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Find the Frog! Details on page 4. October 2011 Published monthly by the Home Builders Association of Lincoln Volume 48 No. 10 The LINCOLN BUSINESS BUILDER 60 YEARS 1951-2011 Celebrating October General Membership Meeting Monday, October 17, 2011 6:00 p.m. - Social • 7:00 - Dinner Haymarket Arena Update Speakers: Bob Caldwell (Hampton Enterprises), John Badami (DLR Group) & John Hinshaw (Mortenson Construction) Sesostris Shrine Center 1050 Saltillo Road (Hwy. 77 & Saltillo Road) Cost - $20 per person (No shows will be billed) Save us a call and send your RSVP by October 11 to [email protected] or call 402-423-4225. Win an Apple iPad or Garmin Nuvi Find out how on page 16. Lincoln Home Builders Care Foundation Sporting Clay Shoot Thursday, October 13, 2011 See more info on page 24. Scan this QR code with your smartphone to view the Lincoln Business Builder online! For more information see page 20.

Lincoln Business Builder (Oct. 2011)

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The Lincoln Business Builder is published by the Home Builders Association of Lincoln (NE) every month. Each issue contains information on upcoming events, educational opportunities and other information pertaining to residential construction.

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Page 1: Lincoln Business Builder (Oct. 2011)

Find the Frog!Details on page 4.

October 2011 Published monthly by the Home Builders Association of Lincoln Volume 48 No. 10

The LINCOLN BUSINESS BUILDER

60 YEARS

1951-2011

Celebrating

October General Membership MeetingMonday, October 17, 20116:00 p.m. - Social • 7:00 - Dinner

Haymarket Arena UpdateSpeakers: Bob Caldwell (Hampton Enterprises), John Badami (DLR Group) & John Hinshaw (Mortenson Construction)Sesostris Shrine Center1050 Saltillo Road (Hwy. 77 & Saltillo Road)Cost - $20 per person(No shows will be billed)Save us a call and send your RSVP by October 11 to [email protected] or call 402-423-4225.

Win an Apple iPad or Garmin NuviFind out how on page 16.

Lincoln Home Builders Care Foundation

Sporting Clay ShootThursday, October 13, 2011See more info on page 24.

Scan this QR code with your smartphone to view the Lincoln

Business Builder online!For more information see page 20.

Page 2: Lincoln Business Builder (Oct. 2011)

www.nebtitleco.com

Page 3: Lincoln Business Builder (Oct. 2011)

3 Lincoln Business Builder

What is your perspective on change? It seems to be a constant all around us. As we move into autumn and begin to see the leaves change, crops harvested and changes in weather I think about the changes and obstacles we have had this year.I am sure that I am not alone when I say I do not like change. Why do so many of us get excited about the changing of the seasons and about all of the new opportunities coming? Why don’t we think about the unexpected changes in our lives this way?Our Association experiences constant change as does our industry, I challenge you to think of these changes more like the changing of seasons. What opportunities or adventures lie ahead? Will I notice them or be prepared to consider them?The Fall Parade of Homes will be here in only a few days! I encourage you to tell friends, family, neighbors and co-workers about this great opportunity. Look to see what is new for various rooms, finishes, appliances, landscaping, etc. One of the great benefits of having such great members in an association is the opportunity to get to know one another and build lasting relationships. If hunting, guns or even just the outdoors are of interest to you, checkout the October 13th Sporting Clay Shoot at Oak Creek Sporting Club. If you feel luck is on your side or you have an interest in learning to play poker, the October 21st Poker Night may be of more interest. Either way these will be fun events and opportunities to socialize and get to know one another.As for change, I’ll have to try following my own advice in order to click “Like” on these new Facebook improvements. . . . . . .

President’s Message

President’s Message

Lois Hartzell, HBAL President

Home Builders Association of Lincoln6100 S. 58th Street, Suite C, Lincoln, NE 68516

(402) 423-4225 phone • (402) 423-4251 faxwww.hbal.org • [email protected]

The Lincoln Business Builder is published 12 times per year by the Home Builders Association of Lincoln, 6100 S. 58th Street, Suite C, Lincoln,

NE 68516. The Lincoln Business Builder is mailed to all members of the HBAL.

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

articles.

The annual subscription rate is included with your membership dues.

Mike Benker Jennie Korth Publisher Editor, Photographer, Design

Executive CommitteeLois Hartzell, GMB, CSP, President

Dan Klein, Sr., President ElectMike Rezac, 1st Vice President

Perry Haralson, 2nd Vice PresidentDan Walker, SecretaryBob Bryant, Treasurer

Mike Rezac, Immediate Past PresidentJerry Boyce, Executive Board

Mike Benker, Executive Vice President

Board of DirectorsJeff Bielenberg, Eric Hoke, Ken Inness, CGP

Justin Johnson, Mike Kinning, Matt Kleinschmit, Jo Lewis, Mike May,

Brock Peters, Chuck Pfenning, Gary Reese, Ken Svoboda

Remodelers CouncilJenny Samek

National DirectorsSteve Fulton, CGP

Mike Goings, CGP, CSPAllen Barber, Alternate

Lois Hartzell, GMB, CSP, AlternateMike Rezac, Alternate

National Life DirectorsJim Christo, CGR, CGB, Joe Hampton,

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

Past PresidentsMike Benker, Rick Krueger, Dan Kubr,

Donn Mann, Sam Manzitto, Roger Reynolds, CGR, CAPS, Don Rowe,

Greg Shinaut, CGP, Ken Westerhold

HBAL StaffKayla Harrison, Jennie Korth & Ashley Murphy

October 2011Vol. 48, No. 10

In This Issue...President’s Message 3Upcoming Events 4Member News 4Educational Opportunity: CAPS I & II 5Educational Opportunity: Effective Marketing on a Shoestring Budget 6Dolls vs. Wheels 8Santa Cop 8Annual Coat Drive 8Financial Column 9Step by Step 10Educational Opportunities 11Building & Safety Employee of the Year Nominations 12Association of the Year Award Nominations 13General Membership Meeting 14Poker Tournament 15The Winning Hand 16Directory Changes 18New Members 18Cancellations 18Renewals 19QR Codes: Where can they take you? 20Fall Parade of Homes 212012 Directory Advertising Opportunity 22Residential Construction Performance Guidelines 23Sporting Clay Shoot 24Nebraska Certified Green Builder Workshop 25Building Permits 26

Page 4: Lincoln Business Builder (Oct. 2011)

4 Lincoln Business Builder

Save the Date!Save the date for the HBAL Christmas Party on

Thursday, December 8 at Hillcrest Country Club.Joey Libido and Sugar

Joey Libido & Sugar bring a high-octane, high-energy, low-brow Vegas lounge act filled with your favorite ‘70s hits that

sizzles with comedy, kitsch and is guaranteed to make this event the most talked about soiree of the year! Let Joey amaze you

with his dancing and martial arts skills while Sugar keeps you in stitches with her unique singing abilities and boundless energy.

Oct. 21Poker Tournament & Recruiting Event4:00 p.m.Murphy Tractor • 6100 Arbor RoadSee pg. 15 for more information

Upcoming Events | Member News

Oct. 12HOMEPAC9:45 a.m.HBAL Office • 6100 S. 58th Street, Ste. C

Calendar of Events

Oct. 5

Remodelers Council MeetingWebsite Marketing & Social Media11:30 a.m.Cost: $8.00 per personLunch at West Gate Bank • 61st & Old Cheney Rd.

Oct. 17

General Membership MeetingHaymarket Arena Update6:00 p.m. Social • 7:00 p.m. DinnerSesostris Shrine Center • 1050 Saltillo RoadCost: $20.00 per person

Benefit for the Family of Lonnie Houchin

Please join us for beverages, BBQ, live music and a silent auction.

Friday, October 14, 2011 • 6:30 p.m. to ??First Avenue Banquet Hall • 1st & Cornhusker

Cost: $10 at the door*All proceeds of the benefit will go to the family*

Gun RaffleGun raffle tickets are being sold for $10 each. Contact

Hayley Rezac at 402-890-3638 or [email protected]. A limited amount of tickets are available at the HBAL office.

Silent AuctionWe are looking for silent auction items. If you wish to

donate an item please contact Hayley Rezac.

Memorial FundA memorial fund has been set-up at

Pinnacle Bank under Lonnie Houchin. Oct. 21

Tuesday Training - Fall Protection4:00 p.m.Murphy Tractor • 6100 Arbor RoadSee pg. 15 for more information

Member NewsWith Sympathy...Our deepest sympathy to the family and friends of Alexis Calfee, daughter of Jaimi and Todd Calfee, The Minnow Project. Alexis passed away on September 9th.

Find the Frog!Find this guy in the Lincoln Business Builder

and be the third person to call the HBAL office (402-423-4225) with his location and your meal at

the next General Membership Meeting is on us!

