View entire newsletter - Bristol Norfolk Home Builders Association, Inc.

December 2007
The official newsletter of the
Bristol Norfolk Home Builders Association, Inc.
"Networking Night"
A Grand Success !
Risk Management: Workers
Compensation Enforcement
The Bristol Norfolk Home Builders Association, Inc. General
Membership Meeting of October 30, 2007 was the setting for housing professionals to learn about the impact of Massachusetts Workers Compensation enforcement and the new Massachusetts Health
Insurance Reform Act. Christine Zuendt, BNHBA member, and
Program Committee member, from Mason & Mason Insurance
Agency, Inc., arranged the evening’s program. Mr. Tom Messier,
CIC, from Mason & Mason Insurance Agency, Inc., delivered a
Power Point presentation that immediately captured everybody’s
attention.
Continued on page 8
OSHA 10 HOUR
SAFETY CERTIFICATION
CLASS UPDATE
We have been informed that the Massachusetts Department
of Labor, Division of Occupational Safety will not be conducting the OSHA 10 Hours Safety Certification class with
BNHBA as had been planned.
This class will be conducted for free at some location and
date that will be determined by the Division of Occupational
Safety. Visit their web site for details: http://www.mass.gov/
dos/training/index.htm
Ferguson/Daddario extended a warm welcome to BNHBA
members as they arrived for Networking Night.
Ferguson/J D Daddario, Stock Building Supply and Bristol Norfolk
Home Builders Association, Inc. members, partnered on October
17, 2007 for a spectacular “Networking Night.” Hostesses served
delicious foods, refreshing beverages aplenty and an abundance of
camaraderie made for a perfect gathering of housing professionals
in the palatial Ferguson/J D Daddario Showroom.
Build
with
Continued on page 5
Ask about our
Builder Specials!
Heating & Cooling
508-252-3359
www.propaneplus.com
Specializing in
Underground Tank Installations
Message From
The Editor
A Publication of the
Bristol Norfolk Home Builders Association, Inc.
Merry Christmas to all. Happy Hanukkah to all. Happy Kwanzaa
to all. Happy Holidays to all. Hopefully that will cover the issues of
the Politically Correct Police.
Can you believe that the folks in Cambridge, MA ordered the Boys
Scouts Of America local troop members to remove collection boxes
at the polling stations in Cambridge? These boxes were placed at
the polling stations to collect toiletry articles to be sent to U.S. military troops in combat zones in Afghanistan and Iraq. Regardless
of your position on the war in Iraq, how can you deny this effort
to help people who are in harms way? One wonders if the folks in
Cambridge would react the same way to a collection to aid some
little known spider located on the edge of existence. What kind of
society have we developed?
‘Tis the season to be jolly. Actually, it is very difficult to find a lot
of things about which to be jolly, if we only focus on events like the
recent one in Cambridge.
Sometimes we must take inventory and really count our blessings.
Is it difficult to find joy in helping to make a young stroke victim’s
life a little easier as several members of BNHBA recently did? Each
of these members of Bristol Norfolk Home Builders Association,
who helped provide easier access to Laurel Fontaine’s home, will
tell you it was true joy. Do we not all feel just a little better when
we contribute a small toy to the U.S. Marines “Toys For Tots?”
Can’t each of us dig just a little deeper to help the Salvation Army
Kettle Crew as they try to help families in great need? How would
each of us feel if our children were hungry? Can we not find a small
amount to help “Feed The Children?” Would we not each feel a
little better if we sent a short, up-lifting note to a GI who is “in the
trenches” enduring hardship on our behalf? What a gift of life we
could give by donating a pint of blood. How would that make each
of us feel, knowing that our gift might save some loved-one’s life? If
we knocked on the door of some elderly or infirmed neighbor just
to smile and say hello, wouldn’t that gift of friendship be a joy we
would cherish forever-especially if we did it throughout the year?
Wouldn’t each of us feel better if we could help some distraught
teenager find a solution to whatever that teen’s problem might be?
