Real Estate 01/18/15 by Colorado Springs Gazette, LLC

RealEstate Sunday, January 18, 2015

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Fence etiquette prevents disputes COURTESY OF METRO SERVICES

People fortunate enough to own their own plots of land often choose to fence in their pieces of paradise. Fences serve many purposes: to designate property boundaries, keep pets or children contained in a safe environment, corral livestock, offer privacy or add aesthetic appeal. Although installing a fence may seem like the right idea for you, going about it the wrong way may lead to problems among neighbors, particularly if you live where the houses are relatively close to one another. Some homeowners find fences become the final point of contention among disagreeable neighbors or create tension with a neighbor with whom you previously had a good relationship. Being courteous with fence plans is the way to avoid any animosity along the way. There are certain things you must do and should do if you plan to erect a fence. Most people find neighbors appreciate being informed of any decisions you are thinking of making to the property that can affect their views or their adjoining property. Before drawing up fence plans with a contractor, talk to the neighbors on either side of your home and gauge their receptiveness to a fence. At this point, you may want to consider offering to make the fencing project a joint deal to save money should the neighbors decide to install a fence as well. Contractors

will often discount if they have several customers doing an installation at the same time. Property owners can save by splitting the costs of the shared walls of the fence where their property lines meet. Explain your case for the fence. Most neighbors are receptive to the idea if they know the reasoning — especially if the desire for a fence is not to keep them at bay. It’s hard to protest a fence that is a safety precaution for children. If your neighbor already has a fence, you must ask whether you can connect your fence panels into the support post on your shared side. Once you notify your neighbors as a courtesy, there are certain steps to take that will prevent any legal disputes down the road. Even the most easy-going neighbor could grow aggravated if the fence is put up carelessly or ends up partially on his property. The best way to prevent this is to apply for a new, professional property survey and have property lines indicated with paint or wood markers. Each town or city has different regulations with regard to fencing, so it is important to learn the ropes or hire a contractor who is familiar with the rules. It might be illegal to install fences directly on the property line. The law might require the fence be installed a few inches inward. There also may be rules about how high fences can be in

the front of the home, sides and back. Corner lot properties may have added regulations depending on whether the fence could prove a visual obstruction to drivers. If you live in a planned community, or one with a homeowners’ association, it is your job to find out the guidelines for any home improvements. The HOA may dictate the style, size and maintenance of the fence or may not allow a fence at all. Once all the details are checked, you may have to apply for a fence permit. This way the construction of the fence and finished product will meet safety standards, and the area in which you live can provide consistent quality control. If the fence is installed by code, there is little chance it will have to be torn down or changed in the near future. Also, doing it by the book means that a neighbor can be unhappy about a fence but not have legal recourse to ask you to remove it. As an added form of courtesy, it is proper fence etiquette to put the “good” side of the fence facing the neighbors’ yards. That means the side of the fence that doesn’t show the support panels and posts. Remember, it is your fence so you are also responsible for all maintenance of the fence — on all sides. Just because your neighbor also will be benefiting from your fence, doesn’t mean he will have to care for it. 

Location. Style. Selection.

classichomes.com

2SH

The Gazette · springshouses.com

Sunday, Jan 18, 2015

BuildingPermits The figures quoted here are based on the weekly printout from the Regional Building Department. Not all permit data are shown. Prices include labor and materials and do not reflect lot price, utility tap fees, or other expenses. The following covers Jan. 3 – 9, 2014.

SINGLE FAMILY HOMES

• 8638 Moorland Ln. $557,780 Vantage Homes Corp. • 4485 New Santa Fe Trl. $465,905 Vantage Homes Corp. • 7879 Dutch Lp. $465,263 Reunion Homes • 5195 Eldorado Canyon Ct. $460,016 Keller Homes Inc • 10616 Abrams Dr. $388,272 Reunion Homes • 4548 Outlook Ridge Trl. $603,610 Saddletree Inc. • 10592 Abrams Dr. $421,467 St. Aubyn Homes, LLC. • 10425 Declaration Dr. $347,475 St. Aubyn Homes, LLC. • 6639 Stingray Ln. $410,009 St. Aubyn Homes, LLC. • 6615 Stingray Ln. $377,671 St. Aubyn Homes, LLC. • 10503 Declaration Dr. $410,009 St. Aubyn Homes, LLC. • 6458 Stingray Ln. $377,671 St. Aubyn Homes, LLC. • 8389 Needle Drop Ct. $410,759 Challenger Homes, Inc. • 7951 Dutch Lp. $457,339 Stephens & Assoc., Inc. • 7967 Dutch Lp. $457,339 Stephens & Assoc., Inc. • 7495 Dutch Lp. $414,507 Stephens & Assoc., Inc. • 7536 Bonterra Ln. $376,386 Stephens & Assoc., Inc. • 7905 Wagonwood Pl. $367,927 Premier Homes, Inc. • 8103 Hardwood Cr. $260,000 Premier Homes, Inc. • 7911 Wagonwood Pl. $242,215 Premier Homes, Inc. • 8097 Hardwood Cr. $277,766 Premier Homes, Inc. • 7917 Wagonwood Pl. $291,365 Premier Homes, Inc. • 11567 Denali Trl. $562,598 Reunion Homes • 2508 Wood Ave. $127,211 S&R Const. Inc. • 5421 Roundup Ridge Rd, $615,924 Builtrite Bldrs. • 7320 Tributary Ct. $358,504 Aspen View Homes • 7330 Tributary Ct. $357,861 Aspen View Homes • 8548 Moorland Ln. $469,974 Vantage Homes Corp.

TOWNHOMES

• 3093 Wild Peregrine Vw. $259,669 Premier Homes, Inc. • 3101 Wild Peregrine Vw. $192,637 Premier Homes, Inc. • 3109 Wild Peregrine Vw. $192,637 Premier Homes, Inc. • 3117 Wild Peregrine Vw. $192,637 Premier Homes, Inc. • 3125 Wild Peregrine Vw. $192,637 Premier Homes, Inc. • 3133 Wild Peregrine Vw. $259,669 Premier Homes, Inc.

