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The LINCOLN BUSINESS BUILDER May 2011

Published monthly by the Home Builders Association of Lincoln Volume 48 No. 5

May 8-15, 2011

Weeknights: 6:00 - 9:00 p.m. & Weekends: 1:00 - 6:00 p.m.

After twenty-four years of dedicated service to the Home Builders Association of Lincoln

See page 18 for a complete listing of Parade Entries.

Nadine Condello

is retiring. Friends are invited to join us for a cake and champagne reception honoring her.

Monday, May 16, 2011

Open house 5:00 to 7:00 p.m. • Program 6:00 p.m.

Nebraska Champions Club 707 Stadium Drive

(free parking in the lot surrounding Champions)

Please RSVP with number of guests attending to 402-423-4225 or info@hbal.org by May 9, 2011

Earn double SPIKE Credits during the month of May!

Find the Frog!

Find this guy in the Lincoln Business Builder and be the third person to call HBAL (402-423-4225) with his location and your meal at the next General Membership Meeting is on us!

President’s Message Upcoming Events Golf Tournament Registration Member News HBAL Mailbox Facts on the Energy-Efficiency Tax Credit Financial Column Step by Step The Winning Hand

Contents 3 4 5 6-7 7 8 9 10-11 12

Tribute to Youth 2011 Scholarship Winners Spring Parade of Homes New Members Directory Changes Cancellations Renewals Safety Tip Adding Value To Your Home Building Permit Update

14-16 17 18 20 20 20 21 23 25 26

Congratulations to Tony Marino, The Paper Puller, Inc. on finding the frog last month!

Only one call per member company will be allowed. Note that once you win, you are not eligible for 12 months. If there is not a third caller, the prize will not be awarded.

Celebrating

60

YEARS

1951-2011

Home Builders Association of Lincoln

President’s Message

Home Builders Association of Lincoln

6100 S. 58th Street, Suite C, Lincoln, NE 68516 (402) 423-4225 phone • (402) 423-4251 fax www.hbal.org • info@hbal.org The Lincoln Business Builder is published 12 times per year by the Home Builders Association of Lincoln, 6100 S. 58th Street, Suite C, Lincoln, NE 68516. The Lincoln Business Builder is mailed to all members of the HBAL. The Home Builders Association does not accept responsibility for or endorse any statements or claims made by advertisers or authors of any articles.

The annual subscription rate is included with your membership dues.

Nadine Condello Jennie Korth

Publisher

Editor, Photographer, Design

Executive Committee

Lois Hartzell, GMB, CSP, President Dan Klein, Sr., President Elect Mike Rezac, 1st Vice President Perry Haralson, 2nd Vice President Dan Walker, Secretary Bob Bryant, Treasurer Mike Rezac, Immediate Past President Mike Benker, GMB, CGR, CAPS, CGP, Executive Board Nadine S. Condello, Executive Vice President

President’s Message Lois Hartzell, HBAL President The Tour of Remodeled Homes was a great success. The homes that were entered in the tour were excellent examples of what our remodeler members can do. The weather was fine and the attendance at the homes was better than ever.

Thank you, Remodelers Council members for sponsoring this yearly event. Let’s hope it inspired people who intend to stay in their current home to start thinking about that new kitchen, bathroom or sunroom.

Celebrating

60

YEARS

May 2011 Vol. 48, No. 5

1951-2011

Nationally and locally, construction companies are struggling to figure out how to comply with OSHA and EPA standards. HBAL is trying to provide you with as many educational opportunities as possible at a reasonable price. We have been fortunate “Let’s hope lots of to receive grants from the Department of Labor people get caught up and from our National Association of Home in the real excitement Builders to assist in pricing. The classes we’ve generated by the held so far have been filled to capacity. We had 120 reservations for our April 19 Fall Protection Parade and realize seminar. their own dream of

owning a new home.”

Board of Directors

We are excited that Mike Benker will be coming on board at the end of May as our new Executive Vice President. His background in construction and his knowledge of codes, OSHA standards and the EPA will help us meet the needs of our members. Mike, Jennie and Kayla will continue to offer the outstanding services we have come to expect from HBAL.

Remodelers Council

Mark your calendar and plan to help celebrate Nadine’s retirement. We will all truly miss her, but know that her life is just beginning--not ending. The celebration will take place on May 16 from 5 to 7 p.m. at the Nebraska Champions Club.

Tom Artz, Eric Hoke, Ken Inness, CGP Justin Johnson, Mike Kinning, Matt Kleinschmit, Jo Lewis, Mike May, Brock Peters, Chuck Pfenning, Gary Reese, Ken Svoboda Jenny Samek

National Directors

Mike Benker, GMB, CGR, CAPS, CGP Steve Fulton, CGP Mike Goings, CGP, CSP Allen Barber, Alternate Lois Hartzell, GMB, CSP, Alternate Mike Rezac, Alternate

There are lots of reasons to own a new home. All new materials, energy efficiency, a new neighborhood and the fun of entertaining in a new kitchen. Our builders always put their best face forward during the Spring Parade of Homes. Let’s hope lots of people get caught up in the real excitement generated by the Parade and realize their own dream of owning a new home.

National Life Directors

Jim Christo, CGR, CGB, Joe Hampton, Duane Helmink, John Hoppe, Jr., Ward Fred Hoppe, Joe McKee, Robert Peterson, J. Greg Schwinn, Bob Stephens, Jerry Witthuhn

Past Presidents

Jerry Boyce, Rick Krueger, Dan Kubr, Donn Mann, Sam Manzitto, Roger Reynolds, CGR, CAPS, Don Rowe, Greg Shinaut, CGP, Ken Westerhold

HBAL Staff

Kayla Harrison & Jennie Korth

I am grateful for the lawn that needs mowing, windows that need cleaning, and floors that need waxing because it means I have a home.

- Author Unknown

2011

Let’s Turn the Charts in a Different Direction 3  Lincoln Business Builder

Upcoming Events

Calendar of Events May 4

May 12

Remodelers Council Meeting 10:30 a.m. • Join us for coffee & rolls Tour of Matt Talbot Kitchen & Outreach 2121 N. 27th Street Board of Directors 10:30 a.m.

HBAL Office

Mother’s Day is May 8!

A mother is a person who seeing there

are only four pieces of pie for five people, promptly announces she never did care for pie.

- Tenneva Jordan The most remarkable thing about my mother is that for thirty years she

May 8-15

Spring Parade of Homes Weekdays 6:00 p.m. - 9:00 p.m.

Saturday & Sundays 1:00 p.m. - 6:00 p.m.

Cost: Free Guidebooks are available in all homes.

Visit www.HBAL.org for an online tour.

May 16

Retirement Party for Nadine Condello 5:00 to 7:00 p.m. Open House • 6:00 p.m. Program Nebraska Champions Club

June 3

Lincoln Home Builders Care Foundation Benefit Golf Tournament First tee-off 6:45 a.m. • Last tee-off 4:00 p.m.

Cost: $60.00 per person Highlands Golf Course • 5501 NW 12th Street

served the family nothing but leftovers.

The original meal has never been found.

- Calvin rillin My mother’s menu consisted of two choices: Take it or leave it.

- Buddy Hackett You don’t really understand human nature unless you know why a child

on a merry-go-round will wave at his parents every time around

- and why his

parents will always wave back.

- William D. Tammeus

Equipment For Sale FOR SALE: 2007 Gehl DL12H40 forklift, 2986 hours, Cat 3 emissions, very well maintained with heat, A/C and outriggers, additional attachments also for sale include 16’x4’ work platform w/ rails and 8’ wide bucket.

FOR SALE: 2002 White F-150 4x4 Extended Cab pick-up w/ 43,000 miles; good condition.

Call Mike @ 402-429-9266.

Save the Date!

