T i d e wat e r
The official magazine of Tidewater Builders Association
April 2009 Vol. 56, Number 3
YouthBuild Youthbuild lays the foundation for success Financing in 2009 Surviving the times Enhance your curb appeal, sell your house
T i d e wat e r
The official magazine of Tidewater Builders Association
April 2009 Vol. 56, Number 3
The mission of Tidewater Builders Association is to improve the climate for affordable housing; promote the growth and development of the shelter industry; promote excellence and professionalism among members through education and networking opportunities; and support and enhance the community through charitable projects.
After completing a house in Portsmouth in five months, YouthBuild Program students work to install doors on an auxiliary building for Chesapeake Service Systems. They are, from left to right, Khadir Barner, Instructor Billy Vick, Rico Nixon, Luis Soto, Donterrio Jones and Shawn Everrett.
OFFICERS: Pete A. Kotarides, president; William H. Halprin, vice president; James E. Jackson, associate vice president; Charles J. Miller II, treasurer; S.L. “Sam” Cohen, secretary; Steven E. Lawson, appointee; Edward R. Sadler, immediate past president BUILDER DIRECTORS: Richard L. “Tuck” Bowie, Scott G. Brooker, Christopher J. Ettel, Dennis M. Graf, Pete O. Kotarides, Steven E. Lawson, Lucky C. Peterson, Stephen B. Quick IV ASSOCIATE DIRECTORS: G. Robert Aston Jr., J. Gregory Dodd, Thomas W. Dye, Scott M. Gandy, Brenda K. Reid, Samuel G. Scott, H. Mac Weaver II, Edward O. Yoder DIRECTORS EMERITI: Edward P. Brogan, William J. Fanney, Richard D. Guy, Doyle E. Hull, Frederick J. Napolitano, Richard E. Olivieri, John H. Peterson Jr., The Honorable Owen B. Pickett, Julian Rashkind, Stanley Waranch, Howard M. Weisberg, Wendell A. White CHIEF EXECUTIVE OFFICER: Channing A. Pfeiffer The Tidewater Builder is published monthly, January through December, by Tidewater Builders Association, located at 2117 Smith Ave., Chesapeake, VA 23320. Editorial deadline is 5 p.m. on the 1st of the month preceding publication. Advertising deadline for copy and insertion order is 5 p.m. on the 10th and for cameraready ads, 5 p.m. on the 15th of the month preceding publication. All advertising is subject to current rates, copies of which can be obtained from the Special Events/Membership/Marketing Division, 420-2434. The newspaper reserves the right to determine the suitability of any advertising or editorial copy, and all real estate advertising is subject to the Federal Fair Housing Act of 1968, which makes it illegal to advertise and preference, limitation or discrimination based on race, color, religion, sex, handicap, familial status or national origin, or an intention to make any such preference, limitation or discrimination.
Managing editor................................. Mary Prier, APR Editor......................................................... Sara Steil Advertising sales................Kim Powers, JoAnn Lucero Production coordinator.......................... Stella Council Adviser...............................................Sandra Amidon Graphic Artist...................................... Diane Trumbull Copyright: 2009; all rights reserved. No permission to reprint unless expressly given by Tidewater Builders Association. The Tidewater Builder is published for all TBA member firms through the $15 subscription price, which is included in the annual membership fee. Opinions expressed by contributing columnist are not necessarily those of this publication.
Navigating financing in 2009 With the days of “quick and easy” no documentation mortgages behind us, it’s important for builders and site agents to take a more active role in securing financing.
4 Building a future
TBA’s latest YouthBuild class marks a milestone by becoming the first group to complete a house from start to finish.
6 Plant the seed to your new home’s success
Investing a little green in a new home’s landscaping could be the difference between having the house sit on the market or being sold.
11 Surviving the times
Alex and Odysseus Kotarides know that builders can’t plan for perfection, but adapting to and surviving tough times are possible.
13 Philanthropy strikes again
TBA past president Jeff Ainslie’s $1 million gift to Old Dominion University will bring his alma mater a football game-day building.
18 Shop Talk
19 Advertiser’s Index
9, 12 Issues and Actions
Events Calendar Membership Update
10 Shades of Green About the cover: TBA’s latest YouthBuild graduates stand on the porch to the house they built in Portsmouth. They are, from left to right, first row: Donterrio Jones, Antenile Johnson and Luis Soto; second row, Khadir Barner, Ashley Atkins; back row, Rico Nixon, Travis Owens and Shawn Everrett. Not pictured students include Aaron Watson, Keith Swain and Tim Morgan. april april 2009 2009
President’s Pen Keeping hope alive at the Building Trades Academy It has been more than 30 years since our association first took on the work of giving people hope for a better life through training in construction through TBA’s Building Trades Academy, formerly known as the Pre-Apprenticeship Program. For many of the nearly 4,000 graduates, the training and job placement gave them a chance to build productive lives for themselves and their families. We hear a lot of success stories from these trainees. Many of them, being products of their environment, got caught early in the wrong associations and on the wrong path. They come to appreciate the new direction and new vision this training has provided. Others have worked hard all their lives in low-paying, dead-end jobs and never envisioned they could have a rewarding career in the building industry. In times past, we could count on federal funds for this worthy program. But for the past three years, we have had to rely on constant appeals to individuals and organizations to keep this program alive. The local Workforce Investment Board that provides funding for this training took a major hit three years ago when federal funds were diverted to other national priorities. We still receive funding through this system, but not enough to sustain the program on a full-time basis. We are hopeful our new president’s workforce training agenda and stimulus dollars will find their way to our pro-
Major contributors since 2006: Sherman Reese Foundation $150,000 Norfolk Foundation $65,500 Beazley Foundation $52,000 Ainslie Widener $56,700 TowneBank Foundation $25,000 Landmark Foundation $25,000 Wachovia Foundation $20,000 2
For many of the nearly 4,000 graduates, the training and job placement gave them a chance to build productive lives for themselves and their families. gram in the coming months, but in the meantime, we are still working hard at other options. Over the past few years, we have received funding from generous TBA members and company and community foundations, but, as we are all too keenly aware, many of these funds have disappeared with the stock market plunge. Most recently, we have had support from local cities that stepped up to invest in these lives, recognizing this investment pays off in many ways. Not only are they getting a productive, taxpaying citizen, but also they are potentially removing them from the expense category — whether they are receiving support from social services, or in a worse case scenario, services from the correctional department. When you see how these lives have changed, the $4,000 tuition seems like a small investment. The trainees who graduate from the program must prove they are motivated and have the work skills needed to be successful employees. To date, every graduate has been placed in a job, most often with a TBA member firm. A recent class of graduates received EPA certification training to qualify them for work in facilities maintenance in the multifamily housing community. These students started their new lives with a job paying $14 an hour, plus health benefits and a 401k. We are currently exploring whether specific employers or groups of employers would consider making an investment in training their potential employees. That’s just one of many ideas being floated to carve out a future for the program. TBA is also winding down a grant to train students in the YouthBuild program for Portsmouth residents. The most recent class of students is delivering a new construction home for sale
by Portsmouth Housing and Redevelopment Development, our partners in the grant. One possible buyer, as it turns out, is a former student of the Building Trades Academy. This grant from the U.S. Department of Housing and Urban Development ran out at the end of March. We’re hoping for a new grant, but nothing is guaranteed. Meanwhile, the staff — Tony Davis, Billy Vick, Franklin Cobb and Shannon Pfeiffer — get high marks from the trainees for their ability to communicate what’s important for success to a population that is not always easy to serve. We’re optimistic the value of what this program does for the community will be recognized by those who make available the federal dollars that could keep it alive. One way in which TBA members can support the Building Trades Academy is through TBA’s annual Charity Golf Tournament. This year’s tournament will be held on Wednesday, May 20, at Sewell’s Point Golf Course in Norfolk. For more information about how you can support the Building Trades Academy at this year’s golf tournament, please see page 14 for more details. Meanwhile, if any of you have ideas to help secure the future of the program, please contact Channing Pfeiffer, our CEO, at 420-2434. Thank you to everyone who has supported these programs.
