h ba today THE OFFICIAL NEWSLETTER OF THE H O M E B U I L D E R S A S S O C I AT I O N O F S A G I N AW
M AY 2 0 19
A MEMBERSHIP THAT WORKS FOR YOU
HBA SAGINAW is part of your three-tier membership!
When you join the HBAS, you share your pride and passion for your work. We’ll fight for your business, your rights, and your interests. We’ll save you money, and give you the opportunity to grow your network. With the HBAS, we’ll keep you in the know by offering education and training for whatever you may ned, and we’ll help you train the next generation of HBA members. Whatever you need, we’re here for you.
ADVOCACY
We fight for the rights of small businesses in the housing industry. With us at your back, you’ll have a voice in all levels of government.
EDUCATION
We offer classes to keep you updated on new and developing trends in the industry. HBAS is also involved in getting kids interested in the trades.
OPPORTUNITY
Between great community events, and members-only get-togethers, you’ll have the chance to grow your network and expand your business.
SAVINGS
With three tiers of membership, there is a truckload of discounts, rebates, and savings programs tailored to you and your business and interests.
FOR MORE INFORMATION Call: 989.793.1120 Email: mrevette@hbas.org Click: hbas.org 2
PASSION in our craft. PRIDE in our community.
HBAS Leadership Your 2019 Board of Directors
Upcoming Events May 11, 12, 15, 18, 19 Spring Parade of Homes Click here for more details. May 14 Professional Women in Building @ 12p @ HBAS May 31 MIOSHA @ 9a-1p @ HBAS June 4-8 NAHB Mid-Year Board Meeting @ Washington DC Click here for more details. June 5 Ambassador Team @ 10a @ HBAS June 5 The Huddle @ 12p @ HBAS Click here to register. June 6 Golf Planning Team @ 9:30a @ HBAS June 11 Professional Women in Building @ 12p @ HBAS June 12 Board of Directors @ 4:30p @ HBAS June 12 Annual Pig Roast @ 5:30p @ HBAS Click here to register. Click here to get involved!
OFFICERS Michele Bueker, President Jeff Nicklyn, Vice President Jim Boufford, Treasurer Denis Reichard, Secretary Steve Zietz, Immediate Past President DIRECTORS Tony Bosco Don Hollis Denis Reichard Tracy Reimus Dan Wortman Kevin Kerns
Tim Gohm Louie Pomaville David Schauman Mark Wahl Mike Booker Jake DeMitchell
Mike Tribble Debbie Beffrey Dennis Dittenber Ron Schauman Jeff Tithof
Mission
Together we are a trusted resource of Building Industry professionals, dedicated to supporting the dream of homeownership, and taking pride in the development of our community.
Vision
As Building Industry professionals, we continuously strive to create vibrant and stable communities providing homes and craftwork that retain value. We envision the long-term growth of our community and association by maintaining quality relationships, community involvement, and being of service to others.
Values PROFESSIONAL | INTEGRITY | PASSION ENGAGED | LOYAL
Passion in our craft. Pride in our community. 3
Surveying Remodelers About Costs NAHB is currently surveying all of its remodeler members to determine reliable benchmarks on the profitability of the remodeling business. Remodelers will be able to use this data to compare their business to others, pinpoint improvement opportunities and set budget targets. NAHB recently conducted a similar survey among its builder members to develop the Cost of Doing Business Study, 2019
Edition. The study found that in 2017, single-family builders had an average revenue of $16.4 million, with an industry average gross profit margin of 19.0%, while the average net profit margin reached 7.6%. The success of this project depends entirely on collecting accurate information from NAHB’s remodeler members. Survey participants will receive a free copy of the final report – the 2020 Remodelers’ Cost
of Doing Business Study – a $149.95 value. The information is kept completely confidential. Only the NAHB research team conducting the survey will see the responses, and only industry averages will be published. For information on how to receive and submit the survey, please email NAHB’s Assistant Vice President for Survey Research Rose Quint.
DOL Issues Proposed Joint Employer Rule The Labor Department has announced a proposed rule to provide a clearer methodology for determining joint employer status. The proposal is meant to provide employers clarity and certainty regarding their responsibility to pay federal minimum wage and overtime for all hours worked over 40 in a workweek. NAHB believes the Labor 4
Department’s focus on whether the potential joint employer actually exercises authority over the worksite is an important step in the right direction.
