At Home in Berks Fall 2012

HBA’s Restoring Hope2012 Build The Extreme Home Makeover Magic Continues in Berks

2012 parade of homes A Preview of Berks’ “Best of the Best” dream homes

“What’s in a name?”

Complimentary

CopyPremier

Issue!

OCTOBER 2012

Breyer Construction and Landscape President Matt Breyer

Home Builders Association of Berks County

Presorted standard

U.s. PostagePaId

Permit #213 state College, Pa

24 Property Tax Independence Act The status of House Bill 1776.

2 From the President A message from HBA Berks President Kevin Kozo.

28 Membership pages New and returning members, member to member discount programs, and an overview of all Association-related events from October through December 2012.

Contents

Departments

Features

4

By Christian D. Malesic, MBA, IOMExecutive Officer, HBA Berks

HBA’sRestoringHope2012Build

After Extreme Home Makeover was filmed and aired, the HBA members continued to talk about how good it felt to give something back to the community.

8 Preview:2012PARADEof HOMESWe’re proud to showcase Berks’ best beginning September 21st through September 30th. Homes are open Fridays from 3-7 pm and on weekends 12-6 pm.

14 King Cash,Queen CashFlow, andPrince ProfitAs cash flows are increased, cash on hand and profits increase over time as well. Though the economic times may be desperate, the rules of corporate finance never change.

Angles

18 2012 Southeast Pennsylvania (SEPA) Fall Home & Garden Show! Don’t miss this spectacular event from October 12th-14th, 2012 at the Greater Reading Expo Center.

12 “What’s in a Name?” Matt Breyer takes great pride in choosing his words carefully so it should be no surprise that “At Home in Berks” was the winning entry.

16 Leasing Commercial Real Estate: A How to Guide The process of finding and leasing commercial real estate doesn’t have to be such a daunting task.

20 On Top of Their Game Local builders share tips on getting the perfect deck.

26 Lobsterfest: A spectacle to behold!

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of our members are involved in other nonprofit associations with the idea of giving back to the same communities that give us so much. We are creators of jobs, providers of new safety items for the work place and your first call for the new addition to your family; whether it’s a new baby, or Mom and Dad are moving in...we are here to help.

Truly enjoying what you do for a living, being good at it, and helping a strong community become just a little stronger is a great feeling and the feeling we have every day when we come to work. So when you are looking for a contractor, supplier, banker, insurance agent or one of many other individuals to help you with your next project, take a moment and visit our web site www.HBABerks.org or call our office at (610) 777-8889 to find the right people, to do the job the right way, the first time.

Sincerely,

Kevin KozoOwner, Turnberry Custom Homes 2012 HBA of Berks County President

From the President

Introducing At Home in Berks.

Welcome to the

Home Builders Association of Berks County’s newest edition, our bimonthly magazine. We are very excited to

have the opportunity to introduce you to our many great members, suppliers, and quality remodeling and new home builders located right here in your backyard. Beyond that, you will have the privilege of seeing how we have all come together with help from people like you, to help families in need through our nonprofit association, Restoring Hope Foundation. Restoring Hope was founded after the extremely successful “Extreme Makeover” when Berks County made national television for our big hearts and great craftsmanship. We didn’t stop there! Inside you will find photos and details from our 3rd project – the 2012 Build.

We are an active and involved membership in Berks County. Many

The written and visual contents of this magazine are protected by copyright. Reproduction of articles or images online or in print without first obtaining written permission from Niemczyk Hoffmann Group, Inc., and/or the Home Builders Association of Berks County is strictly forbidden.

Publisher: Niemczyk Hoffmann Group, Inc. I 610.685.0914 2921 Windmill Road, Suite 4, Sinking Spring, PA 19608 Dave Hessen, Director of Creative Operations. [email protected]

2012 HBA BerksBoard of Directors

Officers:PresidentKevin Kozo

Turnberry Custom Homes

First Vice PresidentCathy Sloan

Hartman’s Home Improvements

Second Vice President Patrick Dolan

Dolan Construction, Inc.

SecretaryChad Camburn

Bursich Associates, Inc.

TreasurerJohn Schmoyer

Fulton Mortgage Company

Immediate Past President Kert Sloan

Aluminum Associates/Sloan Corporation

Builder DirectorsMarco Folino

Folino Homes, Inc.

Ed AnewaltAnewalt’s Landscape Contracting

Diane SalksRiverview Tree & Landscaping, Inc.

Daphne FrownfelterDeer Mountain Kitchens

Associate DirectorsJim Patterson

Lezzer Lumber, Inc.

Greg EshbachMalsnee Tile & Stone, Inc.

Jim GavinMasano Bradley Attorneys At Law

HBA StaffExecutive Officer

Christian D. Malesic

Membership Coordinator/ Office Manager

Katie Mauger

2 AT HOME IN BERKS OCTOBER 2012

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The HBA Restoring Hope Foundation was formed to grow from the Extreme Home

Makeover: Berks Build, that the Home Builders Association (HBA) of Berks County did in 2010 for ABC’s popular television show. After the show was filmed and aired, the HBA members continued to talk about how “fun” it was and how it “felt good” to give something back to the community that provides us our livelihoods. Just because the show left town, didn’t mean the idea left with it. HBA’s Restoring Hope was born!

Leadership Reorganization

I was appointed Building Chair for the 2011 Build, which had a steep learning

curve. We had too many Indians and no chiefs, causing the project to exceed its one week Build time frame. But, the end

result was still very gratifying. Fast forward to the 2012 Build. We found ourselves making monumental changes from the lessons we learned from the previous year. With the help of our new Executive Officer Christian D. Malesic, HBA President Kevin Kozo, and HBA Vice President Cathy Sloan we began to overhaul the way HBA Restoring

Hope Builds would be done in the future. We knew that we needed to use the massive amount of managerial talent from the HBA membership and began reorganization at the top ranks of the foundation. I was moved up from

Building Chair to the Chairman of the Board for the 2012 Build year to retain, and grow upon, experience. We then appointed a new Building Chair, Eric Keller of Berks Fire Water Restorations, Inc., who was an amazing addition to the team.The previous year’s Board of Directors all agreed to continue volunteering, so the team was ready to start the process of picking an applicant.