2012 Home & Garden Show

February 9-12, 2012 Lancaster Event Center 4  Lincoln Business Builder

Home Builders Association of Lincoln

Vote for the following candidates on May 3 H H H H H

Chris Beutler - Mayor Doug Emery - City Council, District 1 (NE) Jon Camp - City Council, District 2 (SE) Travis Nelson - City Council, District 3 (SW) Chad Wright - City Council, District 4 (NW)

Your Vote Counts for Housing!

As Lincoln’s home storage experts, Monkey Bar Storage Solutions is proud to offer the patented Monkey Bar garage storage solution, a shelving and rack system with a place for nearly every item currently cluttering the largest room in your house.

• Saving homeowners grief, time, and money since 2002.

• Full-access, easy-to-maintain garage organization.

• We can install garage shelving and storage accessories in as little as a day.

Call 402.388.4300 today for your free estimate. www.monkeybarstorage.com • rlangel@monkeybarstorage.com

Golf Tournament Registration

2011 Lincoln Home Builders Care Foundation Benefit Golf Tournament Friday, June 3, 2011 Highlands Golf Course - 5501 NW 12th Street “Texas Scramble” - $60.00 per person First tee-off at 6:45 a.m. - Last tee-off at 4 p.m.

Highlands Golf Course Golf Registration

If you are interested in a designated foursome, register all four players together. If not, you will be assigned to a team. This is a first-come, first-served event. Payment by May 2 is required to save your tee-time.

Player No. 1 Name _____________________________________________________________________________ Company___________________________________________________________________________ Player No. 2 Name _____________________________________________________________________________ Company___________________________________________________________________________ Player No. 3 Name _____________________________________________________________________________ Company___________________________________________________________________________ Player No. 4 Name _____________________________________________________________________________ Company___________________________________________________________________________ Enclosed is $ ___________________________ for __________________ players at $60 each.

Tee time range requested __________________

We will do our best to set your tee-time as close to your choice as possible.

Tee-times are arranged on a first-come first-served basis.

Payment must be received before May 2 in order to ensure a tee-time.

Note: Make checks payable to Lincoln Home Builders Care Foundation. You will be sent a postcard as a reminder of your tee time.

Registration

The $60 registration fee includes green fees, cart, hot dogs all day, hamburgers and the fixin’s for lunch, and lots of prizes! Each person will receive drink tickets toward beverages. Additional drinks may be purchased (please assign a designated driver for your team).

Priority Tee-time

By making a donation of $200 to the tournament, you will have the ability to choose your tee-time range on a priority basis. In order to take advantage of a priority tee-time, you must pledge your contribution by March 1 and pay by May 2, 2011. (This contribution is in addition to the entry fee.)

Prizes

Corporate Hole Sponsors are being contacted. If you are interested in sponsoring a hole, contributing giveaways for the golfers, or volunteering your time to help…call the HBAL office (423-4225) for more details.

Hurry!

This is a first-come, first-served event. So don’t delay, get your tee-time reserved.

Fill out the form on the left and (make checks payable to Lincoln Home Builders Care Foundation)

Fax to 423-4251

Or mail to Lincoln Home Builders Care Foundation 6100 S. 58th Street, Suite C Lincoln, NE 68516 If the tee-time you request is full, we will call you with other options.

5  Lincoln Business Builder

Member News

Member News Thinking of You...

Our sympathy to Hub Hall and his family on the passing of his wife, Pat Hall, on March 23, 2011. Hub was president of HBAL in 1976 & 1977.

Our sympathy to the family of Gerald “Jerry” Maddox, who passed away on April 2, 2011. Jerry worked for Lincoln Federal Savings Bank for 49 years, retiring on March 4, 2011.

Thank You...

HBAL would like to thank the following for their contribution to the Fall Protection Seminar held on April 19: • Speedway Properties • Jeff Bielenberg, Bielenberg Builders, Inc. and crew • Mike Rezac, Rezac Construction, Inc. • Mike Benker, HBAL • Perry Haralson, Cornhusker Bank • John Harrison, Harrison Roofing

NAB Crystal Radio Award Presented to KFOR-AM KFOR-AM was awarded the National Association of Broadcasters’ Crystal Radio Award. Since 1987, the NAB Crystal Radio Awards have recognized radio stations for their outstanding year-round commitment to community service.

Ten winners were chosen among 50 finalists. Recipients were recognized at the NAB Show Radio Luncheon on April 12, 2011.

For 87 years, the legendary KFOR has stood for integrity, unparalleled community service and live, local programming.

In 2010, KFOR’s generous listeners specifically requested Christmas gifts for over 3,400 less fortunate children. KFOR raised $41,000 solely from on-air appeals (over $1 million raised since 1948) for their operation Santa Claus program.

In 2010, hungry people in need benefited from KFOR’s assistance in raising $18,900 for the Food Bank of Lincoln.

Donations of $60,000 were received for the March of Dimes through our co-sponsorship of the Celebrity Chefs Auction.

Over $110,000 was raised at the Alzheimer’s Association Memory Walk. From reading in schools to emceeing charity events, KFOR employees donated over 1,100 hours of volunteer time to community outreach. More than 1,100 PSAs translated into over $44,000 in free airtime. KFOR interviewed 400+ people for our on-air community service programs, ‘Lincoln Live’ and ‘Problems & Solutions.’ Other public service interviews numbered more than 500. Our four-person morning team has a combined total of 106 years at KFOR and personality Cathy Blythe has won two NAB Marconi Radio Awards.

6  Lincoln Business Builder

Johnson Selected to Manage New Showroom

Molly Johnson with Ferguson Enterprises recently accepted a new position within the company and will be managing a new 10,000 sq. ft. showroom in Omaha. The new showroom will feature plumbing, lighting and appliance products. The showroom is targeted to open late spring/early summer of 2011! Molly continues to stay involved in Lincoln, is actively involved in the Lincoln Remodelers Council, and is excited about the future of both Omaha and Lincoln markets. “It is fun being active in both the Lincoln and Omaha markets and I enjoy working with plumbers, builders, designers and home owners. We take great pride in helping our customers and making their plumbing, lighting and appliance projects run as smoothly as possible.”

The Lincoln Ferguson location recently added Ali Coulson to join Jennifer Bombeck in the showroom. Ali has a design background and been a great asset to the Lincoln team.

They have also changed their hours of operation to better accommodate the busy schedules of their clients. Branch manager Scott Johnson said, “We recognize that home owners many times have to make special arrangements and leave work early to make their plumbing and lighting selections. By extending our hours to 6 p.m. daily and having our showroom open Saturday’s from 9 a.m. – 3 p.m. we hope to make the selection process for home owners an easy and enjoyable experience. We recognize that managing a remodel or new build project for our customers can be overwhelming but our professional consultants do an excellent job offering great customer service that makes the experience at Ferguson fun and memorable. ” Ferguson continues to offer the finest in plumbing, lighting and now appliance products with world class customer service! You can visit them in Lincoln at 5001 S. 19th Street.

Molly and her husband Scott Johnson both are employed with Ferguson Enterprises and have two children, Jacob (9) and Jack (2). They recently moved to Ashland, NE.

Pictured: Molly Johnson, Jennifer Bombeck and Ali Coulson.

Member News | HBAL Mailbox

Congratulations Brian & Michelle Willet (Waddell & Reed)

HBAL Mailbox Nadine I wanted to thank you for inviting me and the other winning teachers from the “Dream Houses” art contest to last night’s dinner. It was a wonderful time, and we really appreciated being a part of our students’ special evening. Congrats on your retirement, as well!

Thanks again, Amy Allerheiligen Creative Expressions Teacher Calvert Elementary • • • • •

Brian & Michelle were married April 1, 2011 in Plano, TX. They reside in Lincoln where Brian is a financial advisor & district manager at Waddell & Reed. Michelle is a worksite wellness coordinator at Lincoln-Lancaster County Health Department.

Brian is the son of Rick & Marcia Willet of Willet Construction Remodeling Specialists.