Treasury Publishes Opportunity Zone Regulations The U.S. Treasury Department recently issued its second set of proposed regulations related to the new opportunity zones tax incentive. Established as part of the Tax Cuts and Jobs Act of 2017, opportunity zones provide tax incentives for investors to invest in and provide an economic boost to underserved communities. More than 8,700 zones, or approximately 11% of all Census tracts in the United
NAHB, HUD to Host Housing Showcase
States, have been identified as being eligible for investment. For more information on opportunity zones, visit NAHB’s Opportunity Zones resource page.
NAHB and HUD are hosting an “Innovative Housing Showcase” to educate policy makers and the public on housing innovations and technologies that are helping address the affordable housing challenges across the country. The Showcase will be held on the National Mall June 1-5, 2019.
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SAGINAW
BAY CITY
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3950 North Euclid 989.686.8190
www.northeasternpaint.com
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Affordable Project Enlivens Philadelphia Community Oxford Mills, a $38 million historic rehabilitation in Philadelphia’s Kensington neighborhood, seeks to create a vibrant, educationbased community of teacher housing
and nonprofit organizations.
Composed of two former industrial buildings, this highdensity housing project includes 114 apartments that provide much-needed workforce housing and 38,000 square feet of commercial/office space for more than 10 different nonprofit organizations. Ninety of the apartments are rented to residents earning up to 80
percent of the area median income (AMI), with 68 of those units reserved for local teachers. The remaining apartments are rented at market rates. The collaborative, educationcentered model for Oxford Mills replicates other similar successful historic rehabilitation projects. Seawall Development’s Donald Manekin developed this model based on his experience as a board member of Teach for America and a two-year stint as interim chief operating officer of the Baltimore, Md., city school system. Based in Baltimore, Seawall Development
partnered with another private developer, D3 Development in Philadelphia, to launch the model there. Although there was some pushback from local residents due to concerns about gentrification, several key strategies were utilized to maintain a sense of community, including discounted rents for teachers, designated office space for nonprofits and other educational organizations, social and professional programming and events, and community meeting spaces that are open to the public. For more housing affordability resources, visit nahb.org/ housingforall.
Photo by Imagic Photography
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Professionals who care.
ABOUT HBA MICHIGAN
HBAM works to promote the building industry, impact legislation, regulatory, and legal issues affecting housing affordability and small businesses in the building and housing industry. NETWORKING Business relationships are built on trust and credibility. Builders across the state network at HBAM’s many association events with others in the industry.
SAVINGS HBAM offers great group rates for workers’ comp and medical insurance, Meijer discounts, and a variety of rebate programs to help you save BIG.
EDUCATION
HBA Michigan is part of your three-tier membership!
From codes to the ever changing market, members have the best opportunites to keep up to date, as well as courses and classes to help you grow and succeed.
INFORMATION HBAM offers a wide range of resources and publications (like Builder Magazine and a members only online portal)to keep you informed about the industry.
FIGHTING FOR YOU
From tax increases to building code changes, results of many legislative decisions impact your livlihood. We represent YOU on a statewide and national level.
Find out more about HBA Michigan at buildingmichigan.org 8
Are Millennials Killing the Housing Industry, too? No. Millennials just face a different set of challenges. Click here for full article by Hannah Ball for Tri County Times, Fenton While millennials are blamed for killing the housing industry, the issue is more complicated than an attention-grabbing headline. The financial issues millennials face provide context for the generation’s spending and saving habits. Brice Carter, a certified financial planner and a millennial, hosts the podcast Prosperity by the Pint, where he talks about money while drinking beer. In one episode, he discussed financial problems millennials face. Carter, who lives in Fenton Township, cited a USA Today article that stated the median income for millennials is approximately 40K a year. “Which is 20 percent less than baby boomers at this stage in life when they were our age,” he said. “That is outstanding. Compared to the baby boomers at our age, our net worth is 56 percent less.” Student debt is a major issue. According to National Public Radio, student loan debt has more than doubled in the U.S. to around $1.5 trillion. Fewer benefits are offered, too. In the 1980s, 60 percent of private companies provided a pension. Today, it’s 4 percent. “We have
less income, we’re starting working later because we’re going to college which has led us to have student loans and our benefits are worse. Millennials are knocked for being entitled and lazy but I don’t think it’s warranted,” Carter said in his podcast. Headlines about millennials killing industries are frequent, but not all are true. The Federal Reserve estimates that student debt is one of the reasons fewer millennials are buying homes. Homeownership rates for people ages 24 to 32 dropped nearly 9 percent between 2005 and 2014. About 20 percent of that decline can be attributed to student debt, according to the Federal Reserve. Some financial experts say this doesn’t mean millennials will never be able to afford a house; they’ll just wait until later in life. Approximately 40 percent of people who go to college do not finish in six years, according to the Housing Finance Policy Center at the Urban Institute. This delays financial stability and marriage.