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

caller, the prize will not be awarded.

Congratulations to Joe McKee, McKee Construction, Inc.

on finding the frog last month!

Oct. 12Board of Directors10:30 a.m.HBAL Office • 6100 S. 58th Street, Ste. C

Page 5: Lincoln Business Builder (Oct. 2011)

5 Lincoln Business Builder

Educational Opportunity: CAPS I & II

National Instructor: Chuck Bredenstein has been a Licensed Builder since 1972, with experience in Design-Build, light commercial construction, residential remodeling, and home inspection. He is a cofounder of the Housing, Education and Research Center at Michigan State University and a member of the advisory committee of Ferris State University Building Construction Technology program. He is the former Education Director for the Michigan Association of Home Builders and has earned his CGB and CAPS designations. In addition, he has authored numerous industry related articles, training programs, and seminars. He is a recognized national speaker for the housing industry including the National Association of Home Builders International Builder’s Show and the National Remodeler’s Show.Location: Southeast Community College Continuing Ed. Center (301 S. 68th Street Place, Lincoln, NE)Cost per Course:

Marketing & Communication Strategies for Aging &

Accessibility Tuesday, October 25, 2011 Class: 8:00 a.m. - 5:00 p.m.

Design/Build Solutions for Aging and AccessibilityWednesday, October 26, 2011

Class: 8:00 a.m. - 5:00 p.m.The rapid growth of the older adult population of the United States is a huge opportunity for remodelers. As this consumer group expands, more and more are interested in remodeling their home to fit their new lifestyle and abilities. This Certi-fied Aging-in-Place (CAPS) course will help you understand the guidelines and requirements of accessibility, the importance of doing an assessment with input from occupational and physical therapists as well as qualified health care professionals, and the significance of good design in making modifications that can transform a house into a safe, attractive, and comfortable home for life.

October Educational Seminars

Educational Seminars Registration Form_____Marketing & Communication Strategies

_____NAHB Member: $200 _____Nonmember: $250

_____Design/Build Solutions _____NAHB Member: $200

_____Nonmember: $250

Name _________________________________________ Company ____________________________________________________

Address _____________________________________________________________________________________________________

City ___________________________________________ State ________ Zip ____________________________________________

Phone _________________________________ Fax ________________________________E-mail ___________________________

Bill Me (HBAL Members Only)________ Check Enclosed________

Fax to 402-423-4251 or e-mail information to [email protected]. • Or mail to HBAL • 6100 S. 58th Street, Ste. C • Lincoln, NE 68516

Build your Business through Education!

Cancellations: If you cancel within 24 hours of the class, you will forfeit $100 of your class fee.Marketing & Communications Strategies for Aging & Accessibility is approved for CAPS, CGA and Master CSP credit.

Design/Build Solutions for Aging & Accessibility is approved for CAPS, CGA and Master CSP credit. Each course is approved for 6 hours of Continuing Education Credit for CAPS, CGA, CGB, CGR, GMB, CSP, Master CSP, CMP and MIRM.

For more information, contact Jennie at 402-423-4225 or [email protected].

Two of the October educational seminars are required to earn the CAPS designation. The Certified Aging-in-Place Specialist (CAPS) designation program teaches the technical, business management and customer service skills essential to competing in the fastest growing segment of the residential remodeling industry: home modifications for the aging-in-place. Aging-in-place means remaining in one’s home safely, independently and comfortably, regardless of age, income or ability level. The CAPS programs will expand your understanding of the aging-in-place market, provide the necessary technical knowledge and resources, and give you the tools to gain access to that market.

• NAHB Member: $200 • Nonmember: $250

Millions of Americans are living longer and more active lives. With their changing lifestyles, older Americans wish to revitalize their home environments. Identifying these opportunities and developing the skills to interact with 50+ customers can help you grow your business dramatically. Learn best practices in communicating and interacting with this exciting and evolving population, and take advantage of one of the fastest growing market segments in remodeling and related industries.

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Page 6: Lincoln Business Builder (Oct. 2011)

6 Lincoln Business Builder

Educational Opportunity: Effective Marketing on a Shoestring Budget

National Instructor: Chuck Bredenstein has been a Licensed Builder since 1972, with experience in Design-Build, light commercial construction, residential remodeling, and home inspection. He is a cofounder of the Housing, Education and Research Center at Michigan State University and a member of the advisory committee of Ferris State University Building Construction Technology program. He is the former Education Director for the Michigan Association of Home Builders and has earned his CGB and CAPS designations. In addition, he has authored numerous industry related articles, training programs, and seminars. He is a recognized national speaker for the housing industry including the National Association of Home Builders International Builder’s Show and the National Remodeler’s Show.Location: Southeast Community College Continuing Ed. Center (301 S. 68th Street Place, Lincoln, NE)Cost per Course:

Thursday, October 27, 2011 Class: 8:00 a.m. - 4:00 p.m.

Effective Marketing on a Shoestring Budget

Educational Seminars Registration Form_____Effective Marketing on a Shoestring Budget

_____NAHB Member: $200 _____Nonmember: $250

Name _________________________________________ Company ____________________________________________________

Address _____________________________________________________________________________________________________

City ___________________________________________ State ________ Zip ____________________________________________

Phone _________________________________ Fax ________________________________E-mail ___________________________

Bill Me (HBAL Members Only)________ Check Enclosed________

Fax to 402-423-4251 or e-mail information to [email protected]. • Or mail to HBAL • 6100 S. 58th Street, Ste. C • Lincoln, NE 68516

Cancellations: If you cancel within 24 hours of the class, you will forfeit $100 of your class fee.Effective Marketing on a Shoestring Budget is approved for Master CSP credit.

This class is approved for 6 hours of Continuing Education Credit for CAPS, CGA, CGB, CGR, GMB, CSP, Master CSP, CMP and MIRM. For more information, contact Jennie at 402-423-4225 or [email protected].

• NAHB Member: $200 • Nonmember: $250

Effective marketing can make the difference between an average sales year and a great one. This course provides planning tools that work with anyone’s budget. Don’t neglect this vital component of your business. As a graduate of this course, you will be able to:

• Understand the purpose and importance of cost-effective marketing and its role in the management and operation of the business

• Explain your company’s current market position, capabilities and goals• Match the appropriate product to a viable segment in the market • Determine how to cost effectively get ready for business • Select cost-effective marketing, advertising and public relations tactics that effectively

promote to your target buyers • Choose from manageable and cost-effective alternatives for organizing and training a

profitable sales team • Look for key success indicators and ways to quickly respond to common off-plan results

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Page 7: Lincoln Business Builder (Oct. 2011)

7 Lincoln Business Builder

You asked. We delivered. Our D-Series Skid Steers are loaded with customer-recommended enhancements, like larger operator stations, quiet pressurized cabs with best-in-class visibility, and curved-glass swing-out doors. Plus optional easy-to-operate electrohydraulic joysticks. And with more than 100 available Worksite Pro™ attachments, you can offer your customers everything from breakers to snow blowers to whatever in just minutes.

Packed full of best-in-class productivity and uptime-enhancing features, the D-Series are destined to become operator and owner favorites. Ask for a demo today.

The difference is in the D-tails

AD1GGBU3JM0200

Contact your dealer

0020MJ3UBGG1DA 45675300-

Murphy Tractor & Equipment Co.220810 Highway 92Gering, NE 69341-5200(308) 436-2177

Murphy Tractor & Equipment Co.3204 S Engleman RoadGrand Island, NE 68803-6621(308) 381-0741

You asked. We delivered. Our D-Series Skid Steers are loaded with customer-recommended enhancements, like larger operator stations, quiet pressurized cabs with best-in-class visibility, and curved-glass swing-out doors. Plus optional easy-to-operate electrohydraulic joysticks. And with more than 100 available Worksite Pro™ attachments, you can offer your customers everything from breakers to snow blowers to whatever in just minutes.

Packed full of best-in-class productivity and uptime-enhancing features, the D-Series are destined to become operator and owner favorites. Ask for a demo today.

The difference is in the D-tails

AD1GGBU3JM0200

Contact your dealer

0020MJ3UBGG1DA 45675300-

You asked. We delivered. Our D-Series Skid Steers are loaded with customer-recommended enhancements, like larger operator stations, quiet pressurized cabs with best-in-class visibility, and curved-glass swing-out doors. Plus optional easy-to-operate electrohydraulic joysticks. And with more than 100 available Worksite Pro™ attachments, you can offer your customers everything from breakers to snow blowers to whatever in just minutes.

Packed full of best-in-class productivity and uptime-enhancing features, the D-Series are destined to become operator and owner favorites. Ask for a demo today.