Applicant Selection

Advertisements were placed in various publications looking for applicants to apply for the 2012 Build. While waiting for applications to come in, we began to work on how we were going to manage the project. Having coached football in the past, I knew a team effort was always the way to go. We wanted a Build that could be completed in a week’s time to ease the burden on contractors, volunteers, and suppliers. Especially in an economic downturn, it is difficult to be away from the business for more than a week. After carefully reviewing the applicants, we narrowed it down to three. We then did credit and criminal background checks on the finalists. The final decision wasn’t easy as all of the candidates were solid. There was one applicant that the Board unanimously agreed would be the 2012 Build recipient - Mary Jo Van Sant from Muhlenberg Township.

The Announcement

The next step was to get together as a Board with the family and do the “Ed McMahon give-away” on the front porch of the home. This was the start of emotional feelings that would last to the end of the Build. We then toured the home and decided to make a detailed print of each room of the entire house listing the most important issues to address in each room.

Planning

Next, we worked on an hour-by-hour daily schedule of the six days we would be on site. Each Board member then got on the phone and made calls to get volunteers, suppliers, contractors, painters,

HBA’s Restoring Hope 2012 Build By Kert Sloan, CGR, CGP, CAPS


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artists, etc. This is when you start to see true Americans come together for a great cause to help their fellow citizens.With the plan detailed in a 3” thick 3-ring binder and the volunteers onboard, the only thing left was to get the building permit. With the help of Jamal Abodalo and Mike Malanowski, Muhlenberg Township Commissioner, we were able to get signage for reserved parking spaces, permits, and timely inspections so the project could keep moving. They also were a big help in getting some of the Muhlenberg community businesses involved in the project. Once again, we found ourselves in a total team effort.

2012 Build Week

Day 0, (pre-Build) Sunday, June 10th, 2012: Everything is set, the scheduling is done, over 100 volunteers are ready and waiting. Meetings are over, phone calls and emails have come to a halt - all the months of planning are put to the test. This is the day Mary Jo turns her keys over to us and she and her children go on a mini-vacation, with the hopes and aspirations on both sides that this project will be the ultimate transformation of the hopes and dreams of one’s castle.Kickoff: Monday, June 11th, 2012. We arrive at 6:00 a.m. to set up an area for all contractors, volunteers, and suppliers to check in. We also set up an area with water, fruit, and snacks courtesy one of our local grocery stores. The game plan is to start on the 3rd floor, installing windows, plus tackling any other work as we work our way down to the first floor. There is always something that seems to go wrong on every remodeling project. And the 2012 Build was no different. We were going to have the chimney in the back porch area repaired that first day; but as it turned out, it was crumbling in their hands as they were trying to repair it. We made a quick decision to just have it replaced. We were able to rebuild it at no cost that very day.The next couple of days went as planned and on schedule, but on Day Four there was another problem to solve. We had to bring in a lift to be able to paint the mansert, but we had to bring it up onto the sidewalk so it was not protruding

The goal of the 2012 HBA Restoring Hope Foundation Project was to help out a loving, hard-working middle-class family who needed friends and family to get them through a tight spot. We received

16 applications for this year’s project and the Board narrowed it down to three candidates; and then selected Mary Jo Van Sant and her two children, Kerrigan & Derrick Bortz of Muhlenberg Township, Berks County. The Project officially began on Monday, June 11, 2012 and the Big Reveal was Saturday, June 16, 2012.

the mission

The Recipients...

2012 Build Leadership TeamKert Sloan, Chairman of the Board

Eric Keller, Build Chair

Sherrie Hallowell, Secretary/Treasurer

Trisha Urban, Fundraising Chair

Christian Leinbach, Board Member

Deb Kearse, Board Member

Lori Gerhart, Board Member

Diane Salks, Board Member

Beth Hahn, Board Member

Brad Concordia, Lead Volunteer

Christian D. Malesic, HBA Executive Officer

Katie Mauger, HBA Office Manager

Continued on page 7

OCTOBER 2012 AT HOME IN BERKS 5

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• All levels of roofs were replaced with new underlayment • All windows were replaced, re-flashed, and new blinds installed• New doors & screen doors • Water damage was repaired and patched• HVAC system was converted from oil to gas and completely replaced• Substructure of kitchen and dining room was repaired and underlayment replaced• New carpeting & vinyl flooring throughout home• New refrigerator, new TV, new microwave, and repaired and cleaned existing oven• All furniture new or renewed • All new box springs, mattresses, linens, and bed spreads • Entire house painted with custom artwork by local artists• New unique paintings custom prepared and designed as per the tastes of the family• Front porch completely rebuilt from sub-structure up with new decking, safety rails, patio furniture, throw carpet, and flowers• Sidewalk replaced with new concrete• Large storage closet off of kitchen converted to powder room• Kitchen entirely rebuilt and refaced with new cabinets added • Rear flower bed and small garden installed, complete

If you want to watch the build in progress, we posted a series of videos on YouTube which document the process.

At the HBAberks YouTube Channel, you’ll be able to see: (5) daily briefings (1 for each Build day); (3) private tours of the finished home (1 for each floor); (1) volunteer photo collage; and (1) big reveal (see the family’s expressions of joy and excitement).

HBA Berks on YouTube!

www.HBArestoringHOPE.org

inside the build

An estimated $85,000 (retail) and over 2,000 man hours were invested in the house over the 2012 Build to repair or replace the following:

with plantings


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out onto the main road. The weight of the lift and the undermining the gas company had to do to set up the new heater for gas caused the sidewalk to collapse. There was another quick decision made by our leads on the project, so we could get it repaired. With the help from family members and other volunteers the sidewalk was dug up and prepped for new concrete. The total repair took approximately 3 hours to complete, but we didn’t lose a step and stayed on schedule. The last day-and-a-half went as planned and we were ready for “The Reveal.”

