoboth Beach, DE 19971 302-645-9095, ext. 4 administrator@rehobothfilm.com...

Cost: Free

Where:
, DE


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

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One single teaspoon of soil contains more beneficial microorganisms than there are people living in the entire world today. These amazing microscopic creatures feed and protect our plants,...

Cost: Free

Where:
Kennett Township Building
801 Burrows Run Road
Chadds Ford, PA  19317
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Sponsor: The Land Conservancy for Southern Chester County
Telephone: 610-347-0347
Contact Name: Hannah
Website »

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A successful writer of Broadway thrillers is struggling to overcome a dry spell when he receives a script from a student —a potential Broadway hit. Thereafter suspense...

Where:
, DE

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Ditch the winter whites for a world of dazzling color at Longwood Gardens, where you can stroll through thousands of orchids in bloom. Kennett Square, www.longwoodgardens.org 

Where:
, DE

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, DE

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Location: Empowered Yoga, 2000 Pennsylvania Ave., Wilmington Time: Registration: 11:30 a.m., Race: 12:30 p.m. Fee: $20 (until the Thursday before the race at noon), $30 after and day of event...

Where:
, DE

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Chances are, if you look out your windows, it’s pretty wintry. When was the last time you saw lush green plants in that view? We have a cure for your blahs, straight from the...

Where:
, DE

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Our Winter Group Show features oil paintings by Rosemary Castiglioni, Jim Gears and Mary Ann Weselyk. Still-life paintings with subtle color variations by...

Cost: Free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Delaware State University will feature the following events and exhibitions during its 2016 Black History Month celebration: Wednesday, Feb. 3 Black Lives Matter Symposium Documentary...

Cost: FREE and open to the public

Where:
Delaware State University
1200 N DuPont Highway
Dover, DE  19901
View map »

More information

Explore some of the diverse ways that human beings have understood sex and sexuality, gender and gender diversity in this small but broad new exhibition, presented in conjunction with the 2015-2016...

Cost: Free with Museum Admission.

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
View map »


Website »

More information

Two-hour guided tours are offered at 10:30 a.m. and 1:30 p.m. Monday through Friday. Guests will visit Eleutherian Mills Residence, the first du Pont family home built in America; the First Office...

Cost: $0-14

Where:
Hagley Museum
201 Hagley Creek Rd
Wilmington, DE  19807
View map »


Telephone: 302-658-2400
Contact Name: Meg Marcozzi
Website »

More information

For more information, please contact: Dave Ruffner ​Rehoboth Beach Film Society 107 Truitt Ave. Rehoboth Beach, DE 19971 302-645-9095, ext. 4 administrator@rehobothfilm.com...

Cost: Free

Where:
, DE


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

Location: Helen F. Graham Cancer Center & Research Institute, 4701 Ogletown-Stanton Road, Newark Time: 1p.m.-3 p.m. or 6 p.m.–8 p.m. To register: call 623-4580 and specify preferred...

Where:
, DE

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A successful writer of Broadway thrillers is struggling to overcome a dry spell when he receives a script from a student —a potential Broadway hit. Thereafter suspense...

Where:
, DE

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Regional artists Carol Tippit Woolworth, Catherine Drabkin, Pahl Alexander Hluchan, Colleen Randall and Dan Jackson explore the concept of place—physical, emotional and spiritual—in...

Where:
, DE

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Ditch the winter whites for a world of dazzling color at Longwood Gardens, where you can stroll through thousands of orchids in bloom. Kennett Square, www.longwoodgardens.org 

Where:
, DE

More information

Show More...
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Delaware State University will feature the following events and exhibitions during its 2016 Black History Month celebration: Wednesday, Feb. 3 Black Lives Matter Symposium Documentary...

Cost: FREE and open to the public

Where:
Delaware State University
1200 N DuPont Highway
Dover, DE  19901
View map »

More information

Our Winter Group Show features oil paintings by Rosemary Castiglioni, Jim Gears and Mary Ann Weselyk. Still-life paintings with subtle color variations by...

Cost: Free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Nanticoke Memorial Hospital will host a four-session diabetes educational program, The Diabetes Connection, on February 2, 9, 16, and 23 from 9:30 a.m.–11:30 a.m. The cost of the...

Cost: Call for information.

Where:
Nanticoke Memorial Hospital
801 Middleford Road
Seaford, DE  19973
View map »


Telephone: 302-629-6611x2446
Contact Name: Nanticoke's Diabetes Education Department
Website »

More information

Explore some of the diverse ways that human beings have understood sex and sexuality, gender and gender diversity in this small but broad new exhibition, presented in conjunction with the 2015-2016...

