november 2012 northern kentucky builder

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November 2012 e Official Publication of the Home Builders Association of Northern Kentucky NORTHERN KENTUCKY WHAT’S THIS? Scan the QR code with your mobile device for additional content and relative information. Don’t have a QR code scanner? Search your Blackberry, iPhone, or Android app store for a free QR code scanner. www.HomeBuildersNKY.com www.facebook.com/HBANKY FIREPLACE TIPS FOR THE BURN SEASON Taking the time to check and service your fireplace and can help you to avoid frustration during the burn season.

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The official publication of the Home Builders Association of Northern Kentucky

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Page 1: November 2012 Northern Kentucky Builder

November 2012

The Official Publication of the Home Builders Association of Northern Kentucky

NORTHERN KENTUCKY

WHAT’S THIS? Scan

the QR code with your mobile

device for additional content

and relative information. Don’t

have a QR code scanner?

Search your Blackberry,

iPhone, or Android app store

for a free QR code scanner.

www.HomeBuildersNKY.com www.facebook.com/HBANKY

FireplAce Tips For THe BurN seAsoN

Taking the time to check and service your fireplace and can help you to avoid

frustration during the burn season.

Page 2: November 2012 Northern Kentucky Builder

3168 CRESCENT AVENUE, ERLANGER, KY 41018 • www.RJINSULATIoN.Com

Page 3: November 2012 Northern Kentucky Builder

November 2012

InsIde thIs edItIon...4 .................................................................... Membership Update

6 ...........................................................................Millennium Club

7 ................................................ 2012 Tour of Remodeled Homes

8 .................................................. Return of the Parade of Homes

10 ..................................................... Fireplace Burn Season Tips

12 ..............Forge Lumber Hosts Oktoberfest Mix and Mingle

17 ...................................................Winter Coninuing Education

15 ................................... Special Thanks to Our Tour Sponsors

16 ....How Lienholders Protect Themselves During Foreclosure

19 ............. Special Seminar at HBA - Year-End Tax Planning

for the Self Employed and Small Business Owner

26 ..................................Northern Kentucky Building Permits

27 ................................................................... Calendar of Events

save the date

More detaIls on Page 13

The Home Builders Association of Northern Kentucky is open to the world, visit our web site for up-to-date information on HBA services and programs, including extensive public referral directory to Registered Builders, Registered Remodelers and Associate Members.

www.HomeBuildersNKY.com

The mission of the Home Builders Association of Northern Kentucky is to promote and enhance the integrity and visibility of the construction industry and the members of the organization through advocacy, communication, education and political action.

The Northern Kentucky Home Product and Service Buyers’ Guide is a special edition of the Northern KY Builder. Northern Kentucky Builder™ is an official publication of the Home Builders Association of Northern Kentucky, 2751 Circleport Drive, Erlanger, Kentucky 41018. It is published in the interest of the Northern Kentucky building industry and read by home builders, remodelers, general contractors, developers, engineers, bankers, Realtors,® architects, material dealers, subcontractors and manufacturers. All rights reserved. Copying or reproduction without the expressed permission of the Home Builders Association of Northern Kentucky is strictly prohibited.

phone 859.331.9500 or fax 859.578.3393email [email protected]

2012 Board of DirectorsBill Butt, PresidentAdam Chaney, Vice PresidentJames Kegley, TreasurerJason Yeager, SecretaryBob Schroder, ChairmanRob AdamsRJ BrunnerDiana DeVoreWalt DunlevyMarty GrosserJoseph KramerDan MartinPat ParshallTom SpilleRoberta TannoDesiree Webster

Associate council representativeRoberta TannoDesiree WebsterWalt DunlevyDiana DeVoreMark Hubbard

land Development council representativeJoseph Kramer

sales & Marketing council representativePat Parshall

Women’s community Action council representativeLiz Sievers

HBA staffBrian A. Miller, Executive Vice PresidentJanis Beard, Membership DirectorMelanie Meyer, Director of Shows & Events, Sales & MarketingThomas Napier, Director of Professional DevelopmentMarsha Roudabush, Director of FinanceHolly Woodring, Administrative Coordinator

Holiday PartyInaugural Dinner&Friday, December 14th

Sponsored by Pella Windows and Doors.Inaugural Dinner back by popular demand! Two great events for the price of one!

3 Northern Kentucky BUILDER

Page 4: November 2012 Northern Kentucky Builder

neW MeMBers

New Member Orientation is not only for the new members who are recruited throughout the year, but also for members who have never attended a New Member Orientation. You would be amazed at the services and benefits the Home Builders Association provides their members that you may not even are aware of because you have not attended a New Member Orientation.

New Member Orientations are scheduled on the same day as our Member Mix & Mingles. The orientation is conducted at 3:30 pm at the Home Builders Association office and immediately following the orientation the Member Mix & Mingle is held at one of our member’s place of business. This is a FREE event!

