׉?ׁB!בCט(u׉׉ 7cassandra://brDbCHdTpuknB0CIihKrDM6ootI1Nbts7KXgtULDE9o29`׉ 7cassandra://ObgH_SdWJsw-QkxuzarQgxCGlH_EVPnvl_e6-exq2Kk͂`s׉ 7cassandra://JUTQccco1Ky8aQaL8RfRl_CZe9derl1aK193jf7IYgw)`׉ 7cassandra://xkjOa_uBFBY6uwL_EgmOHmr1tyYAunDUDq-yBbaIjdoH͠]^;Siט(u׉׉ 7cassandra://brDbCHdTpuknB0CIihKrDM6ootI1Nbts7KXgtULDE9o29`׉ 7cassandra://ObgH_SdWJsw-QkxuzarQgxCGlH_EVPnvl_e6-exq2Kk͂`s׉ 7cassandra://JUTQccco1Ky8aQaL8RfRl_CZe9derl1aK193jf7IYgw)`׉ 7cassandra://xkjOa_uBFBY6uwL_EgmOHmr1tyYAunDUDq-yBbaIjdoH͠]^;Siט(u׉׉ 7cassandra://brDbCHdTpuknB0CIihKrDM6ootI1Nbts7KXgtULDE9o29`׉ 7cassandra://ObgH_SdWJsw-QkxuzarQgxCGlH_EVPnvl_e6-exq2Kk͂`s׉ 7cassandra://JUTQccco1Ky8aQaL8RfRl_CZe9derl1aK193jf7IYgw)`׉ 7cassandra://xkjOa_uBFBY6uwL_EgmOHmr1tyYAunDUDq-yBbaIjdoH͠]^;Siט(u׈CNSvu׈E^;Si׉EAPR I L 2020 NEWSLETTER To promote, educate and advocate for the Residential Building & Remodeling Industry; providing resources that benefit industry professionals and consumers in the communities we serve. The HBR got in the TopGolf event just before the shut down. It was a great day for networking and the weather didn’t matter at all. 14 bays filled with games, food and friendship. WHATS INSIDE Upcoming Event Registrations • • • • Apr 28 - Lobby Day CANCELLED May 7 - Spring Social May 15 - Sport Clay Shoot May 30 & 31 - SAFB Air Show CANCELLED Jun 5 - Bury the Hatchet / Axe Throwing Event MOMENTS FROM PAST EVENTS Home Show exhibitor booths Anybody’s Game event at TopGolf    Membership Renewals & New Members CoVid19 Jobsite Safety Steps NAHB Viral Uncertainty Industry Forecast NAHB BuildPAC Challenge HBAI UnitedHealthcare Insurance program Page 1 ׉ 7cassandra://JUTQccco1Ky8aQaL8RfRl_CZe9derl1aK193jf7IYgw)`^;Si^;Si(בCט(u׉׉ 7cassandra://VbKIzXQLjGlEInEsZeZLjB8Hjo2jIlv3g3Z1xAv2YPQxV`׉ 7cassandra://uxcoS-Fues1fd2ZcCBBLIqtaaajKgu_eo0WsiprVDL4Q~`s׉ 7cassandra://xz1CvlU5AUcjr1dueuprKysFS9rUShRqhO5GH3RnxtE_`׉ 7cassandra://5o8CPccVtYfo6L1_Zl8YVV3f85eUAQBT5y2pgOnMj5Mh͠]^;Siט(u׉׉ 7cassandra://KfkRmk87IZjcB2L0SUX7S1OFvdv2nd7KM4_VcLuN8sY `׉ 7cassandra://oNuqjVUbuNGAeAq7nTz6MgW14JUBPLRqAtExCyYrlDM͝`s׉ 7cassandra://QZzjdt6mw5B7x2ZswV1XeK56l6lECeG4V2pq7Fgnbac("`׉ 7cassandra://_bAAVwRXS3nYrgITFHH3u6ZCjpE1w-ybwKtExrCu6wA͙Q.͠]^;Siט(u׉׉ 7cassandra://VbKIzXQLjGlEInEsZeZLjB8Hjo2jIlv3g3Z1xAv2YPQxV`׉ 7cassandra://uxcoS-Fues1fd2ZcCBBLIqtaaajKgu_eo0WsiprVDL4Q~`s׉ 7cassandra://xz1CvlU5AUcjr1dueuprKysFS9rUShRqhO5GH3RnxtE_`׉ 7cassandra://5o8CPccVtYfo6L1_Zl8YVV3f85eUAQBT5y2pgOnMj5Mh͠]^;Siט(u׉׉ 7cassandra://KfkRmk87IZjcB2L0SUX7S1OFvdv2nd7KM4_VcLuN8sY `׉ 7cassandra://oNuqjVUbuNGAeAq7nTz6MgW14JUBPLRqAtExCyYrlDM͝`s׉ 7cassandra://QZzjdt6mw5B7x2ZswV1XeK56l6lECeG4V2pq7Fgnbac("`׉ 7cassandra://_bAAVwRXS3nYrgITFHH3u6ZCjpE1w-ybwKtExrCu6wA͙Q.͠]^;Siט(u׉׉ 7cassandra://VbKIzXQLjGlEInEsZeZLjB8Hjo2jIlv3g3Z1xAv2YPQxV`׉ 7cassandra://uxcoS-Fues1fd2ZcCBBLIqtaaajKgu_eo0WsiprVDL4Q~`s׉ 7cassandra://xz1CvlU5AUcjr1dueuprKysFS9rUShRqhO5GH3RnxtE_`׉ 7cassandra://5o8CPccVtYfo6L1_Zl8YVV3f85eUAQBT5y2pgOnMj5Mh͠]^;Siט(u׉׉ 7cassandra://KfkRmk87IZjcB2L0SUX7S1OFvdv2nd7KM4_VcLuN8sY `׉ 7cassandra://oNuqjVUbuNGAeAq7nTz6MgW14JUBPLRqAtExCyYrlDM͝`s׉ 7cassandra://QZzjdt6mw5B7x2ZswV1XeK56l6lECeG4V2pq7Fgnbac("`׉ 7cassandra://_bAAVwRXS3nYrgITFHH3u6ZCjpE1w-ybwKtExrCu6wA͙Q.͠]^;Siנ^;Si9׉H!https://disasterloan.sba.gov/ela/Gׁ ׁ rנ^;Si0̾9׉H&mailto:disastercustomerservice@sba.govGׁ ׁ rנ^;Si0̴9׉Hmailto:7aquestions@sba.govGׁ ׁ rנ^;Si6f9׉Hbhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/astrong@nahb.orgGׁ ׁ rנ^;Si$$̕9׉Hchttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/hvoorman@nahb.orgGׁ ׁ rנ^;SiOJ.9׉HRhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/Gׁ ׁ rנ^;Sih9׉Hjhttps://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-PreparednessGׁ ׁ rנ^;Si9׉H!https://disasterloan.sba.gov/ela/Gׁ ׁ rנ^;Si0̾9׉H&mailto:disastercustomerservice@sba.govGׁ ׁ rנ^;Si0̴9׉Hmailto:7aquestions@sba.govGׁ ׁ rנ^;Si6f9׉Hbhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/astrong@nahb.orgGׁ ׁ rנ^;Si$$̕9׉Hchttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/hvoorman@nahb.orgGׁ ׁ rנ^;SiOJ.9׉HRhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/Gׁ ׁ rנ^;Sih9׉Hjhttps://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-PreparednessGׁ ׁ rנ^;Si9׉H!https://disasterloan.sba.gov/ela/Gׁ ׁ rנ^;Si0̾9׉H&mailto:disastercustomerservice@sba.govGׁ ׁ rנ^;Si0̴9׉Hmailto:7aquestions@sba.govGׁ ׁ rנ^;Si6f9׉Hbhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/astrong@nahb.orgGׁ ׁ rנ^;Si$$̕9׉Hchttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/hvoorman@nahb.orgGׁ ׁ rנ^;SiOJ.9׉HRhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/Gׁ ׁ rנ^;Sih9׉Hjhttps://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-PreparednessGׁ ׁ rנ^;Si0̴9ׁHmailto:7aquestions@sba.govׁ ׁ Јנ^;Si09ׁH&mailto:disastercustomerservice@sba.govׁ ׁ Јנ^;Si9ׁH!http://disasterloan.sba.gov/ela/.ׁ ׁ Јנ^;Sim9ׁH&https://www.nahb.org/Advocacy/Industryׁ ׁ Ј׉EPage 2 ׉ 7cassandra://xz1CvlU5AUcjr1dueuprKysFS9rUShRqhO5GH3RnxtE_`^;Si׉EsCongress Approves $2.2 Trillion Economic Stimulus Package This information is provided by NAHB, use the link below to view more resources https://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-Preparedness Congress has approved a $2.2 trillion economic stimulus package in response to the coronavirus pandemic that has wreaked havoc on the U.S. economy. The Coronavirus Aid, Relief, and Economic Security (CARES) Act includes several provisions to help small businesses and those engaged in the residential construction sector. The Senate passed the bill on March 25. The House approved the legislation on March 27 and President Trump signed the economic stimulus bill later that day. At the top level, the CARES Act will: • Make direct payments of $1,200 to most individuals earning up to $75,000, or $2,400 for couples earning up to $150,000. The amount decreases for individuals making more than $75,000 and payments cut off for those earning above $99,000. • Provide an additional $367 billion in loans for small businesses to help deal with payroll issues. • Create a $500 billion lending program for larger companies, including