The difference is in the D-tails

AD1GGBU3JM0200

Contact your dealer

0020MJ3UBGG1DA 45675300-

You asked. We delivered. Our D-Series Skid Steers are loaded with customer-recommended enhancements, like larger operator stations, quiet pressurized cabs with best-in-class visibility, and curved-glass swing-out doors. Plus optional easy-to-operate electrohydraulic joysticks. And with more than 100 available Worksite Pro™ attachments, you can offer your customers everything from breakers to snow blowers to whatever in just minutes.Packed full of best-in-class productivity and uptime-enhancing features, the D-Series are destined to become operator and owner favorites. Ask for a demo today.

You asked. We delivered. Our D-Series Skid Steers are loaded with customer-recommended enhancements, like larger operator stations, quiet pressurized cabs with best-in-class visibility, and curved-glass swing-out doors. Plus optional easy-to-operate electrohydraulic joysticks. And with more than 100 available Worksite Pro™ attachments, you can offer your customers everything from breakers to snow blowers to whatever in just minutes.

Packed full of best-in-class productivity and uptime-enhancing features, the D-Series are destined to become operator and owner favorites. Ask for a demo today.

The difference is in the D-tails

AD1GGBU3JM0200

Contact your dealer

0020MJ3UBGG1DA 45675300-

Murphy Tractor & Equipment Co.3701 South JeffersNorth Platte, NE 69101(308) 534-7020

Murphy Tractor & Equipment Co.6100 Arbor RoadLincoln, NE 68517(402) 467-1300

Murphy Tractor & Equipment Co.9751 S 148TH StreetOmaha, NE 68138-3898(402) 894-1899

www.murphytractor.com

Page 8: Lincoln Business Builder (Oct. 2011)

8 Lincoln Business Builder

Dolls vs. Wheels | Santa Cop | Annual Coat Drive

HBAL’s Toys for Santa Cop ProjectSaturday, November 12, 2011

8 a.m. ~ Until CompletionLincoln Northeast High School Shop2635 N. 63rd Street

(west side of school)

Thanks for all you do to make this annual project

a great success!

Donations to help pay for the materials may be sent to:

HBAL6100 S. 58th Street, Suite C

Lincoln, NE 68516

RSVP to 402-423-4225 or fax 402-423-4251

____ I cannot attend, but here is my donation of $_____ to the Santa Cop Project.

____ Yes, I will be there.

My guests:

____ No, I can’t attend.

Name:

Company:

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

Once again, we are sponsoring our very successful Dolls of HBAL vs. Toys with Wheels. In 2010, we collected 107 dolls, 84 toys with wheels and 36 other gifts for girls and boys at Christmas.

This year, we are repeating the “Dolls of HBAL vs. Toys with Wheels” project in hopes of bringing joy to even more children. So, guys and gals, it’s time to shop ‘til you drop. Let’s see if we can fill the HBAL office with shiny new toys.

Will we have more dolls or toys with wheels? Only Santa’s elves know the answer.

Note: When shopping for dolls, keep in mind ethnic dolls are a big hit with a lot of little girls

The Dolls of HBAL vs. Toys with Wheels Project

_____ Yes, I’ll buy a doll and deliver it to you prior to December 15.

_____ Yes, I’ll buy a toy with wheels and deliver it to you prior to December 15.

_____ Yes, I’ll ask others to participate in The Dolls of HBAL vs. Toys with Wheels Project.

_____ I would like to help deliver them.

_____ No, I can’t help at this time.

Name:

Company:

Fax this form to 402-423-4251 or mail to HBAL, 6100 S. 58th Street, Ste. C, Lincoln, NE 68516

vs.

It’s time again for HBAL’s Annual Coat Drive. Bring your coats, mittens, hats or other warm clothing or blankets to the HBAL office or the October General

Membership Meeting. HBAL will take all donations to the People’s City Mission in November. Our members have been so generous the last few years, we hope to once

again provide warm clothing for many of Lincoln’s needy citizens.

HBAL’s Annual Coat Drive

Page 9: Lincoln Business Builder (Oct. 2011)

9 Lincoln Business Builder

Changing Jobs? Take Your 401(k) and ... Roll It!Provided by John Oestreich, Waddell & Reed

Financial Column

If you’ve lost your job, or are changing jobs, you may be wondering what to do with your 401(k) plan account. It’s important to understand your options.What will I be entitled to?If you leave your job (voluntarily or involuntarily), you’ll be entitled to a distri-bution of your vested balance. Your vested balance always includes your own contributions (pretax, after-tax, and Roth) and typically any investment earnings on those amounts. It also includes employer contributions (and earnings) that have satisfied your plan’s vesting schedule.In general, you must be 100% vested in your employer’s contributions after 3 years of service (“cliff vesting”), or you must vest gradually, 20% per year until you’re fully vested after 6 years (“graded vesting”). Plans can have faster vesting schedules, and some even have 100% immediate vesting. You’ll also be 100% vested once you’ve reached your plan’s normal retirement age.It’s important for you to understand how your particular plan’s vesting schedule works, because you’ll forfeit any employer contributions that haven’t vested by the time you leave your job. Your summary plan description (SPD) will spell out how the vesting schedule for your particular plan works. If you don’t have one, ask your plan administrator for it. If you’re on the cusp of vesting, it may make sense to wait a bit before leaving, if you have that luxury.Don’t spend it, roll it!While this pool of dollars may look attractive, don’t spend it unless you abso-lutely need to. If you take a distribution you’ll be taxed, at ordinary income tax rates, on the entire value of your account except for any after-tax or Roth 401(k) contributions you’ve made. And, if you’re not yet age 55, an additional 10% penalty may apply to the taxable portion of your payout. (Special rules may ap-ply if you receive a lump-sum distribution and you were born before 1936, or if the lump-sum includes employer stock.)If your vested balance is more than $5,000, you can leave your money in your employer’s plan until you reach normal retirement age. But your employer must also allow you to make a direct rollover to an IRA or to another employer’s 401(k) plan. As the name suggests, in a direct rollover the money passes directly from your 401(k) plan account to the IRA or other plan. This is preferable to a “60-day rollover,” where you get the check and then roll the money over your-self, because your employer has to withhold 20% of the taxable portion of a 60-day rollover. You can still roll over the entire amount of your distribution, but you’ll need to come up with the 20% that’s been withheld until you recapture that amount when you file your income tax return.Should I roll over to my new employer’s 401(k) plan or to an IRA?Assuming both options are available to you, there’s no right or wrong answer to this question. There are strong arguments to be made on both sides. You need to weigh all of the factors, and make a decision based on your own needs and priorities. It’s best to have a professional assist you with this, since the decision you make may have significant consequences--both now and in the future.Reasons to roll over to an IRA:• You generally have more investment choices with an IRA than with an em-

ployer’s 401(k) plan. You typically may freely move your money around to the various investments offered by your IRA trustee, and you may divide up your balance among as many of those investments as you want. By contrast, employer-sponsored plans typically give you a limited menu of investments (usually mutual funds) from which to choose.

• You can freely allocate your IRA dollars among different IRA trustees/custo-dians. There’s no limit on how many direct, trustee-to-trustee IRA transfers you can do in a year. This gives you flexibility to change trustees often if you are dissatisfied with investment performance or customer service. It can also allow you to have IRA accounts with more than one institution for added diversification. With an employer’s plan, you can’t move the funds to a dif-ferent trustee unless you leave your job and roll over the funds.

• An IRA may give you more flexibility with distributions. Your distribution options in a 401(k) plan depend on the terms of that particular plan, and your options may be limited. However, with an IRA, the timing and amount of distributions is generally at your discretion (until you reach age 70½ and must start taking required minimum distributions in the case of a traditional IRA).

• You can roll over (essentially “convert”) your 401(k) plan distribution to a Roth IRA. You’ll have to pay taxes on the amount you roll over (minus any after-tax contributions you’ve made), but any qualified distributions from the Roth IRA in the future will be tax free.

Reasons to roll over to your new employer’s 401(k) plan:• Many employer-sponsored plans have loan provisions. If you roll over your

retirement funds to a new employer’s plan that permits loans, you may be able to borrow up to 50% of the amount you roll over if you need the money. You can’t borrow from an IRA--you can only access the money in an IRA by taking a distribution, which may be subject to income tax and penalties. (You can, however, give yourself a short-term loan from an IRA by taking a distribution, and then rolling the dollars back to an IRA within 60 days.)

• A rollover to your new employer’s 401(k) plan may provide greater creditor protection than a rollover to an IRA. Most 401(k) plans receive unlimited protection from your creditors under federal law. Your creditors (with certain

[email protected]

[email protected]

exceptions) cannot attach your plan funds to satisfy any of your debts and obligations, regardless of whether you’ve declared bankruptcy. In contrast, any amounts you roll over to a traditional or Roth IRA are generally protected under federal law only if you declare bankruptcy. Any creditor protection your IRA may receive in cases outside of bankruptcy will generally depend on the laws of your particular state. If you are concerned about asset protection, be sure to seek the assistance of a qualified professional.

