Lincoln Business Builder (November 2013)

The LINCOLN BUSINESS BUILDER November 2013

Published monthly by the Home Builders Association of Lincoln Volume 50 No. 11

November General Membership Meeting & Election of Officers Monday, November 11 6:00 p.m. - Social • 7:00 p.m. - Dinner

Guest Speaker: Jon Goldman

Raised in the advertising business, Jon is the creator of Lumpy Mail® and is responsible for successes for clients large and small. His strategies have generated dramatic results, such as a 27% response rate for Häagen-Dazs, nearly 50% for the Atlanta Hawks. He has done work for IBM, Purina and Nickelodeon, as well as countless small- and mid-size businesses, and his work has been featured on NBC and CBS and in The Wall Street Journal and BusinessWeek.

Read more on page 5.

Nebraska Champions Club 707 Stadium Drive Cost: $10 for HBAL Members or $20 for guests Save us a call and send your RSVP by November 5 to info@hbal.org or call 402-423-4225.

Business & Marketing Bootcamp With Jon Goldman

Builder Marketing Moves to Make Now Monday, November 11

Managing a Multi-Generational Workforce Tuesday, November 12

Register for Both and SAVE! See page 5 for more information.

Scan this QR code with your smartphone to view the Lincoln Business Builder on the go!

Need a QR code scanner? It’s easy and free to download an application from your service provider.

In this issue...

• Santa Cop & Toy Drive page 4 • Christmas Party: Dueling Duo & Reverse Raffle page 6 • HBAL Election of Officers pages 20-22

www.nebtitleco.com

President’s Message November 2013 Vol. 50, No. 11

Contents President’s Message 3 Upcoming Events 4 Santa Cop 4 Business & Marketing Bootcamp 5 HBAL Christmas Party 6 Member News 7 November is Spike Appreciation Month 8 Mike Dynasty Membership Drive 9 Financial Column 11 New Index Shows Housing Markets Back to Normal in 52 Metros 13 6th Annual Sporting Clay Shoot 14-17 Get Your Roof Ready for Winter 18 2014 HBAL Election of Officers 20-22 Minimum Interference 23 New Members 24 Directory Changes 24 Cancellations 24 Renewals 25 Building Permits 26

President’s Message Mike Rezac HBAL President As Nebraskans we get to enjoy the changing of the seasons and the opportunities that come along with each of them. I’ve transitioned from fishing (shown above) to hunting. You may be following your children or grandchildren with their school activities or supporting your favorite fall sports teams. Opportunities such as these are important to our quality of life!

The Fall Parade of Homes and Lincoln Home Builders Care Foundation – Sporting Clay Shoot made for a busy October. Although smaller in size, reports from builders participating in the Fall Parade say this may have been one of the best events in more than a decade. Thank you to the advertisers and sponsors who assist in making these events a success!

On the technical side, members of HBAL continue to monitor, discuss and offer solutions to industry issues involving lot valuations, impact fees, clean water program (stormwater quality), reForm (design standards) and more. The codes, regulations and requirements placed upon our industry greatly affect our bottom line, but also the goal of being able to offer safe, affordable housing to the members of our community.

Whether fully developed or a diamond in the rough, we each have interests, expertise, experiences and knowledge we can share for the greater good of our association and industry. There is wisdom in knowing where to sow extravagantly to reap the bountiful harvest!

I’ll see you at the Nebraska Champions Club on November 11th!

Home Builders Association of Lincoln

Executive Committee

6100 S. 58th Street, Suite C, Lincoln, NE 68516 (402) 423-4225 phone • (402) 423-4251 fax www.hbal.org • info@hbal.org

Mike Rezac, President

Jeff Bielenberg

Mike Kinning, President Elect

National Directors

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.

Mike May, 1st Vice President Perry Haralson, 2nd Vice President Lori Pippitt, CKD, CGR, CAPS, Secretary Bob Bryant, Treasurer

The Home Builders Association does not accept responsibility for or endorse any statements or claims made by advertisers or authors of any articles.

Dan Klein, Sr., Immediate Past President

The annual subscription rate is included with your membership dues.

Mark Aksamit, Jess Baker, Roger Bumgarner, Ruth Hietbrink, Eric Hoke, Justin Johnson, Matt Kleinschmit, Jerry Maher, CGP, CAPS, CGB, Chuck Pfenning, Herb Reese, CGR, CAPS, Lance Roach, Ken Svoboda

Mike Benker Jennie Korth

Publisher Editor, Photographer, Design

HBAL Staff

Mike Benker, Executive Vice President

Board of Directors

Remodelers Council Dan Klein, Sr. Justin Johnson, Alternate

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 Allen Barber, Jerry Boyce, Steve Fulton, CGP, Mike Goings, CGP, CSP, Lois Hartzell, GMB, CSP, Rick Krueger, Dan Kubr, Donn Mann, Sam Manzitto, Roger Reynolds, CGR, CAPS, Greg Shinaut, CGP

Michaela Harrison, Jennie Korth & Melissa Hilgenkamp

3  Lincoln Business Builder

Upcoming Events | Santa Cop

Calendar of Events Nov. 9

Santa Cop Lincoln Northeast High School Shop 2635 N. 63rd Street (west side of school) 8:00 a.m. - until completion

Nov. 11

Business & Marketing Bootcamp: Builder Marketing Moves to Make Now Nebraska Champions Club 2:00 - 3:30 p.m. • $50 for HBAL Members

Nov. 11

General Membership Meeting & Election of Officers Nebraska Champions Club 6:00 p.m. Social • 7:00 p.m. Dinner • $10 for HBAL Members

Nov. 12

Business & Marketing Bootcamp: Managing a Multi-Generational Workforce Cornhusker Bank • 6100 Apple’s Way 9:00 - 10:30 a.m. • $50 for HBAL Members

Nov. 13

Remodelers Council Meeting Cornhusker Bank • 6100 Apple’s Way • HR Compliance Tara Stingley of Cline, Williams, Wright, Johnson & Oldfather 11:30 a.m. • $8.00 per person

Nov. 14

HBAL & LHBCF Board of Directors Meetings HBAL Office • 6100 S. 58th Street, Ste. C 10:30 a.m. & 11:45 a.m.

Nov. 28-29

Thanksgiving (Office Closed)

HBAL’s Toys for Santa Cop Project Saturday, November 9, 2013 8:00 a.m. ~ Until Completion Lincoln Northeast High School Shop 2635 N. 63rd Street • west side of school Thanks for all you do to make this annual project a great success!

Donations to help pay for the materials may be sent to: Lincoln Home Builders Care Foundation 6100 S. 58th Street, Suite C • Lincoln, NE 68516 RSVP to 402-423-4225 or fax 402-423-4251 ____ I cannot attend, but here is my donation of $_____ to the Santa Cop Project. ____ Yes, I will be there.

My guests: _________________________

___________________________________ ____ No, I can’t attend.

Name: ______________________________________ Company: __________________________________

You don’t have to be a carpenter to help. We have lots of jobs for the inexperienced but willing workers!

Toy Donations Although we have discontinued the Dolls vs.

Wheels toy drive, HBAL will be happy to accept your donation. Any toys dropped off at the HBAL office will be distributed to local charitable organizations in time for Christmas. Please contact the HBAL office at 402-423-4225 for more information.

4  Lincoln Business Builder

Business & Marketing Bootcamp

Business & Marketing Bootcamp Jon Goldman, President, Brand Launcher

RSVP for both classes and SAVE! • $80 for HBAL Members • $120 for Non-Members

Builder Marketing Moves to Make Now

Managing a Multi-Generational Workforce

Nebraska Champions Club 707 Stadium Drive Parking is available in the garage south of the Champions Club.

Cornhusker Bank 6100 Apple’s Way

Monday, November 11 • 2:00 - 3:30 p.m.

Cost:

$50 for HBAL Members • $70 for Non-Members

“Me-too” marketing doesn’t cut it in today’s competitive marketplace. Your prospects are savvy and cynical -- and there’s always someone to undercut you. In this challenging environment, the traditional sales-and-marketing approach is Dead On Arrival.

