Northern Kentucky Builder - September 2014

NORTHERN KENTUCKY

September 2014

The Official Publication of the Home Builders Association of Northern Kentucky

Take a look inside at one of the HBA’s Signature Events - Preview Night a HBA member event celebrating all the partners that come together to make Homefest amazing!

All the Homefest 2014 fun starts on page 16!

www.HomeBuildersNKY.com www.facebook.com/HBANKY

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The mission of the Home Builders Association of Northern Kentucky is to promote and enhance the integrity and visibility of the construction industry and the members of the organization through advocacy, communication, education and political action.

The Northern Kentucky Home Product and Service Buyers’ Guide is a special edition of the Northern KY Builder. Northern Kentucky Builder™ is an official publication of the Home Builders Association of Northern Kentucky, 2751 Circleport Drive, Erlanger, Kentucky 41018. It is published in the interest of the Northern Kentucky building industry and read by home builders, remodelers, general contractors, developers, engineers, bankers, Realtors,® architects, material dealers, subcontractors and manufacturers. All rights reserved. Copying or reproduction without the expressed permission of the Home Builders Association of Northern Kentucky is strictly prohibited. phone 859.331.9500 or fax 859.578.3393 email homebuilders@hbanky.com 2014 Board of Directors James Kegley, President Adam Chaney, Immediate Past President Jason Yeager, Vice President Tom Spille, Secretary/Teasurer Walt Dunlevy, Associate President Art Fischesser, Associate Vice President Paul Metzger, Land Development Council President Jennifer Hennessey, Sales & Marketing Council President Phil Drees, Builder Director Bill Cullen, Builder Director Steve Brunson, Associate Director Beth Aderholt-Grindley, Associate Director Brian C. Jones, Associate Director Patrick Townsend, Associate Director

The Home Builders Association of Northern Kentucky is open to the world, visit our web site for up-to-date information on HBA services and programs, including extensive public referral directory to Registered Builders, Registered Remodelers and Associate Members.

INSIDE THIS EDITION...

4 . . ...... Letter from Brian Miller, Exec. Vice President 5 . . ..........................................Membership Update 5 . . ............................... HBA Fall Membership Drive 6 . . .......5th Annual Dewey Newport Associate Council

Scholarship Fund Outing 9 . . .................. The Supreme Court Strikes Down the

President’s Appointments to the NLRB

and Casts Hundreds of Board Decisions

into Doubt: What it Means for You 12..................................... Millennium Club Update 14....... Autumn 2014 Continuing Education Schedule 15 ......................... Another Great Year at Homefest 16 ................................... Realtor Day at Homefest 18 .......................................... HOMEFEST Preview 26.................... Northern Kentucky Building Permits 27............................................ Calendar of Events

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MEMBER MIX AND MINGLE

Tuesday, September 16, 2014 5:30 - 8 p.m.

Hosted by Arcadia, Fischer Homes 7668 Arcadia Blvd., Alexandria, KY

Join us at the SMC Member Mix & Mingle! It’s a great opportunity to network! FREE EVENT! Appetizers & Beverages provided - Door Prizes Reservations Required by Friday, September 26, 2014 Call (859) 331-9500 or e-mail janisbeard@hbanky.com

IT’S FREE TO ATTEND, SO BRING A FRIEND!

Think Outside the Box.

HBA Staff Brian A. Miller, Executive Vice President Janis Beard, Membership Director Melanie Meyer, Director of Shows & Events, Sales & Marketing Shawn Cox, Director of Professional Development Dan Smith, Director of Finance Holly Woodring, Administrative Coordinator

September 2014

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THEY CALLED IT NETWORKING If you search the internet for “networking” you will find a myriad of different takes on the word. With today’s technologically savvy world the name has come to mean hooking up computers to a central storage device or wirelessly. Sounds fascinating! In business “networking” can mean a number of things.

In sales it is compared to cold calling or prospecting. At the HBA “networking” is creating peer to peer relationships. These relationships can result in long lasting mentoring opportunities. They can be as simple as a way to solve a problem or a better way to approach difficult business situations.

There are stories of builders at the HBA sitting down with other builders, even their competitors, to help them create solutions to improve floor plans, business practices, and sales approaches to help them sell more homes. That is a special relationship between members that you just don’t see in many other organizations. We also have groups that work in different fields in the construction industry that create business relationships to solve issues. Our Land Development Council, Sales & Marketing Council, Remodelers Issues Committee and Associates Committee are just those types of specialized groups that help our business professionals gain industry knowledge in their specialized part of our world.

