Bismarck-Mandan Home Builders Association

Building BuzzBuilding the Future of Bismarck-Mandan Since 1958.

October 2013Permit Report: August 2013

Page 2

President’s Letter: Join us for Fall Events & Education

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Member Highlight: Rubicon Mortgage Advisors

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Largest Fall Parade of Homes Yet Brings in Over 3,000

Page 9

City Beat: Construction Site Security Tips from the

Bismarck Police DepartmentPage 10

What Small Businesses Need to Know About the Healthcare Marketplace

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Members Invited to BMBOR ND Oil & Gas Activity

LuncheonPage 12

NDAB NewsPages 14-15

Page 2 Oct. 2013BMHBA Building Buzz

Building BuzzPublisher:

Roxanne JacobsonEditor:

Chelsea Gleich

Building Buzz is a publication of the Bismarck-Mandan Home Builders Association

2600 Gateway Ave., Suite 1Bismarck, ND 58503

Phone: 701.222.2400 Fax: 701.250.9730

Like Us! www.facebook.com/bmhbaFollow Us! www.twitter.com/bmhba

Your membership is three-in-one: BMHBA, NDAB and NAHB

Scan to visit www.bmhba.com

Bismarck-Mandan Permit Reports Through August 2013BISMARCK - monthly/yearly permit reports can be found at www.bismarck.org

Permit Type YTD 2013 YTD 2012New Residential Single Family Detached Single Family Attached Duplex 3 or 4 Unit 5+ UnitResidential GaragesNew CommercialAlter Public

493/$110.52M313/$57.40M157/$23.48M7/$1.21M2/$1.15M14/$27.28M77/$.624M33/$11.82M13/$36.64M

422/$98.25M314/$57.14M81/$13.60M6/$1.82M14/$8.07M7/$17.62M54/$.497M40/$7.79M3/$.048M

MANDAN - monthly/yearly permit reports can be found at www.cityofmandan.com

Permit Type YTD 2013 YTD 2012New Residential Single Family Two Family Condos ApartmentsRemodel and AdditionsNew CommercialAlter Commercial

159/$55.15M119/$33.78M0/$0M36/$7.77M4/$13.60M104/$1.78M13/$6.88M18/$6.98M

Professionals building our community through promotion of home ownership, education and legislation since 1958.

169/$38.95M123/$30.07M4/$.793M39/$4.01M3/$4.076M87/$1.47M11/$6.38M26/$4.69M

Oct. 2013 BMHBA Building Buzz Page 3

It is hard to believe, but the Fall Parade of Homes is already behind us. With a record 39 homes in the Fall Parade this year, it was another successful event. Thank you to all the builders, suppliers, subcontractors, committee members, judges, and everyone else who worked hard to make it happen. Just a reminder, our Fall Awards Mixer will be on Tuesday, October 15 at the Ramada, or the old Doublewood, in Bismarck.

We will recognize our winners of the different price categories that evening.

The BEAM Award will be presented that evening, as well. As I mentioned a couple of months ago, the BEAM Award was designed by the National Association of Home Builders to recognize those builders who embody the motto, “it’s good business

to do business with a member,” and foster great relationships with those members.

Nomination forms for the board will also be available at the Fall Awards Mixer. There will be four board positions available. Please consider nominating a builder or associate member, or even yourself, for the board of directors. I believe that it is important to give back to the industry that we are involved in. For me personally, it has been a great experience. The little bit of extra time it takes has been well worth it. Nominations will be accepted up to the time we vote for the new board members at our November General Membership Meeting.

Finally, in conjuction with the North Dakota Association of Builders and Workforce Safety and Insurance, we are offering OSHA-10 training free of charge to our members on October 16-17. The training will be located at the ND Safety Council office on Burnt Boat Drive. This is a great training opportunity that will provide some of the required training that many of our members need.

A Word from Our President: Join us for Fall Events and Education this October

Eric BrendenBoard President

MARK YOUR CALENDARS!Fall Awards Mixer: Oct. 15

FREE OSHA-10 Training: Oct. 16-17

Associate General Membership Meeting (Elections): Nov. 14

Page 4 Oct. 2013BMHBA Building Buzz

BMHBA Welcomes New Members in 2013

We would like to thank our new members for joining us, and welcome them to the association. If you know any of these

members, please encourage them to get involved and attend BMHBA functions with you.

1st Choice HomesApex Builders

Central City RemodelersJackie Andahl, Robin Gates

& Greg Larson of Century 21 Morrison

City of MandanCopper Ridge Design &

BuildersDesign That Sells

Eide Bailly, LLPGarage Logic

Gietzen ConstructionGoldstar Homes

Great Plains InsulationHorizon Framers

Hot Spring Spas & Pool Tables 2

HR ServicesHunter Hardwood Floors

Kamrose ConstructionLausch Construction

Lexar HomesM3 Design Homes

Northern Sky BuildersOM Contracting

Prestige Homes & DesignProperty Resources Group

Puklich ChevroletRegal Home Solutions

RHR ConstructionRick Slavik Construction

Rubicon Mortgage AdvisorsRusch Homes, LLCSimplistic Homes

Spectra HomesStoneCoat of North Dakota

Stoneshire BuildersSuper Homes, Inc.