In this powerful, eye-opening session, you’ll discover practical, real-world strategies that you can use immediately in your building business. Here’s what you’ll learn: • The RIGHT way to get more word-of-mouth referrals • How to generate “buzz” for your business – without spending a fortune • The single most powerful word to use in your marketing (not ‘free’ or ‘you’) • A simple idea that cost only $4,800—but brought in nearly $750,000 in sales!

Registration Form Yes, I would like to attend: o Builder Marketing Moves to Make Now o $50 for HBAL Members o $70 for Non-Members o Managing a Multi-Generational Workforce o $50 for HBAL Members o $70 for Non-Members o Both Monday afternoon & Tuesday morning sessions o $80 for HBAL Members o $120 for Non-Members Name: Company: Phone: Email: o Check enclosed o Please bill me (HBAL members only) Fax to 402-423-4251 or Mail to HBAL, 6100 S. 58th Street, Ste. C, Lincoln, NE 68516

Tuesday, November 12 • 9:00 - 10:30 a.m.

Cost:

$50 for HBAL Members • $70 for Non-Members

Chances are, your construction business will soon include Baby Boomers (born 1946-1964), Generation X (60s and 70s), and Gen Y (1982-2000). They don’t just think, talk, and work differently -- they have different expectations of themselves, each other, and you. As the owner or manager, you are responsible for making it work… but how do you do that when your employees and subs come from different worlds? This session shows you how to “bridge the gap” --even between employees who are 40 years apart.

• Understand the expectations of Boomers, Xers, and Yers regarding the 3 P’s: Policies, Promotions, and Personal space • Avoid becoming a Referee by encouraging employees to “intercommunicate” • Utilize the power of Recognition in your business across generational lines Jon Goldman is Founder and President of Brand Launcher, a strategic business and marketing company focused on supporting entrepreneurs in their businesses and their lives. The company’s international team includes coaches who are expert in marketing, business operations, sales, and management. Previously he was co-owner of one of the largest promotional-products companies in the US, with sales of $20,000,000+. Over the span of his career, he and his team have worked with companies including IBM, National Geographic, and Häagen-Dazs, in addition to numerous small-to-midsized businesses.

A successful entrepreneur, rainmaker, business coach, and speaker, Jon’s powerful presentations have attendees laughing, participating –even jumping in the aisles! Jon’s fresh approach, combining marketing savvy with deep personal insight, has been rated “#1 for Presentation Style and Takeaway Content.”

He is the author of two works on business and marketing strategy, including one that has been translated into Japanese. Goldman’s weekly e-letter brings a wealth of business growth and marketing tips to thousands of subscribers. His campaigns have been featured on NBC and CBS and in The Wall Street Journal and BusinessWeek.

5  Lincoln Business Builder

Dueling Pianos Request Show

HBAL Christmas Party AnDy GIbSon +

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Dueling Duo Dueling Pianos Request Show

HBAL Christmas Party Friday, December 6, 2013

6:30 p.m. - Social • 7:30 p.m. - Dinner

Nebraska Champions Club Figure 1

707 Stadium Drive Figure 1

Cost: $35 per person or $30 per person for companies who bring five or more guests.

Join us for the Dueling Duo! Andy Gibson and Ryno will play your request and may add a little twist too! This is the only dueling pianos show with an amazing fiddle and saxophone player, Dan Witte. Get ready for a great time!

esreveR

Raffle

For $25, you receive a chance to win

$1,000 CASH Only 200 tickets will be available for purchase at the November 11th General Membership Meeting, HBAL Office or HBAL Christmas Party until sold out.

Winner will be determined at the HBAL Christmas Party. You do not have to be present to win, but it would be a lot more fun if you were!

Proceeds will benefit the Lincoln Home Builders Care Foundation.

6 ď ´ Lincoln Business Builder

Member News

Member News In Sympathy Lunch is on us!

Our sympathy to Mark and Amy Bartolome, BK Restoration & Remodeling, and their family on the death of Mark’s father, Jim Bartolome who passed away on September 30. Jim was president of HBAL in 1980.

Congratulations

Congratulations to

Matthew Burkey,

Golden Rule Contractors

on winning the October drawing!

We will be in touch to make plans for your free lunch!

Duane & Connie Helmink (CDS, Inc.) They are the proud grandparents of a baby boy

Devin Duane 10 lbs. • 23 Inches Born October 17, 2013 Parents: BJ & Katie Helmink Big Sister: Evie

The staff at Noakes Refrigeration Heating & Air Conditioning enjoyed lunch on HBAL last month.

7  Lincoln Business Builder

November is Spike Appreciation Month

November is Spike Appreciation Month Spike Club Q & A

Top Ten Spikes as of August 31, 2013

What are the benefits of becoming a Spike?

The real benefits are intangible: You are recognized for your contributions to the association and regarded as an accomplished and connected member. Additionally, Spikes receive: • A coveted invitation to the biggest party of the year, the Spike Party at the International Builders’ Show®* • Increased visibility, recognition and networking opportunities at industry events • Unique and valuable lapel pins for each level of achievement • Additional VIP treatment throughout the year * Eligibility postcards are sent only to eligible Spikes who have at least six credits and one new member recruitment credit between Nov. 1 of the previous year and Oct. 31 of the current year. For example, if a Spike who otherwise meets the attendance criteria recruits a new member in December 2012, this will satisfy the new member recruitment criteria and s/he will be eligible to attend the 2014 Spike Party. As always, the recruitment credit may be composed of one full credit received when a new Builder or Associate member is recruited or two ½ credits received when Affiliate or Council members are recruited.

How do I become a Spike?

Before becoming a Spike, you are a Spike candidate. That means you have earned between one and five and a half credits. Once you earn your sixth credit, you become an official NAHB Spike!

Spike credits are earned by recruiting and retaining NAHB and Council members.

How do I earn Spike credits?

Members earn one credit for each new member they sponsor.

When that member renews after his or her first year of membership, the sponsoring member automatically gets one renewal credit. Every year the member renews thereafter, the sponsoring member will receive a ½ renewal credit.

Spikes receive a ½ credit for recruitment and a ½ credit for the renewal of Affiliate members.

Will I earn Spike credits for recruiting and retaining members into a Council?

Yes, when a new Council membership is activated the recruiter earns a ½ credit, and when that member renews his or her council membership, the sponsor earns ½ retention credit for each renewal.

What are the Spike Club levels?

1-5 Credits

Blue Spike

6 Credits

Life Spike

25 Credits

Green Spike

50 Credits

Red Spike

100 Credits

Royal Spike

150 Credits

Super Spike

250 Credits

Statesman

500 Credits

Grand Spike

1000 Credits

All-Time Big Spike

1500 Credits

8  Lincoln Business Builder

Jim Crawford Jim Christo Joe McKee Sam Manzitto Bob Gabriel John Hoppe, Jr. Steve Fulton Roger Reynolds Mike Goings Tom Trainor

688.00 572.00 511.00 429.75 379.25 349.50 344.00 298.25 256.25 240.00

Do you know someone who is not an HBAL member but would benefit from

a healthy housing industry?

Would you like the chance to win up to $500 CASH? Do you enjoy the show “Duck Dynasty” and watch it religiously?

If you answered yes to any of these questions, then we would love to have you be a part of the Mike Dynasty Membership Drive! See the Mike Dynasty Membership Drive page for more information.

H

Spike Candidate

1.

2.

3.

4.

5.

6.

7.

8.

9.

10.

Mike Dynasty Membership Drive

Team Mike1

Current Standings 1st Place

Mike Kinning New Members: 5 x $50 = Potential prize winnings: $250

2nd Place

Vladimir Oulianov New Members: 4 x $40 = Potential prize winnings: $160

Recruiting Tools

Available at www.hbal.org/members/mike-dynastymembership-drive/ • The “6 Reasons” card can be printed directly from the HBAL website and shared with prospective members.

• A sample letter can be downloaded and formated to fit on your letterhead.

Mail it along with a HBAL Membership Packet which can be picked up from the HBAL office.

• A sample email is also available to send to prospects along with an application and “Your Sure Path to Savings” flyer.

• Request a list of cancelled members or hot prospects from the HBAL office.

• Review your business contacts and encourage them to join.

• Anyone who benefits from a healthy housing industry should be a member of HBAL. Download a helpful list of company categories to think about and start recruiting today!