MIssIng In aCtIon

If you do business with any of the missing members, please encourage them to get back in the action at the HBA!Addison TruckingHemsath ConstructionLawn StylesM/I HomesMG Custom BrickingPNC MortgageQuest Construction, LLCRalice Custom Framing & Art GalleryDavid Steffen ContractorsStonehouse Building ProductsTurner Builders

We are truly happy to have your support and membership. The following companies are once again members of HBANKY.

WelCoMe BaCk

Center Line HomesSteve Dawn Builder & SonsPGC, Inc.Ryle Fence Company

Above: Ron Scothorn, RBS Construction, LLC; Ed Stamper, Stampers Blinds Gallery and Ken Prost, Polaris Home Funding.

Right: Doug Wallin, Paul Davis Restoration; Andrew Cummins, Andrew Cummins Electric, Inc.; Diana DeVore, Ambassador, Guardian Savings Bank and Bob Arlinghaus, Bob Arlinghaus Construction.

neW MeMBers

Gale InsulationDave Slusser28 Kiesland CourtHamilton, Ohio 45015-1374513-94202914Business: Insulation Contractors

Welcome! We are truly happy to have your support and membership!

4 Northern Kentucky BUILDER

Page 5: November 2012 Northern Kentucky Builder

TUFF-N-DRI® Basement Waterproofing System, builders’ #1 Brand since 1997

Watchdog Waterproofing®, one of the top brands of foundation waterproofing for new construction

Enviro-Dri™ Weather-Resistant Barrier System, a more effective alternative to housewraps

All products are installed by Tremco Barrier Solutions Contracting Services, experts in the field of exterior moisture management systems.

Protecting Your Home with Barrier ScienceSM

Protect the exterior of your home, from footer to eave line

Contact me today for a no-obligation quotation

Todd [email protected]

c. 859.640.7964o. 513.825.8700

www.tremcobarriersolutions.com

Tremco Barrier Solutions products and systems protect your home from • Damaging moisture leaks • Energy-draining air leaks through exterior walls • Costly thermal loss

Fully-Adhered Weather-Resistant Barrier Stops Moisture, Seals Sheathing Systems

Foundation Waterproofing to Promote Dryer, More Comfortable Basements

TBS-AD-0003

Page 6: November 2012 Northern Kentucky Builder

All-Rite Ready MixArlinghaus Builders, LLC

Ash Insurance, C.K.Barnes, Denning & Co. Ltd

Bray Trucking, Inc.Cutter Construction, Inc.

Drees CompanyDudley Construction Co. Inc.

Ernst ConcreteFischer Homes

Florence Nursery & LandscapingFlorida Tile, Inc.

Forge Lumber, LLCFulcher-Rankin Insurance

Grant Co. /Gallatin Co. ConcreteKelly Bros. Lumber

Kentucky Federal Savings & LoanKentucky FluidAir, Inc.

L & N Federal Credit UnionLogan Lavelle Hunt Insurance Agency

Lonkard ConstructionLula’s for Lunch & More! Catering

M & W Excavation Co., Inc.Moellering Industries

Morris Heating & Cooling, LLCPatrick’s Custom Hardwood Flooring, Inc.

Rechtin Heating & Air Cond. Co., TomThelen Associates, Inc.

Tri-City Insurance Service, Inc.VonLehman & Company, Inc.

Wiseway Supply

The Millennium Club is an elite group of companies whose contribution pays for the refreshments and entertainment at

membership meetings and events like the Annual Golf Outing, Tabletop Night, and the Inaugural Luncheon.

MIllennIUM ClUB

6 Northern Kentucky BUILDER

Page 7: November 2012 Northern Kentucky Builder

ALL-RITE READY MIX

“Where Quality and Service Save You Time and Money”

Florence, Kentucky139 Aristocrat Dr.

(859) 371-3314

Aurora, Indiana10513 Morgans Branch Rd.

(812) 926-0920

Wilder, Kentucky108 Williams Way

(859) 572-9951

Harrison, Ohio7466 New Haven Rd.

(513) 738-1933

Port Union, Ohio5259 Rialto Road

(513) 860-5111

The 2012 Tour of Remodeled Homes was held on the weekend of October 6 & 7 from noon until 5:00 p.m. both days. The presenting sponsors were Kelly Brothers Home & Design Center and Pella Windows & Doors. Official sponsorship was

provided by Wiseway Design Showroom and First Security Trust Bank. The Preview Party was sponsored and made possible by Floor Coverings International, Gangsters Dueling Piano Bar, and Diana DeVore of Guardian Savings Bank. Discount tickets were sold at all Kentucky and Ohio stores by Remke/Biggs.

This is one of two events during the year that the Northern Kentucky and the Greater Cincinnati HBA’s partner together. There were 13 homes scattered throughout Northern Kentucky and 5 projects in the Cincinnati area. All 18 remodel displays were true representations of the skill and talent involved in our professional remodelers.

One of the most exciting features added to the 2012 Tour was the first ever Preview Party. The Friday before the show, remodelers, homeowners, sponsors, vendors and HBA members from both sides of the river met at Gangsters Dueling Piano Bar in Newport Kentucky. All enjoyed great food and drinks provided by the party sponsors.