RESIDENTIAL ALTERATIONS

• 3335 Santa Rosa St, $2,100 Rest. Colo., Inc., Reroof • 710 S Nevada Ave. $6,500 Rest. Colo., Inc., Reroof • 20770 Oasis Ave. $3,700 Rest. Colo., Inc., Reroof • 710 S Nevada Ave. $3,100 Rest. Colo., Inc., Siding • 2931 Virginia Ave. $6,577 Pyramid Roofing Corp, Reroof • 4412 Binkerd Dr. $9,820 Pyramid Roofing Corp, Reroof • 3214 Jon St, $5,000 Zede Roofing, Reroof • 1980 Craig Dr. $18,588 Integrity Roofing & Painting, Reroof • 131 Rainbow Pl. $3,500 So. Colo. Roofing, Reroof • 729 Duclo Ave. $5,776 Champion Window Co. of CS, Siding • 8964 Picabo Ln. $3,500 So. Colo. Roofing, Reroof • 723 Orion Dr. $50,000 Pittman Const., LLC., Int. Remod. • 13014 Devils Thumb Pl. $15,901 Homeowner, Bsmt. Finish • 4965 Teton Pl. $19,689 Sew Ent. dba My Handyman, Bsmt. Finish • 615 Coveglen Ct. $24,547 Bordner Install. Grp. Inc, Stucco • 740 Trumpeters Ct. $43,146 Bordner Install. Grp. Inc, Stucco • 924 N Wahsatch Ave. $5,100 All Phase Roofing, Inc., Reroof • 4604 Bittercreek Dr. $4,000 X-cel Rest. Inc., Reroof • 3444 Colony Hills Rd, $2,800 A&K Roofing & Gutters, Reroof • 193 Dolomite Dr. $11,710 Front Range Roofing Co., Reroof • 3043 Pony Tracks Dr. $3,500 Diamond Roofing & Const., Reroof • 7485 Franconia Ter, $5,251 Pyramid Roofing Corp, Reroof • 35 Briarcrest Pl. $27,829 Old World Const., Inc, Reroof • 5630 Loyola Dr. $4,250 Decks By Schmillen LLC., Deck • 7320 Delmonico Dr. $14,321 Rampart Roofing, Inc., Reroof • 3104 Springridge Dr. $12,600 Lianro Metal Roofs, Inc., Reroof • 8172 Radcliff Dr. $6,500 Timberline Roofing & Const., Reroof • 849 N Candlestar Lp. $7,700 Best Hands Roofing, Reroof • 1908 Redbank Dr. $22,406 Elite Prop. Of Amer., Inc., Bsmt. Finish • 4055 N Curtis Rd, $4,500 Crossroad Bldrs. Inc, Deck • 120 Manitou Pl. $6,000 Empire Roofing Syst., Inc., Reroof • 6325 Pawnee Cr. $2,000 Homeowner, Garage Conv. • 3950 Charro Dr. $4,591 Calvin Turner Roofing LLC., Reroof • 830 E Platte Ave. $9,406 Rampart Roofing, Inc., Reroof • 7359 Bentwater Dr. $33,248 Homeowner, Bsmt. Finish • 3115 Jon St, $10,613 Old World Const., Inc, Reroof • 512 E Cache La Poudre St, $2,160 1st Call Exts., Reroof • 2206 Patrician Way, $5,600 Fortune Homes, Reroof • 1042 Florence Ave. $3,500 Marquez Lathing & Stucco, LLC., Stucco • 3143 Teardrop Cr. $7,100 Divine Roofing, Inc, Reroof • 1602 Bates Dr. $3,654 Cornerstone Roofing & Gutters, LLC., Reroof

springshouses .com • 2990 N Log Rd, $7,000 Wilcox Roofing, Inc., Reroof • 624 N Prospect St, $11,000 Wilcox Roofing, Inc., Reroof • 10160 Ottertail Ct. $6,600 Wilcox Roofing, Inc., Reroof • 13055 Mcclelland Rd, $3,800 Wilcox Roofing, Inc., Reroof • 1480 Owl Ridge Dr. $6,800 Ata Boyz Const., Reroof • 4136 Hampshire Pl. $6,000 Barritts Carpentry, Inc., Decks (2) • 5933 Chokecherry Dr. $5,800 The Fireplace Doctor, Inc., Woodstove • 692 Gilcrest Rd, $6,000 Top Gun Cleaning & Rest. Inc., Reroof • 13366 Cedarville Way, $6,000 Top Gun Cleaning & Rest. Inc., Reroof • 19815 E Elk Creek Dr. $6,000 Top Gun Cleaning & Rest. Inc., Reroof • 808 E Kiowa St, $6,000 Top Gun Cleaning & Rest. Inc., Reroof • 7125 Dark Horse Dr. $6,000 Top Gun Cleaning & Rest. Inc., Reroof • 3330 Clubheights Dr. $17,000 Innova Corp., Int. Remod. • 16530 Brooks Way, $5,000 Ace Const. & Exts., Reroof • 810 Bryce Dr. $3,500 Aaa Stucco & Plstrg., Inc., Stucco • 4735 Ramblewood Dr. $13,588 Innova Corp., Bsmt. Finish • 1016 N Wahsatch Ave. $8,000 Custom Design Bldrs., Inc, Int. Remod. • 3405 Sinton Rd 49, $6,025 Crs Roofing Co., Reroof • 805 N Corona St, $20,000 Homeowner, Addn. • 1430 N Nevada Ave. $5,433 Total Roofing, Reroof • 8865 Nantucket Ct. $8,702 Homeowner, Bsmt. Finish • 3647 Tuscanna Grv. $5,000 J & J Const., Inc., Deck • 17816 Pinon Park Rd, $22,000 Prime Cos. Inc dba Pci Const. Svcs, Reroof • 1095 Western Dr 245d, $1,400 Tierra Rojo Const., Int. Remod. • 2605 W Pikes Peak Ave. $16,480 Homeowner, Bsmt. Finish • 2940 Shoreham Cr. $1,800 B&J Genl. Contractors Inc, Siding • 8830 Chipita Park Rd, $12,495 Western Roofing Spec., Reroof • 1728 N Royer St, $63,287 Homeowner, Addn. • 14215 Delwood Dr. $5,000 Homeowner, Deck Rplcmt. • 2501 Frontier Dr. $3,241 Peak View Roofing, Reroof • 5360 Silver Dr. $19,111 Homeowner, Bsmt. Finish • 8236 Longleaf Ln. $21,000 Bob Mcgrath Const., Bsmt. Finish • 5955 Ridge Brook Ln. $4,000 Homeowner, Adding Windows • 13915 Sierra Knolls Ct. $34,867 Homeowner, Bsmt. Finish • 1250 Popes Valley Dr. $11,211 MK Cahill Quality Cnstctrs., Deck • 326 E San Miguel St, $16,016 Reliable Roofing Syst., Inc, Reroof • 5231 Alta Loma Rd, $9,120 Ecoblast LLC. dba High Impact, Reroof • 8157 Mount Huron Trl. $7,387 Abello's Roofing LLC., Reroof • 3405 N Institute St, $6,142 Abello's Roofing LLC., Reroof • 6265 Wellington Rd, $6,400 Home Town Roofing, Reroof • 365 Oxbow Dr. $19,515 Homeowner, Bsmt. Finish • 17240 Wagon Train Lp. $22,653 Dutch's Home Impvmt., Siding & Gutters