Membership Drive Ends November 11 Submit your recruit’s application by the conclusion of the November General Membership Meeting to be considered for the Membership Prize.

3rd Place

2-way tie for 3rd Place New Members: 2 x $30 = Potential prize winnings: $60 or $30 per winner

Alan Sutton (1)

• Campbell Construction New Homes, Inc.

Donna Youngquist (1) • Erickson Homes

Linda Potter (1)

• Hoback Custom Homes

Steve Champoux (1) • Legacy Homes

Jerry Boyce (1)

• Lincoln/Lancaster County Habitat for Humanity

Mike Kinning (5) • • • • •

X Foundations, LLC Cory Reimnitz - Mutual of Omaha Sound & Security Innovations RCI Roofing Supply Company, Inc. Chet’s Transfer, Inc.

John Hoppe, Jr. (1) • A & A Contracting

Bob Ruskamp (1)

• Anden Bruns Construction

Bob Weichert (1)

Membership Prizes 1st Place Prize

• Inspired Composites

Lance Roach (1)

• James Hardie Building Products

$50 per new member recruited up to $500

2nd Place Prize

$40 per new member recruited up to $400

3rd Place Prize

$30 per new member recruited up to $300

Bonus Prize

$100 for the first 10 members who recruit 10 new members Membership contest runs from January 1, 2013 to November 11, 2013. For complete rules or to find out which team you’re on, contact HBAL at 402-423-4225.

$250 Participation Award Participate in the most HBAL or Remodelers Council meetings and events and receive $250 in cash!

Contest runs April 15, 2013 to December 12, 2013.

In case of a tie, the cash prize will be distributed evenly among the winners. Volunteering for or paying to attend/ participate in an event qualifies as an entry in this contest.

Lunch is on us!

Each month one lucky HBAL member will receive a free lunch on us! Lunch will be brought to your office or jobsite by a member of the HBAL staff or Membership Committee.

One drawing will be held each month from April 11, 2013 to December 12, 2013. Additional chances can be obtained by filling out an entry form or dropping your business card at an HBAL or Remodelers Council meeting or event or at the HBAL office. Only one entry per person per meeting/event.

Team Mike2 Vladimir Oulianov (4) • • • •

DeRun Construction and Homes, Inc. Dun-Rite Homes, Inc. Geysun Style Homes, Inc. Manion Construction, Inc.

Pat Ohmberger (1) • Legacy Construction

Terry Kraft (1)

• Prudential Ambassador Real Estate

Kirk Havranek (1)

• Beckman Foundations, Inc.

Team Mike3 Stephanie Krueger-Ponce (1) • A & G Concrete

Fred Hoppe (1) • DLR Group

Mark Lewis (1) • Entity Designs

Justin Johnson (2)

• Holz Lawn & Landscaping • The Hoppe Law Firm

Jim Crawford (1)

• James Moock, CPA

Brian Hester (1)

• Trademark Builders

Pat Mooberry (1)

• Willow Ridge Builders

Mike Rezac (2)

• Big Red Tire Pros • Swanson Russell

9  Lincoln Business Builder

Bob Nohavec Plumbing

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10  Lincoln Business Builder

Financial Column

Retirement Plans for Small Businesses

If you’re self-employed or own a small business and you haven’t established a retirement savings plan, what are you waiting for? A retirement plan can help you and your employees save for the future.

Tax advantages

A retirement plan can have significant tax advantages: • Your contributions are deductible when made • Your contributions aren’t taxed to an employee until distributed from the plan • Money in the retirement program grows tax deferred (or, in the case of Roth accounts, potentially tax free)

Types of plans

Retirement plans are usually either IRA-based (like SEPs and SIMPLE IRAs) or “qualified” (like 401(k)s, profit-sharing plans, and defined benefit plans).

Qualified plans are generally more complicated and expensive to maintain than IRA-based plans because they have to comply with specific Internal Revenue Code and ERISA (the Employee Retirement Income Security Act of 1974) requirements in order to qualify for their tax benefits. Also, qualified plan assets must be held either in trust or by an insurance company. With IRA-based plans, your employees own (i.e., “vest” in) your contributions immediately. With qualified plans, you can generally require that your employees work a certain numbers of years before they vest.

Which plan is right for you?

With a dizzying array of retirement plans to choose from, each with unique advantages and disadvantages, you’ll need to clearly define your goals before attempting to choose a plan. For example, do you want: • To maximize the amount you can save for your own retirement?

• A plan funded by employer contributions? By employee contributions? Both?

• A plan that allows you and your employees to make pretax and/or Roth contributions?

• The flexibility to skip employer contributions in some years?

• A plan with lowest costs? Easiest administration?

The answers to these questions can help guide you and your retirement professional to the plan (or combination of plans) most appropriate for you.

SEPs

A SEP allows you to set up an IRA (a “SEP-IRA”) for yourself and each of your eligible employees. You contribute a uniform percentage of pay for each employee, although you don’t have to make contributions every year, offering you some flexibility when business conditions vary. For 2013, your contributions for each employee are limited to the lesser of 25% of pay or $51,000. Most employers, including those who are self-employed, can establish a SEP. SEPs have low start-up and operating costs and can be established using an easy two-page form. The plan must cover any employee aged 21 or older who has worked for you for three of the last five years and who earns $550 or more.

compensation. In general, each employee with a year of service is eligible to receive employer contributions, but you can require two years of service if your contributions are immediately vested.

401(k) plans are required to perform somewhat complicated testing each year to make sure benefits aren’t disproportionately weighted toward higher paid employees. However, you don’t have to perform discrimination testing if you adopt a “safe harbor” 401(k) plan. With a safe harbor 401(k) plan, you generally have to either match your employees’ contributions (100% of employee deferrals up to 3% of compensation, and 50% of deferrals between 3 and 5% of compensation), or make a fixed contribution of 3% of compensation for all eligible employees, regardless of whether they contribute to the plan. Your contributions must be fully vested.

Another way to avoid discrimination testing is by adopting a SIMPLE 401(k) plan. These plans are similar to SIMPLE IRAs, but can also allow loans and Roth contributions. Because they’re still qualified plans (and therefore more complicated than SIMPLE IRAs), and allow less deferrals than traditional 401(k)s, SIMPLE 401(k)s haven’t become popular.

Defined benefit plan

A defined benefit plan is a qualified retirement plan that guarantees your employees a specified level of benefits at retirement (for example, an annual benefit equal to 30% of final average pay). As the name suggests, it’s the retirement benefit that’s defined, not the level of contributions to the plan. In 2013, a defined benefit plan can provide an annual benefit of up to $205,000 (or 100% of pay if less). The services of an actuary are generally needed to determine the annual contributions that you must make to the plan to fund the promised benefit. Your contributions may vary from year to year, depending on the performance of plan investments and other factors.

In general, defined benefit plans are too costly and too complex for most small businesses. However, because they can provide the largest benefit of any retirement plan, and therefore allow the largest deductible employer contribution, defined benefit plans can be attractive to businesses that have a small group of highly compensated owners who are seeking to contribute as much money as possible on a tax-deferred basis.

As an employer, you have an important role to play in helping America’s workers save. Now is the time to look into retirement plan programs for you and your employees.

The article is written by Broadridge Investor Communication Solutions, Inc., but is provided by Brian W. Willet. It is meant to be used for informational purposes only and should not be construed as investment advice. Please consult with your tax, legal and financial advisor prior to making financial decisions.

Insurance products are offered through insurance companies with which Waddell & Reed has sales arrangements.

Copyright 2013 - Broadridge Investor Communication Solutions, Inc., all rights reserved. Waddell & Reed and Broadridge Investor Communications Solutions, Inc. are not affiliated companies.

Brian W. Willet is a District Manager with Waddell & Reed in Lincoln, NE and can be reached at 402484-7526. Waddell & Reed, Inc. Member FINRA and SIPC

SIMPLE IRA plan

The SIMPLE IRA plan is available if you have 100 or fewer employees.

Employees can elect to make pretax contributions in 2013 of up to $12,000 ($14,500 if age 50 or older). You must either match your employees’ contributions dollar for dollar--up to 3% of each employee’s compensation--or make a fixed contribution of 2% of compensation for each eligible employee.

