PVBIA
P.O. Box 897
Culpeper, VA 22701
540.825.7558
866.303.8205 (fax)
info@pvbia.org
Affiliated with:
For NAHB Member Savings
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Read: Letter from the President
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Sportsman's Bash Sponsors April 30, 2010
Winners PVBIA Sportsman's Bash 4/30/10
PVBIA 2010 Directory
PVBIA 2009 Awards
TOP 10 NAHB ACTIONS TO BENEFIT OUR MEMBERS
2009-2010 Home Buyer Federal Tax Credit Fact Sheet
New Lead Paint Rule Website
Culpeper County New Building Fee Schedule
PVBIA Member Benefits Update
What it means to be a member
PVBIA Advertising - New Rates 2010
Health Insurance Benefit Program
Member Benefit-GM Offers Savings to PVBIA Members
Welcome New Members-2010
Join a PVBIA Committee
Clark Brothers Guns www.clarkbrosguns.com
Lake Anna Striper Guide Service-www.jimhemby.com
The Little Clam Fishing Charters-www.littleclam.com
Custom Sound Charters- www.customsoundcharters.com
Rose HIll Farm- www.rosehillfarm.org
Locust Dale Hunts-www.loucustdalehunts.com
Rigged Up Fishing Charters-www.riggedupcharters.com
Posted: 01-May-2010
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$500.00 Cash #136-Chris Ward
Weatherby Vanguard 270 Cal. #245-Leilani Scott
$500 Clark Bros. Gift Certificate #135-Rick Foret
Lake Anna Full Day Striper Fishing Trip-#036 Christopher
Remington 597 with scope & sling 22LR #253- Billy Cannon
Guided Pheasant Hunt, 2 Half Day Trips- Shady Grove #043-Tanya Updike
Hatteras, NC Full Day Bottom Fishing Trip- www.littleclam.com #171 -Scott Coffey
Remington 887 Nitro Mag. Camo, 3 ½”, 28” Barrel, 12 Gauge #303-Shannon Gearing
Thompson Center “Omega” Muzzleloader 50 Cal. #194-Kathy Freiberger
$500.00 Cash #234-Mike Jenkins
Remington 870 Express 3”, 28” Barrel, Matt Finish, 12 Gauge #136-Chris Ward
Nags Head, NC Half Day Waterman Trip- www.customsoundcharters.com #275-Keith Ferrish
50/50 Raffle- 1st Prize-Cash…2nd Prize-1/2 Day hunt www.rosehillfarm.org Don Haight/Jim Gearing, Sr.
Remington Silver Legacy Over/Under, 28” Barrel, 12 Gauge #170-Ryan Smoot
Remington 887 Nitro Mag. Black, 3 ½”, 28” barrel, 12 Gauge #123-Curtis Stuart
Gift Certificate $ 200 Bass Pro Shop- #51 Walter Cheatle
$500.00 Cash #123-Curtis Stuart
Savage DROP MAG w/ Scope & Sling 300 Mag. #305 Rick Caton
Hatteras, NC Full Day Cobia Fishing Trip- www.littleclam.com #141-Paul Ward
Savage Varmint Laminated Thumbhole 204 Cal. #254- Mike Gaudy
Guided Turkey Hunt -Locust Dale Preserve- www.locustdalehunts.com #096-Keith Gunter
Weatherby Vanguard 7 MM Mag. #184-Michelle Bell
Mossberg 500 Grand Slam Turkey 3”,12 Gauge #308-Charles Haywood
$500.00 Cash #184-Michelle Bell
Oregon Inlet, NC –Full Day Deep Sea Fishing Trip #170-Ryan Smoot
All prizes must be claimed by winner by March 15, 2010. All unclaimed prizes will become the property of the PVBIA after May 16, 2010.
Posted: 01-May-2010
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The Piedmont VA Building Industry Association
2010 Membership Directory
Dear PVBIA Members:
The PVBIA will produce it’s first directory for members and consumers. The directory will be available to PVBIA members as well as be sent to potential new members and consumers looking for building industry trades. The directory website will also be available at the Culpeper Chamber of Commerce for consumers in the area as well as ones that are interested in moving to Culpeper. There are over 100 inquiries about the Culpeper area each month.
We want to promote YOU, our PVBIA members. Please make sure all your contact information is correct. It will be up to you to make sure the office has your information. The directory will list members alphabetically and by trade. Please review your information and make sure all your information is correct as well as your category. If you would like your trade name under an additional category, please make sure to note this addition. There is a limit of 3 categories for each member. Make sure to contact the PVBIA office with any changes or additions at gearing4@aol.com. Listings will stand as is if changes are not made by company representative. Changes will be due by February 30, 2010.
*PVBIA members will have the opportunity to highlight their company with a clickable logo advertisement.
Stand out from the others!
Advertisements will be due by February 30, 2010.