All we have to do is listen as the teen sorts it out-and then offer to
be there if we are needed again. Would we not enjoy the winter just
a little more if we knew that we contributed to help heat some poor
soul’s home/apartment/room? Maybe we would feel a lot better if
we donated some good winter clothing to the Morgan Memorial.
continued on page 8
Page 2
Officers
President
Builder V.P.
Associate V.P.
Treasurer
Clerk
Alden L. Hurder, Jr.
Donald J. Bryan
Lawrence Pitman
Charles P. Magri
Richard W. Gagnon
Executive Officer Ronald F. Costello
Directors
Brian E. Dunn (Immediate Past President)
Donald A. Baker
Jason J. Delgado
Thomas M. George
Kelli J.H. Kassor
Michael McDole
Austin W. McHoul, Esq.
Gregory P. Spier
William D. Ward, Jr.
National Directors
Robert Cole
Charles P. Magri
65 Neponset Avenue, Suite 3
Foxborough, MA 02035-2038
508.543.2419
508.543.2412 – Fax
[email protected]
www.bnhba.com
Information Disclaimer - The information contained in this newsletter
is intended to inform and not advise. All references to or summaries of
any federal, state or local law, regulation or code are provided by the
Bristol Norfolk Homers Association as a convenience to the reader and
are not intended to be legal advice and should not be relied upon as legal
advice. Legal advice may only be given by an individual duly licensed
to practice law in the Commonwealth of Massachusetts. Persons seeking
legal advice on buying, selling, renting or building a home, or any aspect
of home construction or residential development are encourage to contact
an attorney.
ADVERTISING - While the Bristol Norfolk Home Builders Association
accepts advertising in its publications, it endorses no products or services
and no warranty, either expressed or implied, is given by the association
or its officers and directors as to the quality or accuracy of the information
provided in said advertising.
Massachusetts Health
Insurance Reform Act
Mr. William P. Avril of Commonwealth Financial Group provided
information to try to help guide BNHBA members in dealing with
the new Massachusetts Health Insurance Reform Act. He touched
on issues that impact both the EMPLOYER as well as the EMPLOYEE. The follow is what he discussed:
EMPLOYER
1.
Those with 11 full-time or equivalent part-time employees
must have a health plan.
2.
Employer must pay at least 1/3 of employee’s cost.
3.
Employment waiting period may not exceed 90 days.
4.
Hours worked requirement is a minimum of 35.
5.
Employer must adapt a Section 125 plan to permit employees to pay contributions on a pre-tax basis
6.
Employer must make available a Section 125 plan for nonbenefit eligible employees who wish to purchase insurance
directly from the Health Connector.
7.
Employers must have employees sign a HIRD (waiver) from
where the employee declines coverage.
Member Spotlight
DONALD A. BAKER,
D. A. BAKER
CONSTRUCTION
CO., INC.
LONG-TERM
MEMBER OF
BRISTOL NORFOLK
HOME BUILDERS
ASSOCIATION
Don Baker has been a generous and long-term benefactor of BNHA. He has been the
provider of the local chapter’s office space. He has served as
President of the State and local chapter. He operates his business as D. A. Baker Construction Co. Inc. at 65 Neponset Avenue, Foxboro, Massachusetts.
Don’s business is the oldest contracting company in Foxboro
under the same ownership since 1959. He and his son Stephen
operate this as a father and son business.
In 2003 Don provided land at a very affordable price for the
local chapter to build and add an affordable home on Smith
Street, in the town of North Attleboro.
EMPLOYEE
On a personal note, Don lives in Foxboro with his wife. His
hobby is antique cars - especially Hudson’s.
All Massachusetts residents must purchase health insurance. Failure to have covereage results in two penalties:
Thank you, Don, for all your dedication to our chapter. You
and your son are much appreciated.
1.
Loss of state deductions on tax return.
2.
