Louisville Builder - February 2016

2015 BIA HOLIDAY PARTY | 2016 BIA EDUCATION CLASSES | FINANCIAL FORECASTING AND PLANNING FOR 2016

THE OFFICIAL PUBLICATION OF THE BUILDING INDUSTRY ASSOCIATION OF GREATER LOUISVILLE, INC.

VOLUME 29, NO.02 FEBRUARY 2016

Elmus S. Ussery Builder of the Year:

PERRY LYONS

BIALouisville.com

See member news and search for members at BIALouisville.com

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vol. 29, no.02 february 2016

contents

THE OFFICIAL PUBLICATION OF THE BUILDING INDSTURY ASSOCIATION OF GREATER LOUISVILLE

association news 13 Home Product Expo, presented by L&N Federal Credit Union 14 2016 BIA Education Classes 20 Meet BIA Manager of Shows & Events Ally Sauer departments Perspective Letter.................................5 Spike List.........................................26 Member News..................................27

feature

2015 Holiday Party

New Members..................................28

The BIA’s 69th Annual Holiday Party was held on December 11 at the Hyatt Louisville Downtown with over 300 members and local elected officials enjoying the festivities.

Milestone Members.........................28

page 6

Honor Roll.......................................29 Corporate Sponsors..........................29 Calendar of Events...........................30

2015 BIA HOLIDAY PARTY | 2016 BIA EDUCATION CLASSES | FINANCIAL FORECASTING AND PLANNING FOR 2016

THE OFFICIAL PUBLICATION OF THE BUILDING INDUSTRY ASSOCIATION OF GREATER LOUISVILLE, INC.

VOLUME 29, NO.02 FEBRUARY 2016

Elmus S. Ussery Builder of the Year:

PERRY LYONS

events

It’s Time for Spring Cleaning! The Home, Garden & Remodeling Show presented by Window World is March 18-20. page 19

feature

Financial Forecasting and Planning for 2016 page 22

BIALouisville.com

See member news and search for members at BIALouisville.com

FACEBOOK

Cover: 2015 Emlus S. Ussery Builder of the Year: Perry Lyons

february 2016 3

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perspectiveletter Building Industry Association of Greater Louisville

1000 North Hurstbourne Parkway Louisville, KY 40223-4012 (502) 429-6000 FAX (502) 429-6036 Email: newhomes@bialouisville.com Web Site: www.bialouisville.com 2016 OFFICERS Don Karem President

Helping to Connect our Members

by Chuck kavanaugh

Jeremy Esposito Vice President Mark Simpson Treasurer Scott Welch Secretary Tom Raver Associate Vice President Charles J. Kavanaugh Executive Vice President BUILDER DIRECTORS Brandon Bailey Jack Band Pat Durham Palmer Colre David Elder, Jr. Brad Hicks Mike Isaac Michael Judah Stacye Love David Lutes George Miller Michael O’Dea Jason Orthober Daniel Smith Donald Wirtzberger

ASSOCIATE DIRECTORS Matt Drexler Bob Duggins Brian Gohmann Kevin Gray Stan Logan, Jr. Teresa Morgan Peter Nesmith David Parks Kevin Passanisi Joe Simms John Talbott John Thomas Chad Turner HONORARY Builder DIRECTOR

Clifford Thieneman, Sr.

HONORARY associate DIRECTORs Frank Arnold, Sr. Richard Bean PUBLISHER Charles J. Kavanaugh EDITORS Kieler Henry Vickie Miller Advertising Kimberly Greenwell 502.429.6000 GRAPHIC DESIGN Scott Dudgeon Writers Stacy Smith Rogers BIA Issues Nancy Miller Product Features BIA Staff PRINTING Clark and Riggs

Your Association is unique. Very few associations of our kind offer their members the ability to reach consumers in the way the BIA does.

The Building Industry Association of Greater Louisville offers each of its members the chance to not only network with other businesses, but we also offer a variety of ways for you to connect with the buying public. Events such as last month’s Home Product Expo in Bullitt County or the Home, Garden & Remodeling Show, presented by Window World at the Kentucky Expo Center in March allow you to showcase your products, services, and talents to customers in ways that are unmatched to any other marketing opportunity in the city.

I truly believe that your participation in home shows, particularly the upcoming March show, which is in its 66th year as “Louisville’s Original Home Show” will jumpstart your business for the spring and the remainder of the year.

In this information era, nearly every decision is an informed one, particularly when it comes to large purchases. Consumers want the ability to research online but also enjoy the ability to comparison shop, touch and feel the product, or speak directly with a person about a service or installation before committing to a product or company. Each of the home shows produced by the BIA offers our members this type of engagement with consumers, both at the show and through social media and publications.

I believe that the success of our members directly affects the success of our Association. It is this philosophy that drives our Association staff, Executive Committee and Board to operate with the aim to achieve our goal of “connecting members to customers,” in everything we do.

We appreciate all of our members that allow us to offer such great opportunities to help grow their businesses. I hope that you consider becoming involved in at least one of the shows this

Connecting members to customers at BIA events.

year, or if the general public isn’t your audience that you plan to attend the Table Top Night event February 16 to network and do business with fellow members.

We’d love to hear from you about ways that we can continue to help you reach your audience.

We look forward to helping your business grow!

Sincerely,

Charles J. Kavanaugh Executive Vice President Building Industry Association of Greater Louisville

february 2016 5

y a d i Hol y t Par 2015

The BIA’s 69th Annual Holiday Party was held on December 11 at the Hyatt Louisville Downtown, where over 300 members and local elected officials enjoyed the festivities. Past BIA President Perry Lyons installed the 2016 Board of Directors, Executive Committee, including President Don Karem. Retiring Executive Vice-President Chuck Kavanaugh and Pat Durham, incoming Executive Vice-President, shared the stage and duties of Master of Ceremonies. Numerous awards were presented throughout the night!

Special thanks to the sponsors of the 2015 Holiday Party: VIP Reception Sponsor:

Kentucky & Indiana Dinner Sponsors:

Dessert and Coffee Reception:

Hardin County Plant ............... (270) 351-9216 Elizabethtown Plant #1 .......... (270) 737-2858 Elizabethtown Plant #2 .......... (270) 737-2858 Lincoln Trail Pre-cast ............ (270) 737-2858 Nelson Co. Plant ..................... (502) 348-4222 Shelby Co. Plant ...................... (502) 633-3955 Ohio Valley Plant .................... (812) 282-6671 Bullitt Co. Plant.........................(502) 957-7917

Kentucky Concrete, Inc. Kentucky Concrete of Indiana LLC DBA Ohio Valley Ready Mix

3600 Leitchfield Road, Cecilia, KY 42724

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Wine Sponsor

KI All Managers and Dispatch Personnel are Certified KRMCA & ACI Concrete Technicians.