Hang in there,
Pete A. Kotarides
Home mortgages in 2009 By Mary Prier, APR Gone are the days of the “quick and easy” no documentation mortgages, said Toby Harris, of New American Mortgage. Gone also are the NINJA loans (no income, no assets, no job), 100 percent financing for investor loans, easy appraisals and low FICO scores for VA and FHA loans. In today’s environment, the mortgage cannot be left up to the borrower, he said. “It’s critical the builder, agent and loan officer work together as a team from the very beginning to make sure that everyone is on the same page and that the buyer really is able to close.”
Here are his observations: • Buyers need full documentation of their finances • They also need credit scores in the mid-600s and higher • Appraisals will be tough • Jumbo loans (above $417,000) will be hard to get • There will be few investor loans • Also, fewer second mortgages • Pricing will be based on LTV and FICO score • Buyers must qualify and have money
Advice for sellers: • Prequalification letters are worthless. All buyers should have a complete approval letter after a full loan application from a reputable company. The loan should be locked through the estimated closing. • Obtain information from buyers that is pertinent to their ability to perform. Make sure they have the necessary cash (not stocks!). Ask where they work (people are getting terminated). Make sure you know exactly what kind of loan they are getting and the chances of the product disappearing. • Get a sizable non-refundable deposit to prevent a borrower from walking. • Analyze your risk if the loan is not closing within 90 days and a new credit report must be pulled. • Educate your customers about how to maintain their credit score. Credit scores have dropped from 800 to 620 in 60 days.
Cornerstone Foundation Members Thank you to the following companies for their support of the shelter industry: Diamond
Virginia Natural Gas Dominion Virginia Power Fulton Bank/Fulton Mortgage TowneBank
Monarch Bank/Monarch Mortgage Superior Equipment Sales Inc. Cox Communications Columbia Gas of Virginia
Gold $2,500 The Ainslie Group
Area Builders of Tidewater Inc.
SunTrust Real Estate Finance Group
Bank of America
Ashdon Builders Inc.
Tidewater Home Funding
L.R. Hill Custom Builders Inc.
Beach Ford Inc.
Miller Custom Homes
RBC Builder Finance
Sykes, Bourdon, Ahern & Levy P.C.
Bank of Hampton Roads Williams Mullen
Real Estate Information Network Inc.
William E. Wood & Assoc.
Gateway Bank & Trust Co.
Reese Smith Construction
iLevel by Weyerhaeuser
Clark Whitehill Enterprises Inc.
The Closet Factory
Hearndon Construction Corp.
Building homes; instilling values
YouthBuild Program celebrates three successful years By Sara Steil
On the corner of Portsmouth’s Chestnut and Palmer streets sits a three bedroom, 2½ bath home with 1,500-square-feet of living space. In just 5 months, this home was constructed by a work crew that likely never dreamed they could do it. They are students training in the YouthBuild Program. About the program Funded by a three-year, $700,000 grant from the U.S. Department of Housing and Urban Redevelopment, the six-month training program is a partnership between Tidewater Builders Association’s Building Trades Academy and Portsmouth Redevelopment and Housing Authority aimed at providing career direction to disadvantaged populations in the community. The students were given the opportunity to earn their General Education Development certificate and a salary, as well as building trades training, life skill instruction, hands-on experience building homes, job placement services and follow-up. Through the program, participants build affordable homes in underserved neighborhoods of Portsmouth and get started thinking about what they can achieve in life. During the program’s three years, YouthBuild students successfully completed four homes from start to finish, as well as began construction on an auxiliary facility for Chesapeake Service Systems. The program, which began in 2006, served 60 low-income Portsmouth residents between the ages of 18 and 24 who didn’t have their GED or diploma. Over the grant period, 450 potential participants were recruited, 57 of whom enrolled in the program. Of these, 37 graduated and received their GED and 10 are still in training — representing 82 percent of original participants having or expecting to receive industry credentials. Students have been placed in jobs rang4
After completing construction on a house in Portsmouth’s Prentice Place, recent YouthBuild graduates take a moment from working on an auxiliary facility at Chesapeake Service Systems. They are, from left to right, front row: Luis Soto, Travis Owens, Antenile Johnson and Rico Nixon; back row: Shawn Everrett, Donterrio Jones and Khadir Barner.
ing from shipyard and electrical work to facility and apartment maintenance.
Hands-on training, invaluable lessons The students in the program have gained more than hands-on training. Most have taken advantage of the opportunity to get their GED and some are hoping to enroll in Tidewater Community College for additional coursework. “I had no idea that I had something like this in me. I never thought I’d build a house — never,” said Shawn Everrett, who plans to pursue a future in welding.“The teamwork, my values my ethic, my morals, I’ll take to TCC with me.” “Don’t ever tell yourself you can’t,” said Antenile Johnson, who is hoping to earn her civil engineering degree from TCC. “If you feel there’s something you can’t do, just put forth initiative and see if you can work it out. It was a great opportunity and a great chance for me to
start a new life track.” The last class of students marked a milestone, as they became the first group to complete a house from start to finish. “It’s an opportunity for somebody who needs a second chance,” said Travis Owens, whose life took an unexpected turn when he got caught up with the wrong crowd, lost his football scholarship — his ticket to college — and spent some time in prison. However, he is thankful for the program, which “prepares you for work life,” he said. “The book is good, but the hands-on is great.”