In order to encourage these relationships the HBA has created and continues to improve on existing and create new opportunities for you to strike that bond with your peers and learn from one another. Many come in the way of social functions such as our Table Top Night, Mix and Mingles, Annual Golf Outing, Annual Sporting Clay Shoot, Homefest Preview Party, Annual Holiday Party and Inaugural, Builder/Realtor Bash, Economic and Housing Updates, Sales Seminars, PAC Fundraisers, six Land Development Council Luncheons, and our brand new BBQ Hoedown and Throwdown.

Establishing these business to business relationships is the number one value that the vast majority of our members tell us they need. At the same time, while we have ample business to business events to participate in it takes true participation to benefit.

To that end, the HBA Leadership has created innovative ways to make that process easier. When attending a B2B event take special note that our builder members either wear a different color nametag or have a ribbon signifying them as a builder member. At the same time, if you have joined in the last year we have “New Member” buttons for you. Our leadership and active members are some of the most welcoming business professionals you will meet. If you signify yourself as a new member you will be surprised how many new business relationships you will form as our Leadership and goes out of its way to connect you with your peers to get you started on your long successful journey at the HBA. If there is anything we can do to help you meet other business professionals at the HBA please contact us. Your HBA Leadership and staff are always open to new ideas as any new idea is taken right to our Executive Committee and thought out to investigate how we can help you grow your business and connect you with your customers and business peers.

Sincerely,

Brian A. Miller, Executive Vice President Home Builders Association of Northern Kentucky

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MEMBERSHIP UPDATES

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MISSING IN ACTION

NEW MEMBER ORIENTATION

If you do business with any of the missing members, please encourage them to get back in the action at the HBA!

New Member Orientation is not only for the new members who are recruited throughout the year, but also for members who have never attended a New Member Orientation. If you have a new representative, encourage them to attend one of these orientations. They will be amazed at the benefits and services the Home Builders Association provide for their members. The next New Member Orientation will be at the Home Builders Association office, on September 23rd at 3:30 pm.

1st Call Home & Business Services A & D Home Services America’s Floor Source Anchor Way/Servicemaster by Adams Aquatic Pool Plastering Blue Linx Brower Insurance Agency Dal Tile Egbers Land Design, Inc. EmbroidMe Griffin Contracting & Restoration Paul Hemmer Company Huff Realty KDM Concrete Construction Ohio Valley Flooring Sacksteder’s Interior Schreiber Decorating, Inc. W. Stephens Cabinetry & Design Vittetoe Interior Design

NEW MEMBER PROFILE Lisa Williams, Marketing Rep. with Cosmopolitan Title Agency My favorite thing to do when I’m not working is: I enjoy spending time with my family and daughter. My reason for belonging to the HBA of Northern Kentucky: Looking forward to getting to know members and developing a business relationship. Something unique about my company is: Cosmopolitan Title offers rush orders and 24 hour service.

WELCOME BACK We are truly happy to have your support and membership! The following companies are once again members of HBANKY. T. Lenhof Painting Patrick’s Custom Hardwood Flooring

FALL MEMBERSHIP DRIVE CONTINUES!

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he Fall Membership Drive which is usually is a two day event will run for the month of August thru September 18th. That gives you approximately 6 weeks to promote HBA Benefits to fellow non-member colleagues. Once you have bagged your new member, plan to bring your applications along with membership dues to the HBA Fall Membership Celebration Luncheon on September 18th at the HBA Office at Noon. If you have not quite bagged your prospect, invite him to the Celebration Luncheon. A Top Recruiter prize will be awarded along with other prizes for this event.