(270) 737-2858

Bottoms Up Sponsor:

Picture Sponsors:

Jeremy Esposito and Mo

rgan John sharing a laug

h

february 2016

7

2015 Holiday Party

Swearing in of the 2016 BIA Board of Directors

The VIP reception before the party.

Former BIA President Perry Lyons swearing in the 2016 Executive Committee

8 louisville builder • bialouisville.com

2015 BIA President Pat Durham

Executive Vice-President Chuck Kavanaugh with 2015 BIA President Pat Durham

2015 Holiday Party

2016 Board of Directors and Executive Committee.

Former BIA President Bob Thieneman, Jr.

A festive evening for everyone.

Mike Issacs with BIA Holiday Party Chairman Richard Bean

2016 BIA President Don Karem february 2016

9

2015 Holiday Party

The much-anticipated announcement of the 2015 awards added excitement to the festive atmosphere of the event and recognized some well-known names in the BIA community.

And the winners were ....

Michael O’Dea Remodeler of the Year Award, BIA’s highest honor for remodelers.

Kevin Passanisi

Bob Duggins

Associate of the Year Award, BIA’s highest honor for associate members.

Howard C. Reeves Memorial Award for Membership, inaugurated in 1965 to recognize excellence in membership development, in memory of a past president, the late Howard C. Reeves.

10 louisville builder • bialouisville.com

2015 Holiday Party

John Miranda

John W. Robinson Lifetime Achievement Award, recognizes an individual who has made significant contributions to the home building industry throughout the years.

Perry Lyons

Elmus S. Ussery Builder of the Year Award, the highest honor the Association can bestow upon a builder and symbolizes the recognition of one of the industry’s most revered members, General Elmus S. Ussery, who passed away in 2006. february 2016 11

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Check out the LARGEST, LONGEST-RUNNING, LOCALLY-OWNED Home Show in the region online: LouisvilleHomeShow.com 12 louisville builder • bialouisville.com

Presented by:

Home Product Expo,

presented by L&N Federal Credit Union

By Stacy Smith Rogers

The Home Product Expo, presented by L&N Federal Credit Union was held January 30 and 31 at the Paroquet Springs Conference Centre in Shepherdsville. The event offered participants an ideal venue to reach consumers who are serious about doing research on upcoming home improvement projects for the spring. This was the sixth year for the event, and vendors report it offered great opportunities to talk one-on-one with potential customers.

P.J. Moore, L&N Federal Credit Union, cites the timing and location as a great backdrop to the successful event. Drawing attendees from all over the region, the Home Product Expo attracted serious buyers who were out doing research and eager to meet vendors. “For us at L&N, the decision to be a sponsor was a no-brainer. Our branch there has been so successful and with Homearama being there this summer we knew it would be great exposure for us. We’ve seen several refinances and home equity loans as a result of it. The event has drawn people from

Hardin County and Bardstown as well as Indiana, and it’s really starting to brand itself.”

“For us at L&N, the decision to be a sponsor was a no-brainer. Our branch there has been so successful and with Homearama being there this summer we knew it would be great exposure for us.”

- P.J. Moore

Tom Raver, Fireplace Distributors, noted that the event is something his company views as a jump start to the spring buying and planning season. “The people who attend that show are truly interested in what they are looking for, and the event continues to build momentum. We had sales from folks throughout the area, including Indiana, and the Shepherdsville community has embraced it and I think that helps.” february 2016 13

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Education Dept.

2016 BIA Education Classes

By Stacy Smith Rogers

BIA’s Education Department offers educational courses and seminars throughout the year that offer members critical, needto-know information that keeps them up-to-date with continuing education requirements and industry-specific regulations.

The courses are offered at an affordable price, and a majority of them are conveniently held at the BIA building. Many classes are approved by the Louisville Metro Inspections, Permits & Licensing Department and are available for credit hours for both members and non-members. Classes are held each month with the exception of June and July.

This year’s class schedule also includes classes designed to increase members’ skills in various areas, including management

FEBRUARY 16 HVAC 101, Electrical Code Update, Plumbing 101 8:30 am - 12:30 pm (4 hours BIA, 4 hours MCR) 18 CPR/First Aid/Bloodborne Pathogens Class (Fee to attend this class is $60.)

9 am - 12 Noon (3 hours BIA/0 hours MCR/2 hours AGC safety training)

and business strategies as well as strategic design and planning courses, including site planning and MSD certification, project management, estimation, specification writing, Residential Code updates and more. Numerous health and safety training classes are on the calendar for the remainder of the year, including those that deal with CPR training, OSHA record keeping, asbestos awareness, power tool and electrical safety, among others. As the BIA works to engage a broader member audience with its educational offerings, the association continues to be a valuable resource for information for members and the community at-large. Registration and payment for classes is available online at bialouisville.com.

MARCH 8 Safety Training – Asbestos Awareness When Renovating Older Homes or for Winterization Programs 9 am - 11 am (2 hours BIA/2 hours MCR/2 hours AGC safety training) Difference between “Prescriptive Path” and “Performance Path” of Energy Code Compliance for Residential Buildings per the 2009 IECC 12 noon - 4 pm (4 hours BIA/4 hours MCR)

23 Safety Training – Inspections, Citations and Focused Inspections 9 am - 11 am (2 hours BIA/0 hours MCR/2 hours AGC safety training)

10 Estimating for Remodelers 10 am - 12 noon (2 hours BIA, 2 hours MCR)

EPA Lead Renovator Refresher Training (Fee to attend this class is $125) 12 noon - 4 pm (4 hours BIA, 4 hours MCR)

29 Safety Training – Power Tool Safety/Electrical Safety 9 am - 11 am (2 hours BIA/2 hours MCR/2 hours AGC safety training)

14 louisville builder • bialouisville.com

BIA Education Department APRIL 14 Site Planning 9 am - 11 am (2 hours BIA, 2 hours MCR) (along with possible MSD Training – see class description for details)

OCTOBER 11 Safety Training – OSHA Recordkeeping and Reporting/Job Hazard Analysis 9 am - 11 am (2 hours BIA/0 hours MCR/2 hours AGC safety training)

Make-Up Air for Ventilation Products 1 pm – 3 pm (2 hours BIA, 2 hours MCR)

13 Safety Training – Residential Fall Prevention/Ladder Safety 9 am - 11 am (2 hours BIA/2 hours MCR/2 hours AGC safety training)

19 Safety Training – Landscaping and Lawn Care Safety/Hearing Conservation Program 9 am - 11 am (2 hours BIA/0 hours MCR/2 hours AGC safety training) 26 Safety Training – Personal Protective Equipment/Ladder Safety 9 am - 11 am (2 hours BIA/2 hours MCR/2 hours AGC safety training) EPA Lead Renovator Refresher Training (Fee to attend this class is $125) 12 noon - 4 pm (4 hours BIA, 4 hours MCR) MAY 24 CPR/First Aid/Bloodborne Pathogens Class (Fee to attend this class is $60.)