Thrivent Financial - Dakota Heartland Group

Timber Ridge Plumbing & Heating

Tom Kunz, Jesse Sornsin & Kristina Schwab

of TK HomesVenture Building Co.

Calendar of EventsOctober 3: Family Night at the Pumpkin Patch

October 9: Parade Committee Wrap-Up Meeting at the BMHBA Office

October 15: Fall Awards Mixer at the Ramada Bismarck

October 16-17: OSHA-10 Training at the ND Safety Council

October 22: BMHBA Board Meeting

November 6: Membership Committee Meeting at the BMHBA Office

*All Board Meetings are held at the BMHBA office

2013 Board of DirectorsPRESIDENTEric BrendenNorthwest ContractingPhone: (701) 255-7727

PAST PRESIDENTChad MoldenhauerK & L Homes, Inc.Phone: (701) 258-4584

SECRETARY/TREASURERGreg ZenkerFerguson EnterprisesPhone: (701) 663-2446

BOARD MEMBERPaula HaiderHaider Glass SpecialtiesPhone: (701) 250-6787

BOARD MEMBERMinda LloydND Guaranty & Title Co.Phone: (701) 663-5362

1ST VICE PRESIDENTVance VetterVance Vetter HomesPhone: (701) 751-8218

2ND VICE PRESIDENTDrew KnutsonKnutson Homes, Inc.Phone: (701) 258-3464

BOARD MEMBERScott MoranHallmark HomesPhone: (701) 471-8796

BOARD MEMBERMike HopfaufHopfauf Custom BuildersPhone: (701) 663-7691

BOARD MEMBERC.J. SchorschFleck’s Furniture & AppliancePhone: (701) 323-0891

Oct. 2013 BMHBA Building Buzz Page 5

Member Highlight: Rubicon Mortgage Advisors is Your Full-Service Lender

Want YOUR company to be featured as a Member Highlight? If you haven’t been featured before, email chelsea@bmhba.com and find out how your company could be next month’s member highlight!

No Cost to You!

Contact Name: Wyatt PollertJob Title: Assistant Vice PresidentPhone: (701) 751-4264Website: www.rubiconmortgageadvisors.com

Rubicon Mortgage Advisors is a full-service lender in Bismarck. Founded in 2006 in Minneapolis, Rubicon Mortgage Advisors has grown to include offices in North Dakota, across Minnesota and even in California. Assistant Vice President Wyatt Pollert describes the company as “big enough to matter, but small enough to care about you and your transaction going smoothly.”

Rubicon Mortgage Advisors offers a full menu of traditional and portfolio loan products to fit nearly every homebuyer need. Their extensive product menu includes first-time homebuyers, credit challenges for qualified borrowers, larger loan amounts, new construction financing, renovation loans, financing for investment properties, and relocation financing. Unlike banks and other brokers, Rubicon Mortgage Advisors specializes in purchase financing. They also have experience dealing with complex purchase agreements, financing addendums and commitment date requirements.

According to their mission statement, “Rubicon Mortgage Advisors, LLC is founded on the principle that people have the right to work with an experienced professional who puts their best interest first. We accomplish this through boutique business relationships with local, reputable business partners who value our experience, honesty, and unequaled

personal service. We are competitively priced, but never a discount lender.”

The mortgage industry is always changing, but the one thing that remains the same is the joy that comes with helping people achieve their dream of home ownership. The biggest challenge they are dealing with right now is the rising interest rates from historic lows which are making home ownership more costly. “To deal with this, we are working closely with real estate agents and borrowers to ensure we are educating them on the current market while helping them find the best loan solution for their specific situation,” says Wyatt.

Rubicon Mortgage Advisors employs 40 people in their eight offices who embody the motto that “your best interest is our basic principle.” To find out how Rubicon Mortgage Advisors can help you finance your home or new construction/renovation project, visit them online at www.rubiconmortgageadvisors.com or give them a call today.

The 2014 Member Directory is in the works! If you haven’t already, please take a moment to review your member information

and business categories in our online directory. Please email chelsea@bmhba.com with any changes. Thank you!

Page 6 Oct. 2013BMHBA Building Buzz

BMHBA Membership UpdatesSeptember

Membership Madness Brings 8 New MembersOur 2014 Board of

Directors is in need of more members. Two Builder and two Associate positions will be up for election this November. In order to become a Board member, a member must be nominated for the position, either in advance or at the November General Membership Meeting, and elected by majority vote of the membership present at that meeting. Typically nominees give a short speech on why they feel they would be a good fit for a Board member at the November General Membership Meeting, as well.

The Bismarck-Mandan Home Builders Association Board of Directors is made up of 10 members - 6 builder members and 4 associate members. Board members serve a term of 3 years. If a builder Board member is on the leadership ladder, they then must serve out their full term on the Board (typically 4-5 years). The leadership ladder in order is as follows: Second Vice President, First Vice President, President, and Past President. Only builder members are eligible to serve as Board president in accordance with NAHB guidelines.

