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SPOTLIGHT: SOLID ROCK CUSTOM HOMES
Building all that is home COURTESY OF LAIN AND BARBARA CHAPPELL OWNERS, SOLID ROCK CUSTOM HOMES
A home is more than a structure. The world is vast, its square footage nearly unfathomable. Your land is not only precious, it is yours. Your forever home and the land beneath is more than property, it’s a piece of yourself. A beautiful place on this earth to pass down to your generations. Your land and the home that graces it is your earthly footprint; it represents all the elements of yourself; your story. One of the most beautiful things about building a home is discovering all the ways for it to tell that story — expressing your narrative through structure and design. It’s not just about decorating using your treasured photos and displaying your keepsakes on the mantle, it’s about truly integrating yourself and who you are into every line on the blueprint and every selection from the ground up. Do you have a favorite travel destination, a place that brings you pure joy and ignites the happiest of memories? Integrating keepsakes and ideas from your travels into your home adds to its tranquility. Your collection of tile from your favorite shop in Santa Fe can make for a colorful and unique mural around your fireplace. Your love of French architecture can influence your own home’s design, from the flared eaves to the arched doorways and multi-paned windows. Is your passion for cooking? You can build the gourmet kitchen of your dreams, a kitchen that would inspire Julia Child herself. Every design element, structural decision and style choice is yours. And, you’ll have the Solid Rock team walking with you as your source for guidance, support, and the expertise to make sure you get exactly what
you want. Every angle of your home is designed for you and your family. Whether you already own a piece of land and are ready to build your fully custom home, or are planning and saving for your future forever home — Solid Rock Custom Homes can help you with every stage of the building process. They will help you create a space that is physically, emotionally, and spiritually yours from the memento you choose to build into the foundation, to the heirlooms, artifacts, and artwork you decide to incorporate into the design. A truly custom home is structured from ideas; concepts that are born from your hopes, your dreams, and happiest memories. A custom home represents who you are; a unique place to live, to work, and to inspire. Solid Rock Custom Homes is a family-owned and operated business in Colorado Springs that understands that each home is a pathway to helping their clients build their futures and they pride themselves on “building extraordinary homes that bring family and friends together.”
For over 21 years Solid Rock Custom Homes has been in the business of building and remodeling. Their focus is on high-end, fully custom homes throughout the Pikes Peak region. They are dedicated to building projects that reflect the unique personalities and lifestyles of their clients. Their homes are entirely custom — from design, selections, measurements, and amenities. The Solid Rock team will walk with you as you create the most unique, one-of-a-kind home that reflects the most important parts of you and your family. Your home should be filled with brilliant products, ideas, and structural elements. Yet, what’s most important is much more than that. No matter what stage of the custom-building process you find yourself in, don’t forget that which makes a home truly unique and awe-inspiring, yourself. A home is more than a structure; your home is you. Begin your journey today by visiting www.SolidRockCustomHomes.com or calling 719-494-0932. ■
Introducing Sanctuary Pointe. A pristine community nestled in the trees along the western edge of the Black Forest. Baptist Road & Sanctuary Rim Drive - Monument, CO
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The Gazette ¡ springshouses.com
Sunday, Mar 5, 2017
Sunday, Mar 5, 2017
The Gazette · springshouses.com
THE MORTGAGE PROFESSOR:
Consider life expectancy in planning comfortable future BY JACK GUTTENTAG TRIBUNE NEWS SERVICES
Age 62 is a good time to take stock of where you are financially and where you are going. You become eligible for social security at 62, though it may or may not be to your advantage to begin drawing it then. You are just a few years away from being eligible for Medicare. And if you own your home, you become eligible for a Federal Housing Administration-backed reverse mortgage at 62. In counseling seniors who are involved in this process, I often encounter novel situations that force me to think about issues I never thought about before. One such issue recently arose in connection with a senior seeking my counsel on his retirement game plan. The issue was whether the expected life of a retiree affects a retirement plan. The retiree who consulted me is now 61, his spouse is 62, and he is planning to purchase a home in a warmer state. He has liquid assets about equal to the price of the home he is planning to buy, he plans to draw social security at 62, and has two small pensions, one terminating in 10 years, the other in 20 years. He had given no thought to a home equity conversion mortgage, or HECM, as the FHA calls its reverse mortgage program. My view is that any homeowner whose retirement is not 100 percent secure can potentially profit from a HECM. While no two retirement plans are exactly alike, the HECM is extremely flexible and can be adapted to a wide variety of financial needs. Hence, I explained to the retiree the various ways in which a HECM might strengthen his plan.