A cash penalty, which will probably be $2,000
BBRS Changing 7th Edition of the
Building Code
“...the 7th Edition is a “living document.” BBRS requests input from
Propane Gas Information
housing professionals so that as many as possible corrections/clarifications can be instituted before the January 1, 2008 EFFECTIVE
DATE. To help with this, BBRS has established a BBRS NEWS WEB
Chris Kowalski, Sales/Marketing Supervisor, Osterman
Propane, has passed along information that The Propane
Education and Research Council has launched a new website
to help educate builders on the benefits of Propane:
http://www.buildwithpropane.com
PAGE. Here is how to access BBRSNEWS:
Click here to go to the Mass Gov BBRS NEWS
This info can also be reached from a link at:
http://bnhba.com/For_Builders/bbrs.htm
Page 3
Page 4
Networking Night
continued from page 1
Jack Daddario, Jr., Senior Branch Manager, conducted guided tours
of the vast Ferguson/J D Daddario facilities at 5 Forge Parkway,
Franklin, MA. In addition to the showroom there is a very large
conference room, a massive warehouse and a computer training
center. Jack said that technical product changes are so frequent that
there is a need for constant training. He most proud of the “Express
Delivery” that Ferguson/J D Daddario has established to service
their many store locations and customer sites. This service provides
product delivery overnight to customer locations.
A most gracious welcome was provided by Jim Daddario, President
and General Manager of Ferguson/J D Daddario. Jim made it a
point to converse with each housing professional who was present.
Jack Parquette, Stock Building Supply Sales and Marketing Manager, and Stocks materials and design team members were present
to address questions.
Networking Night attendees: Steve Baker, Ferguson/Daddario Staffer, Don Baker, Jim Connelly, Tom George, Al Hurder, Jr., BNHBA Pres.,
Patricia Houlihan, Rich Gagnon, Paul Laudani and Glen Larkin.
Also present were professionals from Progressive Lighting and
Clarke Corp.
Excitement reached a peak with the drawing of business cards, of
those present, who received Ferguson/J D Daddario Gift Certificates.
BNHBA is most grateful for the superb effort, provided by Darlene
Barber, Ferguson/ J D Daddario Showrooms Manager and Rick
Salvucci, Ferguson/J D Daddario Builder Sales, to organize this
wonderful event.
Rich Salvucci, of Ferguson/Daddario, with 2 of Ferguson/Daddario
staffers, enlighten Joe LaPalme during Networking Night.
One of the Networking Night hostesses is congratulated for a job well done by Jack Daddario, Jr.
Stock Building Supply staffers were available to provide information
for BNHBA members at Networking Night.
Page 5
Construction Industry Newsletter
Workers Compensation
Changes for Sole Proprietors
and Partners
What the GC needs to know.
We have been talking about the need for all sole proprietors to provide workers compensation insurance for several years. In 2004,
MA made regulatory changes which, for the first time, allowed a
sole proprietor to purchase workers compensation insurance that
covers injuries to himself as well as injuries to his employees.
Since the law changed, the Department of Industrial Accidents
(the court system that enforces workers compensation law in MA,)
has been very active ensuring that every injury at a work place is
compensated. This means that when you hire a subcontractor, a
Certificate of Insurance for workers compensation may not be
enough. You need to know that the owner of the subcontracting
firm is covered if he is injured on your job site. If his Workers Compensation policy does not cover his injuries, your policy will cover
those injuries even if you have a certificate from the subcontractor
showing a valid policy.
The MA Workers Compensation Rating and Inspection Bureau
(WCRIBMA) has issued new procedures for all insurance companies and agents to follow when issuing certificates of insurance.
The procedure states: “The Division of Insurance recently approved
the attached Procedures for Issuing Certificates of Insurance for
Sole Proprietors and Partnerships (Procedures) for use in both the
voluntary and residual Markets. The Procedures have a mandatory
effective date of May 1, 2007…Sole Proprietors and partnerships
sometimes purchase a workers compensation policy for the sole
purpose of obtaining a Certificate of Insurance that can be presented to an insured employer for whom they want to perform work.
The policy does not cover the proprietors. The approved procedures
will enable the recipient of a certificate of insurance to better understand what coverage is provided by the workers compensation
insurance policy identified on the certificate.”
