The Digest | Oct-Dec 2020

Digest T H E

OCTOBER–DECEMBER 2020

Elections Matter to Housing All levels of government impact housing

BUSINESS TIPS

MEMBER SPOTLIGHT

SEEN + HEARD

Budgeting for the new year

Breaking down barriers

Golfers swing for a cause

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©2020 CenterPoint Energy 202381

Contents OCTOB ER – DEC E M B E R 2 0 2 0

18

12

34

14

HOUSING FIRST

IN THE INDUSTRY

BUSINESS TIPS

6

14 Advocacy in Action

21 Creating a Basic Budget

From the President

Focusing on the fundamentals of safety

UP NEXT

9 Events

See what’s coming up next for industry events

12 Need to Know

A quick look at what’s going on at your association

Your advocacy team is working to ensure the American dream of homeownership is attainable for all

17 Industry Data

Digging into the latest industry data

18 Elections Matter to Housing

How all levels of government impact the housing market

Breaking down budgeting approaches as you head into 2021

24 Leveraging Your Wins

Make the most of your company achievements

27 Q&A: Ask the Insurance Expert

Learn about Housing First Minnesota’s Association Health Plan

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

3

Digest T H E

Board of Directors EXECUTIVE BOARD PRESIDENT GARY KRAEMER, John Kraemer & Sons, Inc. VICE PRESIDENT TODD POLIFKA, Custom One Homes TREASURER JAMES JULKOWSKI, Julkowski, Inc. ASSOCIATE VICE PRESIDENT ED ENGELBRECHT, Pella Windows & Doors SECRETARY RYAN RUTZICK, All, Inc. IMMEDIATE PAST PRESIDENT JOHN RASK, M/I Homes PAST ASSOCIATE VICE PRESIDENT CARLA WARNER, Warners’ Stellian Appliance BOARD + COMMITTEE CHAIRS ADVOCACY CHAIR BILL BURGESS, Lennar AMBASSADOR CHAIR DALE LOEFFLER, Marvin ARTISAN HOME TOUR CHAIR JOHN KRAEMER, John Kraemer & Sons, Inc. LARGE VOLUME BUILDERS COMMITTEE JAMES SLAIKEU, D.R. Horton, Inc. - Minnesota PARADE OF HOMES CHAIR SARAH DULONG, Ron Clark Construction PAST PRESIDENTS’ ADVISORY COUNCIL CURT CHRISTENSEN, Lee Lyn Construction, LLC REMODELERS CHAIR JASON MYRLIE, J Carsten Remodeling

ON THE COVER: GOLFERS HIT THE GREEN AT THE BUILDING FUTURES GOLF CLASSIC

SMALL VOLUME BUILDERS CHAIR ART PRATT, Pratt Homes MEMBER AT-LARGE JIM FUSCHETTO, Lyman Lumber Co. MEMBER AT-LARGE JOHN QUINLIVAN, Gordon James Construction, Inc.

Staff BUILDING FUTURES

30 Housing for Heroes Two new houses for veterans in need

32 Become a Build Partner

Learn how to become a build partner with the Foundation

34 More Than a Playhouse

A builder-homeowner partnership results in a generous donation

EXECUTIVE LEADERSHIP EXECUTIVE DIRECTOR DAVID SIEGEL CREATIVE SERVICES VICE PRESIDENT OF MARKETING & CREATIVE DAWNITA PARMELY CREATIVE DIRECTOR HANNAH SWAN EDITOR & SOCIAL MEDIA MANAGER LAURA BURT ADVERTISING & SPONSORSHIP FULFILLMENT COORDINATOR LAURIE SPARTZ CREATIVE SERVICES & TECH COORDINATOR CASEY SCOZZARI ADVOCACY VICE PRESIDENT OF ADVOCACY JAMES VAGLE DIRECTOR OF LEGISLATIVE & POLITICAL AFFAIRS MARK FOSTER DIRECTOR OF RESEARCH & REGULATORY AFFAIRS NICK ERICKSON COMMUNICATIONS DIRECTOR KATIE ELFSTROM

MEMBERS O N LY

37 Breaking Down Barriers Inspiring more women to take to the trades

41 In the Media

COMMUNICATIONS & RESEARCH SPECIALIST KRISTEN OBER ADVOCACY COORDINATOR KATE WIGLEY MEETINGS + EVENTS MEETING & EVENT MANAGER NICOLE COON EDUCATION

44 Photo Galleries

EDUCATION & SPECIAL PROGRAMS MANAGER TOM GAVARAS

48 Member News

FINANCE, MEMBERSHIP + ADMINISTR ATION

50 Launching Our Diversity, Equity, & Inclusion Task Force 52 Member Discounts 53 Elite Sponsors 55 One Year Later

EDUCATION & SPECIAL PROGRAMS COORDINATOR MARY BETH BLOM

VICE PRESIDENT OF FINANCE JANICE MEYER FINANCE DIRECTOR TAMMI HALL MEMBERSHIP MANAGER HEATHER GRIFFIS FOUNDATION FOUNDATION DIRECTOR DONNIE BROWN FOUNDATION MARKETING & EVENT MANAGER ERIN MILLBURN INDEPENDENT CONTR ACTORS ADVERTISING & SPONSORSHIP SALES KORI MEEWES & BRAD MEEWES, and more by Kori

Executive Director David Siegel reflects on the one-year anniversary of the association rebrand

C O N TAC T U S

2960 Centre Pointe Drive, Roseville, MN 55113 • 651-697-1954 • HousingFirstMN.org The Digest magazine is an official publication of Housing First Minnesota. The Digest is published and distributed four times per year to members of Housing First Minnesota and others associated with the housing industry. Neither the advertisers, nor Housing First Minnesota, will be responsible or liable for misinformation, misprints, typographical errors, etc., herein contained. For advertising rates, resource files or address change information, contact Housing First Minnesota. Suggestions, ideas and letters are welcome.

If circumstances require, Housing First Minnesota reserves the right to increase or decrease the number of The Digest issues published on an annual basis.

4

The Digest

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

DREAM BIG.

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LOOKING FOR A CAREER YOU CAN BUILD ON?

Explore opportunities today at www.lymanlumber.com/careers

FROM THE PRESIDENT

Focus on the Fundamentals of Safety “The minute you get away from fundamentals—whether it’s proper technique, work ethic, or mental preparation— the bottom can fall out of your game, your schoolwork, your job, whatever you’re doing.” – Michael Jordan Certainly, COVID-19 has driven home the importance of safety on our job sites. But even before this pandemic, we focused on safety at our company. In fact, we were named Governor’s Safety Award Winners - Meritorious Achievement in 2017 and 2018, and we were named the Governor’s Safety Award Winners Award of Honor in 2015, 2016, and 2019.

We chose to commit to safety as a company for several key reasons, and I’ll share those in the hope that you consider placing safety as a primary focus at your company as well. First, prioritizing safety clearly demonstrates that we care about our people and value them above all else. It also helps us keep our costs down—good workplace safety means lower workers’ compensation rates, less lost time, and less family disruption. Good safety is good for morale and we believe, good for our business. We also find that our clients are moved by our commitment to safety—it’s one of the many reasons they seek to do business with us.

We are certainly in very challenging and trying times. We’ve had to modify our construction practices to account for COVID-19. But as the saying goes, “this too shall pass.” The question is what will our industry have learned and can we all put the highest priority on safety as we eventually leave COVID-19 behind.

To build our work safely, our employees need to know what the fundamentals are, and why they are

6

The Digest

important. Here are some toolbox talk topics you might want to engage in with your team.

Crew Discussion: 1. What are the basic safety fundamentals on this job?

2. What are some of the safety fundamentals that are unique to this project or task?

3. What safety fundamentals do we need to consider if there is a change in conditions on this project?

4. Why are safety fundamentals important and what are the possible consequences of losing focus on them?

Now, as 2020 and my term as your president come to a close, I would like to share my gratitude for my family and my team at John Kraemer & Sons for their support throughout the year. I’d also like to thank our dedicated board of directors and the entire membership for your continued commitment to the industry. We have demonstrated exceptional resilience and strength through a year filled with uncertainty, and I am hopeful for what the future will bring for this industry that we love and serve.

GARY KRAEMER 2020 HOUSING FIRST MINNESOTA PRESIDENT

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

The John Kraemers & Sons, Inc. team and their subcontractors attend a safety training at a Lake Minnetonka home site.