I would like to extend my thanks and gratitude to HBAL and the Remodelers Council for your contributions and support to the SCC Student Chapter scholarship fund. This past March I was fortunate to be awarded a scholarship and I am very appreciative. My appreciation for the student chapter has only strengthened with time.

I am currently a 5th quarter Building Construction Technology student at SCC-Milford. I have been active in the chapter for the past year. I have served as treasurer, am currently the president and was able to attend the IBS last January. Being in the chapter has really changed my focus and perception of the construction industry. I have become more aware of the services that HBAL and the Remodelers Council provide for the community.

My plans are to graduate in September of this year and I cannot wait to start working in a career that I truly love.

My goal is to work for a custom cabinetry shop with the intent of owning my own cabinet business one day. Wherever I end up, I know that I will continue to have an active part in NAHB throughout my life.

Thank you for all that you do.

Jim Harrison

Merritt

Sand & Gravel 402-435-3213 26th & Randolph Come Visit Our New Showroom Featuring

Natural Veneer Stone Custom Cuts & Blends Opening May 2011

• Sand / Gravel • Rock / River Rock • Promix / Colored Cement • Flagstone / Wallstone • Crushed Concrete Fines • U-Kart Ready-Mix • Concrete Block • Mulch

Visit us at www.DHMerritt.com We provide quick delivery and quality service.

7  Lincoln Business Builder

Facts on the Energy-Efficiency Tax Credit

Facts on the Energy-Efficiency Tax Credit Additionally, section 25C provides specified credits for the purchase of specific energy efficient property originally placed in ser vice by the taxpayer during the taxable year. The The Wind, Solar, Geothermal and Fuel Cell Tax Credit allowable credit for the purchase of certain property is (Tax Code Section 25D): • $50 for each advanced main air circulating fan, Tax credits are available at 30 percent of the cost, with no cap through 2016, for existing homes and new construction, for: • $150 for each qualified natural gas, propane, or oil furnace or hot water boiler, and • Geothermal Heat Pumps • $300 for each item of energy-efficient building property.

• Solar Panels An advanced main air circulating fan is a fan used in a natural gas, pro• Solar Water Heaters pane, or oil furnace and which has an annual electricity use of no more • Small Wind Energy Systems than two percent of the total annual energy use of the furnace (as determined in the standard Department of Energy test procedures).

• Fuel Cells (on this item the credit may not exceed $500 for each 0.5 kilowatt capacity; other limits apply in the case of joint occupancy) A qualified natural gas, propane, or oil furnace or hot water boiler is a natural gas, propane, or oil furnace or hot water boiler with an The energy-efficiency home products must be “placed in service” annual fuel utilization efficiency rate of at least 95. between Jan. 1, 2011 and Dec. 31, 2011. The credits are only valid for improvements made to the taxpayer’s principal residence, except for Energy-efficient building property (Installation costs may be qualified geothermal, solar, wind property, which can be installed on included): any home used as a residence by the taxpayer.

• an electric heat pump water heater which yields an energy factor of Qualified Energy Efficiency Improvements at least 2.0 in the standard Department of Energy test procedure, (Tax Code Section 25C): an electric heat pump which achieves the highest efficiency tier • provides a 10-percent credit for the purchase of qualified energy established by the Consortium for Energy Efficiency, as in effect efficiency improvements to existing homes. The energy-efficiency on January 1, 2009, home products must be “placed in service” between Jan. 1, 2011 and • a central air conditioner which achieves the highest efficiency Dec. 31, 2011. tier established by the Consortium for Energy Efficiency, as in Under section 25C, the maximum credit for a taxpayer for all taxable effect on Jan. 1, 2009, years is $500, and no more than $200 of such credit may be attribut• a natural gas, propane, or oil water heater which has an energy facable to expenditures on windows. tor of at least 0.82 or thermal efficiency of at least 90 percent, and This rule means that taxpayers who have claimed $500 or • biomass fuel property, which is a stove that burns biomass fuel more of this tax credit in prior years, particularly 2009 and to heat a dwelling unit located in the United States and used as 2010, can no longer participate in the program. a principal residence by the taxpayer, or to heat water for such Installation costs only count for tax credit for the installation of nondwelling unit, and that has a thermal efficiency rating of at least building envelope qualified property.

75 percent.

The credit is nonrefundable and does not have to be repaid to the Biomass fuel is any plant-derived fuel available on a renewable or federal government. recurring basis, including agricultural crops and trees, wood and Special proration rules apply in the case of jointly owned property, wood waste and residues (including wood pellets), plants (includcondominiums, and tenant-stockholders in cooperative housing corpoing aquatic plants), grasses, residues, and fibers. rations. If less than 80 percent of the property is used for nonbusiness How to Claim the Tax Credits purposes, only that portion of expenditures that is used for nonbusiness purposes is taken into account. For purposes of determining the Home owners can claim the 25C and 25D credits on Form 5695 when they file their income tax returns. Check with your tax profesamount of expenditures made by any individual with respect to any sional to ensure correct application of the energy-efficiency tax dwelling unit, expenditures which are made from subsidized energy credit. Retain all receipts as well as records that include: financing are not taken into account. The term ‘‘subsidized energy financing’’ means financing provided under a Federal, State, or local • Name and address of manufacturer program a principal purpose of which is to provide subsidized financ• Identification of the class of eligible building envelope component ing for projects designed to conserve or produce energy.

• Make, model number and any other property identifiers A qualified energy efficiency improvement is any energy ef• A statement that the component is eligible for the credit (may ficiency building envelope component: include U factor, class of window or door, etc.)

1. meets or exceeds the prescriptive criteria for such a component This information comes from ENERGY STAR, for more information established by the 2009 International Energy Conservation visit the ENERGY STAR website at www.energystar.gov/taxcredits.

Code as such Code (including supplements) (or, in the case of windows, skylights and doors, and metal roofs with appropriate To learn more about remodeling visit NAHB Remodelers at pigmented coatings or asphalt roofs with appropriate cooling www.nahb.org/remodel. granules, meets the Energy Star program requirements); NAHB is providing this information for general guidance only. This informa2. is installed in or on a dwelling located in the United States and owned tion does not constitute the provision of legal advice, tax advice, accounting and used by the taxpayer as the taxpayer’s principal residence; services, investment advice, or professional consulting of any kind nor should it be construed as such. The information provided herein should not be used as 3. the original use of which commences with the taxpayer; and a substitute for consultation with professional tax, accounting, legal, or other 4. that reasonably can be expected to remain in use for at least five competent advisers. Before making any decision or taking any action on this years. information, you should consult a qualified professional adviser to whom you Building envelope components (Installation costs not included): have provided all of the facts applicable to your particular situation or question. None of this tax information is intended to be used nor can it be used by • Insulation material or systems (specifically and primarily deany taxpayer, for the purpose of avoiding penalties that may be imposed on the signed to reduce the heat loss or gain for a dwelling and which taxpayer. The information is provided “as is,” with no assurance or guarantee meet the prescriptive criteria for such material or system estabof completeness, accuracy, or timeliness of the information, and without warlished by the 2009 International Energy Conservation Code) ranty of any kind, express or implied, including but not limited to warranties of • Exterior window, skylight, door, storm window or storm door performance, merchantability, and fitness for a particular purpose.

• Metal or asphalt roofs (with appropriate pigmented coatings or For more information about this item, please contact Kelly Mack at 800-368cooling granules that are specifically and primarily designed to 5242 x8451 or via e-mail at kmack@nahb.org. reduce the heat gain for a dwelling).

Home owners can access two tax credits for adding energy efficiency improvements to their homes.

8  Lincoln Business Builder

Financial Column

Deciding When to Retire: When Timing Becomes Critical Provided by John Oestreich, Waddell & Reed

Deciding when to retire may not be one decision but a series of decisions and calculations. For example, you’ll need to estimate not only your anticipated expenses, but also what sources of retirement income you’ll have and how long you’ll need your retirement savings to last. You’ll need to take into account your life expectancy and health as well as when you want to start receiving Social Security or pension benefits, and when you’ll start to tap your retirement savings. Each of these factors may affect the others as part of an overall retirement income plan.

