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June 2017

 
 
 
 







Events May 2017



 






2016-17 ACT Graduation


It was a great evening celebrating Academy of Construction Technologies graduates! Volusia had 6 students graduate from ACT this year. We were especially proud of Paul Lawrence, a senior from Deland High, won a $500 scholarship.These students have the opportunity to go right to work directly after high school graduation in the Construction industry. Mr. Rick Hervey, Deland High Carpentry teacher extraordinaire, is the driving force behind the district's success with ACT.

  







 
 
 

HOME OF THE MONTH


Beech by Kolter Homes


Victoria Park, DeLand


Ransomware: 

Why Data Backups are Your Best Defense


You sit down at your desk, log on to your computer… and are greeted with a brazen message:

YOUR COMPUTER AND FILES ARE ENCRYPTED. YOU HAVE 96 HOURS TO SUBMIT PAYMENT OR YOUR FILES WILL BE DESTROYED. 

Panicked, you frantically search for your files, but they’re locked or have disappeared completely. Your last data backup was done a month ago, so any new files added or changes you’ve made since then are lost. Your heart sinks as you helplessly watch pop-up windows hit your screen, denying you access to documents, spreadsheets and even personal photographs until you pay a hefty fee.

You’re under a ransomware attack.


We’ve all heard about viruses and malware, yet ransomware remains a mystery to many. A report from the Kaspersky Lab showed that 43 percent of consumers in the United States and Canada don’t know what ransomware is or how it works, despite the fact that it’s been around for over a decade. And according to ZDNet, ransomware attacks in the United States increased 167 percent in 2016.

We’ve seen several clients directly impacted by ransomware attacks, resulting in lost work time and extra effort (and money) spent on getting their files and systems back. So it’s important to know what ransomware is, how it can affect you, and how robust, reliable and frequent data backups are your best defense.

Ransom-what?

Ransomware prevents you from using your computer by blocking access to operating systems, encrypting your files or stopping certain applications from running. It then demands that you pay a fee to get your files and programs back.

Ransomware can infect any device that uses the internet, including PCs, laptops, tablets and smartphones. It’s generally spread in the same manner as viruses or other malware—opening contaminated email attachments, visiting questionable websites or clicking on unfamiliar links.

Once on your computer, ransomware moves quickly; a file you worked on just minutes before can suddenly become inaccessible. If you have connections to other computers, or shared storage, files on those devices can also get encrypted by the ransomware on your computer.

There are two main types of ransomware. Lock-screen ransomware displays a full-screen message stating that your computer is locked and requiring payment to unlock it. It completely stops your ability to use your computer in any way. Encrypting ransomware encrypts and locks individual files on your device and demands payment for a key to release them. This type of ransomware is far more difficult to remove.

How do I know if I’ve been hit with ransomware?

The first visible sign of an infection is a message like the one above. You might see multiple pop-up windows, or one full-screen display. It can even include an official-looking seal and tell you that you’ve violated the law and will be arrested if you don’t pay their fine.

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Shelley Stewart Named to Top “Women in Title” List

 (DAYTONA BEACH, FL – May 8, 2017) – Shelley Stewart, CLC, President of Daytona Beach-­‐based Southern Title, was recently recognized as one of the nation’s top female title agents at the inaugural “Women in Title” event in Santa Ana, California.


Presented by First American Title Insurance Corporation, one of the world’s leading title insurance underwriters, Women in Title was created to educate, inspire, motivate, and celebrate women in leadership positions within the title insurance industry. Stewart was honored alongside women owners, principals, and chief executives from around the country at the prestigious event held on May 1-­‐3, 2017.

Stewart was selected as one of seven agents from across the country to serve on a Q&A panel that focused on the impacts and challenges of federal and state regulations on day-­‐to-­‐day  operations  and  the  growing  influence  of  women  in  the  industry.  The  event featured  keynote  speaker  Susan  E.  Packard,  co-­‐founder  of  Scripps  Networks  Interactive and former Chief Operating Officer of HGTV, as well as interactive educational sessions on cyber/wire fraud, personnel issues, and time management challenges.