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UP NEXT

Events UPCOMING

Artisan Home Tour

PLAN YOUR TOUR AT

Plans are in place for our seventh annual Artisan Home Tour this October. This ticketed tour showcases high-end homes throughout the Twin Cities while raising money for the Housing First Minnesota Foundation. Homes are open Fridays-Sundays from 11 a.m.-5 p.m.

ArtisanHomeTour.org

October 9-25, 2020

Green Path Building Conference ®

This year’s annual Green Path Building Conference will be held virtually featuring national instructors including Gord Cooke from Construction Instruction and Todd Gamboa from Building Trust LLC. Learn how Minnesota compares to other states in energy efficiency and more.

Designated Green Path Builders receive one free registration.

LEARN MORE AT

MNGreenPath.org

November 10, 2020

State of the Industry Join us for a look at what we can expect in 2021—economically (and virtually) with nationally acclaimed speaker and economist Elliot Eisenberg. The 2021 board of directors for both Housing First Minnesota and the Foundation will be celebrated along with the swearing in of our Foundation President, plus the plus the oath of office given to the incoming Housing First Minnesota President. We extend our thanks to the outgoing board members. Don’t miss the opportunity for some virtual networking as well.

REGISTER AT

HousingFirstMN.org/ events

December 17, 2020

Housing Day at the Capitol

WATCH FOR DETAILS AT

Save the date for the 2021 Housing Day at the Capitol event.

March 15, 2021

ASSOCIATION HEALTH INSURANCE

HousingFirstMN.org/ events

ENROLL NOW

Find details at HousingFirstMN.org

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

9

CONTINUING EDUCATION FOR MINNESOTA CONTRACTORS

NEW & EASIER ACCESS TO ONLINE COURSES

TRAINING FOR YOUR MINNESOTA CONTRACTOR LICENSE

We understand the investment our partners and supporters make in attending and sponsoring our events and know the impact a cancellation has on your business goals. Your health and safety are our number one priority in any decisions we make at this time.

THIS COURSE OFFERS EVERYTHING YOU NEED TO PREPARE FOR THE EXAM

LIVE VIRTUAL ZOOM COURSES COMING SOON

We plan to be transparent about our decision-making process and do not take any of our decisions lightly.

If circumstances change or we should need to cancel, reschedule, or restructure these events, we will communicate to registrants and sponsors in a timely manner.

COMING THIS FALL | SEE AN UPDATED COURSE LIST AT CONTRACTORU.COM

FIND COURSE DETAILS & REGISTER AT

ContractorU.com

W W W . T I L E S H O P . C O M

CONTRACTOR UNIVERSITY IS ACCREDITED BY

®

The Digest

Thank you for your patience as we continue to monitor the current crisis and make adjustments to execution of these events.

All of our event offerings can be found at: HousingFirstMN.org/Events

CONTRACTOR UNIVERSITY IS SPONSORED BY

10

Impact on Events Housing First Minnesota prides itself on first-class events and programming for our partners and supporters, and it is this trustworthiness that you can rely on to do what is in the best interest of our members when it comes to our upcoming events.

PICK & CHOOSE THE COURSES MOST VALUABLE FOR YOU— AVAILABLE ANYTIME!

CONTINUING EDUCATION COURSES APPROVED BY

COVID-19

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

UP NEXT

Need to Know Spring Parade of Homes & Remodelers Showcase Get your work entered into the best marketing event of the spring! The Spring Parade of Homes and Remodelers Showcase entry process opens mid-October.

Parade of Homes: Feb. 27-Mar. 28, 2020 Remodelers Showcase: Mar. 26-28, 2020 Spring Entries Close: Dec. 22, 2020 ENTER AT

HousingFirstMN.org

Contractor University Online Classes

Spring Awards Deadlines

Earn your continuing education credits through Contractor University. With dozens of courses available, you’ll find specialized classes that provide useful and practical knowledge to apply to your business. See an online course list on page 54.

Your hard work deserves recognition! Enter the Housing First Minnesota awards program that recognize excellence in several areas—from quality and value of construction to business ethics.

Enter so we can celebrate the fine work you do!

SPONSORED BY

ONLINE COURSES AVAILABLE YEAR-ROUND AT

Spring Reggie Entry: Dec. 22, 2020

ContractorU.com

Spring Trillium Opens: Jan. 15, 2021 Spring Trillium Entry Due: Feb. 19, 2021 Spring Reggie Photos Due: Mar. 19, 2021

Become a Green Path Designated Builder

SPONSORED BY

Become an industry leader with the Designated Green Path Builder program. Enjoy recognition in both building industry and consumer marketing, and gain access to exclusive Designated Green Path Builder program benefits.

Is your membership directory information accurate? Make sure your basic company information is right at the fingertips of members and homeowners! It’s up to you to make sure your details are correct.

MANAGE YOUR DIRECTORY LISTING AT

MNGreenPath.org

HousingFirstMN.org

Our sponsorship opportunities enhance your ability to communicate your products and services to other members and engaged consumers.

Your participation as a sponsor is a great win-win opportunity: you gain exposure to your key markets and Housing First Minnesota can continue offering high-quality programs to members, outreach to the community, and advocacy to create a healthy industry.

SEE ADVERTISING & SPONSORSHIP OPPORTUNITIES AT

HousingFirstMN.org/MediaKit

The Digest

Update Your Member Info

DETAILS & REGISTRATION AT

Become an Advertiser or Sponsor

12

HousingFirstMN.org/Awards

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

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MAKE THE MOST OF HOME

ADVOCACY IN ACTION

Fighting for Affordability in the Code This summer, Housing First Minnesota participated in numerous conversations, hearings, and meetings regarding both the electrical code and the energy code. While each code is under review in separate processes, our argument abides: regulations applied to our industry must be weighed against affordability and based on sound science.

REGULATORY ADVOCACY

Housing First Minnesota Asks for a Review of the Electrical Code Housing First Minnesota and its members requested a hearing back in April to review the 2020 National Electrical Code (NEC). Without this request, the code would have been adopted in Minnesota without amendments in a rushed process.

In August, Administrative Law Judge Barbara Case reviewed the Minnesota Board of Electricity’s proposed adoption of the 2020 NEC. The hearing was the first step in the process.

Housing First Minnesota member Tony Weiner, Courtney Ernston with Minnesota Construction Law Services, and Housing First Minnesota's Nick Erickson and David Siegel testified during the hearing.

Housing First Minnesota submitted its official comments to the record and issued rebuttals to other comments written in support of the code and its process. Judge Case will issue her decision after the public comment and rebuttal periods.

Housing First Minnesota’s David Siegel (top), Minnesota Construction Law Services’ Courtney Ernston (center), and Housing First Minnesota’s Nick Erickson (bottom) speak during the virtual hearing.

14

The Digest

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

REGULATORY ADVOCACY

Arguing the Affordability Case for the Energy Code An administrative law judge held a hearing on Aug. 3 to determine whether or not Minnesota should adopt a new residential energy code. The hearing was required under federal law and included a review of the Department of Energy’s model code utility bill savings.

This hearing and a public comment period lay the groundwork for an upcoming recommendation by Justice Eric Lipman, who will advise the Commissioner of Labor and Industry on the energy code update. The ultimate decision on proceeding with the adoption of a new residential

energy code lies with the Commissioner.

Housing First Minnesota provided the initial public testimony and set the tone for the hearing on why we are opposed to a new energy code. The primary reason is the fact that Minnesota is already building the most energy-efficient homes in the country. Additionally, our market is grappling with a housing affordability crisis and homeowners cannot afford the added cost that comes with the new residential energy code.

The judge’s recommendation is expected this fall.

REGULATORY ADVOCACY

Hearing on the Met Council’s Land Policy In one of its few annual gatherings, the Legislative Commission on Metropolitan Government held an August hearing to discuss the Metropolitan Council’s role in housing and homelessness.

Prior to the discussion, Housing First Minnesota submitted comments to the commission stating that the Metropolitan Council’s land use policies, coupled with local government’s implementation of these policies, are two of the most consequential roadblocks creating land availability barriers to homeownership in the

Twin Cities. Land supply constraints are a leading factor in the high land costs that exclude many affordable home options in our region. Housing First Minnesota argued that a larger supply of available land would help to moderate land costs and bring us a step closer to a healthy array of housing choices in our region.