Thinking about early retirement?

Retiring early means fewer earning years and less accumulated savings.

Also, the earlier you retire, the more years you’ll need your retirement savings to produce income. And your retirement could last quite a while. According to a National Vital Statistics Report, people today can expect to live more than 30 years longer than they did a century ago.

Not only will you need your retirement savings to last longer, but inflation will have more time to eat away at your purchasing power. If inflation is 3% a year--its historical average--it will cut the purchasing power of a fixed annual income in half in roughly 23 years. Factoring inflation into the retirement equation, you’ll probably need your retirement income Current Life Expectancy Estimates: to increase each year just to

Men Women cover the same expenses. Be At Birth 75.4 80.4 sure to take this into account At Age 65 82.2 84.9 when considering how long Source: National Vital Statistics Report, Vol. 58, you expect (or can afford) to No. 19, May 2010 be in retirement.

However, pension plans now are allowed to pay benefits when an employee reaches age 62, even if the employee is still working and hasn’t yet reached the plan’s normal retirement age. Phased retirement can benefit both prospective retirees, who can enjoy a more flexible work schedule and a smoother transition into full retirement; and employers, who are able to retain an experienced worker. Employers aren’t required to offer a phased retirement program, but if yours does, it’s worth at least a review to see how it might affect your plans.

Key Decision Points:

Age

Don’t forget….

Eligible to tap tax-deferred 59 ½* penalty for early withdrawal early withdrawal

Federal income taxes will be due on pretax contributions and earnings

Eligible for early 62 Social Security benefits

Taking benefits before full retirement age reduces each monthly payment

Eligible for Medicare 65

Contact Medicare 3 months before your 65th birthday

Full retirement age for Social Security

65 to 67 After full retirement age, earned depending on income no longer affects your birth date Social Security benefits

*Age 55 for distributions from employer plans upon termination of employment

Check your assumptions

There are other considerations as well. For example, if you expect to receive pension payments, early retirement may adversely affect them. Why? Because the greatest accrual of benefits generally occurs during your final years of employment, when your earning power is presumably highest. Early retirement could reduce your monthly benefits. It will affect your Social Security benefits too.

The sooner you start to plan the timing of your retirement, the more time you’ll have to make adjustments that can help ensure those years are everything you hope for. If you’ve already made some tentative assumptions or choices, you may need to revisit them, especially if you’re considering taking retirement in stages. And as you move into retirement, you’ll want to monitor your retirement income plan to ensure that your initial assumptions are still valid, that new laws and regulations haven’t affected your situation, and that your savings and investments are performing as you need them to.

Also, don’t forget that if you hope to retire before you turn 59½ and plan to start using your 401(k) or IRA savings right away, you’ll generally pay a 10% early withdrawal penalty plus any regular income tax due (with some exceptions, including disability payments and distributions from employer plans such as 401(k)s after you reach age 55 and terminate employment).

The article is written by Forefield, Inc. but is provided by John W. Oestreich. It is meant to be used for informational purposes only and should not be construed as investment as investment advice. Please consult with your tax, legal and financial advisor prior to making financial decisions. ©2011 Forefield, Inc. All rights reserved. Waddell & Reed and Forefield are not affiliated companies.

Finally, you’re not eligible for Medicare until you turn 65. Unless you’ll be eligible for retiree health benefits through your employer or take a job that offers health insurance, you’ll need to calculate the cost of paying for insurance or health care out-of-pocket, at least until you can receive Medicare coverage.

John W. Oestreich is a Managing Principal with Waddell & Reed in Lincoln, NE, and can be reached at 402-484-7526. Waddell & Reed, Inc. Member FINRA and SIPC.

Delaying retirement

Postponing retirement lets you continue to add to your retirement savings.

That’s especially advantageous if you’re saving in tax-deferred accounts, and if you’re receiving employer contributions. For example, if you retire at age 65 instead of age 55, and manage to save an additional $20,000 per year at an 8% rate of return during that time, you can add an extra $312,909 to your retirement fund. (This is a hypothetical example and is not intended to reflect the actual performance of any specific investment.)

Even if you’re no longer adding to your retirement savings, delaying retirement postpones the date that you’ll need to start withdrawing from them.

That could enhance your nest egg’s ability to last throughout your lifetime.

Postponing full retirement also gives you more transition time. If you hope to trade a full-time job for running your own small business or launching a new career after you “retire,” you might be able to lay the groundwork for a new life by taking classes at night or trying out your new role part-time. Testing your plans while you’re still employed can help you anticipate the challenges of your post-retirement role. Doing a reality check before relying on a new endeavor for retirement income can help you see how much income you can realistically expect from it. Also, you’ll learn whether it’s something you really want to do before you spend what might be a significant portion of your retirement savings on it.

Phased retirement: the best of both worlds

Some employers have begun to offer phased retirement programs, which allow you to receive all or part of your pension benefit once you’ve reached retirement age, while you continue to work part-time for the same employer.

Phased retirement programs are getting more attention as the baby boomer generation ages. According to the Bureau of Labor Statistics, by 2012 workers age 55+ will represent almost 20% of the U.S. workforce, and many employers are forecasting an eventual shortage of skilled workers. In the past, pension law for private sector employers compounded the problem by actually encouraging workers to retire early. Traditional pension plans generally weren’t allowed to pay benefits until an employee either stopped working completely or reached the plan’s normal retirement age (typically age 65).

This frequently encouraged employees who wanted a reduced workload but hadn’t yet reached normal retirement age to take early retirement and go to work elsewhere (often for a competitor), allowing them to collect both a pension from the prior employer and a salary from the new employer.

9  Lincoln Business Builder

Step by Step

Published by the Remodelers Council of Lincoln • May 2011

Chairperson’s Message

by Jenny Samek

Spring is in the air, well sometimes! It seems like mother nature keeps teasing us with spring this year! Fortunately we have had nice days when we needed them. We had great weather to tour Vantage Pointe Homes. Thanks Dan for the great tour.

It was fun to see how they do it.

We also had a beautiful weekend for the Tour of Remodeled Homes. We had 21 great entries showing everything from kitchen and bath remodels to decks and sunroom additions.

I hope many of our members were able to get out and enjoy the weather while viewing some of these wonderful homes. I know I really enjoy getting to see the finished project.

The next Remodelers Council meeting is Wednesday, May 4. We will be touring the Matt Talbot Kitchen. Please note the different start time of 10:30 a.m. as we need to complete the tour before they serve lunch. I encourage everyone to bring donations. The items that are most needed are HE laundry detergent, paper towels, canned fruits and vegetables. I’m sure any donations will be greatly appreciated. Hope to see you there.

May Meeting

Note special start time!!!

Join us for Coffee & Rolls and a Tour of Matt Talbot Kitchen & Outreach Wednesday, May 4, 2011 • 10:30 a.m.

2121 N. 27th St. Please send your RSVP to info@hbal.org or call 402-423-4225 by April 29.

There is no cost to attend this month’s meeting, but we are asking you to bring a donation. The items that are most needed are HE laundry detergent, paper towels, canned fruits and vegetables.

The video from the Remodeler Council’s Better Business Bureau’s Integrity Award is now online. View it at

www.hbal.org/rc/events/

10  Lincoln Business Builder

Welcome New Members!

Robison Design Build, LLC Dick Robison

Step by Step

Attention to Detail; Professionalism Among Best Practices for a Successful Remodeler It is often the small things that can make or break a sale, according to Sherry Schwab, CGR, CAPS, 2010 Remodeler of the Year, who stresses getting the details right in the best practices she and her husband have employed to run their company for the more than 34 years they have been in business.