Cost: Free with Museum Admission.

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
View map »


Website »

More information

Two-hour guided tours are offered at 10:30 a.m. and 1:30 p.m. Monday through Friday. Guests will visit Eleutherian Mills Residence, the first du Pont family home built in America; the First Office...

Cost: $0-14

Where:
Hagley Museum
201 Hagley Creek Rd
Wilmington, DE  19807
View map »


Telephone: 302-658-2400
Contact Name: Meg Marcozzi
Website »

More information

For more information, please contact: Dave Ruffner ​Rehoboth Beach Film Society 107 Truitt Ave. Rehoboth Beach, DE 19971 302-645-9095, ext. 4 administrator@rehobothfilm.com...

Cost: Free

Where:
, DE


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

East Coast Garden Center is holding our 2nd Annual Indoor Farmer's Market starting Nov. 10 from noon to 3 p.m. It wil be held every Tuesday till April 26, 2016. We have 20...

Cost: Depends on what you purchase

Where:
East Coast Garden Center
30336 Cordrey Rd
Millsboro, DE  19966
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Sponsor: Garden Center
Telephone: 302-945-3489
Contact Name: Valery Cordrey
Website »

More information

Join us every Tuesday for this fun and educational enrichment activity. Students will learn to draw pictures from a variety of themes, including woodland animals, creatures by the sea, creepy...

Cost: $10

Where:
Red Clay Creek Presbyterian Church
500 McKennans Church Rd
Room 206
Wilmington, DE  19808
View map »

More information

Join us every Tuesday for this fun and educational enrichment activity. Students will learn to draw pictures from a variety of themes, including woodland animals, creatures by the sea, creepy...

Cost: $10

Where:
Red Clay Creek Presbyterian Church
500 McKennans Church Rd
Room 206
Wilmington, DE  19808
View map »

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Participants must be at least 18 years old to register and be able to attend all sessions. For more information, contact Terry Towne, RN, at 744-6724, or teresa_towne@bayhealth.org...

Where:
Bayhealth Kent General
4th-Floor Conference Room
640 S. State St.
Dover, DE
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A successful writer of Broadway thrillers is struggling to overcome a dry spell when he receives a script from a student —a potential Broadway hit. Thereafter suspense...

Where:
, DE

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Location: Helen F. Graham Cancer Center & Research Institute, 4701 Ogletown-Stanton Road, Newark Dates: Feb. 9, 16, 23; March 1 Time: 10:30 a.m.–1:30 p.m. For more...

Where:
, DE

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Ditch the winter whites for a world of dazzling color at Longwood Gardens, where you can stroll through thousands of orchids in bloom. Kennett Square, www.longwoodgardens.org 

Where:
, DE

More information

Regional artists Carol Tippit Woolworth, Catherine Drabkin, Pahl Alexander Hluchan, Colleen Randall and Dan Jackson explore the concept of place—physical, emotional and spiritual—in...

Where:
, DE

More information

Show More...
Show Less...

Our Winter Group Show features oil paintings by Rosemary Castiglioni, Jim Gears and Mary Ann Weselyk. Still-life paintings with subtle color variations by...

Cost: Free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Delaware State University will feature the following events and exhibitions during its 2016 Black History Month celebration: Wednesday, Feb. 3 Black Lives Matter Symposium Documentary...

Cost: FREE and open to the public

Where:
Delaware State University
1200 N DuPont Highway
Dover, DE  19901
View map »

More information

Explore some of the diverse ways that human beings have understood sex and sexuality, gender and gender diversity in this small but broad new exhibition, presented in conjunction with the 2015-2016...

Cost: Free with Museum Admission.

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
View map »


Website »

More information

Two-hour guided tours are offered at 10:30 a.m. and 1:30 p.m. Monday through Friday. Guests will visit Eleutherian Mills Residence, the first du Pont family home built in America; the First Office...

Cost: $0-14

Where:
Hagley Museum
201 Hagley Creek Rd
Wilmington, DE  19807
View map »


Telephone: 302-658-2400
Contact Name: Meg Marcozzi
Website »

More information

For more information, please contact: Dave Ruffner ​Rehoboth Beach Film Society 107 Truitt Ave. Rehoboth Beach, DE 19971 302-645-9095, ext. 4 administrator@rehobothfilm.com...