• You may be able to postpone required minimum distributions. For IRAs, these distributions must begin by April 1 following the year you reach age 70½. However, if you work past that age and are still participating in your employer’s 401(k) plan, you can delay your first distribution from that plan until April 1 following the year of your retirement. (You also must own no more than 5% of the company.)

• If your distribution includes Roth 401(k) contributions and earnings, you can roll those amounts over to either a Roth IRA or your new employer’s Roth 401(k) plan (if it accepts rollovers). If you roll the funds over to a Roth IRA, the Roth IRA holding period will determine when you can begin receiving tax-free qualified distributions from the IRA. So if you’re establishing a Roth IRA for the first time, your Roth 401(k) dollars will be subject to a brand new 5-year holding period. On the other hand, if you roll the dollars over to your new employer’s Roth 401 (k) plan, your existing 5-year holding period will carry over to the new plan. This may enable you to receive tax-free qualified distributions sooner.

When evaluating whether to initiate a rollover always be sure to (1) ask about possible surrender charges that may be imposed by your employer plan, or new surrender charges that your IRA may impose, (2) compare investment fees and expenses charged by your IRA (and investment funds) with those charged by your employer plan (if any), and (3) understand any accumulated rights or guarantees that you may be giving up by transferring funds out of your employer plan.What about outstanding plan loans?In general, if you have an outstanding plan loan, you’ll need to pay it back, or the outstanding balance will be taxed as if it had been distributed to you in cash. If you can’t pay the loan back before you leave, you’ll still have 60 days to roll over the amount that’s been treated as a distribution to your IRA. Of course, you’ll need to come up with the dollars from other sources.The article is written by Forefield, Inc. but is provided by John W. Oestreich. It is meant to be used for informational purposes only and should not be construed as investment as investment advice. Please consult with your tax, legal and financial advisor prior to making financial decisions. ©2011 Forefield, Inc. All rights reserved. Waddell & Reed and Forefield are not affiliated companies.

Page 10: Lincoln Business Builder (Oct. 2011)

10 Lincoln Business Builder

Step by Step

Published by the Remodelers Council of Lincoln • October 2011

Chairperson’s Message

by Jenny Samek

Celebrating 25 Years!

October MeetingOctober 5, 2011 • 11:30 a.m.

Website Marketing & Social Media

Speaker: Tracy Munoz, The Minnow Project

West Gate Bank61st & Old Cheney Road

Cost: $8.00/person(Lunch is included.)

Please send your RSVP to [email protected] or call 402-423-4225 by September 30.

Members of the Remodelers Council toured Bedient Pipe

Organ in September.

Save the Date!Remodelers Council Christmas Party

The Vault at Grand ManseWednesday, December 7

Fall is in the air! It’s that time of year. The temperatures start dropping, the leaves start changing color and it gets dark way to soon!

When we start envisioning the cold there are some products we can suggest to our customers to help endure the winter months. In-floor heat keeps the toes warm. Insta-hot drinking water systems provide boiling water on demand for your hot tea, coffee, oatmeal and even a hot toddy to warm us. For the more delicate, there are heated toilet seats. My favorite for those short dark days is Chromatherapy: light therapy for your whirlpool tub! When we have those short dark days, you know what the lack of sun does for your mood and well being. Now you can add lighting in your tub to make your day brighter and feel more energized!

Thanks for everyone who joined us for the tour of the Bedient Pipe Organ Company. It was interesting to see all the craftsmanship that goes into those beautiful instruments. It was also reassuring that we aren’t the only industry being regulated for lead. At least we are not required to have our pants weighed at the end of the day.

Please join us for our next meeting at West Gate Bank Center. Tracy Munoz from The Minnow Project will be presenting on Social Media and Website Marketing.

Page 11: Lincoln Business Builder (Oct. 2011)

11 Lincoln Business Builder

Educational Opportunities

Educational Opportunities10-Hour OSHA Classes with

First Aid & CPR TrainingCost to attend each class is $200 for HBAL Members and $250 for

Non-members. Seating is limited. Lunch is included.

10-Hour OSHA Class with First Aid & CPR TrainingDate: October 19-20Time: 8:00 a.m. to 5:00 p.m. Place: HBAL OfficeInstructor: SMI

10-Hour OSHA Class with First Aid & CPR TrainingDate: November 16-17Time: 8:00 a.m. to 5:00 p.m. Place: HBAL OfficeInstructor: SMI

10-Hour OSHA Class with First Aid & CPR TrainingDate: December 14-15Time: 8:00 a.m. to 5:00 p.m. Place: HBAL OfficeInstructor: SMI

Tuesday TrainingCost to attend a 3-4 hour class is $35 for HBAL members and $70 for Non-members. Cost to attend a 1-2 hour class is $25 for HBAL

members and $50 for Non-members. Seating is limited.

Fall ProtectionDate: October 25Time: 8:00 a.m. to 12:00 p.m.Place: HBAL OfficeInstructor: SMI

Record Keeping & LogsDate: November 22Time: 8:00 a.m. to 10:00 a.m.Place: HBAL OfficeInstructor: SMI

Personal Protective EquipmentDate: December 27Time: 8:00 a.m. to 10:00 a.m.Place: HBAL OfficeInstructor: SMI

Contact the HBAL Office at 402-423-4225 for more information or to register for any of the classes above or visit

www.HBAL.org/education/schedules.

Page 12: Lincoln Business Builder (Oct. 2011)

12 Lincoln Business Builder

Building & Safety Employee of the Year Nominations

Visit us atwww.EdwardsStone.com

West Gate BankLincoLn’s Bank

West Gate Bank is Lincoln’s Bank

for Mortgage and Construction Loans

Susan BredthauerVice PresidentMortgage Lender434-3473

Scott WilliamsonVice PresidentMortgage Lender323-6521

Adam FlanaganConstruction Lender323-8968

Whether you’re building, buying, or refinancing, choose West Gate Bank for your home loan. Contact one of West Gate Bank’s experienced lenders or go to www.westgatebank.com to get started on your home loan today.

www.westgatebank.com | 434-3456 | member FDIC | Equal Housing Lender

Nominations WantedBuilding & Safety Department

Outstanding EmployeeThe Home Builders Association of Lincoln will present a plaque at the January 2012 General Membership meeting to an employee of the City of Lincoln Building & Safety Department. The employee shall have provided outstanding service, either in the field or at the counter, to assist a member of the association in keeping their project(s) on schedule.

Please call or send in your nomination for this award to the HBAL office.

I nominate ________________________________________,

an employee of the City of Lincoln Building & Safety Department, to receive this annual award for outstanding service presented by the Home Builders Association of Lincoln.

Nominated by: _____________________________________

Return to HBALPhone: 402-423-4225 • Fax: 402-423-4251

6100 S. 58th Street, Suite CLincoln, NE 68516

Past Recipients of the Building & Safety Employee of the Year

1998 Dale Stertz

1999 Lana Tolbert

2000 Michele Williamson

2001 Mike Petersen

2002 Rick Dunn

2003 Ron Peery

2004 Wilma McCamley

2005 Gordon McGill

2006 Allen Gilbert

2007 Shawn Johnson

2008 Ray Paulson

2009 Steve Weiss

2010 Steve Weiss

Page 13: Lincoln Business Builder (Oct. 2011)

13 Lincoln Business Builder

Association of the Year Award Nominations

Associate of the Year AwardSend in your nomination by November 1

PurposeThe purpose of the “Associate of the Year” program is to recognize an outstanding Associate member of the association who has conducted themselves in an exemplary manner so as to bring credit to the building industry, community, and HBAL.

EligibilityEach nominee shall be an active Associate member of HBAL and must have been a member for a minimum of three years on January 1, 2011.

DeadlineSubmit your nomination by filling out the form on the back before November 1. Mail or fax this form HBAL. If you need additional space, please attach a separate sheet of paper to the nominating form. From the nominations received, the winner of the award will be chosen by the selection committee.

Selection CommitteeThe committee will have a minimum of five members. The committee shall consist of the President, President Elect, First Vice President, Immediate Past President and the 2010 “Associate of the Year,” Dave Rainforth.

Basis of SelectionThe basis for selection shall include the following criteria:1. Business conduct and experience (25 percent)2. HBAL activities/involvement (50 percent)3. Civic and volunteer activity (25 percent)

PresentationThe 2011 “Associate of the Year” will receive a personal award at the installation meeting in January 2012. The presentation will be made by the outgoing President, Lois Hartzell, or the previous “Associate of the Year” winner. The recipient’s name will be added to a permanent trophy on display at the HBAL office.

One Nomination NeededA single nomination assures the nominee’s consideration by the selection committee. Each nominee will be considered on the basis of the criteria, not on the number of nominations. Call Mike Benker at 402-423-4225 if you have any questions.