The Reveal

The family was picked up at the hotel and brought back to their newly remodeled home in a limo. The best feelings were seeing their expressions as they exited the limo and were greeted by other family members, friends, neighbors, and volunteers followed by a tour of their new home. Every room brought with it new expressions and emotions from them and us. We ended the day with a thank you party for all involved and the family. I believe everyone left with a feeling of accomplishment and knowing we did the right thing for the right family.In closing, the HBA Restoring Hope 2011 and 2012 Builds were the most rewarding moments of my life. We developed a team of individual companies and volunteers that never worked

ABOUT THE AUTHORKert E. Sloan, CGR, CGP, CAPS is the President of Aluminum Associates, Sloan Corp. and both the Chairman of the Board of HBA Restoring Hope and a Past President of the Home Builders Association of Berks County.

www.HBArestoringHOPE.org

1047 Old Bernville Road Reading, PA 19605

610.926.8800 800.578.5645

(South of 222 off 183 N behind Classic Harley)

You know us for our Outside products.Decking • Railing • Fencing • Roofing • Siding • Windows

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Kitchens • Baths • Cabinets • Countertops

together before. There were no monetary rewards or profits, just the satisfaction that we were doing the right thing as true Americans helping out a fellow American when they needed it most. The members of the HBA showed we are not just builders, remodelers, tradesmen, and associates of the HBA looking for profit and more business. We are just ordinary people belonging to an association for the common good of Berks County.I’ll repeat the phrase our Executive Officer coined: “It’s a hand up...not a hand out.”


hbaberks.org

The Home Builders Association (HBA) of Berks County is proud to announce the lineup for the 2012 Parade of Homes. The Parade will run over two Friday – Saturday – Sunday periods; beginning on Friday, September 21st through Sunday, September 23rd, and again from Friday, September 28th

through Sunday, September 30th. Homes are open on Fridays from 3-7 pm and on weekends 12-6 pm.All are waiting for you to preview the quality construction and design. We hope you will take the time to see as many as you can fit into your schedule. Use this Guide for a brief description of each of the homes, and then follow the directions to see for yourself the craftsmanship our builders have put into each Parade entry.A special thank you to the corporate sponsors of this year’s Parade - for their commitment to the participating builders and the Home Builders Association of Berks County.

Enjoy the Parade!

Directions: From Rt. 222, Take Rt. 183 North to Bern Church. Turn right onto Plum Creek Road. At first stop sign, bear Left onto Plum Road. Continue past next Stop sign. Then, turn Left onto Bagenstose Road, Turn Left onto Scull Hill Loop Road – go ¼ mile to Avignon Court.

Etoile Development Group LLCThis classically European styled 2,600 sq. ft. home features 3 Bedrooms and two baths with amenities typically found in homes listed at twice the price. Lutron electronic lighting, WiFi throughout, exotic levels of granite and marble, heated ceramic bath floors, towel warmers, Kohler, Duravit and Fluid plumbing fixtures and fittings, full security system with exterior video, Anderson 400 Series Windows and Patio Doors, Jenn-Air stainless appliances including wine cooler and warming drawer, Geo-thermal heating and cooling, genuine stone veneer and stucco exterior – the list goes on! Built to last for generations.

ofParade Homes

2012

Friday, September 21st-Sunday, September 30th.


hbaberks.org

DiBiase Construction, Inc. “LA Dolce Vita” At Sugar Hill Subdivision – 467 Miller Road, Sinking Spring, PA 19608.Tuscan inspired 5 bedroom, 4 bath, timeless classic home. Full stone front with covered large porch and over 4,000 sq. ft. of relaxed elegance. Country living with very easy access to Rt. 222 and Rt. 422, shopping and golf courses. One acre tranquil lot with public water/sewer, hilltop views, alfresco entertaining and lush landscaping. Kitchen is enormous, with exquisite cabinetry millwork, high grade appliances, rustic oversized tiles, upgraded granite counters, carrara marble backsplash, and gorgeous chandeliers. The huge island serves as a casual buffet-style entertaining which encourages mingling. Double set of french doors lead to a private office which is serene, functional, and the perfect man cave. Master suite is large, yet intimate, bright and has a spacious, relaxed sitting room and two large custom closets. Master bath is your own private spa. It is complete with his/hers vanities, custom tiled shower, whirlpool bath and all in a luxurious and soothing palette. Leave your cares at the door and enter this inviting, relaxed simply enchanting home which offers you the lifestyle you would find in Tuscany – it’s about the (sweet life) family, friends, and gathering to enjoy!

Directions: Take Rt. 222 to Mohnton Exit. Then, turn onto Grings Hill Road. Turn left onto Miller Road and follow to 467 Miller Road on your left.

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DiBiaseConstruction, Inc.

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L.A. Kehres Building & Remodeling, Inc. Original two- story L.A. Kehres home. Large doors and windows with unique grid patterns. Exterior consists of Dri-vit, Bucks County Ledgestone and siding. Open floor plan, 9 foot ceilings, and cathedral ceilings add to the individuality of the home. Over-sized kitchen features staggered ivory glazed cabinetry and ceramic tile. Mechanical features include: Constant Pressure well pump, On-Demand water heater, and generator back-up. This 4 bedroom, 2.5 bath is a MUST-SEE home.

Directions: Take Rt. 12 to Rt. 183 N. Make a Left onto Van Reed Road at Exxon Station. Go to First stop sign and make right onto Blessing Road. Then make the first right onto Dickinson Road. At top of hill, make first left onto Victory Circle. Proceed to second cul-de-sac, and house is on the right.

Grande ConstructionAugust 58’ – This Elaborate 5 bedroom home is in the heart of prestigious Green Valley Estates. This home is an upgrade on its own with the amazing floor plan and the special touches of craftsmanship. The master bedroom is extended with a sitting area and the master bath has a custom tiled shower with a Jacuzzi. The second floor balcony is arched with natural light shining through to the family room. The kitchen has upgraded granite as well as additional custom cabinets. With the sunroom adjacent to the kitchen and family room, the main level of the home is very spacious. The brazilian hardwood floors in the dining room, living room and family room give an extra touch of elegance. Come and enjoy the touch of warmth this house has to offer.

Directions:Take Business Rt. 422 W/Benjamin Franklin Hwy to Penn Avenue West. Turn right onto Green Valley Road. Then, turn right onto Faust Road. Take the first right onto Fairwood Avenue followed by the second right onto Connecticut Avenue. Destination is on right.


hbaberks.org

holt

Garman Builders Inc. The Bristol by Garman Builders Inc. is a family friendly, two-story home. The first floor features a Classic Garman kitchen with granite countertops and black appliances; and a dining room with flex-space. The second floor features a spacious master bedroom with (2) walk-in closets, laundry room, and (3) additional bedrooms with large closets. Garman Builders – a tradition of excellence.

Directions: 422 West to Myerstown. Turn right onto Ramona Road: Oaken Way is one mile on the left.

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hbaberks.org

Matt takes great pride in choosing his words carefully so it should be no surprise

that his thoughtful submission, At Home in Berks, was the winning entry. When asked how he arrived at such a title, Matt reflected on the Berks home building community and stated that it was the first thing that came to mind since HBA members are focused on everything about the home and our community; and that’s exactly what the selection committee thought.