From back patio enhancements, room additions, a club house banquet hall overhaul to complete exterior transformations, each stop on the tour provided innovative ideas for the growing trends in remodeling. This year’s tour offered an interactive map that provided not only directions from project to project but also offered direct links to the remodelers contact information. This map and information is posted on the HBANKY’s website at www.hbanky.com.

The 18 projects for 2012 will hopefully catapult us to an even larger number of entries next year. The participating remodelers received many positive comments about the show which they shared during the wrap up meeting held at the HBANKY event center. Bill Butt, president of the HBANKY, and owner of Bill’s Remodeling & Electric commented,

“My ToRH project this year was a direct result of shows from past years. The home owners told me that they had visited two of my past projects and liked what they saw. You sometimes don’t get immediate pay back but this has happened before where past visitors come around in a few years.” The benefits of the homeowners are rewarding as well.

Distributor discounts are at times the deciding factor to attract a homeowner to participate in the show. When a remodeler comes to a supplier and mentions the Tour, the discounts they offer are often what make it possible to have the “WOW” factor for the homeowner’s project.

Thanks to our sponsors for their continued support and thanks to all the participating remodelers for their efforts in the success of the Tour. Our sponsors allow HBANKY to produce one of the most successful TORH’s in the state. See thank you on page 15.

2012 Tour of Remodeled Homes

2012 People’s Choice Award Winning Project, T & J Home Specialist

7 Northern Kentucky BUILDER

Page 8: November 2012 Northern Kentucky Builder

Building More in 2013!

Page 9: November 2012 Northern Kentucky Builder

return of the parade of Homes Announced!

HBA’s Parade of Homes is Back in 2013 at Saylor Woods Subdivision in Inde-pendence, Kentucky. The perfect storm is coming….. so don’t miss the boat!

2013 Parade of Homes Now is the time to build a new home

Perfect storm of benefitso Interest rates

o Discounted lots

o Supplier discounts

o Builder upgrades

o Great neighborhood, schools, church, daycare, updates on roads

o No HOA fees

The 2013 Parade of Homes at Saylor Woods quite possibly could be the single most

attractive buying opportunity for new home buyers in our lifetimes! The stars have aligned to create a perfect storm of benefits that include:

Discount Lot Pricing

Historically Low Interest Rates

Builder Incentives

Vendor Discounts

Zero Homeowner’s Association Fees

Zero City Taxes

Special Financing Opportunities

The HBA has embarked on a pre-sale marketing effort to educate the buying public so they don’t miss the boat. And our participating builders have battened down the hatches to prepare for the flood of new prospective buyers. Time is running out to jump aboard, so if you are a Registered Builder interested in participating, or a member looking to take advantage of multiple sponsorship opportunities please contact Melanie Meyer at 859-331-9500.

WELCOME TO SAYLOR WOODS Terrace Holdings, the Developer of Saylor Woods Subdivision is proud to host the 2013 Parade

of Homes and welcomes these participating Builders: Drees Homes, Potterhill Homes, Adam Miller Homes, Schmidt Construction, B.O.L.D Homes and Arlinghaus Builders.

Saylor Woods offers new home buyers a variety of large lots in a private wooded setting, and surrounds a public pocket park that is perfect for growing families. Located just off Kleete Road in Kenton County, this quiet community is close to shopping, schools, restaurants and interstate access via the newly reconstructed Taylor Mill Road. For more information about this community or to contact any of the six participating builders please visit www.terraceholdings.com/saylor_woods.php.

2013 HBA PARADE OF HOMES SHOW SITE - SAYLOR WOODS

9 Northern Kentucky BUILDER

Page 10: November 2012 Northern Kentucky Builder

CLEANING AND MAINTENANCE - If your fireplace has louvers or grills on the front, it is a “circulating” fireplace, which means it is designed to circulate room air around the

combustion area. This is true of both gas and wood fireplaces. Any home, but particularly a home with pets, will gather dust in areas that are not vacuumed regularly. Circulating fireplaces, especially those with fans or blower kits, will attract whatever is in the air – including dust - into that area. Using a shop vacuum or the hose extension on your vacuum to clean the area in front and behind the louvers or grills will help prevent dust from accumulating and keep the fan working properly.

Masonry fireplace chimneys, as well as manufactured fireplace chimneys must be swept regularly. If you use your fireplace frequently, your chimney should be swept once a year, perhaps more if you use unseasoned, “soft” wood, like pine, in your fireplace instead of seasoned hardwoods like oak or hickory.

If your fireplace has a remote control, remember to change the batteries in the transmitter (handheld) and the receiver, which is probably hidden in your fireplace somewhere (some receivers are 110v, without batteries, but they are not as common). If the batteries in your remote control are unusual, try your local drug store for a replacement

- they tend to keep a variety of unusual small batteries for hearing aids and other medical devices.

Electric fireplaces do not require heavy maintenance, but Fall is a good time to replace all of the light bulbs to avoid a burnout in the middle of fireplace season.