The legislature is expected to have additional discussion surrounding land use policy next legislative session as it works to address comprehensive housing policy reform.

FOLLOW OUR ADVOCACY EFFORTS ON TWITTER FOR THE LATEST UPDATES

@HFMNADVOCACY

FOLLOW OUR ADVOCACY EFFORTS ON TWITTER FOR THE LASTEST UPDATES

@HFMNADVOCACY

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

15

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IN THE INDUSTRY

July by the Numbers COMPARED TO 2019

INDUSTRY DATA

BUYERS SIGNED 6,866 PURCHASE AGREEMENTS

MONTHS’ SUPPLY OF INVENTORY WAS DOWN

6,940 CLOSED SALES, UP 3.4%

TO 1.9 MONTHS

INVENTORY LEVELS FELL

MEDIAN SALES PRICE ROSE

shows little signs of letting up.

The competitive market is clearly pushing more buyers to new construction. New single-family homes saw the strongest sales increase, up nearly 20% over July of last year.

TO 9,348 UNITS

TO $312,500

“With interest rates at record lows, in some cases below 3%, we are experiencing strong demand from buyers to lock in their purchases,” said Patrick Ruble, president of the Saint Paul Area Association of REALTORS®. “If not for the pandemic, some of these accepted offers in July that set new records might have taken place in May or June.”

SINGLE-FAMILY SALES

FORECLOSURE SALES

CONDO SALES

SHORT SALES

Historically Low Inventory Puts Pressure on New Home Sales A continued drop in inventory of homes for sale has existing home prices surging and sales of new construction homes on the rise.

According to the Minneapolis Area REALTORS®, inventory of homes for sale in the Twin Cities dropped by 28% month over month in July.

With the drop in inventory, it is no surprise the median sales price spiked by 10% to $312,500.

Despite the drop in listings, there were 6,866 pending sales in July, the highest figure since at least 2003. The REALTORS note that multiple offer situations are still very common and that the competitive market for buyers

10.3%

Pending July Sales TWIN CITIES 7,000

+10.3%

+5.4% 6,242

6,000

+1.8% +12.7% -0.7% +0.9%

-12.1% +16%

5,000 -24.5% -8.6%

4,000

+4.3%

7.3%

42.1%

10.8%

6.7%

TOWNHOME SALES

PREVIOUSLY OWNED SALES

TRADITIONAL SALES

NEW CONSTRUCTION

2.6%

4.6%

2.5%

27.7%

BY CATEGORY

PRICE RANGE $350,001–$500,000

-36.9%

19.1%

2020

2019

2018

2017

2016

2015

2014

2013

2012

2011

2010

2009

2008

2007

2006

2005

2004

2003

0

CHANGES IN SALES ACTIVITY VARIED BY MARKET SEGMENT

Strongest Sales

2,000 1,000

10.4%

-3.9%

+32.7%

3,000

(5-6 MONTHS IS BALANCED)

+4.1%

+19.8%

+11.6%

28%

29.6%

SOURCE: MINNEAPOLIS AREA REALTORS®

want more Market data?

SEE THE LATEST HOT SHEET AT BLOG.HOUSINGFIRSTMN.ORG

SPONSORED BY

PROPERTY TYPE SINGLE-FAMILY DETACHED

5.3%

CONSTRUCTION STATUS NEW CONSTRUCTION

16.5%

SOURCE: MINNEAPOLIS AREA REALTORS®

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

17

ADVOCACY IN ACTION

Elections Matter to Housing, Especially This One The global pandemic has added to the already dire housing affordability and supply problems in Minnesota. Housing inventory continues to drop, home prices continue to rise, and as the housing industry works to meet the demand from the lack of existing homes for sale, builders are met with additional supply chain cost barriers from the pandemic, which are piled on top of the already sky-high regulatory costs and land prices in our state.

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The Digest

It is clear that it is time for lawmakers to take action and create real solutions to fix our housing crisis in Minnesota. This means it is even more important that we elect housing champions to make those decisions with homeownership and housing affordability at the forefront.

There is no simple one-step solution to fixing our broken housing market. The policy changes needed are at all levels of government. On top of it being a presidential election year, all 134 seats in the Minnesota House and 67 seats in the Minnesota Senate up for election in 2020. Not to mention the hundreds of local races around the state. That means from the top of the ticket on down to local races every vote on election night will impact housing.

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

We need elected officials at all levels that understand the problem and are committed to working on solutions that allow us to build enough homes to supply our market. Minnesota can start by lifting the roadblocks that exist today. Requirements for large homes on large lots with large garages, cosmetic exteriors, and winding through a long, complicated, and inefficient review process, have made building new starter homes virtually impossible. For our state to move ahead and tackle the disparities in our communities, we must be able to build new starter homes and get back to the housing market basics that made our state a leader in homeownership.

How elections impact housing

HOUSING FIRST MINNESOTA’S LEGISLATIVE ENDORSEMENTS

ALL LEVELS OF GOVERNMENT TOUCH HOUSING

LOCAL Local governments are ground zero for housing projects.

Land development, zoning, permitting, and inspections all happen in the cities and townships throughout Minnesota. Elected officials at the local government level must balance the responsibility of providing a community-based plan for growth and fairness and affordability for new residents purchasing homes.

S TAT E State legislators are critically important to Minnesota’s housing market. While cities are the on-the-ground government presence, their authority comes from the legislature. As we’ve observed sky-rocketing permit costs, restrictive zoning requirements, and a surge in local government costs for new home residents—the legislature has taken notice. Legislators have the ability to look at housing and local government needs more broadly and have taken steps in the last two years to prioritize housing legislation. The creation of the Commission on Housing Affordability, as well as the

Senate Select Committee on Homeownership & Housing Affordability, sends strong signals that housing will continue to be a major issue at the State Capitol.

CONGRESSIONAL While housing is rooted in state and local policies, the U.S. Congress has influence over major programs relating to environmental and financial institution regulations.

Additionally, federal tax legislation and other finance plans from Congress have an impact on housing that is eventually felt at the local level.

EXECUTIVE The presidential race is important for housing, as the president influences a significant portion of the national discussion. For the housing industry, emphasis from the White House on homeownership is an important element that ripples across all levels of government.

Additionally, U.S. presidents and their administrations have increasingly utilized executive orders to make regulatory changes on issues relating to housing regulation and finance.

Housing First Minnesota’s Political Action Committee (PAC) recently announced candidate endorsements for 2020.

Housing First Minnesota’s PAC endorsement reflects each candidate’s demonstrated commitment to a vibrant housing market that ties together the communities of our great state.

The endorsement process utilized an analysis of a candidate’s voting record, candidate questionnaire, personal interviews for first-time candidates, and demonstrated support for Housing First Minnesota’s policy platform.

Further endorsements may be considered prior to the election.

We look forward to working with these housing champions during the 2021 legislative session.

TO VIEW THE FULL LIST OF ENDORSEMENTS, VISIT OUR HOUSING FIRST MINNESOTA BLOG AT

BLOG.HOUSINGFIRSTMN.ORG.

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

19

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BUSINESS TIPS

APPROACH 1

A N T I C I PAT E R E V E N U E The approach that starts by anticipating revenue works better for those industries whose prices are market driven because it is easier for them to anticipate revenue.

There are three steps to this approach:

STEP 1

CREATING A BASIC BUSINESS

Budget Every successful business needs a budget.

Janice Meyer, Housing First Minnesota’s vice president of finance, breaks down budgeting approaches as you head into 2021.

Project your anticipated goal for revenue. Base this on current or last year’s results as a starting point.

STEP 2

Project your gross profit goal. This is calculated by multiplying annual revenue by the margin percentage to get gross profit dollars created. Industry ranges for gross profit margins are 20-30% for new homes, 33-40% for remodeling.

EXAMPLE Revenue $1,000,000

If you’re wondering how to prepare a 2021 budget amid unprecedented uncertainty, join the club, it’s crowded! Some industries have fared better than others during the pandemic, construction being one of them. But there are still pressures facing the industry such as supply chain disruptions and related price fluctuations. These pressures are not likely to see relief anytime soon and should be considered when budgeting for 2021. Other budgeting factors to consider are increased wages. This could be either for lost time wages, as staff may not be working while waiting for COVID-19 test results, or simply the need to stay competitive in the marketplace to retain talented workers. On a positive note, with interest rates at historic lows, financing expenses should be lower which can offset some of the other increased expenses, and this is also good news for consumers wanting to purchase a new home or remodel an existing home.