(The 3% match can be reduced to 1% in any two of five years.) Each employee who earned $5,000 or more in any two prior years, and who is expected to earn at least $5,000 in the current year, must be allowed to participate in the plan.

SIMPLE IRA plans are easy to set up. You fill out a short form to establish a plan and ensure that SIMPLE IRAs are set up for each employee. A financial institution can do much of the paperwork. Additionally, administrative costs are low.

Waddell & Reed

1001 S. 70th Street, Suite 201 Lincoln, NE 68510 402-484-7526 800-399-4468 www.lincoln.wrfa.com www.lincoln.wrfa.com

Profit-sharing plan

Typically, only you, not your employees, contribute to a qualified profit-sharing plan. Your contributions are discretionary--there’s usually no set amount you need to contribute each year, and you have the flexibility to contribute nothing at all in a given year if you so choose (although your contributions must be nondiscriminatory, and “substantial and recurring,” for your plan to remain qualified). The plan must contain a formula for determining how your contributions are allocated among plan participants. A separate account is established for each participant that holds your contributions and any investment gains or losses. Generally, each employee with a year of service is eligible to participate (although you can require two years of service if your contributions are immediately vested). Contributions for any employee in 2013 can’t exceed the lesser of $51,000 or 100% of the employee’s compensation.

401(k) plan

The 401(k) plan (technically, a qualified profit-sharing plan with a cash or deferred feature) has become a hugely popular retirement savings vehicle for small businesses. According to the Department of Labor, an estimated 72 million American workers are enrolled in 401(k)-type plans with total assets of about 3 trillion dollars. (Source: Department of Labor, Employee Benefits Security Administration Fact Sheet, February 2012.) With a 401(k) plan, employees can make pretax and/or Roth contributions in 2013 of up to $17,500 of pay ($23,000 if age 50 or older). These deferrals go into a separate account for each employee and aren’t taxed until distributed. Generally, each employee with a year of service must be allowed to contribute to the plan.

You can also make employer contributions to your 401(k) plan--either matching contributions or discretionary profit-sharing contributions.

Combined employer and employee contributions for any employee in 2013 can’t exceed the lesser of $51,000 (plus catch-up contributions of up to $5,500 if your employee is age 50 or older) or 100% of the employee’s

Brian Willet, CMFC Financial Advisor bwillet@wradvisors.com bwillet@wradvisors.com

Let Us Help You Make The Most of Your Financial Future    

Personal Financial Planning Investments Retirement Planning Business Financial Planning

   

IRA Rollovers Long-Term Care * Risk Management * Estate Planning

Financial Planning - Investments - Insurance Solutions *Insurance products offered through insurance companies with which Waddell & Reed has sales arrangements Waddell & Reed, Inc. Member SIPC

11  Lincoln Business Builder

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

So Be Particular.

Y

ANKEE HILL BRICK manufactures the highest quality FBX brick in a color palette ranging from the traditional reds and buffs to the innovative pinks, maroons, and lavenders.

Face brick Paving brick

Thin brik veneer Pool Coping Ceramic tile and marble Keystones Address & entry signs Brick mural & ornamentation Crushed landscape brick

Standard and custom color ranges, sizes, and shapes are our specialty.

Brick murals and ornamentation are brought to a new level of sophistication at Yankee Hill Brick.

Rely on Yankee Hill to supply your project with the nest of materials.

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Local service for the life of your mortgage loan.

At Cornhusker Bank, we believe when you come to us for a mortgage loan, you expect to continue to work with us well beyond closing.

This is why we offer to service your mortgage right here in Lincoln.*

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Please contact a mortgage lender for details.

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• Solving problems for contractors with Icynene foam since 1995.

• Spray foam is only as good as the installers.

• Both open cell and closed cell insulation available.

Contact Rick McConnell

402-643-2340 or 402-641-1254 rickmcconnell@inebraska.com www.mcconnellthermalservicesllc.com

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New Index Shows Housing Markets Back to Normal in 52 Metros

New Index Shows Housing Markets Back to Normal in 52 Metros Starting on October 7, the National Association of Home Builders (NAHB) launched a new economic index called the NAHB/ First American Leading Markets Index (LMI). This new index replaced the Improving Markets Index (IMI) and will shift the focus from identifying markets that have recently begun to recover to those that are now approaching and exceeding their former normal levels of economic progress.

“This index helps illustrate how far the U.S. housing recovery has come, and also how much further it has to go as we continue to face some significant headwinds in terms of credit availability, rising costs for lots and labor, and uncertainties regarding Washington policymaking.”

Using the same three critical measures of economic health— single-family building permits, home prices and employment— the LMI will compare the current levels of these three components to their last normal, sustainable levels. A comparison of individual markets will be calculated, as well as an overall national number.

All markets (350+ metropolitan areas) will be scored. The score will be the average of the three components’ proximity to the last period of normality. An index value above one indicates the market has advanced beyond the previous sustainable level of economic activity. An index value above the national index level indicates the market is doing better than the country as a whole, moving beyond the most recent period of normal economic growth.

“Smaller metros are leading the way to a housing recovery, accounting for 43 of the top 50 markets on the current LMI. This is very much in keeping with the results of our previous index for improving markets, and is an indication of the extent to which local economic conditions dictate the strength of individual housing markets.”

Index components are calculated by taking the average permit, price or employment number for the past year and dividing it by its annual average over the last period of normal growth.

For single-family permits and house prices, 2000-2003 is used as the last normal period, and for employment, the year before the beginning of the Great Recession in 2007. Permits and employment are divided by population in the current and normal period to account for growth that did take place. The three components are averaged to provide a score for each market.

Housing markets in 52 out of the approximately 350 metro areas nationwide have now returned to or exceeded their pre-recessionary levels of activity, according to the LMI. The index’s nationwide score of .85 indicates that, based on current permits, prices and employment data, the nationwide housing market is running at 85 percent of normal activity.

Baton Rouge, La., tops the list of major metros on the LMI, with a score of 1.41 – or 41 percent better than its last normal market level. Other major metros at the top of the list include Honolulu, Oklahoma City, Austin and Houston, Texas, as well as Harrisburg, Pa. – all of whose LMI scores indicate that their housing markets now exceed previous norms.

Looking at smaller metros, both Odessa and Midland, Texas, boast LMI scores of 2.0 or better, meaning that their housing markets are now at double their strength prior to the recession.

Also at the top of the list of smaller metros are Casper, Wyo.; Bismarck, N.D.; and Florence, Ala., respectively. Lincoln currently ranks 118th out of over 350 metros running at 90 percent of normal activity.

- Rick Judson, NAHB Chairman & Home Builder

- David Crowe, NAHB Chief Economist

“The housing markets of 118 metros scored by the LMI this month show activity levels of at least 90 percent of their previous norms – a very encouraging sign of things to come.”

- Kurt Pfotenhauer, Vice Chairman of First American Title Insurance Co.

Editor’s Note: In calculating the LMI, NAHB utilizes employment growth data from the Bureau of Labor Statistics, house price appreciation data from Freddie Mac and single-family housing permit growth from the U.S. Census Bureau. The LMI is published on the fourth working day of each month, unless that day falls on a Friday -- in which case, it is released on the following Monday.

For historical information and charts, please go to nahb.org/lmi.

NAHB/First American Leading Markets Index (LMI) United States

Lincoln, NE

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13  Lincoln Business Builder

6th Annual Sporting Clay Shoot

Sixth Annual Sporting Clay Shoot

Pl 1st ac e

October 18, 2013 • Oak Creek Sporting Club

3 W Flig rd in ht ne r

2 W Flig nd in ht ne r

Rezac Construction, Inc.

Raynor Doors of Nebraska

Earl Carter Lumber Co.

Find more pictures online at www.hbal.org/events/sporting-clay-shoot/ or www.facebook.com/HBAofLincoln 14  Lincoln Business Builder

6th Annual Sporting Clay Shoot

6th Annual Sporting Clay Shoot

Sixth Annual

Sporting Clay Shoot October 18, 2013

Oak Creek

Sporting Club

16 ď ´ Lincoln Business Builder

6th Annual Sporting Clay Shoot

Thank You! Thanks to everyone who came out to the Sixth Annual Sporting Clay Shoot.