You might say “What are the benefits of HBA Membership? First of all, evaluate how you benefit from your HBA membership and relay that information to your prospect. Here is a list of HBA Benefits that you might not be using, but would certainly benefit your potential prospect: • Discounted Insurance – Health and Worker’s Compensation • Discounts on Verizon Wireless monthly access fees and equipment • Discounts at Staples, Avis, Hewlett Packard, Office Depot, FTD Yellow Freight • Super America Fleet Service discounts on gas and oil changes • Lowe’s 5% Business Discount plus 2% HBA Member Discount • $500 discount on a GM car or truck • Ability to find Skilled Employees through the Enzweiler Apprentice Training Program

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Expanding market exposure through consumer shows and business to business events Legislative & Government Affairs Advocacy Access to the Most Successful, Influential and Powerful Business People in Your Area Fun social events such as: Member Mix & Mingles, Annual Golf Outing, Annual Elk Creek Outing, Table Top Night, Associates BBQ Throw Down & Hoedown, HomeFest Preview Party, Holiday/Inaugural Dinner

These are just a few of the benefits HBA Members enjoy. Start now and make your list of fellow colleagues who would like to reap these benefits too. Membership application s can be found at www. homebuildersnky.com or by calling Janis Beard, 859-331-9500. During the Membership Drive, the $45 application fee will be waived.

Don’t know if your prospect is already a HBA member? Go to the HBA website, www.homebuildersnky.com and look at the Find a Member tab. You will find all current members listed there. Oh, by the way, each HBA membr receives a free listing on the HBA website… another great benefit!

Don’t delay….start on that list today! Membership is the life blood on the HBA. Assist us in keeping your Association strong by recruiting a new member.

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l 5th Annual Dewey Newport Associates Counci

Fund Outit!ng ScholarshDoip uble Barrel Excitemen Don’t Miss This

Elk Creek Sporting Clay Shoot, BBQ & Wine Tasting Elk Creek Hunt Club, 1860 Georgetown Rd., Owenton, KY R NG SPONSO PRESENTI

Thursday, September 11, 2014

Afternoon Shoot - $110 per person or $440 per Foursome 11:30 am – Registration & Lunch Registration fee includes 50 clays, cart, ammunition, safety training, lunch, dinner and wine tasting.

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portunitie Sponsorship Op Dinner Sponsor Door Prize Sponsor Wine Tasting Sponsor

her at 859.331.9500 or email Call Melanie Meyer, day. re your sponsorship to cu se to m .co ky an hb melaniem@

Craig Jobe, Jobe & Company, Inc.

Individual Non-Shooter - $40 Join us for a lovely lunch, dinner and wine tasting in the beautiful rolling hills of Owen County.

Station Sponsorships Available - $80 All proceeds benefit the Dewey Newport Associate Scholarship Fund which provides scholarships for needy students in the Enzweiler Training Program. The proceeds from the 2013 Elk Creek Outing provided three scholarships for students who will be attending the Enzweiler Training Program in 2014.

Sponsorship includes: • Prominent Signage at station and recognition in BUILDER Magazine • Exposure to shooters and members attending the event Dewey Newport Associate Apprenticeship Scholarship Gun Raffle - The Associate Committee will raffle off a CZ Redhead Deluxe 20 gauge Over/Under Shotgun valued at $1200.The shotgun is being provided by special assistance from Glauber’s Sports in Carrollton, KY. To purchase your tickets, contact Janis Beard at the HBA Office. Associate members will also be selling these tickets. Tickets will be sold at the Elk Creek Outing. All proceeds will benefit the Dewey Newport Scholarship Fund. Don’t miss this opportunity to win a first class shotgun like Craig Jobe did last year!

Let’s Go Shoot Some Guns & Drink Some Wine!

Reservations are a must! Reservations to shoot must be received by August 28th. No cancellations after August 28th. Call Janis Beard, 859-331-9500 to reserve your station sponsorship or to make reservations to shoot.

•

Lunch Sponsored by

for your commercial needS call uS firSt

BoB wheeler, commercial SaleS manager BoB.wheeler@jeffwyler.com ph. 859-525-8001 / c. 513-728-9174 1154 Burlington pike, florence, ky 41042

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LEGAL ALL-RITE READY MIX

The Supreme Court Strikes Down the President’s Appointments to the NLRB and Casts Hundreds of Board Decisions into Doubt: What it Means for You

“Where Quality and Service Save You Time and Money” Florence, Kentucky 139 Aristocrat Dr. (859) 371-3314 Aurora, Indiana 10513 Morgans Branch Rd. (812) 926-0920 Wilder, Kentucky 108 Williams Way (859) 572-9951 Harrison, Ohio 7466 New Haven Rd. (513) 738-1933 Port Union, Ohio 5259 Rialto Road (513) 860-5111

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Written by Nick Birkenhauer, DBL Law

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n June 26th, 2014, the U.S. Supreme Court ruled that President Obama lacked the authority to make three recess appointments to the National Labor Relations Board (NLRB). This means that all decisions made between January 9th, 2012 and July 30th, 2013 are now cast into doubt, and the new NLRB appointees must reconsider hundreds of cases.