Their firm — HCS Construction Services Company — provides insurance restoration, remodeling, and general contracting for clients in the Seattle area.

Schwab was featured in the November issue of Qualified Remodeler magazine, describing the steps she has taken in her business to thrive in a competitive market.

And at the 2011 NAHB International Builders Show in January she presented her 10 tips for success.

These tips, she said, have helped her family-owned business expand from single service insurance reconstruction in 1979 into today’s multi-faceted service company engaged in custom home building, commercial tenant improvement, insurance renovation, remodeling and handyman work.

“This system has been engineered, added to, tweaked and is always changing to meet the needs of our company,” said Schwab. “We have adapted the parts and pieces over the years from insights we’ve received from other remodelers, meetings and magazines.”

The following best practices “can be adapted to fit your business to allow you to build your own process bit by bit until it is perfect for you,” she said.

Make the Best Impression from the First Call

Develop a detailed lead sheet for taking calls from prospective clients. A company principal should take the calls because he or she is in the best position to make decisions about scheduling for an estimate and how to handle the project.

Anyone answering the phone should use the lead sheet and take detailed notes for starting the client file. Use the sheet to develop a conversation and let the information flow naturally.

“The first impression over the phone is crucial and is the key opportunity for making a solid impression and selling the professionalism of the company,” Schwab said.

Start the Job File

After the first phone call, enter the lead sheet into a computer file record and also start a hard file as well. Both electronic and hard files will help keep you organized and capture the details of each job.

The estimate, contract, correspondence and all documents produced during the course of the job should be added to the file.

As part of the file set-up process, check county tax records for home ownership and for the date of construction to comply with lien laws, asbestos and lead-based paint regulations.

Keep records for at least seven years for when any warranty issues arise, if payment collection becomes a problem or if you need to track and thank large dollar referrals.

Set the First Appointment

The first appointment should be scheduled on the first phone call or by the end of the same day on a return call.

Add the appointment to the company calendar and mark it in the new file to take to the appointment to collect details, including measurements, photos and other information. “This is the only time the

file leaves the office,” Schwab said.

Finish the Proposal

Complete the proposal and the contract within a day after the appointment, unless it is extremely long or complex.

The proposed job specifications and pricing should then be sent to the client with a contract and personalized cover letter both by e-mail and by hard copy highlighted for signing.

Clients can then return the signed contract and deposit by mail or drop it off at the office. Do not begin any work until the deposit is received, but you can begin scheduling a job upon e-mail approval of the contract.

Be sure to send a hard copy of the signed contract with a cover letter to the client. Cover letters provide additional opportunities to profile your services and professionalism, and highlight your attention to detail.

Your letterhead, envelopes, and invoices should be professionally printed with your company’s logo and branding.

Manage the Calendar

It is important to be careful when scheduling all dates on correspondence, appointments and any work.

After the proposal has been mailed, set a follow-up date approximately a week later to call the prospective customer, answer any questions and close the sale.

The best person to make the call is the salesperson from the original meeting who took the specifications. Presumably, he or she is the best informed on the project and has established some rapport with the client. Schwab’s tracking shows that it is more likely to get a future job with the client because these follow-up calls show personalized attention to detail. If the prospective customers tell you they went with a different company, try to find out why to help improve your sales process.

“Don’t try to pressure sell, but watch for trends.

Being forewarned and honest can tell you if you need to make changes,” said Schwab.

Plan the Job Schedule

Once the contract and deposit have been received, the job is scheduled. As mentioned above, don’t schedule or start work until the signed contract and deposit payment are received.

“Adhering to policy is a sign of professionalism.

If you cannot hold to the standards at this early stage and appear so hungry and desperate to work, don’t be surprised when final payment is delayed,” Schwab advised.

“Also consider that if a client will not give you the deposit in good faith before you start work and while they are in the anticipatory stage, you could be in for a difficult time throughout the project,” she said.

Spend the money and have an attorney prepare a contract customized to your business to best protect you if any problems with payment or disagreements should occur.

Continue Client Contact

Although it may become frustrating and time consuming, it’s important for you to keep the clients informed about the job and answer any questions they may have. This is how a company sells its service and emphasizes that the client is the priority.

Keeping clients up-to-date helps them to understand the work progress and what to expect down the line.

When a client contacts you, find the answers to his or her questions and respond as quickly as possible.

Even when clients seem to have excessive concerns, as a professional you must have the answers and communicate information to them effectively.

Track Costs

Track job costs on both labor time and material to reconcile invoices and calculate the profit margins.

If a job looks more complex than average, request bids from subcontractors to stay on budget.

As the costs come in, make copies of the invoices and enter the data. Ask outside vendors to bill monthly by a deadline so that payments can be processed on time. Copies of the invoices are important for the file in case of any future warranty work or if the client asks for an explanation of material costs.

The cost data file should be kept separately from the job file, and also include hourly labor costs -- which encompass holiday and vacation pay, tool and phone allowance, health insurance, and state and federal employment costs.

If you realize a client is only looking at costs when planning a job and you can’t meet the price he or she wants, withdraw politely and say, “Let us know if we can be of service in the future.”

Invoice

Affirming the importance of consistent branding, print professional invoices with your company logo. Use the original proposal from the electronic files, change the heading to invoice, add any change items and print the invoice on letterhead.

All this information enables the client to easily compare it with the original proposal and costs incurred with any changes.

Send the invoices in branded envelopes by regular mail, which demonstrates your professionalism and grasp of important billing details for the client.

Close the Job Right

Before sending the final bill and closing the project, it is important to complete a full accounting of the costs. Once a final invoice is sent, it cannot be retracted and clients become unhappy with unexpected additional charges. Going through the project one more time and waiting for any lagging invoices from vendors can save your company from having to absorb excess costs.

By adhering to these procedures, HCS Construction has created a detailed system to help maintain files, build client relationships, manage projects and complete invoicing.

“Although these steps are basic and work well for us, I have found that it takes some oversight to make sure they are consistently followed,” explained Schwab. Developing a routine and double checking the work can keep the system on track and save headaches from missing files down the road.

“You won’t miss the information until you need it, and then it’s too late,” said Schwab. “Our documentation is thorough and it has proven to be invaluable during sales tax audits and court collection.”

Above all, Schwab advised developing a system that works for your business and establishing it as a routine. This dedication to your business will save both time and money.

For more information about remodeling resources available from NAHB, email Kelly Mack or call her at 800-368-5242 x8451.

11  Lincoln Business Builder

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12  Lincoln Business Builder

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13  Lincoln Business Builder

Tribute to Youth

Tribute to Youth April 11, 2011

Pictured clockwise from top left: 4th & 5th Grade “If I Could Build A House” Art Contest winners; Speaker Aaron Davis; Residential Design Contest winners; Iowa Western Community College Student Chapter and Interior Design Contest winners.

14  Lincoln Business Builder

Tribute to Youth

Pictured clockwise from top left: HUB Executive Director Dwight Brown; MacKenzie Busekist (First Place Interior Design); Austin Mar (First Place Residential Design); Alyssa Johnson (“If I Could Build A House”); Alexandria Velder (“If I Could Build A House”); Shelby Clark (Third Place Interior Design); Grant Roscoe (“If I Could Build A House”) and Cara Woldt (Residential Design Contest).

