southwest montana building industry association

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SEPTEMBER 2015 NETWORK Check out what our members have been up to. p. 4, 7 HOUSING STARTS Your resource for locally relevant economic data p. 13 EDUCATION Changes to the housing industry effects more than just builders p. 6 EVENTS Stay Current with our Current Events p. 9, 12, 14, 17 SOUTHWEST MONTANA BUILDING INDUSTRY ASSOCIATION 1716 West Main Street, Suite 8-G, Bozeman, MT 59715 (406) 585-8181 www.swmbia.org

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SEPTEMBER 2015

NETWORK Check out what our members have been up to. p. 4, 7

HOUSING STARTS Your resource for locally relevant economic data p. 13

EDUCATION Changes to the housing industry effects more than just builders p. 6

EVENTS Stay Current with our Current Events p. 9, 12, 14, 17

SOUTHWEST MONTANA BUILDING INDUSTRY ASSOCIATION 1716 West Main Street, Suite 8-G, Bozeman, MT 59715 (406) 585-8181 www.swmbia.org

2 DO BUSINESS WITH A MEMBER

CONTENTS NEWSLETTER SEPTEMBER 2015

3 PRESIDENT’S LETTER Chairman Brian Popiel shares his thoughts on current association happenings and relevant industry issues.

4 SPIKE CLUB The true champions of NAHB! Check out our current member spike ranking and see how you stack up with your fellow members!

4, 7 MEMBERSHIP UPDATES View new and renewing members.

14 EDUCATION Information about upcoming education opportunities

11 GRIP SAFETY Get the latest on safety from MBIA Safety Specialists!

8, 15 ECONOMIC NEWS UPDATE Featured articles and information from local, state and national sources.

P. 13

13 HOUSING STARTS See what is happening here in Bozeman!

P. 9,

12, 14, 17

More Photos on SWMBIA’s

Facebook page

We want YOU on the radio! Each Monday, SWMBIA is on KMMS 1450AM from

7:30am-8am. This is a great opportunity to briefly share your business and services, your thoughts on issues

facing the industry and much, much more. Call the Office at 585-8181 to be on the radio!

Scenes from the Parade of Homes Kick-Off Party!

Special thanks to Montana Title & Escrow for being our Kick-Off Sponsor

3 DO BUSINESS WITH A MEMBER

PRESIDENT’S LETTER

UPDATE

Don’t just talk the talk. You’ve got to walk the walk. I’m sure that saying has applied to each of us at least once and probably several times, in our lives. In this busy world, even with the best of intentions, we sometimes do not fully demonstrate our integrity by committing our words to actions. September was Associate Appreciation Month. When we say we appreciate our associate members or that we do business with members, are we just talking the talk? Do we call an associate member first when we need a bid for a service or product that’s essential to the homebuilding process? Are our associate member subcontractors and suppliers at the front of our rolodexes? Do we refer other members, co-workers and friends to our associate members? If we honestly reflect on the number of opportunities we have to partner with associate members on the job and the number of times we actually do, I’m afraid our appreciation is a little lacking.

Associate members are the backbone of our association. They have strengthened our association and industry in countless ways, such as their participation in our annual Home Expo, contributions to the Parade of Homes, and their gifts to the association such as education materials and equipment. Associate members are vital to the success of our individual businesses as well. They have t he te ch n ica l kn o w -ho w, craftsmanship and information that we need to utilize the materials and services best suited to our needs. And the sheer number of members they represent in the association gives us greater political clout and a more positive presence in the community; two things that builders depend on to continue building the American dream. Am I asking you to say than

thanks to our associate members

for all their contributions? Yes.

Am I asking you to show your

appreciation by doing business

with associates? Absolutely! Let

your actions speak louder than

words, and watch what we can

accomplish—together!

BRIAN POPIEL ARETE BUILDERS RESOURCE SITE SERVICES

Board of Directors Elections

October 14th Bozeman Holiday Inn

One vote per member

company

DO BUSINESS WITH A MEMBER 4

SPIKES

By recruiting, involving and retaining members, SPIKES strengthen and build our Association.