airlines, as well as states and cities. • Establish an oversight board and inspector general to oversee loans to large companies. • Provide $130 billion for hospitals. • Earmark $150 billion for state and local governments. Here are more details how this aid package will help members of the small business community and housing sector: Small Business Small business owners in all U.S. states and territories are currently eligible to apply for low-interest Economic Injury Disaster Loans (EIDL) of up to $2 million that can provide vital economic support to help overcome the temporary loss of revenue due to the COVID-19 response. Applicants may request an advance in the amount of $10,000 to be delivered within three days of the request. This advance must be used to: 1. Provide sick leave to employees unable to work due to the effects of COVID-19; 2. Maintain payroll to retain employees; 3. Cover increased costs of materials due to interrupted supply chains; 4. Make rent or mortgage payments; or 5. Repay other obligations that cannot be met due to revenue losses. An applicant will not be required to repay this advance if it is used for these purposes, even if they are subsequently denied a loan under the EIDL program. Qualified businesses can apply online at disasterloan.sba.gov/ela/. For application assistance, please contact an SBA customer service representative at 1-800-659-2955 or email disastercustomerservice@sba.gov. Small and medium sized businesses (with fewer than 500 employees) are also eligible to apply for SBA’s expanded 7 (a) loan program. This program is not provided through SBA directly, so the first step to qualifying for a 7(a) loan is to find an SBA approved lender in your community. Your lender can guide you through the application process and determine which 7(a) loan product will work best for your business. Allowable uses of these loans include: 1. Payroll costs; 2. Certain costs related to the continuation of group health care benefits; 3. Employee salaries (including commissions); 4. Mortgage, rent and utilities payments; and 5. Interest on any other debt obligations that were incurred before the covered period. A loan recipient may be eligible for forgiveness on a covered loan used for costs including payroll, mortgage and rent obligations, and utility payments. If you have questions about the 7(a) loan program, you can contact the SBA at 1-877-475-2435 or email 7aquestions@sba.gov. If you are having issues with the EIDL or 7(a) loan application process or if your application was denied, please contact Alex Strong at NAHB at 1-800-368-5242 x8279 or Heather Voorman at 1800-368-5242 x8425. Tax The CARES Act provides a number of tax provisions aimed at providing financial relief to most American taxpayers as well as new tools to aid struggling businesses. The centerpiece of the bill is a $1,200 “recovery rebate” that will be distributed to all eligible Americans. But the bill also includes needed tax relief to small businesses, including an employee retention tax credit; the ability to delay certain payroll tax payments; providing advance refunds of the new sick and medical leave tax credits; and relaxing rules related to net operating losses. More detail is provided on page 4 ***NOTE: NAHB is providing this information for general information only. This information does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind nor should it be construed as such.*** Page 3 ׉ 7cassandra://QZzjdt6mw5B7x2ZswV1XeK56l6lECeG4V2pq7Fgnbac("`^;Si^;Si(בCט(u׉׉ 7cassandra://MPi5-sogcfi6AY3jNL9_L28E09vEt9zuLzj0Fxi9_4w`׉ 7cassandra://nj6c5NwP74I_2WPShYyrq2zrVKEUbXFBYZ5hxBSheiE͡`s׉ 7cassandra://--WXy5NKKHgCGTah-DnIoiwr3aT31_YOXbNapXr9uPY)c`׉ 7cassandra://2xMn-3kXRhugR1fAGG7DC63MmtGjFxGVcE3tshjrncI͆2͠]^;Siט(u׉׉ 7cassandra://oUWW9ror6G-zOPgCskdhjESVYIXfI8MgR60ae7rq6nc`׉ 7cassandra://_zYrSsg46i44B1-ZhWxDwLQcu4Ry0G7vpCikRdfFFa0ͦ}`s׉ 7cassandra://erYIQjjz5Zt0-uv0yItnuUKe1OmxJxf7GIyLGSCjpfA(b`׉ 7cassandra://oozzgQq4dnPYUn3Ul3SdpY2nQ1OP-XfQTABLWk6zjLQ͂͠]^;Siט(u׉׉ 7cassandra://MPi5-sogcfi6AY3jNL9_L28E09vEt9zuLzj0Fxi9_4w`׉ 7cassandra://nj6c5NwP74I_2WPShYyrq2zrVKEUbXFBYZ5hxBSheiE͡`s׉ 7cassandra://--WXy5NKKHgCGTah-DnIoiwr3aT31_YOXbNapXr9uPY)c`׉ 7cassandra://2xMn-3kXRhugR1fAGG7DC63MmtGjFxGVcE3tshjrncI͆2͠]^;Siט(u׉׉ 7cassandra://oUWW9ror6G-zOPgCskdhjESVYIXfI8MgR60ae7rq6nc`׉ 7cassandra://_zYrSsg46i44B1-ZhWxDwLQcu4Ry0G7vpCikRdfFFa0ͦ}`s׉ 7cassandra://erYIQjjz5Zt0-uv0yItnuUKe1OmxJxf7GIyLGSCjpfA(b`׉ 7cassandra://oozzgQq4dnPYUn3Ul3SdpY2nQ1OP-XfQTABLWk6zjLQ͂͠]^;Siט(u׉׉ 7cassandra://MPi5-sogcfi6AY3jNL9_L28E09vEt9zuLzj0Fxi9_4w`׉ 7cassandra://nj6c5NwP74I_2WPShYyrq2zrVKEUbXFBYZ5hxBSheiE͡`s׉ 7cassandra://--WXy5NKKHgCGTah-DnIoiwr3aT31_YOXbNapXr9uPY)c`׉ 7cassandra://2xMn-3kXRhugR1fAGG7DC63MmtGjFxGVcE3tshjrncI͆2͠]^;Siט(u׉׉ 7cassandra://oUWW9ror6G-zOPgCskdhjESVYIXfI8MgR60ae7rq6nc`׉ 7cassandra://_zYrSsg46i44B1-ZhWxDwLQcu4Ry0G7vpCikRdfFFa0ͦ}`s׉ 7cassandra://erYIQjjz5Zt0-uv0yItnuUKe1OmxJxf7GIyLGSCjpfA(b`׉ 7cassandra://oozzgQq4dnPYUn3Ul3SdpY2nQ1OP-XfQTABLWk6zjLQ͂͠]^;Siנ^;Si.9׉HRhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/Gׁ ׁ rנ^;Siwd9׉Hmailto:jdelmore@nahb.orgGׁ ׁ rנ^;Si* i9׉Hmailto:dlogan@nahb.orgGׁ ׁ rנ^;Sig{c9׉Hahttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/smeyer@nahb.orgGׁ ׁ rנ^;Sȉp9׉Hahttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/jlynch@nahb.orgGׁ ׁ rנ^;Si̸9׉H}http://nahbnow.com/2020/03/congress-expected-to-pass-coronavirus-response-act-requiring-employer-paid-sick-and-medical-leave/Gׁ ׁ rנ^;Si.h9׉Hmailto:amoch@nahb.orgGׁ ׁ rנ^;Si*9׉Hjhttps://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-PreparednessGׁ ׁ rנ^;Si.9׉HRhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/Gׁ ׁ rנ^;Siwd9׉Hmailto:jdelmore@nahb.orgGׁ ׁ rנ^;Si* i9׉Hmailto:dlogan@nahb.orgGׁ ׁ rנ^;Sig{c9׉Hahttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/smeyer@nahb.orgGׁ ׁ rנ^;Sȉp9׉Hahttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/jlynch@nahb.orgGׁ ׁ rנ^;Si̸9׉H}http://nahbnow.com/2020/03/congress-expected-to-pass-coronavirus-response-act-requiring-employer-paid-sick-and-medical-leave/Gׁ ׁ rנ^;Si.h9׉Hmailto:amoch@nahb.orgGׁ ׁ rנ^;Si*9׉Hjhttps://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-PreparednessGׁ ׁ rנ^;Si.9׉HRhttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/Gׁ ׁ rנ^;Siwd9׉Hmailto:jdelmore@nahb.orgGׁ ׁ rנ^;Si* i9׉Hmailto:dlogan@nahb.orgGׁ ׁ rנ^;Sig{c9׉Hahttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/smeyer@nahb.orgGׁ ׁ rנ^;Sȉp9׉Hahttp://nahbnow.com/2020/03/senate-approves-2-2-trillion-economic-stimulus-package/jlynch@nahb.orgGׁ ׁ rנ^;Si̸9׉H}http://nahbnow.com/2020/03/congress-expected-to-pass-coronavirus-response-act-requiring-employer-paid-sick-and-medical-leave/Gׁ ׁ rנ^;Si.h9׉Hmailto:amoch@nahb.orgGׁ ׁ rנ^;Si*9׉Hjhttps://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-PreparednessGׁ ׁ rנ^;SiŁ/9ׁH&https://www.nahb.org/Advocacy/Industryׁ ׁ Ј׉EEconomic Stimulus Package continued New Tax Benefits for Individuals Recovery Rebates: The tax-related centerpiece of the third economic stimulus bill consists of “recovery rebates” — a $1,200 one-time payment (plus $500 per child) — mailed (or direct deposited) to every eligible taxpayer in the coming weeks. • Eligible recipients include taxpayers with adjusted gross income up to $75,000 (single)/$112,500 (head of household)/ $150,000 (joint filers). Joint filers will receive $2,400. • The rebate is phased out for taxpayers with higher incomes and is completely phased out for single filers, heads of household, and joint filers with incomes above $99,000, $136,500, and $198,000, respectively. • All eligible taxpayers will receive a check, which will be processed automatically based on the taxpayers’ 2019 tax returns. If the taxpayer has not yet filed a 2019 tax return, the IRS will use their 2018 tax return. • This is structured as a tax credit that is refunded in advance. Taxpayers will have to account next year for any “recovery rebate” on their 2020 tax returns. Waived Penalties for Early, CoronavirusRelated Withdrawals from Retirement Funds: Taxpayers will not have to pay the 10% early withdrawal penalty for distributions up to $100,000 from qualified retirement accounts. • Taxpayers will have three years to pay taxes on income from such a distribution, and • The taxpayer may recontribute the funds to an eligible retirement plan within three years without regard to that year’s cap on contributions. •This provision is only applicable for coronavirus-related purposes. To qualify, the taxpayer must: • Be diagnosed with COVID-19; • Have a spouse or dependent diagnosed with COVID-19; or •Experience adverse financial consequences as a result of: • Being quarantined, furloughed, laid off, having work hours reduced; • Being unable to work due to COVID-19 related child care issues; • Closing or reducing hours of a business operated by the taxpayer; or • Other factors as determined by the Secretary of Treasury. Temporary Waiver for Required Minimum Distribution Rules for Certain Retirement Accounts: For 2020, this waives the required minimum distribution rules for certain defined contribution plans and individual retirement accounts. Partial Above-the-line Deduction for Charitable Contributions: Non-itemizing taxpayers will be eligible for a deduction up to $300 for cash contributions to churches and certain other charitable organizations. This applies for contributions made in 2020 and becomes a permanent feature of the tax code for subsequent years. New Tax Benefits for Individuals and Corporations Temporary Increase in Limits on Charitable Deductions: Prior to the CARES Act, individuals and corporations could only deduct charitable contributions up to 50% (individuals) or 10% (corporations) of their adjusted gross income (AGI). To encourage charitable giving in 2020: • The individual deduction limit is suspended. • For corporations, the limit is increased to 25% of adjusted gross income New Tax Benefits for Businesses Employee Retention Credit: Eligible employers are allowed a credit equal to 50% of qualified wages with respect to each employee, on a quarterly basis. An eligible employer means any employer carrying on a trade or business in 2020 during which in any calendar quarter: • The operation of the trade or business is fully or partially suspended during the appropriate calendar quarter due to orders from an appropriate governmental authority limiting commerce, travel, or group meetings due to COVID-19; or • The trade or business experiences a significant decline in gross receipts, with a 50% decline in gross receipts when compared to the same quarter in the prior year. Businesses remain eligible until their gross receipts recover to 80% when compared to the same quarter in the previous year. •Maximum wages, including health insurance benefits, eligible for the credit for all calendar quarters is $10,000. • For businesses with 100 or fewer employees, generally all wages of full-time employees are eligible. • For larger businesses, only those wages paid to full-time employees who are not providing services due to a suspension of business operations or reduction in gross receipts are eligible. •Wages may also include an employer’s qualified health plan expenses allocable to the employee. • 501 (c) tax-exempt organizations are eligible. • Employers receiving a loan under section 7(a) of the Small Business Act are not eligible for the employee retention credit. • Credit is refundable to the extent it exceeds payroll taxes. Delay of Employer-Paid Payroll Tax Payments: Employers and self-employed individuals may defer payment of the employer share of Social Security taxes they are responsible for paying. • This allows employers and self-employed to save temporarily on the 6.2% Social Security tax on wages. •These deferred taxes must be repaid over the following two years. • Half of the amount will be due by Dec. 31, 2021 and the other half by Dec. 31, 2022. Advanced Refunding of Sick and Medical Leave Credit: Under the Family First Coronavirus Response Act, employers are required to provide paid sick leave and paid family and medical leave under specific circumstances resulting from COVID-19. The law created new