CRACK REPAIR - Most manufactured wood burning fireplaces have refractory firebrick panels in the sides and bottom to simulate the appearance of brick. These panels are generally ¾” thick or thicker and protect the sheet metal behind from the high heat of a roaring fire. Small cracks are possible, even in brand new firebrick panels, and these cracks are normal and safe, but large cracks – larger than ¼” wide – must be repaired or the panel should be replaced. Many manufacturers have replacement panels available to match your existing panels.

PILOT LIGHT MAINTENANCE - There are different types of gas fireplaces, and the guidelines for servicing are somewhat different for each type. If your model has a standing pilot - that is, a pilot light that stays on all of the time - then it is very important to regularly service the pilot assembly. Some units have pilots that are on only when the unit is burning, others use electronic ignition to light the burner directly without a pilot system; these will not need to be serviced as often.

HElPfUl TIPS fOR THE fIREPlACE BURN SEASON

10 Northern Kentucky BUILDER

Page 11: November 2012 Northern Kentucky Builder

With Fall season upon us, it is time to think about servicing your indoor and outdoor fireplaces. Typically, homeowners do not consider servicing their fireplace until issues arise. Taking the time to check your fireplace and schedule a service call with Reading Rocks’ experienced technicians can help you to avoid frustration during the burn season.

For the last two decades, all unvented gas fireplaces and gas logs have required an Oxygen Depletion Sensor Pilot assembly which monitors safe operation of the appliance. This assembly should be cleaned every year to prevent the system from becoming over-sensitive and causing nuisance shutdowns. It is important to clear the accumulation of sediment in the tiny pilot orifice (where the gas originates). A can of compressed air – like those used for keyboard cleaning – may be used with the included straw to direct air toward the orifice and clear it (this must be done while the pilot is OFF). If the pilot assembly is at least five years old or if you live close to salt water, this may not be effective you should consult a professional.

UNVENTED AND VENTED FIREPLACES - Unvented logs are designed to burn cleanly, so if you find soot (black) deposits on your logs, stop using them immediately and make sure your logs and/or burner are set up correctly. If you are not absolutely certain that everything is correct, please stop using your fireplace until a professional technician can fix the situation.

Vented gas logs should be cleaned regularly if there is any accumulation of soot; there are commercially available spray log cleaners for homeowners to use. Other fireplaces and gas logs need cleaning, too, but perhaps not as often, depending on how much they are used.

Direct vent gas fireplaces have a fixed glass panels that require annual cleaning to stay clear. If the glass collects a black residue (soot), the fireplace should be adjusted to burn more cleanly. If the glass has a gray or white film, this is completely normal as there are chemicals in the gas which produce the residue. Do not use glass cleaners containing ammonia to clean your glass. Water and a soft cloth will usually suffice, and adding a little vinegar to the water should help. Tough deposits may require special fireplace glass cleaner. Be sure to dry your glass completely and check for streaks and fingerprints before re-installing the glass.

With a little attention to your fireplace now, you’ll be able to enjoy a trouble free burn season and get the most from your investment. Whether you have a wood, gas or electric fireplace, Reading Rock’s trained professionals can provide exceptional in-home service, as well as answer all of your fireplace questions. Reading Rock’s Fireside Hearth & Home selection center is the area’s leading supplier, installer and service provider of fireplaces.

Contact Reading Rock Fireside Hearth & Home at 859.594.4770 or visit our fireplace selection centers at 7025 Burlington Pike, Florence, KY 41042 or 10025 Princeton Glendale Road, Cincinnati, OH 45246.

BUILDING MATERIALS & SERVICES

11 Northern Kentucky BUILDER

Page 12: November 2012 Northern Kentucky Builder

fORGE lUmBER HOST OKTOBERfEST mIx & mINGlE

Forge opened their showroom and mill to HBA members at the recent Oktoberfest Mix & Mingle. Once again the Oktoberfest bier, sauerkraut, bretzeln were a big hit! A

working mill also drew a crowd. The Spring Mix & Mingle will be held in March 2013. If you are interested in hosting a Mix & Mingle at your place of business, contact Janis Beard at 859-331-9500.

12 Northern Kentucky BUILDER

Page 13: November 2012 Northern Kentucky Builder

Holiday PartyInaugural Dinner&

Friday, December 14th

ATNEWPORT SYNDICATE

18 E. 5TH STREET, NEWPORT KY

Past Presidents recePtion - 5:00 Pmsocial Hour - 5:30 Pm

dinner & installation - 6:30 PmHoliday Party - 8:30 - 11:00 Pm

$75 Per PersonTables of 10 Avilable for Only $700

Reservations Please by Friday December 7th859-331-9500 or [email protected]

Sponsored by Pella Windows and Doors.Inaugural Dinner back by popular demand! Two great events for the price of one!

Page 14: November 2012 Northern Kentucky Builder

WINTER 2012 CONTINUING EDUCATION Schedule your Professional Development Today! Space is limited!

NOVeMBeR November 1st: estimation 1; Plans, Specifics, Scope, 10 am 12 pm, $25

November 6th: AGC Compliant Workplace Safety, 10 am 12 pm, $75

November 7th: BPI CeU Class; Moisture Control, 12 pm – 2pm, $50

November 8th: Historical Districts; Codes, Maintenance & Resources, 10 am – 12 pm, $25

November 13th: Lunch & Learn - 10 Things We Can Learn About Social Media from

the Kardashians 12pm-1:30pm HBA

November 13th: estimation 2; Blueprints and Quality Survey, 4pm – 6pm, $25

November 14th: A Practical Review of NeC Updates, 3pm – 5pm, $25

November 15th: How to Market energy efficiency, 12 pm – 2pm, $25

November 20th: AGC Compliant Workplace Safety, 3pm – 5pm, $75

November 28th: Practical Accounting for the Small Business, 3pm 5pm, $25

DeCeMBeR December 3rd: Historical Districts; Codes, Maintenance & Resources, 10 am – 12 pm, $25

December 4th: AGC Compliant Workplace Safety, 10 am 12pm, $100

December 5th: energy efficient Retrofits, 12 pm – 2pm, $25

December 6th : estimation 3; Pricing a Job, 3pm – 5pm, $25

December 10th: BPI CeU Class; Moisture Control, 2pm 4pm, $25

December 11th: AGC Compliant CPR, 10 am – 12 pm, $75

December 12th: Sales and Marketing, 10 am – 12 pm, $25

December 13th: AGC Compliant Workplace Safety, 3pm – 5pm, $100

*The Deadline for AGC Courses to be completed is October 31st!

Call (859) 3319500 to register for a class or visit www.hbanky.com

14 Northern Kentucky BUILDER14 Northern Kentucky BUILDER

Page 15: November 2012 Northern Kentucky Builder

WE FOCUS ON THE INSURANCE AND FINANCIAL NEEDS OF YOUR

BUILDING INDUSTRYLLH has been providing insurance and financial services to Kentucky’s building industry for over 50 years. Today, with all the challenges your business faces, it’s a good time to talk with us to create a plan that will put your company’s insurance, benefits and

wealth management programs in order.

www.LLHins.com

toll free (888) 499-6880 find us on

Endorsed By

Thank you

to our

2012SponSorS

Presented by

Sponsored by

15 Northern Kentucky BUILDER

Page 16: November 2012 Northern Kentucky Builder

Pella Impervia Dual-Color Option NOW AVAILABLe!

Neither wind nor rain nor sleet or snow stops determined mail carriers. Nor do those elements and other climate extremes phase Pella Corporation’s energy-efficient Pella Impervia line, expanding in the Summer of 2011 to include White interior option for all units.

Pella Impervia windows and patio doors offer more style and design flexibility for your customers. With the new dual-color option, Pella Impervia products can have a White interior with the choice of White, Tan or Brown exterior.

Pella Impervia windows and patio doors arrive pre-finished with a powder-coat paint finish on both interior and exterior. This durable finish stays looking great for years with little care.

“We’re pleased to offer more innovative solutions to builders and homeowners living in areas where a stronger, more durable window is a must,” said Duane Putz, director of sales and marketing for Pella Impervia. “This product is made for hot, cold, wet or windy climates and now it’s available in more styles.”

Pella Impervia can withstand the forces of Mother Nature without cracking, shrinking or warping in extreme weather conditions. The sleek-profiled innovative products made from Duracast®, the strongest most durable material in windows and doors, are virtually maintenance-free and well-suited to today’s busy lifestyles and balanced budgets for home and business owners.* Builders, remodelers and homeowners may choose from convenient factory prefinished brown, white or tan color options and now have a White interior!

For more information, please contact your local Pella representative or call 513-936-5240.

What’s New with Pella

16 Northern Kentucky BUILDER

Page 17: November 2012 Northern Kentucky Builder

Chain of Custody Certified to supplyFSC© lumber for your LEED© projects.

Now it’s easy being green.All your lumber needs

• Roof Trusses/Wall panels• Andersen Window® Circle

of Excellence Dealer• Pressure Treated and Fire Retardant

Treated Lumber and Plywood

Complete construction services• Supplying framing and trim crews

for your projectsCustom mill

Forge Lumber. Committed to makingcustomers and trees very happy.

www.forgelumber.com

Forge QueensgateCincinnati, OH513.541.3800

Forge ErlangerErlanger, KY859.341.7025

SMB-061_NKYBuilerAd10_f:SMB-038_NKYBuilerAd08 12/15/10 10:09 AM Page 1

When a plaintiff in a foreclosure action files a lawsuit against the property owners they must name all parties who may have an interest in the property.

If you have a valid mechanic’s lien or judgment lien against the property owner in the county where the property is located, then you should be served with a copy of the foreclosure complaint.

The property owners are typically the first defendants listed in the caption of the foreclosure complaint. All valid lien holders

are also named as defendants in the foreclosure case by virtue of their respective lien interests in the property. You are named as a defendant so your interest in the property can be resolved and clear title passed to the purchaser if the property is transferred through a judicial sale.

When you are served with the foreclosure complaint you should contact your attorney immediately. To preserve your lien rights in the foreclosure action you must file an answer to the complaint. Generally, in Kentucky an answer must be filed within 20 days of the date you were served with the complaint and in Ohio an answer must be filed within 28 days of the date you were served. Your attorney can further assist you with preparing and filing an answer.