Statesmen (500-1000) Tim Dean 529 Spikes

Royal Spike (150-249) Eugene Graf IV 235 Spikes John Miller 209 Spikes Dennis Cattin 183 Spikes Clair W. Daines 179 Spikes David Andreassi 160 Spikes Jim Syth 157 Spikes

Red Spike (100-149) Anders Lewendal 148 Spikes Kevin Click 137 Spikes Greg Vidmar 119 Spikes Bill Fiedler 118 Spikes Eric Roset 112 Spikes Eugene Graf III 103 Spikes Richard Smith 102 Spikes Rob Evans 100 Spikes David Graham 100 Spikes

Green Spike (50-99) Beth Zeman 98 Spikes Chuck Graden 96 Spikes J.D. Engle 92 Spikes Nathan Albrecht 83 Spikes Frank Armknecht 64 Spikes Guy Graham 59 Spikes Steve Armknecht 57 Spikes Ken Vidar 51 Spikes

Life Spike (25-49) Adrian Vaughn 48 Spikes Jon Moullet 47 Spikes Keith Fraser 42 Spikes Sally Hickey 40 Spikes Ron Hinds 37 Spikes Dean Derby 28 Spikes

Blue Spikes (6-24) Mike Thompson 18 Spikes Ken Eiden 15 Spikes Jeri Norris 10 Spikes Leif Sundeen 10 Spikes Tim Rote 8 Spikes Erica Renslow 7 Spikes Darryl Seymour 7 Spikes

NEW MEMBERS BUILDERS A.S. Hathaway Construction, Inc. Allan Hathaway PO Box 1626 Bozeman, MT 59771 (406) 570-0117 [email protected] www.ashathaway.com Sponsored by Rob Evans *CST Consultants, LLC Stephen Octav Sirois 343 Hercules Road PO Box 1199 Emigrant, MT 59027 (406) 333-4742 [email protected] *CT Construction Inc. Cory Taylor PO Box 817 Manhattan, MT 59741 (406) 580-1800 [email protected] Higher Standard Homes Patrick Eibs 6101 Blackwood Road Bozeman, MT 59718 (406) 539-1366 [email protected] www.higherstandardhomes.com Sponsored by Mike Thompson ASSOCIATES Acadeus Alex Chimbos 274 Discovery Drive, Suite 100 Bozeman, MT 59718 (406) 586-6604 [email protected] www.propharmagroup.com Bozeman Broker Group Dick Stefani 1745 S. 19th Avenue, Suite 2 Bozeman, MT 59718 (406) 587-5900

[email protected] www.bozemanbrokers.com Custom Drywall Finishes Derrick Archibald 77 Lower Rainbow Road Bozeman, MT 59718 (406) 580-2710 [email protected] Sponsored by Eugen Graf Focus Architects Brett R. Potter 312 Accola Drive Bozeman, MT 59715 (406) 579-8450 [email protected] www.focusarchitects.com Sponsored by Rob Evans Fused Homes LLC Timothy Bradley 2259 Gallatin Green Boulevard Bozeman, MT 59718 (406) 599-6097 [email protected] Smith Xcavation, Inc. Jeremy Smith 2651 Kid Curry Drive Bozeman, MT 59718 (406) 556-1141 Sponsored by Eugen Graf AFFILIATES RE/MAX Realty Group Leslie Miller 1933 North 22nd Avenue Bozeman, MT 29718 (406) 579-4730 [email protected] www.remaxbozeman.com/agents/miller-leslie *Indicates Issues Fund Contributor

5 DO BUSINESS WITH A MEMBER

Sale and Contract Prices per Square Foot in 2014

BY NATALIA SINIAVSKAIA

For single-family homes started in 2014, median prices, excluding improved lot values, range from $159 per square foot for contractor-built homes in the Pacific and New England divisions to $80 per square foot for speculatively-built homes in the East South Central divi-sion.

The most expensive new single-family homes in 2014 were contractor-built homes in the Pacific and New England divisions with the median contract price of $159 per square foot. Just like a year ago, the Middle Atlantic division remains home to the most expensive spec houses with a median sale price of $149 per square foot, excluding improved lot values.

The most economical homes are spec homes started in the South region, where median sale prices per square foot (excluding improved lot values) range from $79 in the West South Central division to $85 in the South Atlantic division, consistently below the national median sale price of $89 per square foot.

Looking at the contractor-built starts in the South, prices per square foot are slightly higher ranging from $85 in the East South Central division to $94 in the West South Central division but still below the national median contract price of $97 per square foot.

Typically, contractor-built custom homes are more ex-pensive per square foot than spec homes after exclud-ing improved lot values, suggesting that new custom home buyers are not only willing to wait longer to move into a new home but also pay extra for more expensive

Features and materials. The clear exception is the Middle Atlantic division where half of spec homes have costs per square foot in excess of $149 while the median for contractor-built homes is $120. In 2014, the East North Central and West North Central divisions also registered median sale prices per square foot exceeding median contract prices but the differences are not substantial.