Proceeds from the event will benefit the educational and charitable projects of the Lincoln Home Builders Care Foundation.

BBQ Sponsor

Winners

Station Sponsors Millard Lumber • Outdoor Solutions Window Option Specialists/ Marvin Integrity Windows Big Red Tire Pros • Christensen Lumber Co. Gana Trucking • Bouwen’s Plumbing Nebraska Furniture Mart Brester Construction, Inc. • 84 Lumber Lincoln Winair Company Action Plumbing & Heating, Inc.

Target & Ammo Sponsor

Prize Sponsors

Elite Station Sponsors

Bielenberg Builders, Inc. Cornhusker Bank • Custom Countertop Earl Carter Lumber Co. Lincoln Winlectric • Dworak Plumbing Murphy Tractor & Equipment Co. Nebraska Title Co. Tall Tine Taxidermy • Union Title Co. Oak Creek Sporting Club

LINCOLN

Stephens & Smith Construction Co.

Bottled Water Sponsor Culligan Water Conditioning

Committee Volunteers Hayley Lane • Delrae Hirschman AnDee Harris • Ruth Hietbrink Lois Hartzell • Doug Hancock Ed Lahmann • Brady Yoder • Brett Richert

Kirk Bender, Chair Dick Mavis • Gary Reese Larry Hans • Mike Benker Mike Rezac • Shawn Stranathan Stephanie Ponce • Terry Kreifels Tim Hans • Jennie Korth

Top Three Individual Winners 1st Place • $100 cash John Hofman 2nd Place • $75 cash Hank Rezac 3rd Place • $50 cash Dick Mavis Deck of Cards Raffle Winners $100 cash Clint Colton • Matt Lyman Half the Pot Winner $217.50 Cory Weber Wobble Trap Winner $50 Scheels Gift Card John Haney Annie Oakley Winners $10 cash Randy Colton • Brad Halliwill Andy Hartman Raffle Prize Winners Camping Chair Cory Weber Disposable Charcoal Grill Marty Marrison • Joe Poulter Milwaukee Drill & Drive Set Jim Kuper • Lee Roy Swanson Crescent Hand Tool Set Shane Manion Hitachi Framing Nailer Neil Leyde Round of Sporting Clays Fred Matulka $50 Best Buy Gift Card Cory Cronk • Ken Lenowski Tom Hardesty • Kevin Fustos European Mount John Harrison Hat Gene Kohmetscher • Mike Hiebner Tom Karel • Larry Hans • Pete Luke Brad Pfeiffer • Ken Kramer • Jason Willet Tyson Ritz • Jacob Hiatt • Nick Lovell Valeree Krueger • Ryan Jones Doug Kreifels • Brad Bennet Lee Beethe • John Glassburner Stinger Elite LED Flashlight Jaden Jones • Ron Fricke Ron Eisenbarth Coleman LED Lantern Kyle Dodds Portable Tabletop Grill Jake Lane E-Z Up Tent Bob Benes Cabela’s Quiet Blind Heater/Cooker Roger Marquardt Masterbuilt Turkey Fryer Kit Gary Engle Goal Zero Solar Power Phone Charger Steve Coufal Super Deluxe Gun Cleaning Kit Mike Kinney Cabela’s Hunting Soft-sided Cooler Rylie Nolan Bushnell Waterproof Binoculars John Jurgensmeier Browning Sweatshirt Carrie Engle G. Loomis Sweatshirt Brad Halliwill Under Armor Sweatshirt Don Helmkamp • Josh Lane Thermals Vishal Shad Gloves John Spellman

17  Lincoln Business Builder

Get Your Roof Ready for Winter

Get Your Roof Ready for Winter For many American families, homeownership brings a sense of stability, accomplishment and peace of mind. Owning a home also means being responsible for its upkeep, in order to make sure it is a safe, comfortable sanctuary for your family to enjoy. As the winter months approach, the first measure of protection for a home against rain and snow in many parts of the country is the roof.

4.

These tips from GAF (www.gaf.com), a New Jersey-based roofing manufacturer, offers advice to home owners for how to get your roof ready for the cold winter.

Check the valleys of the roof to ensure that they are also free and clear of debris that can add weight to the roof and also act as a barrier to rain and snow. Leaks frequently occur in the valleys so make sure they are well protected by a proper roofing system.

5.

One of the most common causes for roofing leaks is due to problems with flashing. Flashing is the aluminum or metal material that is used in roof to wall transitions over joints to prevent water from seeping in and causing damage. Metal flashing should also be used around roof vents, pipes, skylights, and chimneys. Remember that flashings can be loosened or torn by high winds and heavy rains, so inspect the areas annually.

6.

Lastly, you should walk around to carefully inspect the shingles on the roof – look for curling edges, missing granules, and certainly for missing shingles or damage from birds, rodents, or squirrels.

1.

Start off by checking the roof framing structure to make sure it is not compromised. Visually scan the roof for any sagging or uneven areas. If you do see an area that looks uneven, this may mean damage to the roof deck below the shingles.

2.

Inspect the gutter systems to make sure they are not clogged with branches, leaves, or other debris. This is important to ensure that rain water and snow have a way off of the roof. If the water or snow is left standing on the roof, there is an increased likelihood of leaking or ice damming.

3.

Make sure that gutters are fastened properly and are tight and secure so that they don’t cause overflow and build-up or fall off the fascia board. Leaking water can

end up causing damage not just to your roof, but to your interior walls, as well.

By inspecting your roof at least twice a year—before the winter months begin and after they are over—you’ll be able to spot and correct any potential problems before they could get severe and cause you to have to replace the entire roof before its expected lifespan.

For more information about home safety, visit www.nahb.org/forconsumers.

The Place to go for Everything Fireplace and Stone!

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Our showroom displays 37 fireplaces and over 170 brick and stone samples. Also available at Lumbermen’s: • Wood & Pellet Stoves • Grill Islands & Kitchens • Erosion Control Products

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Showroom Hours: Mon-Fri 9am-5pm, Sat 10am-2pm | 8655 Amber Hill Court, Lincoln, NE 68526 | 402.421.0948 | www.lumbermens.biz

18  Lincoln Business Builder

19 ď ´ Lincoln Business Builder

2014 HBAL Election of Officers

2014 HBAL Election of Officers Ballot No. 1

Ballot No. 2

First Vice President Justin Johnson, Hoppe Homes, LP

Builder Directors

Second Vice President Perry Haralson, Cornhusker Bank Secretary Lori Pippitt, Lincoln Cabinet Treasurer Bob Bryant, Bryant, Katt & Associates, P.C. All of the above positions are for one-year terms.

Nothing in the bylaws prevents anyone from standing for re-election.

1st Vice President Justin Johnson Hoppe Homes, LP Justin graduated from the Construction Management department at the University of Nebraska in 2001 and has been managing the construction division of Hoppe Homes for 12 years.

Hoppe Homes has been a member of HBAL since 2004 and has been in the construction industry for over 20 years. Their main focus is single family home construction, but they are also involved in multifamily and commercial construction projects.

During the last 12 years, Justin has participated in HBAL community projects such as: Santa Cops (building toys for underprivileged children) and Habitat for Humanity. He has served on the HBAL Board since 2009. He is proud to be a member of HBAL and looks forward to doing his part to keep it the great association that it is.

Justin and his wife, Amy, have six children: Gregory (10), Lillian (8), Damien (7), Gemma (5), Paul (3) and Luke (1). He enjoys spending time with his family, playing sports and working on those never ending home improvement projects.

2nd Vice President Perry Haralson Cornhusker Bank Perry is the Financial Officer for Cornhusker Bank. The bank has been an HBAL member for 23 years and Perry has been an active member for nine years.

Perry is involved with several non-profit, civic and political organizations such as Friendship Home and the Nebraska Bankers Association Leadership Program. His involvement in HBAL consists of

20  Lincoln Business Builder

(Vote for Three) Jeff Bielenberg, Bielenberg Builders, Inc. Bo Jones, Tru-Built Construction Jerry Maher, Maher Custom Homes

Associate Directors

(Vote for Three) Mark Aksamit, Earl Carter Lumber Co. Lance Roach, JL Exteriors, Inc. Ken Svoboda, Ray’s Lawn & Home Care

Parade of Homes committee, member of the Board of Directors, volunteer for Santa Cop, HOMEPAC, Lincoln Home Builders Care Foundation Board and various other activities.