Cost: Free

Where:
, DE


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

It's a jam session, it's a dance party, it's a live show—and it always features the hottest talent on the scene! Sittin' In is the free monthly jam session at the Kimmel...

Cost: Free

Where:
Kimmel Center - Commonwealth Plaza
300 S. Broad St.
Philadelphia, PA  19102
View map »


Sponsor: Kimmel Center
Website »

More information

A successful writer of Broadway thrillers is struggling to overcome a dry spell when he receives a script from a student —a potential Broadway hit. Thereafter suspense...

Where:
, DE

More information

Regional artists Carol Tippit Woolworth, Catherine Drabkin, Pahl Alexander Hluchan, Colleen Randall and Dan Jackson explore the concept of place—physical, emotional and spiritual—in...

Where:
, DE

More information

Ditch the winter whites for a world of dazzling color at Longwood Gardens, where you can stroll through thousands of orchids in bloom. Kennett Square, www.longwoodgardens.org 

Where:
, DE

More information

Show More...
Show Less...

Delaware State University will feature the following events and exhibitions during its 2016 Black History Month celebration: Wednesday, Feb. 3 Black Lives Matter Symposium Documentary...

Cost: FREE and open to the public

Where:
Delaware State University
1200 N DuPont Highway
Dover, DE  19901
View map »

More information

Our Winter Group Show features oil paintings by Rosemary Castiglioni, Jim Gears and Mary Ann Weselyk. Still-life paintings with subtle color variations by...

Cost: Free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

Explore some of the diverse ways that human beings have understood sex and sexuality, gender and gender diversity in this small but broad new exhibition, presented in conjunction with the 2015-2016...

Cost: Free with Museum Admission.

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
View map »


Website »

More information

Two-hour guided tours are offered at 10:30 a.m. and 1:30 p.m. Monday through Friday. Guests will visit Eleutherian Mills Residence, the first du Pont family home built in America; the First Office...

Cost: $0-14

Where:
Hagley Museum
201 Hagley Creek Rd
Wilmington, DE  19807
View map »


Telephone: 302-658-2400
Contact Name: Meg Marcozzi
Website »

More information

This art exhibit features fine art works and three dimensional pieces that embrace the subject “red.” Artist are free to use their imagination and creativity, so works will include...

Cost: Free

Where:
The Gibby Center for the Arts
51 W Main St.
Middletown, DE  19709
View map »


Sponsor: The Gibby Center for the Arts
Telephone: 302-449-5396
Contact Name: Caroline Zeitler
Website »

More information

For more information, please contact: Dave Ruffner ​Rehoboth Beach Film Society 107 Truitt Ave. Rehoboth Beach, DE 19971 302-645-9095, ext. 4 administrator@rehobothfilm.com...

Cost: Free

Where:
, DE


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

Nanticoke Memorial Hospital offers childbirth classes on Thursdays from 6:30 p.m. to 8:30 p.m. in the Ground Floor Conference Room. The class will meet each Thursday for a total of five...

Cost: $50

Where:
Nanticoke Memorial Hospital
801 Middleford Rd.
Seaford, DE  19973
View map »


Telephone: 302-629-6611 ext. 2540
Contact Name: Maternal Child Health Clinical Educator
Website »

More information

Regional artists Carol Tippit Woolworth, Catherine Drabkin, Pahl Alexander Hluchan, Colleen Randall and Dan Jackson explore the concept of place—physical, emotional and spiritual—in...

Where:
, DE

More information

Ditch the winter whites for a world of dazzling color at Longwood Gardens, where you can stroll through thousands of orchids in bloom. Kennett Square, www.longwoodgardens.org 

Where:
, DE

More information

A successful writer of Broadway thrillers is struggling to overcome a dry spell when he receives a script from a student —a potential Broadway hit. Thereafter suspense...

Where:
, DE

More information

Show More...
Show Less...

Our Winter Group Show features oil paintings by Rosemary Castiglioni, Jim Gears and Mary Ann Weselyk. Still-life paintings with subtle color variations by...

Cost: Free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
View map »


Telephone: 302-654-8638
Website »

More information

The Philly Home Show will inspire your inner HGTV star at the Pennsylvania Convention Center in Philadelphia from Feb. 12–14 and 19–21. The show will feature highly interactive...

Cost: $13

Where:
Pennsylvania Convention Center
1101 Arch St.
Philadelphia, PA  19104
View map »

More information

Explore some of the diverse ways that human beings have understood sex and sexuality, gender and gender diversity in this small but broad new exhibition, presented in conjunction with the 2015-2016...

Cost: Free with Museum Admission.