tax credits to offset the employer cost of providing this leave. The CARES Act will allow employers to quickly claim credits to reduce financial strain from this new mandate. Page 4 ׉ 7cassandra://--WXy5NKKHgCGTah-DnIoiwr3aT31_YOXbNapXr9uPY)c`^;Si׉EtThis information is provided by NAHB, use the link below to view more resources https://www.nahb.org/Advocacy/Industry-Issues/Emergency-Preparedness-and-Response/Coronavirus-Preparedness Net Operating Loss (NOL) Modifications: For income tax purposes, NOLs arise when allowable deductions of a business exceed their taxable income. Under current law, businesses can carry forward NOLs indefinitely to offset against future taxable income, but losses may not exceed 80% of taxable income in any tax period. NOLs may no longer be carried back and used to offset tax liability in prior years. • Under the CARES Act, losses from 2018, 2019 and 2020 may be carried back five years from the year in which the loss was incurred. • This will allow businesses with NOLs to amend prior year tax returns and obtain refunds to provide additional liquidity. • The bill also repeals the 80% of income limitation so that NOLs from 2018, 2019 and 2020 may be carried forward to fully offset taxable income in years after the loss. Modifications on Limitation of Business Interest: For businesses subject to the 30% of income limitation on deducting business interest expenses, the CARES Act increases the limit to 50% for 2019 and 2020. For more information on the tax component of the CARES Act, contact J.P Delmore at NAHB at 1-800-368-5242 x8412 or David Logan at x8448. Banking The CARES Act will provide small community banks with several targeted regulatory relief measures aimed at ensuring that these critical lending institutions for the residential home construction industry continue to keep credit flowing during the COVID-19 crisis. The legislation will: • Allow the Federal Deposit Insurance Corporation to fully guarantee business transaction accounts and provide banks with additional flexibility and streamlined capital requirements to ensure liquidity during the crisis. • Permit banks to postpone compliance with the Current Expected Credit Losses (CECL) standard, which requires lenders to immediately account for potential losses when they issue loans, potentially tying up much-needed capital. • Encourage all financial institutions to work with borrowers to modify or restructure existing loans, including forbearance arrangements, interest rate modifications, repayment plans and any other similar arrangements that defer or delay the payment of principal or interest before borrowers are experiencing payment difficulties. The bill would suspend accounting rules so such modifications would not be categorized as troubled debt restructurings. Single Family Mortgage Relief: • The CARES Act will permit anyone with a loan backed by Fannie Mae, Freddie Mac, FHA, VA or Rural Housing to receive forbearance up to one year on their mortgage by calling their servicer and reporting that they have a COVID-19 related financial hardship. • The legislation also temporarily bars foreclosures on government-backed mortgages for not less than 60 days beginning March 18, 2020. • Finally, the CARES Act gives credit scoring relief to those impacted by the COVID-19 crisis, including those taking advantage of government forbearance programs. For more information in the banking provisions in the CARES Act, contact Scott Meyer at NAHB at 1-800-368-5242 x8144 or Jessica Lynch at x8401. Unemployment Provisions The CARES Act contains a significant expansion of unemployment benefits to support workers who have lost their jobs as a result of the COVID-19 health pandemic. Specifically, the measure: • Creates a temporary Pandemic Unemployment Assistance (PUA) program to provide payment to those not traditionally eligible for unemployment benefits — such as the selfemployed and independent contractors — who are unable to work as a direct result of the coronavirus pandemic. Payments through the PUA program are authorized for a maximum of 39 weeks, ending Dec. 31, 2020. This will be a huge economic relief to a large segment of NAHB’s membership. • Extends traditional unemployment insurance (UI) benefits for another 13 weeks and provides for an additional $600 per week for each recipient of traditional UI or PUA for up to four months. • Authorizes federal funds to cover the usual one-week waiting period before an individual gets their first unemployment benefits so that they can start receiving payments immediately. • Funds short-term compensation (STC) programs and allows states to create new programs for employers that are having to choose between laying off or furloughing their employees to receive funding to keep those workers on their payroll. The STC program funding will be available for coverage of weeks of unemployment through December 31, 2020. Temporary, seasonal or intermittent workers are not eligible for those types of benefits. • Authorizes payments to states to reimburse government agencies, tribes and nonprofits for half the payments they are required to make into the state unemployment fund. Paid Leave The CARES Act includes some limiting language on the paid leave provisions in the second coronavirus bill. These include an explicit limitation on the weekly and total amounts that can be paid to a worker for sick leave and family leave related to the COVID-19 health pandemic. Further, the bill extends access to paid family and medical leave for an employee who was laid off by an employer March 1, 2020, or later in certain instances if they are rehired by that employer. To be eligible, an employee would have had to work for the employer at least 30 days prior to being laid off. The legislation also allows employers to receive an advance tax credit from Treasury for providing paid leave benefits instead of waiting to be reimbursed on the back-end. This will require a rulemaking or guidance to establish a process for how these advance tax credits can be issued to employers. For more information on the unemployment and paid leave provisions in the CARES Act, contact Alexis Moch at NAHB at 1-800-368-5242 x8407. 