Board members are responsible for attending monthly board meetings, and encouraged to attend BMHBA events throughout the year. Board meetings are typically held the fourth Thursday of the month and last about an hour and a half. Board members who are elected in November will be inducted at the Annual Banquet in January.

We encourage you to think about a leadership position within the Bismarck-Mandan Home Builders Association. It’s a great opportunity to get involved on the front lines protecting and promoting this industry.

We will be looking for new commitee leadership in the near future as well. If you are interested in being a member of a committee or serving as chairperson, let us know.

If you have any questions about serving on the Board of Directors or any of our five committees, contact the BMHBA office and we’d be happy to help you. Also, current board and committee members can be great resources too.

Thank you to our membership committee and all those who recruited new members this month! We would like to welcome our newest members:

Apex BuildersDesign That SellsGarage LogicGietzen ConstructionGreat Plains InsulationLausch ConstructionStoneCoat of North DakotaThrivent Financial - Dakota Heartland GroupWe’re so happy to have these great new companies

join our association. If you know anyone who you think would be a good fit for the Bismarck-Mandan Home Builders Association, please tell them about our organization. The membership committee, Board of Directors and BMHBA staff are happy to provide them with any information they might need.

Thank you to all our recruiters, and welcome to the association new members!

2014 BMHBA Board of Directors Positions Open

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Oct. 2013 BMHBA Building Buzz Page 7

BMHBA Membership Updates

Member Minute: BMHBA Members Making HeadlinesBianco Realty Awards

Bianco Realty has named Darcy Fettig and Shirley Thomas Associates of the Month! Darcy and Shirley had the most closed sales at Bianco Realty for the month of August 2013. Darcy has been a licensed REALTOR® since 1993 and Shirley has been a licensed REALTOR® since 2001.

Holzworth and Neether Join Bianco RealtyBianco Realty is excited to announce 2 new

REALTORS® who have recently joined their company: Keshia Holzworth and Desri Neether. Keshia and Desri look forward to helping you with all your Real Estate needs, achieving your dream of home ownership and providing a Tradition of Excellence!

Real Estate Award WinnerCongratulations to Bianco Realty Agent, Judy

Maslowski, for receiving the North Dakota Housing Finance Agency’s “Champions of Affordable Housing” Award! Maslowski has been a licensed REALTOR® with Bianco Realty since 2007.

Kupper Chevrolet Adds 3 New EmployeesKupper Chevrolet has added three new members to its

staff. Derek Miller, Corey Vincent and Josh Meyer joined the Kupper sales staff in July-September respectively.

Miller, Vincent and Meyer join Kupper Chevrolet as sales and leasing consultants. They will be assisting guests to find the right vehicle to meet their wants and needs.

Best Real Estate Agents in AmericaCongratulations to Christine Rivinius, Terry Stevahn,

Sue Jacobson and Miles Gradin of Century 21 Morrison Realty on being named in Real Trends Best Real Estate Agents in America. North Dakota Guaranty & Title Company Selects New Closing Office Manager

North Dakota Guaranty & Title Company announced that Jessica Holcolm has been promoted to Manager of the Bismarck Closing Office. Tim Pearson, the President of North Dakota Guaranty & Title Company appointed Mrs. Holcolm to the position effective May 1, 2013. Starion Financial’s Lindsey Matter Receives National Recognition

Lindsey Matter, mortgage banker at Starion Financial, has made Mortgage Executive’s Top 1% of Mortgage Originators List. Matter is located at the bank’s Mandan location.

Each year, Mortgage Executive Magazine compiles the most comprehensive list of The Nation’s Top 1% of Mortgage Originators, seeking to recognize and celebrate the service, dedication, and hard work that leading mortgage professionals put into serving their clients. To be eligible for consideration, originators must have had at least $30 million in loan volume in the 2012 calendar year. Matter produced more than $43 million and closed 206 loans in 2012.

Submit your company news to Member Minute by emailing Chelsea@bmhba.com.

Nominate Outstanding Members for Builder and Associate of the Year!

The Bismarck-Mandan Home Builders Association is now accepting nominations for the 2013 Builder and Associate of the Year awards. Nominees should be either builder or associate members who have excelled over the past year in the areas of:

• Business Accomplishments• Civic Activity• Member Spirit & Local Association

Activities• State & National Association Activities This is a great way to honor and thank those builder

and associate members who have helped make 2013 a success. Please submit your nominations to the BMHBA office by October 9. You can nominate a member by

returning the nomination form you received, emailing Chelsea@bmhba.com or calling 222-2400.

Winners will be announced at the Associate GMM on November 14. They will then go on to compete against local winners across ND for the state title.

Please help us recognize and reward our deserving members, nominate someone today!