To be completely impartial and show no favoritism, a team of judges was assembled from sister Home Builders Associations. Comprised of association executives across the United States, the selection committee sifted through a multitude of entries to find the title that reflected the editorial focus of the new magazine. At Home in Berks was developed to provide useful and practical business management tools for the HBA member, create a stronger sense of fellowship within our community ranks; and deliver industry advice for home, business, and property owners seeking

ideas on home building, maintenance and living trends. A house is only a house. You, our readers, make it a home.

And the Winner Is...Matt Breyer founded Breyer Construction and Landscape, LLC in 2001 with his brother, and business partner John. They could not have chosen a more challenging time to open a business as our country was about to experience one of the most horrific events of our time. Nonetheless, the brothers forged ahead, and the business not only weathered the recession of 2001, it grew with great strides.

Fast forward to 2012 and Breyer tells the story of a growing family-owned business with ten employees that provides residential remodeling services with a specialty for designing and building custom decks. Known regionally for his honesty and integrity, Breyer finds the custom deck building business to be rewarding from many aspects. States Breyer, “it’s important to fully understand

client needs before moving forward as decks are typically the center of outdoor entertaining and often support many people. We build for current and anticipated needs by considering aesthetics and the flow of traffic for a more functional deck or gazebo but we

also build to accommodate the weight-bearing properties and building codes in relation to the entire scope of the project. We take great pride in seeing our clients safely enjoying their outdoor living spaces for many years to come.”

Decks and outdoor living spaces have evolved. Homeowners are looking for

A lot, according to Matt Breyer, president of Breyer Construction and Landscape, LLC, and our “Name the HBA of Berks County Magazine” contest winner.

What’s In a Name?Contest winner!#


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Matt Breyer proudly calls Berks County home with his wife Anna, and their four children, Katharine, Mercedes, Dustin and Vance (born in August 2012); and he continues to look forward to helping Berks and the HBA find new opportunities for our community to grow.

expanded outdoor environments, and Breyer Construction and Landscape LLC delivers on many levels. “People know us as the ‘Deck Guys’ but we offer so much more. Our clients are looking for new ideas to incorporate hardscaping, ornamental livingscapes and functional transitions between the outdoor spaces,” says Breyer. “We love working with homeowners to help them maximize their entire outdoor entertainment space.”

Breyer believes service to the community and service with business and industry associations offers an opportunity to connect, learn and give back. It’s all part of contributing to building stronger communities, and he is living by example. His company, Breyer Construction and Landscape, LLC, participates in an annual deck giveaway program where they build a free deck for a deserving recipient. He enjoyed serving on the HBA Extreme Makeover with such a great team of volunteers. He is a past Board member of the HBA of Berks County, and has enjoyed serving on many of its committees. Breyer is also a member of several Chambers of Commerce, the North American Deck and Railing Association (NADRA), and is currently president of the Pennsylvania chapter of NADRA.


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Expenditure

IncomeCompanyM N P Q R

55

50

45

40

35

30

25

20

15

10

5

0

Income and Expenditure (in milliom US$) of �ve companies in the year 2011

Income-Expenditure

Expenditure% Pro�t/Loss = x 100

Cash vs. Cash Flow vs. ProfitThe common experience of preparing to wash your face provides a simple analogy for these complicated and intertwined financial metrics. Both the spigot and the drain represent cash flow which can be further defined as inflow (spigot) and outflow (drain). The water pouring into the sink bowl is analogous to the revenue flowing into the company. For cash inflow, it does not matter whether the product/service was sold at a profit or loss, only that revenues flow in. Conversely, all of the expenses of the firm, from the electric bill to insurance to payroll to vendor charges are represented by the drain. Just as water flows out of the sink bowl, cash outflows from the firm. The water accumulating in the sink bowl represents cash-on-hand. Finally, the increases (profit) or decreases (loss) in the amount of water in the sink bowl, from one measurable time to another, represent the profit of the company. So, for example, a firm may measure profitability monthly, quarterly, and/or annually which means they are comparing the inflows of revenue minus the outflows of expenses to determine which was greater during that period. If inflows were greater,

the company was profitable. If outflows were greater, the company operated at a loss.Each measure of financial accomplishment is necessary. What’s more, increasing each measurement is essential to continued operations and growth.

King CashKing Cash rules the kingdom. The larger your firm’s pile of cash, the better you can sleep at night. Though savings does not solve problems, it does give you something unattainable otherwise: time. If the firm is operating in the red (unprofitable) or cash outflows are greater than inflows (negative cash flow), cash-on-hand buys you the desperately needed time to correct these problems. They will both need to be corrected to survive; cash buys you the time to figure out how to turn it around. Ironically enough, by definition, the cash your firm has now came from positive cash flows and profitability at some earlier point in the company’s history. It was neatly gathered together annually in the Retained Earnings line item of your Balance Sheet and stored in your savings account.Absent actual cash-on-hand, the firm

must turn to debt in troubled times. Unfortunately, banks and lenders are slow to loan cash to troubled companies. Thus, if your firm is in a crisis and you did not execute a financial disaster preparedness plan when times were better; there is little you can do other than to liquidate assets. If, on the other hand, all three metrics are up, now is the time to apply for, or raise, the firm’s credit line. This is best done with a recently signed large contract in hand and the latest financial statements neatly printed and expertly bound.

Queen Cash FlowKing Cash rules the kingdom as its head of state; but Queen Cash Flow is its neck. And everyone knows the neck turns the head. Thus, assuming your firm is not cash rich, the metric that rises above the others in demand for your attention is cash flow.Imagine a situation where the company is profitable on paper, meaning it is selling its goods/services for more than the cost of delivering them; but, cash is not flowing. This would mean revenue is due in as Accounts Receivable; yet, has not arrived at the firm’s door. How long can a company survive? Assuming the firm has no cash-

By Christian D. Malesic, MBA, IOM

It takes cash-on-hand to run a business. Cash allows bills to be paid, payroll to be met, and capital improvements to fuel expansion. Cash, however, depletes quickly and must

be replenished by a steady cash flow stream for the business to survive...even in the most prosperous times. In the new economy, poor cash flow kills companies.

King CashQueen Cash Flow

& Prince Profit

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on-hand and no means of acquiring a quick, temporary infusion of cash (credit line), the question can be answered with another: how long will you and your coworkers continue working for a firm after a pay date has come and gone with no pay? Suffice it to say, the company’s demise is measured in weeks not months or years.