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7cassandra://nNKupRZ1dWIj-8PDJ0GF1xH63KBtiVDPD-D0ljKvbQQ/`׉ 7cassandra://OZgl8nacyNGeJApd4NQXTFUc2eclaTXnHybiWuVcsnw_j͠]^;Siט(u׉׉ 7cassandra://8Euug35msBH4tQxuanJ0u4E75vwaxqOHTGqXFmBVLp0 N`׉ 7cassandra://9OKGQ7jodR5OP6qBQ5Nt2n8QHYR7N_iOV9v8hHEQzaU͏G`s׉ 7cassandra://cLRzKuExYBMDXeJYL2uba6b3XaFoxWSp_K8ZNROsAL03y`׉ 7cassandra://jczuNbMTU3KCZycRUr8WxBaVdHA_T2ozWdfw0IJeCdQ͠]^;Siט(u׉׉ 7cassandra://NiagxoVAolf70jGHNpFO4BzLLhkz_vDrYVLWECF5xgU]`׉ 7cassandra://0lbIuo5W7rgn_UKD4XdL5_51MerYk6QoAbf3r2MhGLYͶ`s׉ 7cassandra://nNKupRZ1dWIj-8PDJ0GF1xH63KBtiVDPD-D0ljKvbQQ/`׉ 7cassandra://OZgl8nacyNGeJApd4NQXTFUc2eclaTXnHybiWuVcsnw_j͠]^;Siט(u׉׉ 7cassandra://8Euug35msBH4tQxuanJ0u4E75vwaxqOHTGqXFmBVLp0 N`׉ 7cassandra://9OKGQ7jodR5OP6qBQ5Nt2n8QHYR7N_iOV9v8hHEQzaU͏G`s׉ 7cassandra://cLRzKuExYBMDXeJYL2uba6b3XaFoxWSp_K8ZNROsAL03y`׉ 7cassandra://jczuNbMTU3KCZycRUr8WxBaVdHA_T2ozWdfw0IJeCdQ͠]^;Siט(u׉׉ 7cassandra://NiagxoVAolf70jGHNpFO4BzLLhkz_vDrYVLWECF5xgU]`׉ 7cassandra://0lbIuo5W7rgn_UKD4XdL5_51MerYk6QoAbf3r2MhGLYͶ`s׉ 7cassandra://nNKupRZ1dWIj-8PDJ0GF1xH63KBtiVDPD-D0ljKvbQQ/`׉ 7cassandra://OZgl8nacyNGeJApd4NQXTFUc2eclaTXnHybiWuVcsnw_j͠]^;Siט(u׉׉ 7cassandra://8Euug35msBH4tQxuanJ0u4E75vwaxqOHTGqXFmBVLp0 N`׉ 7cassandra://9OKGQ7jodR5OP6qBQ5Nt2n8QHYR7N_iOV9v8hHEQzaU͏G`s׉ 7cassandra://cLRzKuExYBMDXeJYL2uba6b3XaFoxWSp_K8ZNROsAL03y`׉ 7cassandra://jczuNbMTU3KCZycRUr8WxBaVdHA_T2ozWdfw0IJeCdQ͠]^;Siנ^;Si!pZ9׉HDhttps://www.illinoisworknet.com/LayoffRecovery/Pages/WARNLayoff.aspxGׁ ׁ rנ^;Si9׉HOhttps://www.illinoisworknet.com/LayoffRecovery/Pages/RapidResponseServices.aspxGׁ ׁ rנ^;Siҁa9׉HOhttps://www.illinoisworknet.com/LayoffRecovery/Pages/RapidResponseServices.aspxGׁ ׁ rנ^;Si̅{9׉H!https://coronavirus.illinois.gov/Gׁ ׁ rנ^;Si9׉HZhttps://www2.illinois.gov/rev/research/publications/bulletins/Documents/2020/FY2020-24.pdfGׁ ׁ rנ^;Si.9׉HZhttps://www2.illinois.gov/rev/research/publications/bulletins/Documents/2020/FY2020-23.pdfGׁ ׁ rנ^;SiW=9׉H1https://www2.illinois.gov/dceo/Pages/default.aspxGׁ ׁ rנ^;SiÁOWg9׉H1https://www2.illinois.gov/dceo/Pages/default.aspxGׁ ׁ rנ^;Siāv9׉HLhttps://www2.illinois.gov/ides/Pages/COVID-19-and-Unemployment-Benefits.aspxGׁ ׁ rנ^;Si!pZ9׉HDhttps://www.illinoisworknet.com/LayoffRecovery/Pages/WARNLayoff.aspxGׁ ׁ rנ^;Si9׉HOhttps://www.illinoisworknet.com/LayoffRecovery/Pages/RapidResponseServices.aspxGׁ ׁ rנ^;Siҁa9׉HOhttps://www.illinoisworknet.com/LayoffRecovery/Pages/RapidResponseServices.aspxGׁ ׁ rנ^;Si̅{9׉H!https://coronavirus.illinois.gov/Gׁ ׁ rנ^;Si9׉HZhttps://www2.illinois.gov/rev/research/publications/bulletins/Documents/2020/FY2020-24.pdfGׁ ׁ rנ^;Si.9׉HZhttps://www2.illinois.gov/rev/research/publications/bulletins/Documents/2020/FY2020-23.pdfGׁ ׁ rנ^;SiW=9׉H1https://www2.illinois.gov/dceo/Pages/default.aspxGׁ ׁ rנ^;SiÁOWg9׉H1https://www2.illinois.gov/dceo/Pages/default.aspxGׁ ׁ rנ^;Siāv9׉HLhttps://www2.illinois.gov/ides/Pages/COVID-19-and-Unemployment-Benefits.aspxGׁ ׁ rנ^;Si!pZ9׉HDhttps://www.illinoisworknet.com/LayoffRecovery/Pages/WARNLayoff.aspxGׁ ׁ rנ^;Si9׉HOhttps://www.illinoisworknet.com/LayoffRecovery/Pages/RapidResponseServices.aspxGׁ ׁ rנ^;Siҁa9׉HOhttps://www.illinoisworknet.com/LayoffRecovery/Pages/RapidResponseServices.aspxGׁ ׁ rנ^;Si̅{9׉H!https://coronavirus.illinois.gov/Gׁ ׁ rנ^;Si9׉HZhttps://www2.illinois.gov/rev/research/publications/bulletins/Documents/2020/FY2020-24.pdfGׁ ׁ rנ^;Si.9׉HZhttps://www2.illinois.gov/rev/research/publications/bulletins/Documents/2020/FY2020-23.pdfGׁ ׁ rנ^;SiW=9׉H1https://www2.illinois.gov/dceo/Pages/default.aspxGׁ ׁ rנ^;SiÁOWg9׉H1https://www2.illinois.gov/dceo/Pages/default.aspxGׁ ׁ rנ^;Siāv9׉HLhttps://www2.illinois.gov/ides/Pages/COVID-19-and-Unemployment-Benefits.aspxGׁ ׁ r׉E4COVID-19 (Coronavirus) Information for Illinois Taxpayers The Illinois Department of Revenue has established this web page to provide information and resources to help Illinois taxpayers, businesses, and others affected by the coronavirus. For up-to-date information on how Illinois is combatting the Coronavirus outbreak, visit the State of Illinois Coronavirus Response Site. This page will be updated as new information is available. Taxpayer Relief Illinois Income Tax Filing and Payment Extension Short-Term Relief from Penalties for Late Sales Tax Payments Other Resources DCEO Emergency Small Business Assistance - Grants & Loans Assistance IDES COVID-19 Related Unemployment Benefits Frequently Asked Questions Unemployment benefits may be available to some individuals whose unemployment is attributable to COVID19. IDES recently adopted emergency rules to try to make the unemployment insurance system as responsive to the current situation as possible. What if I'm temporarily laid off because the place where I work is temporarily closed because of the COVID-19 virus? An individual temporarily laid off in this situation could qualify for benefits as long as he or she was able and available for and actively seeking work. Under emergency rules IDES recently adopted, the individual would not have to register with the employment service. He or she would be considered to be actively seeking work as long as the individual was prepared to return to his or her job as soon the employer reopened. What if I quit my job because I am generally concerned over the COVID-19 virus? An individual who leaves work voluntarily without a good reason attributable to the employer is generally disqualified from receiving UI. The eligibility of an individual in this situation will depend on whether the facts of his or her case demonstrate the individual had a good reason for quitting and that the reason was attributable to the employer. An individual generally has a duty to make a reasonable effort to work with his or her employer to resolve whatever issues have caused the individual to consider quitting. What if I’m confined to my home 1) because a licensed physician has diagnosed me as having COVID-19 or 2) because I must stay home to care for my