9 am - 12 Noon (3 hours BIA/0 hours MCR/2 hours AGC safety training) AUGUST 16 CPR/First Aid/Bloodborne Pathogens Class (Fee to attend this class is $60.)

9 am - 12 Noon (3 hours BIA/0 hours MCR/2 hours AGC safety training) 23 EPA Lead Renovator Refresher Training (Fee to attend this class is $125) 8:30 am - 12:30 pm (4 hours BIA, 4 hours MCR) 25 *Insurance, Job Site Safety, Warranties 9 am – 11 am (2 hours BIA, 2 hours MCR) SEPTEMBER 13 Safety Training – Asbestos Awareness When Renovating Older Homes or for Winterization Programs 9 am - 11 am (2 hours BIA/2 hours MCR/2 hours AGC safety training) 20 Safety Training – Mold Awareness & Basic Mold Testing for Emergency Renovations after Disasters/Fires/Floods 9 am - 11 am (2 hours BIA/0 hours MCR/2 hours AGC safety training) 22 Advanced Estimating AND Specification Writing 9 am - 3:30 pm (6 hours BIA/6 hours MCR) 27 *Estimating & Business Management for Builders and Remodelers 8:30 am - 12:30 pm (4 hours BIA, 4 hours MCR)

13 EPA Lead Renovator Refresher Training (Fee to attend this class is $125) 12 noon - 4 pm (4 hours BIA, 4 hours MCR) 18 Safety Training – Power Tool Safety/Electrical Safety 9 am - 11 am (2 hours BIA/2 hours MCR/2 hours AGC safety training) 25 Safety Training – Personal Protective Equipment/Power Tool Safety 9 am - 11 am (2 hours BIA/2 hours MCR/2 hours AGC safety training) 25 Safety Training – Asbestos Awareness When Renovating Older Homes or for Winterization Programs 1 pm - 3 pm (2 hours BIA/2 hours MCR/2 hours AGC safety training) 27 Safety Training – Introduction to OSHA 9 am - 11 am (2 hours BIA/0 hours MCR/2 hours AGC safety training) Safety Training – Trenching & Excavations/Residential Fall Prevention 1 pm - 3 pm (2 hours BIA/2 hours MCR/2 hours AGC safety training) NOVEMBER 8 Six Hour Class – Residential Code Update, Concrete 101, Safety Training – Mold Awareness & Basic Mold Testing for Emergency Renovations after Disasters/Fires/Floods 9 am - 3:30 pm (6 hours BIA, 6 hours MCR) **OFF SITE (These classes will be held at the U of L Shelby Campus – Founder’s Union Building.)

10 HVAC 201, Electrical Low Voltage Systems, Plumbing 201 8:30 am - 12:30 pm (4 hours BIA, 4 hours MCR) *Project Management 1 pm - 4 pm (3 hours BIA, 3 hours MCR) 17 Construction Technology & Application 8:30 am - 12:30 pm (4 hours BIA, 4 hours MCR) (Current Code Book Required) Installation of Fireplaces to Meet all the Codes 1 pm - 3 pm (2 hours BIA, 2 hours MCR) february 2016 15

BIA Education Department

Presented by:

29 *Total Home Builder Framing 1 pm - 4 pm (3 hours BIA, 3 hours MCR) 30 CPR/First Aid/Bloodborne Pathogens Class (Fee to attend this class is $60.)

9 am - 12 Noon (3 hours BIA/0 hours MCR/2 hours AGC safety training

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DECEMBER 8 Six Hour Class: Residential Code Update, Window & Door Best Practices AND Weather Resistant Barriers, Safety Training – Power Tool, Safety/ Residential Fall Prevention 9 am - 3:30 pm (6 hours BIA, 6 hours MCR) **OFF SITE (These classes will be held at the U of L Shelby Campus, Founder’s Union Building.)

13 EPA Lead Renovator Refresher Training (Fee to attend this class is $125) 8:30 am - 12:30 pm (4 hours BIA, 4 hours MCR)

Official Sponsor:

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It’s Time for Spring Cleaning!

Home, Garden & Remodeling Show presented by Window World offers a great opportunity to partner with fellow BIA members to get your own homes in order

By Stacy Smith Rogers

Spring is the perfect time to clear away the clutter, freshen things up and rejoice in being a homeowner. A clean, organized home can motivate and encourage those who live in it. The hard part is making time to do it. Procrastination and hectic schedules often thwart those efforts. Experts report, however, that spring cleaning is associated with improved mood, decreased stress and heightened creativity, so it’s definitely worth the time and effort! Even the simple act of organizing one area of your daily living space each week can make a difference in your energy level and outlook. Whether it’s cleaning out the junk drawer or cleaning out the gutters, taking a step forward in maintaining your home can go a long way. According to Psychology Today, people who take care of their homes also take better care of their general health, so there are even more reasons to start rolling up your sleeves and finding experts who can help you.

For those who build, sell, design or outfit homes, there’s an unspoken professional obligation to set a good example for oth-

er homeowners. However, in the perfect world of white picket fences and freshly painted walls, there’s a long series of chores that can get a little overwhelming, especially when a hectic work schedule or family life overshadows the hours in the day devoted to home maintenance.

If you’re among those who promote the American Dream, but have trouble devoting time keeping their own homes maintained, improved or simply free of clutter, there are resources that can help – and they might be closer than you think. As BIA members, you have direct access to a host of professionals who take pride in what they do. The upcoming Home, Garden & Remodeling Show presented by Window World is a great resource. If you’re not already participating as a vendor, make sure to take advantage of networking at the event to work toward getting your own home in order. (You might reap more than just a healthy home, and come away with a healthier mind and body also.)

Need a fresh start on your landscaping? Want to transform the patio into an outdoor kitchen?

Is it time to finally get those closets organized? Looking to refinish those floors?

Wondering how much you would save with new insulation?