Beginning May 1, 2007 all workers compensation certificates of
insurance must clearly state the intention of coverage for sole proprietors and partners. What does this mean for our clients that hire
subcontractors? Over the next few months you can expect your
workers compensation auditors to review certificates of insurance
in greater detail to be sure proprietors and partners that work for
you are covered under their own policies. If the certificate does not
Page 6
specifically state the sole proprietor or partner is covered you can
expect your insurance company to make a charge to your policy.
We have spoken with auditors from several companies and none
have finalized their procedures on making these charges; needless
to say we expect them to be significant. Insurance companies do
not want to be in the position of paying for claims to uninsured
subcontractors.
We have sent previous newsletters stating the importance of getting certificates of insurance from all subcontractors. You are now
going to have to review them more stringently to make sure the
proper coverage is included. Remember that these changes are not
insurance industry-generated, but are regulatory changes initiated
by WCRIBMA. It is important that you pay attention to these
changes to prevent unexpected charges on your workers compensation policy at audit.
One additional thing. We have always recommended that the certificates you accept are originals and that you accept them only if
mailed directly from the office of the sub’s insurance agent. If faxed
copies are accepted, the name of the insurance agent and the agent’s
fax number should be displayed at the top of the page. We remind
you of this because the tight construction market is causing an increase in the number of contractors losing coverage for nonpayment
of premium. Some have decided to save money by not reinstating
their policy, and delivering copies of previously issued certificates to
clients instead (hoping for the best.) If you are holding a certificate
that did not come from an agent, there is a chance that no coverage
is in place and your policies will be stuck paying claims. This means
those claims will count against your experience and impact your
future insurance costs.
We recently sent out to all of our construction clients a newsletter
entitled Workers Compensation changes for Sole Proprietors and
Partners: What the GC needs to know. Since the newsletter went
out we’ve had several additional questions from clients. We hope
that the FAQ’s below will help clarify.
Question: If a sole proprietor and/or partner is excluded from his
workers compensation coverage per his certificate and he has employees who perform the actual work, will the auditor still make a
charge to the GC for the sole proprietor and/or partner?
Answer: We don’t know for sure. We asked the Mass WC Bureau
and they could not answer the questions. We have spoken with several different Workers Compensation Carriers and some have told
us that they were not going to try to track the payroll for the owner
vs. the employees. Others are making a charge.
Question: How can I tell if a company is actually a Sole Proprietor?
Can a Sole Proprietor have employees? If the c ertificate says the
continued on page 7
Workers Comp Changes
continued from page 6
owner of the company is excluded from the coverage are we ok if he
is only managing the jobs and not actually providing labor? How
would an auditor know if only his employees were doing the work
or if he were working alongside them?
Answer: You can get an idea if the company is a sole prop by the
name. For example Joe Smith Painting is probably a sole prop, but
Joe Smith Painting Inc is a corp. So yes, he can be a sole prop and
have employees. For our experience most of the small guys that work
by themselves are sole props. As for distinguishing what work was
done by the owner and what was done by the employee, we have no
idea how the auditors are going to look at that. But as we mentioned
above some of the carriers have stated that they will not be picking
up the owners payroll if he has employees. Others have asked clients
for copies of invoices and/or time cards from their subcontractors
to indicate who actually worked on the job.
Question: Do you think that auditors will be vigilant about this?
Answer: We don’t know but we do know that Workers Compensation carriers have had to pay injury claims for sole proprietors under
the General Contractors policy and since they may have to pay out
on a claim we can expect that they will be looking to collect the
premium.
Question: If a Sole proprietor chooses to assume risk by not including himself for coverage, why should the General Contractor have
to pick him up for coverage?
Answer: The Workers Compensation regulations state that if an
injury happens at work it will be covered under workers compensation. If there is no coverage under the sole proprietors policy, he
can collect under the General Contractors coverage. We have a GC
that had a sub without coverage for himself. The sub got injured
and now our GC has a claim of over $150,000 on his loss runs and
experience mod. So the short of it is our GC will be paying for this
for 3 years, which is the length of time it will stay on his experience
mod.