A new future? Although the grant for the Portsmouth YouthBuild program expired at the end of March, the economic stimulus package has opened up the possibility for additional funding. If approved, a two-year YouthBuild Program will be developed for Suffolk.
Headliners TBA House Talk in The Virginian-Pilot
Hips were a swingin’ as contestants gave it their all in the hula hooping contest at last year’s picnic.
Save the date for this year’s picnic! TBA’s Festival in the Park (formerly the TBA Annual Picnic) is one event that you don’t want to miss.The annual picnic is scheduled for 4 to 8 p.m. on Friday, June 12, at Chesapeake City Park. You will enjoy mouthwatering food, refreshing beverages, exciting activities, contests and fabulous entertainment. Remember, this is an adults only event. If you would like to join the committee or obtain information regarding sponsorships, please contact Teresa Howell at 305-9062. For more information on purchasing tickets or becoming a sponsor, please visit www.tbaonline.org/events.php.
This year Tidewater Builders Association has a regular column, “TBA House Talk” each month in the Saturday Home section of The Virginian-Pilot. The January column by Remodelers Council chair Chris Ettel was on planning ahead for remodeling projects, February’s column by Green Building Council Chair Allen Loree covered what it means to build green, and the March topic by TBA President Pete A. Kotarides examines incentives available for new home buyers. Each month, TBA will use the opportunity to provide consumer education about housing issues and trends.
Keep up with TBA news Every TBA member should be receiving TBA’s bimonthly e-newsletter Nuts & Bolts. The newsletter, which has a new look and now is more interactive, keeps members abreast of upcoming TBA events, as well as industry news to use. If you are not currently receiving the e-newsletter, please make sure your contact and e-mail information is up-to-date with member services’ Stacey Turner at 305- 9042 or by e-mail at email@example.com
Sell your home faster by adding more green When landscaping a new home, planting a few bushes and one tree won’t cut it. By spending a little extra money landscaping, a builder can increase his chances of his home selling faster with an enhanced curb appeal. For example, builders should be spending more money in the areas that a buyer first sees and sees the most, with attention being paid to establishing a well-designed entrance. Photos courtesy of Basnight Land and Lawn
By Sara Steil Most buyers have made up their minds within the first 15 minutes of seeing a home, according to Christian Basnight of Basnight Land & Lawn. Putting a little extra money into landscaping could be the difference between turning a potential buyer into your next homeowner. According to Virginia Society of Landscape Designers, homeowners can not only expect to recover 100 to 200 percent of their costs with professional landscaping when they sell, but it will also “sell your home faster, due to enhanced ‘curb-appeal’ for prospective buyers.” Here are some things that landscaping experts say can make or break the deal for potential buyers. Before
What builders should plan for First, have “a good, well-designed entrance to the house,” said Basnight. “A builder needs to try and find a happy medium,” said Robert Askew Jr. of R.W. Askew
Nurseries Inc. “You want a house that is not underplanted and that is not overplanted. If it’s overplanted, it’s going to run the cost up and the builder has to pass it on to the buyers. “Buyers right now are shopping for the most for their money,” he continued. “Establish a budget for what you want to do to the house, in most cases that runs 1 percent of the house cost in landscaping. That would give you a very nice yard with a few nice trees,” said Askew. Builders also should be prepared to spend money in the areas that a buyer first sees and sees the most. Then, landscape the secondary areas of the property as the budget allows. Keep in mind that the exterior and style of the house also will dictate how the landscaping will be done. For exam-
There are many things that builders and landscapers can do to add to a new home’s curb appeal. Here are a few items, from lower to higher end, that make a home more inviting to potential buyers: Add an economical water feature, such as a bubbler Upgrade from concrete to pavers for walkways, driveways and patios, if possible Instead of trying to seed the front yard, use sod. It makes the home look more established. Use color texture in the landscape. Spend a little money in annual color to get a punch of color in the appropriate places, such as the front door of the house. For example, burgundy is a good planting color to use year round. Avoid planting a lot of perennials, as they involve pruning and tend to be more water sensitive. Add a pergola Add an arbor Add a dry-river bed Add an outdoor kitchen Add a pool Source: David Dubinsky of Jack Frost Landscape, Robert Askew Jr. of R.W. Askew Nurseries Inc. and Christian Basnight of Basnight Land & Lawn
By adding a pop of color, a dry river bed and using color texture near the home’s entrance, the home now looks more established, which makes the home look more valuable.
ple, a colonial house should have a very formal entryway.A traditional home should a more traditional landscape. Remember that “a house also has to look like it’s established,” said Basnight. “To plant a ‘builder’s special,’ which is 12 bushes and a tree in the front yard is not going to cut it,” said Askew. Buyers “want a house that has a nice, professional look.” However, “people want a simpler landscape.They want something that really looks nice, but they don’t want to create a monster that they have to take care of. “You want that house, when the buyer pulls up, to look established and to make the home look like it’s worth something,” he continued. “Established landscaping gives the buyer confidence that the house is a solid house.”