Prince ProfitCompanies are in business to make a profit - period. Without profit, there is no growth and corporate value diminishes as assets age and depreciate. Profit, like the Crowned Prince, must be treated with respect to prepare for the future. Profit can be overlooked in dire situations to satisfy King Cash and Queen Cash Flow. If, however, this is done for more than brief periods of time, the future of the company is in jeopardy. Financial metrics are the royalty of the company. Each must be attended to and cultivated. As cash flows are increased, cash-on hand and profit increase over time as well. Though the economic times may be desperate, the rules of corporate finance never change. As complicated as these topics may seem, they can be boiled down into a very simple principle you probably learned growing up – “if momma ain’t happy nobody’s happy.” Look after your cash flow and that positive cash flow will look after everything else.

ABOUT THE AUTHORChristian D. Malesic, MBA, IOM is the Executive Officer of the Home Builders Association of Berks County. He provides insight on construction issues, business operations, marketing, personal finance, and occasionally on political philosophy/history. Contact Christian at the HBA of Berks County office: [email protected], or to receive notice of the newest articles written by Christian, follow him on Twitter @CDMalesic.

a homemake your house

3049 Pricetown Rd. (Rt. 12) Temple610.929.5049 | riverviewtree.com PA # 005859

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The process of finding and leasing commercial real estate can seem like

quite a daunting task, especially if you have never done so before. If we take a look at some of the key steps in this process, perhaps we can assist those who are in need of commercial space.

Analyze Your Wants & NeedsFirst, you need to know your space requirements in square feet before the search can begin. With an understanding of your desired size, your preferred geographic location is the next important consideration. What area do you serve? From where do your clients come? Are you close to other important amenities that may compliment

your business? Do you need a location that is easy to find because you will be having many visitors? Or can you save costs by having an out-of-the-way office or warehouse?

Choose the Right ProsWorking with a competent Realtor can greatly assist this process. They can help in surveying the market to find the appropriate qualified locations for your deliberation. You can then tour each of the properties and further assess the amenities and services of each space. Is the property neat and clean? Does it portray an image you want associated with your own business? Does it provide ample parking for your needs? Does

the building appear safe and inviting?How does the space work for your needs? Can it be modified to accommodate your business specifically? Does the landlord offer any services to assist you in envisioning how this space may work for you? Architectural services are normally your responsibility if you want to adapt the space for your use, but occasionally you may encounter a landlord willing to assist in the process. You will want to know just how extensive the modifications will be to have the space meet your needs.Once the search has been narrowed to a key location or two, you should evaluate the landlord’s proposed lease. The lease will indicate the terms of your lease arrangement. A lease, like any business relationship, should be mutually beneficial to both parties. Is the landlord willing to modify their proposed lease or is it a take-it-or-leave-it proposition? Be sure you are comfortable with the terms and that they adequately represent both parties. Ask questions until you are satisfied.

How are You Charged?Are the utilities properly billed? How are Common Area Maintenance (CAM) fees handled? Who pays for repairs? What are the exit provisions should you choose to leave?The type of lease can also vary. Is your lease a “gross” lease or a “net” lease? This will determine who pays for what and how consistent your commercial lease expenses will be each month.A gross lease is when the landlord pays the property taxes, insurance, and maintenance costs. As the tenant, you pay a set amount each month, which may be broken into two categories and labeled as “rent” and “CAM Fees.” The important distinction is that the amount you owe each month does not change from month-to-month

or year-to-year during the term of the lease. Net leases share some of the costs between the landlord and tenant in three different variations. A “single net lease” is when the tenant pays the property taxes as well as their rent. A “double net lease” is when the tenant pays for taxes and building insurance plus rent. A “triple net lease” is when the tenant pays for taxes, insurance,

and normal maintenance fees (such as utilities, yard maintenance, snow plowing, etc.) plus rent. It is important to distinguish the difference between the maintenance cost of a triple net lease and CAM Fees. Triple net leases pass the actual maintenance costs on to the tenant which may vary significantly from month-to-month; whereas, CAM fees are a set amount per month every month of the lease. Obviously, CAM fees make budgeting much easier. Make sure you understand the terms of your lease agreement and that you have a strong understanding of the costs involved before you sign the lease. Understand what the landlord may or may not contribute to the cost of improvements to the leased space.

Do Your Homework Up FrontEntering into a lease agreement is entering into a partnership. Interview the building’s

Leasing Commercial Real Estate:A How to GuideBy Patrick J. Dolan


hbaberks.org

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landlord to ensure you are comfortable with your new partner. Ask them about their maintenance history and procedures. Understand the policy for repairs and emergency items (depending on the nature of your lease). There can be tremendous advantages to leasing commercial space. Each individual or company must go through an evaluation process to determine what is right for your own business. Hopefully, through proper due diligence, you can enter into an agreement that serves your needs well for many years to come.

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Lease CalculatorGross commercial leases

are often calculated differently than residential leases; though, the end result is the same – a set monthly

amount due.

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Square Footage (x) Annual Rent/sq. ft. (+) Square

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= Annual Amount Due/12 = Monthly Amount Due

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Annual CAM Fee: $2.50 sq. ft.

Rent: 1,507 sq. ft. (x) $12.00 sq. ft.

= $18,084.00 Annually (+) CAM Fee: 1,507 sq. ft. (x)

$2.50 sq. ft.:= $3,767.50 Annually

= $21,851.50 Annually/12= $1,820.96 Monthly


hbaberks.org

2012 Southeast Pennsylvania Fall Home & Garden Show!

Join us at the

The Home Builders Association of Berks County and Show Technology Productions invite you to come out and explore the show, compare prices,and get the best deals. Plus, take advantage of exclusive “Show only”

discounts and pricing when you buy direct! During the show, meet with Berks County’s finest builders and remodelers, check out the landscaping displays, latest in kitchen and bath trends, home improvement alley, and much more! In addition, complimentary wine tasting, cooking demonstrations, shopping, and DIY (do-it-yourself ) seminars will be available all weekend long. Past attendees have come back year after year to find the latest and greatest products and services available to the people of Berks County, PA.