• 1337 Edith Ln. $15,604 Dutch's Home Impvmt., Siding Soffit & Facia • 1061 Maxwell St, $1,500 L&N Const. LLC., Reroof • 5018 Sonata Dr. $2,000 Savio Const. Inc., Int. Remod. • 5018 Sonata Dr. $4,200 Savio Const. Inc., Siding • 5018 Sonata Dr. $3,000 Savio Const. Inc., Reroof • 19821 Kershaw Ct. $200,000 Riverwood Homes of Colo., Addn. • 2991 Sunnywood Ave. $0 Homeowner, Bsmt. Finish • 805 Pollux Dr. $32,000 Five Elephants Decking, Deck • 121 S Prospect St, $1,500 Thompson Property Svcs., LLC, Reroof • 7114 Golden Acacia Ln. $7,885 K. K.'s Carpentry Svc., Deck & Pergola • 5006 Hackamore Ct. $5,363 Petrali Roofing, Reroof • 1910 W Bijou St, $2,500 Pinnacle Structural Svcs., Fndtn. Repair • 6328 Sundance Kid Dr. $11,998 Homeowner, Bsmt. Finish • 25106 Kobilan Rd, $12,656 Western Roofing Spec., Reroof • 2112 Fieldcrest Dr. $31,803 Homeowner, Bsmt. Finish • 915 Stargate Dr. $500 Homeowner, Bsmt. Remod. • 3119 Springdowns Pl. $24,403 Weatherproof Exts., Reroof • 7570 Colby Ct. $15,600 Roofcraft Inc., Reroof • 1260 Carlson Dr. $8,300 Roofcraft Inc., Reroof • 120 W Old Broadmoor Rd 1/2, $7,352 Rampart Roofing, Inc., Reroof • 8044 Pinfeather Dr. $22,898 St. Aubyn Homes, LLC., Bsmt. Finish • 1557 Acorn Way, $3,000 Alpine Timber Custom Bldrs. & Remod., Int. Remod. • 603 W Cheyenne Rd, $35,000 Scott Building, Inc, Garage Remod. • 250 Sierra Vista Dr. $24,651 Peak View Roofing, Reroof • 3590 Maison Vw. $150,000 Peak View Roofing, Reroof • 2950 Leoti Dr. $25,000 Champion Window Co. of CS, Siding • 119 W Mill St, $5,730 Champion Window Co. of CS, Siding • 2149 Poteae Cr. $3,932 Aspen Roofing, Inc., Reroof • 4935 Country Brook Ct. $2,700 Sunset Buildings, Shed • 3105 Venable Pass Ct. $8,000 Thomas Home Impvmt., Siding • 10821 Udella Ct. $35,070 Cleary Building Corp., Pole Barn • 2615-2639 Thrush Grv. $30,000 Century Const. & Sons Ltd., Reroof (1 Bldg. ) • 3316 Jon St, $1,500 Willhite Roofing Svcs. LLC., Reroof • 612 High St, $3,500 So. Colo. Roofing, Reroof • 1811 N 7th St, $25,200 Colo. Grouting, Fndtn. Repair • 771 Lavelett Ln. $67,364 Homeowner, Bsmt. Finish • 4040 Zurich Dr. $27,177 Homeowner, Bsmt. Finish • 10435 Burgess Rd, $31,803 Homeowner, Bsmt. Finish • 1109 Glengary Pl. $10,000 Trail's End Homebuilders, LLC, Int. Remod. • 1331 Sunset Rd, $11,900 Brian Pierce Roofing, Reroof • 14405 Timberedge Ln. $27,400 Brian Pierce Roofing, Reroof • 5 S Sherwood Gln, $18,000 D&j Johnson Ent., Inc. dba Perf. Roofing & Rest, Reroof

• 2505 Wood Ave. $13,620 Total Roofing, Reroof • 2389 Jet Wing Dr. $5,000 Pbp Const., Reroof • 209 W Missouri Ave. $700 Homeowner, Replace Windows • 6493 Barrel Race Dr. $4,000 Springs Home Impvmt. Co., Patio Cover • 1305 Amstel Dr. $2,000 Boogaard Const., Inc., Patio Cover • 1320 N Corona St, $6,000, Reroof • 5276 Chimney Gulch Way, $19,226 Homeowner, Bsmt. Finish • 150 Panorama Pl. $1,500 Homeowner, Woodstove • 734 Skyline Ave. $1,446 Homeowner, Bsmt. Finish • 4120 Sod House Trl. $4,930 Meyer Roofing, Reroof • 1911 W Colo. Ave. $8,715 Peak Structural, Inc., Eng. Fndtn. Repair • 615 W Brookside St, $7,190 Peak Structural, Inc., Eng. Fndtn. Repair • 723 Greenbush Dr. $14,456 Homeowner, Bsmt. Finish Partial • 7439 Quiet Pond Pl. $5,157 Stewart Const., Co, Deck • 6705 Dream Weaver Dr. $7,006 Front Range Exts., Reroof • 204 W Navajo St, $5,000 Sunrise Plstrg. & Stone LLC., Stucco • 8405 Sutterfield Dr. $12,000 A.w.l. Roofing & Contracting, Reroof • 3275 Pony Tracks Dr. $10,408 Davis Const., Bsmt. Finish • 20 W Columbia St, $6,025 Cornerstone Roofing & Gutters, LLC., Reroof • 711 Westward Ln. $2,025 Western Fireplace Supply Inc, Woodstove • 1005 Evergreen Dr. $6,000 Roof N Exts., LLC., Reroof • 4048 Happy Jack Dr. $1,301 Homeowner, Bsmt. Finish • 3602 Ian Point Ter, $6,000 Century Const. & Sons Ltd., Fire Damage • 58 Goret Dr. $5,200 Faver Roofing, Reroof • 1130 Vondelpark Dr. $4,123 G2 Roofing, Reroof • 209 S Boundary St, $9,000 Waters Const. Co., Inc., Int. Remod. • 6945 Snowbird Dr. $8,000 Roof N Exts., LLC., Reroof • 10913 Torreys Peak Way, $35,070 Homeowner, Bsmt. Finish • 2411 N Tejon St, $10,000 Highlands Roofing, Inc., Reroof • 3545 La Mar Pl. $5,927 Homeowner, Partial Bsmt. Finish • 1114 Kingsley Dr. $200 Homeowner, Int. Remod. • 4 Heather Dr. $50,000 Homeowner, Patio Roof Cover • 17530 Caribou Dr. $35,070 K & E Const., Inc., Bsmt. Finish • 1304 N Tejon St, $9,089 A & I Skyline, LLC., Reroof • 8644 Bohleen Rd, $8,529 North Star Home Impvmt.s LLC., Bsmt. Finish • 2524 Rimrock Dr. $12,000 Smarts Const. Svcs., LLC, Bsmt. Remod. • 208 Holly Dr. $2,000 Homeowner, Int. Remod.

RESIDENTIAL GARAGES & CARPORTS

• 7540 N Peyton Hwy, $118,285 Homeowner, Det. Garage • 2508 Wood Ave. $14,970 S&R Const. Inc, Det. Garage • 3745 El Rancho Way, $25,000 Affordable Views By Rjb Const., Det. Garage

Agency says many are missing out on mortgage savings BY PATRICIA SABATINI  PITTSBURGH POST-GAZETTE

Not enough homebuyers bother to shop around for a mortgage, potentially costing them thousands of dollars in extra payments and closing costs. That’s the word from the Consumer Financial Protection Bureau this week, which at the same time launched an interactive online “toolkit” to help people get the best deal. “Consumers put great thought into the choice of a home, but the mortgage process continues to be intimidating,” the bureau’s director, Richard Cordray, said in a statement. “Shopping for a mortgage can translate into big dollars saved in the long run. We want to enable consumers to be more savvy shoppers.” As an example, the bureau said taking out a 30-year, fixed-rate loan for $200,000 at 4 percent instead of 4.5 percent translates into almost $60 saved per month, some $3,600 over the first five years. Nearly half of consumers do not shop around before applying for a mortgage, according to the initial results of a new survey of borrowers released by the bureau. While roughly half of borrowers do compare rates, 3 out of 4 only apply with

one lender or broker, the survey found. “These consumers are not filling out applications with multiple lenders to see which one can offer the best deal,” the bureau said. To save the most, borrowers should not only compare interest rates, but also loan types, terms, fees known as points and closing costs. The bureau’s online toolkit includes a rate calculator to help borrowers determine what interest rate they’ll likely qualify for based on the same underwriting variables that lenders use on their internal rate sheets. Those criteria include loan type, loan amount, down payment, property value, location and the borrower’s credit score. The package includes sections on understanding loan options — fixed vs. adjustable and conventional vs. FHA — an explanation of closing documents and a closing checklist. In addition, consumers get tips for shopping around, such as getting a quote from at least three lenders and comparing good faith estimates. The initiative is intended to help demystify the mortgage process, the bureau said, “so consumers can have conversations with lenders more confidently.” 