From 2007 to 2011, the number of cars purchased by people aged 18 to 34 fell nearly 30 percent, according to edmunds. com, but millennials came back full force in 2012. Young adults are now buying cars at a higher rate than they did 11 years ago, according to a National Automobile Dealers Association study that came out in 2018. “We’re perhaps the most disruptive generation that this country’s ever seen, and I think that says a lot,” Carter said. Millennials are more likely to use technology to track their money using apps such as Mint. Carter mentioned how it’s easier now than ever to have a “side hustle,” or an extra way of making money besides a 9-5. This includes driving for Uber or Lyft, renting out a room for Airbnb and more. One Nerdwallet article found that millennials are the best generation at saving. This age group saves approximately 10 percent of its income for retirement. Generation X saves about 8 percent and baby boomers save around 5 percent. 9
Thank you for Renewing! *Denotes Premier Members • • • • • • • • • •
Arizona Heating & Cooling Fasteners, Inc.* Great Lakes Homes Storm Master Exteriors Geiersbach Construction* Remer Plumbing, Heating & Air Vinyl Sash of Michigan Great Lakes Spray Foam & Insulation* Nicklyn Builders* Ratti Builders*
• • • • •
C&L Ward Frankenmuth Credit Union Mid-Valley Insurance Agency Yeager Roofing Marlo Build & Remodel
WE SUPPORT MEMBERS USING MEMBERS. Member to member support is a great advantage of this Association. Take pride in knowing you support a fellow member, and help to grow the HBA by encouraging non-members to find out more about joining.
Your HBAS Ambassadors
Ambassadors hold high importance in the future growth and leadership within the Association by engaging, educating, and making sure all members understand how the HBA can support them and their businesses. • Bridget Sadenwater, Greater MI Construction Academy • Debbie Beffrey, Credit Services of MI • Fred Wydra, Farmers Insurance
• Kyle Henion, Rummel Insurance • Zack Robinson, My Member/Duclos Insurance
• Jeff Tithof, Tithof Construction
• Brenda Kolka, Saginaw Bay Title
• Jennifer McDurmon, Independent Bank
• Kyler Kane, Wimsatt Direct
• Kevin Quiroz, PaintBox Creations • Laura Hill, The Maytag Store • Michele Bueker, Bueker Development • Mike Tribble, Yeo & Yeo CPAs
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• Tony Bosco, Quality Windows & Doors
New Member Profile: Owen Moore Agency Providing home, auto, farm, life, health and commercial insurance products. The agency was started by Owen Moore in 1973. What began as a small in-home business has grown to a firm capable of handling even the most complex of insurance situations by our staff of 16. The Owen Moore Agency provides protection to customers after a thorough evaluation of your needs – this way you are getting a plan and product specifically tailored to your needs. Our staff is highly trained and intuitive.