15  Lincoln Business Builder

Tribute to Youth

Tribute to Youth NAHB Outstanding Student Chapter Competition First Place - SCC-Milford

Outstanding Student Awards Michael DeJonge - SCC-Milford Andrew Schellpepper - UNL

High School Residential & Interior Design Contest Residential Design

Interior Design

First Place, $100 Austin Mar Lincoln East High School

First Place, $100 MacKenzie Busekist Lincoln East High School

Second Place, $75 Cara Woldt Lincoln East High School

Second Place, $75 Hannah Olson Lincoln Southwest High School

Third Place, $50 Hannah Barnes Lincoln East High School

Third Place, $50 Shelby Clark Lincoln East High School

16  Lincoln Business Builder

4th & 5th Grade Art Contest Students • $50 Chase Adams, Pershing Elementary Alexandria Velder, Calvert Elementary Misaki Sandridge-Nishihara, Pershing Elementary Morgan Murphy, Zeman Elementary Chase Chrisp, Zeman Elementary HeeJo Suh, Zeman Elementary Cami McLaughlin, Zeman Elementary Molly Soderquist, Calvert Elementary Alyssa Johnson, Calvert Elementary McKenzie Kapperman, Roper Elementary Grant Roscoe, Roper Elementary Alex Schmura, Roper Elementary

Elementary Schools • $250 Pyrtle Elementary Pershing Elementary Calvert Elementary Roper Elementary Zeman Elementary

2011 Scholarship Winners

2011 Scholarship Winners The Home Builders Association of Lincoln (HBAL) recognized outstanding students at their annual Tribute to Youth Event on April 11, 2011. Among the winners was Austin Mar, a senior at Lincoln East High School. Mar received first place in the Residential Design Contest for the third year in a row and was the recipient of the $1,000 HBAL Scholarship. Other scholarship recipients honored at the Tribute to Youth event were Benjamin Fiene, Ashland-Greenwood High School and Logan Hestermann, Waverly High School.

HBAL Scholarship • $1,000 Austin Mar, Lincoln East High School, was presented the $1,000 HBAL scholarship.

HBAL has quite a history with Austin. He has placed first in the Home Builders Association of Lincoln’s Residential Design competition for the last three years. Judges say his work is outstanding. Austin lettered three years in cross country and track and field and was a varsity swimmer. Austin is also a member of the National Honor Society. He plans to major in Architecture at UNL.

The future lies before you Like a field of driven snow, Be careful how you tread it, For every step will show. ~Author Unknown

Remodelers Council Scholarship • $750 Logan Hestermann, Waverly High School, received the $750 Remodelers Council scholarship. Logan is a varsity soccer player and has participated in cross country, Drama Club and Industrial Technology. He participated in a People to People trip to Europe and was a mentor to academically and emotionally challenged students and is on the honor roll. Logan plans to major in Construction Management.

Home Builders Care Foundation Scholarship • $750 Benjamin Fiene, AshlandGreenwood received a $750 Home Builders Care Foundation scholarship.

Benjamin was Class Vice President, FFA Vice President and on the student council.

He participated in football track, wrestling, band Robotics Club and is a member of the National Honor Society.

Benjamin plans to major in Construction Management and work with an established construction company.

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17  Lincoln Business Builder

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RAVENWOOD 17. 9335 Ravenwood Lane

Schultz Construction 18. 5631 S. 93rd Street

Ironwood Builders

ARTISAN MEADOWS PINE LAKE HEIGHTS 35. 6322 Pomodoro Court 50. 8316 S. Tularosa Court

Smetter Custom Homes, Inc. Don Johnson Homes PINECREST VILLAGE GARDENS WILDERNESS HILLS 2. 1129 Turtle Creek Road 36. 7036 Straffan Place 51. 9625 S. 28th Street

Caseyco, Inc. WHISPERING CREEK

Kinning Design Build

Great Plains Custom Homes 3. 5300 N. 13th Street 19. 6263 Waters Edge Drive 52. 2752 Shadowbrook Drive BIG THOMPSON CREEK

Erickson Homes, Inc.

Wilderness Construction

Great Plains Custom Homes 37. 8331 S. 61st Street 53.

2753 Shadowbrook Drive NORTHBANK PRESERVE VINTAGE HEIGHTS

Vodicka Construction, Inc.

Rybak Homes, LLC 4. 5049 Becky’s Way 20. 6129 Laroche Road GRAND TERRACE 54. 2821 Shadowbrook Drive

Timber Ridge Homes Manzitto Bros. Residential & 38. 8001 Bellagio Drive

Great Plains Custom Homes Commercial Construction NORTH FORTY GOLF

Prairie Home Builders, Inc. 55.

9215 Del Rio Drive 21. 6821 Laurent Circle 5. 8168 Regent Drive YANKEE HILL TOWNHOMES

Rybak Homes, LLC

Woita Homes, Inc.

Stonybrook Homes 39. 8657 Ridge Hollow Drive 56. 9321 S. 29th Street 22. 6836 Chandon Drive PRAIRIE VILLAGE NORTH Cameron Townhomes

Old City Homes, LLC

Cherry Hill Construction, Inc. 6. 8860 Blacksmith Court 57.

9714 Del Rio Drive 23. 9516 Mortensen Court THE WOODLANDS AT

Prairie Home Builders, Inc.

Custom Design Homes, Inc. Cherry Hill Construction, Inc. YANKEE HILL PRAIRIE VILLAGE 40. 9003 S. 72nd Street WILDERNESS RIDGE BOULDER RUN 7. 2955 N. 90th Street

Signature Homes, LLC 58. 9819 Thornwood Circle 24. 8552 Remi Court

Prairie Home Builders, Inc. 41.

9035 S. 72nd Street

Woita Homes, Inc. Buhr Homes, Inc. 8. 2963 N. 90th Street

Signature Homes, LLC 25. 6278 S. 85th Court STONE RIDGE ESTATES

Prairie Home Builders, Inc. 42. 7389 Yankee Woods Drive Goings Homes, Inc. 59. 2427 Emily Lane

Third Generation Builder 26. 6231 Ellie Lane CEDAR COVE

Smetter Custom Homes, Inc. 43. 7390 Yankee Woods Drive

Lewis Homes 9. 2332 Cedar Cove Road ROLLING HILLS RIDGE

Third Generation Builder

Cameron Townhomes BOULDER RIDGE 60. 6531 S. 19th Street 44. 9002 S. 74th Street 27. 6300 Boulder Ridge Court WATERFORD ESTATES

Reserve Design, LLC Bugbee Homes

R & D Custom Homes 10. 10050 Edgewater Lane THE BRIDGES WINDMILL RIDGE ESTATES OLD

South Shore Builders, LLC ACREAGE S n 61.

3111 W. Covered Bridge Drive e 45. 9208 Fairbanks Court 11. 9601 Eastview Road ot Op 28. 5000 S. 190th Street

Rezac Construction N Ironwood Builders

Rybak Homes, LLC

Neighbors Family Homes, Inc. 62. 2821 W. Covered Bridge Drive 12. 9557 Eastview Road SCOTTS CREEK, HICKMAN

Rembolt Homes

Custom Design Homes, Inc. EDENTON WOODS 46. 102 Park Drive Place 63.

2910 W. Gazebo Road 29. 6351 Bo Creek Court 13. 9611 Eastview Road

Vantage Pointe Homes Nelson Construction &

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Old City Homes, LLC THE PRESERVE AT CROSS Design, Inc. HERITAGE LAKES FIRETHORN CREEK CARDWELL RESERVE 30. 7247 S. 94th Court 14. 9341 Tuscan Court 47. 15750 S. 64th Street 64.

7633 SW 17th Street Heritage Builders, Inc. Manzitto Bros. Residential &

MK Builders, Inc.

Reserve Design, LLC 31. 7300 S. 95th Court Commercial Construction GRAINGER HEIGHTS

Lemke Custom Homes HARTLAND HOMES HIMARK ESTATES 48. 3746 Pablo Lane 32. 7310 S. 96th Court SOUTHWEST 15. 8767 Angeline Court

Craig Bauer Construction Co.

Ironwood Builders 65. 1851 SW 27th Street

Gerlach Carpentry, Inc. HORIZON’S VIEW

Hartland Homes HIDDEN VALLEY ESTATES 16. 8933 Sandhills Court 49. 7660 Brummond Drive 33.

7259 Hidden Valley Drive WOODLAND VIEW

Lewis Homes

Aspen Builders, Inc.