Minimize cash outlay on home purchase
He could use the HECM to finance the home purchase, minimizing his cash drain. But his liquid assets generate very little income, which means that liquidating them to purchase the house would be more cost effective than taking a mortgage of any type. Further, when a HECM is used to minimize the cash drain on a house purchase, no borrowing power remains in later years for any other use. I recommended against this use of a HECM.
Permanent income supplement
He could use the HECM to draw a fixed monthly payment for as long as he lived in the house. I recommended against this use of a HECM as well because his income needs aren’t expected to be uniform over time. He may want more income in the first eight or nine years of his retirement so that he can defer taking social security, or his need might peak in 10 or 20 years when other income sources go away.
Temporary income supplement
He could use the HECM to supplement his income until he hits 70, allowing him to defer social security payments until then, at which point the payment amount would be substantially larger. I recommended this use of the HECM. If the temporary income supplement needed by the senior does not exhaust his HECM borrowing power, the HECM would be available for other purposes later on.
Reserve against future income decline
Because his pensions terminate after 10 years in one case, and after 20 years in the other case, the borrower risks a significant decline in income at those times. A HECM used to offset such declines in income would be taken as a credit line that is allowed to grow unused until it is needed. The line will grow at a rate equal to the mortgage rate plus the mortgage insurance premium rate. I also recommended this use of the HECM. Whether the HECM could provide both a temporary income supplement and a reserve against future income declines depends on how much is needed for each use. In response to my recommendations, the senior gave me another piece of relevant information. He said that no one in his or his wife’s family have lived to be very old. “Rarely does anyone in the family get to 78,” he said. How should that affect the retirement plan? For one thing, it upended the decision on when to take social security. If someone of 61 does not expect to live to 78, they should take social security at 62 because the higher payment at age 70 would not last long enough to offset the years of zero payments. Hence, I retracted my recommendation for using a HECM to provide a temporary income supplement, since the purpose of the supplement was to enable the senior to delay taking social security. A short life expectancy also means that the senior will probably die before his pensions terminate, which would mean that a reserve against future income declines consisting of an unused HECM credit line probably would never be used. That is not a reason to avoid a HECMbased reserve, however, because the reserve might be needed, even though the probability is low. No retiree wants to live with even a small risk that they can become impoverished by living too long. The HECM credit line reserve is insurance against that risk. The cost, if the line is not used, is the small HECM loan balance, which would be deducted from the house sale proceeds that accrue to the borrower’s estate. ■
SH 3
Selley receives Platinum Service recognition NEWSWIRE
Cherise Selley of Selley Group Real Estate, LLC in Colorado Springs, CO has repeated the previous year’s achievement of being granted the highest level of service achievement in the real estate industry, Quality Service Certified Platinum. The award is in recognition of earning 100 percent client service satisfaction in 2016 as measured by Leading Research Corporation (LRC). A Quality Service Certified (QSC) award status is the only recognition in the real estate industry based on independently validated customer satisfaction survey results. After the conclusion of real estate transactions, clients of QSC agents receive a survey, asking them to rate the agent on various aspects of the service process. The surveys are administered and the results are received and compiled by LRC. Client feedback from the surveys becomes part of the agent’s credentials. An overall satisfaction rating is displayed on the consumer website (www. RatedAgent.com) where buyers and sellers have the ability to select a real estate professional based upon each agent’s validated record of service satisfaction. “Nothing is more important to a prospective client in selecting a professional than the service results achieved with past clients,” says Larry D. Romito, President and CEO of QSC. He adds, “Consumers have greater confidence in service reliability, results and satisfaction with a Quality Service Certified real estate professional because they know that the agent’s service record has been validated by an independent third party. 100
Cherise Selley
percent service satisfaction record like Cherise Selley has achieved is just awesome.” ABOUT QUALITY SERVICE CERTIFICATION, INC. (QSC) Quality Service Certification, Inc., based in San Juan Capistrano, California, is recognized as the real estate industry’s earliest advocate and the leading provider of independently administered customer satisfaction surveys. With nearly a 20 year history and over one million post-closing surveys sent, QSC’s unique “closed” survey process ensures that consumers access legitimate reviews from actual home sellers and buyers reports on past customer satisfaction. QSC is the only source for objective and validated agent ratings designed to help consumers make informed choices in selecting real estate professionals. For more information contact QSC at 888-547-4772. ■
