May 2012 The NAIL 3

The official magazine of Home Builders Association

of Middle Tennessee

PresidentDan Strebel

Vice PresidentJames Franks

Secretary/TreasurerMichael Dillon

Executive Vice PresidentJohn Sheley

Editor and DesignerJim Argo

StaffConnie NicleyPat Newsome

THE NAIL is published monthly by theHome Builders Association of MiddleTennessee, a non-profit trade associationdedicated to promoting the Americandream of homeownership to all residents ofMiddle Tennessee.

SUBMISSIONS: THE NAIL welcomes manuscripts and photos related to theMiddle Tennessee housing industry forpublication. Editor reserves the right to edit due to content and space limitations.

POSTMASTER: Please send addresschanges to: HBAMT, 9007 OverlookBoulevard, Brentwood, TN 37027. Phone: (615) 377-1055.

THE

NNAAIILL

CONFERENCEROOMS AVAILABLE

Need space for an upcoming meeting, seminar or special event?

Call the Home Builders Association andreserve one (or both) of the spacious,first-floor conference areas. Located inthe heart of Brentwood at the HBA’sfirst-class office building, each room

makes an ideal venue for both businessand social engagements alike.

BoardroomMembers - $350*Non-members - $600*

ClassroomMembers - $250*Non-members - $500*

Rooms are reserved on a first-come,first-serve basis. Call (615) 377-1055

for availability and reservation information.

*Each room requires a deposit of $100 (refundable) andhalf the amount of the rental fee due prior to date of

occupancy. Boardroom furniture may not be taken fromthe room or rearranged.

The Home Builders Association of Middle Tennessee9007 Overlook Blvd., Brentwood, TN 37027 615/377-1055 Fax: 377-1077

Round three on thehorizon...Sign up for the third round of thePiedmont Natural Gas BassTrail Tournament: Tuesday, May 115th.

Register today - download the entryform on page fourteen.Questions? Call 615-377-1055 or email cnicley@hbamt.net.

May 2012 The NAIL 5

FEATURES9

Housing outlook brightens say economists at NAHB

construction forecast Economists participating in the NAHB’s

construction forecast webinar expect housingto continue its upward path in the year ahead.

11Piedmont Natural Gas BassTrail Tournament continues

with second roundThe second round of the year was held April

17 at Fate Sanders Marina. Find all thescores on page 12 to keep up with this year’spoints leaders. Download your registration

form on page fourteen to join the tournament!

DEPARTMENTS6

News & Information

15SPIKE Club Report

16May Calendar

16Chapters and Councils

ON THE COVER:The NAHB’s construction forecast generated positive

discussions about the year ahead for the home buildingindustry. Full story on page nine.

6 The NAIL May 2012

NEWS&INFO

Single family housing starts virtually unchanged in March

Dickson County Chapter President Mark DDenney (center)with JV Vinson(left) and Kelly HHiggins from FergusonPlumbing and Building Products. Higgins was Denney’sguest speaker at the chapter’s April meeting.

Metro/Nashville Chapter President John WWhitaker (left)talks with Carl RRenegar from Ideal Building Systemsprior to the chapter’s April meeting. Renegar delivereda presentation titled "Concrete Construction &Passive House Technology” for meeting attendees.

John RRitterpusch, NAHB, Erin RRichardson, GBCPresident, Matt BBelcher, NAHB Green BuildingSubcommittee Chairman, and Stefan PPeter-CContesse,GBC Secretary/Treasurer, at the GBC’s April meeting.Belcher, a home builder from St. Louis, Missouri, spoketo the council about the role “green” building practiceswill play in the construction industry as the economybegins to recover. The meeting was held April 30, day 2of the NAHB’s National Green Building Conference atthe Nashville Convention Center.

Single-family housing production held virtu-ally unchanged in March as a double-digitdecline in the more volatile multifamily sec-

tor brought combined nationwide starts activitydown 5.8 percent to a seasonally adjusted annualrate of 654,000 units, according to data released bythe U.S. Commerce Department today.

“While more consumers appear to be serious-ly considering a new-home purchase, buildersremain very cautious about starting new projectsuntil they see more actual sales materializing,” saidBarry Rutenberg, chairman of the NationalAssociation of Home Builders (NAHB) and ahome builder from Gainesville, Fla. “At the sametime, in places where buyers are ready to go for-ward with a purchase, access to credit for bothbuilders and buyers and difficulties in obtainingaccurate appraisals are persistent challenges thatcontinue to slow that process considerably.”

