builders out look 2013 issue 11

8/13/2019 Builders Out Look 2013 Issue 11

http://slidepdf.com/reader/full/builders-out-look-2013-issue-11 1/16

Builders utlook

www.elpasobuilders.com www.epbuilders.org

2013

issue 11

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Left to right:



2 Builders Outlook 2013 issue 11

Texas Gas Service provides natural gas to more than 620,000 customers in the state of Texas, including customers in Austin, El Paso, the Gulf Coast and the Rio Grande Valley. Texas Gas Service is a division of ONEOK, Inc. (NYSE: OKE), a diversified energy company.

ONEOK is the general partner and owns 41.3 percent of ONEOK Partners, L.P. (NYSE: OKS), one of the largest publicly traded limited partnerships, which is a leader in the gathering, processing, storage and transportation of natural gas in the U.S. and owns one of

the nation’s premier natural gas liquids (NGL) systems, connecting much of the NGL supply in the Mid-Continent with key market centers. ONEOK is among the largest natural gas distributors in the United States, serving more than 2 million customers in Oklahoma,

Kansas and Texas. ONEOK is a Fortune 500 compan y. For more information, visit www.texasgasservice.com. © 2013

ONEOK, Inc. Oklahoma Natural Gas Kansas Gas Service ONEOK Partners, L.P.

GIVE THANKS FOR MOMENTS LIKE THESE.

Home is where traditions begin and memories are made, and a natural gas home is instantly more attractiveto potential buyers.

Natural gas kitchens sell themselves, and natural gas furnaces, water heaters and clothes dryers offer

greater efficiency and lower operating costs than their electric counterparts.

For more on how to use natural gas to turn your prospects into buyers, contact Eduardo Lucero at

[email protected] or (915) 680-7216.



President’s Message |

El Paso Disposal

772-7495

32013 issue 11 Builders Outlook

Edmundo

Dena

P%e&ide"',E Pa&# A&&#cia'i#"#f B(ide%&

Showroom:2131 Missouri

915 • 533 • 6045 fax • 533• 6096

Thomas R. Brown, Owner

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Industry News



72013 ISSUE 11 Builders Outlook

Builders utlook on the scene |

Sam ShallenbergerWestern Wholesale Supply

EPAB Associates Council Chair

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The Basics

A " 7 100 / &7

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/ #! ! SIMPLE IRA !&&#6 / ! ! &/ J!! 1/' O#/" 1 /& ! !, /6/ / 6/ !! !SIMPLE IRA !. T / / ! &/ 7 / ! ! SIMPLE IRA ! ! // !!!6 &!" !& " #/ / #. I& /6/ !! ! SIMPLE IRA!, / #! ! SIMPLE IRA !&&#6 / / J!! 1.

A / 7/ #6 ! !$5,000 #/!/ &/ /' ! 7/ #' #!!! (#/#6 / /) ! 7/ /!/!" # / #6 ! !$5,000 #/!/ '

#!! ! #! !#! SIMPLE IRA ! &/ #!! !.

E/ !6 // /& !+'!! #/ #/"/. F/2013, / #! #/" /$12,000. E/ !' 50 / /6 #!!+ ! !/! #!#-#/"/ /& / $2,500 2013.

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Pros and Cons

Pros:

; E/ #! #// / #/"-! /!, #'

/@ !!" #/ ! /@ !/ ! !".

; F !##! !-&.

; E/ #! !!' !##/ " /6' & !/7 &!#! / !/ !##/ ("*# / /@ ! &!#!/ ).

; T / / #/#!! #!/ '.

; T / ! / !! &'.

; T / ! !!!6 /".

Cons:

; T / #/" !#!, 6 7 #! &/7 //.

; E/ ! ! 100# 6 SIMPLEIRA !##/ "!!#. T #!#/ !! ! ! // /#/!' / /!.

; SIMPLE IRA !6 /7 #/"/ ! / /

!.; P!#! #!/ !+ /! &/

IRA !##/, + 7

401(+). W ' #/!'/ / &/ #/"' / !##/, !/ 6!6' &/ .

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!, / !+'7!7! "&/ !' 59 > !! !/! ! /& 10 #. I&7!7! ! ! 7 &7/ ! /& !#!/, 10%!/! ! #! / 25%.

A / !# &/ ' &!#!/ &/ / ! / /,/ / !6 ! ! /& 7! / /&6 // / !@ IRA/ # ! 7! 6 /& 6#/ #. F/ / &/!/ / "& //, !#/!# .

PIONEER BANK 6068 Gateway East2290 Trawood Drive7015 North Mesa Street (915) 782-2400

www.pioneerbnk.com

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Expert Advice

Joe Bernal

E/ B&/& E P!/




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The Economy

Tampering with Tapering

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70 %od economic! and polic' blog

can be !een a" %%%.econ70.com.



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David De Rego

Ha$d)a$e S"ecialiie% &Gla%% C!., Ic.

A$e +! hikig !f bildig a e)h!me !$ i he "$!ce%% !f )!$kig )ih

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make. Whe i c!me% ! %ec$ig +!$e) h!me high %ec$i+ deadb!l% a$e+!$ fi$% lie !f defe%e. The )hehe$

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a !ch !f $%ic )ih a %ligh $adii!alfeel. Ohe$ c!l!$% a$e a(ailable, %!d! be af$aid ! e*"e$ime. Whe

ch!!%ig k!b% !$ le(e$% al)a+% g!)ih )ha feel% $igh. Oe !e h!ghle(e$% a$e de%iged ! hel" h!%e )ih

di%abiliie% b ca be ae%heicall+"lea%ig. Tha% "a$ !f he bea+ !fbildig +!$ !) h!me i% ha +! ge

! b$ig +!$ i#e %e%e !f %+le !

he able ad b+ %elecig a m!$edec!$ai(e %+le !f d!!$ l!ck% all!)%

+! ! $l+ c%!mie +!$ h!me. Thi%ca be d!e a a aff!$dable "$ice)ih! %ac$ificig #ali+ !f $e%ideial

%ec$i+.Wih %! ma+ ch!ice% ! c!%ide$ i

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i mid ! all d!!$ l!ck% !$ b$ad% a$ee#al. Le'% face i - if i d!e%' kee"he bad g+% !, he i d!e%' $eall+

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NATioNAL ASSociATioN oF

Home BuiLDerS(800) 368-5242

TexAS ASSociATioN oF

BuiLDerS

(800)252-3625

www.elpasobuilders.com

www.epbuilders.org

Builders utlook

builders out look 2013 issue 11

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