DEADLINE EXTENDED!OCT. 9

The 2014 Home Show is set for March 14-16 at the Bismarck Civic Center. Due to construction at the Civic Center, there will be some changes to the move-in and move-out process. More information on the specific guidelines will be available as the event draws closer. We ask for your patience and understanding during this process.

Home Show contracts will be sent out later this month. As usual, returning vendors have first right of refusal on their booth spaces. Returning vendors have until approximately the first week of December to claim their space. A specific deadline date will be included on the contract. After that date passes, all new or moving vendor booth spaces will be assigned in the order the contracts were received. So, if you are a new vendor or wish to move, it is in your best interest to return your contract soon after you get it. If you request to move booth spaces, your previous space will be saved for you until your company is reassigned to a satisfactory space.

If you have any questions or would like to make sure your company is on the Home Show contract list as a new vendor, please contact the BMHBA office at 222-2400 or email Roxy@bmhba.com.

We hope you’ll join us for another great Home Show!

Page 8 Oct. 2013BMHBA Building Buzz

BMHBA Events & EducationBMHBA Hosts First Family Night at the Pumpkin PatchIn an effort to add family-friendly events to the

Bismarck-Mandan Home Builders Association calendar, we hosted our first Family Night at the Pumpkin Patch on Thursday, October 3. Members and their families enjoyed hotdogs, chips, drinks and free admission to Papa’s Pumpkin Patch. Each child also went home with a small pumpkin.

Thank you to our generous sponsors and volunteers for pulling together this great first-time event and allowing members to bring their families for free. The Family Night sponsors were: Capital Credit Union, Miller Insulation Company, Pinnacle Homes, Schlosser Excavating, and Tollberg Homes. Special thanks to our supply donors: Allied Building Products, BNC National Bank, Capital Electric Cooperative, Dakota Community Bank, Gate City Bank and Northland Financial.

Thank you to everyone who attended!

NDAB Offers FREE OSHA-10 Training in Bismarck

The OSHA-10 is a 10-hour program intended to provide instruction on construction industry safety and health topics and OSHA standards to both employee and entry level supervisors. Using OSHA standards as a guide, special emphasis is placed upon most hazardous areas of a jobsite. Topics include Material Handling, Excavation, Fall Protection, Cranes, Electrical, OSHA Act, Hearing Conservation PPE and several other subjects covered.

The course will be offered Wednesday, October 16 (1 p.m. - 5 p.m.) and Thursday, October 17 (8 a.m. - 5 p.m.) at the North Dakota Safety Council office. This course is free to BMHBA members. A $75 fee per person is applicable for all non-members. To register, email Chelsea@bmhba.com or call 222-2400.

Home Show Contracts to be Sent Out This Month

Civic Center Under Construction

Oct. 2013 BMHBA Building Buzz Page 9

BMHBA Events & EducationThe Largest Fall Parade of Homes Yet

Brings in Over 3,000 AttendeesWith 39 homes, this Fall Parade of Homes was the

largest the BMHBA has seen. The Parade featured 32 member builders and countless subcontractors and suppliers. Over four days, 3,033 tickets were sold. That is an increase of 335 tickets over last year’s total.

The participating builders were: 1st Choice Homes; Anyleaks, Inc.; Apex Builders; Apple Creek Builders, Inc.; Blend Home Design; Boulder Homes; Copper Ridge Design and Builders; Diversity Homes, Inc.; Fireside Custom Homes, LLC; Hallmark Homes, Inc.; J & D Construction, Inc.; Joe Vetter Construction; K & L Homes, Inc.; Lausch Construction; Lexar Homes; Majestic Homes, LLC; Mitzel Homes; Northern Sky Builders, LLC; Paramount Builders, Inc.; Patriot Homes; Pearson Home Builders, Inc.; Prestige Homes & Design; Red Door Homes of Bismarck; RHR Construction, Inc.; Scott D. Berger Construction; Simplistic Homes; Stoneshire Builders; Tobias Marman Construction; Tollberg Homes; Venture Building Company; Visionary Homes, LLC; and Well Built Homes, Inc.

Thank you to all the builders, subcontractors, committee members and volunteers who worked so hard to put together these beautiful homes and another successful Parade of Homes. Special thank you to our prize sponsors Carpet World and J & R Vacuum & Sewing.

Find Out Who Won at the Fall Awards Mixer Oct. 15

The Fall Awards Mixer will be Tuesday, October 15 at the Ramada Bismarck (old Doublewood). Get to know your fellow members, learn about great benefits the BMHBA offers, and help us congratulate our Fall Parade of Homes winning builders! There will be a Judge’s Choice and People’s Choice Award winner in each of the 10 price categories. Mark your calendar to join us for

a great evening of networking, testimonials and awards. Please RSVP to Chelsea@bmhba.com.

www.qualitytitlend.com 2211 East Main Ave. PO Box 1276 Bismarck, ND 58502-1276

ph: 701.204.6145 | f: 701.425.0425

Page 10 Oct. 2013BMHBA Building Buzz

City Beat: Construction Site Security Tips Presented by the Bismarck Police Department

Officer Lynn Wanner presented a Construction Site Crime Prevention lunch-n-learn on Sept. 12. Here is a summary of some of the main points she covered.

