Real Estate 12/07/14

RealEstate Sunday, December 7, 2014

ONLINE NOW: VIDEO TOURS • DOWNLOAD THE SPRINGSHOUSES.COM APP FROM THE ITUNES STORE

FACEBOOK.COM/SPRINGSHOUSES

@SPRINGSHOUSES

INSIDE:

YourCareer SpringsClassified

powered by:

TEXT GAZETTEOH TO 52732

PAID ADVERTISEMENT

SPOTLIGHT: COTTAGE HOMES AT MACKENZIE PLACE

This holiday season is the perfect time to buy a new home

BY LESLIE MASSEY  SRPRINGSHOUSES.COM

While most real estate transactions take place in the spring and summer, buying a home during the winter has some advantages.

It’s true that winter tends www.tritoncommunities.com to be a buyer’s market thanks to fewer people looking to buy. It also offers a seasonal

perspective of the home — how cozy does it feel while outside temperatures are low?

In addition, with less customers to work with, many services (such as lenders, movers, and others) may reduce or waive fees.

And seniors who value the

Cottage Homes at MacKenzie Place Live Your Life...Well.

1605 Elm Creek View 719.633.8181 Cottage Homes for today’s active seniors www.tritoncommunities.com

freedom of homeownership, but are tired of spending weekends working on their “honey-do” list, such as shoveling snow, will definitely appreciate the maintenance-free lifestyle offered by Cottage Homes at MacKenzie Place.

CONTINUED ON PAGE 2

njoy Benefits:

Troubled US homeowners get more government relief

sort Style Living

ve as much fun as possible h peace of mind.

BY JOSH BOAK THE ASSOCIATED PRESS

intenance-Free WASHINGTON — Homeowners

The discounted 2 percent mortgage program’s borrowers have less than in government payments made economic downturn since the 1930s. rates are scheduled to rise by a 20 percent equity or owe more on during the first five years of the Obama administration officials initially percentage point for many of these their mortgages than their homes loan modification. Because of the pledged that HAMP could save as receive an additional $5,000 reduction borrowers entering the sixth year of are worth, putting them in a fragile combined $10,000 in principal many as 4 million homeowners from in their loans from the government, the program. That would increase financial situation. reduction, qualifying borrowers foreclosure, but only 1.2 million were enitiesthe&Treasury Service and Housing and Urban monthly payments for those who “It’s about trying to prevent as many would have the option of adjusting ultimately able to participate in the departments might still be struggling to find work avoidable foreclosures as we can,” their mortgage terms to pay on program established through the 2008 t WaterDevelopment Pool, Fitness Room,said Thursday. or additional income. said Timothy Bowler, deputy assistant average $50 less a month. Otherwise, law creating the Troubled Asset Relief vie Theatre, Spa, Personal The payments would impact roughly Theforplan announced Thursday secretary for financial stability. those could or TARP. seniors who want all theisbenefits Treasury of the MacKenzie Place campus combined withborrowers the freedom of repay hometheir ownership. Program, Now ner. 1 million borrowers who received Designed More than 5.3 million homes were designed to mute the shock from Mortgage rates on the modified loans mortgages ahead of schedule. you can have both in Triton Communities’ new maintenance-free Cottage homes at MacKenzie Place. lost to foreclosure during the financial reduced mortgage rates through higher interest rates — and thus will eventually rise to market levels.

The HAMP program was launched crisis, according to CoreLogic, a real the Home Affordable Modification higher monthly payments — on HAMP This latest principal reduction in 2009 amid cratering home prices sure Care Located on the corner of Fillmore and Union at 1605 Elm Creek View in Colorado Springs.

The Cottages at MacKenzie Place are ideal estate data firm.  Program during the Great Recession. borrowers. Nearly two-thirds of the would be in addition to the $5,000 and fierce job cuts during the worst

ve the whose exterior upkeep mortgages were modified to sles tostave us. off foreclosure could next year

e of the nation’s premier ior living companies.

ng in Place

alth and Wellness sisting Living e Restaurant Dining ncierge Services meFit in Fitness vel

Introducing Cottage Homes at MacKenzie Place

for senior who appreciate the advantages of home ownership, the joy of a no-maintenance lifestyle, and the resort style living that MacKenzie Place offers.

Discover The Unbridled Majesty MacKenzie Horse.

Place Of Flying Cottage homes:

Stop by for information on Triton’s Cottage Homes and a personal tour of MacKenzie Place and see why it makes sense for your life.

We have four homes that can be available in 30 days. Ask about the FREE gourmet kitchen upgrade!!

BeautifulCountry Maintenance-Free Homes from the $300s | Award-winning Club Homes to Fit Your Active Preferred Builders | Tom Weiskopf Golf Course Independent Lifestyle!