Please send PDF ad and PDF logo with website address via email.
Rates:
Inside Front Cover Full Color 8x10 : $75
Inside Back Cover Full Color 8x10: $75
Full page Full Color 8x10 : $50
Half Page Full Color 8x5: $30
Posted: 12-Feb-2010
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The Builder Member of the Year 2009:
Walter Cheatle, Jr.
Trigon Homes
The Associate Member of the Year 2009:
Ron Johnson
Rappahannock Electric Coop
The President's Award 2009:
Loretta Cummings
Williamsburg Environmental Group
The awards for Builder and Associate member are based on a point system for participation in the association as well as the community, Home Builders Association of VA, and the National Association of Home Builders.
The President's Award is determined by the current president to recognize outstanding leadarship and dedication by a PVBIA member.
Posted: 02-Feb-2010
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-TOP 10 NAHB ACTIONS TO BENEFIT OUR MEMBERS IN THE PAST MONTH-
1. Thanks to the hard work of NAHB, our grassroots members and a number of our allies in the Senate, proposals to extend and expand the home buyer tax credit and expand the Net Operating Loss (NOL) carryback provision of the tax code have been included in a bill to extend unemployment insurance benefits that is quickly moving its way through Congress. Specifics are still somewhat fluid, and obviously, this is not a done deal just yet. But as of press time for this report, here is what we know is in the housing proposals:
Home Buyer Tax Credit Provisions
- The $8,000 tax credit would be extended until April 30th for first-time home buyers; - A new $6,500 tax credit would be created for move-up buyers for the same period; - Both categories of buyers would have until June 30th to close on the home after signing a contract prior to the April 30 deadline; - Both categories of home buyers would have new, higher income limits of $125,000 for individuals and $225,000 for couples; - Move-up buyers must have been residing in their primary residence for 5 consecutive years out of the last 8 in order to qualify for the credit; and - Homes over the purchase price of $800,000 do not qualify.
NOL Carryback
- Five year carryback for NOLs in either 2008 OR 2009, not both; - Years 1-4 allow for 100% use of NOLs; year 5 is limited to 50% of a company’s taxable income in that year; - There would be no size limitation for the company or other cap on revenues; - Unused NOLs in year 5 are still eligible for the 20 year carry forward; - Small businesses (less than $15 million in gross receipts) would be able to claim a 5-year carryback for 2008 losses (under ARRA) and for 2009 losses according to the proposal; and - There would be no limitation for NOLs claimed against AMT tax liability in carryback years.
We anticipate that the Senate will pass this legislation over the coming week and send it to the House for its approval immediately thereafter. With any luck, a bill should be on the President's desk for his expected signature by the end of the week. Contact: Michael Strauss, 800-368-5242, x8252.
2. NAHB Chairman Joe Robson testified before the House Small Business Committee on Oct. 7, urging Congress to help housing put America back to work. Joe told committee members that, while existing and new home sales appear to have stabilized in recent months, the industry continues to face some severe headwinds that are muting the chances of a significant housing recovery. Specifically, he said, "we are continuing to feel the impact of foreclosures and short sale properties as comps," which is resulting in inappropriately low appraisals that are effectively sinking one quarter of all new-home sales right now. Meanwhile, another major hurdle is the pending Nov. 30 expiration date for the first-time home buyer tax credit. If Congress wants to create jobs and put the housing market and economy on 2 sounder footing, Joe said, it needs to extend the credit and make it available to all purchasers of a principal residence. Joe also said that Congress can help resolve problems tied to low appraisals by urging the FHA and Fannie Mae and Freddie Mac to adopt and enforce guidance that instructs appraisers on the proper procedures for the use of distressed and/or foreclosed properties as comparables. Beyond this, lawmakers can further help put the housing industry back on its feet by exerting their influence on regulators and the banking industry to restore lending for viable home building projects and to take meaningful steps to avoid unnecessary foreclosures on outstanding loans, said Joe. In addition, Joe called on Congress to make permanent and enhance the new energy-efficient home tax credit that is due to expire at the end of this year. Contact: Greg Brown, 800-368-5242, x8421.
3. An EPA Science Advisory Board handed a win to NAHB members with its recent decision that the agency's new method for estimating the damage caused by an excess amount of nutrients in a body of water is not based on sound science.
According to the peer review board, the methodology in question, called conditional probability, does not establish any demonstrated environmental gains from reducing nutrients. This review board was convened by the EPA at the urging of the Home Builders Association of Metropolitan Harrisburg, Pa., with the assistance of NAHB and other organizations after EPA Region officials began to use the faulty methodology to develop extremely low Total Maximum Daily Load (TMDL) thresholds for Paxton Creek in the southeastern part of the state. Critics charged that the methodology was never broadly reviewed by the scientific community and that it was controversial, primarily because it incorrectly assumed that nutrients are toxic to insect life. Now that the peer review board has said that the conditional probability method is untenable, it is up to the EPA to reject that opinion, make improvements to the method before reissuing it, or scratch it altogether. Hopefully the agency will do the right thing and seek a new scientific method to ensure that the money spent on reducing pollutants will truly lead to improvements in degraded water bodies. Because the EPA will likely be writing a number of new TMDLs designed to reduce nutrient discharge to a variety of U.S. water bodies in the future, the review board's decision to send the EPA back to the drawing board is an important one for NAHB members nationwide. Contact: Calli Schmidt, 800-368-5242, x8132.