Question: Do you have any suggestions on how to manage this new
requirement? I see it as another paperwork nightmare... and possibly a huge problem on the audit side.
Answer: Verify whether each sub is a one-man band or if he has employees and if they work alone, don’t accept a certificate that states he
is excluded. The best solution is to have all sole props covered whether
they have employees or not. If the sole prop is not doing the work
and only works in the office or supervising, the rate is lower than the
worker’s rate. That should help out some of these guys. Another good
thing is the rates are going down by an average of 16% on 9/1/07.
Question: What do the Rules that Insurance Companies must follow when an audit is done say?
Answer: “Uninsured Subcontractors Or Uninsured Independent
Contractors With Employees Rule” IX C under Special Conditions or Operations Affecting Coverage and Premium on Page R35 of the Massachusetts Workers Compensation Manual states:
“for each subcontractor or independent contractor for which such
evidence (of insurance) is NOT furnished, additional premium
shall be charged on the policy which insured the contractor as follows:
1.
The contractor shall provide a complete payroll record of the
employees of each uninsured sub-contractor or uninsured independent contractor. Premium on such payroll shall be based
on the classifications, which would have applied if the employees of the subcontractor or independent contractor had been
employees of the contractor.
2.
If the contractor does NOT supply the payroll records of its
subcontractors or independent contractor, the FULL SUBCONTRACT or INDEPENDENT CONTRACT PRICE
of the work performed during the policy period by the subcontractor or independent contractor SHALL BE ESTABLISHED as the payroll of the subcontractor’s or independent
contractor’s employees. The additional premium shall be
charged on that amount as payroll.”
From reading these rules we think it is pretty clear if you do not
get conforming certificates from every subcontractor, the insurance
company, by following the letter of the rules, can make significant
charges. We do not want to alarm anyone, but it is important that
you are informed of this issue and control it by getting conforming
certificates.
Question: Can a subcontractor opt in for coverage mid-term?
Answer: We have checked with 5 of the companies we do business
with and all are in agreement. A Sole Proprietor can add coverage
for themselves midterm. The premium would be pro-rated for the
term that is left.
Question: My sub is a corporation and the officers have excluded
themselves from coverage. How does this affect me at audit?
Answer: This is an area that is still up for some interpretation.
When teh corporate officer signs the forms to exclude himself from
coverage on the policy, he states that he does not want to be part of
the system and gives up his right to sue for benefits. This has not yet
been tested in court and the insurance companies we have spoken
with are not in agreement. Some feel this will make it almost
continued on page 8
Page 7
Workers Comp Changes
Letter from the Editor
continued from page 7
continued from page 2
impossible for someone that has signed this form to make a claim
against another business and therefore they will not make a charge.
Other companies feel that until this is tested and accepted in court,
they will be brought into claims for uninsured coporation officers
and they will make a charge.
Perhaps we would really feel good if we donated some desperatelyneeded food to a local “food pantry” or helped at a “soup kitchen”
once a week.
From a Risk Management Standpoint, Mason & Mason recommends that you require all Corporate Officers of your subcontractors to be covered by Workers Compensation. If they are not and
they are seriously injured, the costs to you can be considerable.
These are the eight most commonly asked questions we have received since the newsletter hit mailboxes we hope that this will help
clarify the situation. Remember that these changes are not insurance industry-generated, but are regulatory changes initiated by the
Workers Compensation Rating and Inspection Bureau of MA. It is
important that you pay attention to these changes to prevent unexpected charges on your workers compensation policy at audit.