Possible trends to look for According to Askew and Basnight, more buyers are looking for garden spaces. “You see more people that want to have an area set aside for garden features where they can grow their own vegetables,” said Askew. “I’m seeing that now instead of someone wanting a pond.” Additionally, “more and more homeowners want maintenancefree yards as much as possible, unless it’s a retired couple. If the homeowners want to be involved in the yard, then that’s fine, but in today’s world, most husbands and wives are working as well as having children playing sports and other activities. They don’t have but so many weekends a year to work in the yard.They want a pretty maintenance-free landscape.” april 2009
Counsel’s Insights Depressed housing market – what’s a builder to do? By C. Grigsby Scifres Housing has been economically assaulted from every direction. Builders and developers bought land at prices that are now well above market. Mortgage money has been difficult to obtain. Demand for new and existing lots and homes is at an all-time low. Market values continue to drop. The national and world financial markets are barely recognizable and major players are gone or teetering on the end of the abyss. Government stimulus plans seem to ignore the need to provide a real boost to the housing industry. Many builders and developers have not been able to adjust both variable and fixed costs to match up with revenue, resulting in negative cash flow. Relief is not in sight. Short of heading out on an extended trip to New Zealand or Rio, what are some steps you may want to consider taking? First and foremost, keep in mind a few key points: • Positive cash flow, not profit, is what matters. Cash flow strangulation will kill any business regardless of size — it’s a matter of time. • Using business or personal resources to solve some, but not all, of your business issues often leads to failure because you run out of resources before you have fixed all your problems. • Credibility and integrity are paramount. Never lie, misrepresent or fudge the truth. Once credibility is lost, it’s almost never recovered. • Decide on a course of action and implement it. Do not wait or vacillate — the sooner you take action the more likely it is that you will have the resources to be successful. • Reorganization under Chapter 11 of the Bankruptcy Code will enable you to restructure obligations and buy some time, but it’s not a solution for a broken business model. You need to change your business operations so you produce positive cash flow. In many situations, your existing lenders and vendors become key strategic partners in a successful restructuring. When problems loom, communicate regarding the potential problems as early as possible. Bankers hate unpleasant surprises. Anticipate the conditions a creditor may impose to consent to restructure repayment terms or discount debt. Lenders will require current financial information on the borrowing entities and guarantors and will request additional collateral (if unencumbered assets are available). If you 8
seek a discount, then be prepared to pay the balance in full. Develop a conservative proposal to repay indebtedness and make sure that the proposal is likely to be achieved. If you lack the resources to pay your debts in full, then your plan needs to request discounts from creditors. It’s counterproductive to propose a workout plan that requires a perfect alignment of the sun, the moon and the stars to be successful. Often you only have one opportunity to forestall collection activity by lenders or unpaid vendors. Somewhere in the process, consideration will be given to using bankruptcy as a tool to achieve business objectives. While bankruptcy can be an effective means of restructuring a business and related obligations, many more bankruptcy reorganizations fail than succeed. The process is time consuming, emotionally draining and expensive. If the individual owners have provided full recourse guaranties to lenders or vendors, simply filing a Chapter 11 reorganization case will not protect the guarantors from demands for payment pursuant to their guaranty agreements. Most importantly, whether the restructuring of the business and related indebtedness occurs inside or outside of bankruptcy, the key components are a conservative plan to address the underlying business problems and keeping existing lenders and vendors as strategic partners in that plan. When the debtor and its creditors are combatants, all parties often are disappointed. Financial problems will test one’s character; however, successful outcomes can be achieved if the underlying business problems can be solved. A proactive approach increases the likelihood of success. Scifres, a partner in the Virginia Beach office of the law firm of Williams Mullen, is Tidewater Builders Association’s general counsel. He specializes in financing, real estate and creditor’s rights matters. He can be reached at firstname.lastname@example.org or (757) 473-5370.
Issues and Actions Builder Services success story Parties Impacted: Balance Builders Inc. Advocate: Paul Wallace of Balance Builders Inc. Issue: Wallace was having difficulties with a city regarding a sewer line to his property that had been cut in the past. While finishing construction of a spec home, Wallace discovered that city contractors installing a water line in the right of way cut a sewer line to his property when it was nonoperational. He then contacted the city hoping to have the city repair it, but with no success. Action Taken: Wallace contacted Builder Services and after much discussion and research, an agreeable resolution was achieved.The line was repaired and Wallace was able to proceed with his project. Comment: Though the city refused to pay for the repairs, “at least I got the door open to do what I had to do,” said Wallace. “We ended up having to repair the line ourselves, but they (Builder Services) were able to work with public works … to streamline the permit process. It went right through, and we got our own contractor to repair the pipe.” This wasn’t the first time that Wallace called on the aid of Builder Services. “Builder Services alone is enough reason for me to belong to TBA,” he said. “To me, the biggest benefit of TBA is Builder Services.” If you or your company have a building or development issue you would like help resolving or a question you need answered, please contact TBA’s Builder Services Specialist Barbara York at 420-2434, ext. 215, or email@example.com april 2009
Shades of Green Job site recycling can be good for business By Michael Benedetto, TFC Recycling Going green used Building Council confirmed that numto be a niche concern bers of LEED-registered and LEED-certimost company execu- fied projects doubled in 2008 — from tives pretended to care about 10,000 registered projects at the about. However, recent end of 2007 to more than 20,000 by the statistics indicate a dra- end of January 2009, while square footmatic shift in thinking age of LEED-certified construction rose about sustainability. 92 percent, from 148 million to 284 milJohn Makower, the lion square feet. editor of GreenBiz.com, reports that deMost builders are familiar with LEED spite the most severe economic down- certification and, in many cases, it’s a return in decades, businesses are going quirement for new construction. Howgreener. The “green values” of efficiency, ever, builders might be surprised to learn reducing waste and managing carbon cost-saving, sustainable choices can be have become standard practice for any made from the time a project is proposed smart business. to long after construction is complete. In the construction industry, one Builders often contact local waste way to measure the success of sustain- companies for open top containers to ability is the Leadership in Energy and handle construction site debris. But Environmental Design, or LEED, green what happens to that construction building rating system. The U.S. Green and demolition (C&D) waste after it is placed into the containers? A recycling company can bring the C&D to a materials recovery facility (MRF) where the waste is kept out of landfills.
Earth Day, April 22, is no longer a day to learn about the earth. Instead, it’s a time to think greener and initiate change. To get involved locally, attend the Earth Day Festival on Sunday, May 3, at Mount Trashmore from 11 a.m. to 5 p.m. The free event will feature Earth Day exhibits, an array of crafts, demos, music, ecycling and more. In the meantime, here are a few facts to tickle your brain.
of waste are created from constructing a 2,000-squarefoot home, the majority of which is wood, cardboard and drywall. Source: National Association of Home Builders
of waste from construction make up the nation’s solid waste. Source: EPA
See how your lifestyle impacts our planet at www.earthday.net. Click on “Ecological footprint” to take an interactive quiz to determine how you affect your environment. 10
About the process The process is fascinating. C&D is dumped into a presort area where large items, such as steel columns and concrete, are removed by large machines with grapplers. Next, material is placed into a grinder and shredded to a size of less than two feet. Conveyors transport the shredded waste to a sorting platform where items such as textiles, wire and fabrics are manually picked off the conveyor belt. A sizing screen then separates dirt and other small material from the larger mix. Dirt falls and accumulates in a storage bunker below while the remaining mix is transported by a conveyor to a water separation unit that resembles a mini log flume. Wood and other items that float are removed and sent to a grinder that shreds it to a mulch-like size. The shredded wood then passes under a ferrous magnet that removes metals, including nails. The remaining heavy items such as concrete, asphalt and bricks are conveyed to another crusher and sized
down to a few inches before being conveyed to another storage area.