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
View map »


Website »

More information

Two-hour guided tours are offered at 10:30 a.m. and 1:30 p.m. Monday through Friday. Guests will visit Eleutherian Mills Residence, the first du Pont family home built in America; the First Office...

Cost: $0-14

Where:
Hagley Museum
201 Hagley Creek Rd
Wilmington, DE  19807
View map »


Telephone: 302-658-2400
Contact Name: Meg Marcozzi
Website »

More information

This art exhibit features fine art works and three dimensional pieces that embrace the subject “red.” Artist are free to use their imagination and creativity, so works will include...

Cost: Free

Where:
The Gibby Center for the Arts
51 W Main St.
Middletown, DE  19709
View map »


Sponsor: The Gibby Center for the Arts
Telephone: 302-449-5396
Contact Name: Caroline Zeitler
Website »

More information

For more information, please contact: Dave Ruffner ​Rehoboth Beach Film Society 107 Truitt Ave. Rehoboth Beach, DE 19971 302-645-9095, ext. 4 administrator@rehobothfilm.com...

Cost: Free

Where:
, DE


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
Website »

More information

This art exhibit features fine art works and three dimensional pieces that embrace the subject “red.” Artist are free to use their imagination and creativity, so works will include...

Cost: Free

Where:
The Gibby Center for the Arts
51W Main St.
Middletown, DE  19709
View map »


Sponsor: The Gibby Center for the Arts
Telephone: 302-449-5396
Contact Name: Caroline Zeitler
Website »

More information

A spoiled orphan girl is sent to live with her uncle on the Yorkshire moors and discovers renewed life, for herself and her sickly cousin, in bringing her dead aunt’s secret garden back to...

Cost: $15–$18

Where:
The Secret Garden
47 W Main St.
Middletown, DE  19709
View map »


Sponsor: The Everett Theatre
Telephone: 302-540-8561
Contact Name: Chris Everett
Website »

More information

Meeting every Friday, Bayhealth Kent General Hospital, 640 s. State Street, Dover, 7:30 pm., Private Dining Room #3 in the basement. For those who have, or think they may have a gambling problem....

Cost: 0.00

Where:
Bayhealth Kent General Hospital
640 S. State Street
Private Dining Room #3
Dover, DE  19901
View map »


Telephone: 800-855-2CALLGA
Website »

More information

Playing folk, Americana and blues, Sand Creek is a central Delaware institution of a band.   Friends of Folk is a nonprofit organization devoted to the promotion and preservation...

Cost: Free

Where:
First State Heritage Park
The Old State House
25 The Green
Dover, DE  19901
View map »


Sponsor: First State Heritage Park
Telephone: 739-9194
Website »

More information

Art, the fourth element of hip-hop, comes alive for enthusiasts of both art and hip-hop. Let your inner creativity and love for hip-hop hit the canvas. "All I Need" is...

Cost: $40

Where:
Humpty's Dumplings
277 N Keswick Ave
Glenside, PA  19038
View map »


Sponsor: Creative Paint Nites
Telephone: 267-312-8339
Contact Name: Charisse R McGill
Website »

More information

Ditch the winter whites for a world of dazzling color at Longwood Gardens, where you can stroll through thousands of orchids in bloom. Kennett Square, www.longwoodgardens.org 

Where:
, DE

More information

Regional artists Carol Tippit Woolworth, Catherine Drabkin, Pahl Alexander Hluchan, Colleen Randall and Dan Jackson explore the concept of place—physical, emotional and spiritual—in...

Where:
, DE

More information

Christiana Care at the New Castle Farmers Market Location: New Castle Farmers Market, 110 N. Dupont Hwy., New Castle, Market Stage Area Time: 11 a.m.–4 p.m. Routine screenings for...

Where:
, DE

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A successful writer of Broadway thrillers is struggling to overcome a dry spell when he receives a script from a student —a potential Broadway hit. Thereafter suspense...

Where:
, DE

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Our Winter Group Show features oil paintings by Rosemary Castiglioni, Jim Gears and Mary Ann Weselyk. Still-life paintings with subtle color variations by...

Cost: Free

Where:
The Station Gallery
3922 Kennett Pike
Greenville, DE  19807
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Telephone: 302-654-8638
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Features activities and crafts that help visitors learn about local and national political roles in environmental conservation. Visitors can learn about the battle that politicians fought for a...

Cost: Free with admission

Where:
Delaware Museum of Natural History
4840 Kennett Pike
Wilmington, DE  19807
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The Philly Home Show will inspire your inner HGTV star at the Pennsylvania Convention Center in Philadelphia from Feb. 12–14 and 19–21. The show will feature highly interactive...