Since the new NLRB consists of three union and two management-side representatives, it is unlikely the new NLRB will rule differently than the old. Regardless, more than 200 of the 800 cases decided between January 9th, 2012 and July 30th, 2013 must now be reconsidered. Some examples of decisions that could now be reversed are: • When employers can discipline employees for postings on social media sites; • the prohibition on employers requiring employees not to discuss internal human resources investigations into employee misconduct; • the expanded scope of disclosure of witness statements to unions; • the requirement that employers reimburse employees who pay higher taxes as a result of a back pay award; • the requirement that employers continue dues check-off following the expiration of a collective bargaining agreement; • the NLRB’s past disregard of employers’ arbitration provisions; • the addition of strong pro-labor language to NLRB orders; and • allowing unions to charge lobbying expenses to Beck objectors who do not pay dues but who pay an agency fee.

The impact for employers is that many cases which were previously binding, established precedent have now been called into question. The NLRB must now reconsider these cases and issue new decisions. Given the current uncertain state of the law, especially in the ever-changing realm of social media law, employers should be extra vigilant in ensuring that their organizations remain compliant with federal labor laws.

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Reis Concrete Products, Inc. Ready Mix • Concrete Septic Tanks

9522 Alexandria Pike Alexandria, KY 859-635-4157

Rt. 2 269 AA US 27 Falmouth, KY 859-654-6400

Email: concrete02@fuse.net • Fax: 859-635-REIS

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Build Your Savings Potential with NPP Receive discount pricing from the following well-known brands:

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Go re’s h t Clic o www ow to Sele k “Join .mynp join Cha ct “Co now” p.com : n p Com ters” f struct from th io r * El plete om the n”, “R e navi sub igibility the re appr esiden gation stan o t g tial require istrat priate ial” an bar. io reve me d d nue nts a n form ropdo “HBA wn from pply . men Particip con . Qua stru lify atin us. ctio ing g c bor. ompan

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THE FUTURE IN BUILDING

2014 MILLENNIUM CLUB All-Rite Ready Mix Arlinghaus Builders, LLC Ash Insurance, C.K. Barnes, Dennig & Co. Ltd Bray Trucking, Inc. Cutter Construction, Inc. Drees Company Dudley Construction Co. Inc. Ernst Concrete Fischer Homes Florence Nursery & Landscaping Florida Tile, Inc. Grant Co. /Gallatin Co. Concrete Kelly Bros. Lumber Kentucky Federal Savings & Loan Kentucky FluidAir, Inc. L & N Federal Credit Union Logan Lavelle Hunt Insurance Agency M & W Excavation Co., Inc. Steve Powell, Realty Executive Select.

Sims-Lohman Fine Kitchens & Granite Thelen Associates, Inc. Tri-City Insurance Service, Inc. VonLehman & Company, Inc. Wiseway Supply The Millennium Club is an elite group of companies whose contributions pay for the refreshments and entertainment at events like the Annual Golf Outing, Tabletop Night, Elk Creek Outing and the Holiday Party.

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AUTUMN 2014 CONTINUING EDUCATION NO

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SCHEDULE YOUR PROFESSIONAL DEVELOPMENT TODAY, SPACE IS LIMITED!

SEPTEMBER 17

Workplace Safety, presented by NKEMS 10 am – 1pm *This course fulfills AGC/SIF requirements for safety $35

OCTOBER 9

Workplace Safety, presented by NKEMS 10 am – 1pm *This course fulfills AGC/SIF requirements for safety $40

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Smarthome Customization for Builders and Remodelers presented by Simtech 10am – 1pm $30

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Fireplace Replacement Technology for the 21st Century, presented by Regency Fireplaces 10am – 1pm $30

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CPR/AED Training, Presented by NKEMS 10 am – 1 pm $40 *This course fulfills AGC/SIF requirements for safety

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NAHB Home Technology Seminar: This course counts for the electives needed for CAPS,

Graduate Builder and Graduate Remodeler Designations, presented by Ric Johnson 8:30 – 5:00 $200

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Economical Solutions for Code Compliant Structures, presented by Simpson Strong Tie 9am – 12 pm $30

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Metal Roofing Options for Custom Building and Remodeling, presented by Metal Sales 1pm-4pm $30