4. A landmark NAHB Webcast event moderated by NAHB Chairman Joe Robson sought to put the best minds in housing finance to work on determining how this country's housing-related government sponsored enterprises (GSEs) should be structured in the post-recession era.
Participants included such respected industry experts as Lewis Ranieri, chairman of Ranieri Partners LLC; Michael Berman, president and CEO of CWCapital and chairman-elect of the Mortgage Bankers Association; Peter Wallison of the American Enterprise Institute; Geoff Bacino, former director of the Federal Housing Finance Board who is now president of Bacino and Associates; and former House Financial Services Committee Chairman Michael Oxley, who is now with the law firm of Baker Hostetler. In debates over various potential GSE reform methods, the only unanimous conclusion among these expert panelists was that the status quo cannot be maintained.
"The question is how to make the transition from the current structure to the future structure without undermining ongoing financial rescue efforts and throwing the housing finance system into even more chaos," said Joe, in starting the discussion. "There are many possibilities, ranging from extremes such as complete privatization or operation as government agencies, to a number of public-private versions between those extremes." NAHB sought to host this special Webcast because, as Joe explained, "We want to go to the table with sound ideas that will produce the best possible long-term outcome for home buyers and home builders." For comprehensive coverage of this event, including the input of our star panelists, read the Nov. 2 evening edition of Nation's Building News Online.
5. NAHB has taken a position in support or opposition to about 1,100 of the code change proposals that have been submitted for consideration at the International Code Council’s 2009-10 Code Development Hearings and Annual Conference, which is being held from Oct. 24 through Nov. 11. We will be arguing many of these positions in person.
The hearings are the first step toward development of the 2012 ICC family of model building codes, including the International Residential Code and International Energy Conservation Code. The 2012 editions are expected to be available for adoption in mid-2011. Out of 2,400 potential code changes that are under consideration, many could have a significant impact on home building practices without providing any corresponding cost-effective benefits – which is precisely why members of the NAHB Construction, Codes and Standards Committee’s Provisions Oversight Groups (POGs) met in Washington two months ago to develop our association's positions in preparation for this week's conference. As a result, NAHB also submitted certain proposals, including our EC 16 proposal that POG members have determined is the most comprehensive, affordable and flexible way to achieve a 30% increase in energy efficiency. This efficiency goal is supported by NAHB policy and has been cited by members of Congress as a key step toward combating global warming. Read about some of the other positions that NAHB has developed on various code proposals in the latest edition of NBN Online, and you'll have a true appreciation for the hard work that our member and staff codes experts have been doing behind the scenes on your behalf! Contact: Calli Schmidt, 800-368-5242, x8132.
6. Testifying before the Senate Banking Committee on Oct. 20, NAHB Chief Economist Dr. David Crowe warned that builders are reporting that business generated by entry-level buyers is already declining because it is now too late to complete a new home sale in time to take advantage of the $8,000 first-time home buyer tax credit.
On behalf of NAHB, David urged Congress to extend and expand the credit. "Not only will builders soon be losing one of their most effective selling tools, they are also facing significant challenges that threaten to derail the fragile housing recovery before it even has time to take root," he said. "Strict mortgage underwriting and low appraisals are making it difficult for a willing buyer to complete the sale, and terms and credit availability for builder acquisition, development and construction (AD&C) loans are extremely tight." The bottom line is that housing and the economy are at a critical crossroads, he explained. He said that to spur job growth, help reduce foreclosures and excess housing inventories, and stabilize home values, Congress should extend the home buyer tax credit for an additional year through Nov. 30, 2010 and make it
available to all purchasers of a primary residence. In addition, he said, Congress can also help put the housing market back to work by encouraging regulators and the banking industry to restore lending for viable home building projects and to take meaningful steps to avoid unnecessary foreclosures on outstanding AD&C loans by accommodating loan modifications and workouts. Contact: Dave Ledford, 800-368-5242, x8265.
7. NAHB’s Fall Construction Forecast Conference last month gathered the nation’s top economists under one roof to assess the current condition of the housing market and prospects for an eventual recovery.