Featured Houses Featured Home of the Week STUNNING CUSTOM HOME ON 2.23 ACRES 5530 Sky Meadow | $474,900
Neighborhood: Wolf Ranch Driving Directions: From Powers Blvd & Woodmen, head North on Powers, enter Wolf Ranch at Powers at Research (Right/East on Research), first left on Cordera Pkwy, first right at Sky Meadow Dr. Agent/Company: Lenka Martin, (719)205-5248 For more info: Lenka@LenkaMartin.com
5 bdrms + loft /5baths/2 car garage/ 3955 total sq ft/3530 finished sq ft. Amazing model home with tons of upgraded features now for sale. Main level living with spacious master suite on the main level. Two bed, two bath and loft upstairs. Two bed, bath, rec room and game room in the basement. Kitchen has large island, designer cabinets, granite countertops, and chef’s stainless steel appliances. Open floor plan, kitchen flows into dining and then great room, making the main level perfect for entertaining. Vaulted ceilings and gas fireplace in great room. Additional features include Air Conditioning, humidifier, 50 gallon water heater, 90% energy efficient furnace, water saving plumbing fixture; hardwood, stone, and tile surfaces, and much more. This home is part of the Wolf Ranch community with many amenities such as rec center, pool, trails, parks, dog park and open spaces. Close to shopping, dining, hospitals, and D-20 schools. Low maintenance services included part of the HOA dues. CAN BE SHOWN EASILY, BUT BY APPOINTMENT ONLY. See video Tour- https://youtu.be/GKwyFwpFrbA
More Open Houses Featured Open House
Featured Open House
Beautiful Remodeled Home
Unique Raised Ranch in Skyway Park Estates D12
6396 Galway Dr. | $399,000
Hours: March 5th 1:00 – 3:00pm Neighborhood: Pulpit Rock Driving Directions: Take Academy north to left on Dublin, left on Dewsbury, right on Galway Dr. Agent/Company: Kim Goodman, 719-684-3582 Nicholas Scott Real Estate
This home backs to a beautiful view of the mountains, with beautiful mature trees and less than 5 minutes to I-25. Extensively remodeled home perfect for indoor and outdoor entertaining. Open floor plan with beautiful 3/4 hardwood floors, Pella Windows, stunning kitchen w/granite counter tops, and stunning back splash in the kitchen.
2201 Hercules Dr. | $429,900
Hours: Marach 4-5 10 am-4 pm Neighborhood: Pikes Peak Driving Directions: Cresta Road to Hercules Drive. On the corner of Hercules Drive and Orion Drive. Agent/Company: Tiffany Canady, 719-999-5789 Premier Real Estate Group-The Canady TEam
5 bed, 3 bath, 2 oversized car. Over 3,000 sq ft raised ranch on Skyway Park Estates in District 12. Open floor plan, oversized windows with view of spacious backyard and deck, lots of potential.
Featured Open House
Featured Open House
District 12 Stunning 2 Story Home on Quiet Peaceful Lot
FORMER MODEL HOME IN D-20
4118 Hampshire Pl | $494,000
Hours: Sunday March 5th 1-3pm Neighborhood: Broadmoor Bluffs Park Driving Directions: HWY 115 to Star Ranch Rd, To Broadmoor Bluffs, Rt. On Royal Oak, Left Turn on Hampshire Pl, Go to the very end of the Street. Agent/Company: Janelle and Mark Potter, 719-337-9121, PotterPartners.com
Beautiful New Slab Granite, Upgraded Kitchen, 4 Beds, 4 Baths, 3 Car Garage 4707 Sq.Ft., 2 Composite Decks, 3 Fireplaces, Tons of Storage, Enlarged Master Suite, His and Hers Walk-in-Closets, Beautiful Loft Overlooks the Extended Recreation Rm, Guest Suite with Newly Remodeled Guest Bath. Close to Shopping, D*12 Schools and Ft. Carson. Come Take a Look, Ready to Move and Quick Close, Sellers will Look at All Offers.
8318 Regiment Ct | $424,900
Hours: sun Mar 5th 11-3pm Neighborhood: BRI Driving Directions: North Academy to Jamboree, right on Parliament, left on Regiment. Agent/Company: Jan Cass, 719-648-5554 ReMax Properties
“Formal Model! Stunning ranch with 3 bdrms, 3 baths, gourmet kitchen with granite counters, double ovens, custom backsplash, hardwood floors, great room with cozy fireplace, master on main level with 5 piece bath, office (easily converted to 4th bedroom) and a large walk out deck with gorgeous mountain views. Finished basement with large wetbar with wine cooler, two bedrooms and a full bath, garden level windows for lots of light and family room area for entertaining, pool table or kids play area. Large unfinished area in basement for storage or can be finished for home theater or gym. D20 schools”
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Sunday, Mar 5, 2017
Careers The Gazette · springshouses.com
SH 5
Things you can do to improve your career in 10 minutes or less BY ELANA LYN GROSS MONSTER.COM
You’ve got 10 minutes before your next meeting — or class, or episode of Westworld. You could blast out a few sets of crunches so your abs will be ripped by bikini season; scroll aimlessly through Snapchat; Facebook-stalk your ex; or watch puppy videos on YouTube … Or, you could do something quick and painless to improve your career. Believe it or not, there’s a lot you can accomplish in 10 minutes. Monster spoke with experts to find their top ways to boost your career and job search success in less time than it takes to make a bowl of pasta.