“While combined U.S. housing starts lostsome ground in March, this was almost entirelydue to typical month-to-month volatility on themultifamily side,” said NAHB Chief EconomistDavid Crowe. “The fact is that single-family andmultifamily starts and permits were all stronger inthe first quarter of 2012 than they were in the fourthquarter of 2011, indicating that the market contin-ues to slowly strengthen, albeit in fits and starts.”

The 5.8 percent decline in overall housingstarts in March was mostly due to a 16.9 percentdecline on the multifamily side, which brought that

sector’s annual production pace to 192,000 units,seasonally adjusted. Meanwhile, single-familystarts held virtually flat for the month with a 0.2percent decline to 462,000 units.

Permit issuance, which can be an indicatorof future building activity, gained 4.5 percent toa seasonally adjusted annual rate of 747,000units in March – the fastest pace sinceSeptember of 2008. This gain was due to a 20.8percent increase on the multifamily side to285,000 units, while single-family permitissuance declined 3.5 percent to 462,000 units.

Builder confidence slips slightlyBuilder confidence in the market for newly built,single-family homes declined for the first time inseven months this April, sliding three notches to 25on the NAHB/Wells Fargo Housing Market Index.The decline brings the index back to where it wasin January, which was the highest level since 2007.

“Although builders in many markets are not-ing increased interest among potential buyers, con-sumers are still very hesitant to go forward with apurchase, and our members are realigning theirexpectations somewhat until they see more actualsigned sales contracts,” noted Rutenberg.

“What we’re seeing is essentially a pause inwhat had been a fairly rapid build-up in builderconfidence that started last September,” saidCrowe. “This is partly because interest expressedby buyers in the past few months has yet totranslate into expected sales activity, but is alsoreflective of the ongoing challenges that areslowing the housing recovery – particularlytight credit conditions for builders and buyers,competition from foreclosures and problemswith obtaining accurate appraisals.”

Permit issuance gainedgained 4.5%, the fastest pacesince September of 2008.

March 2012 The NAIL 7

Remodeling Market Indexremains flat in first quarter

Remodeling activity remained relatively flatin the first quarter of 2012, as theRemodeling Market Index (RMI) compiled

by the NAHB decreased one point to 47 from theupwardly revised 48 in the previous quarter.

The overall RMI combines ratings of currentremodeling activity with indicators of futureactivity. An RMI below 50 indicates that moreremodelers report market activity is lower (com-pared to the prior quarter) than report it is higher.

In the first quarter, the RMI componentmeasuring current market conditions droppedone point to 49, while the component measur-ing future indicators of remodeling businessfell two points to 44.

“We are seeing that the demand for remod-eling work has been pulled forward because ofa mild winter,” said NAHB RemodelersChairman George “Geep” Moore Jr., GMB,CAPS, GMR and owner/president of Moore-Built Construction & Restoration Inc. in ElmGrove, La. “That is why many remodelersreported lower numbers for future activity.”

The three components measuring currentmarket conditions moved in different directions inthe first quarter: major additions remained even at

44; minor additions rose one point to 52; andmaintenance and repair dropped four points to 51.Two of the four components measuring futuremarket indicators decreased: backlog of remodel-ing jobs dropped four points to 43 and appoint-ments for proposals fell five points to 45.Meanwhile, calls for bids rose one point to 47 andamount of work committed for the next threemonths remained even at 42.

Regionally, remodeling market conditions inthe West increased three points to 47, while theother three regions showed declines: theNortheast to 48 (from 55), the Midwest to 50(from 52) and the South to 46 (from 49).

“Even though many remodelers report thatconsumers are showing increased interest inremodeling, they are hesitant to act because offinancing constraints and the spotty nature of theeconomic recovery, which so far has failed toreach some of the larger markets in country,” saidNAHB Chief Economist David Crowe. “Manyconsumers are likely to be deferring large remod-eling projects until they feel more comfortablewith the economic climate in their area.”

For more information about remodeling,visit www.nahb.org/remodel.

Mirroring the uneven economicrecovery, the housing market isexpected to move in a slow, grad-ual upward path in 2012, while

encountering its share of speed bumps along theroad, according to economists participating inlast month’s NAHB construction forecast webi-nar on the housing and economic outlook.

While the latest monthly housing data haveshown signs of a slight softening, NAHB ChiefEconomist David Crowe said this is morereflective of typical month-to-month volatility inthe numbers and unusual seasonal factors thanthey are an indication of any significant down-ward trend in the broader housing market.