This well-attended event, which included both in-person participants and those connecting to the conference via Web connections, attracted significant media attention. Leading off the day, NAHB Chief Economist David Crowe reported that "This will not be the kind of robust recovery you usually see given the depths we are coming out of," and said that a big negative for the economy right now is the continuing wave of joblessness. "Not adding to jobs feeds back into dampening housing demand," he said. So while new home sales bottomed out at a seasonally adjusted annual rate of 329,000 units in January and climbed back 30% by August, to 429,000, David's forecast is for a total of just 389,000 sales this year, followed by a rise to 525,000 sales in 2010 and 806,000 in 2011. One problem is that there are currently about two million vacant homes for sale, which is approximately one million more than needed; additional foreclosures are partly to blame along with high unemployment. Throughout the day, every expert panelist who appeared was in agreement on at least one thing – that failure to extend the home buyer tax credit, which was set to expire at the end of November, would be a setback for the first-time home buyer market that was driving sales this summer. For comprehensive coverage of the Construction Forecast Conference, look to in the Oct. 26 evening edition of Nation's Building News Online.
8. NAHB's new brand and logo are ready for your use. Earlier this year our Board of Directors adopted a new branding structure and logo for NAHB. Now, after much hard work and testing, we are rolling out our related resources for members and HBAs. To get you started, you'll need to access the NAHB Brand Identity Guidelines for NAHB Members and Affiliated State and Local Associations, which are available at: www.nahb.org/logoform. Here, users will be asked to acknowledge that you have reviewed the guidelines and accept their terms of use. Once you do this, you will be given access to the logo Web page. For access to this page after you have accepted the terms of use, you can go straight to www.nahb.org/logos.
NAHB will be undertaking a "rolling" implementation of the new brand, which means that you can expect to see both our old logo and our new one in use for quite some time to come. To minimize costs, our staff will be using up existing stock of letterhead, brochures and other materials before printing new resources with the new logo; our locals and members are encouraged to do the same. At some point in the future, NAHB will ask that all affiliated associations and members transition to the new logo – but until then, please feel free to use whatever materials you may have that employ the old logo. Of course, as you order reprints of materials, you should use the new NAHB logo in accordance with the NAHB Brand Identity Guidelines. Similarly, websites and other electronic communication vehicles can be updated with the new logo at your earliest convenience. Please direct any questions to the Member Service Center at 800-368-5242, x0 or info@nahb.org
9. NAHB's Quick Issues Index document was updated in preparation for last month’s Fall Board of Directors Meeting in Chicago. This document provides you with a quick summary of top NAHB Advocacy issues on which there have been significant developments in recent months. It also tells you where to go for more information on any topic, with links to online resources as well as contact information for staff experts. The Quick Issues Index is available at: www.nahb.org/issuesindex (Note: you must be logged into the NAHB Web site with your member ID and password to view this resource). Contact: Samantha Silver, 800-368-5242, x8450.
10. NAHB is now on LinkedIn; here you can connect with other NAHB members and staff. The National Association of Home Builders is the official NAHB group on LinkedIn. By joining the group, you can monitor NAHB’s Twitter and news release feed, create and participate in discussions about home building and NAHB, and help grow NAHB’s online community. The group’s primary goals are to foster networking and information sharing, which adds value to your NAHB membership and enhances our online communications. The LinkedIn group is just part of NAHB’s new social media initiative, which puts strategic emphasis on building an active presence in online communities like LinkedIn, Twitter and Facebook. You can connect with all NAHB social media properties via http://nahb.org/socialnetworks
Posted: 30-Nov-2009
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2009-2010 Home Buyer Federal Tax Credit Fact Sheet
Who is Eligible
First-time home buyers, who are defined by the law as buyers who have not owned a principal residence during the three-year period prior to the purchase, may be eligible for up to an $8,000 tax credit.
Existing home owners who have been residing in their principal residence for five consecutive years out of the last eight and are purchasing a home to be their principal residence (“repeat buyer”), may be eligible for up to a $6,500 tax credit.
All U.S. citizens who file taxes are eligible to participate in the program.
Income Limits
Home buyers who file as single or head-of-household taxpayers can claim the full credit ($8,000 for first-time buyers and $6,500 for repeat buyers) if their modified adjusted gross income (MAGI) is less than $125,000.
For married couples filing a joint return, the combined income limit is $225,000.
Single or head-of-household taxpayers who earn between $125,000 and $145,000, and married couples who earn between $225,000 and $245,000 are eligible to receive a partial credit.
The credit is not available for single taxpayers whose MAGI is greater than $145,000 and married couples with a MAGI that exceeds $245,000.
Effective Dates
The eligibility period for the tax credit is for homes purchased after the date the legislation was enacted, and before May 1, 2010. However, home purchases subject to a binding sales contract signed prior to April 30, 2010 will qualify for the tax credit provided closing occurs prior to July 1, 2010.
Types of Homes that Qualify
All homes with a purchase price of less than $800,000 qualify, including newly-constructed or resale, and single-family detached, townhomes or condominiums, provided that the home will be used as their principal residence. Vacation home and rental property purchases do NOT qualify.