March 18-20

Kentucky Exposition Center, South Wing B & C

For more than 65 years, the Home, Garden & Remodeling Show presented by Window World has been offering the public innovative ideas for taking care of and improving their homes. As BIA members, don’t forget that what works for the public can work for you too! The Home Show offers everyone a great resource for finding experts and products that can help. Cross off the items on your “Honey Do List” with a little help from your fellow BIA members. To find out more about who is going to be at the event next month, visit LouisvilleHomeShow.com.

february 2016 19

Meet BIA Manager of Shows & Events Ally Sauer

By Stacy Smith Rogers

Ally Sauer was recently hired as BIA’s new Manager of Shows and Events. In her new role, she will assist Gail Schell with producing the Association’s events. Sauer comes to BIA with an impressive resume in tourism and event planning and an enthusiasm for the building industry. Most recently, she served as tourism manager for the Evan Williams Bourbon Experience where she promoted tourism and group sales. With experience attending and staffing numerous national tourism trade shows and festivals, she gained insight on developing marketing and educational campaigns to help drive traffic to the Downtown Louisville tourism destination. She worked closely with the Louisville Convention & Visitor’s Bureau and served as a member of its Attractions and Motor Coach Tourism Council.

Sauer has also served as events manager for both Millionaire’s Row at Churchill Downs and the Galt House Hotel. Her career took root in event planning with the Growth Alliance for Greater Evansville (G.A.G.E.) where she gained experience in economic development and creating and managing events in Downtown Evansville, including the Wine, Jazz and Arts Festival, Loft Tours, Main Street Car Cruise-Ins, among others.

“Since I was very young, I created what I called ‘inspiration folders.’ I filled them with pictures and articles of my dream homes, treehouses and landscaping ideas on particular trees, flowers and koi ponds.”

20 louisville builder • bialouisville.com

While in college at the University of Southern Indiana, Sauer worked at Home Depot, but she said her interest in home building began at an even younger age. “Since I was very young, I created what I called ‘inspiration folders.’ I filled them with pictures and articles of my dream homes, treehouses and landscaping ideas on particular trees, flowers and koi ponds. I also collected real estate magazines from places I visited to inspire me and help put a price tag on my ‘grown up’ goals in life.”

In her new role, she will assist Gail Schell with producing the association’s events. Sauer comes to BIA with an impressive resume in tourism and event planning and an enthusiasm for the building industry.

Sauer is excited about her new role at BIA. She brings a well-rounded background, having been introduced to the Association as a vendor at the Home, Garden & Remodeling Show.

In addition to her degree in marketing and communications, Sauer has a minor in studio art and maintains a studio within her home where she said she enjoys painting and creating anything that can get her hands messy. She also enjoys taking care of her flower and vegetable gardens. Her experience and enthusiasm for helping things bloom will surely serve her well as she works to foster growth and vitality within her position at BIA.

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Hometown Banking.

Hometown People.

502-585-4600 • RiverCityBankKY.com

february 2016 21

Financial Forecast and Planning for 2016 Louisville Builder doesn’t have a crystal ball to forecast what’s coming on the financial front in 2016. But we have the next best thing: some of the city’s most respected individuals in lending institutions. Here they offer their candid assessments and predictions of what’s ahead for the building industry.

By Nancy Miller

“The big news in financing is that the game is on again. It seems like our customers are getting excited and talking about projects, and are looking to do new things. We’re finding that most of the requests we’re getting are good, solid requests that we’d like to put on our books,” says Mitch McClain of Peoples Bank Taylorsville. “We never got out of the construction business during the slow and hard times. Now, the customers we have dealt with for several years are bringing in four, five or six requests a year.”

He notes that one of the problems his bank encountered when the market was teeming a few years ago was the number of people who wanted to get into the construction business part-time. “They thought they could build a house because they had watched a house being built,” he laughs. The difference at this point is that the interest is from customers and potential customers who are experienced, professional builders. “If nothing else, the slowdown weeded out some of those individuals who were less desirable.”

David Hobbs of River City Bank believes that gradual in22 louisville builder • bialouisville.com

creases in the prime lending rate could potentially slow down building in general. Consumers may have become used to a depressed borrowing rate for the last ten years and consider it the new norm. However, he emphasizes the excellent borrowing rate of the current environment and stresses it when talking with clients about possible projects.

“We expect that we will do more purchase business in 2016 because buyers have started to realize they will need to move now because rates may become higher later.”

- John Bollman of Commonwealth Bank and Trust.

Republic Bank and Trust came off a very successful year, reports Steve Trager. “We had a great lending year. We grew our loan portfolio almost $300 million, which is significant growth.

A meaningful percentage is still real estate secured, both for residential and commercial,” he says.

Addressing regulations, he says, “I think the regulatory

ting

pendulum swings, so it’s not completely predictable. But I also know that every borrower has recognized the challenge of providing what sometimes seems redundant documentation. It’s up to us and other financial institutions to help borrowers through that process and make common sense of it.”

Disclosure documents were greatly modified under the Dodd-Frank Act, with the final piece becoming official in October 2015. “That has caused some turmoil in the industry,” says Bollman. “Most companies are continuing to struggle with TRID, TILA-RESPA Integrated Disclosure. It does make it easier for the consumer because it’s plain language and it compares the original disclosure to the final disclosure, which was a problem before its enactment. The borrower would receive an original good faith estimate that could differ from the final disclosure, and that caused a lot of consternation. On the other side, TRID takes some flexibility out of how quickly we can close loans,” he says.

Trager agrees that TRID represents somewhat of a sea change in advancing a home mortgage loan to closing. Although TRID has been a challenge for the industry and for borrowers, he sees it as a positive move for the long run.

“The scrutiny that all of us in financial institutions go through with loans requires us to have enhanced documentation for both commercial and residential. We work hard to help our customers through that process,” says Trager.

Ryan Wood of L & N Federal Credit Union, and McClain

concur, saying that the TRID regulations represented huge changes in 2015 and will remain in place this year.

Nothing relating to documents and facilitation of the borrowing process has really changed, according to Hobbs. It’s all about the timing of the transaction, appraisals and title work.

Builders need to submit the same information they have been accustomed to in the past.

“I can tell a consumer how much house they can afford, but I also encourage them to talk to professional builders to find out what it’s going to cost them for what they’d like to build.

There’s a fine balance between what someone can afford and what they’d like,” says McClain.

“For builders seeking financing, most lenders will

require financial statements, the last few years’ tax filings, those kinds of things. Once of the best things out there for us is the Internet. I can just plug in the name of the builder and find out about anything I need to know within 15 or 20 minutes. We used to ask for a list of their suppliers and a list of the homes they have built, but I can get a lot of that information pretty quickly now online.”