We desire to be a prominent figure in the community, with a positive image. Our values are what makes the Owen Moore Agency top notch: cultivating relationships, prioritizing our customers, commitment to excellence, honesty, hard work, community involvement, and consistency. We joined the HBA to not only show our support of the Saginaw area contractors, but to stay informed of their challenges. Knowledge
of the industry helps me better respond to them with the services I provide. The networking opportunities are a huge benefit as well. Contact Steve Kolaja 989.697.4422 skolaja@owenmoore.com 68 S. Huron | Linwood 48634
How Big Are Our Living Spaces? Bedrooms and kitchens account for 28% and 11.2%, respectively, of the space in the average new home, according to a new study from NAHB Economics. The master bedroom alone typically accounts for 10.7% of the home, with other bedrooms comprising 17.3% of the overall square footage. Kitchens have a slightly larger relative footprint in small homes (12.7%) than in large homes (10.5%) — although the latter allocate a larger percentage to nooks 
(3.4% vs. 3.1%) and walk-in pantries (3% vs. 1.9%), which were calculated separately from the
kitchen. Overall, the largest percentage difference comes from the living room or area: 10% of small homes compared to only 4.4% of large homes. Historically, a space designed for a specific purpose was called a room, and it was generally understood that this meant an area separated from others in the home by complete walls, except for normal size doors and doorways. But this definition is not always applicable now, as homes are now routinely separated either not at all, or by various combinations of partial walls, counters, arches, cabinets,
bookcases, columns etc. For that reason, the NAHB survey first asked builders about how space was allocated to various areas of the home, then considered whether or not any of these areas were combined into a larger room. The data come from responses to the November 2018 survey for the NAHB/Wells Fargo Housing Market Index. 11
THE
HUDDLE
A new member to member connection.
What is it?
Share Ideas
The Huddle is a new way of member to member connecting. Smaller group, interesting topics, and a relaxed atmosphere is what you’ll find at these new monthly lunches. Builder, Associate, and Affiliate members are all welcome!
First Wednesday of Every Month
Connect & Grow Find Solutions
Call: 989.793.1120
hbas.org
under “events”
The Huddle Recap: May • HBA Michigan is doing a statewide membership campaign in May • Bay City HBA will be doing a small home and garden show next February • Would like to see more members promoting and talking about the HBA’s advocacy and legislative actions • Discussion of potential decline this and next year due to Boomers selling, and no one buying, their current homes as they move into condos, retirement communities, etc. • New builds seem to be declining as well right now as the homes are not appraising high enough, which means buyers must come in with lots more cash 12
• Title companies are starting to get more strict and focus on details • Ongoing issues with new business owners not understanding the business management side of things due to inexperience and lack of opportunity to learn • Would like to see students learning how to be functional and knowledgeable of basic business management • Also having issue with small businesses coming in with no experience, but getting the work because bigger/more experienced companies won’t do the project or respond to the client • Need to keep pushing that trades are a valuable and good life option – that
everything isn’t about college or university • Delta College has a helpful program for entrepreneurs that isn’t just for students • HBA will be helping Saginaw Career Complex with their curriculum for the building construction classes • Would like to see a Lunch & Learn with a title company • Consumers Crews “hiding”: The crew trucks do having tracking devices on their vehicles. However, they are not always closely monitored. In the event that it appears a truck is hiding, please report it and provide the truck number. • Wrong dates on Consumers notifications: our Energy Request Center will no longer set finish dates.
NAHB Commends Housing Legislation NAHB Chairman Greg Ugalde commended House Financial Services Chair- woman Maxine Waters for seeking to address the housing affordability crisis by introducing the ‘Housing is Infrastructure Act.’ “The chairwoman’s bill highlights the role that additional costs, such as fees associated with infrastructure, play in housing affordability,” Ugalde said. “Providing increased funding for important affordable housing programs and working to lower impact fees and streamline the development process are positive steps.”
OSHA Needs Consent to Use Drones on Your Worksite OSHA is sometimes using drones during worksite inspections in areas that are inaccessible or pose a safety risk to inspection personnel. The potential for OSHA to use drones in enforcement activities has raised concerns from home builders and other contractors. In a memorandum to Regional
Administrators last year, OSHA set forth its policy related to the use of drones during inspections. The memorandum includes “Recommended Best Practices” to be followed by inspectors when using drones. Notably, OSHA must receive consent from the employer to use the
drone. OSHA must also notify all affected personnel on the job site that it will be using a drone.