Tom Messier, CIC, Vice President,
Risk Management
continued from page 1
It seems that about May 2007 an enforcement program was initiated by workers compensation insurers to obtain factual documentation of who is covered and who is not covered by Workers Compensation. This documentation must be clearly noted on the bottom
of any Certificates Of Insurance provided by any Subcontractor to
a General Contractor. Likewise, any General Contract must provide this documentation to any Project Management operator in
charge of a construction job site. There needs to be a Contract Of
Hire to back up the notation on the Certificate Of Insurance—IRS
FORM 10999 MEANS NOTHING. Failure to provide proper
documentation can result in massive Workers Compensation premiums being charged to the General Contractor or the Owner of
the Job Site. Officers and/or employees must be specifically declared
if they are to be specifically excluded from Workers Compensation
coverage on the Certificate Of Insurance.
The rationale for this enforcement seems to be connected to the
fact that the Workers Compensation Insurance rates are dramatically lower today than they were just a few years ago. Medical costs
are dramatically increased from what they were just a few years ago.
The Commonwealth Of Massachusetts Workers Compensation
Bureau wants everybody who is supposed to be covered by Workers
Compensation to be paying into the system.
Page 8
Americans are a generous people. We have much for which we
ought to be thankful and joyous. Just being American is a terrific
blessing. Caring and sharing our blessings with others is what sets
Americans apart from the rest of the world.
Our business troubles pale by comparison to the trials faced by the
people caught in: the recent earthquake in Chile, the turmoil in
Darfur, the cyclone in Bangladesh, the horrors of warfare in Iraq
and Afghanistan, the political challenges of Pakistan, the strife of
Lebanon and Gaza and the AIDS epidemic throughout Africa.
Yes we are in troubled times, indeed, in America. We do not know
if we should buy an LCD High Definition Television or a Plasma
Television. We do not know if we should convert to “Bluetooth”
or not. We do not know if we should get that iPod now or wait
until the newer model comes out. We just cannot decide which cell
phone calling plan is the best deal.
Back on June 5, 1973, our America was suffering the pains of war,
a terrible inflation rate, high interest rates and a badly devalued
dollar. A Canadian radio broadcaster reached out to his southern
“cousins” and gave the world pause to reflect. Read his essay “The
Americans” on the facing page.
So, as we consider all our troubles, let us be truly honest and count
our blessings. Let us be grateful for our ability to thrive and to make
this place a better place-better than what our fore bearers had when
they arrived in this great experiment we are so very blessed to call
home-America.
May each of you have the good health, strength, courage and charity of heart to do the very best you can in 2008.
Regards,
Ron Costello, BNHBA Executive Officer
SO, YOU WANT TO ADVERTISE IN “ON THE
LEVEL” AND ON THE BNHBA WEB SITE!
It is easy. Simply go to www.bnhba.com; scroll to the bottom;
click on [Advertising]; then scroll to the bottom and click on
“View the advertising rates” and “Advertising Order Form.”
If you have questions call: 508.543.2419.
The Americans
Gordon Sinclair, Broadcast June 5, 1973, Radio Station CFRB, Toronto, Ontario
The United States dollar took another pounding on German, French and British exchanges this morning, hitting
the lowest point ever known in West Germany. It has declined there by 41% since 1971 and this Canadian thinks
it is time to speak up for the Americans as the most generous and possibly the least-appreciated people in all the
earth.
As long as sixty years ago, when I first started to read newspapers, I read of floods on the Yellow River and the Yangtse. Who rushed in with men and money to help? The
Americans did.
They have helped control floods on the Nile, the Amazon,
the Ganges and the Niger. Today, the rich bottom land
of the Misssissippi is under water and no foreign land has
sent a dollar to help. Germany, Japan and, to a lesser extent, Britain and Italy, were lifted out of the debris of war
by the Americans who poured in billions of dollars and
forgave other billions in debts. None of those countries is
today paying even the interest on its remaining debts to
the United States.
When the franc was in danger of collapsing in 1956, it was
the Americans who propped it up and their reward was
to be insulted and swindled on the streets of Paris. I was
there. I saw it.
When distant cities are hit by earthquakes, it is the United
States that hurries into help... Managua Nicaragua is one
of the most recent examples. So far this spring, 59 American communities have been flattened by tornadoes. Nobody has helped.