Nationally, square footage prices (excluding improved lot values) for both custom and spec homes increased just slightly, 4 and 2 percent respectively, compared to 2013. However, some regions registered much bigger increases. In the Middle Atlantic division, the median contract price per square foot jumped 17 percent and the median sale price increased 14 percent. In the West North Central division, sale prices per square foot increased 16 percent but contract prices per square foot registered a small decline.

Annual changes in median square footage prices may reflect changes in home building costs (including material, labor, regulatory costs, etc.) but may also

signal a shift in a production mix. For example, a shift towards high-end homes will be reflected in rising median square footage prices, all other things being equal. And vice versa, a shift in a home building mix towards starter, first-time home buyer’s homes will manifest itself in lower median prices per square foot.

The NAHB estimates are based on the Survey of Construction (SOC) data. The survey information comes from interviews of builders and owners of the selected new houses. Contract prices of new contractor-built homes do not include value of improved lot and, typically, are lower than sale prices of spec homes.

To make comparison more meaningful the cost of lot development is excluded from sale prices and prices are compared on a per foot basis. The reported prices are medians, meaning that half of all builders reported higher per square foot prices and the other half reported prices lower than the median. For the square footage statistics, the SOC uses all completely finished floor space, including space in basements and attics with finished walls, floors, and ceilings. This does not include a garage, carport, porch, unfinished attic or utility room, or any unfinished area of the basement.

DO BUSINESS WITH A MEMBER 6

Sale and Contract Prices per Square Foot in 2014

Continued from previous page...

7 DO BUSINESS WITH A MEMBER

RENEWING MEMBERS BUILDERS

Bozeman Green Build Dovetail Construction, Inc. Yellowstone Traditions ASSOCIATES

Air Controls Co Inc. Take Pride InsulationLLC Bridger Garage Door The Rain Gutter Guys LLC Bridger Mountain Plumbing Castle Rock Geotechnical Engineering PLLC Futura Kitchen Cabinetry, Inc. Kenco Security & Technology Langley Roofing Last Best Place Landscaping, Inc. *Leavitt Great West Insurance Liberty Fence & Deck Madison Engineering Manhattan Bank Northwest Drywall & Roofing Supply, Inc. Phillips Hardwood Floors Precision, Inc. Quarry Works, Inc. RE/MAX Realty Group Sanderson Stewart

*Indicates Issues Fund Contribution

Our thanks to all that attended the Sept. 23 Associate Member Appreciation Social at the Rocking R Bar. Good food, drinks & great company. Many thanks also to Opportunity Bank for being our Table Top Sponsor.

EMPLOYER NEWS 8

Coverage Requirements for

Employees Working Solely in North

Dakota

The following notice is an important reminder from the Montana State Fund to companies with workers traveling to North Dakota. The Montana Legislature passed HB538 effective July 1

st, 2015.

HB538 is intended to reduce requirements to cover al l employees in Both North Dakota and Montana and clarify where claims will be filed when Montana employe rs send Montana employees to work solely in North Dakota. HB538 exc ludes Montana emp loyees f rom Montana coverage if the employees:

Work solely in North Dakota; and

Are required to be covered in North Dakota; and

Are covered under a North Dakota policy.

This exclusion is effective for as long as the Montana employees work solely in North Dakota and are covered under a North Dakota policy. ―Work solely in North Dakota‖ means the employees do not perform job duties in Montana. Travel that is commuting to and from a job site in North Dakota from a location in Montana does not constitute performing job duties in Montana even if the employer pays for all or a portion of the cost of travel or if the worker is paid for the travel time. If an employee is injured and meets the above provisions, the employee’s claim should be filed in North Dakota under the North Dakota policy. The Montana Department of Labor and Industry has published an Employment Verification Form for Montana Employees Working

solely in North Dakota and a supporting information document. You may obtain the documents from their website at http://erd/dli.mt.gov/work-comp-regulations/insurance-compliance/forms . Montana State Fund may require completion of the Employment Verification Form, proof of coverage in North Dakota and records of work in North Dakota. If you have any questions, please contact your agent or Customer Service Specialist Select Team (800)332-6102 or (406)495-5000

FREE MEMBER BENEFIT

LEGAL SERVICES

To access Legal Services &

Programs resources and products, visit www.nahb.org

DO BUSINESS WITH A MEMBER 10

EDUCATION 11

GRIP SAFETY

MBIA

GRIP Announces $458,445.58 Return By Sean Lawler:

MBIA G.R.I.P. Safety Director

The MBIA G.R.I.P. program is ecstatic to announce a dividend return of $458,445.58 to members enrolled during the 2014 membership year. Each G.R.I.P member will receive a cash dividend based on their Montana State Fund policy premium contributions and loss record for the dividend period from July 1

st, 2013 through June 30

th, 2014.