So, why do you need a budget? A budget is a basic ‘roadmap’ to get you where you want to go. Along with defining your vision, mission statement, and goals, it is an integral part of business planning. Creating a budget does not have to be a difficult task, and it is enormously beneficial to enable you to measure whether you are on track for your annual revenue, salary, and profit goals. Half the work of budgeting for the following year is done by preparing accrual and detailed financial reports, such as the income statement, in the current year. While past performance does not always predict the future, looking at trends in your revenue and expense line items from the past few years and then considering factors of the current environment can give you a good starting point.

There are two budgeting approaches: Approach 1 – Anticipate revenue for the year; Approach 2 – Anticipate operating expenses and profit for the year.

× Gross profit margin 30% Gross profit

$300,000

The difference between the revenue and gross profit is the budgeted cost of goods sold (COGS), $700,000 in the example.

COGS includes material, labor, labor burden, trade contractors, and all other construction-related expenditures. For suppliers, this would be the wholesale cost of the product you are selling.

STEP 3

Calculate your net profit. From the gross profit, subtract the overhead expenses that are needed to run the business—this will leave you with net profit. The gross profit needs to cover expenses such as rent, business insurance, vehicle expenses, software, consulting, office expenses, taxes, and owner’s salary. When evaluating overhead expenses, it is useful to look at the past year and then adjust for inflation and any anticipated new expenses for the coming year.

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

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BUSINESS TIPS

APPROACH 2

A N T I C I PAT E O P E R AT I N G EXPENSES AND PROFIT This approach works well for those who have more latitude to negotiate prices and scope of work, such as custom builders, remodelers, and service providers. This approach is preferable because it creates a concrete goal and also tells you how much you must sell, not just what it might be nice to sell. There are six steps in this approach:

STEP 1

STEP 5

Project salary. Define a legitimate goal for owner’s salary.

STEP 2

Determine what level of net profit your company needs for future growth. A suggested goal would be 10% of revenue.

Calculate Revenue. Divide the total of owner’s compensation, net profit, and operating expenses by the gross margin percentage to get the amount of revenue you must produce to make your plan work.

Here’s an example: EXAMPLE Owners’ comp $100,000 + Net profit $100,000

STEP 3

+ Operating expenses $200,000

Categorize expenses. Go through your business expenses and categorize the operating expenses you incur regardless of your sales volume (rent, insurance, utilities, financing costs, marketing expenses).

STEP 4

Set pricing. Set realistic levels of pricing for your product and determine your gross profit margin percentage.

$400,000

÷ Gross profit margin 30% Revenue

$1,333,333

STEP 6

Perform a reality check to see if the sales volume is realistic.

If not, you will need to look at reducing some overhead expenses or finding ways to lower your cost of goods sold.

At some point, you will also want to prepare quarterly and, ideally, monthly budgets that reflect seasonal trends in the business or certain events that occur only periodically throughout the year (think Parade of Homes!). Remember that initially you do not need to go into that level of detail to gain tremendous benefits from planning a simple budget for your business.

22

The Digest

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

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BUSINESS TIPS

Leveraging Your Wins With awards season in full swing, you may find yourself with some important nominations—or even a win!

Winning a prestigious industry award is a big deal, and so are the marketing opportunities it brings to your business. From making a list of top companies in the area to awards for exceptional design and products, these achievements can be an important selling point when you’re meeting with potential clients. So, how do get these most out of these achievements? Here are some tips to leverage your wins.

Send a Press Release Tell the world! Earn some free ink by sending a press release.

Determine your press list. Your prime opportunities will be with local community news outlets, trade publications, and if you won an award for your home or remodeling project, the city in which the home is located.

Prepare your press release and accompanying materials.

Writing a basic press release can be simple. Include the answers to the basic journalism questions of who, what, where, when, and why. But don’t stop there. If you won a design award, have your designer write up a design statement and incorporate it into the release.

If your win was for a home that is sold, ask your buyer to provide a statement on why they love the home and how it suits their lifestyle. Use quotes from your owner, vendors, sales agents, and others to bolster your story. Plus, supply photos with captions whenever possible.

It’s important to remember that editors and reporters are interested in news, they don’t want to just print free advertising, so make sure you present the information factually, without a lot of promotional hype.

Did you know we share award announcements within the Member News section of the Digest?

SEND YOUR ANNOUNCEMENTS TO LAURA@HOUSINGFIRSTMN.ORG

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

Refresh Your Website & Marketing Materials Keep your collateral up to date.

Add your new award or achievement to your advertising, brochures—even your business cards and your email signature.

Whether you have a page on your website dedicated to awards and achievements or you include your awards and affiliations within your footer or sidebar, keep this content current. If you have a blog on your site, make sure you highlight the award within a blog post and include it in your next newsletter.

Share on Social Social media is an excellent way to share the news with those interested in your businesses.

Showcase any badges or logos affiliated with your win on your cover image and include your big wins in your social bios.

Don’t be afraid to post about it more than once—break it down into multiple posts to extend the excitement and share different sides to the story.

Some examples:

• An image of your team receiving the award • A statement from your homeowners or clients • Photos featuring what made it an award-worthy project or product • Links to articles written about the achievement— both from news sources or from your company blog Social is also a great opportunity to recognize and tag any partners who helped with the award-winning project.

Helping your partners cross promote strengthens both your achievements.

Now that you are ready to maximize your win, go out there and share the good news about your accomplishment!

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

25

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Q+A

Q.

What are some things to keep in mind when exploring health plans for my company?

Ask the

Insurance Expert North Risk Partners It’s been one year since an association health plan (AHP) was approved and offered for those involved in residential homebuilding throughout Housing First Minnesota. Eligible members of Housing First Minnesota are now able to sign up for comprehensive insurance benefits through Blue Cross Blue Shield (BCBS), Minnesota’s largest health insurer.

Association health plans allow small businesses from within the same industry to obtain health care coverage as if they were a single large employer. This is the first association health plan to be approved by the state in several decades.

Enrollees in the program are experiencing savings that average 10-12%. The plan is administered by a consortium with assistance from North Risk Partners.

We asked the experts at North Risk Partners to answer some common questions about insurance and the AHP as we head into Q4.

Nowadays it seems employers are using health care programs to attract and retain employees. If employers want to say competitive within their industry, the determining factor for many can come down to the benefits program they’re able to provide. As health care costs continue to rise year after year, finding options to keep your costs low while still providing a competitive package is an integral part of continuing and maintaining a successful business. Our goal is to listen and learn what you and your employees want out of your health plan. Every business is different so every strategy needs to be built differently.

Q. What size and types of companies can enroll in the AHP? Flexible plan designs are available for small businesses with 2-99 employees (husband and wife teams do not qualify), plus you must meet the eligibility requirements. AHP gives a variety of coverage options, so employees have more choices.

Q.

Anytime! Many companies find it convenient to enroll Jan. 1, but you don’t have to wait until the fourth quarter to reach out. It’s the busiest time of the year for most insurance companies, and we want to make sure you receive the time and attention you deserve.

Q. Have business questions you’d like to hear from an expert on?

We’ll feature a Q+A with various experts and topics each issue.

Send your questions to

When can I enroll?

Can I switch at any time?

This is a great question! Yes, you can look at health insurance any time of the year.

Our job is to review and communicate the options and potential pitfalls of making changes mid-year. Additionally, there may be options to transfer your deductibles used to date to the new plan (as long as you are moving from a group plan and not an individual plan).

ASK@HOUSINGFIRSTMN.ORG

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

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27

Q+A

INSURANCE EXPERT ANGIE JOHNSON

Q.

What type of coverage does the AHP plan offer?

There are currently eight plan options with Blue Cross Blue Shield of Minnesota. These plans vary from co-pay options with different deductibles to low and high deductible HSA plans.

Q. How do I know if my business qualifies to be offered an option for the AHP? Current members of Housing First Minnesota qualify for the plan if their business is directly related to the construction industry (i.e.: builders, remodelers, and suppliers) and to those that physically perform services on site, such as landscaping contractors.

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Q.