Sunday, Jan 18, 2015

The Gazette · springshouses.com

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Apple senior vice president of Software Engineering Craig Federighi speaks about the Apple HomeKit app at the Apple Worldwide Developers Conference in San Francisco. HomeKit has the potential to bring home automation to everyday consumers. AP Photo/Jeff Chiu, File

FIRST LOOK:

Apple’s HomeKit could help smarten up your home BY ANICK JESDANUNI  THE ASSOCIATED PRESS

LAS VEGAS — Apple didn’t attend last week’s gadget show but its presence was felt. Many companies have designed “smart” home products that integrate with Apple’s HomeKit, an emerging technology for controlling lights and appliances through a mobile app. There are other efforts to unify smart-home devices, but many of them rely on individual partnerships. That approach is slower than simply having everyone use a common set of tools — in this case, HomeKit. SO WHAT IS HOMEKIT? Think of HomeKit as a way to unify smart-home products from different manufacturers. Currently, if Acme Co. makes a light switch, you need to download Acme’s app to control it remotely. Buy a garage door opener from Widget Inc., and you need to use Widget’s app. With HomeKit, companies can integrate their apps into a single software platform that you control from your iPhone or iPad. One note of caution: Companies aren’t required to make rival products work

with their apps; although many say they will, it’s best to check before you buy. Apple itself isn’t making an app, just a platform for integration: all the functionality will come from product manufacturers. WHAT’S THE BIG DEAL? HomeKit’s strength is its ability to group products into “rooms,” ‘’zones” and “scenes.” With one tap, you can turn off every HomeKit product in a room, such as lights and stereos. You can also do that with a group of rooms, or zone. You can even use the Siri voice assistant to control your home. Saying “I feel hot” might prompt Siri to turn on the air conditioner and lower the shade for you. Tap a “party” scene and the stereo and disco lights could turn on while your regular lamps dim. Setting up a “bedtime” scene might involve leaving just the nightlight on, while locking the front door and lowering the heat downstairs. Sure, you can already control a set of lights and appliances by attaching them to a power strip with

an on-off switch, but your options are limited to all on or all off. With HomeKit, you have the option of creating multiple combinations to match whatever ambiance you prefer. WHAT DO YOU NEED? The first requirement is an iPhone or an iPad with iOS 8. (Sorry, Android and Windows users, you’ll need a different system. Google is starting to enable similar functionality through its Nest smart thermostat and smoke detector and Microsoft is trying to enable smarthome controls using its Cortana voice assistant. Of course, if makers of smart-home products enable multiple systems — and some of them plan to — consumers won’t have to worry about which device works with what.) OK. Now you’ll need a HomeKitcapable product; those will start coming out in a few months. HomeKit-enabled products certified by Apple will carry a HomeKit logo. The easiest way to start is with a HomeKit power plug, such as ones

that iHome, iDevices and Grid Connect soon plan to sell for $40 to $80 each. Your appliance hooks into that plug, which then goes into a regular electric outlet. The HomeKit power plug has a HomeKit-certified chipset with a wireless connection to get instructions from the app. Insteon, a maker of more than 200 automated products including thermostats and light bulbs, also plans to sell a hub to make all of its existing and future products compatible with HomeKit. The HomeKit-compatible hub will sell for $150. By contrast, it sells a $40 hub that lets you control Insteon devices through an app, but it won’t work with HomeKit products from other companies. Meanwhile, a garage-door opener from Chamberlain and door locks from Schlage will be enabled for HomeKit from the start, with no need for an intermediary power plug. Elgato’s Eve home-monitoring system will have sensors to measure air quality, temperature, humidity, air pressure, energy and water consumption. Other

products to come will likely include wireless speakers, lamps and security cameras. As you start adding more HomeKit plugs and HomeKit-enabled products, you can define zones and scenes to tap into HomeKit’s power. If you have a third-generation Apple TV streaming device (released in 2012), you can use Siri to control your home from elsewhere. Otherwise, you need to tap on the app and use Siri only when you’re on your home wireless network. THE PROMISE For users of Apple devices, HomeKit will be an easy way to automate your home. Apple says it will review products to ensure they are easy to use and meet its privacy and security guidelines. What will be tougher is outfitting your home with the necessary equipment, especially at $40 or more per plug. But as you replace lights and appliances you can start building a smart home, or just buy HomeKit plugs for the essential things you want automated. 

THE MORTGAGE PROFESSOR:

How can you be certain refinancing will save you money? Introducing the integrated refinance calculator BY JACK GUTTENTAG  THE MORTGAGE PROFESSOR

Despite the recent increase in the growth rate of the economy, interest rates remain stubbornly low. Many mortgage borrowers who to this point have procrastinated in making a refinance decision are wondering whether the market fates are giving them another shot. And some who did refinance earlier are wondering whether they ought to do it again. A critical question for these borrowers is the degree of certainty they can have that a refinance will provide a net benefit. This article discusses three approaches to that question that have emerged over the years, and a new approach introduced here. NO-COST REFINANCE Prior to the new approach, the one that came closest to providing complete certainty of a favorable outcome is to refinance with a no-cost mortgage, one on which the lender pays the upfront costs in exchange for a higher interest rate. If that rate is nonetheless below the rate on the borrower’s existing mortgage, the refinancer is a

winner. You don’t need a calculator to determine that, only the certainty that you are getting a true no-cost mortgage on which the costs are being paid by the lender. There is some ambiguity, however, about which costs are covered. A lender may not include tax escrows and/or homeowner’s insurance in a no-cost mortgage because you must pay those whether you refinance or not. Alternatively, these costs may be covered at a higher rate. Note also one cost you can’t avoid, which is paying interest on two loans for a few overlapping days. That charge, however, is small enough to be disregarded. While the borrower obtaining a no-cost mortgage at a lower rate can be sure the refinance provides a net benefit, borrowers intending to be in their house for a long time might benefit even more if they paid upfront costs to reduce the interest rate. The problem is that in negotiating two prices instead of one, they are vulnerable to being overcharged. On my website, I explain how to shop for competitive offers in

this situation. THE BREAK-EVEN APPROACH The most common approach to determining whether a refinance will be profitable is to calculate a “breakeven period” by dividing the upfront cost of the new loan by the reduction in the monthly mortgage payment. The loan officers who use this approach tell their clients that if they are reasonably certain to retain the new mortgage past the break-even point, the monthly payment savings will exceed the cost, and therefore the refinancer is a winner. Don’t believe it. While this approach is easy to understand and the calculation is simple, it does not take account of changes in the loan balance, interest loss on upfront and monthly charges, and tax savings. Furthermore, on transactions in which the term of the new loan exceeds the period remaining of the existing loan, which is the case when the borrower refinances into a loan with the same original term, the break-even approach has a systematic bias toward making the refinance look