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This Spring Parade See Our Members’ Best Work The Spring Parade of Homes is in full swing this May, with spectacular homes from our members. Thank you to all of our participating members! • Moeller Builders • Geiersbach Construction • Lifestyle Home Builders • Leinberger Builders • Matekel, Inc. • Zietz Builders • Cobblestone Homes • Kloha Contracting • Pistro Builders • Great Lakes Homes • Beagle Construction • Nicklyn Builders • Pistro Builders • Greystone Homes • ABC Supply
• AboveBoard Remodeling • Answer Heating & Cooling • Anthony Gushow & Sons Excavating • Arizona Heating & Cooling • ASI Building Products • AT Frank • Bedford Plumbing • Belden Brick & Supply • Brubakers • Builders First Source • Carrabs Custom Painting • Carter Lumber • Consumers Energy • Crane’s L&M Appliance Center • DKR Plumbing & Heating • Drywall Service, Inc. • Drywallers Unlimited • Eikenhout • Graebner Excavating • Haas Building-Remodeling
g n i r p S
• Homeland Title • Laurence Smith Windows & Doors • Lloyd’s Cabinet Shop • Lowe’s • Maday Construction • McIntyre Cabinets • Mid Michigan Truss • My Member Insurance Agency • Northeastern Paint Supply • O’Connor’s Carpet One • Osmond Concrete • PPG Paints • R.A. Townsend • River City Tile & Stone • Sherwin Williams • The Maytag Store • United Interiors • Wholesale Electric • Wimsatt Building Materials
May 11, 12, 15, 18, 19 Presented by
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Building Trades Education Supporter
2019 16
Green Building Standard Public Comments Reviewed On average, home buyers are willing to pay an additional $8,728 upfront on a home in order to save $1,000 a year in utility bills, according to NAHB’s recently released study, What Home Buyers Really Want (2019 Edition). The study is based on a survey asking recent and prospective home buyers (people who bought homes in the previous three years or are planning to do so in the next three years)
when
August 17 & 18
SCHEDULE Leave Saturday August 17 @ 10a from HBA Midland for Mackinaw City.
hotel
Block of rooms booked at Sunrise Beach Motel. $159 per night. Block name: Great Lakes Bay Home Builders Group. Call to book: 1-800-334-7239
what they want in a home and community. It is important to note that while the average amount a home buyer is willing to pay is $8,728, the median is $5,000. The difference can be explained by the presence of some very green-motivated home buyers who are willing to pay more than $50,000 upfront to save $1,000 a year.
It may also be the case that these particular home buyers have the means to make a bigger upfront payment. For more valuable data on green features and what home buyers are willing to trade off, please visit BuilderBooks.com and download the latest edition of What Home Buyers Really Want.
2nd Annual Home Builders Bike Run BAY CI TY | SAG I NAW | MI D LAND
Questions? Contact Denis Reichard denis@ieuter.com 17
ME TAI MBE LGA R TE WHERE
Ieuter Insurance 414 Townsend St. | Midland, MI 48640
WHEN
Wednesday, July 17 Tailgate @ 5:30p | Game @ 7p
Bring your family and join a MEMBERS-ONLY tailgate at Ieuter Insurance! Food, drinks, and games provided by Ieuter. After the tailgate, everyone will head over to the Loon’s baseball game! We’ll even have our own section to cheer on the team. RSVP to your local HBA to reserve game tickets and a spot at the tailgate.
RSVP to your local! by 7/5/19 18
MENU
Fresh grilled food & ice cold drinks Hot dogs, brats, venison BBQ
COST
Game tickets $10 each Tailgate free (don’t forget to tip your Grill Master!)
SAGINAW | Michelle Revette | 989.793.1120 | mrevette@hbas.org BAY | Sam Adcock | 989.685.3560 | baycountyhba@gmail.com MIDLAND | Jodi Sasse | 989.835.2562 | jsasse@hbamidlandmi.com
Reviews Show Tariffs Equal $1 Billion Tax The U.S. Trade Representative last year announced its intention to levy tariffs on a series of imports from China. USTR rolled out proposed tariffs in three waves, with the third list (List 3) covering approximately $200 billion worth of Chinese imports. The NAHB economics department examined the imports identified on List 3 and found that the value of the 450 building
materials included on List 3 is roughly $10 billion. So a 10 percent tariff on these goods would represent a $1 billion tax increase on the housing industry. The President delayed the tariff rate increase indefinitely on February 24, 2019, citing “substantial progress” in trade talks between American and Chinese officials. NAHB will continue to monitor import
data releases to examine the possible effects of that announcement.