Tax Credit is Refundable
A refundable credit means that if the amount of income taxes you owe is less than the credit amount you qualify for, the government will send you a check for the difference.
For example:
A first-time buyer who qualifies for the full $8,000 credit who owes $5,000 in federal income taxes would pay nothing to the IRS and receive a $3,000 payment from the government. If you are due to receive a $1,000 refund, you would receive $9,000 ($1,000 plus the $8,000 first-time home buyer tax credit).
A repeat buyer who owes $5,000 would pay nothing to the IRS and receive $1,500 back from the government. If you are due to get a $1,000 refund, you would get $7,500 ($1,000 plus the $6,500 repeat buyer tax credit).
All qualified home buyers can take the tax credit on their 2009 or 2010 income tax return.
Payback Provisions
The tax credit is a true credit. It does not have to be repaid unless the home owner sells or stops using the home as their principal residence within three years after the purchase.
The www.federalhousingtaxcredit.com site is being updated. Please check the site next week for more detailed information on the new tax credit!
For more information about this item, please contact Gwyn Donohue at 800-368-5242 x8447 or via e-mail at gdonohue@nahb.com.
Posted: 06-Nov-2009
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New Lead Paint Rule Website
If you do almost any kind of construction or installation work in homes or child occupied facilities built before 1978, they need to know about the EPA's new Lead: Renovation, Repair and Painting rule.
NAHB has a number of resources to help members comply with the new lead paint rule. Remodelers and builders who conduct renovation or remodeling projects in homes built before 1978 must soon comply with new lead paint safety requirements set by the U.S. Environmental Protection Agency. Any company doing work in these homes must be certified, follow specific work practices and keep detailed records. At least one employee in these companies must be trained in these new requirements by April 2010.
Visit www.nahb.org/leadpaint for the latest news on the rule, requirements of the rule, training and preparing your firm for the rule, and how to educate consumers about it.
Resources on this website include:
- An overview of the rule requirements and compliance deadlines
- An NAHB audio seminar about the rule and steps for compliance
- Renovate Right and other materials issued by the EPA to help with compliance
- How to become a certified firm or certified renovator
- How to become a training provider
- Contract language for use on remodeling jobs before the rule goes into effect
Posted: 19-Jun-2009
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CULPEPER COUNTY BOARD OF SUPERVISORS APPROVED NEW BUILDING FEE SCHEDULE
Fee Schedule will be effective August 15, 2008
Permit Fees for both Commercial and Residential were carefully reviewed and approved by the
Board of Supervisors on August 5, 2008. The new fee schedule will take effect on August 15, 2008.
All applications currently under review and submitted prior to August 15, 2008 will be calculated
according to the current fee schedule.
Residential Fee Schedule remains the same for New Construction and trades: Mechanical; Electric;
and Plumbing (“M-E-P”). Minor increases were approved for Miscellaneous Fees. Effective with this
Fee Schedule, an Administrative fee of $75.00 will be required at the time of submission of building
permit; the fee will go toward the total permit fee, but will not be refundable if the project is cancelled or abandoned.
Commercial Fee Schedule also has minor increases and most of those are also related to Miscellaneous
Fees. The biggest differences in the Commercial Fee Schedule are the Trade permits. For example
the "M-E-P" permits will be calculated by “square foot” instead of "contract value." Fire Protection
Permits will be charged per device.
Bob Orr, Building Official carefully weighed and compared approved cost against the current fee
schedule and while there is somewhat of an increase overall, it is small and remains less than
most of our neighboring jurisdictions.
The New Fee Schedule will be posted soon on our website for future reference
http://web.culpepercounty.gov/CountyGovernment/BuildingDepartment.aspx
Posted: 18-Aug-2008
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Member Benefits Update
It’s time to reap the many benefits of membership
by Jim Bonnell, LUTCF, HBAV director of member benefit services
Being a member of the Home Builders Association of Virginia comes with many benefits. The strong representation in front of Virginia’s legislators and lawmakers at the Capitol is vital to the health of the home building industry in the Com¬monwealth. This important promotion and protection of the home building industry wouldn’t be possible without the support of our nearly 6,400 member-companies throughout the state.
Working together, our membership and financial support are helping to ensure the strength of Virginia’s housing industry for years to come. In addition to the representation at the state Capitol, HBAV members have access to special benefits, insurance programs and expert advisers who can help your business succeed.
Employee benefits consulting and workers’ comp programs
Wholly owned by HBAV, the HBAV Insurance Agency exists to provide valuable member benefits to all 6,400 member-companies and their employees across the Commonwealth. The HBAV Insurance Group is an independent insurance broker¬age that specializes in employee benefits consulting and has partner companies that specialize in workers’ compensation and general liability coverage for contractors and related business.