The uses of C&D Incredibly, about 90 percent of the C&D waste is put back to beneficial uses. Metal is sent to scrap yards and converted into new products. Wood waste can wind up as mulch or boiler fuel. Dirt is converted to fill or cover. Crushed aggregate is used for new road or building projects. And non-recyclables are sent to a waste-to-energy facility and converted into fuel.
Recycle and receive some LEED credits C&D waste recycling is a remarkable process and an easy way to receive LEED credits, but sustainability doesn’t have to end there. LEED credits are also awarded if a recycling program is designed into the new facility. A comprehensive recycling program can be designed for new and existing buildings whereby paper, bottles and cans can all be mixed together into one recycling container. These single stream recycling programs have proven successful in residential recycling programs such as Virginia Beach, Norfolk, Newport News and Hampton.The ease and convenience of one large recycling container encourages participation, makes recycling easy, and saves money while saving the Earth. Recycling is an essential part of sustainability for builders and is often less expensive than traditional waste removal. It’s a way to go green and save green. There’s no better time than now! Michael “Recycle” Benedetto is a vice president and owner of TFC Recycling, a family-owned and operated recycling and waste removal company since 1973. Benedetto can be reached at mbenedetto@tfcrecycling. com or 543-5766.
Surviving the times: Part 2 of an ongoing series
Alex and Odysseus Kotarides
(left) Alex Kotarides conducts business at Lake Wood Gardens, which was built during the high interest rates of the 1970s and 1980s. (right) Despite the savings and loan woes of the 1980s, Odysseus Kotarides forges ahead on a Kotarides development at Crystal Lake.
You can’t plan for a perfect market, but you can adapt By Sara Steil The history of the United States is a constant cycle of good years and bad years. And according to Kotarides Developers’ Alex and Odysseus Kotarides, that is what every builder should remember in today’s economic climate. “It always goes up and down,” said Alex Kotarides. TBA is asking builders who survived difficult economies, “What words of wisdom do you have for today’s builders?” The brothers, who emigrated to the U.S. from Greece in the 1950s, landed in the housing industry by accident in 1963.While working at Mary Jane Bakery, they met a co-worker who was building houses on the side and “we said, ‘we can do that too,’” Odysseus Kotarides said.“We started in Lake Smith Terrace,” developed by the late Lee Gifford, he added. “We started with $200,” said Alex Kotarides,“and we made $3,000 profit.” During their 40 plus years in business, the men have survived many tremulous economic cycles. “In the ’60s when we started to build, there were times when even a commander in the Navy couldn’t qualify to buy a home because money was so tight,” said Alex Kotarides. However, when money was tight, the Kotarides adapted to make sure their investments pulled through. Once, they personally took out a second mortgage and loaned the money to the buyer, who in turn mailed a check monthly to the Kotarides until the amount was paid in full. The men learned to adapt and survive. They started out building singlefamily homes in the 1960s, and have built apartments, townhouses, condos and small commercial over the years. To this day, they continue to develop a variety of product types, depending on the demands of the market, which believe this is the key to their long term success. “You have ups and downs in this business constantly,” Odysseus Kotarides said. “All the builders are under a lot of pressure because you’re dealing with a lot of money. When you start something so far ahead and then the bottom comes out, what do you do? “You survive,” Alex Kotarides said. “It’s a tough business, there’s no doubt about that,” Odysseus Kotarides continued. “Hopefully, soon we will see better days in the near future.”
Advice for builders • First and foremost, remember this is a people business. • Keep it in perspective. • Don’t bring your problems and aggravations home. Go home, take care of and enjoy yourself. • Confront the problems. Don’t avoid the bankers and your suppliers. Most people will try to help you figure out a solution to your problems because they want you to be a return customer. • Keep an eye on your product and the details, such as making sure the mortgage is OK throughout the entire process, not just at the beginning stages. • Be flexible on what you build and don’t get locked into building the same house. Instead, build in some flexibility. • Different product types work at different times. • Don’t bet the farm all on one project. • Be conservative so you have financial flexibility. No matter if the market is up or down, always be conservative when you bring people in to your company. • You can’t always plan for good markets. Plan for slow markets as well. • Try to be reasonable with the customers. • Be a survivor. april 2009
Issues and Actions Municipal Affairs Quarterly Report By Claudia Cotton, vice president Builder Services
Chesapeake – Stephen Quick, chair The committee comprised of Stephen Quick, Stephen Alexander Homes, Greg Dodd, Horton and Dodd, and Erin Speckhart-Widener, Allenstar Homes, meets with municipal officials to improve the business climate for the industry in Chesapeake. City staff made recent Quick improvements to development processes to improve efficiency and predictability for the industry: • With TBA’s input, staff revised the process of monthly billing for inspection hours to an upfront percentage of the construction costs. Effective March 1, inspection fees for new subdivisions are calculated using two percent of the construction costs based on the city’s unit price list. • City Council also approved a zoning ordinance amendment for Construction Record Drawings (CRDs). In lieu of CRDs for private improvements, only one certification will be required from a professional engineer or surveyor. Other changes are pending for the Public Facilities Manual and suggestions are requested. • A group including TBA representatives has been formed to review and develop a recommendation for new requirements under consideration for reforestation and enhanced tree planting, which could mean a substantial increase to the cost of building and developing. • Thanks to the Department of Neighborhood Services for eliminating the requirement that pressure reducing valves be used in all newly built or existing structures in areas served by the Northwest River Water Treatment Plant. The city determined operating pressures normally range between 40 and 60 psi with the occasional rise above 80 psi. With that, the city determined it would be cost effective to new customers and contractors (about $100 savings) to eliminate the requirement. However, the International Plumbing Code 2006 requires the installation of the valves and the city will retain the right to require the use of the valve where the water service pressure within a building exceeds 80 psi as determined by city staff.
Suffolk, Southampton, Franklin – Tuck Bowie, chair Chairman Tuck Bowie and Vice Chair Reese Smith continue to meet with building and development staff on a regular basis to improve Suffolk’s building and development climate: • At the request of the City’s Planning DeBowie partment, TBA compiled a list of items the industry recommends for change or reconsideration in the Unified Development Ordinance. • TBA also provided input on amendments regarding residential infill redevelopment on narrow or infill lots. 12
• In Franklin, TBA provided support for the city’s subdivision ordinance amendments to allow issuance of building permits if the surface course asphalt and required sidewalks are subject to a subdivision agreement and bond. • In Southampton County, TBA provided extensive input on the county’s revisions to its subdivision ordinance adopted earlier in the year.