What makes this health plan different from the standard small group program?

This program is not age-rated like the standard small group program.

It is underwritten by BCBS of Minnesota and each company will be presented with a single, composite rate for all employees.

Q.

I’m interested in looking at starting a plan, but how should I start the process?

It’s simple—no matter where you are at in the process, give us a call. We’d be happy to provide the steps to effectively implement a plan whether it be starting from the basics, budgetary review, or if you are ready to implement the Housing First Minnesota AHP.

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

NORTH RISK PARTNERS

Angie Johnson of North Risk Partners has more than 20 years in the insurance industry. Having been both on the carrier and the agency side, she has a broad understanding of how the game of insurance works. Additionally, she has worked in an interior painting and precision demo construction company in both accounting and fieldwork roles. Doing this has helped her gain a better understanding of what her clients’ successes and struggles are day to day.

INSURANCE EXPERT CHARLIE RAEKER NORTH RISK PARTNERS

Charlie Raeker of North Risk Partners has 2+ years of experience as a hybrid producer within the insurance industry.

As a hybrid producer, Charlie manages both property and casualty insurance as well as health care benefits for his clients. He spent his previous four years working for a national hardware distribution company where he was able to learn the ins and outs of the manufacturing and construction industries which has helped turn him into a trusted advisor for contractors within the state.

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Housing for Heroes:

Two New Homes for Veterans The need for safe, stable housing for our homeless neighbors is at its greatest height. This year, the Housing First Minnesota Foundation has completed a fourth home to support veterans in need of transitional housing and has broken ground on a fifth.

These community build projects provide association members the opportunity to give back to their communities while making a lasting impact on lives for years to come.

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

BUILDING FUTURES

North St. Paul Celebrates New Veteran Home North St. Paul Veterans Park welcomed the public to a free event on Aug. 15 to celebrate the park’s 5-year anniversary. As part of the event organized by the city of North St. Paul, the Housing First Minnesota Foundation and the Minnesota Assistance Council for Veterans (MACV) hosted tours of the Housing for Heroes North St. Paul project.

The home, constructed by build partner Lennar, is located across the street from Veterans Park. The fourbedroom home will provide shelter for veterans and their families who need transitional housing assistance. This is the fourth house built by

the Housing First Minnesota Foundation, MACV, and Lennar for homeless veterans.

Donnie Brown, director of the Housing First Minnesota Foundation, highlighted the impact this house will have for veterans both now and in the future.

“We have a group of people who are determined to make sure that housing is available for homeless veterans. This house will be standing for years to come, and it will serve multiple people over multiple years,” Brown said. “And our work doesn’t stop here.

We plan to break ground on another home in partnership with MACV and Lennar in just a few weeks.”

Breaking Ground in North Minneapolis On Aug. 28, the Housing First Minnesota Foundation, Lennar, and MACV gathered in North Minneapolis to launch a fifth Housing for Heroes project to serve homeless veterans.

Minnesota currently records approximately 275 veterans throughout the state that are experiencing homelessness—131 are located in Hennepin County alone.

This Housing for Heroes North Minneapolis project will help to provide these veterans with stable housing.

Once completed, this 2,232-square-foot home will increase MACV’s capacity to serve more clients who are in need of a place to live.

“As the philanthropic outlet for the homebuilding industry, our gift of housing demonstrates our service to those in our communities who are in need of stable and equitable housing,” said Jody Kern, private mortgage banker at Wells Fargo and president of the Housing First Minnesota Foundation, during the groundbreaking ceremony.

“We all have felt the honor and privilege of participating in these [Housing for Heroes project] celebrations and to help out our veterans who have given so much for our country,” remarked Bill Burgess, division president at Lennar. “I think it is important for us to continue to remember to do that.”

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

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BUILDING FUTURES

Becoming a Build Partner The Housing First Minnesota Foundation has a 25-year history of building futures through housing. By leveraging the talents and resources of Housing First Minnesota’s builders, remodelers, suppliers, and volunteers, we are able to build dignified housing for people in crisis in our community.

Our build partners are the cornerstones of our projects. You bring far more to the nonprofit world than you may realize. Your knowledge, expertise, and passion for helping those in need create a powerful result.

Interested in becoming a build partner on a Housing First Minnesota Foundation community build project?

Here’s how our model works: 1. PARTNER

4. CONSTRUCTION

We partner with a housing service provider based on their request of a new construction or renovation project.

A groundbreaking event is held, and construction begins.

2. RECRUIT

After completion, the construction project is dedicated to the service provider at a ribbon-cutting ceremony.

A build partner is recruited from the Housing First Minnesota membership.

3. DONATE

Donations of labor and material are secured from trade partners and industry associates.

5. RECOGNITION

6. BUILDING FUTURES THROUGH HOUSING

Residents move into their new home and receive care and supportive services.

Consider supporting the Foundation by becoming a build partner.

Learn more at our next Become a Build Partner Breakfast on October 27 at 8:00 a.m.

REGISTER FOR THIS VIRTUAL EVENT AT HOUSINGFIRSTMN.ORG/EVENTS.

What are the benefits of serving as a build partner?

1. Investing in the community by building and renovating housing for the homeless while saving shelters thousands of dollars in construction costs.

2. Life-changing community service, employee engagement, and volunteer experience.

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3. Team building with your company, its trade partners, manufacturers, suppliers, and others.

4. Satisfaction and fulfillment from helping people secure a place to live.

5. Recognition and acknowledgment during and after the project is completed.

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

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33

The Housing First Minnesota Foundation warmly thanks Swanson Homes, the Arbits, and all of the partners who made this generous donation possible.

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

BUILDING FUTURES

More than a Playhouse For Swanson Homes and their clients, donating to the Housing First Minnesota Foundation was child’s play.

by Wendy Danks Debra and Alex Arbit had bid on and won a delightful playhouse at a Children’s Hospital charity auction a few years ago. Their three kids, Margot (7), Benny (5), and Levi (3) loved the lofted creation, so when they decided to build their dream home, it was the one thing they knew they’d miss.

Swanson Homes had built the home they were living in, so choosing them to build their new home was a natural fit. “We were so happy in that house and impressed with the quality, that we definitely put Swanson on our shortlist,” explained Debra. “Then when we met their team, we knew they were the right choice for us.”

As the Arbits worked with the Swanson team to create their dream home (completed last September), they knew they needed to add the final touch—a playhouse like the one they left behind. After talking it over, they decided it shouldn’t just be a transaction, they wanted to keep up the legacy of donating to help others.

They approached the Swanson team about partnering with them and making it a way to give back.

“They told us they wanted to use this project as a good opportunity to be more than a build between us,” reported Blake Swanson, vice president of Swanson Homes.

They all loved the idea so it was agreed, the Arbits would donate the cost of the playhouse to the charity of Swanson’s choosing while Swanson

Homes and their trade partners would complete the build.

“We’ve supported and been involved with the Housing First Minnesota Foundation for years,” Blake said. “So naturally, that’s who we chose.”

“When they agreed to the proposal, we were excited they chose the Housing First Minnesota Foundation,” Debra said. “We hadn’t been aware of the foundation, but after learning about it, we were thrilled that Swanson chose a charity as wonderful as this.”

Basing the size and interior on their previous playhouse, Swanson Homes enlisted their trade partners to join in. First, home designer Ben Nelson offered to design an exterior that would reflect the look and feel of the new home. Then, their vendors and trade partners joined in with pro-bono work and discounted materials.

The Swanson team put the finishing touches on the playhouse this spring, perfect timing. “It’s so fun to see the kids playing in there, and it’s been even more helpful this year,” Debra said. “It gives them a new space to go to at a time when we’re mostly sheltering at home.”

The family is already making good use of their new backyard play space; it has light, a fairy garden behind, and has sparked plenty of fun times. “It allows their imagination to run wild,” said Debra, who expects it to even become an extension of school this fall.

Photographer: Dan Iverson, Anthologie OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

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35

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

MEMBER SPOTLIGHT

Breaking Down Barriers These Twin Cities housing industry professionals are on a mission to inspire more women to take to the trades.

by Taylor Hugo

It’s a well-known fact that the construction industry is, historically, a male-dominated field, but that may be changing as more women take to the trades. Whether they’re putting on hard hats at job sites or making moves with a computer as their main tool, there are ample opportunities in everything from sales to marketing, designing to contracting, and everything in between—especially now, when a labor shortage and housing boom are creating the perfect environment for anyone, women and men alike, interested in a career in construction.