The mission of HBAV’s Insurance Group is to provide customized, comprehensive solutions for our members through our strategic relationships with our association, agency and company partners.
Whether HBAV members take advantage of one of our many strategic partnerships with companies such as Anthem Blue Cross Blue Shield, John Hancock Life, Dominion Dental or the Building Insurance Associa¬tion — or have us shop-out their group benefits to multiple carriers — we are here for you. The HBAV Insurance Agency has access to many carriers throughout Virginia and we are prepared to help large or small groups, as well as individuals.
A small-group health plan can be started with as few as two employees. The benefit consultants at HBAV can help you get a company-sponsored health plan started within a very short period of time. Some carriers we work with are United Healthcare, Optima, Southern Health, Aetna and An¬them Blue Cross Blue Shield.
Anthem health insurance
HBAV has had a long-standing rela¬tionship with Anthem Blue Cross Blue Shield’s value-added association benefit. In this program, any HBAV member with Anthem health insurance can add an enhanced package of benefits, at no additional cost. The only requirement is that your group has between two and 99 employees.
Since 1997, more than 1,000 HBAV member companies throughout the Com¬monwealth have taken advantage of this great free benefit.
Qualified retirement plans:
401(k), SIMPLE, SEP, IRAs
A qualified retirement plan can help you to attract and retain the best employees.
Surveys show that retirement plans are consistently one of the most-valued benefits that employers can provide for their employees. These IRS-qualified plans allow employees to defer federal and state income taxes, contribute automati¬cally through payroll deductions, simplify investment decisions and receive immedi¬ate returns on their investment when a company match is available.
HBAV Benefits Group has a certified financial planner on staff who can review existing retirement plans, assist in setting up new offerings, or just provide answers and guidance.
Long-term care insurance at a special group discount
Long-term care is the type of care people need when they can no longer manage basic daily activities on their own such as eating, dressing or bathing. Long-term care insurance can help you to ensure that a long-term care event doesn’t become a family burden or a financial misfortune.
When you incorporate long-term care insurance into your overall financial plan, you and your family will be able to help:
• Protect your retirement assets for their intended purpose.
• Preserve your independence and ability to choose where you’d like to receive care.
• Cover the cost of long-term care expenses if they arise.
• Reduce the physical and emotional burden that care giving can have on fam¬ily members.
Through a partnership with John Hancock Life Insurance Co., HBAV offers long-term care insurance coverage on a voluntary discounted premium basis.
Long-term disability, short-term disability and life insurance
The market for these products is very competitive and rates are changing all the time. It’s recommended that these ancillary benefits be shopped-out periodi¬cally to ensure your group is getting a competitive rate on its group insurance.
Dental benefits
Through the help of Dominion Dental Services, HBAV members can access group and individual dental plans throughout Vir¬ginia. These plans offer PPO, DHMO and discount plan options that are competitively priced and have strong benefits.
The PPO option allows members to access benefits at any licensed dentist in Virginia.
For more information regarding the group dental benefits, call or e-mail me using the contact information below.
Individual health insurance
Co-payment … co-insurance … de¬ductibles … health savings accounts … What does all this mean?
HBAV Benefits Group can help you make sense of your health insurance coverage. We work with multiple carriers to provide individual health insurance at competitive rates for our members. Mem¬bers can even go online to http://hbav.com/services2.html for a link to apply for health coverage.
For more information on the current insurance programs offered by HBAV, contact me at (800) 734-6344 or jbon¬ell@hbav.com. VAB
Posted: 26-Mar-2008
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* "The PVBIA group is a great way to meet the peers in my community. This is a laid back, friendly, easy group of folks that are a pleasure to meet and greet. I have made friends and contacts that have been invaluable to my career".
Kevin- Terra Development
*"Wonderful group of people concerned about issues concerning the Culpeper region".
Sandra- NVS Kitchen & Bath
* "Information! At the source. The Pulse of your local business".
Earl- First Colony Homes
* "Good group of quality people that really care about our industry".
Bobby- Allied Concrete Co.
* "The organization affords an opportunity to not only network but to actually aquire business, which usually opens other avenues or contacts. Thank you PVBIA"!
Lois- Awesome Insulation
* "Networking, Fraternity! The guest speakers are the best around, very industry oriented and informative".
John- J P Morgan Chase
* " A great place to meet "Movers and Shakers" in our industry".
Dan P.- Dewberry
Posted: 18-Nov-2007
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PVBIA Electronic Newsletter
Advertising Rates 2010
Full Page Ad-8”x10”
(advertiser provides pdf)
$75
1/2 page Ad-8”x5”
(advertiser provides pdf)
$50
1/4 page Ad-3.5”x5”
(advertiser provides)
$25
DIRECTORY 2010 AD RATES: Due by 2/28/10
Inside Front Cover Full Color 8x10 : $75
Inside Back Cover Full Color 8x10: $75
Full page Full Color 8x10 : $50
Half Page Full Color 8x5: $30
Ads will be sold as space allows.