Burglary offenses rose by 36.84% between 2011 and 2012. In that year, there were 6 copper wire thefts and 15 construction site burglaries. This is why crime prevention is important.

Crime prevention is defined as “the anticipation, recognition, and appraisal of a crime risk, and the initiation of some action to remove or reduce it.”

According to Officer Wanner, there are three ways to reduce the incidence of thefts on your site. The first is to create a situation where the risk is higher than the reward for the criminal increasing the chance of them being caught. The second is to reduce the opportunity for thefts. And third, is to create an environment that makes it difficult to steal. Criminal opportunity is controllable, and by taking proper security precautions potential victims can reduce their vulnerability to an attack.

The most common items that are stolen are: heavy equipment (backhoes, loaders, etc.), utility trailers, lumber, mortar mixers, power tools, appliances/furnishings, copper, etc. In short, criminals will take anything they can sell quickly and make money on. How to Prevent Job Site Thefts

To help prevent thefts on your job site, either from employees or outsiders, there are a few best practices to follow:

• Give work rules to all employees and have them prominently displayed in several areas

• Post signs that indicate “all thefts will be prosecuted”• Post signs indicating “Authorized Personnel Only” at

job site entrances• Offer a reward incentive program for workers who

report thefts and encourage anonymous tips (call 224-TIPS)

• Conduct random unannounced work site visits.Criminals are generally looking for an easy target. If

your job site appears secure, they will most likely move on to another site which would give them less chance of getting caught. With a combination of natural (shrubs, trees, etc.) and man-made barriers, you can create the appearance of a secure job site. Man-made barriers can include fences, gates and electronic monitoring equipment, and merely contacting neighbors and asking them to be on the lookout for suspicious activities.

Fencing is your first line of defense against criminal. Ideally fencing would be 7-8 feet tall and made of chain-link or another see-through material so you can see inside it. However, in many cases fencing is not possible or cost effective. Low walls, dirt berms or anything that could prevent a unit from being driven or towed off your job site can also be very effective.

Warning signs can also be a simple way to scare off potential criminals. You can make them more effective by including a notice that Product Identification Numbers are recorded for all equipment - and actually record the numbers. Another way to mark your tools and equipment is to engrave your drivers license number on the equipment. This way, if the item is pawned/sold by the thief, you can be identified as the owner. The safest way to secure your tools and equipment, however, is to remove it from the job site at night or store it in a heavy duty cargo container if need be.

Including lighting that either lights up at night or is motion sensitive is also a great way to deter criminals.

Monitoring access to keys and ensuring you use heavy duty locks on all equipment, trailers, etc. is another very important step in preventing job site crime. It is best to use a key lock, as people can share the combination for a combination lock.

Some final crime prevention strategies include delaying the installation of appliances to as late as possible in construction, conducting background checks on all employees, and encouraging all employees to challenge strangers who enter the job site by saying “may I help you?”

If you have any questions or would like to learn more crime prevention strategies and tips, contact Officer Wanner from the Bismarck Police Department at 355-1932 or by emailing lwanner@nd.gov.

FOR SALEBlack and White Copy Machine

Contact the Bismarck-Mandan Home Builders Association at

222-2400 for details.

Oct. 2013 BMHBA Building Buzz Page 11

NAHB - Owning a home is the most valued long-term investment most Americans ever make. And owning your home is much more than a material asset, homeownership builds a sense of stability, pride, accomplishment and peace of mind. So protecting your home—and your loved ones that live in it—is a top priority for most families.

During Crime Prevention Month in October, here are some tips from the National Crime Prevention Council (ncpc.org) to keep your home and your family safe from crime.

Inside your home:• Install key locks, pins or other secure locks on every

window and sliding glass door.• Secure windows and sliding doors with secondary

blocking devices such as a stick or broom handle. • Use anti-lift devices to prevent windows and glass

doors from being lifted out. • Use high quality Grade-1 or -2 locks with a bolt that

extends at least one inch into the door frame to resist prying open or forceful entry.

• Use automatic timers to switch indoor lights on and off if you’re going to be away from home overnight.

• If you have an alarm system, don’t write your passcode on or near the alarm keypad.

• Keep a home inventory of valuables including serial numbers, pictures and sales receipts and keep a copy of the inventory in a safe place somewhere other than your home.

Outside your home:• Keep your yard, porch, garage doors, pathways and

entrances well-lit at night, either with permanent light-ing or motion-detecting lights that turn on when some-one comes within a certain distance.

• Trim plants and shrubs that could serve as hiding places for criminals away from windows and doors.

• Cut back tree limbs that could provide a way for thieves to climb into second-story or higher windows.

• Display alarm company signs and decals on the win-dows and lawn.

• Don’t hide a key outside your home. Leave a key with a trusted family member, friend or neighbor instead.

• If you’re going to be away, stop your mail and news-paper delivery, or ask a neighbor to pick them up for you.

• Ask a neighbor to park their car in your driveway while you’re away.