more profitable than it is. To fill the need for an approach that took account of all the factors that affect the profitability of a refinance, Chuck Freedenberg and I a few years ago developed a set of refinance calculators that did exactly that. DETACHED REFINANCE CALCULATORS The calculator Refinancing One FRM Into Another FRM on my website allows users to take account of all the factors that affect the profitability of refinancing a mortgage. These include differences between the old and new mortgage in the loan balance, lost interest, tax savings and mortgage insurance. This calculator assumes that you have only one mortgage and you don’t take any cash out of the transaction. Other refinance calculators are available on my site for borrowers who have a second mortgage or want cash from the transaction. Many other web sites also have refinance calculators, and while some of them use the BEP approach, others are well

designed. All these calculators, however, are “detached” in the sense that the user must input the terms of the new loan. If the user does not know the kind of deal she can obtain in the new loan market, the usefulness of the calculator is limited. INTEGRATED REFINANCE CALCULATOR Recently, my colleagues and I completed the first and only refinance calculator on the Internet that is integrated with a loan pricing network. This calculator uses live price data provided by six competitive lenders to find the cost of each type of new loan, and for users looking to refinance, it finds the exactly comparable cost of retaining the existing mortgage. Hence, this calculator does not rely on guesswork for the terms of a new mortgage. Further, it tells the user not only whether the refinance would save money, but also the type of new mortgage for which the savings will be the largest. 

4SH

The Gazette · springshouses.com

Sunday, Jan 18, 2015

Featured Houses Featured Home of the Week Classic Homes in Meridian Ranch 10483 Mt Columbia Drive | $294,900 Neighborhood: Meridian Ranch Driving Directions: This home is sold from Classic’s model home. I-25, exit #149 at Woodmen. East on Woodmen, past Powers. North at light on Meridian Rd. East on Londonderry Dr. North on Rainbow Bridge Dr. East on Mt Columbia Dr. Right on Mt Lincoln Dr. and model is on the right. Agent/Company: Carolyn Crowley, Classic Homes 719-494-1101, www.classichomes.com The Vail is a 3,430 sq. ft. 2-Story plan offering 4 bedrooms, 2.5 baths, 2-car garage, 10x18 deck off nook, and 10x10 patio off basement rec room. Hardwood floor on most of main level. Expanded kitchen includes built-in desk, designer uppers, slab granite countertops, and stainless steel appliances. Un-finished walk-out basement with 1-foot taller ceilings. 8,958 sq.ft. home site. MLS #6116805

Featured Home of the Week 10882 Glen Canyon Dr. | $329,600 Neighborhood: Meridian Ranch Driving Directions: Right on Meridian Rd off of E Woodmen Rd. Right on Londonderry Dr, left onto Meridian Ranch Blvd, left onto Sunset Crater Dr, 1st right onto Greenbelt Dr, 1st left onto Glen Canyon Dr Agent/Company: Lenka Martin, 719-205-5248, LenkaMartin.com For more info: LenkaMartin.com/HomesforSale 5bdrms/3Baths/3 Car Garage/ 3499 sq ft Open floor plan with hardwood floors throughout the main living areas. Spacious kitchen with generous pantry, and bar stool tops. This home offers main level living with 3 bedrooms, 2 bathrooms, and laundry on the main floor. Large master bedroom w/adjacent 5 piece bathroom (soaking tub, stand-alone tiled shower), and walk out to a rear patio. Spacious finished basement provides 2 additional bedrooms, 1 bath, large living and entertaining areas, and tons of storage. Stucco, AC, fireplace and much more! MLS#4746185

Featured Home of the Week Classic Homes in The Village of Verona 1908 Turnbull Drive | $639,900 - Available Now!

Neighborhood: Flying Horse Driving Directions: I-25 to Northgate Blvd Exit #156; East on Northgate; Right on Silverton Rd; Right on Silver Rose Dr; Left on Turnbull; 1908 Turnbull Drive is on the left corner! Agent/Company: Classic Homes, 719-495-7297, flyinghorse@classichomes.com The 4,614 Stratford Model home is a rancher located on 16,590 sq. ft. lot is fully landscaped and has stucco & stone exterior, a welcoming front porch, and an expanded covered rear patio. It offers 5 bedrooms, 4 baths, and 3-car garage with service door. Kitchen includes large island with pendant lights, canned lighting, upgraded cabinets with undercabinet lights, upgraded granite countertops with tile backsplash, stainless steel undermount sink, and stainless steel appliances. Custom drapes and rods come with this builder model home! And, Social Fitness Membership in The Club at Flying Horse is also included!

Open Sunday, January 18th 2:00 - 4:00 p.m.

7470 Sun Prairie Drive $245,000 Warm Hardwood Floors & Park-Like Yard!

4 Bed/4 Bath/2 Car. Exquisite home with a beautifully designed open floor plan, vaulted ceilings, multiple living areas, stainless steel appliances, and fenced yard. Virtual Tour: www.7470SunPrairieDrive.com

Scott Huger 719-659-2630

More Open Houses Open House of the Week D-12 Skyway Rancher

Open House of the Week Broadmoor Area Condominium

2021 Hercules Drive | $350,000

3133 B Broadmoor Valley Road | $205,000

Hours: 1 – 3 p.m. Sunday, January 18 Neighborhood: Southwest Driving Directions: Corner of Cresta Road & Hercules Drive Agent/Company: Eric Scott, 719-578-8800, Stuart Scott Ltd Group / ERA Shields Real Estate

Hours: 1 – 3 p.m. Sunday, January 18 Neighborhood: Southwest Driving Directions: Hwy 115 to Broadmoor Valley Road Agent/Company: Eric Scott, 719-578-8800, Stuart Scott Ltd Group / ERA Shields Real Estate

5 Bedrooms, 3 Baths, 2 Car Garage, 3505 Sq Ft GRANITE kitchen w/convection oven & down-draft range * UPDATED vinyl windows * BRAND NEW paint & carpet *OVERSIZED two-car garage w/220V plus NEW steel garage door * NEW sixpanel doors * NEW landscaping * NEWLY REFINISHED hardwood floors & back deck * Huge family room w/bay window, fireplace, & built-in bookshelves* Hosted by Irene Larimer, (719) 339-0356

Never a better setting for this spacious, single level w/southern exposure over a huge, private, landscaped lawn. Great room includes a gas fireplace and wet bar opens to welcoming patio with a peek at the snowcapped Rockies* Kitchen passes through to dining area with bay window, and includes refrigerator, trash compactor, Jennair microwave, convection oven and dishwasher*Casement windows*Built-in bookcases*Washer and dryer included without warranty*Fantastic master bedroom dimensions! Humidifier * 24 x 24 garage with plenty of room for your hobbies.

Hosted by Christina Bowen, (719) 351-0991

Open House of the Week

Masterpiece by Petra Homes in Monument

Townhouse in the Gated Community of Pine Terrace

4880 Sandstone Drive | $649,000 Neighborhood: Red Rock Ranch Open House: Sunday, January 18, 1-4pm Driving Directions: Go west onto CO-105 W from I-25. 2nd right to stay on CO-105. Left on Red Rock Ranch Dr, left on Spruce Rd, right on Sandstone Rd, left on Red Rocks Dr, right onto Sandstone Rd. Agent/Company: Sue Myers, ReMax Real Estate Group, 719-209-0364

3735 Hermitage Dr. | $599,000 Hours: 1 – 3 p.m. Sunday, January 18 Neighborhood: Southwest Driving Directions: From behind the Broadmoor Hotel take Penrose Blvd. to intersection to Zoo Road, Old Stage Road & Cheyenne Mtn. Blvd. - Pine Terrace is on the left - follow signs. Agent/Company: Ed Veranth, 719-963-4390, The Real Estate Network, Inc.