October 12th-14th, 2012 at the Greater Reading

Expo Center

Friday, October 12th2:00 pm to 7:00 pm

Saturday, October 13th10:00 am to 7:00 pm

Sunday, October 14th11:00 am to 5:00 pm

SEPA Fall Home & Garden Show Exhibitors:The show will have over 80 exhibitors who specialize in building, repairing, maintaining, and decorating your house or turning it into a home by providing products & services to make it more warm and cozy. The following exhibitors are also members of the Home Builders Association of Berks County: A.K.A. The Fence CompanyAdvanced Water Resources, Inc.,Aluminum AssociatesBachman’s Roofing, Building & Remodeling, Inc.Breyer Construction & Landscape, LLCEast Penn Energy Solutions LLCInstall AmericaMartin Appliance & Water ConditioningRiverview Tree & Landscaping, Inc.Rozzi Brothers, Inc.

For additional information please visit us online at

HBAberks.org or call the HBA staff at (610) 777-8889.


hbaberks.org

stealth.bibca.orgC: 717.645.1538 / O: 717.231.3925

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hbaberks.org

Adding a deck to your home extends living space and can help your home

to maintain or even increase its value in difficult economic conditions. In Berks County, many residents enjoy their decks from spring until late in the fall.

If you’re considering adding a deck to your home, it pays to take some time to carefully plan for what you want, taking into consideration what you’ll want to use it for, the best location for the deck, how you want it to look, how much it will cost and other factors.

If you’ve already got a deck, you might be looking to make improvements, or simply how to best maintain the structure.

We asked some local builders and a materials supplier to share their expertise regarding planning, building and caring for a deck.

Matt Breyer, president of Breyer

Construction and Landscape, LLC, Reading; Tom Achenbach, president of AKA The Fence Company, Robesonia; and Scott Moyer, co-owner of A.D. Moyer Lumber, with locations in Gilbertsville and Pottstown, responded.

What should consumers consider when planning for adding a deck to their homes?

Breyer prefers that clients have a good idea of what the deck will be used for, as the purpose for the structure affects the way it will be designed and built. For instance, he asks “is the deck’s primary purpose access from the house to the yard, to create a private space in which to enjoy morning coffee or to provide expanded living space for entertaining?”

Each of those purposes, Breyer says, would necessitate a different type of deck.

“I encourage my clients to have a good idea what they’d like to use the new space for. That’s very helpful when it comes to planning.”

Breyer Construction specializes in deck design, but some homeowners prefer to come up with their own design and then hire a contractor to build it. If that’s the case, Breyer recommends that the homeowner consults some deck/patio design books, or gather some ideas from deck designers’ websites.

What materials do you recommend for a deck?

Achenbach explained that, while pressure treated wood is standard for the posts and framework of a deck, there are three types of deck boards from which to choose. They are: pressure treated wood, which is the most economical; composite decking, which is a combination of wood and vinyl; and a cellular PVC product, which comes with a lifetime warranty.

While the composite and PVC products are more expensive, Achenbach recommends using them, if possible.

“You get a better return on investment, and have less time and money spent on maintenance and replacement,” he says.

Moyer also recommended composite decking and railing, with the traditional pressure treated framing structure.

“There are several superior composite decking products on the market now,” he says. “Our best sellers and performers have been the Trex Transcend decking and railing line, as well as the Timbertech Earthwood Evolutions decking with its RadianceRail system.

On Top of Their GameLocal Builders Share Tips on Getting the

Perfect DeckBy Susan Shelly


hbaberks.org

Both of those decking materials are composite core with capped surface, providing maximum durability and stain resistance. “In addition, they feature pre-grooved edges that accept hidden fasteners, providing a very clean, installed appearance.

What’s the responsibility of the homeowner regarding zoning regulations and codes?

Both Breyer and Auchenbach stress the importance of working with local zoning and building departments to make sure

you have the proper permits and are in adherence with property line set-backs, size restrictions and other considerations.

A reputable deck professional will be aware of, and up to date regarding building codes, and able to walk you through applying and obtaining necessary permits.How can a homeowner find a reputable builder to construct a deck that will exceed expectations?

Finding a top-rate builder is key to getting the quality and service that you expect. While Pennsylvania requires all contractors to be registered, quality varies greatly.

Moyer says that consumers can look up a contractor’s registration number on the state Attorney General’s website (www.attorneygeneral.gov) to check for unsettled complaints against the builder,

Continued on page 22


hbaberks.org

that the company is properly insured, and other important information.

Breyer recommends asking about memberships with local, state and national organizations, including the Home Builders Association (HBA) of Berks County - www.HBAberks.org, the Pennsylvania Builders Association (PBA) – www.PAbuilders.org, and the National Association of Home Builders (NAHB) – www.nahb.org.

And, Auchenbach says, be sure to ask for references from at least two or three prior customers for whom the builder has completed similar projects. Word of mouth recommendations also are valuable when looking for an honest, reliable and professional contractor.

Don’t be afraid to ask questions about where the builder obtains materials, what kind of warranty he offers, how long the project will take and what results you can expect. Be sure that all of your questions have been answered and that you fully understand how and when the project

will begin, and proceed before signing any agreements or making any payments.

What factors must homeowners consider if they decide to build a deck on their own?

Generally, it is safer and more desirable to hire a professional to build a deck than

to attempt to do so yourself. Specialized knowledge and tools are required, and the task often turns out to be more daunting than anticipated.

However, if a homeowner is determined to build his own deck, Moyer recommends that his first step is to check with municipal officials regarding

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regulations and requirements. “Many municipalities include this information on their websites,” Moyer says.

Breyer also says that do-it-yourselfers would be well served by buying a copy of “Deck Construction Based on the 2009 International Residential Code,” which is the industry authority on deck construction.

Or check with local builders to see if you can partner with a professional to get help with stages of the project that may be too complicated or unsafe to do on your own.

Moyer continues, “once a homeowner has rough deck design drawings and measurements, he can take them to a building materials supplier that offers free deck design services to get an approximate materials list and estimate.”

How can homeowners’ best protect and enjoy their investment in their deck?

Wooden decks should be washed every year, and stained, sanded and waterproofed at least every other year. Also, rotting or rotted boards should be replaced promptly, as they can be a safety hazard. Watch for splintered wood, which also can be a safety hazard.

Breyer adds “it’s best to use a special deck cleaner, applied with a long-handled

brush, and to rinse the deck with a hose, rather than pressure washing a wooden structure. Pressure washing can be too harsh and actually result in damage to the wood.”

Auchenbach recommends that wood decks be treated every two years with a water-resistant stain or paint. “An initial water seal should be implemented one to two months after the deck is installed, giving the deck boards time to dry out before the seal is applied.”