Perry is married to Jennifer and has two sons, Coben (10) and Caiden (7). He earned his undergraduate degree in finance from the University of Nebraska, a masters in business administration from National University and a graduate degree in banking from the University of Colorado. Perry believes strongly in the growth and benefits of a healthy housing and construction industry. Perry enjoys reading, golf, soccer and spending time with his family.

Secretary Lori Pippitt Lincoln Cabinet Lori grew up in Sidney, Nebraska and attended the University of Nebraska at Kearney graduating with a four year degree in Kitchen & Bath Design. She worked in Ft. Collins, Colorado obtaining background in cabinetry construction and lighting design before moving to Lincoln where she has worked at Lincoln Cabinet for 17 years. She is a CKD-Certified Kitchen Designer whose primary focus is in residential kitchen and bath remodeling.

She works directly with her clients creating new spaces and general contracting projects through completion. Lori obtained her CGR-Certified Graduate Remodelor and CAPS-Certified Aging in Place Specialist designations in 2006. As a CGR she has broadened her scope of work to more than just kitchen and baths and often will work on first floor remodels, additions and basement finishes.

Through her experience in the industry and her design creativity she has “created a name” for herself in kitchen remodeling. She truly enjoys going through the process of redesigning spaces with homeowners to make them better. From start to finish, she is someone they can count on for guidance and who will look out for their best interests.

She served as the Chair of the Remodelers Council in 2009 and 2010, on the HBAL Board since 2012 and on the Building

2014 HBAL Election of Officers Construction Advisory Board since 2010. As Remodelers Chair, she was active in educating members on the new EPA lead regulations. As Chair of the Remodelers Council Golf Committee for five years, she helped run a successful event, raising money for scholarships given to local high school seniors and SCC-Milford students. Lori has been an active member of HBAL, participating in community projects such as Santa Cop, Habitat for Humanity, Dolls vs. Wheels Toy Drive, Remodelers Council TP Run and Mitten Collection for local elementary schools.

In her spare time she enjoys golfing, reading, traveling and spending time with friends and family. She also loves attending sporting events and goes whenever possible!

Treasurer Bob Bryant Bryant, Katt & Associates, P.C.

Builder Directors Bo Jones Tru-Built Construction Bo grew up in Lincoln attending East High School then graduating from UNL with a degree in Business Administration. Bo and his partner, Steve Powell, joined forces in 1999 forming Tru-Built Construction.

Starting out doing small projects around class schedules; Tru-Built has grown into a design/build team of 13 full time individuals that manage residential and commercial projects including remodel, new construction, rental properties, and building custom conservatories. Bo oversees the residential division of Tru-Built while Steve oversees the commercial projects.

Bob has been involved in the accounting business for over 40 years. Bryant, Katt & Associates has been a member since 1986.

Bob owned Bryant Bookkeeping for 18 years and then merged into Larsen, Bryant & Associates, P.C. in 1988. They have a current staff of 15 Accountants. They specialize in local business accounting service and income tax preparation.

Bo has been married to his wife, Amber, since 2002 and have two children. A daughter, Taylor (7), and son, Brody (5). In his free time, Bo enjoys hanging out with friends and family, hunting and working on old cars.

Bob has been a member of HBAL for over 30 years and has served as Treasurer of HBAL for nine years. Bob and his wife, Phillis, have been married for 45 years. They have four children, all active in Lincoln. Rob is an Allstate agent and investment broker; Jason is an owner and CPA at Bryant, Katt & Associates; Mike is employed with Sysco; and Shannon works at HBE Becker Meyer Love, C.P.A.’s. They have sixteen grandchildren, and Bob is an avid golfer when not working or spending time with his grandchildren.

Jeff Bielenberg grew up in the building construction environment including residential, commercial and industrial buildings. He attended the University of Nebraska, Lincoln studying construction management and architecture. While living in Lincoln, he worked with Ken Westerhold, owner of K-West Construction for 18 years, then started his own business in May of 2005. He joined HBAL as an effort to help support the integrity and professionalism in the construction industry.

Jeff Bielenberg Bielenberg Builders, Inc.

Jeff has been married to his wife, Mary Kay, for 21 years, has two kids and two grandkids.

Jerry Maher Maher Custom Homes

402.483.7575 3133 S. 7th Street • Suite D

Fax 402.483.7577 info@pioneerprintinginc.com www.pioneerprintinginc.com Multi Color Printing Graphic Design Ad Specialties Bindery Services

Digital Color Copies Digital Black & White Engineering Copies Personalized Service

Providing Offset Printing & Digital Services in Lincoln since 1980.

Jerry Maher has been in the building business for 35 years and has been a member of HBAL for 14 years. Jerry also is a member of the Remodelers Council.

Jerry owns Maher Custom Homes and specializes in custom built homes and remodels. He has participated in several Parade of Homes and Tour of Remodeled Homes sponsored by HBAL. Jerry and his wife, Lori, enjoy long motorcycle rides on their Harley, landscaping and spending time with their animals. Jerry spends his free time in the summer sponsoring, coaching and playing softball. He was inducted into the Nebraska Softball Hall of Fame in 2012.

21  Lincoln Business Builder

2014 HBAL Election of Officers

Associate Directors Mark Aksamit Earl Carter Lumber Co. Mark is the general manager and partner at Earl Carter Lumber Company.

Born and raised in Lincoln, Nebraska, Mark has been in the building industry since 1983 and a member of HBAL since 1996. He is currently on the Board of Directors for HBAL and the chairman of the Santa Cop Project. He is a Life Spike member and is the 2013 the recipient of the HBAL Associate of the Year Award.

Mark has been married to his wife, Tracy, for 34 years and has two children, Natalie and Tim. Mark is very active with his church and enjoys golfing, fishing and all things Huskers.

Ken Svoboda Ray’s Lawn & Home Care Ken and his family have operated Ray’s Lawn & Home Care in Lincoln for 48 years. Ken attended UNL in the Architecture program and upon returning to the family business began the landscape division where he’s concentrated his creative design in both the commercial and residential markets. “I take great pride in designing a landscape that allows my customers a comfortable area to relax while helping maintain their home as an investment” Ken said.

Ken has been a member of HBAL for over 20 years and served on the Lincoln City Council for 8 years. He’s also serves on a variety of non-profit boards and commissions including Junior Achievement of Lincoln, LIBA, Willard Community Center and the Better Business Bureau of Lincoln. “Giving back to the community that has given me so many opportunities is very humbling and rewarding.”

Ken and his wife Pam have two adult children and four granddaughters ranging in age from 4 to 13 years. He loves golf but finds little time to play, maybe in retirement like most others in the homebuilding industry.

Lance Roach JL Exteriors, Inc. Lance has been in the construction industry for 16 years and started JL Exteriors 12 years ago.

The JL Exteriors team specializes in siding, windows, doors, roofs, decks, porches, gutters, stucco, outdoor living and much more! They also provide snow removal services.

JL Exteriors strives to beat the expectations of their clients and focuses on quality, customer service and education.

Lance and wife Courtney love spending time and doing activities with their two boys, Mason (7) and Hudson (4).

22  Lincoln Business Builder

Merritt

Est. 1904 402-435-3213 • 26th & Randolph

Natural Veneer Stone Custom Cuts & Blends Visit Our Showroom

• Sand / Gravel • Rock / River Rock • Promix / Colored Cement • Crushed Concrete Fines

• U-Kart Ready-Mix • Concrete Block • Mulch • Lennox Fireplaces

We provide quick delivery and quality service.