• Lock gate latches, garage doors and sheds with high-security, laminated padlocks.

• For items that need to be left out in the open, such as grills and bicycles, use a tarp to hide them from view and securely lock them to a stationary point such as a railing or post.

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

Crime Prevention Month Tips to Protect Your Home

Visit 122 Mandan St, Bismarck | Call 258-4400

Building a New Home? Get 35% Off Lighting at

Page 12 Oct. 2013BMHBA Building Buzz

National News: What Small Businesses Need to Know About the Healthcare Marketplace

Small businesses may get health coverage in the Small Business Health Options Program (SHOP) Marketplace. No employers are required to offer health coverage.

Starting in 2014, businesses with 50 or fewer full-time equivalent (FTE) employees can use SHOP to offer coverage to their employees. This applies to non-profit organizations as well. You control the coverage you offer and how much you pay toward premium costs.

Health coverage through SHOP starts as soon as January 1, 2014. You can sign up and begin offering coverage any time during the year.You have health coverage rightsStarting in 2014, insurance plans:

• Can’t turn you down based on the health status of your employees or their dependents, even if they have pre-existing conditions.

• Can’t charge you higher premiums for women, or increase your group’s premium for employees with high medical costs.

These rights do not apply to grandfathered plans. Since North Dakota has a federally-controlled marketplace, healthcare.gov is the best resource to learn about your rights.You may qualify for tax credits if you offer coverage through SHOP

If you have fewer than 25 full-time equivalent employees making an average of about $50,000 a year or less, you may qualify for a small business health care tax credit.

• Starting in 2014, the tax credit is worth up to 50% of your contribution toward employee premium costs (up

to 35% for tax-exempt employers). This will make the cost of providing health coverage lower.

• Beginning in 2014, the small business health care tax credit is available only if you get coverage through SHOP.

Have questions about the SHOP Marketplace for businesses with 50 or fewer employees? Call 1-800-706-7893 (TTY users: 1-800-706-7915). Hours: Monday through Friday, 9 a.m. to 5 p.m. EST. Agents and brokers may also use this number.Businesses with more than 50 employees could face payments in 2015

The Employer Shared Responsibility payment is a new requirement under the health care law for some employers. It will take effect in 2015. It will apply only to employers with 50 or more full-time equivalent (FTE) employees that don’t offer coverage or whose coverage doesn’t meet certain minimum standards.

For more information on the Healthcare Marketplace visit healthcare.gov. For specific guidelines on how the Affordable Care Act affects small businesses, visit SBA.gov/healthcare.

Bismarck-Mandan Board of REALTORS Invites BMHBA Members to ND Oil & Gas Activity PresentationThe Bismarck-Mandan Board of Realtors has invited

BMHBA members to be their guests at a luncheon on Thursday, October 10 at 11:30 a.m. The luncheon, to be held at the Elks Lodge, will feature a presentation by Lynn Helms, Director of the North Dakota Department of Mineral Resources. He will provide an update on the oil and gas activity in North Dakota and the projections for the future.

Bill Hourigan with the North Dakota Housing Finance Agency will also do a presentation on the Housing Incentive Fund. Attendees will learn how they can make a contribution to this fund and support housing projects

in North Dakota while taking a tax write-off on your state taxes and a deduction on your federal taxes.

BMHBA members are welcome to attend as their guest at no charge. They ask that you please RSVP by October 7 to heather@bmbor.org with your name and company or by calling 255-0712.

How is Healthcare Reform Going to Affect Me as a Small Business Owner?A lunch-n-learn to address this topic

will be held Nov. 7 at 11:30 a.m. Presented by Denise Roller of HR Services.

More information to be available soon.

Oct. 2013 BMHBA Building Buzz Page 13

Sales of newly built, single-family homes rose 7.9 percent to a seasonally adjusted annual rate of 421,000 units in August, according to newly released figures from HUD and U.S. Census Bureau. The gain partly offsets a dip in sales activity that occurred in July as consumers reacted to higher interest rates.

“Consumers are adjusting to the reality of today’s higher rates following a period of record-setting lows, and today’s sales report provides evidence of that,” said Rick Judson, chairman of the National Association of Home Builders (NAHB) and a home builder from Charlotte, N.C. “We expect to see more buyers coming back to the market as the psychological effects of the rate gains continue to wear off, particularly since, even after the recent spike, mortgage rates remain exceptionally favorable on a historic basis.”

“Sales of new homes bounced partway back in August from an unusual low in July,” said NAHB Chief Economist David Crowe. “That said, we are only about halfway back to what would be considered a sustainable level of activity in a normal economy, and the ongoing housing

recovery continues to be slowed by consumers’ concerns about interest rates, as well as weak job growth and uncertainty about what’s happening in Washington.”

Three out of four regions posted solid gains in new-home sales activity in August. Sales rose 8.8 percent in the Northeast, 19.6 percent in the Midwest and 15.3 percent in the South for the month. The West was the exception to the rule, with a 14.6 percent decline.