- Mitch McClain, Peoples Bank Taylorsville

“As far as lending goes, although we have not terribly loosfebruary 2016 23

Financial Forcasting ened our standards, there’s probably a little more room to go a bit outside than there has been in the past,” says McClain.

Based on growing demand, L & N Federal Credit Union is launching a new residential construction program that will incorporate their recently introduced 5/5 mortgage products.

The 15/15 product will be available for permanent financing after completion of the construction period.

The 5/5 product, which L & N rolled out in 2014 is fixed for five years and is available with 100 percent financing with no PMI. The 15/15 is similar but is fixed for 15 years and offers up to 95 percent financing. Wood acknowledges that there’s uncertainty about rates in 2016 but predicts that these new products will contribute to strong growth for lending and favorable growth for L & N.

“One of my responsibilities is to be concerned. We have to make sure we have learned lessons of the past, which was not that long ago. There is some robust activity going into 2016. We see a lot of very good opportunity out there. Even though rates have ticked up a little bit, they support the economic model for real estate investing.”

- Steve Trager, Republic Bank and Trust

How will the upcoming presidential election impact financing? “The election may affect the decisions consumers and businesses make, but from a bank’s standpoint, I don’t think the election will affect business as a whole,” remarks McClain.

“The interest rate hike we recently experienced and whether the Fed chairman will continue a progressive movement have to be figured into the equation. We have always been very builderfriendly, and we’re staying the course. As long as we have a slow increase in rates and not a very aggressive tack or significant increase in inflation, I think we will have a prosperous 2016,” says Hobbs.

His 2016 plans include being very actively engaged in home construction projects. “We are also partnering with BIA for Homearama and are offering excellent financing packages for builders who are involved in Homearama this year. We welcome anyone who has not worked with us in the past to give us that opportunity,” he says.

Hobbs says the pipeline at Peoples Bank Taylorsville is as full as it was anytime last year, boding well for this year. Also, his conversations with builders, real estate agents and borrowers reflect an optimistic view as to what the new year will hold.

24 louisville builder • bialouisville.com

Financial Resolutions for 2016 courtesy of Logan Lavelle Hunt • Create emergency savings.

• Put aside six to eight months of expenses in an easily accessible cash-equivalent account.

• Keep separate “buckets” of savings for short-, medium-, and long-term goals and leveraging tax-advantaged accounts.

Make retirement plan contributions regularly (instead of all at once).

•“Time in the market” is critical to long-term investing success. Instead of waiting until the last minute to make annual contributions, give your money more time to grow by making automatic contributions to your accounts every month.

Maximize retirement plan contributions.

• Tax-managed retirement accounts are one of the most powerful ways to save for a comfortable retirement. Contribute as much as you can each tax year. Max out employer-sponsored plans first to take advantage of any matching contributions your employer may offer.

• Pay down high-interest debt.

• Review your estate planning and legal documents.

• Review the beneficiaries of your financial accounts and insurance policies.

• Protect your credit and identity.

• Review your tax strategies for potential savings.

• Involve your loved ones in your finances.

• Keep your resolutions! One study found that people keep just eight percent of their New Year’s resolutions. Improve your chances by making your goals simple, concrete and actionable.

Instead of saying, “I will save more for the future in 2016,” say, “I will contribute $4,500 to my retirement accounts by December 31, 2016” or “I will pay off $2,000 of credit card debt by April 15.”

July 16th-31st

BBBBBBBB

Your 2016 Homearama Builders: NORTON COMMONS:

GCCM Construction Services, LLC Sy Safi Lot N227

Traditional Homes | Colin Osborn Lot N204 Lancaster Built Homes, Inc. / Limestone Builders |Patrick (P.R.) Lancaster Lot N205

CastleBuilt Homes | Brian Arnold Lot N228 The Ramage Company | David Ramage Lot N231

Landis Homes, LLC | David Landis Lot N206

Burrus Architecture & Construction, LLC | Gregg Burrus Lot N266

Provence Properties/J P Waller Design Group LLC | John Waller Lot N207

Meridian Construction, LLC David Weis Lot N267

Simpson Builders, Inc. |Mark Simpson Lot N208

P.L. Lyons Architectural Builders Perry Lyons, Adam Gallagher Lots N268, N269

Mason Construction & Development, LLC | Dan Perkins Lot N209

RiveR CReST

Artisan Signature Homes, Inc. Jason Black Lots N210, N224

Jack Band Builder, Inc. | Jack Band Lot 505 Clifford Thieneman Co., LLC. Clifford Thieneman, Pete Thieneman Lot 506

Stonecroft Homes | David Lutes Lot N216 Michael O’Dea, Builder |Mike O’Dea Lot N217 Provident Homes | Jeremy McGraw Lot N218

Dogwood Homes of Kentucky, LLC Richard Miles Lots 507, 515 Hester Home Builders | Kerrin Hester Lot 508

Miter Construction LLC | Fred Andres Lot N222

Lancaster Built Homes, Inc. Patrick (P.R.) Lancaster Lot 510

Mastercraft Homes, LLC Dan Swigart, Joe Kroll Lots N223, N229, N271, N272

Stonelake Homes, LLC | Dan Smith Lot 512

Leo Thieneman & Sons, LLC Leo Thieneman, Sr., Leo Thieneman, Jr., Mike Thieneman Lots N225, N230, & N271

CDF Builder, Inc. | Daniel Greenwell Lot 513

Paragon Homes, Inc. | Scott Yates Lot N226

Stoyell Homes, LLC | Chad Stoyell Lot 514

Presented by:

Homearama.com /HomearamaLouisville Insta

#homearama

/HomearamaLouisville

february 2016 25

All-Time Big Spike 1500d John Miranda, Pinnacle Properties of Louisville ........... 2775

Grand Spike 1000d Ellery Esposito, Esposito Construction, Inc. ................. 1252 Robert L. Eberenz, Jr.,

Robert L. Eberenz Jr., Builder, LLC....................... 1191 Stanley G. Logan, Jr.,

Logan Lavelle Hunt Insurance, Inc. ...................... 1186 Richard S. Buttorff, The Buttorff Company ................... 1068 Joe Pusateri, Elite Homes, Inc. ...................................... 1034

Statesman 500d Robert Welch, Welch Builders, Inc. ................................. 888 Keith Eberenz, Keith Eberenz, Builder ........................... 841 James R. Skaggs, Omikron Construction Co. -Honorary.822 Robert A. Peterson, Jr., Robert A. Peterson, Jr., Co. Inc. .. 799 Michael L. Montgomery,