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Workplace Safety, presented by NKEMS 10 am – 1pm *This course fulfills AGC/SIF requirements for safety $40

NOVEMBER 4

EPA Safe Lead Removal Certification Training, presented by proActive Safety Consultants 7:30 am – 5:00 pm $375

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Workplace Safety, presented by NKEMS 10 am – 1pm *This course fulfills AGC/SIF requirements for safety $50

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Economical Solutions for Code Compliant Structures, presented by Simpson Strong Tie 1 pm – 4 pm $30

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Smarthome Customization for Builders and Remodelers presented by Simtech 1pm – 4pm $30

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Fireplace Replacement Technology for the 21st Century, presented by Regency Fireplaces 1 pm – 4 pm $30

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Metal Roofing Options for Custom Building and Remodeling, presented by Metal Sales 10 am - 1 pm $30

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Workplace Safety, presented by NKEMS 1 pm – 4pm *This course fulfills AGC/SIF requirements for safety $50

DECEMBER 9

CPR/AED Training, presented by NKEMS 2pm – 5pm *This course fulfills AGC/SIF requirements for safety $75

Call (859) 3319500 to register for a class or visit www.hbanky.com.

MEMBER EVENTS Thank you to our Sponsors!

Title Sponsor Pella Windows & Doors Silver Sponsor Potterhill Homes – Table Sponsor Game Sponsors C.K. Ash Insurance – Game Sponsor Fischer Homes Florida Tile Stallsworth Realty Group Triple Crown Chiropractic

HBA/NKAR Florence Freedom Outing

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eautiful weather and good company made the HBA/NKAR Florence Freedom Outing a good time for all. What a great opportunity to network with fellow HBA members and Northern Kentucky Association of REALTOR’s® members for very little money. Also, nothing like a hotdog or pretzel at the ole’ ball game!

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Scott Church, Logan Lavell Hunt; Rob Stone, C.K. Ash Insurance; Debbie Franxman, Wiseway Supply and Roger Toennis, Honorary Lifetime Member

Kimberly and David Stallsworth, Stallsworth Realty Group

Tom Spille, Spille Builders & Diana DeVore, Guardian Savings Bank

Bill & Tom Butt & Bill’s Remodeling Crew

Title Sponsor

MEMBER ERN KENTUC

KY

Brian, Watson and Brianna Jones, C.K. Ash Insurance

Jennifer Miller and Janis Beard, HBA Membership Director

Kelly Burns and Adam Miller, Adam Miller Homes

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ANOTHER GREAT SHOW AT HOM

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unday, August 24th was the closing of HOMEFEST at Winner’s Circle Park located in the Triple Crown Country Club Community. The three week long show was a success. Adam Miller Homes, BOLD Homes, Drees, Fischer and Potterhill Homes gave the home buyers of Northern Kentucky an outstanding representation of quality and value. It is hard to thank everyone who played an important role in making this a premier show, but here is a partial list: • • • • • • • • • • • • • • •

Triple Crown Developers, LLC Adam Miller Homes/ Presenting Sponsor Mercedes of Fort Mitchell Florida Tile Logan Lavelle Hunt Budget Blinds/Tailored Living Charter One Cindy Cahill Patrick’s Hardwood Cru Cutters Landscape American Mortgage My Gorilla Garage Leaf Guard First Maintain The Gutter Shutter

• • • • • • • • • • • • • • •

Dr. Eric Sims Chiropractic Roeding Insurance Little Flour Baked Goods Origami Owl Jenny’s Cookies Pleasant Valley Outdoor Remke Markets Dean’s Ice Cream truck Pat Parshall Diana DeVore Greg Meyer Amanda Stickland The Bank Eden Four Seasons Tent Rental HBA SMC Council

• Rumpke • Mick Kennedy • Creative Blast • Fast Signs • Deps • Snappy Tomato Pizza • Dusing Bros. Ice • Jason Yann • T&W Printing • Square Foot Studios • Cincy Magazine • Bessel Electric • Arrasmith Promotions • Decks by Design, Inc. USA

The votes have been tallied……………..the winner of this year’s Favorite Home and Favorite Interior has been chosen! The attendees did not have a hard time telling us that Adam Miller Homes was their choice for both awards. Congratulations to Adam Miller and his team.

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MEFEST!

HBA is working closely with THREE Developers for HOMEFEST 2015.