spouse, parent or child, whom a medical professional has diagnosed as having COVID-19 or 3) because of a government-imposed or government-recommended quarantine? An individual in any of those situations would be considered to be unemployed through no fault of his or her own. However, to qualify for UI, he or she would still need to meet all other eligibility requirements, including the requirements that the individual be able and available for work, registered with the state employment service and actively seeking work from the confines of his or her home. The individual would be considered able and available for work if there was some work that he or she could perform from home (e.g., transcribing, data entry, virtual assistant services) and there is a labor market for that work. What if I leave work because my child’s school has temporarily closed, and I feel I have to stay home with the child? Ordinarily, an individual who left work to address child care needs would be considered to have left work voluntarily and would generally be disqualified from receiving UI, unless the reason for leaving was attributable to the employer. Under the current circumstances, someone who left work to care for the child could be considered as unemployed through no fault of his her own; in that case, to qualify for UI, the individual would still need to meet all other eligibility requirements, including the requirements that the individual be able and available for work, registered with the state employment service and actively seeking work from the confines of his or her home. For Employers: If an employee receives unemployment benefits as a result of COVID-19, will the employer’s unemployment contribution rate increase? At this time, no further guidance has been issued. Until such time, normal procedures will be followed. In general, the contribution rate of an experience rated employer is based, in part, on the amount of unemployment benefits paid to the employer’s former employees. Potential Closure or Layoff Rapid Response Services are available to employers who are planning or have gone through a permanent closure or mass layoff at a plant, facility, or enterprise, or a natural or other disaster, that results in mass job dislocation. The State Dislocated Worker Unit coordinates with employers to provide on-site information to workers and employers about employment and retraining services designed to help participants retain employment when feasible, or obtain re-employment as soon as possible. For more information, visit Rapid Response Services for Businesses or contact your local Illinois workNet Center. Page 8 ׉ 7cassandra://nNKupRZ1dWIj-8PDJ0GF1xH63KBtiVDPD-D0ljKvbQQ/`^;Si׉EPage 9 ׉ 7cassandra://cLRzKuExYBMDXeJYL2uba6b3XaFoxWSp_K8ZNROsAL03y`^;Si^;Si(בCט(u׉׉ 7cassandra://s4pMEw5OoixP-QepTbYz6bCZ7iCLi0USOCqneQUzlVU`׉ 7cassandra://KNtw_AIEZLzsRYz2Tk3JHNgE4-hklv1UIj53hXkarWk̈́`s׉ 7cassandra://sqB_mqfX4rRcuErtO1hszJzwBmNWtwoEB69maazgkts+:`׉ 7cassandra://OXjePujCu1DIMlGm8Qli1N0j2i1KrGYcaPNsNDicWHMj+̸͠]^;Siט(u׉׉ 7cassandra://j-6ITlJ7HX1qSz0AcJkK5sKRe5PmygsHdFD6rgFIo3IՍ`׉ 7cassandra://HtV874rAPs4R4A1SE3IlnVyjY7uLvUaERYLhlhg7zuIu7`s׉ 7cassandra://gs2HIgO7s0b4_KeVRfO6lmqVb8n0Q_-BkRlf9S-Vk_E$`׉ 7cassandra://UllSr2v0ABFW_WAZP0hmXw317h5QhAiNFWhgZ4P7gecz]͠]^;Siט(u׉׉ 7cassandra://s4pMEw5OoixP-QepTbYz6bCZ7iCLi0USOCqneQUzlVU`׉ 7cassandra://KNtw_AIEZLzsRYz2Tk3JHNgE4-hklv1UIj53hXkarWk̈́`s׉ 7cassandra://sqB_mqfX4rRcuErtO1hszJzwBmNWtwoEB69maazgkts+:`׉ 7cassandra://OXjePujCu1DIMlGm8Qli1N0j2i1KrGYcaPNsNDicWHMj+̸͠]^;Siט(u׉׉ 7cassandra://j-6ITlJ7HX1qSz0AcJkK5sKRe5PmygsHdFD6rgFIo3IՍ`׉ 7cassandra://HtV874rAPs4R4A1SE3IlnVyjY7uLvUaERYLhlhg7zuIu7`s׉ 7cassandra://gs2HIgO7s0b4_KeVRfO6lmqVb8n0Q_-BkRlf9S-Vk_E$`׉ 7cassandra://UllSr2v0ABFW_WAZP0hmXw317h5QhAiNFWhgZ4P7gecz]͠]^;Siט(u׉׉ 7cassandra://s4pMEw5OoixP-QepTbYz6bCZ7iCLi0USOCqneQUzlVU`׉ 7cassandra://KNtw_AIEZLzsRYz2Tk3JHNgE4-hklv1UIj53hXkarWk̈́`s׉ 7cassandra://sqB_mqfX4rRcuErtO1hszJzwBmNWtwoEB69maazgkts+:`׉ 7cassandra://OXjePujCu1DIMlGm8Qli1N0j2i1KrGYcaPNsNDicWHMj+̸͠]^;Siט(u׉׉ 7cassandra://j-6ITlJ7HX1qSz0AcJkK5sKRe5PmygsHdFD6rgFIo3IՍ`׉ 7cassandra://HtV874rAPs4R4A1SE3IlnVyjY7uLvUaERYLhlhg7zuIu7`s׉ 7cassandra://gs2HIgO7s0b4_KeVRfO6lmqVb8n0Q_-BkRlf9S-Vk_E$`׉ 7cassandra://UllSr2v0ABFW_WAZP0hmXw317h5QhAiNFWhgZ4P7gecz]͠]^;Siנ^;SiɁ~<9׉H/https://sites.google.com/view/aerosolbox/designGׁ ׁ rנ^;SiʁBo9׉H/https://sites.google.com/view/aerosolbox/designGׁ ׁ rנ^;SiɁ~<9׉H/https://sites.google.com/view/aerosolbox/designGׁ ׁ rנ^;SiʁBo9׉H/https://sites.google.com/view/aerosolbox/designGׁ ׁ rנ^;Siс5 9ׁH mailto:mjkosydor@martinglass.netׁ ׁ Јנ^;SiЁBD9ׁH&mailto:bobby@fulfordhomeremodeling.comׁ ׁ Јנ^;SiρBo9ׁH/http://sites.google.com/view/aerosolbox/design.ׁ ׁ Јנ^;SiɁ~<9׉H/https://sites.google.com/view/aerosolbox/designGׁ ׁ rנ^;SiʁBo9׉H/https://sites.google.com/view/aerosolbox/designGׁ ׁ rנ^;Si݁9ׁHhttp://www.wausausupply.comׁ ׁ Јנ^;Si܁"9ׁH"mailto:Jason.kell@wausausupply.comׁ ׁ Јנ^;Siہ_9ׁHhttp://www.epsbuildings.comׁ ׁ Јנ^;Siځ_9ׁHmailto:jgrant@epsbuildings.comׁ ׁ Јנ^;Siف,9ׁHhttp://www.troygaragedoor.comׁ ׁ Јנ^;Si؁,%9ׁH!mailto:troygaragedoor@hometel.comׁ ׁ Јנ^;Siׁh9ׁHmailto:dalesfone13@gmail.comׁ ׁ Јנ^;SiցT̐9ׁHhttp://www.r3dev.orgׁ ׁ Јנ^;SiՁ59ׁHmailto:scott@r3development.orgׁ ׁ Јנ^;SiӁ,q9ׁHhttp://www.stclairstairs.comׁ ׁ Јנ^;Siҁ,Q9ׁHmailto:stclairstairs@yahoo.comׁ ׁ Ј׉E4Here are some members that have reached out to the organization about how they are helping and seeking for others to be involved: Building “Aerosol Boxes” - a personal protective device to help minimize the spread of Covid at hospitals. Here is a link to the box design https:// sites.google.com/view/aerosolbox/design. 