MONTCO Builders, Inc. -Honorary....................... 768 Robert H. Marrett, CMB Development Co. ................... 713 Bill Reisert, Sr. , Reisert Insurance Agency ...................... 706 Dale Hellmann, Prudential Heating and Air................... 664 Glen E. Stuckel, Glen E. Stuckel Builder, Inc. ................ 586

400d A. Thomas Sturgeon, Sturgeon & Associates Inc. ............ 498 Fred R. Dallenbach, Dallenbach Builders, Inc. ................ 473 Richard Eberenz, Richard Eberenz, Builder -Honorary... 446 Rusty Wessel, Wessel Insurance Agency, Inc. .................. 440 Stan Humphrey, Stan Humphrey Construction............... 438 Clete Reinhart, Reinhart Construction Co. ..................... 433 Bob Thieneman Jr., Estate Homes.................................... 423 Richard Miles, Dogwood Homes of Kentucky................. 400

Super Spike 250d Tom Raver, Fireplace Distributors.................................... 390 Carl Baker, Sterling Development Corp. ......................... 369 Richard Bean, B B & T, retired......................................... 367 Jeremy Esposito, Esposito Construction........................... 345 Michael “Rocky” Pusateri, Elite Homes........................... 308 William (Bill) Wilkinson, Wilkinson Builders, Inc.......... 308 Don Petty-Honorary........................................................ 303 Pat Thieneman-Seitz, Thieneman-Seitz Builder .............. 291 Billy Doelker, Key Homes................................................ 288 Clifford Thieneman, Clifford Thieneman Co. Inc. ........... 273 Leo Thieneman, Sr., Leo Thieneman Co., Inc. ................. 254 J. Robert Westerman,

J. Robert Westerman Builder -Honorary.................. 253 Jesse Francis, Francis & Company.................................... 251

Trophy - 200 Steve Church, Logan Lavelle Hunt Insurance................. 244 Scott Jagoe, Jagoe Homes................................................. 233 Teresa Morgan, Semonin Realtors................................... 232 Roger Plamp, Plamp-Keen Agency, Inc. ......................... 231 Greg Esposito, Greg Esposito Contractor. ...................... 222 Roger Bright, ADC-honorary.......................................... 220 Pat Durham, Pat Durham Bldr, Inc. ................................ 206

Royal Spike - 150 Lafe McGary, The Remodeling Company........................ 199 Roger Harbison, Cornell Harbison Excavating................ 198 Steve Deneen, Builder...................................................... 195 Dave Smith, Blacksmith Homes ..................................... 194 David Lurding, Lurding Homes...................................... 193 John F. Pohlman,

John F. Pohlman Builder, Inc. -Honorary................. 167 Robert L. Eberenz, Sr.,

Robert L. Eberenz, Inc. -Honorary.......................... 154 John Thomas, K-I West Roofing & Siding Division........ 153 Jack Band, Jack Band Builder, Inc. ................................... 151

Red Spike - 100d Charline Neal, Primerica Financial Services..................... 148 Sherrie Kruse, First Capital Bank..................................... 146 Scott Yates, Paragon Homes ............................................ 144 John Barlow, Commonwealth Designs, Inc...................... 143 Jerry Blacketer, The Blacketer Co...................................... 134 Mike Isaac, Isaac Contracting & Design ......................... 132

26 louisville builder • bialouisville.com

Don Karem, Karem Built Homes, Inc.............................. 128 John Rueff, Brecher Co..................................................... 117 Perry D. Lyons, Perry D. Lyons Builder........................... 116 Kevin Passanisi, PC Home Center................................... 116 Bruce Rademaker, Thoroughbred Associates, Inc. ........... 114 John Lannert, Lincoln Insurance Agency......................... 107 Leo Thieneman, Jr., Leo Thieneman & Sons, LLC.......... 107 Sidney J. Anderson, S.J. Anderson Builder, Inc. ............... 106 Robert D. Ford,

R. Ford Construction Co., Inc. -Honorary............... 100

75d Shawn Corrigan, Corrigan Electric.................................... 98 Terrance O’Rourke, O’Rourke & Associates ..................... 97 Robert Osborne, RPO Custom Homes & Remodeling..... 92 Ron Wolford, Ron Wolford Builder, Inc. ........................... 87 Joe Dumstorf, Trend Companies of Kentucky.................... 86 Mike Jones, Signature Green Properties, LLC................... 85 Willard Bryant, Bryant Construction, LLC....................... 84 J.D. Nichols, NTS Corporation ......................................... 84 Michael O’Dea, Michael O’Dea Builder............................ 80 Carol Daugherty Epley, Daugherty Insurance Agency ...... 76 Jeff Thompson, Jeda Homes................................................ 75

Green Spike - 50d Brendan Kavanaugh, Door Store & Windows................... 72 Mark Aschbacher, Lincoln Insurance................................. 69 Ron Hartman, Ernst Concrete. ......................................... 67 Rocco Pigneri, Ball Homes................................................. 66 David Mikels, Graber’s Insealators..................................... 62 James Pope, Nicklies Development.................................... 58 Ken Thieneman, Ken Thieneman Builder........................... 58 Davis Boland, Boland Maloney Real Estate....................... 57 Christopher J. Knopf, Pinnacle Properties of Louisville .... 56 Ron Colyer, Colyer Construction....................................... 55 Frank Arnold, Prudential Heating & Air Conditioning ... 55 Jim Travis, Jim D. Travis, Builder ...................................... 55 Derek Smothers, Quality One Steel Design Inc................ 55 David Ernst, Prestige Builders............................................ 54 Chris Cundiff, Logan Lavelle Hunt Insurance................... 53 Deepa Kamat, Granite America......................................... 52 Louis Hagan, Central Bank of Jefferson County................ 52 David Monsour, Monsour Builders.................................... 50