FlyingHorseColorado.com

tage Homes at MacKenzie Place 1605 Elm Creek View, Colorado Springs, CO 80907 Mark Brantley 719-633-8181 mark@tritoncommunities.com www.tritoncommunities.com

2SH

The Gazette · springshouses.com

Sunday, Dec 7, 2014

Buying a home? Do a landscape inspection

BY DEAN FOSDICK  THE ASSOCIATED PRESS

Prudent house hunters usually await the results of a professional inspection before buying their dream home. All too often, though, one of the biggest contributors to a home's value is neglected: the landscape. And that can prove costly.

“I feel bad telling people who've already put their life's savings into a new house that their sprinkler system is outdated or was installed wrong,” said Jeff Wolfe of Sun Wolfe Irrigation Inc. in Phoenix, Arizona. The company’s services include irrigation and outdoor lighting inspection.

“Now they're facing big expenditures,” he said. "Depending on the size of the property, costs for

a new irrigation system can vary from $2,000 to $20,000. The same goes for lighting systems.”

Landscape problems are more costly to correct when deferred, said Bruce Avery, an arborist with AAA Tree Experts Inc. in Tallahassee, Florida.

"And the longer you wait, the more expensive it gets."

And inspections are increasingly important now that families are making more use of their outdoor living areas, he said.

Pre-purchase landscape inspections should include such things as retaining walls, patios and decks, outdoor kitchens, water features, fireplaces and fire pits, irrigation systems, fencing,

pools and spas, lighting, playgrounds, lawns and trees, Avery said.

Regional considerations vary.

“If you live in California, you'd probably want to know about wildfire hazards,” Avery said. “In Florida, hurricane prevention.”

“Up North, ice and snow and their maintenance activities can cause landscape and hardscape damages,” he said. "Gulf Coast areas from Alabama to Texas are fighting invasive termites that attack healthy trees, and a similar pest in the Northeast coastal areas is expanding inland at a fast pace.”

Large trees can be beautiful but also problematic, Avery said.

“Mature trees can add significant value to a property," he said.

“Unfortunately, with age, stresses from a number of factors can lead to dangerous and unhealthy trees (and the risks) are not evident to the average consumer.”

Don’t ignore the ground. Get the soil tested before you buy, said Richard Koenig, a professor, associate dean and director of Washington State University Extension.

“It is difficult if not impossible to address a soil problem after perennial plants, irrigation systems and hardscape (sidewalks and such) are installed," Koenig said.

“Poor drainage, high or low pH

and salinity are the most common problems. In rare situations, soils can be contaminated with heavy metals or pesticides from previous industrial activity or an accidental spill,” he said.

If landscape problems are discovered during an inspection, then those issues can be passed along to the homeowners for a suggested fix, be included in the price negotiations or become total deal-busters.

“There are so many elements of the landscape that consumers have no idea what is hidden,” Avery said.

“A wise homeowner or prospective buyer should always involve a qualified arborist or landscape professional to help answer their questions.” 

Will low mortgage rate lock you into home?

BY MARCIE GEFFNER  BANKRATE.COM

Suppose your mortgage has a low interest rate — lower than you expect to see again. Would you stay put, no matter what, just to keep that low rate? Or would you be willing to sell your home and buy another with a new mortgage at a higher rate?

MORTGAGE LOCK-IN Mortgage lock-in is the state of having a home loan with such a low interest rate that the homeowner is reluctant to sell the home because buying another home would require getting a mortgage at a higher rate.

The question might seem highly personal. But in fact, what’s known as mortgage lock-in is on a lot of people’s minds because it could have important implications for home sellers and buyers, as well as owners.

3 THINGS ABOUT MORTGAGE LOCK-IN • A rise in mortgage rates tends to be followed by a drop in home sales.

• Some homeowners stay put so they can keep their low mortgage rates.

• Most home purchases are driven by personal factors that eclipse interest rates.

‘DEEP REDUCTION’ IN SALES

What will happen as interest rates and home prices rise at the same time?

Researchers at the Institute for Housing Studies at DePaul University in Chicago tackled that question for a February 2014 research brief.

The result of their simulation model wasn’t favorable for housing markets.

“The growing number of locked-in households will in turn cause a deep reduction in housing turnover, or sales activity, and this reduction will be particularly steep in the strongest housing markets,” the researchers wrote.

IMPACT LESS SIGNIFICANT The DePaul researchers’ conclusion might sound dire. But in fact, the effect of mortgage lock-in alone is likely to be small, says Sam Khater, deputy chief economist for CoreLogic, a residential property information, analytics and services company in Irvine, Calif.

That’s because, Khater says: • One-third of homeowners don’t have a mortgage, so lock-in doesn’t apply to them.

• Most people move in response to changes in their employment, family situation or lifestyle, not housing costs or interest rates.

• Mobility has declined during the past 30 to 40 years across all demographic groups for economic reasons that aren’t limited to housing or interest rates.

• Mortgage rates affect housing affordability, so some buyers might downgrade their expectations. But they still will buy.

“The impact of rising rates will be bigger if it’s over a shorter time horizon, but that impact is not due to a lock-in effect. It’s due more to the shock of higher rates,” Khater says.