The Marshall Plan .. the Truman Policy .. all pumped billions upon billions of dollars into discouraged countries.
Now, newspapers in those countries are writing about the
decadent war-mongering Americans.
I’d like to see one of those countries that is gloating over
the erosion of the United States dollar build its own airplanes.
Come on... let’s hear it! Does any other country in the
world have a plane to equal the Boeing Jumbo Jet, the
Lockheed Tristar or the Douglas 707? If so, why don’t
they fly them? Why do all international lines except Russia fly American planes? Why does no other land on earth
even consider putting a man or women on the moon?
You talk about Japanese technocracy and you get radios.
You talk about German technocracy and you get automobiles. You talk about American technocracy and you find
men on the moon, not once, but several times ... and safely
home again. You talk about scandals and the Americans
put theirs right in the store window for everyone to look
at. Even the draft dodgers are not pursued and hounded.
They are here on our streets, most of them ... unless they
are breaking Canadian laws .. are getting American dollars
from Ma and Pa at home to spend here.
When the Americans get out of this bind ... as they will...
who could blame them if they said ‘the hell with the rest
of the world’. Let someone else buy the Israel bonds, Let
someone else build or repair foreign dams or design foreign buildings that won’t shake apart in earthquakes.
When the railways of France, Germany and India were
breaking down through age, it was the Americans who rebuilt them. When the Pennsylvania Railroad and the New
York Central went broke, nobody loaned them an old caboose. Both are still broke. I can name to you 5,000 times
when the Americans raced to the help of other people in
trouble.
Can you name me even one time when someone else raced
to the Americans in trouble? I don’t think there was outside help even during the San Francisco earthquake.
Our neighbours have faced it alone and I am one Canadian who is damned tired of hearing them kicked around.
They will come out of this thing with their flag high. And
when they do, they are entitled to thumb their nose at the
lands that are gloating over their present troubles.
I hope Canada is not one of these. But there are many
smug, self-righteous Canadians. And finally, the American Red Cross was told at its 48th Annual meeting in New
Orleans this morning that it was broke.
This year’s disasters .. with the year less than half-over…
has taken it all and nobody...but nobody... has helped.
To learn more about Gordon Sinclair, and to hear a recording of the original broadcast online, please go to: http://www.broadcasting-history.ca/news/unique/am_text.html
Page 9
We’re the people behind the world’s greatest appliances.
Clarke is New England’s exclusive distributor of Sub-Zero, Wolf, KWC, ASKO and Best. From budgeting and pricing
to keeping your buyers happy after move-in day, Clarke offers the kind of hands-on service you won’t find
anywhere. Clarke’s dedicated staff of professionals are specifically trained for high-end development projects,
and are with you before, during and after construction. It’s a standard of service that’s unparalleled in the industry.
For more information on just what (and who) is behind it all, call Joe Tanguay of our Business Development Team
at 1-800-842-5275, ext. 225.
Come.
Explore.
Play.
393 Fortune Boulevard, Milford MA • 64 South Main Street, South Norwalk CT • come visit our new website at www.clarkecorp.com
CALENDAR OF EVENTS
NOVEMBER 2007
MARCH 2008
27
4:00 PM, Tues., HBAM Board Of Directors Mtg., Doubletree
Inn, Westborough, MA
19
5:30 PM, Wed., BNHBA Board Of Directors Meeting, BNHBA
Office.
28
5:30 PM, Wed., BNHBA General Membership Meeting, The
Chateau, Norton, MA
Program: Business Killers
25
4:00 PM, Tues., HBAM Board Of Directors Mtg., Doubletree
Inn, Westborough, MA
26
5:30 PM, Wed., BNHBA General Membership Meeting, The
Chateau, Norton, MA
Program: Let’s Talk Marketing, NOMINATIONS
DECEMBER 2007
10
8:00 AM, Wed., OSHA Safety Certification 10 Hours Class
17
12:00 AM, Wed., OSHA Safety Certification 10 Hours Class
16
5:30 PM, Wed., BNHBA Board Of Directors Meeting, BNHBA
Office.