It is necessary that you file an answer to the complaint if you want your lien rights protected. If you do nothing after you are served with the complaint, then you will be in default. The plaintiff will likely file a motion with the court requesting a default judgment to be entered against you and any other defaulting defendants. If the default judgment is entered against you, your interest in the property by way of the lien will be disregarded.

Filing an answer does not guarantee you will be paid out of any proceeds of a foreclosure sale. Many factors can affect whether you will receive payment for the sums you are owed under the lien even after an answer has been filed. These factors include, but are not limited to, what amount is owed to the bank on the note and mortgage, whether there are any lienholders who filed liens before you, whether there are delinquent tax bills on the property and the value of the property which naturally determines the amount of money to be distributed to the lienholders. However, filing an answer to the foreclosure complaint is generally the only way to protect your lien rights and have the possibility of getting paid out of the proceeds of a sale when a property is in foreclosure.

lIENS AND fOREClOSURE: HOW A lIENHOlDER CAN PROTECT ITS INTEREST IN PROPERTY DURING fOREClOSUREWritten by Megan Maxfield

Page 18: November 2012 Northern Kentucky Builder

859-630-9995 www.crucuttersllc.com

Your Full Service Landscape Design,

Building, and Maintenance Firm

Here for all of Your Landscape Needs

Page 19: November 2012 Northern Kentucky Builder

2012 Year-end Tax Planning for Self-employed and Small Business Owners

Topics covered:a. Business Entity - Sole Proprietors, Partnerships, Corporations, S- Corporations, Limited Liability Company (LLC) Why one over the other b. Business Start-up, Costs, and checklists for changing structures and ownershipc. Small Business Health Care Incentives and Responsibility for 2013.

DON’T Be CAUGHT UNAWARe! Wednesday the 6th of December from 4 – 6pmTuesday the 4th of December from 1– 3pmRegister online or call 859-331-9500 to register today! Space is limited and classes will be closed once the maximum is reached.

SPECIAl EvENTAT THE HBA

Creative Concepts Advertising Publishers Of Kentuckiana’s Family Savings Magazine 1259 Cross Keys Rd. ı Shelbyville, KY 40065 ı (502) 647-0078

DAVE HARNOISMobile: (502) 777-8316 ı Email: [email protected]

With coupon. Prior sales excluded. Not valid with other offers.

Expires 01-31-11 ı Code: FSM1210

With coupon. Valid at initial consultation only. Prior sales excluded. Not valid with Expires 01-31-11 ı Code: FSM1210

WIN FREE GUTTERS* for your home at www.guttermagician.com

*Complete contest rules available online.

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Creative Concepts Advertising Publishers Of Kentuckiana’s Family Savings Magazine 1259 Cross Keys Rd. ı Shelbyville, KY 40065 ı (502) 647-0078

DAVE HARNOISMobile: (502) 777-8316 ı Email: [email protected]

With coupon. Prior sales excluded. Not valid with other offers.

Expires 01-31-11 ı Code: FSM1210

With coupon. Valid at initial consultation only. Prior sales excluded. Not valid with Expires 01-31-11 ı Code: FSM1210

WIN FREE GUTTERS* for your home at www.guttermagician.com

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www.GutterMagicianNKY.comExpires 01-31-13 Expires 01-31-13

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19 Northern Kentucky BUILDER

Page 20: November 2012 Northern Kentucky Builder

Business • Bonds • Personal • Life • Health

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P.O Box 6085 • 8620 U.S. 42Florence, KY 41022

Office (859) 384-5200Fax (859) 384-5207

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9522 Alexandria PikeAlexandria, KY859-635-4157

Email: [email protected] • Fax: 859-635-REIS

Rt. 2 269 AA US 27Falmouth, KY859-654-6400

Residential and Commercial FencingWe Offer Chain Link, Aluminum, Wood and PVC. Fencing for All Your Needs!

Certified STIHL Dealer and Small Engine RepairWe Offer Sales and Service with a VERY QUICK Turnaround to Meet Your Timeframe

Animal Feed & Seed and Ferti-Lome DealerWe Offer Bedding and What Your Animals Like Best - FEED! Diamond and BlackGold Pet Food Dealer.

CALL TODAY FOR YOUR PRICING & SPECIALS (859) 356-2217

HBA Members get 10% off when you bring in this adServing You

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20 Northern Kentucky BUILDER

Page 21: November 2012 Northern Kentucky Builder

Since 1946, VonLehman has been a forward-thinking CPA and advisory firm – grounded in reality but focused on thefuture. True to our long-standing commitment to building a stronger region, we have unrivaled expertise in constructionand real estate development. VonLehman builds partnerships with its clients within the construction sector. We understandthe ups and downs of the industry, and assist our clients in building a healthy bottom-line in every scenario, every economy.VonLehman, moving forward with you.