Norfolk – Sam Cohen, chair
TBA is working with Norfolk building official Lynn Underwood and other city officials to develop a process by which builders, remodelers and homeowners can participate in a voluntary green building program. Underwood spoke at TBA’s Green Building Council’s March meeting.
Portsmouth – Steve Lawson, chair
One of new building official Doug Smith’s first acts was to change the building inspection schedule. Effective March 1, the department is inspecting for the following: foundation/box inspection, sheathing inspections, framing inspection and insulation inspection – electrical roughin must occur before insulation installation.
Virginia Beach – John Ainslie, chair Chairman John Ainslie and Vice Chair Pete O. Kotarides continue to meet regularly with building and development staff. Recent efforts include work on the city’s Chesapeake Bay and Preservation Act requirements involving pools. The state’s Chesapeake Bay Local Assistance Ainslie Department requested the city change their requirements for pools so as to include the pool area as impervious surface, rather than pervious as is currently done. TBA is a stakeholder in continued efforts to minimize the affects of pools on CBPA requirements.
Developer’s Council – John Olivieri, chair TBA’s Developer’s Council organized a subcommittee to review proposed Stormwater Regulations from the state Department of Conservation and Recreation. Engineering consultants evaluated development plans using the proposed regulations, resulting in a significant costs to remove pollutants from stormwater. Olivieri These efforts have been coordinated with local stormwater engineers, Hampton Roads Planning District Commission staff and staff from the Center for Watershed Protection. The group, headed by Andy Herr of Terry/Peterson Residential Cos., will work in conjunction with the state association on comments on the proposals when they are officially presented for public comment by DCR this spring.
ODU Big Blue Club gets a big boost By Mary Prier, APR TBA past president Jeff Ainslie recently announced a gift of $1 million to his alma mater for a football gameday building, which is scheduled to open next fall in time for Old Dominion University’s first football game at Foreman Field in more than 70 years. Ainslie graduated from ODU in 1983 with a bachelor’s degree in marketing management. Today, as a loyal alumnus, Ainslie is vice president of the Alumni Association Board of Directors, on which he has served for seven years. Ainslie, also president of Ainslie Group, is known for his community service and philanthropy. He also has served as president of the Big Brothers/Big Sisters Foundation board, president of the Home Builders Association of Virginia and chair of the Opportunity Inc./ Hampton Roads Workforce Development board. He is an active member of Tidewater Builders Association and has generously contributed to TBA’s charitable efforts, including the TBA Building Trades Academy. At ODU, Ainslie established the Jeff Ainslie Endowed Scholarship in Real Estate with a $100,000 gift in 2005. He also provided audiovisual equipment for the Kornblau Alumni Center. “ODU has grown to become a true destination university, with many advanced areas of study. The buzz
From left are ODU athletic director Jim Jarrett, Jeff and Ruby Ainslie, acting ODU president John Broderick, ODU football coach Bobby Wilder and assistant vice president of athletic development Mark Benson at the Feb. 25 ODU game vs. William & Mary.
that’s created when the community gets involved at all levels will certainly cement that reputation across the commonwealth and, ultimately, across the nation,” said Ainslie. A longtime Big Blue Club member Ainslie said he is grateful to be in a position to give back to his alma mater.
In this tough economy, Bank with strength at Monarch.
Monarch Mortgage’s Ted Yoder and Will Morrison
T EN YEARS AGO , Monarch Bank took flight with a dozen employees and the dream of bringing a true local community banking experience to Hampton Roads. Today, the “butterfly bank” employs more than 300 and caters to personal and business banking needs across Hampton Roads and beyond. And despite what The Wall Street Journal calls the toughest economic times for financial services firms since the Great Depression, Monarch Bank continues to grow as we approach our 10th anniversary in April.
With all the negativity in the media about financial institutions it is nice to see all the great positive things going on at Monarch. Expansion of new Monarch Mortgage operation has expanded to 12 locations: five in Hampton Roads; one on the Outer Banks of North Carolina; one in Richmond, Virginia; five in Maryland. We are setting new performance records and further differentiating Monarch from our competition.
C E L E B R AT I N G T E N Y E A R S
Only bank in the country to earn prestigious Sandler O’Neill’s Sm-All Stars Award two years in a row for financial performance
www.monarchbank.com • FDIC XXX
2009 Charity Golf Tournament Wednesday, May 20th Sewells Point Golf Course
All proceeds will be used to give a hand up, not a handout, to economically disadvantaged participants at TBA’s Building Trades Academy.
Style of play is Florida Best Ball. Registration starts at 11 a.m. and tee time is 12 p.m. Refreshments and dinner will be provided.
Awards given for 1st and 2nd place teams. SPONSORSHIPS: Golf Cart Sponsor – $1,500 Beverage Sponsors – $750 Scoreboard Sponsors – $500 Exclusive Hole Sponsors – $500 Prize Sponsors – Cash donation
Dinner Sponsors – $500 Hole Sponsors – $350
ALL PAYMENTS MUST BE RECEIVED PRIOR TO TOURNAMENT (No rain date.) Company:_________________________________Contact person:__________________________________________ Phone:_____________________Fax:____________________ Email:_______________________________________
1. _______________________________________ 2. _______________________________________
3. _______________________________________ 4. _______________________________________
*Individual players welcomed! We will gladly pair you with other participants. NO BLUE JEANS.
Value Package (VP) $25/player VP includes 1 Mulligan, 1 Ladies Aid, 1 Throw, & 2 Raffle Tickets- $25 (ONLY 1 VP per player) Pay now and your package will be ready for pick-up at tournament registration. VP can only be used for scoring purposes. I would like ________ Value Package(s) for a total of $_____________.