“It is such an honor to be part of amazing group of women who have done so much for the industry over the past 30 years,” said Stewart, who started working for a title  agency while still in high school. “While we may face different challenges, our common goal is to provide a smooth and seamless closing experience for the American consumer while protecting their property rights.”

Stewart has served as president of Southern Title since it was created in 1995 and has been the driving force behind its growth to become the market leader in Volusia County. She has served as president of the Florida Land Title Association and was one of three agents appointed by then Lt. Governor Jeff Kottkamp to serve on the 2008 Title Insurance Advisory Council.

She is actively involved in the government affairs committee for both the American Land Title Association and the Florida Land Title Association, serving as FLTA’s Government Affairs chair, and is the agent liaison to the National Association of Insurance Commissioners.

In addition to leadership positions in the title insurance industry, Stewart is the Third Associate Vice President with the Florida Home Builders Association, is on the board of the Volusia Building Industry Association, and is a Trustee with the VBIA’s Housing for Tomorrow Political Action Committee.


Introduction To HERS® Scores

Home Energy Rating System

The HERS Score (Home Energy Rating System) is a diagnostic tool that shows how much energy a home is designed to use. The HERS Score is a national standard and is used by many programs including the ENERGY STAR® Certification Process. The score is determined by comparing your “As built” home to a geometric clone that uses the 2006 International Energy Conservation Code. A score of 100 means your home is equal to the code home for potential energy use. Each number either lower or higher represents a 1% efficiency variation with the lower score being better.


A home built to the Florida Energy Code Version 5 will have a score of approximately 77. For comparison, my home was built in 2002 and has a HERS Score of 102. That means a new home today is 25% more efficient than my home!

Those numbers represent dollars on your monthly utility costs. When buying a home it is critical to consider the total cost of ownership. You have a mortgage, taxes, insurance AND monthly energy costs. Building an energy efficient home can reduce your monthly costs $50-100 or more a month. The cost of building a high performance home may add $20-30 to your mortgage payment but a smart buyer would trade a $30 a month increase to the mortgage to gain $80 savings a month in utility costs! That is why around 300 builders nationwide are marketing their homes against competitors using the HERS Index Score. There are no builder requirements to have a HERS rating, they simply reference what you have already done in the building of your home.

Including high efficiency natural gas products to a new home can lower your HERS Score considerably. A natural gas standard tankless water heater will lower the HERS Score 6 points while a natural gas condensing tankless water heater will lower the HERS Score 9 points!  Add a $550.00 conservation rebate per tankless unit to the equation and you can consider yourself a smart builder!

You can learn more at www.resnet.us or www.fpuc.com/energyexpert



Blog Article Content for Home Builders

So, what can home builders blog about to get their customer's and Google's attention?

Are you a Tract Home Builder? 

Here is your proposed content:

Investors – e.g. how to find the best lots for homes
Builders and contractors – e.g. what materials work best for modern framing
New home buyers – e.g. how to save $25,000 on your new home mortgage
Are you a Custom Home Builder?
If you are, you usually take on a project at a time and want to focus on your ideal customer, probably upper middle class baby boomers
Choose some content that speaks to their financial needs
Blog about how you can use your self-directed IRA to get a tax break on building your new home.
What ROI a custom home can give them.
How to leave their assets, like their home, to loved ones tax free

    Make your own list of interesting blog articles, whether you read something interesting or you get a question from your customers or suppliers.

    Are you looking for additional ideas?

    Contact us for a FREE consultation session.

    To define and implement your 2017 social media strategy, contact Ursula Amon

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    MONTHLY NOTICES
     
    Spike Report
     

    New Members


    It's Here! The updated Spike Roster (04/30/17) is now available! 

    Click the link below to view: 

    Click Here for Spike Report

    What is a Spike?