Composite and Cellular PVC decks

are virtually maintenance free, although you may wish to clean them with a detergent recommended by the decking manufacturer.

A well-constructed deck and properly maintained deck will provide years of enjoyment and also assure that you’ll be likely to recoup its cost if you sell your house. Studies have shown that more than 85 percent of the cost of building a wooden deck can be made up when the home is sold – more than most other remodeling or construction projects.

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hbaberks.org

Property tax reform has been tossed around among Pennsylvania state legislators for decades. It continues

to be a topic of debate in its current format, House Bill 1776, known as the Property Tax Independence Act.

Property taxes, which school districts increasingly rely on for income as other sources have decreased, now account for more than 60 percent of school funding. The taxes are burdensome to many homeowners, and pressure has been mounting on legislators to find an alternative.

House Bill 1776, which would shift the tax burden away from property tax to income and sales taxes, supplemented by slot machine taxes, was officially introduced in the PA House of Representatives on April 5 by Rep. Jim

Cox (R-129), a Berks County Republican. The Bill had 60 cosponsors, including 43 Republicans and 17 Democrats.

The Property Tax Independence Act, which also contains new taxes on some goods and services, was referred to the House Finance Committee on April 10. On June 11, the committee voted 13-11 to table the bill, saying it needed further evidence that the Bill would provide revenue equal to that raised through the property tax.

Finance Committee cochairman Kerry Benninghoff, a Republican serving parts of Centre and Mifflin counties, said the tax plan contains significant revenue shortfalls, and that it would have been irresponsible to vote on it in June.

Cox was upset at the committee’s failure to send the bill to the House floor,

Property Tax Independence Act

(House Bill 1776)

where he predicted it would be favorably received. “I’m very disappointed, tabling the bill was not what I wanted to see” Cox said.

However, on June 27 the Bill was advanced to the House Appropriations Committee, which currently is conducting an in-depth analysis of the legislation. The state Independent Fiscal Office will conduct a separate analysis in order to determine the economic impact that the tax plan would have on Pennsylvania.

Both analyses are scheduled to be reviewed during the latter part of this year by the General Assembly.

Proponents of the Bill say it is necessary to ease the burden of property taxes on homeowners – particularly senior citizens and others on fixed incomes. Berks County has the 3rd highest property taxes of the 67 counties in the Commonwealth of Pennsylvania. Cox has argued that the property tax causes many Pennsylvanians to lose their homes each year to sheriff ’s sales, prevents young families from being able to purchase a home, forces multi-generational family farms to be sold and results in job losses, outmigration and poor economic performance.

Opponents of House Bill 1776 say that the tax plan would not raise as much money as property taxes. The state Department of Revenue reported a $3.5 billion gap between the estimated $12.5 billion generated by property taxes and what the new tax structure would provide.

To access House Bill 1776, go to the Pennsylvania General Assembly website at www.legis.state.pa/us and enter the Bill number in the bill search box.

Berks County has the 3rd highest property taxes of the 67 counties in the Commonwealth of

Pennsylvania.

By Susan Shelly


hbaberks.org

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Elected Officials/Candidatesfor Office in Attendance:

(alphabetically by last name)

Jim BillmanCandidate for PA House of Representatives,

District 126

Russ DiesingerCandidate for PA House of Representatives,

District 130

John Elizandro & Caitlin GanleyCongressman Patrick “Pat” Meehan’s Office,

District 7

Commissioner Christian LeinbachPresident of Berks County Commissioners

Rep. David MaloneyPA House of Representatives, District 130

Rep. Mike TobashPA House of Representatives, District 125

PA Builders Association(PBA) VIPs:

Warren PeterPresident

Jennifer CaseyExecutive Vice President

LOBSTERFEST: A Spectacle to Behold...

Early each summer, the Home Builders Association of Berks County hosts it’s annual Lobsterfest event to present it’s members with an opportunity to socialize with each other, and with elected officials

& candidates in an informal setting. This year, the 16th Annual Lobsterfest was held on July 11th at the Fish Pond West and was sponsored by Vist Financial. With lobster, steak, oysters, clams, macaroni & cheese, and corn on the cob on the menu, served in a family-style setting; no one went home without a full belly and big smile on their face.

A very special thanks to Lobsterfest ‘12 Sponsor:

VIST FINANCIAL


hbaberks.org

24/7 elec.Rocco E. Cipolla

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Phone: 610-898-0411Mobile: 484-638-4575415 Martins RoadSinking Spring, PA 19608#PA011222

[email protected]

24-7 ELECTRIC LLC

D&S Portable Toilets, LLC

Portable ToiletsFor Any OccasionWe provide clean, professional,

sanitary portable toilets in a variety of styles to meet any

short or long term rental needs.

2763 Century BoulevardReading, PA 19610Ph: [email protected]

Douglas E. Wood, CPA, CCIFP

Proud to Support the Berks County HomeBuilders Association

2763 Century BoulevardReading, PA 19610Ph: [email protected]

Douglas E. Wood, CPA, CCIFP

Proud to Support the Berks County Home


hbaberks.org

Education CommitteeSecond Tuesday @ 3:30 pm, HBA Conference RoomBuilding Task ForceSecond Wednesday @ 1:00 pm, HBA Conference RoomParade of Homes CommitteeSecond Thursday @ 3:00 pm, HBA Conference RoomExecutive CommitteeThird Tuesday @ 12:00 noon, HBA Member Restaurant

2012 Upcoming Events...

OCT12-14

SEPA Fall Home & Garden Show Greater Reading Expo CenterFriday October 12th: 2:00pm - 7:00pm Saturday October 13th: 10:00am - 7:00pm Sunday October 14th: 11:00am - 5:00pm

OCT15

OCTOBERFEST The Hitching Post 5:00-9:00pm

OCT18

Associate’s Appreciation Event/Wind Down Thursday VIVA 5:00-7:00pm

OCT27

HBA Fall Clean Up Day, HBA Property 8:00am-Noon

nov1-3

PBA Board Meeting The Marriott Hotel Cranberry, PA

nov15

Annual Membership Meeting & Elections Green Valley Country Club 5:00pm–7:00pm

nov29

RHBA Mixer Location TBD 3:00pm–4:00pm

dec7

Annual Christmas Party & Installation Banquet Toscani 6:00pm–10:00pm

dec13

New Membership Orientation HBA Conference Room 3:00pm–4:30pm

dec15

NYC Bus Trip Leave from HBA Parking Lot 7:00am–(return)10:00pm

SEPA Home & Garden Show CommitteeThird Wednesday @ 3:00 pm, HBA Conference RoomGovernment Affairs CommitteeThird Thursday @ 12:00 noon, HBA Conference RoomMembership & Communications CommitteeFourth Monday @ 12:00 noon, HBA Conference RoomHBA Board of DirectorsFourth Tuesday @ 3:00 pm, HBA Conference Room