17 are needed for St. Elizabeth’s with additional donations going to HSHS & Memorial Hospitals. If you are able to make these please drop them at Fulford Home Remodeling, 3318 N. Illinois St., Swansea, IL contact Bobby Robinson with any questions at 618.235.4300 or email to bobby@fulfordhomeremodeling.com N95 Masks - donations for local hospitals being coordinated by Marty Kosydor with Martin Glass, 25 Center Plaza, Belleville, IL 618.277.1946 or email to mjkosydor@martinglass.net Page 10 ׉ 7cassandra://sqB_mqfX4rRcuErtO1hszJzwBmNWtwoEB69maazgkts+:`^;Si׉EiNEW MEMBERS RENEWING MEMBERS Blue Ray Construction, Inc. - 1 year CertaPro Painters of Belleville - 11 years CertaPro Painters of Madison County - 5 years Dossett Installation, Inc. - 14 years Woods Basement Systems - 3 years PROFESSIONAL WOMEN IN BUILDING COUNCIL 1st National Bank of Waterloo (NEW) AutcoHome Appliances Belleville Supply Company (NEW) C.A. Jones, Inc. Peoples National Bank (NEW) Wells Fargo Home Mortgage NEW MEMBERS August “Sonny” Heimer 2211 N. 3rd Street Fayetteville, IL 62258 C: 618.210.9977 stclairstairs@yahoo.com www.stclairstairs.com Scott Loeffler PO Box 2197 East St. Louis, IL 62202 C: 618.781.3978 scott@r3development.org www.r3dev.org Dale Lawrence 200 N. Oak Hoffman, IL 62250 C: 618.317.6569 dalesfone13@gmail.com Andy Schmitt 9935 US Hwy 40 St. Jacob, IL 62281 O: 618.644.6300 C: 618.709.7014 troygaragedoor@hometel.com www.troygaragedoor.com James Grant 232 Semo Lane Perryville, MO 63775 O: 573.547.8187 x2011 C: 573.517.1300 jgrant@epsbuildings.com www.epsbuildings.com Jason Kell PO Box 296 St. Louis, MO 63123 C: 314.399.2696 Jason.kell@wausausupply.com www.wausausupply.com Page 11 ׉ 7cassandra://gs2HIgO7s0b4_KeVRfO6lmqVb8n0Q_-BkRlf9S-Vk_E$`^;Si^;Si(בCט(u׉׉ 7cassandra://1IWniI0YOxMLmQ2aIy2u2Jrr_IyrU0wu3BbFSY66w480H`׉ 7cassandra://h-mqiD8dG8-j_-tjAF6O5Bc4ahy7MBQHYCeE6pDI9Zcj]`s׉ 7cassandra://gKCkVSyGXfgbRitXtyCrKaX083NCoSl6t_stzPcDl6M%E`׉ 7cassandra://bXcDOLvtlNoys-k02NQQk1XoDnyqimhS9TO-Vro22ewA$͠]^;Siט(u׉׉ 7cassandra://epV02YOzKH7rhsItWEwuCprBN_SqfTrBW-61kfA9RgQ@?`׉ 7cassandra://4Lijza0p7zSW078nZJcrZPm4Ftr2xq7XNs39pNtHzOU~R`s׉ 7cassandra://COispLWCBlIZQJTG1HCqp5eOSKBJ27YN7mqUcqgWO1g)3`׉ 7cassandra://ZizLQGF8lax8zKrRbSA6sU5eZ9sUZPNnrVskIuFOQ6U͠]^;Siט(u׉׉ 7cassandra://1IWniI0YOxMLmQ2aIy2u2Jrr_IyrU0wu3BbFSY66w480H`׉ 7cassandra://h-mqiD8dG8-j_-tjAF6O5Bc4ahy7MBQHYCeE6pDI9Zcj]`s׉ 7cassandra://gKCkVSyGXfgbRitXtyCrKaX083NCoSl6t_stzPcDl6M%E`׉ 7cassandra://bXcDOLvtlNoys-k02NQQk1XoDnyqimhS9TO-Vro22ewA$͠]^;Siט(u׉׉ 7cassandra://epV02YOzKH7rhsItWEwuCprBN_SqfTrBW-61kfA9RgQ@?`׉ 7cassandra://4Lijza0p7zSW078nZJcrZPm4Ftr2xq7XNs39pNtHzOU~R`s׉ 7cassandra://COispLWCBlIZQJTG1HCqp5eOSKBJ27YN7mqUcqgWO1g)3`׉ 7cassandra://ZizLQGF8lax8zKrRbSA6sU5eZ9sUZPNnrVskIuFOQ6U͠]^;Siט(u׉׉ 7cassandra://1IWniI0YOxMLmQ2aIy2u2Jrr_IyrU0wu3BbFSY66w480H`׉ 7cassandra://h-mqiD8dG8-j_-tjAF6O5Bc4ahy7MBQHYCeE6pDI9Zcj]`s׉ 7cassandra://gKCkVSyGXfgbRitXtyCrKaX083NCoSl6t_stzPcDl6M%E`׉ 7cassandra://bXcDOLvtlNoys-k02NQQk1XoDnyqimhS9TO-Vro22ewA$͠]^;Siט(u׉׉ 7cassandra://epV02YOzKH7rhsItWEwuCprBN_SqfTrBW-61kfA9RgQ@?`׉ 7cassandra://4Lijza0p7zSW078nZJcrZPm4Ftr2xq7XNs39pNtHzOU~R`s׉ 7cassandra://COispLWCBlIZQJTG1HCqp5eOSKBJ27YN7mqUcqgWO1g)3`׉ 7cassandra://ZizLQGF8lax8zKrRbSA6sU5eZ9sUZPNnrVskIuFOQ6U͠]^;Si׉EPage 12 ׉ 7cassandra://gKCkVSyGXfgbRitXtyCrKaX083NCoSl6t_stzPcDl6M%E`^;Si׉EPage 13 ׉ 7cassandra://COispLWCBlIZQJTG1HCqp5eOSKBJ27YN7mqUcqgWO1g)3`^;Si^;Si(בCט(u׉׉ 7cassandra://X_-5TT8gcFoVSv72GNikhD8MhXWlp-d1GqzGWexrpxAv``׉ 7cassandra://cd3477olThX1SEjgtLD0lLkEGIiHxLK-0WbHPH8ZDuQ͌t`s׉ 7cassandra://cufmyHBG5szllLnt7loV-FdpLiO1OaAIF9C2YqRGeZc3X`׉ 7cassandra://7-fofiNIZgDzqVcLDeNfmpTnlKq3QgQ_JyCI8rlJ7uwh̘͠]^;Siט(u׉׉ 7cassandra://S0xt6ONiLbmR1T45TGvK4W_6GrPKd17FTzJqF8HSRJAR`׉ 7cassandra://kvh3iwsa7F9pdq_MNQikeQ3NkYKDeTC7ED6jmbqChbw͊y`s׉ 7cassandra://Vwtj_UX2VHh33PmKFdttS6kncqFNGwloXm1vyz4638k2`׉ 7cassandra://HGLhsgbIh1TOcFy62NxJc01YauLqjJYWLXr-6HjGUxQ$͠]^;Siט(u׉׉ 7cassandra://X_-5TT8gcFoVSv72GNikhD8MhXWlp-d1GqzGWexrpxAv``׉ 7cassandra://cd3477olThX1SEjgtLD0lLkEGIiHxLK-0WbHPH8ZDuQ͌t`s׉ 7cassandra://cufmyHBG5szllLnt7loV-FdpLiO1OaAIF9C2YqRGeZc3X`׉ 7cassandra://7-fofiNIZgDzqVcLDeNfmpTnlKq3QgQ_JyCI8rlJ7uwh̘͠]^;Siט(u׉׉ 7cassandra://S0xt6ONiLbmR1T45TGvK4W_6GrPKd17FTzJqF8HSRJAR`׉ 7cassandra://kvh3iwsa7F9pdq_MNQikeQ3NkYKDeTC7ED6jmbqChbw͊y`s׉ 7cassandra://Vwtj_UX2VHh33PmKFdttS6kncqFNGwloXm1vyz4638k2`׉ 7cassandra://HGLhsgbIh1TOcFy62NxJc01YauLqjJYWLXr-6HjGUxQ$͠]^;Siט(u׉׉ 7cassandra://X_-5TT8gcFoVSv72GNikhD8MhXWlp-d1GqzGWexrpxAv``׉ 7cassandra://cd3477olThX1SEjgtLD0lLkEGIiHxLK-0WbHPH8ZDuQ͌t`s׉ 7cassandra://cufmyHBG5szllLnt7loV-FdpLiO1OaAIF9C2YqRGeZc3X`׉ 7cassandra://7-fofiNIZgDzqVcLDeNfmpTnlKq3QgQ_JyCI8rlJ7uwh̘͠]^;Siט(u׉׉ 7cassandra://S0xt6ONiLbmR1T45TGvK4W_6GrPKd17FTzJqF8HSRJAR`׉ 7cassandra://kvh3iwsa7F9pdq_MNQikeQ3NkYKDeTC7ED6jmbqChbw͊y`s׉ 7cassandra://Vwtj_UX2VHh33PmKFdttS6kncqFNGwloXm1vyz4638k2`׉ 7cassandra://HGLhsgbIh1TOcFy62NxJc01YauLqjJYWLXr-6HjGUxQ$͠]^;Si׉ETeam Arrowhead Building Supply Team ProVia / Arrowhead Building Supply LUNCH SPONSORS Team Blind Quest, Light Brite & HBR Family Team BOS with Fulford Homes LLC Page 14 ׉ 7cassandra://cufmyHBG5szllLnt7loV-FdpLiO1OaAIF9C2YqRGeZc3X`^;Si׉EANYBODY’S GAME EVENT Team Carrollton Bank, Fulford Construction & Kerber, Eck & Braeckel BAY SPONSORS American Portfolio Mortgage Appliance Discounters Arrowhead Building Supply AUTCO home Appliances Red-E-Mix Team Copious Technologies & Wells Fargo Chesley Fence & Deck CMI Construction Copious Technologies R.P. Lumber Wells Fargo Home Mortgage Team FCB Banks, Goley Insulation & Halloran Construction Team First Mid Bank & Trust with visitors from ProVia Team Sherwin Williams Page 15 ׉ 7cassandra://Vwtj_UX2VHh33PmKFdttS6kncqFNGwloXm1vyz4638k2`^;Si^;Si(בCט(u׉׉ 7cassandra://ew1uXqRSWxg4nAhet0k2xi8-6-hH8K8nyHYhkyvxDx8`׉ 7cassandra://9qXDIKIYFLx-X9kUpHqHr1Q8DGRGLzRUYOkKW5N3340͉4`s׉ 7cassandra://ITGrnzhjmTgwXqLwWU852HINjhvBR9h8Dj8PLuRh6pk1$`׉ 7cassandra://1vsJm1dSbYlkLGZFvmsPK8wIkG78hTpeNZlpFUJL1Vgkt͠]^;Siט(u׉׉ 7cassandra://JzdJ9i2xAknruFPCOJzwmuHISjrs90FeSpi_fxJaT9c`׉ 7cassandra://JaF2L2UW2tUU8ZNEWyZ4mny1dy1HFDQJPH0rC-RtQuA}U`s׉ 7cassandra://YWBOMgH6vVTTAJfZOd88Q1_Qupdv-XuM3MMpSK6bCiI-]`׉ 7cassandra://XIP-NmtW3V0iZUJmw5Jyiel1VOBjMKCTbuzKn57pr-kNq͠]^;Siט(u׉׉ 7cassandra://ew1uXqRSWxg4nAhet0k2xi8-6-hH8K8nyHYhkyvxDx8`׉ 7cassandra://9qXDIKIYFLx-X9kUpHqHr1Q8DGRGLzRUYOkKW5N3340͉4`s׉ 7cassandra://ITGrnzhjmTgwXqLwWU852HINjhvBR9h8Dj8PLuRh6pk1$`׉ 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7cassandra://KmC2hfwxStlPBKm2Ebbg0rFNIWdIYiVrwFhBL6AnpKg͠]^;Siט(u׉׉ 