Schwinn Homes, LLC 66. 3741 W. Karwat Lane 34. 7262 Hidden Valley Drive

Hausmann Construction

Schwinn Homes, LLC BORGELTS SUBDIVISION 67. 901 Garfield Street

Skyline Homes, Inc.

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18  Lincoln Business Builder

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New Members | Directory Changes | Cancellations

Welcome New Members

Innovative Homes & Design, Inc. Principal: Mark Resseguie

3700 Village Drive, Ste. 600, Lincoln, NE 688516-4785 Phone: 402-423-6565 Fax: 402-423-7562 Email: innovativehomes@windstream.net Sponsor: Dan Klein, Sr., Regal Building Systems, Inc.

Midwest Unlimited, LLC Principal: Todd Fallon

1000 Oak Street, Lincoln, NE 68521 Phone: 402-434-5446 Email: toddf@midwestunlimited.com Sponsor: Lois Hartzell, Vistar Homes, Inc. Reason I joined HBAL: To obtain a better understanding of the fall safety needs of the local market What I hope to get out of my membership: Feedback from end users to ensure product design meets function Desired areas of involvement with HBAL: Seminar sponsorship for hands-on training HBAL committees of interest to you: Political Action Committee Company Information: We’re located at 11th & Cornhusker. We began as a machinery and supply house in 1947. The company has grown to meet ever changing safety needs of workers at height as well as rigging and general PPE. Personal: MLB Baseball, Nebraska Athletics, fishing, golfing. I’ve lived in Nebraska my entire life and graduated from UNL in 2004.

Golden Rule Contractors Principal: Matthew Burkey

195 – 364th, Beaver Crossing, NE 68313 Phone: 402-641-2214 Email: goldenrulecontractors@gmail.com

Fax: 402-939-0100

Sponsor: Justin Brandt, Home Solutions of Nebraska Reason I joined HBAL: To make more contacts and stay up to date with changes, etc.

Company Information: Family owned business started in 1996.

Other organizations I belong to: BBB, Seward Chamber of Commerce

Directory Changes Address Changes • New address for Barber Homes & Remodeling is 7153 Shamrock Road, Lincoln, NE 68506.

Email Changes • New email address for Security Fence Co. is greg@securityfence-ne.com.

Fax Changes • New fax number for Tillotson Enterprises, Inc. is 402-466-0305.

Company Changes • Ange Manzitto, Manzitto Bros. Residential & Commercial Construction, is no longer an affiliate member.

• Andrew Hartman is the new principal at Hartland Homes and Duane Hartman is now an affiliate member.

• New fax number for JL Exteriors, Inc. is 877-720-4518.

Their new website is www.exteriordesignbyjl.com.

• Dan Mlnarik with Home Real Estate is no longer an affiliate member.

• Colin Emmons with RE/MAX Real Estate Concepts is no longer an affiliate member.

Sorry to See You Go! If you see your company listed below, contact HBAL at 402-423-4225 to renew your membership TODAY!

Morrow Interiors, Inc.

Moving?

Robison Design Build, LLC Principal: Dick Robison

1221 Evergreen Drive, Lincoln, NE 68510 Phone: 402-488-5650 Cellular: 402-730-2807 Fax: 402-488-5650 Email: robisonconstruction@hotmail.com Sponsor: Greg Schwinn, Schwinn Homes, LLC Reason I joined HBAL: To support the industry and association.

What I hope to get out of my membership: Information, education and affiliation.

Desired areas of involvement with HBAL: Wherever I can help.

Company Information: I went to UNL and received a bachelor’s degree in architecture and started building in the late 70’s. I do design oriented new homes and remodeling residential and commercial.

Personal: Ann, my wife of 35 years, and I have three adult children.

Our favorite hobby is seeing our two granddaughters (ages 4 and 2) and my next favorite form of recreation is tennis.

20  Lincoln Business Builder

Be sure to contact the HBAL Office at

402-423-4225

to update your contact information.

Renewals

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Thanks for Renewing Your Membership!

(Please allow 60 days for names to appear on this list.)

Apollo Steel Co., 13 years Athey Painting, Inc., 38 years Barcroft Building, Inc., 2 years Buss Excavating, Inc., 17 years Campbell’s Kitchen Cabinets, Inc., 22 years Cassandra Lynn Design, LLC, 2 years Cherry Hill Construction, Inc., 34 years Craig Bauer Construction Co., 8 years Glesmann Appliance, 2 years Hartland Homes, 26 years Infinity Excavating, 2 years Jerry’s Basement Waterproofing, Inc., 15 years KFOR Radio, 42 years KLMS Lincoln’s Most Sports, 18 years KTGL The Eagle 92.9, 23 years KZKX, 25 years Lowe’s, 4 years Manzitto Bros. Residential & Commercial Construction, 30 years Roth & Troyer Construction, Inc., 5 years Sherwin-Williams Co., 8 years Shine-a-Blind Nebraska, Inc., 2 years Stonebrook Roofing, Inc., 5 years Walton Construction, Inc., 5 years Wells Fargo Home Mortgage, 20 years

21  Lincoln Business Builder

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For reservations call: 877.670.7088 *Best Available Rate” is defined as the best, non-qualified, publicly available rate on the Internet for the hotel, date and accommodations requested. The discount for International properties may be less than or equal to 20% of Best Available Rate. Certain restrictions apply. To redeem this offer call the hotel brand phone number above and give ID at the time of reservation. Offer not valid if hotel is called directly,caller must use toll free numbers listed above.

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22  Lincoln Business Builder

Safety Tip

Almost Any Brick You Use Can Last for Hundreds of Years.

So Be Particular.

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Safety Tip: Wear Equipment to Protect the Head, Eyes and Hearing April 4, 2011 - Builders, remodelers, workers and visitors on a job site should follow safe work practices and wear personal protective equipment (PPE) - protective clothing, hard hats, safety glasses, face shields and ear protection - to safeguard against existing or potential hazards that can occur on residential sites.

Wearing PPE is often required by Occupational Safety and Health Administration (OSHA) regulations.

The following safe work practices should be followed on the job site:

Hard hats

OSHA regulation (29 CFR 1926.100(a)) requires that hard hats be worn on the job site whenever workers are in areas where there is a possible danger of head injury from overhead impacts or falling or flying objects, or when the danger of electrical shock is present.

OSHA recommends that workers wear hard hats at all times on a construction site and considers this a good work practice. However, unless those dangers are present, wearing a hard hat is not necessary.

OSHA also recommends inspecting hard hats daily for cracks, tears or other deformities that can weaken the protective helmet; they should be replaced if they are damaged.

Eye and Face Protection

OSHA regulation (29 CRF 1926.102) requires that eye and face protection be worn when machines or operations present potential eye or face injuries from any physical or chemical hazards.

For example, OSHA specifically requires workers cutting bricks to wear a face shield to protect themselves from flying debris the saw may create. Additionally, builders and remodelers who require their workers using pneumatic nailers to wear safety glasses are following a good safe work practice.

Acceptable safety glasses must be marked as meeting the requirements of the ANSI Z87 standard.

Hearing Protection

OSHA requires hearing protection to be provided and used when employees are exposed to noise levels at or above 90 dBA for an eight-hour time weighted average.

Note: For exposure to high levels of noise exposure for a shorter period of time, hearing protection may still be required for employees; refer to Table D-2 in OSHA’s noise regulation.

When it comes to cabinetry, Millard Lumber offers a vast and diverse selection. Whether it’s a color, finish, or look, Millard Lumber has the solution to any builder or contractors needs. Stop by our Design Center today for design assistance and free estimates. Millard Lumber also offers installation for all cabinets and hardware.

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Common tasks on a residential construction site that can require hearing protection include: • Cutting bricks and blocks • Using pneumatic nailers • Using saws to cut material • Operating heavy machinery Workers should always follow the manufacturer’s recommendations for the safe use and maintenance of personal protective equipment.