This substantial achievement is due to our members’ commitment to controlling workplace accidents and commitment to promoting a safety culture within their organization. This latest return pushes the total dividends paid to G.R.I.P. members to over $6,000,000 since the program began in 1998. Substantial dividend returns on your Montana State Fund policy premiums is just one of many program benefits. Other benefits of this nationally awarded program (Recipient of the 2014 Associate Safety Program of the Year Award from The National Association of Home Builders) which help contribute to accident control and safety include the following: Free Monthly Safety Seminar – These seminars are free of charge and for owners and employees enrolled in G.R.I.P. Safety seminars take place at seven different locations around the state. We also offer individual training and certification(s) for Forklift Operators, scaffolding competent person, electrical safety, OSHA compliance, powder actuated tools, and more. Free On-Site Inspections – Confidential inspections are encouraged for G.R.I.P. members; working with your

designated jobsite person we can train your staff to be aware of good safety practices. Free “Jobsite Handbooks” – The books were designed in conjunction with OSHA to help keep G.R.I.P. members in compliance with common safety issues in the construction industry. MBIA Model Safety Program – For any G.R.I.P. member that does not currently have a safety program or is in need of overhauling their current lack luster program we have a model to fit your needs. Through our strategic partnership with the Montana State Fund, G.R.I.P. Has returned over $6,000,000 in dividends to its members to date. Despite all of the substantial benefits afforded by the G.R.I.P. program we still encounter eligible builders and tradesmen in Montana not enrolled in the program. G.R.I.P. is a benefit included in the cost of your BIA membership at no additional charge. Business owners still seem to think; ―What’s the Catch?‖ a common response with all of the ―It’s too good to be true‖ scams in today’s world. There is no catch with the G.R.I.P. program whatsoever. G.R.I.P. is an affiliated program funded by the Montana State Fund to help promote and improve safety in Montana’s construction industry. This business relationship makes logical sense helping curb claim expense and educate Montana workers. Please contact the Montana Building Industry Association office at (406)442-4479 or your local Home Builder Association. Please do not hesitate to contact us with any questions, concerns, or to enroll in GRIP today!

ALSO AVAILABLE BY REQUEST: Excavation/Trenching, Competent Person Scaf-

folding Certification, Powder Actuated Tools, Aerial Lift Certification, Hazard Communi-

cation (SDS), Back & Lifting Safety, Defensive Driving, and Electrical Safety

Sean Lawler & Mike Rocchio GRIP Safety Specialists

Call Sean or Mike at (406) 442-4479 or visit www.montanabia.com for

more information.

Nationally recognized as a

top safety program!

12 EDUCATION

ECONOMICS 13

HOUSING STARTS

ePlan is Here! Electronic Plan Review (ePlan) is a web-based solution that allows plans for Building Permits and Zoning Projects to be submitted electronically, replacing the traditional paper-based review method. ePlan will improve the plan review cycle; reduce costs associated with obtaining building permits and development approvals as well as support green initiatives.

www.bozeman.net

Development Code Update The City is Updating the Development Code - Learn How you

can get involved! The Community Development Department is currently in the process of updating Bozeman's Development Code. The intent is that the Development Code clearly communicate the community's expectations for development as expressed in the Community Plan. The Development Code Update is a comprehensive update that covers many topics, diverse geographic area, and complex. The project timeline may be viewed by following the link below to the Scope of Work. Please note that the timeline will be updated on an ongoing basis to reflect community interest as well as Planning Board, Zoning Commission and City Commission direction. All public meetings of proposed Development Code Amendments will be posted when available.

Community Affordable Housing Ordinance

Affordable Housing Ordinance tabled for November 16, 2015

The Community Affordable Housing Advisory Board has deliberated on a number of incentives, as suggested by Werwath & Associates to encourage Affordable Housing within the City of Bozeman. Using the feedback from the board, the City has prepared an Inclusionary Housing Ordinance to replace the Workforce Housing Ordinance currently in place. Wendy Thomas presented this ordinance to the City Planning Board and Zoning Commission on September 8

th, 2015 at

6:00pm where it was tabled for further discussion and a vote on November 16, 2015. The city encourages everyone to come out and learn more and provide feedback.