PLAN YOUR DAY
You do it before a yoga class, why not on the way to work? Set your intentions. On your way to work, school or your internship, take the time to prioritize your to-do list. Dennis Geoghegan, founder of the professional development site Expert Program Management, recommends asking two questions: “Are there any easy wins I can accomplish today?” and “What is the number one thing I need to do today?” “These two questions should only
In less time than it takes to fold your laundry, you can be making strides in your career. take a couple of minutes to answer but will help you deliver real results in your current role, boosting your career progression,” says Geoghegan.
READ INDUSTRY NEWS
“Too often, professionals do their jobs in a vacuum and fail to regularly see how they fit into the big picture,” says Lori Scherwin founder of the New York-based career coaching company Strategize That. “You’ll be better informed and geared up if you have an understanding of the factors driving your industry or what challenges may be on your bosses’ — or their bosses’ — minds,” she says. She recommends reading trade
publications, industry-specific articles and articles relevant to your role. To make it super-easy, set Google alerts for the ones you think are most useful, or create a Twitter list so you can quickly scan the most relevant headlines in a flash.
EMAIL SOMEONE IN YOUR NETWORK
“It takes less than five minutes to send an email saying hello and ask how they are doing,” says Scherwin. “This way, you’ll be more connected and more comfortable reaching out again in the future if you do need something — it’ll feel more natural,” she says.
“It is very likely that your boss has little more than a vague idea as to how busy you really are and what you are either working on or have accomplished,” says Roy Cohen, a New York-based career coach. “If you wait till your annual performance review, he or she may have already formed an impression that is reflected in both your salary increase and bonus. And the numbers may not match what you believe you deserve.”
CREATE YOUR ELEVATOR PITCH
“Your elevator pitch is what you will say to describe yourself and your background to networking contacts and employers,” says Cheryl Palmer, founder of the D.C.-based careercoaching firm Call to Career. Your elevator pitch should be concise, persuasive and something that you can repeat with ease. Once you’ve honed it, Palmer recommends recording yourself so you can hear how you come across, and make changes so you sound genuine and conversational instead of rehearsed and robotic. ■
The Broadmoor Career Fair Monday, February 13th from 11:00AM-5:00PM Located in Colorado Hall 24 1st Street, Colorado Springs
If you only reach out to people when you need something from them, the relationship could start to feel transactional and forced. Try to build better professional relationships by staying in regular contact with those contacts so you’re not just reaching out when you need a favor.
SHARE YOUR ACCOMPLISHMENTS
Keep track of your wins by creating a brag sheet — and updating it often. The purpose of this is so you don’t forget all the good you’re doing at work, and can easily mention it to higher-ups. And don’t wait until your annual review to share your wins.
Over 50 Seasonal, Full-time and Part-time positions available at The Broadmoor Hotel and ou
wilderness properties including: Food & Beverage, Housekeeping, Culinary, Retail, Laundry, a many more!
Why work at The Broadmoor?