Deadlines are the 10th of the month preceding publication. Please contact the PVBIA office for more details gearing4@aol.com or 540-825-7558. PDF or JPG
Posted: 27-Mar-2007
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Insurance
Anthem Value Added Benefits Program
Membership Offers Additional Benefits on
Anthem Blue Cross and Blue Shield Health Plans
If you are a member of the Home Builders Association of Virginia and you have between 2 and 99 employees - you are eligible to receive additional value added benefits from Anthem Blue Cross and Blue Shield for your employees and their families.
What does it cost?
You do not have to pay any additional premiums for these value-added benefits. Once you sign up for Anthem health insurance (at the determined premium level) - and indicate you are a member of the Home Builders Association of Virginia these value-added benefits will be included in your plan at no additional premium cost.
What do we get?
If your group offers Anthem’s KeyCare/ BlueCare copayment plan, members get Preventive Care and Routine Wellness at 100%. This includes an annual check-up, an annual gynecological exam and pap test, and annual mammogram for members age 35 and over, an annual colorectal cancer screening, an annual prostate exam and prostate specific antigen (PSA) test for men 40 and over and up to $200 per calendar year for members age 7 and over for additional routine immunizations, labs and x-rays done in connection with annual check-ups. Members pay no copayment, no deductible and no coinsurance. You also receive a Supplemental Accident Coverage covering 100% of the first $750 of allowable charges, and a Hearing Discount Program.
If your group offers Anthem’s KeyCare HSA plan, members get Preventive Care and Routine Wellness at 100%. This includes an annual check-up, an annual gynecological exam and pap test, and annual mammogram for members age 35 and over, an annual colorectal cancer screening, an annual prostate exam and prostate specific antigen (PSA) test for men 40 and over and up to $200 per calendar year for members age 7 and over for additional routine immunizations, labs and x-rays done in connection with annual check-ups. Members pay no co-payment, no deductible and no coinsurance. You also receive a Hearing Discount Program.
If your group offers Anthem’s BlueCare deductible plan, members get Preventive Care and Routine Wellness at 100%. This includes an annual gynecological exam and pap test, and annual mammogram for members age 35 and over, an annual prostate exam and prostate specific antigen (PSA) test for men 40 and over. Members pay no copay, no deductible and no coinsurance. You also receive a Supplemental Accident Coverage covering 100% of the first $750 of allowable charges, and a Hearing Discount Program.
If your group offers Anthem’s HealthKeepers, Inc. (HMO) – copayment plans, members get a $100 reduction to the per admission copayment for in-network hospital services, a Chiropractic benefit rider and a Hearing Discount program.
If your group offers Anthem’s HealthKeepers, Inc. (HMO) – coinsurance plans, members get a Chiropractic benefit rider and a Hearing Discount program.
Why do it?
By offering an Anthem Blue Cross and Blue Shield plan, you can enhance the benefits you receive with no additional premium costs.
How do I get more information?
Contact Patrick Martin or Seth Savoy with Manry Rawls Corporation at (804) 751-0600, your local agent or Suzanne Stewart, Associations Account Executive at Anthem Blue Cross and Blue Shield at (800) 248-4158 ext. 43952 or (804) 354-3952. They can help answer questions you might have regarding the special health insurance benefits available through the Home Builders Association of Virginia. If you already offer an Anthem plan, give them a call to find out how you can add these benefits to your plan at no additional cost.
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AFLAC®
AFLAC, a Fortune 500 Company, is a leading writer of voluntary insurance coverage marketed at the worksite in the United States, offering policies to employees at more than 270,000 payroll accounts.
An employer may provide medical insurance benefits, but these benefits will not cover such costs as deductibles, loss of earning power and other out-of-pocket expenses associated with an illness or accident. AFLAC’s policies are designed to pay cash benefits directly to you, unless you choose otherwise. These cash benefits can be used to help fill the gaps in your primary health care plan.
With AFLAC’s insurance policies, you choose the types of coverage you want and pay for them through the convenience of payroll deduction. And because your premiums can be paid on a pre-tax basis, you may save tax dollars or even be able to add benefits without affecting your take-home pay. Moreover, all of AFLAC’s policies pay benefits regardless of any other insurance you may have.
AFLAC's policies include:
Accident Protection w/Disability
Cancer
Dental
Hospital Confinement Indemnity
Hospital Confinement Sickness Indemnity
Hospital Intensive Care
Life
Long-Term Care
Short-Term Disability
For additional information please click here, www.richmondaflac.com to access AFLAC Richmond’s website or contact Dennis Krisnow and Elizabeth DeBold at (804) 752-0089 (or fax 752-0086.)
Posted: 25-Apr-2005
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YOUR NAHB MEMBERSHIP CAN TAKE
YOU FOR A GREAT RIDE.