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Type of Sponsorship:_______________________________________________________________________________
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Building Trades Academy 2117 Smith Ave. Chesapeake, VA 23320 ATTN: Shannon Pfeiffer Fax: (757) 965-6586 Questions? Contact Shannon at 420-2566 or email firstname.lastname@example.org
Payment Mail or fax this form with your $_____________ + $_____________ + $_____________ = $__________ Charge Info or Check payable to: P L A Y E R S V P SPONSORSHIP TOTAL
It’s time to brush up on your fair housing knowledge By Sara Steil What began as a cram session for a young lawyer has evolved into a 30-year run of seminars focused on Residential Landlord Tenant Law/Fair Housing Act. Now, John “Chip” Dicks of FutureLaw LLC is drawing bigger crowds than when he first presented his seminar for Tidewater Builders Association in 1978. On April 23, Dicks will be speaking at the Chesapeake Conference Center on the two topics of which he is extremely knowledgeable. Dicks, owner of FutureLaw, served as an elected member of the Virginia General Assembly during the 1980s, and also has substantial expertise in land use applications and in the field of landlord tenant and fair housing laws, having written most of law throughout his career. “This is a program that began in 1978,” Dicks said, when “TBA wanted to train property managers on Residential Landlord Tenant Law. The seminar has evolved into a combination Residential Tenant Law, fair housing and sort of a practical application and an update on what the General Assembly has done in specific to real estate law and in particular Residential Landlord Tenant Law. “TBA has made it an interactive discussion session where people ask me questions, get an update, talk about landlord tenant law and everybody gets their two hours of fair housing training,” Dicks said. The Real Estate Board also certifies it for licensing. Attendees can expect to hear about the following topics: • Foreclosure and how to handle rental properties as foreclosures, as well as what rights the landlord/tenant have. • Source of income. There have been proposals in the General Assembly to require landlords to, in essence, accept Section 8 vouchers. This will be discussed as to whether that’s a fair housing violation. • Mold. Learn how landlords are protected if they follow certain mold procedures. • Changes in lead-based paint law that affect remodeling. • Issues relevant to the Service Members Civil Relief Act. • Current issues on the fair housing front, such as the hot issues for regulatory folks, accessibility, etc. Additionally, each participant will take home a notebook including updates in the law recently passed by the General Assembly, as well as a current copy of the Landlord Residential Tenant Act, the Fair Housing Act and the Service Members Civil Relief Act. The “real value of the seminar is that they get an updated resource manual to take home,” Dicks said.
“Chip” Dicks with FutureLaw LLC will be speaking about the latest developments in Residential Landlord Tenant Law/Fair Housing Act, as well as answering audience questions.
Going? What Virginia Residential Landlord and Tenant Act/ Fair Housing review When 8:30 a.m. to 4 p.m., Thursday, April 23 Where Chesapeake Conference Center Cost $80 for TMHC members and sponsors, and $100 for nonmembers Register by April 17 For more information contact Maggie Rickard at 4202434, ext. 253 or email@example.com One thing you won’t hear at the seminar is legal ease. “People come loaded for bear with questions. I try to answer them in plain English,” said Dicks.“I always try to explain the policy behind laws. “It’s important knowledge to know, particularly when you’re supposed to be a knowledgeable person in a property management position dealing with tenants.You really need to know those laws.”
ODU Professor of Economics James Koch, TowneBank CEO Robert Aston Jr., TBA President Pete A. Kotarides, President of New Homes Division of Rose & Womble Enterprises Van Rose Jr. and vice president of Suntrust Mortgage Inc. Steve Rockefeller, participate in an executive discussion series on what it will take to stabilize the housing market on March 17, 2009.
Experts debate stabilizing the housing market By Sara Steil While a bleak picture of housing and financial markets is being painted on a national level, Hampton Roads is not in as dire of a position as one would gather from TV and newspaper reports, according to four out of five local participants in an Inside Business/Cox executive discussion on March 17. Part of a new series, local experts, were asked, “What will it take to stabilize the housing market?” James Koch Board of Visitors Professor of Economics and President Emeritus, Old Dominion University “We have to be careful renegotiating mortgages to keep people in their homes. … We need to move people from their homes to rentals instead. The key is to revitalize the housing market. “We really do have a crisis, but we have a lack of faith in some institutions. We need to be more free with information. G. Robert Aston Jr., Chairman and CEO of TowneBank As to when the local economy will benefit from Washington’s stimulus package, “the program will gain traction as it goes down the road, and the government will make a lot of money off of the loans (that major banks received), but you have to give it time to leverage. “Managing credit and loan losses will be the No. 1 priority.” J. Van Rose Jr., President of New Homes Division, Rose & Womble Enterprises “There are still plenty of consumers, but they are buying safe” with homes priced below $350,000 moving. “They are
looking for return on investment (ROI). “Right now, we are at an all-time high for Hampton Roads with 200-250 ROI sales a month.” Steve Rockefeller, Vice president, SunTrust Mortgage Inc. “The market is normalizing.” Though current lending resembles that of the late 1980s, “we’re seeing $2 billion in financing applications a day, though more of them are for refinancing. “If people qualify, you get the loan. We are making sound decisions everyday.” Pete A. Kotarides, President, Tidewater Builders Association “The new home inventory is not as bad here as it is in other places; however, getting loans is more challenging. “Our market is completely different from Palm Beach, Arizona and other places,” that are suffering from record foreclosures, “but we’re light years away from the that.” As to whether the first-time home buyer $8,000 tax credit will help spur the market, Kotarides and other experts believe that the credit should be available up front for buyers and not a credit that they receive one year later. “The state association (Home Builders of Association of Virginia) is trying to make it available up front, by workers with the Virginia Housing & Development Authority. Almost 70 percent of Americans live in a home and this would have gone to the heart of the matter.”
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Energy Star has published extensive information on how the housing industry and consumers can take advantage of the federal tax credits for energyefficient home improvements in the new economic stimulus package. According to federal officials, the credits are expected to significantly increase demand for green renovation projects this year and next. Congressional economists project that the new provisions will generate an estimated $6 billion in remodeling work by the end of 2010. Homeowners can receive a 30 percent tax credit, up to a total of $1,500, for doors, windows, insulation and other improvements. There are also new and expanded tax credits for new construction that include renewable energy systems and products, such as solar panels. Remodelers are well positioned to take advantage of increased consumer interest in consuming less power. “These new tax credits are another way that the home building industry can combat the potential effects of global climate change by encouraging home owners to make energy-efficient improvements to their homes,” said Greg Miedema, chairman of NAHB Remodelers. The newly expanded tax credits are in alignment with industry research which shows that remodeling and retrofitting the nation’s older homes will have a far more significant impact on reducing residential energy consumption than meeting even the most aggressive efficiency goals for new homes. Not only this, but the credits, are a great marketing tool. Details on qualifying improvements are available on the Energy Star Web site at www.energy star.gov
Energy tax credit to generate $6 billion in remodeling jobs
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Source: Nation’s Building News Online april 2009
Shop Talk TBA members honored for customer service Of the 94 companies that qualified as 2009 Guildmaster Award winners, TBA’s VB Homes and Sasser Construction LC made the cut. The Guildmaster Awards competition recognizes builders, remodelers and specialty contractors and real estate companies that consistently deliver exceptional customer experience. Three levels of awards were given: Guildmaster, Guildmaster with Distinction, and Guildmaster with Highest Distinction. The three distinctions relate to the response rate received during the surveying: 80 percent or above received “Distinction” and 90 percent or above received “Highest Distinction.” Sasser Construction LC earned a Guildmaster honor, while VB Homes earned Guildmaster with Distinction. GuildQuality provides customer satisfaction surveying and performance reporting for building, real estate and home services companies throughout North America.