“The aggregate information suggests we’rejust in a pause mode right now in terms of thesemeasures,” said Crowe, who noted this couldpartly be the result of an early spring that

brought much better weather than usual into thepicture at the start of this year and pulled somehousing activity forward.

Pointing out that less volatile quarterlydata have continued to show modest improve-ment in key housing indicators such as buildersentiment, new-home sales and housing pro-duction, Crowe said the “housing outlook con-tinues to slowly brighten.”

Crowe noted that numerous other funda-mentals remain positive for housing at this time,including demographic factors (with pent-uphousehold demand expected to ramp up andecho-boomers heading into their prime house-hold formation ages), historically favorablemortgage rates that are not expected to movehigher than 5 percent by the end of next year,more than 100 local markets currently listed onthe NAHB/First American Improving Markets

Index, and the fact that house price-to-incomeratio has now returned to its historical averageof about three-to-one versus the nearly five-to-one to which it had previously risen during theheight of the housing boom.

However, he cautioned that housing stillcontinues to face formidable challenges of itsown -- such as rising foreclosures, persistentlytight lending standards for home buyers andbuilders and difficulties in obtaining accurateappraisals. Moreover, disappointing job growthnumbers in March and uncertainty in theEuropean economy are undermining prospectsfor a vigorous recovery.

“No one is anticipating that an upward pathfor housing will run in a straight-line trajectory,”said Crowe. “The economy is in an unevenrecovery and we can expect some correspondingups-and-downs in the housing market in themonths ahead. However, NAHB believes that onthe whole, we can expect a slow and gradualrecovery in housing starts, home sales and theoverall housing market in 2012.”

Starts and sales on upward pathNew-home sales are expected to climb from arecord-low of 305,000 units in 2011 to 357,000this year and 505,000 in 2013. Existing single-family sales are expected to follow suit and risefrom 3.8 million last year to 4.4 million in 2012and 5.4 million next year.

Housing starts are also anticipated to movein the same upward trajectory, Crowe said, withsingle-family housing production increasingfrom 434,000 units last year to 503,000 this yearand a more solid 660,000 in 2013.

Delving into the economic forces that housingwill be contending with in the next two years,Chris Varvares, senior managing director and co-founder of Macroeconomic Advisers, LLC, pro-jected growth in the gross domestic product of 2.6percent this year and about 3.3 percent in 2013.

U.S. economic outlookCiting a number of risks to this outlook, Varvaressaid the “eurozone is the 800 pound gorilla in theroom,” and if Spain or Italy face a (see page 11)

Housing outlook continues to brightenEconomists speculate on the housing market during NAHB’s constructionforecast webinar.

May 2012 The NAIL 11

Round two of the 2012 Piedmont Natural Gas Bass Trail Tournament was held April 17th atFate Sanders Marina.

The second round of the 2012 Piedmont Natural Gas Bass TrailFishing Tournament is in the books! Held Tuesday, April 17 atFate Sanders Marina, round two of this year’s five qualifying tour-

naments wrapped up under rainy skies outside before concluding with adelicious fish fry inside. Top fishermen were recognized during the awardsceremony held during the fish fry at the marina’s restaurant.

Randall Herbert and Clayton Richardson topped the scoreboard and wereawarded first place prizes and winners’ trophies during the ceremony. TheFive Star Building Group duo weighed in with 17.19 lbs worth of catches forthe day in landing the top spot.

Second place was reeled in by Triton Stone & Granite’s Jim Ford andMike Williams who weighed in with catches totaling 15.85 lbs. Ford andWilliams also took home the “Big Fish” award for a catch weighing 5.53 lbs.

Danny Hankins and Mark Snead of the CPS Land, LLC boat securedthird place honors with a weigh-in of 15.73 lbs.

And fourth place honors went to JS Earhart Plumbing’s Bobby Colsonand Jody Earhart who weighed in with 15.12 lbs.

A complete rundown of posted scores are listed on page twelve. Thescoreboard includes only those teams who chose to weigh-in and thereforedoes not include every fishing boat that participated during the tournament.

Special thanks to tournament sponsors Piedmont Natural Gas. Our nexttournament will be held Tuesday, May 15 at Bull Creek Marina. See pagefourteen (14) for your registration form. Fishermen are treated to a fish fry at the Fate Sanders Marina Restaurant.

Second round down

The Five Star Building Group team ofRandall HHerbert and Clayton RRichardsonearned first place honors following theApril 17 tournament at Fate SandersMarina.