For information on workplace safety resources available from NAHB, email Rob Matuga, or call him at 800-368-5242 x8507.

23  Lincoln Business Builder

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24  Lincoln Business Builder

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Adding Value To Your Home

Adding Value To Your Home Which home remodeling projects are the best ones for those looking for a solid return on their investment — and higher profits come selling day?

Americans spent over $114 billion on home remodeling in 2009, according to the National Association of Home Builders (NAHB). Remodeling is expected to outpace new home building in about 10 years.

But all home remodeling projects are not equal. Here are some top ways to add value to your home:

A Home Office Remodel Home offices are becoming less of a luxury and more of a necessity, with more people telecommuting. The number of Americans that work from home is in the millions, and that number has continued to grow every year. With many companies cutting costs and becoming more aware of their carbon footprints, telecommuting has become a viable solution for many in the working world. Making sure that your home has a state-of-the-art space for potential teleworkers is a surefire way to increase your home’s value.

Renovate or Add a Family Room.

With open floor plans becoming more in demand, a family room is an excellent way to make existing homes more like new construction. Remember, it’s a good idea to keep in mind what homes in your area are like. People like to purchase homes that blend with other homes around them.

Chances are you’ll find many of your neighbors are investing in family rooms as well.

Replace the Roof.

Paint, Paint, Paint.

Enough said. But remember to hire a professional if you need help and keep the colors neutral if you’re looking to sell. Nothing looks worse than a poorly done paint job in bright fuchsia.

Remodel Your Kitchen.

Small changes can result in big value. Upgrading appliances, door handles and painting tired walls can add new life to your kitchen, and add value to your home. The general rule when doing a remodel is not to overdo it…unless it’s the kitchen. Kitchens sell a home, and in this case, size does matter. But a kitchen remodel is a long-term investment; you’ll see payback 10 years down the road. And if you are a DIYer, know your limits. Sometimes doing it yourself can save money, but always bring in a professional for the big jobs.

Remodel or Add a Bathroom.

A bathroom remodel can often mean simply making the most of your current space, by upgrading fixtures, flooring and lighting. Have a little more money in the budget? Adding a bathroom is a great way to increase the value of your home. Is your only bathroom upstairs and not convenient for dinner guests? Often the area under a set of stairs is the perfect place for a powder room.

For more information on adding value to your home through remodeling, visit www.nahb.org/remodel.

For more information about this item, please contact Gwyn Donohue at 800-368-5242 x8447 or via e-mail at gdonohue@nahb.org.

The roof is one of the first impressions people have of a home. Make sure yours passes the test by replacing an old roof. You can also change the character of your home by looking into architecturally styled roofing tiles.

Landscape Your Yard.

Along the same lines of thinking as the roof, landscaping can give a great – or not so great – first impression. Backyard landscaping can transform ordinary spaces into incredible entertaining areas by including elegant water features and lush plants. Consider your area’s climate. If you live in an area that receives temperate weather year-round, you’ll find that your new landscaped yard adds value to your home and increases your living space.

Replace Old Windows.

Thirty percent of a home’s energy is lost through its windows. Replacing old windows with energy-efficient ones signals to home buyers that you really care about the house and it reflects on the quality of the house as a whole. Plus, who doesn’t like to save money on energy bills?

Remodel Your Basement.

Look at space you already have. Do you have unused space that serves as a black hole for all things without a home? Try remodeling your basement. Remodeled basements can make excellent game rooms or guest suites, adding value to your home without adding space.

25  Lincoln Business Builder

Building Permit Update Building Permits

City of Lincoln - 10 -Year Table

SF=detached single family - TH=townhouses - MF=multi-family (including duplexes)

Jan. Feb. March YTD

SF 69 108 93 270

2002 TH 14 9 23 46

MF 81 6 2 89

SF 98 103 136 337

2003 TH 8 33 24 65

MF 4 2 90 96

SF 74 73 137 284

2004 TH 8 9 18 35

MF 5 24 20 49

SF 54 66 92 212

2005 TH 21 10 11 42

MF 0 4 4 8

SF 72 58 82 212

2006 TH 14 20 17 51

MF 0 2 16 18

SF 40 35 59 134

2007 TH 8 4 40 52

MF 4 12 112 128

SF 35 22 41 98

2008 TH 19 0 28 47

MF 6 4 2 12

SF 11 29 30 70

2009 TH 14 2 14 30

MF 0 3 2 5

SF 24 32 42 98

2010 TH 7 18 6 31

MF 2 60 8 70

SF 22 26 42 90

2011 TH 0 0 10 10

MF 4 20 180 204

Remodeling Permits: Additions City of Lincoln - Detached Single Family - 8 - Year Table

Jan. Feb. March Total Avg. Cost

2004 2005 2006 2007 2008 # Cost # Cost # Cost # Cost # Cost 13 177,199 8 119,859 19 333,000 7 87,400 9 1,364,460 11 331,083 14 180,030 13 426,676 4 314,300 9 141,600 43 704,532 36 382,380 34 613,750 33 1,283,155 36 589,154 67 1,212,814 58 682,269 66 1,373,426 44 1,684,855 54 2,095,214 18,102 11,763 20,809 38,292 38,800

2009 2010 2011 Cost # Cost # Cost 2 52,000 6 152,980 3 80,100 5 125,240 3 99,500 7 178,700 10 206,900 11 317,000 18 452,005 17 384,140 20 569,480 28 710,805 22,596 28,474 25,386

#

Remodeling Permits: Alterations City of Lincoln - Detached Single Family - 8 - Year Table

Jan. Feb. March Total Avg. Cost

2004 Cost 66 699,013 71 731,756 102 923,393 239 2,354,162 9,850

#

# 68 67 109 244

2005 Cost 774,591 910,004 1,213,341 2,897,936 11,877

# 89 87 100 276

2006 Cost 1,007,372 967,125 1,147,674 3,122,171 11,312

#

88 78 107 273

2007 2008 Cost # Cost 1,163,863 81 907,619 909,207 76 947,505 1,280,089 89 800,412 3,353,159 246 2,655,536 12,283 10,795

#

71 76 72 219

2009 Cost 784,232 706,588 946,927 2,437,747 11,131

2010 Cost 57 502,454 69 600,743 125 1,229,150 251 2,332,347 9,292

#

2011 Cost 69 988,395 79 893,584 104 900,086 252 2,782,065 11,040

#

West Gate Bank is Lincoln’s Bank

for Mortgage and

Construction Loans

Scott Williamson

Susan Bredthauer

Adam Flanagan

Vice President Mortgage Lender 323-6521

Vice President Mortgage Lender 434-3473

Construction Lender 323-8968

Whether you’re building, buying, or refinancing, choose West Gate Bank for your home loan. Contact one of West Gate Bank’s experienced lenders or go to www.westgatebank.com to get started on your home loan today. www.westgatebank.com | 434-3456 | member FDIC | Equal Housing Lender

West Gate Bank

LincoLn’s Bank

26  Lincoln Business Builder

27 ď ´ Lincoln Business Builder

Call For All Your Exterior Needs!

Contact Us Today For A Free Estimate

Home Builders Association of Lincoln 6100 S. 58th Street, Suite C Lincoln, NE 68516

PRST STD US POSTAGE PAID LINCOLN NE PERMIT NO 51

Lance Roach President

Cell 402-730-6333

ADDRESS SERVICE REQUESTED

Fax 402-421-2005

Jlexteriors@yahoo.com www.jandlexteriors.com Certified Lead Renovator

Would you prefer homebuyers put more money into their homes, or their utilities?

While ENERGY STAR® qualified homes cost a little more, they’re at least 15 percent more efficient than the 2004 International Residential Code. Their energy savings more than offsets any additional cost. Which makes them more affordable to own. And more profitable to build.

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The 7” x 4.5” space above is available for an ad.

For more information, please contact Jennie at 402-423-4225 or jennie@hbal.org.