Watch for the exciting announcement of next year’s show sites. For more information about our home shows, advertising in NKB magazine, enews or website, contact Melanie Meyer at 859.331.9500 or melaniem@hbanky.com.

Presented by

Produced by

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Official Auto Sponsor

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REALTOR DAY AT HOMEFEST 2014

Sponsored by American Mortgage Service Company REALTOR DAY was held at Homefest on August 13 at Winner’s Circle Park in Triple Crown. It was a lovely day for the REALTOR’s to tour the 5 beautiful decorated homes and enjoy a delicious lunch. This event allows the builders to show new product and the REALTORS learn what these builders have to offer the buying public.

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National Association of Home Builders

Put your membership to work now.

Money-saving discounts that benefit your business, your employees, and your family

www.nahb.org/MA

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EXCLUSIVE PRICING FOR HBA MEMBERS Since 2007 many HBA Chapters have partnered with NPP to offer members discount pricing on several products and services. NPP negotiates the rates, and makes them available to HBA members throughout the country.

This program is entirely free, and there is no obligation to purchase. To access the savings, register with NPP at www.mynpp.com. Included among the discounts available to participating HBA Chapter members:

Many Home Builders Association members are already saving time and money through the NPP program.

To access the discount pricing, register with NPP. Signing up is easy.

HOW TO REGISTER Go to www.mynpp.com. Click “Join Now”.

Select “Construction” from the dropdown menu.

Select “Residential” from the Category dropdown menu.

Select “HBPP” from the Association dropdown menu.

Complete the registration form.

Corporate Discount - 22% off all wireless calling plans $34.99 & higher and free activation Employee Discount - 18% off wireless calling plans $34.99 and higher Select Accessory Discount - 35% (corporate) and 25% (employee/family) $20 Unlimited Wireless E-mail feature on corporate lines Variable discounts on phones Verizon Eligibility Requirements: Each Member must be a construction company, heavy highway, concrete, remodeling company or other trade craftsman (e.g.: a subcontractor such as an electician or plumber whose primary trade is within the construction industry).

Discounted, contracted prices on over 30,000 supplies and services Free next-day delivery on most standard orders over $30

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Receive money for your used phones Additional 10% for members

Toll-free audio conferencing for only 3 cents per minute; no contract, setup or monthly fee

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Wireless applications for data collection Save 50% on set-up fees per device

Fleet management solutions that fully connects the driver to the office 15% discount on a unique bundle of services

Buy The t Bes

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Thank you contractors, building owners and greater community for the opportunity to serve you.

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Polyfilm Concrete blankets Stakes Wall ties Safety gear Expansion joint

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Caulks Decorative Concrete Supplies Decorative Concrete Stamps Masonry Supplies

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It’s a Great Time to Purchase a Home!

It’s a Great Time to Purchase a Home!

The Federal Reserve has indicated that the economy is still soft and will follow its current policy of keeping the Fed Fund Rate low. This pays great “dividends” to people looking to borrow for a home. Historically The Federal Reserve hasare indicated thatofthe economy still soft and will follow its current policy of keeping speaking, mortgage rates at some the lowestisever.

Rates were at their lowest mainly throughout Fed Fund Rateare low.many This pays great “dividends” people looking borrow for a home.attractive.

Historically 2012,the however, there mortgage products to available today to that are extremely speaking, mortgage rates are at some of the lowest ever. Rates were at their lowest mainly throughout 2012, however, there are many mortgage products available today that are extremely attractive.

When shopping for a mortgage plan, many people immediately look for a fixed rate. Fixed rate products do have many positive features, but adjustable rate mortgages (ARM) do as well. Add in one’s personal When shopping for a mortgage plan, many people immediately look for a fixed rate. Fixed rate products

situation and an ARM can be the perfect solution. One product, being offered by L&N Federal Credit do have many positive features, but adjustable rate mortgages (ARM) do as well. Add in one’s personal

Union, mixes and a number of can items that makesOne it a product, definite being consideration. called the situation an ARM be together the perfect solution. offered byThe L&Nproduct Federal is Credit 5/5 Mortgage Plan.

The L&N 5/5 Mortgage Plan is anit adjustable rate mortgage onlyisre-prices Union, mixes a number of items together that makes a definite consideration.

The that product called the once, every5/5 five years. So, inThe a ten year that’s adjustment!

The rates 5/5 are very low, Mortgage Plan.