The following four housing industry professionals are a testament to the success that can happen when women aren’t afraid to get their hands dirty—sometimes literally.

Here, they share their career paths, challenges, and advice so that women can continue breaking down barriers in construction.

Kim Studham Owner and Founder, Prima Construction prima-construction.com

Kim Studham was exposed to construction at an early age.

Growing up on a country farm, she would often follow her dad around to make repairs and assist with home projects, including building their garage, porch, and pasture fence.

So when it came time for her to attend college, it made sense that Studham pursue a degree in architecture, but “while I loved to draw and design, I always felt the need to build, to actually see things through to be made,” she says.

This passion translated to Studham remodeling and flipping many of her own houses while homeschooling her kids, and when friends suggested that she take up building professionally, she took their advice, starting Prima Construction in 2015.

Taking part in every step of the process with her clients—visioning, designing, and building—Studham

loves helping people overcome their remodeling fears to embrace home projects that will enrich their lives.

And she encourages more women to try their hand at the trades, no experience necessary. As long as you’re a hard worker, Studham is willing to teach the rest.

“There is so much opportunity, it’s a shame more women don’t enter the trades,” she says, pointing to careers in everything from plumbing to electric, excavation to roofing, designing to general contracting.

“I’ve heard some people say women shouldn’t be taken aback by ‘the tone’ of a construction site—the swearing, the rowdiness, the yelling. I challenge the sound of a stereotypical job site. I’d rather hear the sounds of discussion instead of yelling, respect instead of intimidation, and cooperation instead of egos . . . and some hammering, too. Regardless of gender, we make our environment.”

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

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Sunny Bowman President and General Manager, Dakota County Lumber Company dakotacountylumber.com

Though Sunny Bowman’s family has owned and operated Dakota County Lumber Co. since 1984, she didn’t see herself in the construction industry growing up. Instead, she studied political economics in school, and after graduating during the Great Recession, moved to South Carolina, where she started a business as a professional organizer in Charleston.

Bowman realized it wasn’t necessarily the organizing she enjoyed, but the aspect of running a business, so in 2013, she returned home to join the family company,

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applying her experience with organizing and streamlining while learning tasks like banking and high-level decisionmaking so that her dad, the founder, could eventually retire.

Outside of Dakota County Lumber Co., she uses her role as president of the 24-person company to inspire others to join the construction industry, speaking to high school students about her career path through Project Build Minnesota and Housing First Minnesota’s workforce development committee, which she currently chairs.

“I have no problem showing up and being an example of a woman that is very competent and can do a really good job in this role. I like being that person,” she says. “I think it’s harder for women to get into the industry because they don’t see themselves represented.

If you can’t see an example of it, it doesn’t plant the idea in your mind. Once you’re here, there is a strong community of women in construction that is here to support you, so you will have that camaraderie. We’re growing stronger every day.”

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

Once you’re here, there is a strong community of women in construction that is here to support you, so you will have that camaraderie. We’re growing stronger every day.

MEMBER SPOTLIGHT

Meg Jaeger Owner and Chief Creative, Mega Remodel megaremodel.co

Meg Jaeger has built and remodeled more than 600 homes over the span of her career thus far, but the very first one was her own.

“I really enjoyed it, and then started doing a few pre-sold homes.

I got in slowly, just to make sure it was the industry I wanted to be in,” she says.

Twenty-one years later, it’s a profession that continues to be rewarding for Jaeger.

The former Housing First Minnesota president founded Mega Remodel, originally called Mega Homes, with the goal of personalizing the home-remodeling experience. Committed to offering a high-touch level of customer service to her clients, she limits the number of projects she takes on every year.

If you choose to go into this industry, you should strongly think about trying to find a mentor, becoming involved in associations or groups that can help you network in addition to collaborating with people that have like minds and like experiences.

Jaeger offers that same one-on-one interaction outside of the office, lending her time and expertise to peers and anyone thinking about a career in construction. “If you choose to go into this industry, you should strongly think about trying to find a mentor,

becoming involved in associations or groups that can help you network in addition to collaborating with people that have like minds and like experiences,” she says.

“That helps you grow from a professional standpoint and helps you educate yourself.”

Being in the industry for more than two decades, Jaeger has witnessed ample change, from continually evolving products and technology to an increase in the number of women entering the field—but there’s still plenty of room to close the laborshortage gap. “Be aware of the challenges that surround women in the construction industry,” she advises women, referring to the historically maledominated trades, “however at the same time block out the noise. You may find yourself in a position with a company that promotes an environment of collaboration between men and women, offering equality and inclusion.”

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

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MEMBER SPOTLIGHT

Alana Wynne Outside Sales Representative, Ferguson Enterprises ferguson.com

Alana Wynne says she stumbled into the construction field somewhat by accident.

A lover of design, she was already dipping her toe in the housing industry as an employee at Restoration Hardware, but it wasn’t until her uncle recommended that she sell appliances that Wynne found her calling.

I love the challenge and critical thinking.

From the design side and the creativity side of things, it creates an outlet for me.

That was in 2010. Now, 10 years later, Wynne is an outside sales representative for Ferguson Enterprises, where she spends her days selling lighting, fireplaces, appliances, and plumbing. “I love the challenge and critical thinking. From the design side and the creativity side of things, it creates an outlet

for me,” says Wynne, who has also recently started a custom closet company with her husband.

Even with her experience, Wynne isn’t immune to occasional feelings of doubt. “There have definitely been some times where I’m like, ‘What am I doing here?’ I felt very out of place,” she says of being a woman in construction.

“One of the biggest challenges for me is just being accepted and validated as being an equal to my male counterparts that work within the sales and marketing realm.”

To combat those challenges, Wynne recommends joining

a networking group like Housing First Minnesota and Women in Construction, which offer advice and support, as well as encourage more women to join the industry.

“When people think of construction, they imagine one specific category, which is out in the dirt. That’s a great place for women, too, but there are so many facets of this industry— sales, marketing, interior design,” says Wynne. “There’s good money to be made and great people within the industry. I would highly recommend any woman to at least give it a shot and see if it’s a good fit for them.”

GET RECOGNIZED FOR YOUR COMMITMENT TO GREEN BUILDING Become an industry leader in energyefficient construction with the Designated Green Path Builder program.

LEARN MORE AT

MNGREENPATH.ORG 40

The Digest

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

2 02 0 G RE E N PAT H S P ON S ORS

SEEN + HEARD

Media in the

From the fall home tours to the many golf events to our Foundation’s newest project, check out some of the places Housing First Minnesota has been mentioned on social and in the press this past quarter.

@HOUSINGFIRSTMN

‘Where’s all that money coming from?’ July was a hot month for Twin Cities homebuilders

On the Green The Golf Open, Building Futures Golf Classic, and Project Build MN golf event were all great opportunities to enjoy camaraderie and make connections out on the course.

Twin Cities homebuilders see early chill in August Builders point to COVID delays and regulatory issues for sharp decline

bravas_mn

Homebuilding permits slide in August

Electrical Code Hearing Members Courtney Ernston of Minnesota Construction Law Services and Tony Wiener of Cardinal Homes provided valuable testimony at the National Electrical Code hearing in August.

PErmit numbers Permit numbers provided by Housing First Minnesota are covered monthly by local news outlets. mnconstructionlaw

Gearing up for the Fall Parade of Homes Members prepped their homes for the Fall Parade of Homes and Remodelers Showcase.

The fall tour was featured in the Star Tribune—highlighting the 355 new homes along with the added safety precautions to keep visitors safe on the tour.

Fall home events return – with a difference Pandemic brings new protocols for perennial autumn favorites.

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

41

SEEN + HEARD

Media in the

@HOUSINGFIRSTMN

NORTH MINNEAPOLIS

Housing for Heroes Projects The Housing First Minnesota Foundation has been hard at work creating stable housing for those in need in the community. This year, they’ve wrapped up one Housing for Heroes project with Lennar and the Minnesota Assistance Council for Veterans and kicked off another.