7cassandra://zPHbXeb-YqzoaH0BwzCgeT0yDe9cqLAqN8UbcrOTTjoB`׉ 7cassandra://joD68J_tNXM78brMmaIOuS3WzHBInrITWyGPLEvZeeI͙`s׉ 7cassandra://teEbY8iyjobkDP61ujOmF-gZal3m4fWv4CfNmJ8yWYQ6q`׉ 7cassandra://DFtdsogLQEaZguzCS2nZyY0qTY60b1BY1rVJGy64OgU6͠]^;Siט(u׉׉ 7cassandra://nzx2k2yKEga9kmzeRcHR5DWhE6YeJ0XNkD7QqDG0Zfg:`׉ 7cassandra://hEKzL89WhkMiNfZ0-t-2BwPxWqiC76xYsnOOEzLI99c͙J`s׉ 7cassandra://OU6Ueua9EhfMSPMjtWzxHJnJf8ULHatsLHvS8iGKTYk5`׉ 7cassandra://KmC2hfwxStlPBKm2Ebbg0rFNIWdIYiVrwFhBL6AnpKg͠]^;Si׉EExhibitors pictured (starting at top left) Liese Lumber Homes by Deesign Klemme Construction Helitech Waterproofing & Foundation Repair Padgett Building & Remodeling Sherwin Williams CertaPro Painters Light Brite Ameren Illinois Otten Contracting Page 18 ׉ 7cassandra://teEbY8iyjobkDP61ujOmF-gZal3m4fWv4CfNmJ8yWYQ6q`^;Si׉E/Exhibitors pictured (starting at top left) Woods Basement Systems Munie Greencare Professionals Sachs Doors & More Klein’s Brand Source Archway Cooling & Heating Fulford Home Remodeling Arrowhead Building Supply Midwest Carpet & Duct Cleaning Union Contractors Council McCullough’s Flooring Page 19 ׉ 7cassandra://OU6Ueua9EhfMSPMjtWzxHJnJf8ULHatsLHvS8iGKTYk5`^;Si^;Si(בCט(u׉׉ 7cassandra://fXCvF1hxxGXcdRGSl2RUnbTjgfZ_Npc6fojqse2Dolwؖ`׉ 7cassandra://vVNxYKdJcosdWJkgxQDDMj57UBLPJ7L0b2xotWS4ibo͊0`s׉ 7cassandra://Bevs3dSQjE6VM-hLvF1-lbE9KTNqM6bFwdU6ZomUrSo0`׉ 7cassandra://TPTp2EAPtZoZP4JWPvgAoo8cu21lRiAM2INhUmN8X1Q͠]^;Siט(u׉׉ 7cassandra://HUaH6oZQhLwGK4_4-6GkHJowxfjOzVxntvdSpVNKxkMh`׉ 7cassandra://7S0zTWm9XfTuUY-gaCOCfZY-5hEOEvEUYyc4xqrnCb4͐`s׉ 7cassandra://BNrTz-sxpIJl1lVtg5CWXLJF4IkYl2FylVaGBe2RPUk1`׉ 7cassandra://0EOEQCoqbfmij6c8php4pA4cZ7ednKURT-X6dGK8UlkƳ͠]^;Siט(u׉׉ 7cassandra://fXCvF1hxxGXcdRGSl2RUnbTjgfZ_Npc6fojqse2Dolwؖ`׉ 7cassandra://vVNxYKdJcosdWJkgxQDDMj57UBLPJ7L0b2xotWS4ibo͊0`s׉ 7cassandra://Bevs3dSQjE6VM-hLvF1-lbE9KTNqM6bFwdU6ZomUrSo0`׉ 7cassandra://TPTp2EAPtZoZP4JWPvgAoo8cu21lRiAM2INhUmN8X1Q͠]^;Siט(u׉׉ 7cassandra://HUaH6oZQhLwGK4_4-6GkHJowxfjOzVxntvdSpVNKxkMh`׉ 7cassandra://7S0zTWm9XfTuUY-gaCOCfZY-5hEOEvEUYyc4xqrnCb4͐`s׉ 7cassandra://BNrTz-sxpIJl1lVtg5CWXLJF4IkYl2FylVaGBe2RPUk1`׉ 7cassandra://0EOEQCoqbfmij6c8php4pA4cZ7ednKURT-X6dGK8UlkƳ͠]^;Siט(u׉׉ 7cassandra://fXCvF1hxxGXcdRGSl2RUnbTjgfZ_Npc6fojqse2Dolwؖ`׉ 7cassandra://vVNxYKdJcosdWJkgxQDDMj57UBLPJ7L0b2xotWS4ibo͊0`s׉ 7cassandra://Bevs3dSQjE6VM-hLvF1-lbE9KTNqM6bFwdU6ZomUrSo0`׉ 7cassandra://TPTp2EAPtZoZP4JWPvgAoo8cu21lRiAM2INhUmN8X1Q͠]^;Siט(u׉׉ 7cassandra://HUaH6oZQhLwGK4_4-6GkHJowxfjOzVxntvdSpVNKxkMh`׉ 7cassandra://7S0zTWm9XfTuUY-gaCOCfZY-5hEOEvEUYyc4xqrnCb4͐`s׉ 7cassandra://BNrTz-sxpIJl1lVtg5CWXLJF4IkYl2FylVaGBe2RPUk1`׉ 7cassandra://0EOEQCoqbfmij6c8php4pA4cZ7ednKURT-X6dGK8UlkƳ͠]^;Si׉EExhibitors pictured (starting at top left) Martin Glass Bath Fitter FCB Banks Fence & Deck Depot D/Knows Exterior Construction Eagle Flooring Blind Quest Morrison Plumbing, Heating & Air Coach House Garages Quality Installation & Home Improvement Page 20 ׉ 7cassandra://Bevs3dSQjE6VM-hLvF1-lbE9KTNqM6bFwdU6ZomUrSo0`^;Si׉E$Exhibitors pictured (starting at top left) Chesley Fence & Deck Schmitt’s Troy Garage Door SLD Enterprises Kitchen Craft Landscapes Unlimited Pederson HVAC J.T. McDermott Remodeling Contractors R.P. Lumber Dale’s Independent Contracting Services Jacob Sunrooms, Exteriors & Baths Page 21 ׉ 7cassandra://BNrTz-sxpIJl1lVtg5CWXLJF4IkYl2FylVaGBe2RPUk1`^;Si^;Si(בCט(u׉׉ 7cassandra://Nx5yJ5RgOTlZxiLKNKcD0UFmXa1hQz7Vxwc8E8zkWjcu`׉ 7cassandra://nb8eVMCb8w60CbMcBjM0qtubIVeUqfZkC68qyjZMVNỲq`s׉ 7cassandra://CkMwqFEYL21-djzAFCiRldWlJ_U_4A6R1HjKGe3fXLw'`׉ 7cassandra://NZZwzbGeNWuC4SsbsK8mf4-fwsNNcid2W01fCg-zEaI1͠]^;Siט(u׉׉ 7cassandra://TbPWlIVEhbZM1FHwOqO0AclNHVkKdey8nCwCKgZVZZ4X`׉ 7cassandra://nFs7oHr0gBF1BNEvYnnQWfrHAIeBIzOWEF0gPy7mi3M͓ `s׉ 7cassandra://q4Ks_rIYYJdopSRg5CYM-NsOWcnEAdiJhJ7rdgNStaY0]`׉ 7cassandra://6VwOfSdel3-rcKE_wzgEJgByzEZuyw208c6VxioH0zQ͠]^;Siט(u׉׉ 7cassandra://Nx5yJ5RgOTlZxiLKNKcD0UFmXa1hQz7Vxwc8E8zkWjcu`׉ 7cassandra://nb8eVMCb8w60CbMcBjM0qtubIVeUqfZkC68qyjZMVNỲq`s׉ 7cassandra://CkMwqFEYL21-djzAFCiRldWlJ_U_4A6R1HjKGe3fXLw'`׉ 7cassandra://NZZwzbGeNWuC4SsbsK8mf4-fwsNNcid2W01fCg-zEaI1͠]^;Siט(u׉׉ 7cassandra://TbPWlIVEhbZM1FHwOqO0AclNHVkKdey8nCwCKgZVZZ4X`׉ 7cassandra://nFs7oHr0gBF1BNEvYnnQWfrHAIeBIzOWEF0gPy7mi3M͓ `s׉ 7cassandra://q4Ks_rIYYJdopSRg5CYM-NsOWcnEAdiJhJ7rdgNStaY0]`׉ 7cassandra://6VwOfSdel3-rcKE_wzgEJgByzEZuyw208c6VxioH0zQ͠]^;Siט(u׉׉ 7cassandra://Nx5yJ5RgOTlZxiLKNKcD0UFmXa1hQz7Vxwc8E8zkWjcu`׉ 7cassandra://nb8eVMCb8w60CbMcBjM0qtubIVeUqfZkC68qyjZMVNỲq`s׉ 7cassandra://CkMwqFEYL21-djzAFCiRldWlJ_U_4A6R1HjKGe3fXLw'`׉ 7cassandra://NZZwzbGeNWuC4SsbsK8mf4-fwsNNcid2W01fCg-zEaI1͠]^;Siט(u׉׉ 7cassandra://TbPWlIVEhbZM1FHwOqO0AclNHVkKdey8nCwCKgZVZZ4X`׉ 7cassandra://nFs7oHr0gBF1BNEvYnnQWfrHAIeBIzOWEF0gPy7mi3M͓ `s׉ 7cassandra://q4Ks_rIYYJdopSRg5CYM-NsOWcnEAdiJhJ7rdgNStaY0]`׉ 7cassandra://6VwOfSdel3-rcKE_wzgEJgByzEZuyw208c6VxioH0zQ͠]^;Si׉EPage 22 ׉ 7cassandra://CkMwqFEYL21-djzAFCiRldWlJ_U_4A6R1HjKGe3fXLw'`^;Si׉EPage 23 ׉ 7cassandra://q4Ks_rIYYJdopSRg5CYM-NsOWcnEAdiJhJ7rdgNStaY0]`^;Si^;Si(בCט(u׉׉ 7cassandra://Ri-trxx81T-GiGXesm1x0s08KY-2aCOZjpll_ZIuyMIY`׉ 7cassandra://xZYnt2fBlT60IadxhvleQnL0waqKKXX2xGaTZgltQrYC`s׉ 7cassandra://fFBDOHyH4XlVVL1EgcyLi0pGIL4CZXKSRYbnM-enZIo`׉ 7cassandra://3Jp7HszZw7qmlibw2D6Zasp01AiDdtsTYnkLBamnMr4jEX͠]^;Siט(u׉׉ 7cassandra://Ri-trxx81T-GiGXesm1x0s08KY-2aCOZjpll_ZIuyMIY`׉ 7cassandra://xZYnt2fBlT60IadxhvleQnL0waqKKXX2xGaTZgltQrYC`s׉ 7cassandra://fFBDOHyH4XlVVL1EgcyLi0pGIL4CZXKSRYbnM-enZIo`׉ 7cassandra://3Jp7HszZw7qmlibw2D6Zasp01AiDdtsTYnkLBamnMr4jEX͠]^;Siט(u׉׉ 7cassandra://Ri-trxx81T-GiGXesm1x0s08KY-2aCOZjpll_ZIuyMIY`׉ 7cassandra://xZYnt2fBlT60IadxhvleQnL0waqKKXX2xGaTZgltQrYC`s׉ 7cassandra://fFBDOHyH4XlVVL1EgcyLi0pGIL4CZXKSRYbnM-enZIo`׉ 7cassandra://3Jp7HszZw7qmlibw2D6Zasp01AiDdtsTYnkLBamnMr4jEX͠]^;Siנ^;SiORw9ׁHhttp://www.hbrmea.orgׁ ׁ Јנ^;SiY<̍9ׁHmailto:tbutler@hbrmea.orgׁ ׁ Ј׉Eu6100 West Main Street Maryville, IL 62062 Phone: 618-343-6331 E-mail: tbutler@hbrmea.org Web: www.hbrmea.org Page 24 ׉ 7cassandra://fFBDOHyH4XlVVL1EgcyLi0pGIL4CZXKSRYbnM-enZIo`^;Si׈E^;Si^;Si(,Newsletter - Apr 2020^w:a