19
5:30 PM, Wed., BNHBA Board Of Directors Meeting, BNHBA
Office.
29
4:00 PM, Tues., HBAM Board Of Directors Mtg., Doubletree
Inn, Westborough, MA
30
5:30 PM, Wed., BNHBA General Membership Meeting, The
Chateau, Norton, MA
Program: Aging in Place, ELECTION
APRIL 2008
JANUARY 2008
23
5:30 PM, Wed., BNHBA Board Of Directors Meeting, BNHBA
Office
29
4:00 PM, Tues., HBAM Board Of Directors Mtg., Doubletree
Inn, Westborough, MA
30
5:30 PM, Wed., BNHBA General Membership Meeting, The
Chateau, Norton, MA
Program: Green Building as a Profit Center
FEBRUARY 2008
MAY 2008
20
4:00 PM, Tues., HBAM Board Of Directors Mtg., Doubletree
Inn, Westborough, MA
21
5:30 PM, Wed., BNHBA Board Of Directors Meeting, BNHBA
Office
28
5:30 PM, Wed., BNHBA General Membership Meeting, The
Chateau, Norton, MA
Program: INSTALLATION BANQUET
13 INTERNATIONAL BUILDERS SHOW, ORLANDO,
- 16 FLORIDA
JUNE 2008
FEBRUARY 2008 (cont.)
13
5:30 PM, Wed., BNHBA Board Of Directors Meeting, BNHBA
Office.
18
5:30 PM, Wed., BNHBA Board Of Directors Meeting, BNHBA
Office
26
4:00 PM, Tues., HBAM Board Of Directors Mtg., Doubletree
Inn, Westborough, MA
25
5:30 PM, Wed., BNHBA “Networking Night,” Location to be
determined.
27
5:30 PM, Wed., BNHBA General Membership Meeting, The
Chateau, Norton, MA
• Please visit www.BNHBA.com for full details
and to reserve your seats on all events •
PROGRAM SPONSORS ARE INVITED.
To become a PROGRAM SPONSOR simply contact BNHBA and provide the date and event that you wish to sponsor (See the
Calendar Of Events above).
The PROGRAM SPONSOR FEE is $300. This will provide the sponsor with recognition in the BNHBA newsletter as well as recognition on the BNHBA web site. The web site recognition is via a rotation banner at the top of or along the right side of the
BNHBA web site. For details please go to www.bnhba.com; scroll to the bottom; click on [Advertising]; scroll to the bottom and
click on “View the advertising rates” and “Advertising Order Form.” The banners will run for the month prior to the event, the
month of the event and the month following the event. Banners
visit www.buildersshow.com for more info
Page 11
HBAM Education Series Presents...
New monitoring procedures for
Chapter 40B cost certification
9:30 AM, Thursday, December 12, 2007
provided by MassHousing
One Beacon Street, Floor 29, Boston, MA
Fees: HBAM members $35.00 non-members $55.00
Space is limited - Online Registration
Required: www.hbama.com
BNHBA Membership
Meeting &
Networking Event
Program By:
John B. Steiger, CFP®, ChFC, AEP
MML Investors Services, Inc.
“Avoiding The Six Mistakes
That Can Destroy Your Business
and Your Future”
5:30 PM, Tuesday, November 28, 2007
Take advantage of your Membership
The Chateau Restaurant
48 Bay St, Norton, MA 02766
$35.00 per Person, PRE-PAID registration
$40.00 per Person AFTER November. 21, 2007.
Visit www.bnhba.com to register or call 508-543-2419
Visit nahb.org/MA to learn more!
Choice of meal: Beef Tips, Veal Parmigiana, or Broiled Scrod
Visit us on the web at www.BNHBA.com
BRISTOL NORFOLK HOME BUILDERS ASSOCIATION, INC.
65 Neponset Ave
Suite 3
Foxborough, MA 02035-2038
Do business with
member companies.
www.BNHBA.com
Creating Housing - The American Dream