5 beds 4 baths 3,559 sq ft. Spectacular home on 1.7 acres nestled among Red Rocks & National Forest in Monument. Considered the heart of the home, the kitchen, with its beautiful Alder Cabinetry, granite counters, custom island/backsplash, custom hardwood floors, and S/S appls is a delight to create and entertain. The space opens to the living room and dining area, each with high ceilings and ample windows that look out to the Red Rocks that are on the property. Master bath w/steam shower & soaking tub. The main level w/private office & laundry area. In the walk-out bsmt you will find 3 bdrms & full bath. Complete with a 3 car finished garage, the home is stucco w/composite roof. Xeriscaped property w/Pike National Forest across from the home.

Experience the feeling of elegance, volume & space as you enter the main double doors into the Great Room of this spacious residence. 16’ vaulted ceilings, 3 fireplaces, built-in book shelves, main level master suite & main level guest suite or a great office. Gourmet kitchen w/gas cooktop, granite counters, 4 bedrooms, 3 baths, 2 family rooms over 4700 sq. feet, 2 zoned furnaces, large deck & views of the famed “39 Pines”. Don’t miss this beautiful residence.

Featured Open House

Breathtaking Mountain & City Views!

Darling starter home in MONUMENT!

1125 Bayfield Dr. | $430,000 Neighborhood: Southwest Open House: Saturday, January 18, 1 - 4PM Driving Directions: From 115 and Cheyenne Meadows, turn east on Cheyenne Meadows, make a left on Bayfield Drive Agent/Company: Trish Ingels, Berkshire Hathaway 719-331-7819, trish@gloriod.com

Enjoy main level living with wood floors and finished walk-out basement with theatre room. Very open floor plan with 4 bedrooms + study, 4 baths, 3,484 square feet, 2/3 car garage. Beautiful kitchen with huge island, granite counters, stainless steel appliances, built-in expresso machine and cherry cabinets! 2 rooms open to fabulous trex deck with mountain and city views. Backs to open space!

1464 Red Mica Way | $199,000

Hours: Sunday, January 18th 12-1:30 Driving Directions: Take I-25 to CO-105 E in Monument. Continue on CO-105 E. Take Knollwood Drive to Red Mica Way in Woodmoor. Agent/Company: Lori Jones, 719-592-9700, Cliff Johnson Realty Inv. Co., Local Listing Broker for Pemco, Ltd. Asset Manager for HUD. HUD Home Sold As-Is. FHA Case # 052-551245 Sponsored by LeaderOne Financial Corp

Just Listed! Darling starter home in MONUMENT under $200,000! 3 bedrooms + loft, 2-1/2 baths, 2-car garage. Open living/ dining/kitchen area w/walkout to backyard and patio. No neighbors behind you and mountain VIEWS! Bids are due soon, so don’t miss out! 719-337-3955.www.hudpemco.com or www.1464redmicaway.com

PALMER DIVIDE RD. Sunday, Jan 18, 2015

105

The Gazette · springshouses.com

SH 5

Pikes Peak New Homes 105

HIGBY RD.

HODGEN RD.

2 SHOUP RD.

Gated Westside Neighborhoods • Custom-Semi Custom Homes • Energy Star 3.0 Certification • Nine Exceptional Floor plans Available • Diverse Selection of Home sites – View Lots and Golf Course Lots now available.

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Desirable Wolf Ranch 3BR, 2½ Bath, 2 Car Garage $187,000 - $229,900

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8989 Meadow Rose View • Award Winning Builder East on Research past Powers, • 3 Floor Plans including left on Grand Cordera Parkway Main Level Master Sales Office on your left • JMWestonhomes.com 719-571-9737

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www.gjgardnerfalcon.com REIMAGINE YOUR REIMAGINE YOUR $100s 719.495.8800 SQUIRREL CREEK RD. Fountain DREAM LIFE LIFEHOME. SIMPLIFIED. SIMPLIFIED. DREAM HOME. 11405 Neutra Grove

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A low A low maintenance maintenance community community connected connected by by green green spaces spaces andand walking walking paths, paths, justjust minutes minutes from from downtown. downtown. Charming Charming architectural architectural styles andand floor floor plans plans thatthat fit any fit any lifestyle. lifestyle. 11styles

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Highest quality construction with exceptional detailing and amenities are standard with a home built by Oaksbury, Inc. Custom Home Builder in Colorado Springs for over 23 years.

Models 25 open daily until 6pm

Aaward-winning lowaward-winning maintenance community connected by green spaces and A low maintenance community connected by green spaces and Featuring Featuring 4 local, 4 local, builders: builders: minutesCharming from downtown. Charming architectural walking paths, justwalking minutespaths, from just downtown. architectural CreekStone, CreekStone, Hi-Point, Hi-Point, JM JM Weston, Weston, and Vanguard Vanguard Homes. Homes. styles and plans thatand fit any lifestyle. styles and floor plans that fitfloor any lifestyle. Featuring 4 local, award-winning builders: Featuring 4 local, award-winning builders: • •Townhomes Townhomes from from thethe $180s $180s to $230s to $230s and and REIMAGINE YOUR CreekStone, Hi-Point, JM Weston, and Vanguard Homes. CreekStone, Hi-Point, JM Weston, and Vanguard Homes. single single family family homes homes from from the the $260s $260s to $500s. to $500s. DREAM HOME. • Townhomes theand $180s to $230s and • Townhomes from the $180s tofrom $230s LIFE SIMPLIFIED.

single homesto from thespaces $260sand to $500s. single family homes fromfamily the $260s $500s. A low maintenance community connected by green walking paths, just • •Models Models open open daily. daily. minutes from downtown. Charming architectural sytles and floor plans that fit any lifestyle. LIFE SIMPLIFIED. A low maintenance community connected by green spaces and Featuring 4 local, award-winning builders:

• Models open daily. paths, just minutes from downtown. Charming architectural • Models open daily. • Antler creek Golf Course and CreekStone, Hi-Point, JM walking Weston, and Vanguard Homes styles and floor plans that fit any lifestyle. CreekView Grill • Townhomes from the $180s. Family Homes from the $260s. Featuring 4Single local, award-winning builders: I did a quick mock-up of what we would like to do CreekStone, Hi-Point, JM Weston, and Vanguard Homes. for our ad on the builder p • Models open daily. • New homes from the low North on Woodmen Rd., east on WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM to the $500s • Townhomes from the $180s to $230s and WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM Londonderry Dr. and follow the $200sweekend. I noticed that some of the ads have the single family homes from the $260s to $500s. image across the top instead

RD.

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New Lots Available in Settlers Ranch. Highway 83, east on Hodgen Rd. to Timber Meadow Dr. Turn left.

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signs to builder models.

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INFO@GOLDHILLMESA.COM 719.633.2202 719.633.2202 INFO@GOLDHILLMESA.COM INFO@GOLDHILLMESA.COM 719.633.2202 719.633.2202 INFO@GOLDHILLMESA.COM upper left corner, so this should work. Please send a proof of the ad. Thanks! • Models open daily.