HBA of Berks County Committee Meetings Each Month

Membership happenings


hbaberks.org

1st Year Anniversary

Capital Plumbing D & S Portable Toilets Fleetwood Bank Lacey Electric, Inc. Weinhold Construction Wolfe Roofing & Sheet Metal

2-5 years

Rozzi Brothers, Inc. Sanatoga Water Conditioning Van Industries, Inc. Berks Career & Technology Center Stubbs Insurance Associates, Inc Vrizon Wireless Landis C. Deck & Sons Site Contractors Dave Roche Electric, Inc. Burkey Construction Company Ciesco, Inc. DBA –Stealth Insulation Quality Floors, Inc. Berkshire Building Services, Inc. National Penn Mortgage Company Martin Construction Co. L. H. Brubaker Appliances, Inc.

Aluminum Associates / Sloan Corporation Contact: Kert E. Sloan (610) 921-22015% discount on all servicesAmeriGas Propane Contact: Jim Scheaffer (800) 533-3537Free tank set & 5 cent per gallon discount on propane (Some restrictions apply)

Berks Transfer Contact: Bob Quinn (610) 926-7626$50 off 1st can order to new customersQuality Floors Inc. Contact: Chuck Smith (800) 446-603510% off any order (Not valid with any other offers or prior purchases)

Geoff Penske Buick GMC Contact: Victor Popescu (610) 777-1300GM affinity program & partnership with HBA (Call Victor for more details on how you can save)

Martin’s Flooring, Inc. Contact: Richie Zook (877) 445-779910% off materials only Ask about our contractor referral program

Member 2 Member Discount Program

As one of the many benefits of membership in the Home Builders Association (HBA) of Berks County, the

following members are offering the discounts listed to HBA members only. If you would like to join the HBA or offer a Member 2 Member Discount, contact the HBA office: (610) 777-8889.

AG M Associates, Inc. Pennsylvania American Water Co. Paul W. Essig, Inc. Hearthstone Homes, Inc. Spayd’s Greenhouses, Nursery & Floral Reinsel Kuntz Lesher LLP Blatt & Zaffary Electric, Inc.

16-20 years

Blue Lake Builders Gregg Perry Furnituremakers Ltd MDR Construction, Inc. U G I Utilities, Inc. Vist Insurance 84 Lumber Small Plumbing & Mechanical Bailey’s Home Improvement Berks Surveying & Engineering, Inc Strickler Excavating

21-25 years

Knauth Construction Miller Builders’ Supply Co., Inc. Hotsy Equipment Company Carabello Plastering & Stucco Frank Ferrara & Son, Inc.

26-30 years

DESCCO Design & Construction,Inc Schlouch, Inc. Henry R. Sharman, Inc.

31+ years

Berks Homes Pella Window & Door Company Reading Precast Sentry Abstract Company

CM Squared, Inc. Craig Malesic 4411 Linglestown Road Harrisburg, PA 17112 (717) 545-1056 Fax: (717) 545-1173 [email protected] Sponsor: Kevin Kozo

Ernie Martin Excavating Ernie Martin 72 Dryville Road Fleetwood, PA 19522 (610) 682-2050 [email protected] Sponsor: Kevin Kozo

Greater Reading Chamber of Commerce Ellen Horan 201 Penn Avenue, Suite 501 Reading, PA 19601 (610) 376-6766 [email protected] Sponsor: Kevin Kozo

Kelly’s Kleaning Kelly Daughtry 920 Woodward Drive (610) 796-2030 [email protected] Sponsor: Kevin Kozo

Harron’s Insulation & Ceilings, Inc Fireside Hearth & Home Infiniti Builders, LLC Deer Mountain Kitchens, LLC Resource Associates Corp. PMJ Properties, LLC Lezzer Lumber, Inc. John Monaghan Group of Kutztown

6-10 years

Amerigas Propane Bertolet Construction Corporation Garman Builders, Inc. Malsnee Tile & Stone, Inc. Power-Kunkle Group, Inc. Holland’s Electric, Inc. Breyer Construction & Landscape, LLC A.K.A. The Fence Company Martin Appliance & Water Conditioning

11-15 years

Century 21 Park Road – Conrad Vanino D R Heimbach Building Contractor

Thank You to these renewing members of HBA Berks!

Welcome NewMembers!

Lasting Image Rick Mann 60 Shillington Road Sinking Spring, PA 19608 (610) 670-4624 [email protected] Sponsor: Peter Hart

Malsnee Tile & Stone, Inc. (affiliate) Greg Eshbach 1106 Stinson Drive Leesport, PA 19533 (610) 916-7621 [email protected] Sponsor: Zach Eshbach

Mast Painting Inc. Tim Mast 11 Oak Lane Stevens, PA 17578 (717) 336-2917 [email protected] Sponsor: Kevin Kozo

National Penn Bank Evan Hand 1100 Berkshire Boulevard Suite 200 Wyomissing, PA 19610 (610) 371-8706 [email protected] Sponsor: Kevin Kozo

Reading-Berks Association of Realtors Kelly Pieja 2201 Ridgewood Road, Suite 350 Wyomissing, PA 19610 (610) 375-8458 [email protected] Sponsor: Kevin Kozo

Seal Tech Services, Inc. Scott Seher 102 Neversink Street Reading, PA 19602 (610) 376-7999 [email protected] Sponsor: Steve Bright

Suzy Rae Design Suzy Lysczek 928 Penn Avenue Wyomissing, PA 19610 (610) 376-1128 [email protected] Sponsor: Doug Weisman

The Good Life Financial Group Conor Delaney 711 Spring Street Wyomissing, PA 19610 (610) 898-6927 [email protected] Sponsor: Kevin Kozo

The Peanut Bar Restaurant Michael Leifer 332 Penn Street Reading, PA 19602 (610) 376-8500 [email protected] Sponsor: Peter Hart


hbaberks.org

One reason York® Heating and Air Conditioning Systems are so

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Documents

At Home in Berks Fall 2012