PROFESSIONAL WOMEN IN BUILDING PRESENTS
3 R D ANNUAL
PIG R OAS T TO HONOR OUR SCHOLA RS H IP RE C IPIENT S
JUNE
12
@ 5:30P
GAM E S Prizes r af f le Olvera’s Food By texas pit BBQ
Oppermann’s Drinks By cork & Ale
CLICK HERE FOR MORE INFO!
WB
Professional Women in Building
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Empowering Women Through Leadership Education Community Networking
WB
Professional Women in Building
The PWB Mission
Join Today
Live to Work, Not Work to Live
The Professoinal Women in Building Council is the voice of women in the Building Industry; dedicated to promoting Industry professionalism, and supporting members at the local, state, and national levels. Through education, professional development, and networking opportunities, PWB helps members acquire and develop invaluable leadership and business management skills that boost career success.
Why?
Council members are educators - helping the public understand that a skilled trades life is a good life fulfilling, enriching, and successful. Council members are leaders - working hard to change the stigma of trades while providing unique opportunities for women, and mentoring the future leaders of our Industry. Council members are problem-solvers finding creative solutions to Industry issues, such as diversity and inclusivity.
PWB dreams of a better tomorrow, and tries to make that happen through community support and student education. PWB wants see other women succeed in life, giving them the opportunity to be influencial and powerful leaders. This is a Council of strong women and men looking to do good in the world around them for the simple joy of doing so - without a "what's in it for me" mentality. We can build a better, more successful future together. If PWB sounds like the place for you, please contact us to get started.
hbas.org •
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Pam Barnes, President, PWB Council pam.barnes@bldr.com | 989.695.5393
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Nicole Schultz, Vice President, PWB Council
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Bridget Sadenwater, Secretary/Treasurer, PWB Council bsadenwater@gmca.edu | 989.832.8879
PWB Board & Brush Fun Night Professional Women in Building got crafty with HBA members at Saginaw’s new DIY art shop. On Monday May 6, the Professional Women in Building Council supported a new localarea business, Board & Brush, by hosting a creative and fun networking night. The goal of this evening was to get to know each other better, and show potential new PWB members
how much fun the council can be. The three hour event featured a delicious potluck, great crafts, and wonderful company (and even some chocolate wine!). Board & Brush offers classes and workshops creating beautiful wood decor for your home. They have
many different designs to choose from, and even offer customization on great-looking clocks, kitchen, and bar signs. PWB loves supporting local businesses, especially those run by women, and those that give you the opportunity to use tools and get dirty!
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Building the Housing Industry Since 1942.
Find out more about NAHB at nahb.org.
NAHB strives to protect the American Dream, while working to achieve success for its members who build communities, create jobs, and strengthen the economy.
ADVOCACY
NAHB is member-driven, with more than 140,000 members across the country. NAHB works to ensure that housing is a top priority so that every American has a place to call home. This is accomplished by championing laws and regulations designed to improve the current and future housing market and economy.
OPPORTUNITY
Members are the most important part of NAHB, who strives to make sure you have the tools and resources necessary to succeed. NAHB provides opportunities like the International Builders Show - the world’s largest gathering for the residential construction industry, and the Home Builders Institute which develops and administers a wide range of training programs for the current and future workforce.
PHILANTHROPY
NAHB is part of your three-tier membership!
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NAHB is affiliated with Home Innovaion Reserach Labs, which develops, tests, and evaluates new materials, methods, and equipment, and standards to improve technology and affordability within the industry. NAHB is also affiliated with the National Housing Endowment, dedicated to developing a more effective approach to home building, education, and training. NAHB is a founding partner and member of the International Housing Association, working to advance all aspects of home building around the globe.
Edible Landscaping a Growing Idea Throughout Midwest Click here for full article by Ray Mueller for the Wisconsin State Famer.