While the months’ supply of new homes edged down to 5.0 due to the quicker sales pace in August, the total inventory rose for a seventh consecutive month, to 175,000 units.

New-Home Sales Rise as Consumers Adjust to Higher Interest Rates

National News: Early Bird Pricing Available for International Builders’ Show Education and Expo Passes

Early bird pricing for the International Builders’ Show is available through December 20.

The Full Registration Package (3 days) includes admittance to the 2014 NAHB International Builders’ Show’s 100+ education sessions, a complimentary one-year subscription with on demand access to NAHB’s 2014 online library of recorded IBS education sessions (a $399 value), and entry to the IBS, KBIS and IWCE exhibit floors from Tuesday, February 4 through Thursday, February 6, 2014. The early bird price for the Full Registration Package is $350 for NAHB (a.k.a. BMHBA) members. Cost on-site is $475. First-time

attendees can get a Full Registration Package for only $125.

Expo passes are also available at a discounted early bird rate. Expo passes grant the attendee access to the show floor of the International Builders’ Show, Kitchen & Bath Industry Show and the International Window Coverings Expo which are all co-located to create Design & Construction Week. Expo passes are available to members for only $50.

To register for this great event, visit buildersshow.com. If you need assistance registering or have any questions, contact the BMHBA office.

Page 14 Oct. 2013BMHBA Building Buzz

NDAB NEWS Volume XXI, Issue 10 Monthly News from the North Dakota Association of Builders October 2013

N.D. leaders go to Colorado for NAHB Fall Board meeting Several North Dakota Association of Builders members will travel to Colorado Springs, Colo., this month to participate in the National Association of Home Builders’ Fall Board of Directors

meeting. Each NAHB board meeting includes caucus gatherings of the 15 “areas” within NAHB. These caucuses address issues of the included states and exchange information on trends and problems. North Dakota is part of Area 10 which also includes Minnesota, Iowa, Wisconsin and South Dakota.

NDAB’s very own Ralph Applegren, Applegren Construction, Grand Forks, is running to become national Area 10 chairman at this caucus meeting. He began serving as an NAHB National Director in 1992, is now a Senior Life Director and previously served as NAHB’s state representative for North Dakota. Area 10 chairmen serve on NAHB’s executive committee. All of our local associations are supporting Ralph and we will host a reception for him in Colorado. Best of luck!

Kochmann Brothers Homes wins state BEAM Award

Kochmann Brothers Homes, Inc., Fargo-Moorhead, is North Dakota’s state BEAM Award winner for 2013! BEAM stands for Builders Engaging Associate Members, and is an award established by NAHB’s Associates’

Committee. The BEAM Award is bestowed on one builder who is someone who best exemplifies the motto “it’s good business to do business with a member.”

Kochmann Brothers Homes will compete with other builders around the country for the national award which will be presented at the Associates’ Awards Breakfast during the International Builders’ Show in February 2014.

NDAB Annual Meeting & Awards Banquet Nov 21-22

We welcome all members to attend the NDAB Annual Meeting and Awards Banquet that will be Nov. 21-22 at the Grand Williston Hotel & Conference Center in Williston. We are planning a patriotic theme and encourage attendees to dress in red, white and blue for the banquet Friday night. Here is the schedule:

Thursday Nov. 21 1 - 1:45 p.m. Registration/Board Check-In 1:45 - 2:45 p.m. The 411 on the 3-in-1 3 - 6 p.m. Oil Well Site Tour Friday Nov. 22 8:30 a.m. - 2:30 p.m. - NDAB Annual Board of

Directors’ Meeting 2:30 - 4 p.m. NDAB-PAC Trustees Meeting 5 - 6:15 p.m. NDAB-PAC Appreciation Reception

Off-site, by invitation only for $365+ contributors 6:30 p.m. Annual Meeting Social 7:15 p.m. Annual Meeting Dinner and Awards

Jason Eid NDAB President

North Dakota Association of Builders 1720 Burnt Boat Drive, Suite 207, Bismarck, ND 58503-0801 701/222-2401 or 800/326-4746 www.ndbuild.com

The North Dakota Association of Builders’ search for a new executive officer continues. The office will be minimally staffed during the interim. If you need assistance, contact your local association’s executive officer or NDAB President Jason Eid, Eid-Co Buildings, Inc., at (701) 237-0510 ext. 160 or jasoneid@eid-co.com. The email account that will be monitored for the association is info@ndbuild.com.

Free safety courses begin The North Dakota Association of Builders offers free safety

training through your local builders association and a grant from Workforce Safety & Insurance. Classes begin this month! Check the schedule at www.ndbuild.com for upcoming offerings. To register, contact the appropriate local association (information is listed on the next page). Courses are free to members. You must pre-register.

Topics include OSHA 10-Hour Construction Course, Forklift Operator Training, Trenching and Excavating, Defensive Driving, CPR/First Aid, Scaffolds and Fall Protection.