Past Associates of the YearBelow is a list of past “Associate of the Year” winners. Their contributions have helped to make the Home Builders Association of Lincoln the vital organization it is today.

Associate of the Year Nomination Form

Name ________________________________________ Company ___________________________________________________________

Nominee’s background: (Involvement in HBAL, business, community, etc.) _________________________________________________

__________________________________________________________________________________________________________________

__________________________________________________________________________________________________________________

I nominate this Associate for the following reasons: ______________________________________________________________________

__________________________________________________________________________________________________________________

Signed ________________________________________

Home Builders Association of Lincoln • 6100 S. 58th Street, Suite C • Lincoln, NE 68516 • or Fax to 423-4251

1983 - L.D. “Bud” Robinson

1984 - Robert Gabriel

1985 - Robert Knuth

1986 - Jim Crawford

1987 - Vince Collura

1988 - Cheryl Haecker

1989 - Robert Marshall

1990 - Larry Kness

1991 - Mike Stranathan

1992 - Duane Helmink

1993 - Roger Reynolds

1994 - Ron Brooks

1995 - Paul Schaer

1996 - Dan Walker

1997 - Lanny Ash

1998 - Jo Lewis

1999 - Ardy Mendenhall

2000 - Bill Fuelling

2001 - Doug Porter

2002 - Doug Gates

2003 - Delrae Hirschman

2004 - Greg Shinaut

2005 - Connie Strohmyer

2006 - Mike Gray

2007 - Perry Haralson

2008 - Bob Bryant

2009 - Eric Hoke

2010 - Dave Rainforth

Page 14: Lincoln Business Builder (Oct. 2011)

14 Lincoln Business Builder

General Membership Meeting

September General Membership MeetingSpeaker: Doug Durham, Nebraska Global

Doug Durham speaks about small businesses and their use of technology today.

Jim Ohmberger, Home Real Estate and Stacy Melichar, Frontier Bank

Taylor Ashburn, Union Bank & Trust Co. and Chuck Pfenning, Nebraska Title Co.

Ron Ecklund, HBE Becker Meyer Love, C.P.A.’s and Jon Camp, City Council

Sheryl Oldham, Nebraska Land Title & Abstract and AnDee Harris, Union Title Company

Page 15: Lincoln Business Builder (Oct. 2011)

15 Lincoln Business Builder

Poker Tournament

Poker Tournament & Recruiting EventFriday, October 21, 2011

4:00 p.m. - Check-in • 4:30 p.m. - First Card Dealt

Murphy Tractor & Equipment Co.6100 Arbor Rd • Lincoln

Membership is like poker...

You have to PLAY to WIN!!

The House

Sponsors

Thanks to Russ Neil, American Electronics for being our Pitt Boss at the

tournament!

RegistrationThis event is open to all HBAL Members, their employees and member prospects*.

Contact the HBAL office to register.Phone: 402-423-4225 • Fax: 402-423-4251

Email: [email protected] is required.

Cost• $20 without a new member or

sponsorship• Free to potential new members • Half price to HBAL Members who:

- bring at least one potential new member*; or

- are a $50+ Sponsor• Free to HBAL Members who:

- bring at least two potential new members*; or

- have sponsored at least one new members since July 1; or

- are a $75+ SponsorThe game will be “No Limit Texas

Hold ‘em.”

Entry fee includes food and beverages. *Players who qualify as potential

members must be registered by a current HBAL member and provide HBAL with the potential member’s company name

and contact information.

Don’t play poker, but want to join in the fun?!- Volunteer as a dealer (don’t worry,

we’ll train you, if needed) - Help with food duties- Stop by the event and share what your

HBAL membership means to you

PrizesPrizes will be awarded to the top three places at the Poker Tournament as well

as the overall Membership Drive Contest.

Poker Tournament:1st Place - DeWalt Power Tool Set

Membership Drive:1st Place - Apple iPad

2nd Place - Garmin Nuvi 465T3rd Place - $200 Gift Certificate to Midwest Unlimited

HBAL is looking for more prizes. If you are interested in donating a prize or willing to sell an item at cost, please contact Jennie at 402-423-4225.

We’ve Doubled the Pot!!Earn Double Spike Points in the month of October!! Applications must be submitted prior to the

October 21st Poker Tournament.

High Roller

Be a sponsor by contributing monetarily or donating a prize. The following sponsorships are available:

Player $0 to $49Dealer $50 to $74Card Shark $75 to $99High Roller $100+

Sponsors will be listed in the Lincoln Business Builder each month during the drive and acknowledged in promotions for and at the Poker Tournament.

Page 16: Lincoln Business Builder (Oct. 2011)

16 Lincoln Business Builder

The Winning Hand

Spades (7)Captain: Mark Aksamit

Lois Hartzell (3)• Sadoff Iron & Metal • Midwest Unlimited, LLC• Frontier BankGreg Schwinn (1)• Robison Design Build, LLCMark Aksamit (1)• Emerald Homes Jim Crawford (1)• Indiana Lumbermens Mutual Insurance Co.Kurt Ramaekers (1)• Outback Fence & Stain

Current Poker HandsFor each new member, a poker card was dealt to its respective team. Once each team has recruited five new

members, they have a full hand. For each new member after the first five, the team captain can choose to discard one of their first five cards to take a chance and draw a new card.

The Winning Hand Membership Drive

Diamonds (9)Captain: AnDee Harris

Allen Barber (3)• Andes Painting, LLC • J.M. Barber• Fisher Custom BuildersJerry Maher (1)• Lemke Meens Construction Roger Bumgarner (1)• Monkey Bar Storage SolutionsSam Manzitto (1)• B Squared Construction/Natural FloorsJohn Hoppe, Jr. (1)• Quality Fence CompanyChuck Schmidt (1)• NLN ConstructionBob Gabriel (1)• MetLife Home LoansClubs (7)

Captain: Adam AlbeeHerb Reese (1)• CRS - Concrete Restoration SpecialistsDan Klein, Sr. (3)• Innovative Homes & Design, Inc.• Valley Boys, Inc.• Erickson Homes, Inc.Bob Bryant (1)• Schrock Innovations Greg Shinaut (1)• JR Premier Designs Duane Hartman (1)• Windstream

Hearts (5)Captain: Delrae Hirschman

Justin Brandt (1)• Golden Rule Contractors Blake Collingsworth (1)• Stone Worth Innovative Concrete ProductsMike Rezac (1)• Crocker Construction, Inc. Bob Ruskamp (1)• Heartland Professional Home Energy Raters, Inc.Erik Hoke (1)• Russ Bohaty Electric, Inc.

Team Spades: 8-D, 7-C, 6-S, 5-S, 4-DSpades have seven new members. They discarded their J-S on August 12 and drew a 5-S. They have one card

available to draw at this time.

Team Clubs: A-S, K-D, 8-H, 8-S, 3-HClubs have seven new members. They discarded their 3-C on August 12 and drew a K-D. On August 15, they

discarded their 10-H and drew a 3-H. They have no more cards available to draw at this time.

Team Diamonds: Q-S, Q-D, Q-H, 7-S, 7-DDiamonds have nine new members. On August 15, they discarded your A-C, 10-C, 9-H and drew a Q-S, 7-S and 7-D. They have one card available to draw at this time.

Team Hearts: 10-S, 10-D, 6-D, 5-H, 3-SHearts have five new members. They have no cards

available to draw at this time.

Prizes will be awarded to the top three recruiters.

First Place Apple iPad Second Place Third PlaceGarmin Nuvi 465T $200 Gift Certificate to Midwest Unlimited

Win an iPad or

Garmin Nuvi!!!

Page 17: Lincoln Business Builder (Oct. 2011)

17 Lincoln Business Builder

Open: Monday-Friday 6:30 a.m.-5:30 p.m.Phone: 464-3211

5940 Colfax Avenue

Special discount for HBAL Members!10% discount on a service or repair

First-time customers only.

A & D Auto-Truck Service“Your Total Vehicle Service & Repair Center”

“We Specialize in Fleet Service and Repair.”

420-1552Service • Remodeling • New Construction

Free Estimates

Bob Nohavec, Master Plumber3400 S. 6th Street, Lincoln, NE 68502

Bob Nohavec Plumbing

Page 18: Lincoln Business Builder (Oct. 2011)

18 Lincoln Business Builder

Directory Changes Welcome New MembersDirectory Changes | New Members | Cancellations

Sorry to See You Go!If you see your company listed below, contact HBAL at

402-423-4225 to renew your membership TODAY!

www.citygold.com

[email protected]

• Stacy Melichar is the new principal contact for Frontier Bank. Email: [email protected]. Phone: 402-434-2514. Cellular: 402-730-3805.

• Rick Downing is the new principal contact for HS Bank. Email: [email protected]. Phone: 402-474-8449. Cellular: 402-310-1186. Fax: 402-474-2269.