    Recruiting new members to your local association is an activity recognized and rewarded through the Spike Club. Those who participate are called Spikes. 

    For more information on Spikes visit: 

    NAHB Spike




                                                    

     “Every man owes a part of his time and money to the business or industry in which he is engaged.  No man has a moral right to withhold his support from an organization that is striving to improve conditions within his sphere.”

    --Theodore Roosevelt



    FHBA Membership Benefits






    Click Here for all membership benefits




    NAHB Membership Benefits



    BUSINESS CARD VALUE SAVES YOU TWICE

    Click Here for all membership benefits




    Builders & Remodelers: 

    Members only manufacturer rebate


    Do Business With A Member


     “Every man owes a part of his time and money to the business or industry in which he is engaged.  No man has a moral right to withhold his support from an organization that is striving to improve conditions within his sphere.”

    --Theodore Roosevelt


    Save the Dates!

    June 21, 2017

    General Membership Meeting at LPGA

    June 23, 2017

    Four Hour OSHA Job Site Safety CEU Class at ATC

    June 27, 2017

    Board of Directors Meeting at VBIA

    July 26-29, 2017

    Southeast Building Conference at Gaylord Palms in Kissimmee

    August 23, 2017

    NAHB Chief Economist Robert Dietz Luncheon

    September 20, 2017

    General Membership Meeting

    Rep. DeSantis Speaking

    November 5, 2017

    Texas Hold ‘Em Poker Tournament


    Click Here for the Calendar of Events for 2017


    Thank you to our 2017 Parade Diamond Sponsors 

    International Tile

    Florida Public Utilities Company!

    ABC Supply Co


    CAROLINA CONSTRUCTION

    Member: Chris Crowley

    Phone: (386) 562-3021

    E-mail: chris@carolinaconstruction.build


    Member: William Blea

    Phone:  (386) 405-3009


    FOGLE CONSTRUCTORS, INC.

    Member: James Fogle

    Phone: (904) 591-0487

    E-mail: jamesf@fogleconstructors.com



    Member: Edward Sparks

    Phone: (386) 898-0571



    Member: Terry Lodge

    Member: Jaben Ryll

    Phone: (386) 574-0900


    Membership Renewals


    Member: Tom Crowe

    Phone: (386) 677-6330



    Member: Jake Lammers

    Phone: (386) 253-0677


    Name: Carl Schmidt

    Phone: (386) 437-5252



    Member: Judy Reiker

    Phone: (386)423-3110



    Member: Mark Paterniti

    Phone: (386) 253-7898



    Member: Chandra Capobianco

    Phone: (407) 293-4175



    Member: Ben Semchuck

    Phone: (386) 668-2600


    Member: Raymond Smith

    Phone: (386) 689-9285



    Member: Mike DeAngelo

    Member: Brett Kazmiercza

    Phone: (386) 738-7000



    Member: Laval Begin

    Phone: (386) 677-2999



    Member: Troy Nauman

    Phone: (570)476-2999


    Member: Eric Olsen

    Phone: (386) 947-4481



    Member: Jim Mather

    Phone: (386) 756-0439



    Member: Natasha Cartagena-Spencer

    Phone: (321) 757-6600


    Member: Ursula Amon

    Phone: (386) 527-5089



    Member: Bill Gallagher

    Phone: (386) 441-2299



    Member: Trudy Clark

    Phone: (904) 813-0502



    Member: Kimberly Richardson

    Phone: (386) 322-3730



    Member: Terry McNitt

    Phone: (386) 437-3122






     



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    104 LaCosta Lane, Suite 130 | Daytona Beach, Florida 32114

    Phone: (386) 226-1414 | Fax: (386) 226-9940

    Copyright © 2016 VBIA. All rights reserved.



    104 LaCosta Lane, Suite 130 | Daytona Beach, Florida 32114
    Ph: (386) 226-1414
    | Fax: (386) 226-9940

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