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HANOVER RD. 5 9

11 • Model Home-“Upgrades” already included • Main Level Living with Private Master Suite • Loft overlooks Great Room • Open Concept 2 Story • 3 Bed, 2.5 Bath, 2 Car Garage • Desirable Gold Hill Mesa-Close to Trails, Downtown, and Parks

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Kingsbridge Available Now with Views! 2016 Turnbull Drive $439,972 Open Sat & Sun 1-4 Kelly Price 719.650.1778 Kelly@VanguardNewHomes.com

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Vanguard’s Model Home Available for Quick Move In! 1585 Gold Hill Mesa Drive

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YourCareer

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The Gazette · springshouses.com

Sunday, Jan 18, 2015

SPOTLIGHT:

CTU celebrates 50 years of pioneering industry relevant education

OPEN HOUSE Computer Science and Information Technology 5:30 pm Wednesday, January 21 Colorado Technical University, 4435 North Chestnut St., 80907 www.coloradotech.edu RSVP: Tyler Graham, Dir. of Admissions 719.590.6885

BY LESLIE MASSEY SPRINGSJOBS.COM

Computer sciences and information technology are part of almost every facet of modern life. For decades, the industry has experienced rapid growth and, as businesses and individual consumers continue to increase their use of information technology systems, the demand continues to flourish. However, successful tech companies have to stay ahead of the curve in a constantly evolving industry. To do that, only personnel who will be innovators and leaders of their field, will keep these companies at the forefront. This year Colorado Technical University is celebrating their 50th anniversary of being a pioneer in hightech education, thanks to focusing on industry-relevant degree programs that meet both the needs of students as well as employers. “Computer sciences are the cornerstone of our school,” said Yanzhen Qu, Ph.D., Professor and Department Chair-Computer Science and Information Technology at Colorado Technical University. “We are always looking for ways to modernize, further improve, and introduce new

concentrations for leading-edge education.” According to Qu, CTU is known within the industry for being a leader in modern and adaptive education in computer sciences and information technology. “We offer programs that are more customized to career needs rather than general education,” Qu said. In fact, a recent analysis by U.S. News and World Report, Colorado Technical University (CTU) in Colorado Springs, was ranked highest in the state for online master’s information technology programs, and 18th nationwide. “The Computer Sciences program teaches students the knowledge and skills required to create software systems and services, such as the software design, development and testing methodology, process and technology required for the job of software engineer,” said Qu. “Although Computer Science program is quite challenging and also career-rewarding, it may not be suited for everyone. Because of this, CTU’s Information Technology (IT) program has a larger population of students.”

Information Technology (IT) is the other side of the Computer Science and IT curriculum offered by CTU. “The intention of the IT program is to prepare students with the knowledge and skills required to operate and support the systems and services required for the business’ daily operations,” Qu said. “This degree program centers on network management, security management and database management.” A range of concentrations within the IT program are offered through the CTU. Regular updates to such courses is an essential key to CTU’s success. “We review our curriculum about every six months to make sure we are staying on the forefront of what the market needs,” said Qu. CTU students come from a variety of ages and backgrounds either looking for a career change or because they are aware of industry advances and want to enhance their career potential. Currently, CTU has experienced high demand in programs focusing on cloud computing and mobile computing. “These courses are hard to find anywhere else,” said Qu, “so we find

these classes fill up very quickly every time.” With laptops and desktops gradually becoming obsolete, mobile computing and cloud computing are rapidly growing and evolving fields. “Instead of you going to your computer, now your computer goes with you,” said Qu. “This is very different technology than the traditional programming,” Another rapidly growing area of focus, big data analytics, is influencing new types of systems and technologies. CTU’s Computer Science and Information Technology curriculum was clued-in and offering this program ahead of most other schools. Two years ago at a conference of industry-related professionals, a representative from IBM asked if any schools were teaching big data analytics — Qu was the only one to raise his hand. “IBM was interested in hiring one thousand people in big data analytics,” said Qu. “After searching globally, they were only able to locate 183. Qualified employees are in very short supply and typically have a starting salary around one-quarter of a million dollars.” Belinda Nichols, Director of Career

DO YOU HAVE WHAT IT TAKES? If you want to succeed in today’s IT industry, you need a solid tech foundation. But that’s just the beginning. To become the well-rounded IT professional the industry demands, it takes: • Strategic Problem Solving • Business Acumen • Confidence to Lead At Colorado Technical University, our Information Technology and Computer Science degrees give you what it takes to make the next step in your IT career.

Call: 719.598.0200 Visit: coloradotech.edu /colorado-springs 4435 N. Chestnut Street Colorado Springs, CO 80907

Find employment rates, financial obligations and other disclosures at www.coloradotech.edu/disclosures. Not all programs are available to residents of all states. CTU cannot guarantee employment or salary. 801-0837070 0525307 1/15

Services, agrees that mobile and cloud computing, along with big data analytics are common topics among students visiting her office. “Another popular field,” she said “is Information Systems Security,” said Nichols. CTU was the first college in Colorado Springs to achieve the Center of Excellence accreditation from the Information Systems Security Association (ISSA) in 2005, and was just re-accredited in 2014. Information systems security analysts develop and perform security measures that will protect an organization’s computer networks and systems. CTU’s goal is to continually advance their programs and provide the highestquality education. “All of our students are very career-oriented,” said Qu. “We strive to be a launch pad for their new careers.” Come to the Colorado Technical University Open House to meet Dr. Qu and learn more about educational opportunities in computer science and information technology. For more information about CTU and its degree programs, visit www.ColoradoTech.com or call 866-942-6555. 

Sunday, Jan 18, 2015

The Gazette · springshouses.com

SH 7

Teller-Personal Banker Due to recent promotions within our bank system, we have an immediate need for Teller-Personal Banker positions in our Colorado Springs locations.

positions available in Williston, ND

We are searching for positive, initiative-driven, customer-minded team players to join our team.

positions available in Williston, ND

Qualified candidates will have extensive customer service and communication skills, as well as cash handling experience. Must have strong computer and organization skills in addition to possessing abilities to multitask and be detail oriented. Prior sales experience is a plus. A college degree may be substituted for experience however we will train the right person. Flexibility to travel between our region locations is a must. Professional appearance required. We offer an excellent benefit package and starting wage.

For a complete description of the position and to apply, visit our Careers link at www.abtbank.com and select the Financial Services Rep position.

EOE

START YOUR DAY WITH EXTRA PAY!

Newspaper delivery contractors are needed in these areas: • Briargate • Broadmoor

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positions for both the Greely, CO and Cast, WY area The best in benefits, hourly pay, vacation pay, holiday pay, and local work. Be &a triples part of something Class A CDL, hazmat with doubles endorsement, and 2new! years verifiable driving experience req. Stable and Growing in the Energy Business Class A CDL, hazmat with doubles & triples endorsement, and 2 years verifiable driving When it comes to dependable long term work, Gibson offers more! Be more thanexperience a number!req. Class A CDL, 2 years driving experience, When it comes to dependable long term work, Gibson offers more! Be more than a number! hazmat and tanker endorsement required. HOURLY PAY! Starting pay at $24.50 PLUS overtime! HOURLY $24.50 PLUS overtime! Minimum 50PAY! hoursStarting per weekpay plusatbenefits. Flexible Schedules! Minimum 50 hours per week plus benefits. Flexible Schedules! Gibson will provide housing while working in Williston area Gibson willplus provide housing while working in Williston area transportation. Call for more details! Be a part of something new!details! plus transportation. Call for more

EOE

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ARE YOU TALENTED, INNOVATIVE AND COMMITTED?