• Nancy Johnson of Home Real Estate is a new affiliate member. Address: 7211 S. 27th St. #12, Lincoln, NE 68512. Email: [email protected]. Phone: 402-730-6400.

• Char Hazzard, Home Real Estate, is no longer an affiliate member.

• John Fink, Home Real Estate, is no longer an affiliate member.

• New principal contact for The Restoration Pros is Rich O’Neill. Phone: 402-325-9577. Cellular: 402-432-7424. Email: [email protected]. New Address: 3449 N. 48th St., Ste. A, Lincoln, NE 68504

• Karsten Thurmond replaces Ryan Sieck as the affiliate contact for Titan Machinery.

• New email and fax number for Tomasek Homes, Inc. is [email protected] and 866-855-3133.

• Angie Schwartz is now an affiliate member with Wells Fargo Home Mortgage. Email: [email protected]. Phone: 402-434-4334. Fax: 855-486-9128. Cellular: 402-440-1718.

American Building Supply Carpets Direct

HomeServices InsuranceHoy & Associates Construction, Inc.

K & M Surveying, Inc.L & S Siding

MSPNiederhaus Bros. Refuse, Inc.

Oak Creek Sporting Club

Don’t Forget!

Directory letters were mailed

last month. Please return

your letter --even if you

don’t have any changes-- to

ensure that we have the most

accurate information in our

2012 Membership Directory.

Thanks!

Russ Bohaty Electric, Inc.Principal: Russ Bohaty

2800 S. 112th Street, Walton, NE 68461Phone: 402-489-3202

Sponsor: Eric Hoke, Eric’s Electric, Inc.Reason I joined HBAL: OHSA training and encouragement from members. What I hope to get out of my membership: Training, and I hope to be better informed regarding residential housing. Company information: Specialize in electrical service and repair, additions and remodeling, and a few custom homes. My daughter, Heather helps run the company. Other organizations I belong to: Lincoln Izaak Walton LeaguePersonal: Local handgun competition.

Outback Fence & StainPrincipal: Chris Gentele

11411 N. 142nd Street, Waverly, NE 68462Phone: 402-310-0201 Email: [email protected]: www.outbackfenceandstain.com

Sponsor: Kurt Ramaekers, Miracle Landscapes, Inc.Reason I joined HBAL: To network with contractors and builders.What I hope to get out of my membership: I hope to get involved with the professional network of Lincoln and surrounding areas. Company Information: We are a fence contractor specializing in commercial, residential and agricultural fencing projects. We also clean and restore decks and fences and we offer snow removal. Personal: My wife and I enjoy Husker football, hunting and family activities.

®

You'll find hundreds of Lincoln Web sitesindexed by keywords and categories.

LOG ON!www.citygold.com

Phone: (402) 420-9800 • E-mail: [email protected]

Lincoln's Official Web Site Directory SM

It's theLOCAL Web!

Page 19: Lincoln Business Builder (Oct. 2011)

19 Lincoln Business Builder

Renewals

Thanks for Renewing Your Membership!(Please allow 60 days for names to appear on this list.)

DuPont Corian Starting at $31/SF - Installed

DuPont Zodiaq Starting at $59/SF - Installed

Granite Vanity Tops starting at $169 each - No Install*includes undermount sink

Lincoln Laminating, Inc. | 402.434.6009 | 5010 Rentworth Drive, Lincoln, NE 68516 | www.lincolnlaminating.com | www.twitter.com/llcountertops | www.facebook.com/lincolnlaminating

AMAZING PRICES FOR A LIMITED TIME

September 15, 2011 - December 31, 2011

Call for available colors

Art F/X, 15 yearsBielenberg Builders, Inc, 1 year

Block & Beam Construction, Inc., 9 yearsBradley’s Seamless Gutters, 1 year

Bryant, Katt & Associates, P.C., 25 yearsBuhr Homes, Inc., 24 years

Capital Overhead Door Co., 20 yearsChristensen Lumber Co., 5 yearsThe Cleaning Ladies, 12 years

Cornhusker Bank, 21 yearsCustom Blinds and Design, 7 years

Endicott Clay Products Co., 49 yearsErnie’s in Ceresco, 17 years

General Excavating, 27 yearsGranite Transformations of Omaha, 2 years

Hausmann Construction, 7 yearsHBE Becker Meyer Love, C.P.A.’s, 9 years

Hickman Area Economic Development Association, 3 yearsHome Innovations Spas, Inc., 18 years

KBBK-FM B107.3, 20 yearsKen Koch Design - Drafting, 6 years

KLKN-TV 8, 15 yearsKrogman Tile Co., Inc., 22 years

Lincoln Federal Savings Bank, 48 yearsLincoln Concrete Specialists, 12 yearsMidlands Financial Benefits, 19 years

Midlands Duct Cleaning, 7 yearsMillard Lumber, Inc., 24 yearsThe Minnow Project, 11 years

Nac Luxury Bath Systems, 14 yearsNelson Contracting, LLC, 3 years

Pioneer Overhead Door, Inc., 50 yearsRaymond Contracting, Inc., 10 years

Reynolds Design & Remodeling, 25 yearsSchneider Custom Homes, 9 years

Skyline Homes, Inc., 4 yearsTime Warner Cable Media Sales, 2 years

Titan Machinery, 1 yearTomasek Homes, Inc., 5 years

Trainor Plumbing, Inc., 12 yearsUnited Rentals, Inc., 25 years

Usher Custom Cabinets, Inc., 33 yearsVersa-Lok, 12 years

Weathercraft Co. of Lincoln, 14 yearsWellmann Plumbing, Inc., 26 years

West Gate Bank, 19 years

Page 20: Lincoln Business Builder (Oct. 2011)

20 Lincoln Business Builder

Camherdz Services Corporation

2240 S. 46th StreetLincoln, NE 68506

PaintingPaintingInterior, Exterior, Commercial, ResidentialInterior, Exterior, Commercial, Residential

New, Repaint

DecksPower Washing, Staining

FloorsSealers, Epoxies, Urethanes

Specialty CoatingsSpecialty CoatingsTo include Epoxies and Urethanes on walls

Phone: (402) 580-0870Fax: (402) 438-6937

Hector Hernandez

Email: [email protected]

ALWAYS FREE

ESTIMATES AND

AFFORDABLE

ELITE PAINTING

AT YOUR SERVICE

Builder and Banker?You shouldn’t have to be both. Partner with

Cornhusker Bank and get the financial tools you need.

• Latestconstructionmarket statisticstohelpyousucceed

• Localdecisionsonresidentialand commercialconstructionloans

• Pre-sold,spec,lot,and developmentproducts

• Mini-permanentandextended lockprogramstohelpmanage interestraterisk

Let’s talk about how you can build a more profitable business.

MemberFDIC

PerryHaralson,Vice President

434-9337•11th&Cornhusker

MikeBarrett,Vice President434-2258•56th&SouthSt.

www.CornhuskerBank.com

QR Codes: Where can they take you?

QR CodesYou see them everywhere, but do you know where they can take you?QR is short for Quick Response and dates

back to 1994 when Toyota used it to track parts in automobile manufacturing. Today, QR codes are taking companies to new heights, allowing marketing departments to use these small 2-D barcodes to communicate a large amount of information in sometimes limited advertising space.Anyone who has a smartphone can scan these codes which can take them to a website, send them a text message or display a schedule of events while at a conference. (Most smart phones come with a QR reader. If not, you can usually download one for free through your app store.)Below are a few places where you might want to take advantage of QR Codes:• Business Cards - scanning the QR Codes could automatically

send your contact information to the customer’s mobile device• Realtor or Builder Yard Signs - potential customers driving

through neighborhoods could scan the QR Code to receive more information on the property

• Posters/Flyers - if you have a Facebook page for your business, a great way to add fans is to send people directly to your Facebook page via a QR Code

QR Codes are quick and easy to create. Just search “QR Code Generator” on the web and there are several free options for you to choose from.HBAL is already using QR codes. If you have a smartphone, scan the QR code on the next page or on the cover of this issue of the Lincoln Business Builder and see where it takes you.

Page 21: Lincoln Business Builder (Oct. 2011)

21 Lincoln Business Builder

Fall Parade of Homes

OctOber 2-9, 2011HOurs: Weeknights: 6:00 - 8:00 p.m.

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

6100 S. 58th Street, Ste. C • LinCoLn, ne 68516www.hbaL.org

You muSt remove Your ShoeS at theSe LoveLY homeS.

HUB HALL HEIGHTS1. 1741 NW Flader Court

Cherry Hill Construction, Inc.

PLUM CREEK, Seward2. 2539 Timber Creek Road

Neighbors Family Homes, Inc.

FALLBROOK3. 750 Blue Sage Blvd.

Urban Homes, LLC

STONE BRIDGE CREEK4. 1615 Blanca Drive

Vistar Homes, Inc.