L&N 5/5 period, Mortgage Plan only is an one adjustable rate mortgage that on onlythe re-prices once, five years. in a ten that’s only one adjustment!

The rates 5/5 are low,for No whichevery is usual for anSo, ARM, butyear L&Nperiod, has added in some goodies: The L&N on 5/5the offers an very option which is usual anand ARM, hasFinancing! added in some goodies: Thethese L&N 5/5 offers an forthis No ARM Closing Costs, No for PMI UpbuttoL&N 100% When you add features to option the fact Closing Costs, No PMI and Up to 100% Financing! When you add these features to the fact this ARM

only adjusts once every five years, this is a plan that everyone should take a look it! only adjusts once every five years, this is a plan that everyone should take a look it!

For more information about the L&N 5/5 Mortgage Plan, call 800.292.2905!

For more information about the L&N 5/5 Mortgage Plan, call 800.292.2905!

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L&N L&N FEDERAL CREDIT UNION

(502) 368-5858 FEDERAL CREDIT UNION (800) 292-2905

(502) 368-5858 www.LNFCU.com (800) 292-2905 www.LNFCU.com

22

Northern Kentucky BUILDER

07/2014

3168 CRESCENT AVENUE, ERLANGER, KY 41018 • www.RJINSULATIoN.Com

WE FOCUS ON THE INSURANCE AND FINANCIAL NEEDS OF YOUR BUILDING INDUSTRY LLH has been providing insurance and financial services to Kentucky’s building industry for over 50 years. Today, with all the challenges your business faces, it’s a good time to talk with us to create a plan that will put your company’s insurance, benefits and wealth management programs in order.

Endorsed By

www.LLHins.com toll free (888) 499-6880 find us on

07/2014

Northern Kentucky BUILDER

25

(859) 371-7006 • www.tciky.com

NORTHERN KENTUCKY BUILDING PERMITS SINGLE FAMILY

JULY ‘14

#

MODULAR HOMES

#

MULTI FAMILY

#

CONDOS

#

COMMERCIAL

#

COMMERCIAL REMODELING

#

RESIDENTIAL REMODELING

2

$859,836

5

$941,000

30

$2,092,123

115

$1,349,469

BOONE

50

$7,553,919

CAMPBELL

5

$855,223

1

$115,000

1

$20,000

18

$459,317

KENTON

23

$4,766,813

1

$1,044,000

43

$1,613,945

38

$705,717

78

$13,175,955

0

$0

0

$0

2

$859,836

7

$2,100,000

74

$3,726,068

171

$2,514,503

SINGLE FAMILY

#

MODULAR HOMES

#

MULTI FAMILY

#

CONDOS

#

COMMERCIAL

#

COMMERCIAL REMODELING

#

RESIDENTIAL REMODELING

1

$360,000

5

$1,630,000

24

$6,819,480

58

$666,131

GRANT CARROLLTON GALLATIN MASON OWEN TOTAL

JULY ‘13 BOONE

35

$5,847,160

KENTON

21

$3,133,144

GRANT

1

$195,000

1

52000

TOTAL

57

$9,175,304

1

$52,000

0

$0

1

JAN-July 2014

429

$68,918,941

0

$0

30

$6,425,005

JAN-July 2013

438

$72,974,011

4

$277,000

94

$153,411,475

CAMPBELL

2

$65,000

1

$40,000

16

$538,022

38

$1,469,649

1

$475,000

2

$131,000

2

$28,000

$360,000

6

$2,105,000

44

$7,553,502

99

$2,203,780

23

$3,156,813

27

$39,845,240

362

$83,240,095

711

$14,635,466

16

$3,589,171

30

$37,351,922

355

$87,203,280

633

$12,030,683

CARROLLTON GALLATIN MASON OWEN

26

Northern Kentucky BUILDER

07/2014

BUSINESS MEETINGS AT A GLANCE / CALL 331-9500 FOR RESERVATIONS OR TO CONFIRM DATES

31

1

2

3

4

Remodelers Issues, 12 pm, HBA

Office Closed Labor Day

7

8

9

10

16

Membership/Retention Meeting, 11:30 am, HBA

17

Member Mix & Mingle, Arcadia, Campbell County, 5:30 – 8:00 pm

21

22

AGC/SIF Workplace Safety Class, 10 am - 1 pm, HBA

25

29

Ambassador Club, Noon, HBA

20

26

27

3

4

Board of Directors Meeting, 3:30-5 pm, HBA

1

30

19

Executive Committee Meeting 1:30 - 3:30 pm, HBA

New Member Orientation, 3:30pm, HBA Office

28

13

Membership Drive Celebration Lunch, Noon, HBA

LDC Board of Governors, 11 am, HBA

Finance Committee Meeting, 9-10 am, HBA

12

5th Annual Dewey Newport Associate Council Scholarship Fund Outing, 11:30 am, Owenton, KY