Visit us at www.dhmerritt.com

Your Hometown Source For • House Beams • Columns • Brick Lintels • Joists & Deck • Miscellaneous Plate, Angle, Pipe & Tubing

APOLLO STEEL COMPANY Fabricating The Future of Nebraska 7200 Amanda Road, Lincoln, NE 68507 Phone: 402-466-8587 • Fax: 402-466-0594

Minimum Interference

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Home Lending Team

Elliot Eisenberg, Ph.D. • GraphsandLaughs, LLC Scott Williamson

Adam Flanagan

Matt Fuller Marla Stahl

Denise Spencer

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In his recent State of the Union address, President Obama suggested raising the federal minimum wage from $7.25/hour to $9.00/hour, an almost 25% increase. His argument: the minimum wage peaked in 1979 at about 48% of the median wage and has steadily declined to about 38% today, and working should be encouraged. Yet working full time for minimum wage one earns barely $14,500/year, just below the poverty threshold used by the Census Bureau for households of more than one. Unfortunately, stylized facts do not make good policy. Raising the minimum wage hurts those in most need of a job, and policy should be based on facts not feelings.

Proponents of raising the minimum wage suggest that a higher minimum wage makes work more attractive, which increases the supply of labor and reduces costs for absenteeism, shirking and monitoring. Were this truly the case, and if net labor costs actually fell as wages rise, we would see lots of employers voluntarily offering higher wages. But, that is not the case, putting the lie to this line of reasoning.

The primary problem with raising the minimum wage is, outside of one questionable study there is no evidence to support the claim that higher wages raise household incomes. It turns out that the reduced employment and thus the loss of income suffered by some households more than offsets the higher incomes enjoyed by households that hold onto their now suddenly higher-paying jobs. Worse, as both these effects are primarily to be found in low-income households, increases in the minimum wage simply end up redistributing income between poor households.

The other big problem with this entire approach assumes that poverty is a result of low wages. It’s not. Low wages are the result of limited skills, which results in low productivity and thus low wages. The solution is to increase the skills of low wage workers, not raise their wages and keep them dependent on legislation for more money. For many workers, minimum wage jobs are the first jobs they hold and are therefore critical in helping them gain valuable work experience (and in the process increase their skillset) which will get them a higher future wage.

Moreover, in many of the poorest households, no one works.

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.

11200 N. 148th St., Waverly NE

402.786.3030

M-F 7:30am - 5pm

To raise low household incomes, a far better approach is the Earned Income Tax Credit (EITC). This is because the EITC does not raise the wage rate paid to workers by employers.

Rather, it is a federal income tax credit for low to moderate income working individuals and families. In 2012, the income thresholds were $14,340 for a single person and $19,680 for a childless couple. Above that level no tax credit is available.

Unlike raising the minimum wage, with the EITC employers are not encouraged to replacing low wage workers with technology, offshore jobs, or reduce non-monetary employee compensation such as free uniforms, holidays, time off, or break time. The easiest way to help more low-income families would be to raise EITC income thresholds.

Lastly, at present, teen unemployment is 22.7%. Worse, for blacks 16 to 19 it is 38.2% while for men 16 to 19 it is 25%. These are numbers that are roughly 30% to 40% higher than their historical averages. To now suggest that the solution is to make these workers even less appealing to employers boggles the mind.

23  Lincoln Business Builder

New Members | Directory Changes | Cancellations

Welcome New Members

Directory Changes

Beckman Foundations, Inc.

• Ron Eisenbarth replaces Dan Stahr as the affiliate member for Earl Carter Lumber. Phone: 402-310-1112.

Email: rone@earlcarterlumber.com.

12600 Finigan Road, Lincoln, NE 68517 Phone: 402-890-1917 Email: beckmanfoundations@gmail.com

• New affiliate member for Pella Products of Omaha & Lincoln is Melissa Paladino. Phone: 402-616-6060.

Email: mpaladino@pellaomaha.com.

Jerry Beckman (Katie)

Company Description: Over 10 years of experience in building foundations.

Sponsor: Kirk Havranek, Ready Mixed Concrete Co. Reason I joined HBAL: Networking, community involvement Personal: Wife Katie, married 4 years

Chet’s Transfer, Inc. Kenny Smetter

Sponsor: Mike Kinning, Kinning Design Build, Inc.

Travis Gunderson

Fax: 402-420-0564

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

24  Lincoln Business Builder

• New principal contact for CS Kitchen & Bath Studio is Megan Dreyer. Cellular: 402-525-9778.

Email: dreyermegan@gmail.com.

• K2 Construction changed their name to K2 Geothermal. New principal contact is Tim Boonstra. Cellular: 402-430-9000.

Company Description: Midwest Bank is a family-owned financial institution located just north of 27th and Yankee Hill Road.

Midwest Bank offers competitive interest rates and a variety of products and services from personal, home and commercial loans to deposit accounts; including checking, savings and CD’s.

Pro Drywall, Inc.

• New address for Vistar Homes, Inc. is 3737 S. 27th Street, Lincoln, NE 68502.

• New address for MK Builders, Inc. is 3925 S. 8th Street, #1, Lincoln, NE 68502.

Midwest Bank

K-West Construction

• New principal contact for Nebraska Brick & Supply is Henry Green. Cellular: 402-968-4429.

Email: hgreen@siouxcitybrick.com.

• New address for Stonebrook Roofing, Inc. is 3410 “O” Street, Lincoln, NE 68510.

1606 S. 3rd Street, Lincoln, NE 68502 Phone: 402-476-3151

2655 Jamie Lane, Lincoln, NE 68512 Phone: 402-420-0560 Email: tgunderson@midwestbank.com Website: www.midwestbank.com

• New principal contact for ABC Seamless House Siding is Oak Williams.

• Alison Rubenthaler is a new affiliate member for Lincoln Federal Savings Bank. Phone: 402-488-2233.

Email: arubenthaler@lincolnfed.com • New email address for R & D Custom Homes is roddonnayoung@windstream.net.

• New address for Anden Bruns Construction is 6833 Natney Ct., Roca, NE 68430.

• Mike Beach is the new principal contact for Beach Construction.

Address: 301 SW 98th Street, Lincoln, NE 68532. Phone: 402-440-4973.

• Oncenter Construction, Inc. is now a Builder Member.

We are currently working on the 2014 HBAL Membership Directory.

If you have an update to the information listed in the HBAL Membership Directory, please be sure to let us know via email (info@hbal.org) or call the office at 402-423-4225.

Renewals

Thanks for Renewing Your Membership!

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

Absolute Kitchen & Bath, 9 years

Lincoln Underground Sprinkler Systems, Inc., 26 years

Alberts Painting, Inc., 2 years

May Custom Homes & Cabinets, Inc., 25 years

Architectural Glassart, 8 years

Midlands Duct Cleaning, 9 years

Beach Construction, 25 years

Midwest Housing Equity Group, Inc., 3 years

Block & Beam Construction, Inc., 11 years

MK Builders, Inc., 4 years

Boulder Works Landscaping, 11 years

Moser Well Drilling & Service, Inc., 19 years

Brester Construction, Inc., 36 years

Nebraska Housing Resource, 8 years Nebraska Building Products, 58 years

Brian Hester Heating & A/C, Inc., 12 years Bryant A/C, Heating, Plumbing & Electrical Company, 58 years Capital Overhead Door Co., 22 years

Nebraska Seamless, Inc., 12 years Oak Creek Sporting Club, 2 years Outdoor Solutions, 7 years

Creative Landscaping, 9 years D. H. Merritt & Sons Sand, Gravel, & Ready-Mix, 62 years DataQuick Title, 22 years

PDI, Paul Daniels Interiors, 19 years Piccolo Electric, 25 years Pride Homes, 12 years

Edward’s Stone, 8 years Ferguson Bath, Kitchen and Lighting Gallery, 19 years Frazier Construction Company, Inc., 10 years

R & T Poured Walls, 2 years Ray’s Lawn & Home Care, 16 years The Restoration Pros, 2 years

Goings Homes, Inc., 17 years

Security Fence, Inc., 6 years

HBE Becker Meyer Love, C.P.A.’s, 11 years

Security First Bank, 8 years

Hoppe, Inc., 62 years

Seeds of Life, Inc., 15 years

Humm & Sons Poured Concrete, 12 years

Stearns Painting, Inc., 5 years

Industrial Services, Inc., 6 years

White Castle Roofing, 2 years

When it AbsolutelY PositivelY

HAS to be RIGHT...

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25  Lincoln Business Builder

Building Permits Building Permits

City of Lincoln - 10 -Year Table SF 74 73 137 124 113 107 114 87 106 935

Jan. Feb. March April May June July Aug. Sept.