Company/Boat Fishermen Wt Pts

Five Star Building Group Randall Herbert & Clayton Richardson 17.19 lbs. 100

Triton Stone & Granite Jim Ford & Mike Williams 15.85 lbs. 99

CPS Land, LLC Danny Hankins & Mark Snead 15.73 lbs. 98

JS Earhart Plumbing Bobby Colson & Jody Earhart 15.12 lbs. 97

Joe Haas Construction Joe Haas & Rusty Rust 13.40 lbs. 96

Piedmont Natural Gas Myatt Brown & Tim Cunningham 12.92 lbs. 95

Benchmark Construction Trey Bain & Nathan Vaughn 12.80 lbs. 94

Five Star Building Group Jason King & JP King 12.30 lbs. 93

Jeffco Flooring Oliver Bradley & Jeff Johnson 11.47 lbs. 92

Piedmont Natural Gas Jimmy Capps & Danny Talley 11.45 lbs. 91

Piedmont Natural Gas Lamar Morgan & Joe Reese 11.44 lbs. 90

Custom Classic Homes John Hopkins & Keith Roberson 10.50 lbs. 89

Building Solutions by Spann Todd Spann & Bill Terry 10.13 lbs. 88

Piedmont Natural Gas Dennis Jenkins & Mark Reavis 9.80 lbs. 87

McKenzie Construction John Bornstein & David Gnewikow 9.06 lbs. 86

American Heating& Cooling Roger Dunn & Kevin Isreal 6.95 lbs. 85

Bob Kennedy Builders Bob Kennedy & Donnie Kennedy 6.56 lbs. 84

Piedmont Natural Gas Jerry Bell & Rob Hall 5.22 lbs. 83

Piedmont Natural Gas George Brown & Milton Henderson 4.88 lbs. 82

Piedmont Natural Gas Jerry Deal & Kevin Tidwell 3.41 lbs. 81

Spencer Mill Woodworks Ronnie Collins & Barry Welch 2.62 lbs. 80

Bill TTerry congratulates second placewinners Jim FFord and Mike WWilliams, TritonStone & Granite.

12 The NAIL May 2012

Third place winners Mark Snead andDanny Hankins, CPS Land, LLC.

Fourth place winners JodyEarhart and Bobby Colson,JS Earhart Plumbing.

May 2012 The NAIL 13

Jerry BBell and Rob HHall earned the topspot and first place honors following thefirst tournament of the year held March20 at Mason’s Boat Dock. The PiedmontNatural Gas team also took home thattournament’s “Big Fish” award.

14 The NAIL May 2012

COMPLETED

May 2012 The NAIL 15

SPIKE REPORT

Fouteen SPIKES (in bold) increased their recruit-ment numbers last month. What is a SPIKE?SPIKES recruit new members and help the associa-tion retain members. Here is the latest SPIKE reportas of March 31, 2012.

Top 20 Big Spikes

Jim Ford 909Virgil Ray 813Bill King 776Mitzi Spann 593Jim Fischer 566Terry Cobb 561James Carbine 320Dan Stern 306Bruce Hancock 297Kevin Hale 283Tonya Jones 271John Whitaker 269Jennifer Earnest 266Bill Towe 262Reese Smith III 256Steve Moody 219Sonny Shackelford 207Michael Apple 185David Crane 180Cyril Evers 180

Life SpikesAnne McKnight 179Jackson Downey 170Jim McLean 163Louise Stark 163Davis Lamb 156Harry Johnson 146Steve Cates 140C.W. Bartlett 138Tonya Alexander 120Steve Hewlett 119Tom Kelley 115Tim Ferguson 113Johnny Watson 101Bill Kottas 97Carmen Butner 95Lee Santiago 95Dave McGowan 91Kim Dykes 89B.J. Hanson 81Randy Parker 74Erin Richardson 71Jeff Slusher 70Duane Vanhook 69John Baugh 68Jordan Clark 65Don Bruce 62Sam Carbine 62Jim Ford, Jr. 62Hill McAlister 57Joe Morgan 54Gerald Bucy 53John Broderick 51 Al Davis 47Sheila Rawlings 47Bernie Laine 46

Greg Langley 46Beth Sturm 46Benny Sullivan 46Kim Nichols 45Bryan Edwards 44David Hughes 44Andrew Neuman 44Kay Russell 43Peggy Krebs 37Chuck Clarkson 36Wiggs Thompson 36Brad Butler 35Andy Wyatt 35Al Hacker 34Ray Edwards 32Dan Strebel 32David Lippe 31John Ganschow 30Steve Wheeley 30Alvin Basel 29Matt Burnett 25James Franks 25

SpikesLori Fisk-Connors 24Trey Lewis 24Jess Dillon 16Tracy Lomax 14Eric DeBerry 12Frank Tyree 9Marty Maitland 8Kelvey Benward 7Lou Farringer 7Ron Myers 7Pam Smith 7Christina Cunningham 6Bridget Thompson 6

(Housing outlook brightens cont’d) financialdefault, the effects could spill over into the U.S.