18

24

23

State and Local Government Committee, noon, HBA

11

september

15

6

NAHB Fall Board Meeting

SMC Board of Governors, noon, HBA

14

5

2

The projects you’re completing now are this years entries...

sunday

monday

tuesday

wednesday

thursday

friday

• • • • • •

28 projects The you’re completing now are this years entries...

29

30

1

2

Remodelers Issues, 12 pm, HBA

3

•

Produce sales leads

saturday •

Introduce new products and services

Enhance your image and visibility

•

Showcase your product in ways not possible using other marketing channels

Reach potential clients

•

Educate your target audience

Generate sales at the show

Establish a presence in the marketplace Personally meet your customers

4

Prospect for new customers

• • •

Get exposure if you’re new to the industry

Highlight a special or unique skill or project Get great radio and television exposure

2014

produced by NO

• • • • • • •

Produce sales leads

•

Enhance your image and visibility Generate sales at the show Reach potential clients

• •

Establish a presence in the marketplace Personally meet your customers

5

Prospect for new customers

• • •

Introduce new products and services

RTH

ERN KENTUC

KY

MAKE PLANS NOW!

TOUR IS OCTOBER 4TH AND 5TH

Showcase your product in ways not possible using other marketing channels

Call 859.331.9500 or visit www.HomeBuildersNKY.com for details

Educate your target audience

Get exposure if you’re new to the industry

Highlight a special or unique skill or project Get great radio and television exposure

6

2014

7

8

9

Be Bold and Win the Sale Workshop, Jeff Shore presenter, 9 am, Location TBA

Membership/Retention Meeting, 11:30 am, HBA

10

11

17

18

24

25

31

1

AGC/SIF Workplace Safety Class, 10 am, HBA

produced by NO

RTH

ERN KENTUC

KY

MAKE PLANS NOW!

TOUR IS OCTOBER 4TH AND 5TH Call 859.331.9500 or visit www.HomeBuildersNKY.com for details

13

14

15

Smartphone Customization for Builders & Remodelers Class, 10 am, HBA

19

20

21

16 Fireplace Replacement Technology for the 21st Century, 10 am, HBA

SMC Board of Governors, noon, HBA

27

LDC - State of the Counties Annual Address, Noon, HBA

22

State and Local Government Committee, noon, HBA

29

28 Ambassador Club, Noon, HBA

CPR/AED Training, 10 am, HBA

LDC Board of Governors, 11 am, HBA

NAHB Home Technology Seminar, 8:30 am, HBA

26

october

12

Metal Roofing Options for Custom Building & Remodeling, 1 pm, HBA

23 Economical Solutions for Code Compliant Structures, 9 am, HBA Change Member Mix & Mingle, 5:30 pm, Triple Crown, Fischer Model

30

AGC/SIF Workplace Safety Class, 10 am, HBA

Executive Committee Meeting 1:30 - 3:30 pm, HBA Finance Committee, 3:30, HBA

07/2014

Northern Kentucky BUILDER

27

PRSRT STD US POSTAGE NO

MEMBER RTH

ERN KENTU

PAID

CINCINANTI OH PERMIT 5400

Y CK

2751 Circleport Drive Erlanger, Kentucky 41018

ADDRESS SERVICE REQUESTED

Updating Your Sense of Tile For sixty years, Florida Tile has been a benchmark in the industry. As an innovator, we have marked many accomplishments, from building the first floor tile plant in the USA to introducing the first digitally printed products with our HDP – High Definition Porcelain lines.

Throughout our history Florida Tile has been a pioneer, but equally as important, we have been a benchmark for style. We recognize and celebrate that commitment by making a great product & creating what our customers continue to want and our competitors try to copy.

MINGLE

1325 Donaldson Road Suite 2B Erlanger, Kentucky 41018 (859) 282 • 5400

www.floridatile.com Erlanger Feb 2014.indd 1

1/23/14 11:37 AM