VonLehman & Company Inc. vlcpa.com Cincinnati, OH 513.891.5911 Northern Kentucky 859.331.3300

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Call the industry experts in wine storage for your next basement or remodel project.• Large variety of wine racks, wine cabinets available • Free design and consultation • Proudly designing and manufacturing quality wine racks for 25 years

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( 8 0 0 ) 2 2 9 - 9 8 1 3

lABOR POOl

We are preparing the workforce of tomorrow! As your business starts to pick up and you find yourselves

looking for employees CALL US FIRST. We are training the future builders,

remodelers, electricians, carpenters and HVAC

technicians of tomorrow so take advantage of our services.

We have students ready to help serve your needs. We can help custom fit your needs as well; from experienced well seasoned personnel to the

novice helpers.

Call Thomas Napier, PhD, Director of Professional Development

at the HBA (859) 331-9500

21 Northern Kentucky BUILDER

Page 22: November 2012 Northern Kentucky Builder

BREWER ROOFING & CONSTRUCTION, INC. 109 Foote Ave. Bellevue, Ky 41073

859-261-3444 Cell: 859-801-1333

EMAIL: [email protected]

Certified installers of the revolutionary Topps® Products; laboratory tested for optimum leak prevention, roof protection,

and energy savings

Page 23: November 2012 Northern Kentucky Builder

“Your supermarket for concrete

accessories and masonry equipment”™

Thank you contractors, building owners and greater community for the opportunity to serve you.

Service, service and more service. That is the Janell mantra.

Cincinnati6130 Cornell Rd.Cincinnati, OH 45242P: (513) 489-9111

Dayton800 East 1st St.Dayton, OH 45402P: (937) 866-9111

Erlanger2930 Crescent Springs Rd.Erlanger, KY 41018P: (859) 341-9111

Cincinnati4686 Paddock Rd.Cincinnati, OH 45229P: (513) 651-9111

Columbus831 Harmon Ave.Columbus, OH 43223P: (614) 224-9111

Lexington970 New Circle Rd.Lexington, KY 40511P: (859) 254-9111

www.janell.com

Buy The Best

“ConcretelyYours™”

Concrete formsConcrete chutesSilt fencingMortar MixersConcrete BuggiesFormwork drafting services

Cures & SealersChemicalsGroutsHand ToolsPower ToolsPourform plywood

PolyfilmConcrete blanketsStakesWall tiesSafety gearExpansion joint

CaulksDecorative Concrete SuppliesDecorative Concrete StampsMasonry Supplies

Page 24: November 2012 Northern Kentucky Builder

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

8.5x5.5 1/13/10 12:32 PM Page 1

The 2013 SIte is The Equestrian, in Triple Crown Country Club.

Don’t miss your opportunity to participate, July 13-28. There are still lots available. Contact the HBA todayat 859-331-9500.

2013

Page 25: November 2012 Northern Kentucky Builder

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Mention this ad and receive20% off your lighting purchase

7714 Voice of America West Chester, OH 45069 513.777.12116920 Dixie Highway Florence, KY 41042 859.282.6400

www.lightingefx.com

Page 26: November 2012 Northern Kentucky Builder

SePTeMBeR ‘12 SINGLe FAMILY # MODULAR

HOMeS # MULTI FAMILY # CONDOS # COMMeRCIAL # COMMeRCIAL

ReMODeLING # ReSIDeNTIAL ReMODeLING

BoonE 11 $1,481,678 7 300000 6 $598,000 3 22582000 35 3263383 50 616664

CAMpBELL 11 $1,499,064 3 $27,500 23 $464,143

KEnTon 7 $1,762,066 9 606722 1 $500,000 13 $14,219,300 17 $244,092

GrAnT 1 $260,000 2 $120,000 2 $36,000

CArroLLTon

GALLATIn

MASon

oWEn

ToTAL 30 5002808 16 906722 6 598000 4 23082000 53 17630183 92 1360899

SePTeMBeR ‘11 SINGLe FAMILY # MODULAR

HOMeS # MULTI FAMILY # CONDOS # COMMeRCIAL # COMMeRCIAL

ReMODeLING # ReSIDeNTIAL ReMODeLING

BoonE 27 $3,798,074 5 $376,665 46 $11,064,989 83 $1,326,928

CAMpBELL 7 $1,161,361 8 $900,000 1 $475,000 5 $646,517 29 $596,533

KEnTon 13 $1,720,667 12 $4,387,350 34 $629,136

GrAnT 1 $335,000 1 $207,000 9 $208,600

CArroLLTon

GALLATIn

MASon 1 $130,000 1 $100,000 4 $125,500

oWEn

ToTAL 49 $7,145,102 13 $1,276,665 1 $475,000 65 $16,405,856 159 $2,886,697

JAn-SEpT. '11 514 $77,501,754 5 $251,000 183 $13,557,924 139 $12,510,009 17 $43,338,833 682 $134,182,463 1,103 $19,242,294