14 DO BUSINESS WITH A MEMBER

Thank you Parade Builders!

Brad Amundson

Shane Cavallini

Eugene Graf IV

Keith Fraser

Craig Kirchhoff

Marilee Anderson & Bill Luehrs

Zeb Miller

Rob Evans & CSI Crew

You are all SWMBIA’s

SUPER STARS!

15 Economic Indicators

Improving Immigration

Elliot Eisenberg, Ph.D., GraphsandLaughs, LLC

The current US immigration system not only doesn’t work but is not

being fixed. That said, given that the race to the White House is on, immigration is sure to play a starring role in the unfolding presidential drama. Rather than rehash stale ideas - anchor babies, border patrols, and the like - below are several proposals that use market forces and not bureaucratic solutions to solve several different immigration problems in ways that not only improve our competiveness but also our balance sheet. At present, the majority of legal immigrants who arrive do so on the basis of family reunification. Fewer than 20% of immigrants obtain green cards based on marketable skills. Instead, allocate immigration visas based primarily on occupational needs. Observe which occupations and industries are experiencing a combination of fast wage growth, lowest unemployment rates and high vacancy rates and allocate entry visas accordingly while keeping existing caps. In this way visas will go to those with skills in shortest supply. As for temporary H-2B non-agricultural worker visas and H-1B (high tech) visas, eliminate the quotas on them as is the case with H-2A agricultural visas. If American businesses need temporary workers, they should get them after showing that there are insufficient workers currently available. Depriving firms of workers benefits no one. As for concerns that these new workers will depress wages of existing workers, that concern is not borne out by research. Moreover, by allocating visas based on employment shortages, unan-ticipated downward wage pressure should be reduced. Next, create a new visa, aU-Visa, for those who are here but undocumented. The visa would allow the holder and their family to stay and work here. The catch, the visa would not lead to citizenship and would have an annual fee. I suspect that a fair price would be about $500 to $700/year. Assuming a few million were bought, this program would bring in $1 to $2 billion annually. Charging for the visa discourages those with-out jobs from staying. Moreover, this approach would be bundled with severe penalties for employers caught knowingly employing illegals. Absent a job, illegals will find it difficult to remain here. Lastly, abolish the EB-5 program that allows foreigners to invest their way into the US. At present, depending

upon the location of the investment, between $500,000 and $1 million must be invested and shown to create or maintain 10 jobs. After seven years, the investor may then apply to become a naturalized US citizen. This process is convoluted, requires bureaucracy and infrastructure, lends itself to substantial fraud and because the number of visas is capped at 10,000, the wait time is several years. Instead, simply sell citizenship via an auction, similar to the way Treasury securities are sold. The households that would apply would have means, and charging for a passport would allow us to allocate this scarce resource to those who want it most. Given that Malta charges roughly $700,000 for a passport and St. Kitts and Nevis $250,000, I bet the Treasury could net close to a million per applicant with the current quota intact and raise nearly $10 billion/year. While you may or may not agree with these proposed solutions, the point is markets and market signals can solve difficult social problems if only given a chance. It’s not as if the status quo couldn’t stand a re-think. Elliot Eisenberg, Ph.D. is President of GraphsandLaughs, LLC and can be reached at [email protected]. His daily 70 word economics and policy blog can be seen at www.econ70.com.

16 ASSOCIATION

DO BUSINESS WITH A MEMBER 17

Apex Group, Inc. 8 Big Sky Insulations 14 First Interstate Bank 19 First Security Bank 18 First West Insurance 7 Knife River 6 Little Stinkers Septic & Portable Toilets 10, 16 Simkins Hallin Lumber Company 20 Stockman Bank 15 TMC, Inc. Sand & Gravel 12 Tractor & Equipment Co. “The Cat Rental Store” 5

QUESTIONS ABOUT THIS PUBLICATION?