N O R T H S T. PA U L

Minnesota Assistance Council for Veterans Bloomington

Sneak Peek Of New “Housing For Heroes” Project

N O R T H S T. PA U L

North St. Paul’s Veterans Park celebrates 5 years this Saturday with free event, tour of veterans housing project

drewgrayphoto

Fall Parade of Homes Influencers Local influencers went out to tour the Fall Parade of Homes to showcase the unique features of new homes and communities on the tour.

myminnelife

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

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Helping members manage the largest challenge they face— the subcontracted exposure.

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OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

43

SEEN + HEARD

Pulte Homes of Minnesota Charity Golf Tournament The Pulte Group came together to swing their golf clubs for a cause so that Minnesotans in crisis can have a decent place to live and rebuild their lives. The 10th Annual Pulte Homes of Minnesota Charity Golf Tournament raised nearly $20,000, for which they have generously named the Housing First Minnesota Foundation as the benefactor.

JULY 15, 2020

44

The Digest

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

SEEN + HEARD

Housing First Minnesota Golf Open The annual Golf Open at Majestic Oaks Golf Club was a fun-filled day with great prizes, delicious food, and wonderful company. Thank you to all our golfers and sponsors who made it a fantastic day on out on the course!

August 5, 2020

PRESENTING SPONSOR

HOLE-IN-ONE SPONSORS

GAME SPONSORS

PUTTING GREEN SPONSOR

ABC Supply Co., Inc.

MJ’s Contract Appliance, Inc.

Andersen Windows Black Hawk Garage Door Brush Masters, Inc.

BRAT SPONSORS

CenterPoint Energy

Ferguson Enterprises

Creative Lighting, Inc.

The Home Mag

DPIS Builder Services

JL Schwieters Bldg. Supply/ Const., Inc.

Fireside Hearth & Home FocalPoint Flooring, Cabinets, & Design IDC-Automatic Garage Door In-Focus Systems

BEER SPONSOR Schluter Systems

Lampert Lumber Lyman Lumber Co. Marvin

CONTEST SPONSORS

Minnesota Construction Law Services, PLLC

All, Inc.

New Age Technology, Inc.

Blue Cross Blue Shield

North Risk Partners

The Excelsior Group, LLC

Pella Windows & Doors

LP Building Solutions

Schwieters Companies, Inc.

Marvin

Bayer Built Woodworks, Inc.

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

45

SEEN + HEARD

Building Futures Golf Classic Members teed off at the Foundation’s annual golf event to work on their swing, network, and help support the community build projects that are changing lives.

GAME SPONSORS James Hardie Building Products Lyman Lumber Co.

The Digest

Xcel Energy, MN Gas Business Dev.

North Risk Partners Pella Windows & Doors Warners’ Stellian Appliance

September 15, 2020

46

DRIVING RANGE SPONSOR

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

BRAT SPONSOR Dakota County Lumber Company

BEER SPONSOR

DESSERT SPONSOR

DPIS Builder Services

In-Focus Systems

CONTEST SPONSORS Contract Interiors, Inc. LP Building Solutions

Roofing Siding Windows Tools Gutter

Serving the Professional Contractor

Accessories

ABC Supply is the largest wholesale distributor of roofing in the United States and one of the largest distributors of siding, windows, and select exterior and interior products. Founded in 1982, ABC currently has more than 760 locations nationwide. Specializing in select product lines and categories, ABC offers the professional contractor competitive pricing, superior service, and the highest quality building materials available.

Check us out online at abcsupply.com or visit us in: St Paul - Minneapolis - Coon Rapids - Savage - Maple Plain - Roseville - St Cloud - Rochester - Oronoco and Mankato

We specialize in:

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CHECK OUT OUR WEBSITE WWW.EROSIONWORKS.NET OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

47

SEEN + HEARD

&

Member News Announcements

New members JUNE–AUGUST 2020 Blue Cross Blue Shield John Cooper

BlueCrossMN.com | 507-208-9519

Boone Builders Michael Uzelac

612-599-0477

Builder Jones Development Steve Jones

BuilderJones.com | 952-378-4122

HAVE NEWS?

SEND YOUR ANNOUNCEMENTS TO LAURA@HOUSINGFIRSTMN.ORG

Cove Builders, LLC Todd LaVine

CoveBuilders.com | 612-470-5050

Create Design Build, LLC Sandra Mahoney

CreateHome.net | 612-597-8900

A wa r d s Minnetonka’s Best Builder Congratulation to John Kraemer and Sons, Inc. for being named Lake Minnetonka’s Best Builder

by Lake Minnetonka Magazine and Edina’s Best Builder and Remodeler by Edina Magazine!

Fine Line Builders, LLC Daniel Lang

FineLineBuildersllc.com | 651-900-1344

Gotcha Covered of Prior Lake Chris Kartschoke

GotchaCovered.com/Southwest-Suburbs 612-991-1140

GreenHalo Builds John Sharkey

GreenHaloBuilds.com | 612-327-4457

Innovative Basement Authority Paul Gustafson

InnovativeBasementAuthority.com 612-398-3138

Ivy Ridge Home Builders, Inc. Roger Hokanson

IvyRidgeHomeBuilders.com | 763-784-4792

LDM Electric Erin Ogilvie

LDMElectric.com | 763-205-4666

Excellence in MPI Meeting/ Event of the Year

MN Fine Homes and Remodeling, Inc.

Congratulation to Housing First Minnesota’s Nicole Coon who was presented the Excellence in MPI Meeting/Event of the Year award for the Skills Demo activity at the 2020 Builders and Remodelers Show. Congratulations to all involved in this this momentous achievement!

Noberg Homes, Inc.

Amber Ellison

MNFineHome.com | 763-760-0250 Wade Tollefson

NobergHomes.com | 763-213-2536

Nordic Lighting Nels Peterson

NelsPeterson.com | 612-297-8870

Patriot Builders II, Inc. Tim Bruner

PatriotBuildersII.com | 612-328-8396

Pro Drywall & Painting, Inc. Blake Palmer

ProDrywall.com | 763-424-3314

Remax Advantage Plus

New member Recruiters

Robert Engstrom Companies Robert Engstrom

Builder Jones, LLC Rob Eldridge

Filament Lighting & Home Deborah Earl

48

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

Shawn Lake

952-447-5639

Sunspace Twin Cities Brandon Williamson

SunspaceTwinCities.com | 651-505-0062

TopFlight Exteriors Ciera Munoz

TopFlightExteriors.com | 763-228-6056

C o n g r at u l at i o n s

Welcome to the newest members of the Michels family, Adley Jo and Quinn Charlie!

Congratulations to Andy and Amber Michels of Michels Homes who welcomed two healthy and beautiful baby girls in May!

Congratulations to the Radford Family Congratulations to Paige Radford, director of brand management and marketing at Robert Thomas Homes, on the newest addition to her family! Paige and her husband, Beau, welcomed their bundle of joy, Elaina, this June.

Health has never been more front of mind Offer your employees a powerful, industrybacked health insurance program at amazing rates. Housing First Minnesota members average 10-12% savings.* More than 900 member companies are eligible.

ENROLL NOW

Condolences Julie Krahn Our sympathy to the friends and family of Julie (Foster) Krahn. Julie passed away peacefully on Aug. 27. Julie was a relationship builder who could immediately put anyone at ease with her welcoming smile and warm personality. She was energetic and endlessly creative. She spent most of her adult life working in sales and forming memorable relationships with her coworkers throughout the years, including at Minnesota Monthly and most recently at Bachman’s. She will be greatly missed.

Contact your insurance agent to learn more about the most comprehensive and affordable group health insurance coverage in Minnesota. The Housing First Minnesota Association Health Plan (AHP) is fully insured by Blue Cross® and Blue Shield® of Minnesota, and is managed by North Risk Parnters. *Policy pricing varies per company/individual

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

49

MEMBERSHIP

“Talent is everywhere.

Not all talent has access.”

Megan Smith, Former CTO of the United States

Diversity, Equity, and Inclusion Task Force Launched While we may pride ourselves as a state and metropolitan region because we are touted on many positive lists, we are sadly cited as having one of the largest gaps in homeownership between whites and communities of color in the nation.

As the state’s leading housing voice, we know one of the major reasons for the disparity is the high cost to build new homes here, which is driving up the price of existing homes, and rents.

Our for-sale inventory is the lowest in the country and multiple reports ranging from national economists to the Minnesota Governor’s Housing Task Force have identified the need for the private sector to substantially boost production.