Life Spike - 25d Phil Fackler-Fackler Homes............................................... 49 Jerry Ostertag, Closet Factory............................................ 49 Penny Love, Design Innovations, Inc................................. 47 Paul Miele, K-I Lumber & Building Materials.................. 45 P.R. Lancaster, Lancaster Built Homes.............................. 45 Dave French, LG&E.......................................................... 44 David Rateau, Rateau Construction .................................. 44 Greg Schrenger, Schrenger Construction .......................... 43 Melanie Pearson, Logan Lavelle Hunt Insurance............... 43 Phillip Wayne Leigh, Phillip Leigh, Inc............................. 40 Mike Effinger, Effinger Construction................................. 40 Mike Sanders, Mike Sanders Builders................................ 40 Jason Black, Artisan Signature Homes............................... 39 Sandra Povey, BB&T.......................................................... 38 Mike Hall, K-I Lumber & Building Materials ................. 37 Ben Tyler, Ben Tyler Building & Remodeling ................... 37 John Sizemore, 2-10 Home Warranty................................ 37 David Stemler, PC Home Stores........................................ 36 Brandon Bailey, Bailey Remodeling................................... 35 Larry Link, Bonnycastle Appliance & TV......................... 32 Dan Smith, Stonelake Homes ........................................... 32 Mike Judah, Judah Real Estate .......................................... 31 David Bright, Bright Built Homes..................................... 31 Renotta Henson, Victory Home Builder ........................... 30 Vince Kimbel, Kimbel Construction.................................. 30 Dan Anthony, Boral Brick Products................................... 30 Carolyn Miller, Sure Linc Services..................................... 30 Ben Peerce Swindler, Ben Peerce Swindler, Builder .......... 29 James French, J & L Construction..................................... 29 Ryan Miranda, Churchill McGee....................................... 28 Todd Hemmer, Lee Brick & Block................................... 28 Joe Simms, Re/Max Associates.......................................... 28 Roger Hack, MRC Construction....................................... 27 Terry Hagerman, Terry Hagerman Builder........................ 27

Ron Fonk, Woodfield Homes............................................. 26 Douglas Amlung, Amlung Construction Company............ 26 Kari Vogedes, Logan Lavelle Hunt Insurance.................... 26 Delbert Mulhall, Delbert Mulhall & Sons, Inc. ................ 26 Clifford (Pete)Thieneman, Clifford Thieneman Co, LLC.. 26 Lisa Lynn Knight- Lisa Lynn Designs............................... 26

Spike - 6d Jason Orthober, Orthober Custom Homes........................ 23 Lisa Steinbock, Steinbock Interiors LlC............................ 22 JP Delaney, Logan Lavelle Hunt Insurance........................ 21 Dennis Montana, Lawn Care Co., Inc. .............................. 18 George Miller, Suburban Construction & Management.... 16 Jarrod Vowels, Dominion Homes....................................... 16 Andrew Holden, Commonwealth Bank & Trust............... 15 Steve Purdy, Prudential Heating & Air.............................. 14 Chad Peyton, Peyton Contracting, LLC............................ 14 Joe Kroll, Joe Kroll Builder................................................. 14 Bob Duggins, Kenutcky Concrete...................................... 13 Palmer Cole, Bently Construction...................................... 13 Howard Ferriell, H. D. Ferriell, Inc.................................... 12 Scott Church, Logan Lavelle Hunt Insurance.................... 11 Donald Wirtzberger, Sierra Design & Construction.......... 11 Kevin Rich, Rich Design Studios....................................... 10 Rick Merritt, Denton Floyd Development........................ 10 Bill Bardenwerper, Bardenwerper, Talbot & Roberts, PLLC.9 David Richardson, David Richardson Builder...................... 8 Mickey Corcoran, Mickey Corcoran Builder....................... 8 David Westfall, Homework Residential Renovations, Inc.... 8 Greg Burrus, Burrus Architecture & Construction, LLC.... 8 Larry Hobson, Louisville Paving.......................................... 8 Steve Sebastian, Sebastian Construction Inc........................ 7 Amy Wagner, Reflections of You By Amy, LLC.................. 7 Mike Danzinger, SB Home Renovations............................. 6 John Marshall, Elite Homes Inc........................................... 6

Warm Friends. Always There.

RESIDENTIAL

COMMERCIAL

INDUSTRIAL PROPANE Serving Kentucky and Southern Indiana

1-888-427-4569 www.bennettgas.com

membernews

associatescommittee

corner Logan Lavelle Hunt Welcomes New Senior Account Executive to Their Team

On January 18, Logan Lavelle Hunt welcomed Greg Nalley as a Senior Account Executive to their insurance team.

Logan Lavelle Hunt is a leading force in the insurance industry with 7 locations in Kentucky and Indiana. The company offers all lines of insurance as well as wealth management and bonds. Originally founded in 1919 as Lavelle Insurance Agency, Logan Lavelle Hunt continues to grow both organically and through hiring individuals such as Nalley.

Nalley joins Logan Lavelle Hunt with over 11 years of selling commercial, personal, life and health insurance products throughout Kentucky, Indiana, Ohio and Tennessee. He started out his insurance career as a Commercial Sales Manager at Liberty Mutual where he was a “Liberty Leader” his first year in the insurance business – an award given to only the top 5% of their sales force. He went on to become an independent agent and worked with 2 other agencies before joining Logan Lavelle Hunt. His experience in commercial insurance includes rental properties, apartments and restaurants.

ENTERPRISES

Bobcat Equipment, Toro Dingo Equipment Cronkhite Trailers

502-245-1911 1-800-4BOBCAT bobcat-ent.com

RENTAL • SALES • SERVICE • PARTS

Table Top Night is February 16

Has your company reserved your booth for the Table Top Night on February 16? We are filling up fast, so if you would like a spot please call Dawn Agnew or Vickie Miller in Member Services today! A booth space is $245, which includes a skirted 8’ table to display information on your services and products. This is a wonderful opportunity to connect with Builders and Commercial Contractors oneon-one. BIA invites the Builder members to attend as our guests for this event. Take adavantage of this opportunity to make connections with our Associate members throughout the night.

Builder Members – if you have not RSVP’d yet please contact Dawn or Vickie as well so we have your name at check in. Most importantly, we need your name to enter to win the cash prizes for Builders that night!

BIA will also do Associate Member Drawings throughout the night. There will be a free Table for the 2017 Table Top given away as well! Please don’t miss your opportunity to let BIA help connect you to your next customer. You can call us at 502-429-6000 or email membership@bialouisville.com.