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Positions we are recruiting for: R.N. L.P.N. Date: Proof Time: Home Oct 03 2014 04:05PMC.N.A. Care Personal Care Worker Brain Injury Specialist Administrative Support Case Manager

Please check this proof immediately for approval or correction. If this proof is correct as submitted, it should be signed, dated and sent back. If corrections are necessary they should be clearly indicated and sent back.

Please visit www.rmhcare.org to learn more.

EOE

8SH

The Gazette · springshouses.com

Sunday, Jan 18, 2015

Call to subscribe

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SCHOLARSHIPS for for adults adults (you). (you). Not based Not based on on high high school school grades. grades.

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We are GROWING creating more opportunities! Please visit our website for a full list of job openings. Job details & apply online at:

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Now Hiring Customer Service Representatives Walk-ins Welcome 8:30am - 4:00pm Mon - Fri

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Visit Us Online at:

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Heuberger Subaru is expanding and hiring! We consistently sell and service more vehicles than any dealership in Colorado. Apply if you are looking for full time work with a growing company that can provide great benefits, overtime and a stable working environment. This isn’t seasonal, this is full time (40+ hours per week). All applicants must pass drug, alcohol, background, insurance and motor vehicle screening. This is a position where you will be driving company and customer vehicles, so these checks are necessary. Vehicles are automatic and manual transmissions, you must be able to demonstrate you can drive a manual transmission without difficulties. Job duties include (but aren’t limited to) driving vehicles throughout Colorado to customers and business locations, deliver paperwork to businesses and customers, cleanup of new and pre owned vehicles, etc. This is a full time position that typically includes overtime, Benefits include paid vacation, holiday pay, paid sick time, medical and dental benefits, 401k, etc. Uniforms are provided, applicants are expected to have a well groomed appearance as they will be dealing with customers and are representing Heuberger Motors, Inc. Rotating and semi flexible schedule of 5 days each week to include some Saturdays. We are looking for 7+ individuals who are friendly, have some social and communication skills, and want to work full time. Company vehicles are used during all driving duties Heuberger Motors has been in business since 1970.

Apply in person at 1080 Motor City Dr, ask for Cole Collins BESTBUYSUBARU.COM Healthcare Healthcare

Committed to the Community we Serve. Twitter.com/ heubergermotors

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jobsatxerox.com/colorado-springs-cos EOE M/F/Disability/Vet

Come join our team and help us make a difference in people’s lives. For 34 Come join our team and help us make a difference in people’s lives. For 34 years, Pikes Peak Hospice years, PikesCare Peak Hospice & Palliative Care a for community & Palliative has been a community leader providing experthas end ofbeen life care all that need ourleader providing careasfor all our that need We see services. Weexpert see every end day of of life life as precious we help patients andour familyservices. members celebrate it to theday very end. Our commitment beginsas with ourhelp exceptional andand their family dedicationmembers to our every of life as precious we our employees patients Mission. it to the very end. Our commitment begins with our exceptional celebrate employees and their dedication to our Mission. Positions at Pikes Peak Hospice and Palliative Care are an exciting opportunity for passionate persons interested in bringing their excellent skills and abilities to further enhance our Mission by performing

Positions at Pikes Peak Hospice and Palliative Care are an exciting a broad range of activities for our organization. opportunity for passionate persons interested in bringing their excellent CURRENT POSITIONS skills and abilities to further enhance ourAVAILABLE Mission by performing a broad range of activities for our organization. NURSE PRACTITIONER, PALLIATIVE

CURRENT POSITIONSAVAILABLE AVAILABLE CURRENTNURSING NURSING POSITIONS Mon-Fri - 40 Hours/week with On Call assignments

The Nurse Practitioner is responsible for the evaluation and treatment of patients in our home-base palliative Registered Nurses consultation service program, while functioning within the guidelines and requirements of the Colorado State Board of Nursing for Advance Practice. RN-PRN-On-Call The Nurse Practitioner collaborates closely with the physicians, – Midnight to 8:00 am nurses and other professionals of Pikes Peak Hospice & Palliative Care

RN INPATIENT/OUTPATIENT FT/PT & PRN

CARE team TEAM COORDINATORS Collaborate with an interdisciplinary of professionals to meet the goals of hospice Registered Nurse patients and their families. Ideal has experience providing expert and 2 F/T, 2 candidate P/T – Rotating weekends specialized care to hospice patients. Work with the IDG which includes a consulting Physician, Nurse Practitioner, CNA, Chaplain, Volunteers for The Care Team Coordinator coordinates patient related services andCounselor, collaborates with and all Interdisciplinary Groupcaring (IDG) members as neededin to their ensure homes, that superioratcare is provided patients and Assisted families. The Care Team Coordinator hospice patients Long TermtoCare and Living facilities, and the reviews the accuracy and completeness of patient medical record documentation to use in the creation of an Pikes Peak Hospice Unit at Penrose Hospital. individualized plan of care for assigned patients. The Care Team Coordinator is a member of the IDG and provides clinical support to the operation of our HC/LTC/ALF teams by triaging patient and family needs CARE TEAM COORDINATORS

Registered Nurse Registered Nurses FT &PT – RN-FLOAT-32 Rotating weekends RN-PRN-On-Call – Midnight to 8:00 am

The Care Team Coordinator coordinates patient related services and collaborates with RN-PRN-FLOAT all Interdisciplinary Group (IDG) members as needed to ensure that superior care is Collaborate an interdisciplinary team of professionals to meet the goals of hospice patients and their families. Ideal and provided towith patients and families. The Care Team Coordinator reviews the accuracy candidate has experience providingmedical expert and specialized to hospice patients. Work with the which includes a of an completeness of patient record care documentation to use in IDG the creation consulting Physician, Nurse Practitioner, CNA, Chaplain, Counselor, and Volunteers caring for hospice patients in their individualized plan of care for assigned patients. The Care Team Coordinator is a homes, at Long Term Care and Assisted Living facilities, and the Pikes Peak Hospice Unit at Penrose Hospital. member of the IDG and provides clinical support to the operation of our HC/LTC/ALF teams by triaging patient and family needs COUNSELOR

(Minimum Education: Masters’ Degree at: In Social Work or Counseling. Apply Preferred License: LSW, LCWS, or LPC) www.pikespeakhospice.org PRN FLOAT-ON-CALL Monday nights & 1st and 3rd weekends

Email/fax resume to:

The Counselor performs professional work in planning and coordinating supportive services to hospice patients and their jobs@pikespeakhospice.org families; acts as a patient/family advocate with outside agencies/personnel to assure maximum care is received. or (719)457-8140 Promotes ethical practice by and within the organization. The Counselor is a member of the Interdisciplinary Group. CERTIFIED NURSES ASSISTANTS Float – 32 hrs. per week, rotating weekend Pikes Peak Hospice at Penrose Hospital – 24hrs., Nights 8 hrs/day (1ST wk: Mon., Tues., Sat. & 2nd wk: Sun., Thurs., Fri.)

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