Cost: $13

Where:
Pennsylvania Convention Center
1101 Arch St.
Philadelphia, PA  19104
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Explore some of the diverse ways that human beings have understood sex and sexuality, gender and gender diversity in this small but broad new exhibition, presented in conjunction with the 2015-2016...

Cost: Free with Museum Admission.

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
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What was behind the legendary story of King Midas and his golden touch? That is the question to be answered—not with chests full of gold, but with a spectacular array of ancient artifacts,...

Cost: Adults $20; seniors $18; students (with ID) $15; children (ages 6–17) $15

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
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Guests can explore three floors of exhibitions in the Visitor Center, stroll along the river through dozens of historic structures from the Industrial Revolution, and explore the gardens and...

Cost: $0-14

Where:
Hagley Museum
201 Hagley Creek Rd
Wilmington, DE  19807
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Telephone: 302-658-2400
Contact Name: Meg Marcozzi
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Penn Museum opens the world premiere exhibition The Golden Age of King Midas—featuring ancient treasures on loan from the Republic of Turkey—with a spectacular daylong public...

Cost: $15

Where:
Penn Museum
3260 South St.
Philadelphia, PA  19104
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This art exhibit features fine art works and three dimensional pieces that embrace the subject “red.” Artist are free to use their imagination and creativity, so works will include...

Cost: Free

Where:
The Gibby Center for the Arts
51 W Main St.
Middletown, DE  19709
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Sponsor: The Gibby Center for the Arts
Telephone: 302-449-5396
Contact Name: Caroline Zeitler
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For more information, please contact: Dave Ruffner ​Rehoboth Beach Film Society 107 Truitt Ave. Rehoboth Beach, DE 19971 302-645-9095, ext. 4 administrator@rehobothfilm.com...

Cost: Free

Where:
, DE


Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
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The Rehoboth Beach Film Society and CAMP Rehoboth will co-present "Tab Hunter Confidential" and "Portrait of a Serial Monogamist" as part of its annual Another Take...

Cost: $8

Where:
Metropolitan Community Church
19369 Plantation Rd.
Rehoboth Beach, DE  19971
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Sponsor: Rehoboth Beach Film Society
Telephone: 302-645-9095
Contact Name: Jeri Kaplan
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"La Sylphide" shares the beautiful and romantic story of our hero, James—a young Scottish farmer who, on the eve of hid wedding, abandons his betrothed, Effie, after being...

Cost: $25

Where:
Salesanium School
1801 North Broom St.
Wilmington, DE  19802
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Sponsor: Academy of International Ballet
Telephone: 1-866-908-5666
Contact Name: Denis Gronostayskiy
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Venture back with us for an evening where we re-imagine the Victorian Industrial Age as seen through our steam-powered, futuristic goggles.  Our biggest fundraiser of the year and all proceeds...

Cost: $100-$110

Where:
Smyrna Opera House
7 West South Street
Smyrna, DE  19977
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A spoiled orphan girl is sent to live with her uncle on the Yorkshire moors and discovers renewed life, for herself and her sickly cousin, in bringing her dead aunt’s secret garden back to...

Cost: $15–$18

Where:
The Secret Garden
47 W Main St.
Middletown, DE  19709
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Sponsor: The Everett Theatre
Telephone: 302-540-8561
Contact Name: Chris Everett
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Location: St. Mark’s High School, 2501 Pike Creek Road, Wilmington Time: Registration: 11:30 a.m. Race: 12:30 p.m. Fee: $25 (until Thursday, Feb. 11), $35 after and day of event...

Where:
, DE

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Location: Beebe Healthcare’s Medical Center, 424 Savannah Road, Lewes Date: Saturday, Feb. 13 (and the second Saturday of each month) Time: 9 a.m. Fee: Free For more...

Where:
, DE

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Ditch the winter whites for a world of dazzling color at Longwood Gardens, where you can stroll through thousands of orchids in bloom. Kennett Square, www.longwoodgardens.org 

Where:
, DE

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A successful writer of Broadway thrillers is struggling to overcome a dry spell when he receives a script from a student —a potential Broadway hit. Thereafter suspense...

Where:
, DE

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Regional artists Carol Tippit Woolworth, Catherine Drabkin, Pahl Alexander Hluchan, Colleen Randall and Dan Jackson explore the concept of place—physical, emotional and spiritual—in...

Where:
, DE

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