Soaring oil prices and the standoff with Iranover its nuclear stance could also unnerve financialand commodity markets. In the U.S., he said thatthe payroll tax holiday, emergency unemploymentbenefits, and the Bush-era tax cuts are all due toexpire at the end of the year. So if Congress doesnot act, he said we could be “hitting a fiscal cliff.”

On the plus side, he said that increasing house-hold formations, rising real incomes, steadilyupward payroll growth and a bullish stock marketwill contribute to the current economic expansion.

Turning to the housing front, Varvaressaid “we believe we have hit the trough inhome prices” and expects prices to be flat thisyear and to rise 1.5 percent in 2013.

He anticipates 514,000 single-family startsin 2012 and 751,000 next year. Multifamilyhousing production should hit 221,000 thisyear and 238,000 in 2013.

“Our long-term analysis suggests that giventhe demographics, we need to build roughly 1.6million units a year over the next decade to meetdemographic demand for housing,” said Varvares.“Obviously, we are now well below that. We dobelieve we will see a fairly nice run in 2013 andbeyond as we need to build those units.”

Conditions vary by stateLooking at various state statistics behind thenational numbers, Robert Denk, NAHB’s assis-

tant vice president for forecasting and analysis,noted a range of conditions across the countryand differences among the states in the amountof distress suffered during the recession and theheadway that is being made in recovering.

Housing nationwide bottomed out at an aver-age 27 percent of normal production, which hedefines as the residential building that occurred in

2000 to 2003, before the housing boom.The hardest hit states – such as California,

Florida, Nevada and Arizona – bottomed out atbetween 10 percent and 15 percent of normalproduction, while better states, in sharp contrast,declined to 50 percent of normal production.

Denk said that housing prices are driftingback to near-normal in many states. The numberof states where house prices now exceed their

historic trend are continuing to recede, joiningthe states where prices are in the normal range.

Some states however, such as Arizona andNevada, have seen an overcorrection of boomprices and will take longer to get back to normal.

Nationally, he said prices have dropped backto normal. “What we are seeing is stabilizationof house prices across the country, back to near-ly their historical averages,” he said.

Most states saw their foreclosure rates jumpfrom an average of 0.5 percent during the periodbefore the boom to a peak of nearly 1.5 percentin the third quarter of 2009, but there were those– such as California, Arizona, Florida andNevada – where foreclosures increased by a fac-tor of four, five or six times normal.

Nationally, foreclosure rates have droppedback down to an average of 1 percent, and whilethey remain a problem in most markets, they areat crisis proportions in only a few, Denk said.He added that Texas and Florida have roughlythe same number of mortgages, but Florida hasfour times as many foreclosures.

The protracted housing recovery now under-way will bring housing starts to 40 percent of nor-mal production by the fourth quarter of this yearand 55 percent of normal by the end of 2013.

Getting back to normal considerablyfaster will be oil states Texas and Oklahoma;coal and natural-gas producing Wyoming andMontana; and Iowa, supported by agriculturalcommodities.

16 The NAIL May 2012

MAY CALENDAR

CHAPTERS & COUNCILSCHAPTERS

CHEATHAM COUNTY CHAPTER Chapter President - Roy Miles: 615/646-3303Cheatham County Chapter details are currently being planned.Next meeting: to be announced.Topic: to be announced.Chapter RSVP Line: 615/377-9651, ext. 310

DICKSON COUNTY CHAPTERChapter President - Mark Denney: 615/446-2873. The Dickson County Chapter meets on the third Monday of themonth, 12:00 p.m. at the Ponderosa Restaurant in Dickson. Next meeting: Monday, May 21.Topic: to be announced.Price: FREE, lunch dutch treat.Chapter RSVP Line: 615/377-9651, ext. 307