Housing is our lane and as the industry association, we want to begin some of the difficult, game-changing conversations that must occur about

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competing priorities such as safety and affordability. This is one of the key reasons Housing First Minnesota has created a Diversity, Equity, and Inclusion task force to supplement the work of our Advocacy Committee.

Additionally, we have long sought to bring more youth from communities of color into our industry. To help address this challenge, we were a founding member of Project Build Minnesota and we have expanded the role of our Education Committee to include workforce development.

And finally, we want to be sure as the industry association that we are intentional about seeking engagement from underrepresented communities such as women, LGBTQ, communities of color, and indigenous peoples. We define diversity broadly and we want all voices engaged in our association.

HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

The task force has held its first meeting and our top priority is to listen and learn. We also intend to reach out to an array of groups to have conversations, such as the Hispanic Contractors Association and the Midwest Chapter of the National Association of Minority Contractors.

Tackling the challenges presented in seeking to advance diversity will not be easy, or short term. But Housing First Minnesota always takes the long view and is driven by its passion for the cause. We look forward to deep and sincere efforts and invite you to participate.

Get Involved!

FOR DETAILS, CONTACT

KATE@HOUSINGFIRSTMN.ORG

Inspiration starts at home.

Stop in to visit our newly remodeled showroom today!

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When the water gets choppy, are you able to adjust course or will you get caught in the storm?

Adjust Course to Thrive and Sustain Over Timeâ„¢ www.theResultants.com

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

51

DISCOUNTS

New Vehicle Discount

Member Discounts

JEFF BELZER’S

Save $750 from one of the most popular auto dealers in Minnesota when you purchase any NEW vehicle. Other great incentives include free service loaner vehicle, free pickup and drop-off for service work, and express commercial service.

Housing First Minnesota has brought together an array of members-only benefits that positively impact your bottom line. We seek companies that thoroughly understand the building industry and provide products at rates generally not available on the street.

Give these folks a chance to see what they can do. We think you will find they can save you money and provide you better service.

Jarret Petsch 952-469-7063

Product Discounts

Gas Discounts

HOMESPHERE

HOLIDAY

Learn how you can join over 2,000 builders receiving incentives and rebates from building product manufacturers.

Save 6 cents on every gallon of gas from Holiday Stationstores.

Special promotion for Housing First Minnesota members who are new applicants—10 cents off the first 90 days.

Melissa Wolf 331-431-7433 MWolf@HomeSphere.com Connecting new home builders to the top manufacturing brands nationwide

Don Keis

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Robert Schafer 612-212-7496 Robert.Schafer@WEXInc.com Speedwayfleetcards.com

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Learn how you can join over 2,000 builders receiving incentives / rebates from building product manufacturers

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SHERWIN WILLIAMS

Competitive and customizable pricing for members on architectural coatings, chemical coatings, industrial coatings, and paint supplies/rollers. Members also have the option of receiving a local quote on wall coverings, floor coverings, window treatments, and spray equipment.

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6/6/17 2:48 PM

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

Save 22% off monthly cell service or 18% off personal cell service for companies performing a significant amount of physical construction services, as well as architects, engineers, and surveyors.

NPP 800-810-3909 CustomerService@MyNPP.com

SPONSORS

Elite Sponsors Housing First Minnesota would not be as strong or successful without our Elite Sponsors.

Thank you to our biggest associate supporters!

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OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA BATC_JanMar20.indd 1

The Digest 12/2/19 4:21 PM

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CONTINUING EDUCATION FOR MINNESOTA CONTRACTORS

Whether you are taking courses for credits, or just to learn, Contractor University will provide useful and practical knowledge to apply to your job or business! You’ll find courses on building/ energy codes and the latest in building science taught by experts in their fields. Plus, legal, business management, and specialized courses you won’t find anywhere else.

NEW & EASIER ACCESS TO ONLINE COURSES!

PICK & CHOOSE THE COURSES MOST VALUABLE FOR YOU | AVAILABLE ANYTIME!

Building Blocks of Business Management 1 Credit (Business)

Insulation: Why Where - What 1 Credit (Energy)

The Basics of Manufactured Wall Panels 1 Credit (General)

Cyber Security for Builders: What You Need to Know About Cyber Security Threats and Social Media 1 Credit (Business)

Minnesota’s New Wage Theft Law 1 Credit (Business)

The Exterior Wall Envelope: Cavity Wall Insulation 1 Credit (Energy)

New Home Construction: From Permit Application to Final Inspection 7 Credits (Energy)

The How and Why of Exterior Insulation 1 Credit (Energy)

From Control Layers to High-Performance Enclosures 2 Credits (Energy) How to Deal with a Crazed Homeowner: Responding to a Homeowner’s Aggressive Threats and Tactics 1 Credit (Business)

Permanent Wood Foundations: A Tested Solution for New Code Changes 1 Credit (General) So, Tell Me About Your Problem House 1 Credit (Energy)

The Nuts and Bolts of Business Management 1 Credit (Business) Winning with Mechanics’ Liens 1 Credit (Business)

TRAINING FOR YOUR MINNESOTA CONTRACTOR LICENSE THIS COURSE OFFERS EVERYTHING YOU NEED TO PREPARE FOR THE EXAM

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

CONTRACTOR UNIVERSITY IS ACCREDITED BY

®

One Year Later Branding firm Ignyte explains that, “A brand is the way a company, organization, or individual is perceived by those who experience it. More than simply a name, term, design, or symbol, a brand is the recognizable feeling a product or business evokes.

Brands, then, live in the mind.

They live in the minds of everyone who experiences them: employees, investors, the media, and, perhaps most importantly, customers. Simply put, brands are perceptions.”

It’s critically important, then, for us to think about our brand as your professional industry association and marry that brand with our agenda of removing regulatory barriers, creating more inventory, and addressing affordability.

We began looking at our brand more than five years ago with extensive research. What we found is that our members see us a rock solid, influential, respected, trusted, actionoriented, and focused. That’s great, but as we considered the brand of homebuilding and remodeling outside of our bubble, we came to understand that we had a problem. While firefighters have an approval rating among policymakers and influencers in Minnesota that surpasses 90%, the same cannot be said for builders or REALTORS. The brand of Builders Association of the Twin Cities (BATC), while perhaps adequate for our members, is hugely challenging outside of the industry.

Homeownership and housing, however, have exceedingly favorable ratings surpassing 85% across our state.

DAVID SIEGEL 2020 HOUSING FIRST MINNESOTA EXECUTIVE DIRECTOR

With data in hand, we began work to look at our name, our graphic look, and even the way in which we talk about our industry. For example, research clearly showed it’s far more powerful to describe our efforts as creating an environment in which Minnesotans can purchase the home of their dreams in communities they

love, as opposed to discussing the removal of regulatory barriers. It is far more powerful to talk about the homebuyer, who ultimately pays added costs, than it is the builder or remodeler.

All of this in-depth background work brought us to the new brand Housing First Minnesota, which we adopted one year ago after two transitional years as BATC-Housing First Minnesota.

The rebrand has worked beautifully— policymakers, the media, and key influencers all have adopted the new brand readily. And our members are adjusting well. Some of the members still call the organization BATC, and perhaps always will, and that’s just fine. But as the new generation of members comes on the scene, they will know us as Housing First Minnesota, a powerhouse organization in Minnesota that is indeed rock solid, respected, action-oriented, focused, and influential not only within the industry, but outside of it as well.

We’ve been able to move to this new brand while retaining the tremendous equity in our legacy lines such as the Parade of Homes, Remodelers Showcase, Artisan Home Tour, Minnesota’s Green Path, and Contractor University. Each of these brands continues to live positively in the minds of the appropriate target audiences.

As we approach the one-year anniversary of Housing First Minnesota, we can be extremely proud of what we’ve accomplished— extending the influence of this industry’s professional association to set the stage for real change in harmful policies, while maintaining the strength of the organization itself and its major product lines. Kudos to the Housing First Minnesota board of directors for its leadership and vision in driving the organization forward and modernizing their industry association. And happy birthday Housing First Minnesota.

OCTOBER-DECEMBER 2020 | HOUSING FIRST MINNESOTA

The Digest

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HOUSING FIRST MINNESOTA | OCTOBER-DECEMBER 2020

The Builders Group............................................................................ 28 The Resultants....................................................................................51

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