(406) 585-8181 ♦ www.swmbia.org

EXECUTIVE COMMITTEE 2015

Chairperson / President Brian Popiel, Arete Bldrs/Resource Site Svcs First Vice Chair Andy Rowe, Alpenglow Custom Builders Second Vice Chair Darryl Seymour, Montana Title & Escrow Associate Vice Chair Mike Thompson, Kenyon Noble Lumber Treasurer Tylene Vitt, Rudd & Company Past Chairman Nathan Albrecht, Pro Builders

2015 BOARD OF DIRECTORS BUILDER BOARD MEMBERS 2 Year Term 2015 Dan Barnes 2 Year Term 2015 Andrew Mazzella 2 Year Term 2015 Adrian Vaughn 2 Year Term 2016 Rob Evans 2 Year Term 2016 David Graham 2 Year Term 2016 Bryan Morrison ASSOCIATE BOARD MEMBERS 2 Year Term 2015 Jeri Norris 2 Year Term 2015 Beth Zeman 2 Year Term 2016 Ryan Ballenger LIFE DIRECTORS Gene Graf, Clair Daines, Tim Dean, Jim Syth, Frank Armknecht, Richard Smith, Byron Anderson

STATE DIRECTORS 2015 ELECTED Nathan Albrecht, Brian Popiel, Bill Fiedler, Adrian Vaughn, Mike Jarrett ALTERNATES LIFE DIRECTORS Frank Armknecht, Tim Dean, Gene Graf, Richard Smith, Byron Anderson

NATIONAL DIRECTORS 2015 ELECTED Brian Popiel, Bill Fiedler ALTERNATE Mike Thompson LIFE DIRECTORS Tim Dean, Frank Armknecht, Jim Syth, Richard Smith, Byron Anderson SENIOR LIFE DIRETORS Clair Daines, Gene Graf

COMMITTEE CHAIRS 2015 Golf Tournament Committee Chair Adrian Vaughn Government Affairs Committee Chair David Graham Government Affairs C.I.T.F. Eugene Graf IV Green Building Committee Chair Anders Lewendal Home Expo Committee Chair Beth Zeman Parade of Homes Committee Chair Darryl Seymour Membership Committee Chairs Leif Sundeen, Brett Baragar

ADVERTISER’S INDEX

What a Parade of Homes!

You missed seeing these gems? Pick up a Parade Magazine & catch up!

Amundson Construction

Cavallini Construction

Constructive Solutions

Inc.

EG Construction LLC

Keith Fraser Construction

Kirchhoff Construction

Miller Construction

Pioneer Crossing LLC

18 DO BUSINESS WITH A MEMBER

Luke Howard, SWMBIA Government Affairs Director

SWMBIA GOVERNMENT AFFAIRS UPDATE

The affordable housing ordinance that the city has been working towards for months finally came for a vote on September 21, but rather than make a decision, the commission chose to kick it down the road. For now, it would appear that the affordable housing ordinance has been pushed off until November. However, we now at least have a draft of Ordinance 1922. I encourage you all to read it thoroughly because, if approved, this ordinance would have major repercussions on the housing industry in Bozeman. While parts of the community think that affordable housing is entirely at the whim of the building industry (many people don’t fully understand just how many factors affect the final sale price of a home), this ordinance inadvertently shows how much the local government can drive up costs.

As far as other issues, the city did pass an Arterial and Collector Assessment District (read tax for streets). The idea of this tax is to raise the public side of the funds that go towards capacity increases of major roads. This was supported by the commission after being urged by the public works director in an effort to get out in front of the growth that the city has been seeing. There are city elections coming up and we will be releasing endorsements of candidates to the Chronicle sometime within the coming weeks, so please keep an eye out for those endorsements and don’t forget to vote. As always, if you have any concerns or

hear of an issue that may be coming

down the line do not hesitate to call me.

Or if you want to find out how you can

be involved, let me know - I’m here to

advocate for you.

Southwest Montana Building Industry Association

1716 West Main Street Suite 8-G Bozeman MT 59715

www.swmbia.org

PRSRT-STD

U.S. POSTAGE PAID

BOZEMAN MT 5 59715

Permit #9

Membership Meeting & Dinner BOARD OF DIRECTORS ELECTIONS

Wed. October 14th Bozeman Holiday Inn

5 Baxter Lane 5:30pm Cocktails 6:30pm

$25/each RSVP Please! PLEASE CHOOSE ONE OF FOLLOWING ENTREES:

Chicken Saltimbocca Sliced Strip Loin of Beef w/Bordelaise Sauce Vegetable Lasagna

Family Fun

HALLOWEEN PARTY Wed. Oct. 28

th

Distinctive Lighting

2608 W. Main St.

5:30pm —7:30pm

No charge, just join the fun! Prizes for best costume!