MAURY COUNTY CHAPTER Maury County Chapter details are currently being planned.Next meeting: to be announced.Price*: to be announced.Chapter RSVP line: 615-377-9651, ext. 312; for callers outsidethe 615 area code, 1-800-571-9995, ext. 312

METRO/NASHVILLE CHAPTERChapter President - John Whitaker: 615/843-3300. The Metro/Nashville Chapter meets on the fourth Monday of themonth, 11:30 a.m. at the HBAMT offices.Next meeting: Monday, May 28.Topic: to be announced.Price*: to be announced.Chapter RSVP Line: 615/377-9651, ext. 304

ROBERTSON COUNTY CHAPTERNext meeting: to be announced.Topic: to be announced.Price*: to be announced.Robertson County RSVP line: 615-377-9651, ext. 313.

SUMNER COUNTY CHAPTER The Sumner County Chapter meets on the fourth Tuesday of themonth, 11:30 a.m. at the new Hendersonville Library. Next meeting: to be announced.Topic: to be announced.Price*: to be announced.Chapter RSVP Line: 615/377-9651, ext. 306

WILLIAMSON COUNTY CHAPTER Chapter President - BJ Hanson: 615/884-4935. The Williamson County Chapter meets on the third Tuesday of themonth, 11:30 a.m. at the HBAMT offices. Next meeting: Tuesday, May 15.Topic: “Mortgage Fraud,” with Nikole Avers, Executive Director,Regulatory Boards, State of Tennessee.Price: to be announced.Chapter RSVP Line: 615/377-9651, ext. 305

WILSON COUNTY CHAPTER The Wilson County Chapter meets on the second Thursday of themonth, 11:30 a.m. at the Five Oaks Golf & Country Club in Lebanon.Next meeting: to be announced.Topic: to be announced.Price*: to be announced.Chapter RSVP Line: 615/377-9651, ext. 309

*Builders free pending sponsorship.

COUNCILS

CUSTOM BUILDERS COUNCIL Council President - Alan Looney: 615/309-8200.The CBC meets on the second Tuesday of the month, 11:30 a.m. atthe HBAMT offices. Next meeting: to be announced.Topic: to be announced.Price: to be announced.

Council RSVP Line: 615/377-9651, ext. 311

GREEN BUILDING COUNCIL Council President - Erin Richardson: 615/883-8526. The Green Building Council meets on the fourth Wednesday of themonth, 11:00 a.m. at the HBAMT offices.Next meeting: Wednesday, May 23.Price: free for Green Building Council members thanks to ourannual sponsors Trus Joist and E3 Innovate; $20 for non-memberswith RSVP ($25 w/o).Council RSVP Line: 615/377-9651, ext. 308

HBAMT REMODELERS COUNCIL Council President - Don Mahone. The HBAMT Remodelers Council meets on the third Wednesdayof the month, 11:00 a.m. at varying locations.Next meeting: Wednesday, May 16.Location: to be announced. Topic: to be announced.Price: free for RMC members with RSVP; $15 for non-memberswith RSVP ($20 w/o).Council RSVP Line: 615/377-9651, ext. 301

MIDDLE TENN SALES & MARKETING COUNCIL Council President - David Lippe. The SMC meets on the first Thursday of the month, 9:00 a.m. atthe HBAMT offices. Next meeting: SPECIAL EVENT - “Browsers to Buyers” withauthor and sales trainer Mike Lyon. Thursday, May 3, 9:00AM to11:00AM at Piedmont Natural Gas in Nashville. More details onpage 4 (four) of this issue.Price: $15 for SMC members with RSVP ($20 w/o); $35 for non-members with RSVP ($40 w/o).Meeting sponsored by: The Jones Company, Norfolk Homes,Piedmont Natural Gas, Builder Designs, Lasso, and New HomesDirectory.Council RSVP Line: 615/377-9651, ext. 302.Mike Lyon event RSVP Line: 615/377-9651, ext. 303.

SUNDAY MONDAY TUESDAY WEDNESDAY THURSDAY FRIDAY SATURDAY

1 2 33SMC Special Event

with Mike Lyon

4 5

6 7 8 9 10 11 12

13 14 1155Bass Trail - Round 2

Williamson County Chapter

Rick O Fundraiser

1166HBAMT Remodelers

Council

17 18 19

20 2211Dickson County

Chapter

2222HBAMT Membership

Day

2233Green Building Council

24 25 26

27 2288Metro/Nashville

Chapter

29 30 31 1 2

3 4 5 9 10 11 12