YTD

Jan. Feb. March April May June July August Sept.

Total Avg. Cost

2004 TH 8 9 18 22 33 52 21 146 89 398

#

19 13 34 52 57 59 49 44 43 370

MF 5 24 20 0 100 4 10 2 0 165

SF 54 66 92 80 88 96 89 94 82 741

2006 Cost 333,000 426,676 613,750 560,472 907,924 520,942 645,103 433,967 585,123 5,026,957 13,586

2005 TH 21 10 11 16 12 37 35 96 44 282

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

MF 0 4 4 4 4 20 70 26 48 180

#

7 4 33 56 55 62 46 56 32 351

SF 72 58 82 91 83 93 52 66 55 652

2006 TH 14 20 17 16 20 15 28 18 26 174

2007 Cost 87,400 314,300 1,283,155 539,511 818,301 481,374 728,615 807,215 558,017 5,617,888 16,005

MF 0 2 16 60 16 68 2 612 38 814

SF 40 35 59 61 65 67 59 37 45 468

2007 TH 8 4 40 70 39 17 28 2 2 210

MF 4 12 112 66 0 64 0 2 0 260

2008 TH 19 0 28 2 15 17 10 20 29 140

SF 35 22 41 50 59 39 31 37 33 347

MF SF 6 11 4 29 2 30 2 30 4 38 10 60 2 35 0 37 0 39 30 309

2009 TH 14 2 14 14 28 4 10 14 26 126

MF SF 0 24 3 32 2 42 15 33 24 29 0 36 0 31 0 33 0 26 44 286

2010 TH 7 18 6 8 19 6 18 6 10 98

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

9 9 36 62 52 19 11 13 14 225

2008 Cost 1,364,460 141,600 589,154 1,208,366 809,323 543,997 212,984 583,602 556,083 6,009,569 26,709

#

2 5 10 10 9 14 17 8 15 90

2009 Cost 52,000 125,240 206,900 198,413 183,000 297,872 554,070 244,470 407,066 2,269,031 25,211

#

6 3 11 19 9 12 15 11 15 101

2010 Cost 152,980 99,500 317,000 706,474 148,500 460,740 697,500 219,300 375,278 3,177,272 31,458

#

3 7 18 15 20 16 9 12 16 116

MF SF 2 22 60 26 8 42 0 28 0 39 4 34 0 38 2 35 10 31 86 295

2011 TH 0 0 10 26 14 18 12 21 8 109

2011 Cost 80,100 178,700 452,005 908,366 340,080 603,388 248,618 478,200 1,011,333 4,300,790 37,076

MF 4 20 180 3 44 0 48 2 78 379

#

2 5 10 11 20 7 10 9 13 87

SF 27 31 47 43 41 45 48 58 45 385

2012 TH 4 13 24 19 21 14 26 36 13 170

MF 0 144 36 24 0 8 0 275 0 487

2012 Cost 43,500 107,786 691,458 600,931 723,945 224,812 414,975 545,217 595,111 3,947,735 45,376

SF 24 34 46 69 58 68 83 60 49 491

#

6 2 8 10 13 9 9 10 10 77

2013 TH 2 4 9 18 20 8 29 41 2 133

MF 0 0 0 0 128 0 24 232 0 384

2013 Cost 422,000 33,000 357,600 212,603 776,408 379,500 264,975 300,579 314,515 3,061,180 39,756

Remodeling Permits: Alterations

Jan. Feb. March April May June July August Sept.

Total Avg. Cost

#

89 87 100 87 120 97 94 44 92 810

2006 Cost 1,007,372 967,125 1,147,674 706,214 1,042,668 985,229 1,072,119 433,967 674,348 8,036,716 9,922

#

88 78 107 88 115 97 117 110 94 894

2007 Cost 1,163,863 909,207 1,280,089 1,031,776 1,578,971 736,760 1,258,848 1,138,598 1,070,733 10,168,845 11,375

City of Lincoln - Detached Single Family - 8 Year Table #

81 76 89 82 79 76 77 92 83 735

2008 Cost 907,619 947,505 800,412 877,275 723,878 662,915 1,143,624 1,264,374 962,319 8,289,921 11,279

STACK UP $5,000 IN POTENTIAL VALUE

#

71 76 72 85 65 89 96 77 78 709

2009 2010 Cost # Cost 784,232 57 502,454 706,588 69 600,743 946,927 125 1,229,150 813,112 154 1,386,859 617,270 124 931,223 766,615 117 754,480 1,172,764 161 1,181,825 790,319 119 1,006,147 778,464 124 976,777 7,376,291 1,050 8,569,658 10,404 8,162

#

69 79 104 133 111 112 99 129 106 942

2011 Cost 988,395 893,584 900,086 1,292,245 946,242 819,225 1,104,259 1,032,748 928,466 8,905,250 9,454

#

81 69 96 96 123 110 109 114 84 882

2012 Cost 804,484 565,929 1,055,957 871,985 1,544,337 1,093,867 1,029,087 1,148,868 764,670 8,879,184 10,067

#

66 42 65 108 92 87 114 87 86 747

2013 Cost 751,024 702,668 1,000,016 1,158,054 605,739 784,050 1,331,940 883,068 1,248,723 8,465,282 11,332

The GM trucks you need. Now at the price you want.

NAHB members can receive a $500 private offer1 toward the purchase or lease of most new GM vehicles for business or personal use. Just visit your local Chevrolet or Buick/ GMC dealer, choose an eligible vehicle and present your NAHB proof of membership.

Then stack this offer with additional incentives from the National Fleet Purchase Program2 and Business Choice.3 Plus, ask your dealer about the all-new 2-Year/30,000Mile Business Maintenance Plan.4 For private offer details, visit nahb.org/gm.

Example savings on a Chevrolet Silverado HD/GMC Sierra HD:

500 + $3,500 + $1,000 $5,000

$

NAHB Private Offer1

26  Lincoln Business Builder

Accessory Cash Allowance3

In potential value

Offer valid toward the purchase or lease of eligible 2012, 2013 and 2014 model year GM passenger cars, vans, SUVs and truck models. Excludes: Chevrolet Caprice, Captiva Sport, Volt; all Cadillac models. Not available with some other offers.

Not valid on prior purchases. Program subject to change without notice. See dealer for details. Take delivery by 1/3/14.

2 Offer eligible for non-CAP customers only through 12/31/13. See dealer for details.

3 To qualify, vehicles must be used in the day-to-day operation of the business and not solely for transportation purposes. Must provide proof of business. Visit gmbusinesschoice.com or your Chevrolet or GMC dealer for details. Take delivery by 9/30/13.

4 According to your vehicle’s recommended maintenance schedule for up to two years or 30,000 miles, whichever comes first.

Does not include air filters. Covers six oil changes for gasoline engines and four oil changes for diesel. Extra charge may apply for dual rear wheel tire rotations. See participating dealer for restrictions and complete details. ©2013 General Motors. All rights reserved.

13-00057-007 (1/2013) 1

2013 CHEVY SILVERADO 2500HD

National Fleet Purchase Program (FVX)2

27 ď ´ Lincoln Business Builder

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

PRST STD US POSTAGE PAID LINCOLN NE PERMIT NO 51

ADDRESS SERVICE REQUESTED

It pays to build more energy-efficient homes.

Just let us know where to send the check.

+

The LES Sustainable Energy Program provides homebuilders significant incentives for installing high-efficiency heating and cooling equipment — up to $1,000 per ton on heat pumps and $750 per ton on air conditioners. Whether you keep the incentives or pass them on to clients, you’ll help save energy, reduce environmental impact and delay the need to build expensive power plants. Help keep Lincoln’s electric rates among the lowest in the nation. Visit our website or call 402.473.3275 for complete details.

www.les.com

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AnDy GIbSon Les122824 Jan HBAL Ad High Efficiency Equip3.indd 1

12/17/12 1:07 PM

Dueling Duo Dueling Pianos Request Show

Save the Date!

HBAL Christmas Party Friday, December 6, 2013 Hillcrest Country Club

Join us for the Dueling Duo! Andy Gibson and Ryno will play your request and may add a little twist too! This is the only dueling pianos show with an amazing fiddle and saxophone player, Dan Witte. Get ready for a great time!

Figure 1