LOCAL ADVERTISING SALES REPRESENTATIVE
Be Prepared: The Broadmoor Career Fair The February Broadmoor Career Fair Monday, 13th from 11:00AM-5:00PM The Broadmoor Career Fair Check out all job openings Opportunities for advancement Wednesday March 8thHall 11am – 6pm TheLocated Broadmoor Career Fair in thColorado Monday, February 13 th from 11:00AM-6:00PM st Promotion from within Monday, February 13 Colorado from 11:00AM-5:00PM 24 1 Street, SpringsHall. online before attending! Located Colorado Locatedinin Colorado Hall Friendly & team-orientatedststaff Located in Colorado Hall st Dress in business attire 24 1 Street, Colorado 24 1 Street, Colorado Springs Over 50 Seasonal, Full-time and available at Springs The Broadmoor Hotel and our st Part-time positions 24 1 Street, Colorado Springs Fun employee (ex. basketball tournaments, wildernessactivities properties including: Food & Beverage, Housekeeping, Culinary, Laundry, and Be Retail, interview ready! more!available at The Broadmoor Hotel and our Over 50 Seasonal, Full-time and Part-timemany positions Over 50picnic Seasonal, Full-time and Part-time positions available at The Broadmoor Hotel and our employee & kickball tournaments) Wilderness Properties including: Food & Beverage, Housekeeping, Culinary, Retail, Laundry, and Why work at TheFood Broadmoor? wilderness properties including: & Beverage, Housekeeping, Culinary, Laundry, and Be Retail, Prepared:
many more! Tuition reimbursement for hospitality many related classes more! Opportunities for advancement
Do you want to work in a fast paced, highly creative environment for the largest media company in Colorado Springs? We are looking for an experienced sales professional to work with local businesses in developing great advertising and marketing programs. This challenging and dynamic opportunity has great earning potential for the right sales professional! You will be assigned a defined sales territory where you will focus on strategic prospecting, conducting needs assessments, idea and proposal generation, presentation of advertising recommendations, closing and servicing the clients. This position will work collaboratively with the Advertising Sales Team to ensure exceptional customer service to The Gazette’s current and prospective advertisers. Proven organizational and communication skills are required as well as being a creative problem solver. Additional key focus areas will include opening account relationships and setting client expectations. It will be necessary to meet with individual clients monthly, annually or quarterly to review campaign process, budgets and create new strategies.
work at The Broadmoor? WhyWhy work at The Broadmoor? Promotion from within
Friendly & team-orientated staff Opportunities for advancement Opportunities for advancement Fun employee activities (ex. basketball tournaments, Promotion within Promotion fromfrom within employee picnic & kickball tournaments) Friendly & team-orientated staff Friendly & team-orientated staff Tuition reimbursement for hospitality related classes Fun activities (ex.(ex. basketball tournaments, basketball tournaments, employee Fun employee activities employee picnic & kickball tournaments) employee picnic & kickball tournaments)
Check out all job openings
Bebefore Prepared: Be Prepared: online attending!
Dress in business attire Checkout outall all job job openings openings Check Be interview ready! onlinebefore before attending! attending! online
Dress Dressininbusiness business attire Be Beinterview interview ready! ready!
Tuition reimbursement for hospitality related classes Flexible shifts and schedules
Free parking will be available in the parking lot adjacent to Colorado Hall.
If this sounds like the right mix of challenge and opportunity, please send your resume to humanresources@gazette.com.
For directions please call our directions hotline at (719) 471-6199 Please visit website and fill out an application prior the job fair. Free parking will our be available in the parking lot adjacent toto Colorado Hall. www.broadmoor.com/broadmoor-careers/ Free parking will be available the parkinghotline lot adjacent to 471-6199 Colorado Hall. For directions please call ourindirections at (719)
Free parking will be available in the parking lot adjacent to Colorado Hall. Please visit our and fill outdirections an application to| (719) the job fair. For directions please call our hotline at (719) 471-6199 The Broadmoor | 15website Lake Circle | Colorado Springs, CO prior 80906 577-5780 Please visitwww.broadmoor.com/broadmoor-careers/ our website and fill out an application prior to the job fair.
For directions please call our directions hotline at (719) 471-6199 www.broadmoor.com/broadmoor-careers/
The Broadmoor | 15 Lake Circle | Colorado Springs, CO 80906 | (719) 577-5780 Please visit our website and fill out an application prior to the job fair.
The Broadmoor | 15 Lake Circle | Colorado Springs, CO 80906 | (719) 577-5780
www.broadmoor.com/broadmoor-careers/
The Broadmoor | 15 Lake Circle | Colorado Springs, CO 80906 | (719) 577-5780
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The Gazette · springshouses.com
Sunday, Mar 5, 2017
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EDUCATION SPECIALIST NEEDED Do you want to work in a fast paced environment with a team of highly creative individuals at a company who influences the markets identify as one of the nation’s most coveted destinations to live, work and play? We are looking for an experienced sales professional to work with local schools and universities in developing great advertising and marketing programs. This challenging and dynamic opportunity has great earning potential for the right sales professional! You will focus on strategic prospecting, conducting needs assessments, idea and proposal generation, presentation of advertising recommendations, closing and servicing the Education segment as well as the religion segments of clients. This position will work collaboratively with the Advertising Sales Team to ensure exceptional customer service to The Gazette’s current and prospective advertisers. Proven organizational and communication skills are required as well as being a creative problem solver. Additional key focus areas will include opening and maintaining account relationships while addressing their key priorities in needs with strategic advertising and marketing plans. It will be necessary to meet with individual clients monthly, annually or quarterly to review campaign process, budgets and create new strategies.
If this sounds like the right mix of challenge and opportunity, please send your resume to humanresources@gazette.com.
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