NDAB Member Benefit Highlight Did you know? The North Dakota Association of Builders offers a Member Rebate Program for both Builder and Remodeler companies, no matter how large or small. For the minimal effort of informing NDAB about home construction products you use and when you close on a home or project, you’ll put money back in your pocket. To start receiving your rebate, register at www.hbarebates.com/ndab/html.

Oct. 2013 BMHBA Building Buzz Page 15

www.ndbuild.com North Dakota Association of Builders October 2013

Bismarck-Mandan Home Builders Assoc. Roxy Jacobson, Executive Officer 701-222-2400 bmhba.com

The largest Fall Parade of Homes ever showcased 39 new homes from 32 builders. The Fall Parade winners will be announced at the Fall Awards Mixer Oct. 15 and posted in the Bismarck Tribune the following day.

All members are encouraged to bring their families to BMHBA Family Night at the Pumpkin Patch 5 - 7 p.m. Oct. 3. Join us for hotdogs, chips and lots of fall fun! It’s free and children will go home with a treat.

The fun October events continue at the Fall Awards Mixer! On Oct. 15, we’ll be changing up our typical GMM by hosting a membership mixer with a Mexican twist. Join us for a taco/burrito bar and sangria while we congratulate our Parade and BEAM award winners at the Ramada in Bismarck.

The regional OSHA office is hosting a Fall Prevention Stand Down webinar 9 - 11 a.m. Oct. 1. In cooperation with the NDAB and WSI, we are also offering an OSHA-10 training course Oct. 15-16 at the N.D. Safety Council. Both safety training opportunities are free to BMHBA members. To get registered for this training or register for an event, contact the BMHBA office.

Dickinson Area Builders Assoc. Irene Schafer, Executive Officer 701-483-0044 dickinsonareabuilders.com

Our September meeting was held at Lady J’s Club & Catering. Doug Sullivan presented a program on our local school system including information on our new school, Prairie Rose Elementary.

Our Builder & Associate of the Year were voted on: Mark Lefor is our Builder of the Year and Kristi Schwartz is Associate of the Year.

DABA and the Boy Scouts are partnering in getting an Explorer Post organized and plan to have an organizational meeting in late September at Kuntz Builders.

OSHA Safety Meeting will be at Butler Machinery Oct. 14-15.

Home Builders Assoc. of Fargo-Moorhead Bryce Johnson, Executive Vice President 701-232-5846 hbafm.com

The HBA will host its Annual Meeting Oct. 15 at the Ramada Plaza and Suites featuring Builder and Associate of the Year awards, 25-year member plaques and guest speakers Remi Stone, Builders Association of Minnesota executive officer, and James Gartin, Greater Fargo Moorhead Area Economic Development Corporation president.

The Association will also hold a Building Officials’ Roundtable Lunch & Learn Oct. 29 and offer the BAR and PREP tests Oct. 30 for members looking to attain the Certified Graduate Builder and Certified Graduate Remodeler designation from NAHB

Forx Builders Association Betty McDonald, Executive Officer 701-746-4536 forxbuilders.com Our annual Golf Outing was held in

September at King’s Walk Golf Course. Thank you to all the golfers and sponsors for making this a great day!

Our October General Membership Meeting will be Oct. 15 at Muddy Rivers. We will announce the 2013 Builder and Associate of the Year awards as well as our BEAM award.

Because we don’t have a meeting in September, we recognize our Associates at the October GMM. Our speaker will be Lonnie Laffen from JLG Architects whose topic will be “What Really Happened in Western North Dakota.” Blue Cross Blue Shield of ND will be a sponsor for the meeting.

Our safety training classes sponsored with NDAB and ND

Workforce Safety & Insurance are scheduled for Nov. 13. The morning class will be on trenching and excavating and the afternoon class will be on forklift operation. These classes are free to members.

Minot Association of Builders Vicky Flagstad, Executive Officer 701-852-0496 minotab.com Oct. 1 – Zoning sub-committee meets

with city officials to address issues concerning commercial and industrial zoning ordinances.

Oct. 2-5 – Norsk Hostfest is being held at the State Fair Center in Minot. There is lots of great food and entertainment.

Oct. 15 – 50th Annual Meeting & Awards Banquet at the Holiday Inn Riverside. U.S. Rep. Kevin Cramer will be the guest speaker. Social starts at 6 p.m. and everyone is invited to attend.

Williston Area Builders Association Jessica Taylor, Executive Officer 701-572-5744 willistonbuilders.com

Sept. 21-22 was our 1st Annual Fall Parade of Homes with 13 homes. It was a huge success and we look forward to making it even bigger and better for 2014!

Jessica Taylor, our executive officer, is still out part-time on maternity leave. The best mode of communication with her during business hours is via email: eo@willistonbuilders.com.

Congrats to David Nordenstrom, Nordenstrom Custom Homes, for winning our local BEAM award!

Around the State

3-In-1 Membership: Local, State, National When you become a member of your local builders association, you're also a member of the North Dakota Association of Builders and the National Association of Builders. This federation works for the benefit of the building industry and its members. There are nearly 1,700 members across North Dakota, and over 140,000 members nationwide.

35

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