We look forward to seeing everyone on Tuesday, February 16th from 4:00pm-7:30pm for Table Top Night, held at the Ramada Plaza Louisville. february 2016 27

newmembers Registered Builder Approved 12/15 Randy Freeman Sponsor: Bob Marrett Associate Builder/Remodeler Approved 12/15 Justin McElfish Sponsor: Pat Durham Associates Approved 12/15 Reid’s Mechanical Co. Bryan S. Reid Type of Business: Mechanical Construction Sponsor: JP Delaney Jefferson Development Group, Inc. Sally Judah Type of Business: commercial developer Sponsor: Pat Durham Quality Contracting Inc Connie Hurst Type of Business: Property Maintenance, drilling Sponsor: Art McMahan Signarama Louisville Wendy Graves Type of Business: Signs & Banners Sponsor: Kevin Passanisi Movement Mortgage Fred Duff Type of Business: Mortgage Company Sponsor: Rob Eberenz Jr. California Closets Anthony Seitz Type of Business: Storage Solutions Sponsor: Jeremy Esposito

K&K Industries Inc. Brad Kirkman Type of Business: Building Materials Manufacturer Sponsor: Kevin Passanisi Reid’s plumbing of Bardstown Inc. Danny Reid Type of Business: plumbing Contractor Sponsor: Stan Logan HMI Cardinal Jeff Kuehl Type of Business: Shower Door Enclosures Sponsor: Don Karem Estes Waste Solutions Bill White Type of Business: Waste Solutions Sponsor: John Miranda Shelter Insurance Kathryn Powell Type of Business: Property & Casualty, Life & health Sponsor: John Miranda Electrical Solutions Inc. J. Scott Fletcher electrical services Sponsor: Michael O’Dea Affiliates Approved 12/15 Mike Mudd Semonin Realtors Sponsor: Teresa Morgan Kelley Dearing Smith Louisville Water Company Sponsor: Anthony Hewitt

membermilestone Congratulations to these Milestone Members. These members have reached a milestone mark in their membership with their renewal in December.

30 Years Steve Deneen – Registered Builder 25 Years Action Landscape, Inc. – Gerald Heuke 20 Years Bramer Sod Farms, Inc. – Michael Bramer 15 Years Matt Ridge – Registered Remodeler Invisible Fence of Greater Louisville – Carol Whetzel Higdon Paint & Ladder Inc. – Randall Higdon T.L.S., Inc. DBA Turf & Landscaping Services – Anne Pfeiffer Gresham, Smith and Partners – Jon Henney 28 louisville builder • bialouisville.com

10 Years L & M Tile, Inc. – Greg Mattingly Patrick Pollard – Associate Builder Remodeler Keith Baker Electric, LLC – Keith Baker Kentucky Farm Bureau Insurance – Shelby County – Pat Hargadon Baughman Building Materials, LLC – Richard Baughman Vittitow Cabinets, Inc. – David J. Clark David Ramage – Associate Builder Remodeler 1 Year Pettit Environmental Inc. – Douglas Maurer BCS Cabinets – Bernie Smith Semper Tek, Inc. – Scott Matheny Americans for USA, Inc. – Vince Kimbel Lloyd & McDaniel, PLLC – Andrew Stosberg Dirt Design Construction – Crystal Robison PBI Bank – Cliff Radin Joash, Inc. – Joseph Scott

honorroll

As of January 1, 2016

Builders: Blacketer Company

Clifford Thieneman Co., LLC Associates: 1st Choice Insulation A&G Drywall, Inc. Architectural Windows & Doors Bachman Commercial Sales Bardenwerper, Talbott & Roberts BB&T Bonnycastle Appliance & TV Carpet Specialist Century Mortgage Company Corrigan Electric and Home Systems Cunningham Door & Window

Quarry Bluff Estates Republic Bank River City Bank RJ Thieneman Sam Kinnaird’s Flooring and Granite Screens of Kentucky Sonne Steel The Trend Companies of Kentucky Triton Stone Group Wells Fargo Home Mortgage Window World

Door Store and Windows Fifth Third Bank Fireplace Distributors, Inc. Frost Brown Todd, LLC K-I Lumber & Building Materials L & N Federal Credit Union Logan Lavelle Hunt Insurance Louis E. Hobbs Construction Co. Inc. McDonald Marble & Stone Inc. PC Home Center PPG Paints Pro-Build

A special thanks to all Honor Roll Members!

For more information on how you can be listed on the BIA Honor Roll, please call Kimberly at 429-6000.

corporatesponsors Special thanks to these 2016 BIA corporate sponsors:

KI

Custom Mail Boxes • Street Signs Cluster Box Units • Condos • Multi-Units

DWB Restoration II, Inc. Fire-Water-Wind-Storm 24hr Emergency Service

DON DUGGINS | GREG DUGGINS 1116 Ulrich Avenue Louisville, KY 40219

502-966-5774 FAX 502-966-5462 email: sales@dugginsco.com www.dugginsco.com

Mailing Address: 3107 Pinoak Dr. LaGrange, KY 40031

(502) 241-6990 office (502) 241-6992 fax contact@dwbrestoration.com

february 2016 29

calendarofevents

February 2

New Member Orientation 9:00 a.m. @ BIA

2

Membership Committee 10:00 a.m. @ BIA

2

Retention Committee 11:00 a.m. @ BIA

9

2016 Economic Outlook 7:30 a.m. – 11:30 a.m. @ U of L

10

Land Development Committee 10:00 a.m. @ BIA

16

Table Top Night 4:00 p.m. – 7:30 p.m. @ Ramada Plaza Louisville

18-19

HBAK Winter Board Meeting Bowling Green, KY

24

Executive Committee Meeting 11:30 a.m. @ BIA

25

Codes & Standards Committee 11:00 a.m. @ BIA

March 1

Membership Committee 10:00 a.m. @ BIA

1

Retention Committee 11:00 a.m. @ BIA

2

Land Development Committee 10:00 a.m. @ BIA

3

Sales and Marketing Council 9:00 a.m., Big Springs Country Club

8

Shelby County Council 11:30 a.m.

9

Associates Committee 3:00 p.m. @ BIA

18-20

Home, Garden & Remodeling Show Kentucky Exposition Center

24

Codes & Standards Committee 11:00 a.m. @ BIA

30

Executive Committee Meeting 1:00 p.m. @ BIA

30

Board Meeting 3:00 p.m. @ BIA

31

Oldham County Council 11:30 a.m. @ John W. Black Community Center

30 louisville builder • bialouisville.com

advertiserindex Bennett Gas........................................... 26

Bobcat Enterprises................................. 27

Bonnycastle Appliance & TV.................. 17

Carpet Specialist.................................... 18

The Door Store & Windows.................. 16

Duggins’ Co. Inc.................................... 29

DWB Restoration II.............................. 29

Fireplace Distributors............................ 17

K-I Lumber & Building Materials.........ifc

L&N Federal Credit Union...................obc

Logan Lavelle Hunt.............................. 25

Lowes...................................................... 4

PC Home Center................................... ibc

PPG Paints........................................... 17

River City Bank.................................... 21

Sims Loham........................................... 12

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february 2016 31

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