REGALTON5. 2314 Northline Court

Regal Building Systems, Inc.

NORTH FORTY GOLF6. 8154 Regent Drive

Stonybrook Homes, Inc.

PRAIRIE VILLAGE NORTH7. 8849 Blacksmith Court

Prairie Home Builders, Inc.

PRAIRIE VILLAGE8. 2963 N. 90th Street

Prairie Home Builders, Inc.9. 2955 N. 90th Street

Prairie Home Builders, Inc.10. 8838 Prairie Village Drive

Bugbee Homes

SOUTH SHORE TOWNHOMES AT WATERFORD ESTATES11. 10108 Edgewater Lane

South Shore Builders, LLC12. 10145 Edgewater Lane

South Shore Builders, LLC

HAMANN MEADOWS13. 7576 Crystal Court

Cameron Townhomes, LLC

HIMARK ESTATES14. 8933 Sandhills Court

Lewis Homes

BOULDER RUN15. 6210 Ellie Lane

Lewis Homes

HERITAGE LAKES16. 9515 Cotswold Lane

Ironwood Builders17. 7341 S 95th Court

Custom Design Homes, Inc.

GRAND TERRACE18. 8001 Bellagio Drive

Prairie Home Builders, Inc.

THE WOODLANDS AT YANKEE HILL19. 7377 Yankee Woods Drive

Signature Homes, LLC

WINDMILL RIDGE ESTATES20. 7100 Countryview Road

Lewis Homes21. 9257 Fairbanks Court

Timber Ridge Homes22. 9310 Fairbanks Drive

MK Builders, Inc.

THE PRESERVE AT CROSS CREEK23. 6688 Winterberry Lane

MK Builders, Inc.

VILLAGE MEADOWS24. 8237 S. 62nd Street

Ironwood Builders25. 8230 S. 62nd Street

Buhr Homes, Inc.

VILLAGE GARDENS26. 7036 Straffan Place

Kinning Design Build, Inc.

GRAINGER HEIGHTS27. 3742 Pablo Lane

Craig Bauer Construction Co.

HORIZON’S VIEW28. 2917 O’Malley Circle

Aspen Builders, Inc.

WILDERNESS HILLS29. 9301 S. 30th Street

Frazier Construction Company, Inc.

30. 9110 Del Rio DriveRybak Homes, Inc.

31. 9320 S. 29th StreetSmetter Custom Homes, Inc.

32. 9330 S. 29th StreetSmetter Custom Homes, Inc.

33. 9331 S. 29th StreetGreat Plains Custom Homes, LLC

34. 9411 S. 29th StreetSmetter Custom Homes, Inc.

35. 2939 Ridgegate DriveCustom Design Homes, Inc.

36. 2910 Hoy StreetOld City Homes

VAVRINA MEADOWS37. 8321 Ryley Lane

Third Generation Builder38. 8315 Ryley Lane

Third Generation Builder39. 8307 Ryley Lane

Third Generation Builder

WILDERNESS VIEW TOWNHOMES40. 6105 Glenbrook Lane

Cameron Townhomes, LLC

CARDWELL RESERVE41. 7633 SW 17th Street

Reserve Design, LLC42. 1329 W. Cademon Circle

Reserve Design, LLC

Guidebooks will be available in all homes or

online at

www.HBAL.org/public/poh.

Use your smartphone to scan the QR code below to view the Parade of Homes

Flipbook.

THE BRIDGES43. 2910 W. Gazebo Road

Nelson Construction & Design

HARTLAND HOMES SOUTHWEST44. 1851 SW 27th Street

Hartland Homes

WOODLAND VIEW45. 3700 W. Plum Street

Hausmann Construction

Page 22: Lincoln Business Builder (Oct. 2011)

22 Lincoln Business Builder

2012 Directory Advertising Opportunity

“Nebraska’s Locally Owned Erosion Control and Geosynthetics Supplier”

www.lumbermens.biz | Lumbermen’s Hearth & Home of Lincoln8655 Amber Hill Court • Lincoln, NE 68526 | 402/421.0948

Erosion Control & GEotExtilEsServing you with three locations in Nebraska and a complete product line to cover every application.

Bio 3 Logs /Erosion ControL BLankEt

gator guard guttEr / Erosion EEL Mud Mats

Directory Ad SpaceAdvertising Opportunities for

as little as $125!Space is available in the 2011 Membership Directory. This publication is distributed to all HBAL members (over 700

people). Don’t miss out on this great opportunity!

Ad Size PriceFull Page 5” W x 8” H $4751/2 Page 5” W x 4” H $2501/4 Page 2.25” W x 3.75” H $125

Contact the HBAL office at 402-423-4225 no later thanNovember 1 if you are interested in advertising.

Page 23: Lincoln Business Builder (Oct. 2011)

23 Lincoln Business Builder

Residential Construction Performance GuidelinesFourth Edition Now Available

This newly revised and updated fourth edition of Residential Construction Performance Guidelines is now available at HBAL for $7.22 each.

NAHB’s Residential Construction Performance Guidelines were created to offer a third-party view of quality issues in residential construction (both new homes and remodeling). The Consumer Reference makes it easy to provide a copy of the guidelines to every customer.

The Consumer Reference is a great addition to your warranty claims process and:• Helps customers understand the basics of a properly constructed

home, warranty, and maintenance items• Enables you to resolve customer concerns before they escalate

into complaints or worse• Demonstrates that you are a professional who consistently

meets or exceeds accepted industry guidelines

Includes Residential Construction Performance Guidelines for:• Site Work and Foundation• Floors, Walls, and Roofs• Plumbing and Electrical,

including Interior Climate Control

• Interior and Floor Finishes

• Fireplace and Wood Stove

• Concrete Stoops and Steps

• Garage, Driveways, and Sidewalks

• Wood Decks• Landscaping

To build customer satisfaction and boost your bottom line, you’ll want to provide a copy of the Consumer Reference with every home you build!

Residential Construction Performance Guidelines

APOLLO STEEL COMPANY

Your Hometown Source For

• HouseBeams

• Columns

• BrickLintels

• Joists&Deck

• MiscellaneousPlate,Angle,Pipe&Tubing

Fabricating The Future of Nebraska7200AmandaRoad,Lincoln,NE68507

Phone:402-466-8587•Fax:402-466-0594

www.facebook.com/baltazars.stone

[email protected]

Page 24: Lincoln Business Builder (Oct. 2011)

24 Lincoln Business Builder

Sporting Clay Shoot

___ I would like to be a $600 BBQ Sponsor. Company will receive signage at the BBQ and one Station Sponsorship. Their company name will be listed in event promotions and will receive a 1/4 page ad in the Lincoln Business Builder for three months ($300 value).

___ I would like to be a $100 Station Sponsor.Company name and logo on a sign at one of the stations. Your representatives can meet/greet and keep score at that station! Your company name will be listed in Lincoln Business Builder.

___ I would like to be a $200 Elite Station Sponsor. Company name and logo on a sign at one of the stations as well as display space (equipment, vehicle or other products may be possible). Your representatives can meet/greet and keep score at that station! Your company name will be listed in Lincoln Business Builder.

___ I would like to be a $75 Prize Sponsor.We’ll purchase prizes in your company’s name to be given away at the BBQ. Your company name will be listed in the Lincoln Business Builder.

We will also need non-shooting volunteers. If you are interested, contact Jennie at 402-423-4225.

2011 Lincoln Home Builders Care Foundation Sporting Clay Shoot

Thursday, October 13, 2011 - Cost per person: $65

HOW IT WORKS• ThiswillbeaSportingClayeventwitha“ShotGun”start.• 100roundsperpersonwith15stations(12 gauge shells provided).• Dressappropriatelyfortheweatherandlotsofwalking.• Eyeprotectionandearplugsrequired(available at club house if needed).• Bring12gaugeshotgun(limited number available at club house if needed).• Mustbepresentat12:30p.m.forRules&Regulationstoshoot.• Teamsofapproximately5willcompletethecourseshooting“truepairs,”“reportpairs,”etc.

• PrizeswillbeawardedduringBBQ.• Warm-upTrapandNoviceLessonsavailablestartingat10:30a.m.• Noalcoholicbeveragesallowed.

ENTRY FORMCostperperson:$65 Includes clays, 100 rounds per person, course fees and BBQ.

Don’thaveafullteam?Noproblem!We’llteamyouup!

Shooter one (Lead contact for the team)Name:___________________________________ Phone:___________________ E-mail:___________________Businessname:___________________________

Shootertwo: Businessname:

Shooterthree: Businessname:

Shooterfour: Businessname:

Shooterfive: Businessname:

Checkenclosed____players@$65=$_______ PleasemakecheckspayabletoLincolnHomeBuildersCareFoundation.

The Lincoln Home Builders Care Foundation’s mission is

to support the educational and charitable activities of HBAL.