Win a house. Make a difference. With only 11,500 tickets for sale, your odds of winning the St. Jude Dream Home are better than winning the lottery. The $490,000 home in the Summer Park neighborhood of Chesapeake is being raffled for $100 a ticket, with proceeds going to support St. Jude Children’s Research Hospital, one of the world’s premier pediatric cancer research centers. Other prizes, such as a laptop with HD widescreen display, diamond necklace, an American Rover cruise, a weekend getaway courtesy of Ritz-Carlton, a 42-inch HD plasma TV and more will also be given away. The home, located at 1845 Burson Drive, Chesapeake, is open for tours from April 4 through May 5 on Saturdays from 9 a.m. to 5 p.m. and Sundays from noon to 5 p.m. Tickets are available at TowneBank, Ferguson Bath & Kitchen Gallery, Rose & Womble Realty Co. and Value City Furniture. For more information, call (877) 707-8703 or visit www.stjudedreamhome.org. 18
Mid South Building Supply Inc. moves to new location Mid South Building Supply Inc. is no longer off of Woodlake Drive. The company has moved and is ready to serve your window, siding and cabinet needs in the Cavalier Industrial Park, 3728 Profit Way, Chesapeake.
Attend a conference, earn credits toward designations NAHB members can earn credits toward valuable designations by taking required courses at the Building for Boomers & Beyond: 50+ Housing Symposium in Philadelphia April 27-29. For more information, visit www-nahb.org/conferences.
TBA Calendar April 2 7 14 15 16 21 23
Green Building Council meeting AC Basics & Electric Troubleshooting class Remodelers Council meeting TMHC Executive Committee meeting Developers Council meeting Stormwater Committee meeting TMHC Associates meeting Virginia Residential Landlord and Tenant Act/Fair Housing review, Chesapeake Conference Center
Welcome New Members Builders
Griggs Lumber Robinson Development Group Inc. Building materials; cabinets; doors; Builders/developers; property/condo- engineered/lumber; lighting; lumber/ millwork/trim; roofing; shelving; minium management Tim Culpepper........757-282-1020 siding; windows Mike Halsey.............252-264-2323 www.robinsondevelopment.com www.griggslumber.com
Gleam Guard Cabinets; interior trim; kitchens John Pratt................757-289-4405
Here To Stay
May 7 Green Building Council meeting 11 TBA Executive Committee meeting TBA Board of Directors meeting 12 New Member Orientation Remodelers Council meeting 14 Quarterly Builder Breakfast 19 TMHC Associates meeting 20 TBA Charity Golf Tournament, Sewells Point, Norfolk TMHC Executive Committee meeting 21 Developers Council meeting 26-31 NAHB spring Board of Directors meeting, Washington
Advertisersâ€™ Index Beach Ford..................................18 BIIA............................................ IBC Andy Brockinton.........................16 Dominion Virginia Power..............8 Ferguson Enterprises.................. FC International Jet Charter . ..........15 Monarch Bank.............................13 Prier Communications................20 ProSource......................................9 Rein Real Estate...........................20 Reliance Contractor Supply........17 RSVP..............................................9 Smith & Keene..............................7 Spivey Rentals.............................20 Sprint...........................................18 Superior Equipment Sales .......... BC Terry Peterson................................ 17 William E. Wood............................. 19
Peters & White Construction Company Utilities/public & private Paul Peters................757-487-100
Associates 84 Lumber Co. AFLAC Atlantic Bay Mortgage Atlantic Foundations Inc. Benefit Masonry Inc. Beskin & Associates Inc. Brown & Brown Insurance Budget Blinds of Chesapeake Carter Machinery Casa Decks Case Handyman & Remodeling Closet Factory, The Coastal Foor Installations Co. Countrywide Home Loans Inc. Cox Communications Curtis Key Plumbing Contractors Inc. Dernis International Marketing Drucker & Falk LLC Family Housing Program Naval Support Activity Fulton Mortgage - A Southern Division George G. Lee Co. Inc.
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In memory: Luke Newman, 1951-2009 TBA associate and president of Greenwich Kitchen Center, Luke Newman, 57, passed away on March 10, 2009. Born Lloyd Kelland Newman Jr., he Newman took over his family’s business as owner and operator of Greenwich Kitchen Center in 1991. Under his leadership, it won numerous awards, including multiple Tidewater Builders Association’s Stanley Awards and a Best of Homearama. “He loved this business,” said Newman’s friend and Greenwich Kitchen vice president Jim Query. “He considered Greenwich Kitchen his baby.” Closer to Newman’s heart was the National Kidney Foundation, where he served as director on the state board, and chaired a fundraising golf tournament for nine years with his sister. A three-time kidney transplant recipient, Newman also competed in the World Transplant Games. Generosity is the
one thing for which Query hopes his friend is remembered. “Once, he found out about a man who was dying of a brain tumor and Luke didn’t know him. He gave me $200 and the only instruction was that no one was to know that the money was from him. If he won the raffle, I was to donate the money back. He was just that type of guy. If you didn’t know him, you missed out.” Luke is survived by his wife Jolyn T. Newman; sons, Lloyd K. Newman III (Kelly) and Matthew T. Newman; father, Lloyd K. Newman Sr. and wife Carmen; sisters Charlotte Newman Hauck and husband Donald; and Julia Newman Shubert; brother Harry B. Newman and wife Kathryn; two nieces and four nephews. Memorial donations can be made in Newman’s name to the National Kidney Foundation of Virginia at www.kidneyva.org or Church of the Holy Family. Online condolences may be made at www.hdoliver.com.
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Is it time for a change? Does your policy provide the coverage you really need?
Before you renew your General Liability or Workers’ Compensation policies, be sure your agent calls the Building Industry Insurance Association, Inc., to compare coverage & costs. Building Industry Insurance Association, Inc. (BIIA) offers our members more value for their money. The company is endorsed by Home Builders Association of Virginia, and is a wholly owned subsidiary of Tidewater Builders Association. We understand the difﬁculties facing the building industry & are dedicated to supporting your business. BIIA offers ﬂexible payment options that allow you to track your payments with your work ﬂow on a monthly basis.
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Published on Apr 6, 2009