“The more I grow, the less I mow” is the motto for John Holzwart on what happens in the yard at his residence in Sheboygan, WI. Holzwart described himself as an urban gardener, a beekeeper, fruit tree grafter, edible landscaper, an ethical forager of wild plants, and a broom maker. He is also a grower, preserver, and consumer of fruits and berries that he harvests in his own yard and from other sites. Both for himself and others,
Holzwart endorses “edible landscaping” as a way to obtain nutrient dense inexpensive food, reduce the use of fossil fuels and pesticides, and find exercise. Holzwart emphasizes establishing a diversity of plants in order to limit risk of pests and disease, choosing plants on such criteria as size and taste and color of the produce, and being aware of the blooming and harvesting times of the plants. Depending on the plant, the growing site
can be a container, a raised bed, a vertical structure, and a building rooftop along with a ground level growing bed. For a ground level site, he recommends taking out the existing vegetation with a layer of cardboard or newspapers and enhancing the spot with soil-building layers of organic matter and fertilizers topped by compost.
Golf Outing Presented By When Cost
August 9, 2019 | 9am Shotgun Start Twin Oaks Golf Club | 6710 W. Freeland Rd.
Where
$250 per foursome | $65 single golfer | $15 non-golfer dinner pass $50 Shenanigans Pass
Includes Poker Run buy-in, mulligan, & forward tee for each member of your foursome.
Sponsorships Available!
CLICK HERE FOR DETAILS
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Self-Sufficient Biomaterial Home Looks Promising The smart housing prototype shows promise in rapidly urbanizing Africa Click here for full article from UN Environment online.
Africa is urbanizing fast, as its population grows and many flock to cities in search of jobs, education and healthcare. Many of these new urban Africans, however, are likely to end up in informal settlements often without access to energy and sanitation. The growing class
of urban poor need access to decent housing. A prototype was first unveiled at the fourth United Nations Environment Assembly. The 3D-printed modular structure, made from biodegradable bamboo, aims to spark ideas and debate on how future biomaterial processes can help meet the Sustainable Development Goals, Habitat III New Urban Agenda and Paris
Agreement. The pavilion shows how post-agricultural waste can be turned into construction materials. It demonstrates solar energy and water systems that make homes self-sufficient and zero carbon. It highlights how micro-farming can be achieved with plant walls. All these features, are integrated, monitored and managed by sensors and digital controls.
Stand Out Out Your marketing should work as hard as you do.
Members Only Special rates on the things you need to help grow and market your business.
DESIGN MARKET
EVOLVE
Want Creative Services? Terese DiMercurio, Exec. Asst. tdimercurio@hbas.org | Ph. 989.793.1120 25
STRENGTH IN NUMBERS We are your foundation.
We are your partner.
We are your advocate.
Providing you with every opportunity to grow as a business and as a part of the Building Industry, and giving you access to education, resources, and savings to further your career and your passion.
Offering support and guidance by connecting you with other members, keeping you up to date on all things Housing, and offering marketing and advertising opportunities to enhance your business.
Fighting for your rights as a small business in the Housing Industry, giving you a voice on a state and national scale, and working together to make this industry prosperous and successful.
TOGETHER AS ONE VOICE, SUPPORTING YOUR FUTURE.
hbas.org | 989.793.1120 26
Agent. zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz. This May, members of HBA Saginaw will be in a TOP SECRET membership campaign dubbed “Strength in Numbers”. Zzzzzzzzzzzzzzzzzzzz. Your mission is find and recruit new members. The top agent who recruits 5 or more new members will win a fantastic prize. An agent who recruits a member will receive $25 per new member. zzzzzzzzzzzzzzzzzzzzzzz. Every Thursday in May, agents will send HQ (HBAS office) their new members’ files, or they can register online, and will be announced on Fridays. xxxxxxxxxxxxxxxxxxxxxx. MISSION UPDATES WILL BE SENT ON FRIDAYS. If you’re in the lead, HQ will brag on Facebook. XXXXXXXXXXXXXXXXXXXXXXXX. Numbers will not be announced until the end of May. This mission is TOP SECRET, even from other agents. Your mission is to share your passion and pride for the HBA to those who aren’t in the know. Awards will be distributed at the HBA Annual Pig Roast on June 12. HQ will aid our agents as well: -May 6-10: contact made with prospective members via postcard. -May 13-17: Check in with prospectives. ZZZZZZZZZZZZZZZZZZZZZZZZZZZZ. -May 20-24: Agents check in with prospectives. Ask for membership as a favor, to support the industry, for a stronger voice. -May 27-31: Deadline.
GET THOSE MEMBERS, AGENT! THE FUTURE OF THE HBA IS IN YOUR HANDS. 27