JAn-SEpT. '12 547 $84,753,100 1 $150,000 170 $11,238,922 24 $4,024,291 58 $53,732,652 637 $106,256,923 1,038 $25,036,613

northern kentUCky BUIldIng PerMIts

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

8.5x5.5 1/13/10 12:32 PM Page 1

BUILD OPPORTUNITYInternational Builders ShowJanuary 22-24, 2013 • Las Vegas

www.BuildersShow.com

26 Northern Kentucky BUILDER

Page 27: November 2012 Northern Kentucky Builder

SePTeMBeR ‘12 SINGLe FAMILY # MODULAR

HOMeS # MULTI FAMILY # CONDOS # COMMeRCIAL # COMMeRCIAL

ReMODeLING # ReSIDeNTIAL ReMODeLING

BoonE 11 $1,481,678 7 300000 6 $598,000 3 22582000 35 3263383 50 616664

CAMpBELL 11 $1,499,064 3 $27,500 23 $464,143

KEnTon 7 $1,762,066 9 606722 1 $500,000 13 $14,219,300 17 $244,092

GrAnT 1 $260,000 2 $120,000 2 $36,000

CArroLLTon

GALLATIn

MASon

oWEn

ToTAL 30 5002808 16 906722 6 598000 4 23082000 53 17630183 92 1360899

SePTeMBeR ‘11 SINGLe FAMILY # MODULAR

HOMeS # MULTI FAMILY # CONDOS # COMMeRCIAL # COMMeRCIAL

ReMODeLING # ReSIDeNTIAL ReMODeLING

BoonE 27 $3,798,074 5 $376,665 46 $11,064,989 83 $1,326,928

CAMpBELL 7 $1,161,361 8 $900,000 1 $475,000 5 $646,517 29 $596,533

KEnTon 13 $1,720,667 12 $4,387,350 34 $629,136

GrAnT 1 $335,000 1 $207,000 9 $208,600

CArroLLTon

GALLATIn

MASon 1 $130,000 1 $100,000 4 $125,500

oWEn

ToTAL 49 $7,145,102 13 $1,276,665 1 $475,000 65 $16,405,856 159 $2,886,697

JAn-SEpT. '11 514 $77,501,754 5 $251,000 183 $13,557,924 139 $12,510,009 17 $43,338,833 682 $134,182,463 1,103 $19,242,294

JAn-SEpT. '12 547 $84,753,100 1 $150,000 170 $11,238,922 24 $4,024,291 58 $53,732,652 637 $106,256,923 1,038 $25,036,613

december

november

BUsIness MeetIngs at a glanCe / Call 331-9500 for reservatIons or to ConfIrM dates

sunday monday tuesday wednesday thursday friday saturday

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Associate Board of Governors, 12 pm, HBA

BPI CEU Class; Moisture Control, 12 pm-2 pm, HBA

AGC Compliant Workplace, Safety 10 am-12 pm, HBA

SMC Board of Governors Meeting, 12:00 pm, HBA

Lunch & Learn - Social Me-dia, 12pm-1:30pm HBA

Estimation 2, 4pm-6pm, HBA

Membership/Retention Committee, 11:30 am, HBA

How to Market Energy Ef-ficiency, 12pm-2pm, HBA

Executive Committee, 1:30 pm, HBA

Board of Directors,3:30 pm, HBA

Executive Committee, 1:30 pm, HBA

Board of Directors,3:30 pm, HBA

THAnkSGIvInG HoLIDAy – offICE CLoSED

Ambassador Club, 12pm, HBA

LDC Board of Governors 11am, LDC Luncheon,

12pm, HBA

LDC Board of Governors 11am, LDC Luncheon,

12pm, HBA

new year’s Day

note: there will not be an Executive & Board Meeting in

December.

State & Local Government Committee, 12pm-1pm, HBA

Historical Districts, 10am-12pm HBA

BPI CEU Class; Moisture Control, 2pm-4pm, HBA

AGC Compliant CPR, 10am-12pm, HBA

Sales & Marketing,10am-12pm, HBA

AGC Compliant Workplace Safety, 3pm-5pm, HBA

HBA Inaugural Dinner & Holiday Party ,5pm-11pm,

newport Syndicate

AGC Compliant Workplace Safety, 10am-12pm, HBA

Energy Efficient Retrofits, 12pm-2pm, HBA

Remodelers Issues’ Committee, 12pm-1pm, HBA

Estimation 3, 3pm-5pm, HBA

Practical Accounting for the Small Business,

3pm-5pm, HBA

AGC Compliant Workplace Safety, 3pm-5pm, HBA

Remodelers Issues,12pm, HBA

Historical Districts, 10 am-12 pm, HBA

Cavalcade Meeting, 3:30pm-5pm, HBA

Estimation 1, 10am-12pm, HBA

Remodelers’ Issues Committee, 12pm-1pm, HBA

fall Membership Drive, 1pm-3pm, HBA

CHRISTMAS HoLIDAy – offICE CLoSED

27 Northern Kentucky BUILDER

Page 28: November 2012 Northern Kentucky Builder

ADDRESS SERVICE REQUESTED2751 Circleport Drive

erlanger, Kentucky 41018

PRSRT STD US POSTAGE

PAIDCINCINANTI OH PERMIT 5400

Erlanger1325 Donaldson Road Suite 2BErlanger, KY 41018859.282.5400

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