Oak Creek Sporting Club 2890 “W” Rd Phone: 866-625-48683 miles east & 1-1/8 miles south of Brainard, or 2 miles north of Loma.

Go 6 miles out of Lincoln on Hwy 34 towards Seward to Hwy 79. Go 15 miles north on Hwy 79 to Valparaiso. Continue north on Hwy 79 out of Valparaiso 6 miles to Road H. Go west on Road H 6 miles to a T intersection. Go south (left) approximately 100 yards and the drive is on the left. Follow the signs along the farmstead road.

10:30a.m. Check-inandsidegamesbegin12:30p.m. Rules&Regulations(MustbepresentinordertoShoot)1:00p.m. Shoot4:30p.m. BBQ

Thanks to our Sponsors! ELITE STATION SPONSORS

Window Option Specialists/Integrity WindowsMurphyTractor&EquipmentCo.,Inc.

Lincoln Winnelson Co.Lincoln Winlectric

STATION SPONSORSBuildingProducts,Inc.NebraskaFurnitureMartEric’sElectric,Inc.

RelsTitleThirdGenerationBuilderEarlCarterLumberCo.Lincoln Winair Company

84 LumberStephens&SmithConstructionCo.

PRIZE SPONSORSChristensen Lumber Co.EarlCarterLumberCo.

Lincoln WinlectricMurphyTractor&EquipmentCo.,Inc.

Page 25: Lincoln Business Builder (Oct. 2011)

25 Lincoln Business Builder

Nebraska Certified Green Builder Workshop

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

YANKEE HILL BRICK manu-factures the highest quality FBX

brick in a color palette ranging from the traditional reds and buffs to the innova-tive pinks, maroons, and lavenders.

Standard and custom color ranges, sizes, and shapes are our specialty. Brick murals and ornamentation are brought to a new level of sophistication at Yankee Hill Brick.

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

Face brick Paving brickThin brik veneer

Pool Coping Ceramic tile and marble

Keystones Address & entry signs

Brick mural & ornamentation

Crushed landscape brick

3705 S. CoddingtonLincoln, NE 68522(402) 477-6663

4212 S. 133rd StreetOmaha, NE 68137

(402) 330-2751

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

for all cabinets and hardware.

11200 N. 148th St., Waverly NE 402.786.3030 M-F 7:30am - 5pm

BUILDING GREENKeeping Nebraska and YOU in the Green

Nebraska Certified Green Builder WorkshopOctober 13, 2011 • 8:30 a.m. – 3:30 p.m.

Mahoney State ParkCost $85.00 – includes Park Pass (Lunch will be at your expense)

• Intro to Green Building • Green Building Guidelines • What is Energy Star??• How to certify a Green Build home

Open to all who are interested in GreenA prerequisite to membership to the NSHBA Green Build Council

RSVP to [email protected] by October 10th.

Page 26: Lincoln Business Builder (Oct. 2011)

26 Lincoln Business Builder

Building Permits

SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MF SF TH MFJan. 69 14 81 98 8 4 74 8 5 54 21 0 72 14 0 40 8 4 35 19 6 11 14 0 24 7 2 22 0 4Feb. 108 9 6 103 33 2 73 9 24 66 10 4 58 20 2 35 4 12 22 0 4 29 2 3 32 18 60 26 0 20

March 93 23 2 136 24 90 137 18 20 92 11 4 82 17 16 59 40 112 41 28 2 30 14 2 42 6 8 42 10 180April 102 22 14 145 26 4 124 22 0 80 16 4 91 16 60 61 70 66 50 2 2 30 14 15 33 8 0 28 26 3May 106 34 160 186 98 102 113 33 100 88 12 4 83 20 16 65 39 0 59 15 4 38 28 24 29 19 0 39 14 44June 113 12 10 183 27 2 107 52 4 96 37 20 93 15 68 67 17 64 39 17 10 60 4 0 36 6 4 34 18 0July 124 26 98 131 49 54 114 21 10 89 35 70 52 28 2 59 28 0 31 10 2 35 10 0 31 18 0 38 12 48Aug. 132 18 25 87 26 20 87 146 2 94 96 26 66 18 612 37 2 2 37 20 0 37 14 0 33 6 2 35 21 2YTD 847 158 396 1,069 291 278 829 309 165 659 238 132 597 148 776 423 208 260 314 111 30 270 100 44 260 88 76 264 101 301

2011

Building PermitsCity of Lincoln - 10 -Year Table

SF=detached single family - TH=townhouses - MF=multi-family (including duplexes)20102008 2009200720062004 20052002 2003

# Cost # Cost # Cost # Cost # Cost # Cost # Cost # CostJan. 13 177,199 8 119,859 19 333,000 7 87,400 9 1,364,460 2 52,000 6 152,980 3 80,100Feb. 11 331,083 14 180,030 13 426,676 4 314,300 9 141,600 5 125,240 3 99,500 7 178,700March 43 704,532 36 382,380 34 613,750 33 1,283,155 36 589,154 10 206,900 11 317,000 18 452,005April 72 688,396 80 948,241 52 560,472 56 539,511 62 1,208,366 10 198,413 19 706,474 15 908,366May 65 1,016,506 54 436,403 57 907,924 55 818,301 52 809,323 9 183,000 9 148,500 20 340,080June 71 697,258 68 900,974 59 520,942 62 481,374 19 543,997 14 297,872 12 460,740 16 603,388July 68 1,460,283 51 642,118 49 645,103 46 728,615 11 212,984 17 554,070 15 697,500 9 248,618August 51 778,738 49 1,628,700 44 433,967 56 807,215 13 583,602 8 244,470 11 219,300 12 478,200Total 394 5,853,995 360 5,238,705 327 4,441,834 319 5,059,871 211 5,453,486 75 1,861,965 86 2,801,994 100 3,289,457Avg. Cost

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

14,552

2004

14,858 24,826

2005 2006 2007 2009

15,862

2008

25,84613,584

2010

32,581

2011

32,895

# Cost # Cost # Cost # Cost # Cost # Cost # Cost # CostJan. 66 699,013 68 774,591 89 1,007,372 88 1,163,863 81 907,619 71 784,232 57 502,454 69 988,395Feb. 71 731,756 67 910,004 87 967,125 78 909,207 76 947,505 76 706,588 69 600,743 79 893,584March 102 923,393 109 1,213,341 100 1,147,674 107 1,280,089 89 800,412 72 946,927 125 1,229,150 104 900,086April 110 1,331,907 99 883,165 87 706,214 88 1,031,776 82 877,275 85 813,112 154 1,386,859 133 1,292,245May 74 596,198 86 675,079 120 1,042,668 115 1,578,971 79 723,878 65 617,270 124 931,223 111 946,242June 90 759,157 91 675,834 97 985,229 97 736,760 76 662,915 89 766,615 117 754,480 112 819,225July 87 843,366 86 736,801 94 1,072,119 117 1,258,848 77 1,143,624 96 1,172,764 161 1,181,825 99 1,104,259August 98 836,485 91 577,553 44 433,967 110 1,138,598 92 1,264,374 77 790,319 119 1,006,147 129 1,032,748Total 698 6,721,275 697 6,446,368 718 7,362,368 800 9,098,112 652 7,327,602 631 6,597,827 926 7,592,881 836 7,976,784Avg. Cost 8,200

2011

9,542

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

2005 2006 2007 20092008 2010

9,249

2004

10,4569,629 11,37310,254 11,239

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

Visit us atwww.DHMerritt.com

Come Visit Our New Showroom Featuring

Natural Veneer StoneCustom Cuts & Blends

Now Open! We provide quick delivery and quality service.

Merritt Sand & Gravel

402-435-321326th & Randolph

Page 27: Lincoln Business Builder (Oct. 2011)

27 Lincoln Business Builder

Page 28: Lincoln Business Builder (Oct. 2011)

Home Builders Association of Lincoln6100 S. 58th Street, Suite CLincoln, NE 68516

ADDRESS SERVICE REQUESTED

PRST STDUS POSTAGE

PAIDLINCOLN NE

PERMIT NO 51

The 7” x 4.5” space above is available for an ad. For more information, please contact Jennie at 402-423-4225 or [email protected].

Call For All Your Exterior Needs!Contact Us Today For A Free Estimate

Cell 402-421-2005Fax 877-720-4518

[email protected]

Put your membership to work now.Money-saving discounts that benefit your business, your employees, and your family

www.nahb.org/MA

National Association of Home Builders

MA_8.5X5.5Ads_2011 1/6/11 3:50 PM Page 1

ENERGY STAR® homes are a win, win, win proposition.

Homebuyers win because ENERGY STAR homes are more efficient, more comfortable and the lower costs of ownership allow them to put more money into their homes. Builders win because ENERGY STAR homes are more profitable to build. And the more we conserve, the more we all win. To learn more, contact Bob Ruskamp at 473-3275 or [email protected].

www.les.com