SPECIAL PRICING. As the exclusive automotive partner of the National Association of Home Builders, GM is pleased to provide GM Supplier pricing to qualified NAHB members.
Purchase or lease a new 2004, 2005 or 2006 model year GM vehicle, and receive terrific savings reserved for our select corporate suppliers—on top of most current consumer incentives.
This program runs February 1, 20067 through January 2, 2008.
WIDEST VEHICLE SELECTION. With more than
80 models, GM offers the widest vehicle style selection of any manufacturer. And you’ll get GM Supplier pricing on many Chevrolet, Pontiac, Buick, Cadillac, GMC, Saturn, HUMMER(excludes H1) and Saab passenger cars, along with light-duty
trucks, vans and SUVs.
So whether you’re looking for a new
work vehicle or a luxury sedan, you’re sure to find a great deal at a local GM Dealer.
EASY TO SHOP. Visit gmfleet.com/nahb to review GM
Supplier pricing, plus current consumer incentives on vehicles equipped to your specifications .The pricing example on the left
demonstrates how this offer can add up to a great value.
NAHB MEMBERS/GM FLEET CUSTOMERS.
If you qualify as a GM Fleet Customer, you are eligible for the NAHB 2005 Business Partner Program2 in lieu of GM Supplier pricing. See your participating dealer for Fleet qualification
guidelines and vehicle eligibility.
GM SUPPLIER PRICING EXAMPLE
2005 Chevy Silverado 1500 Z71 Crew Cab Standard Box with available equipment
MSRP (sticker price on vehicle)$35,585.00
GM Supplier discount price
$31,635.37
Total NAHB member value: $3,949.63
PLUS: Combine with applicable current incentives
for an even greater value.
Posted: 25-Apr-2005
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Culpeper Carpet One
James Davis
15141 Montanus Dr.
Culpeper,VA 22701
540-825-2203
jdavis@rcleecarpetone.com
David M. Wolfford & Son, Inc.
David Wolfford
14115 Lovers Lane, S-400
Culpeper, VA 22701
540-829-1707
skip@wolffordelectric.com
Century 21 New Millennium
Herb Lisjak
5451 Old Alexandria Turnpike
Warrenton,VA 20187
540-349-1221
herb.lisjak@c21nm.com
Miles & Company, Inc.
Russell L. Miles
8912 Boulevard of The Generals
Spotsylavania,VA 22553
540-295-6404
russmiles@miles-company.com
Posted: 03-Jan-2005
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Join a PVBIA 2009 Committee
The Best Opportunity You Will Have to Support
Your Association Is to Participate on One or More of the Following Committees.
Please Help Shape the Future of the PVBIA!
Please Print
Name_____________________________________________
Company Name_____________________________________
Address__________________________________________
City_____________________________________________
State______ Zip_________________
Phone#___________________________________________
Fax#_____________________________________________
Email____________________________________________
Committee Chairman
1. Legislative- Walter Cheatle, Sr. Trigon Homes
This committee stays abreast of local issues that affect the building industry. They work with local government to try to bring about change that is satisfactory to members and the local government.
_____YES _____NO
2. Associate- Laura Newman- Newman Properties
Projects PVBIA’s image. Plans and organizes special meetings and social events and works closely with the Programs/Social Committee.
_____YES _____NO
3. Membership- Loretta Cummings/Williamsburg Environmental
Coordinates increasing membership through membership drives and works on retention of current members.
_____YES _____NO
4. Program/Social- Laura Newman/ Newman Properties
Coordinates programs for the monthly membership meetings and arranges speakers. Plans and organizes educational seminars. Delivers important educational news to the membership via the newsletter and website.
_____YES _____NO
5. Golf- Christy Swift
Mason Dixon Funding
This committee is responsible for the golf tournaments, including organization, operation, door prizes, and sponsors.
_____YES _____NO
6. Community Outreach- Carol Coleman/ Mason Dixon Funding
Organizes events that the PVBIA membership participates in to benefit the community. Responsible for annual school supply drive, Thanksgiving, and Christmas dinner donations.
_____YES _____NO
You may mail this form to:
PVBIA
P O Box 897
Culpeper, VA 22701
or contact the Committee Chairmen below.
JOIN A PVBIA COMMITTEE
2009 VOLUNTEERS NOW BEING ACCEPTED
Legislative Committee Chairman–
Walter Cheatle, Sr.
wcheatle@trigondev.com
Membership Committee Chairman–
Loretta Cummings
lcummings@wegnet.com
Golf Committee Chairman–
Christy Swift
cswift@masondixon.com
Program/Education Committee Chairman–
Laura Newman
Lnewman@Lnewmanproperties.com
Community Outreach Chairman-
Carol Coleman
ccoleman@masondixon.com
Be a part of something special.
Help shape the future of the PVBIA.
Posted: 17-Nov-2004
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