“Households still want to buy. They’ve made a decision. The higher rate simply reallocates where they move to.”

IT’S HAPPENED BEFORE The last outbreak of mortgage lockin happened from the early 1970s to the early 1980s, Khater says. Even as interest rates remained elevated after the 1982 recession, home sales remained strong.

The supply of homes for sale is increased by newly built homes sold by builders, who aren’t affected by rate lock-in. Brand-new dwellings represent a small portion of overall home sales, though.

DESIRE TO TRADE UP Ken Fears, manager of regional economics and housing finance for the National Association of Realtors, says rate lock-in “will certainly have an effect,” but the effect is likely to be marginal and not significant in the near term.

That’s because interest rates have remained relatively low and homeowners typically sell their home only every nine years, on average.

“A lot of people who bought their home that long ago have a large amount of equity,” Fears says. “When they trade up, they’ll have a smaller balance and lower rate, unless they refinanced.”

For move-up buyers who end up with higher monthly payments, the increased costs are offset by the new homes’ greater desirability.

“People will look at their new monthly payment relative to their current payment,” Fears continues. “But they’ll juxtapose that next to what they’ll get: more bedrooms, a better school system, shorter commute or new job. The alternative is to buy another car, add on to their house or pay for private schools. At the end of the day, it’s not just about the rate.”

for a real estate brokerage in Seattle, says mortgage rate lock-in is “a bit of a misnomer” because it suggests homeowners are trapped in a bad situation.

Instead, she says, a low rate “is nothing but good news for homeowners” because it could allow them to keep their home as a rental property rather than sell it when they move. Or they can tap their equity to remodel rather than move.

Those options might mean fewer for-sale homes for buyers, an effect that might be more pronounced in geographic areas and at price points that already have shrunken supplies of for-sale homes, Richardson adds.

Still, Richardson also says the effect might be muted because not everyone will stay put.

“If you live in a one-bedroom condo and you’re pregnant with triplets, no rate is going to keep you in place,” she says. “People get married or get a great job opportunity. Life happens.

Housing is a reflection of our lifestyle. A rate is just one factor in a complicated decision.”

RENT IT OUT Nela Richardson, chief economist

Marcie Geffner is an award-winning reporter who contributes to Bankrate.com.

Sunday, Dec 7, 2014

The Gazette · springshouses.com

SH 3

SPOTLIGHT: COTTAGE HOMES AT MACKENZIE PLACE The Cottages offer a thriving community filled with friendly neighbors and engaging amenities.

Located on the MacKenzie Place campus near E. Filmore Street and N. Union Boulevard, they deliver an improved quality of life for seniors who appreciate all the benefits at Mackenzie Place but are not ready for an assisted living lifestyle.

Instead of shoveling snow, residents of The Cottages can rejuvenate at the fitness center, meet up with friends in the clubhouse or restaurant, enjoy the picturesque Nancy Lewis park right next door, or take part in the number of social activities available.

Triton Communities, one of the premier senior living organizations, has designed stylish single-family homes for seniors that deliver the high level of quality buyers are looking for. Triton homes are constructed with careful planning, expert craftsmanship and exceptional attention to detail. Furthermore, Triton has a team of experts on-hand to dispense unparalleled customer care to each homebuyer.

Homes in The Cottages are intended for main-level living and include a private two-car garage, starting under $300,000. Along with ranch-style plans, loft plans

Self-employed find it’s not easy to get a mortgage

BY TIM LOGAN  LOS ANGELES TIMES

Despite often earning higher incomes, self-employed borrowers have a harder time getting a mortgage than their salaried peers, according to a new study out Thursday. And as the ranks of the self-employed grow, that’s hindering the housing recovery.

People whose primary income comes from self-employment receive 40 percent fewer loan quotes than the average would-be borrower, according to data crunched by real estate website Zillow.

“It’s still pretty difficult to get a loan,” said Erin Lantz, vice president of mortgages at the online real estate giant. “We think it’s even harder for the self-employed.”

The biggest reasons why, she said: lower credit scores and more complex paperwork to verify income.

Although many of the self-employed who sought loans through Zillow’s mortgage marketplace reported higher income — an average of $145,000 for self-employed home buyers versus $80,000 for others —

they were twice as likely to have a credit score below 680.

Many business owners mingle their personal and business balance sheets, Lantz notes, which can dampen credit scores and lead to bigger swings up and down in annual income.

“That can come back and impact your ability to buy a house,” she said.

Verifying and tracking that income can mean more work for a mortgage lender too, she said, and many riskaverse banks these days are deciding it’s not worth the trouble.

“It’s so much more paperwork intensive,” Lantz said. “Lenders are wary of going through the extra work it takes to underwrite the selfemployed.”

But they are a growing slice of the housing market. Nearly 18 million Americans worked 15 or more hours a week as a freelance or independent worker this year, according to a recent study by MBO Partners, which provides services to independent workers. That is up 12.5 percent since 2011. 

are offered which provide main-level living with additional living space on the upper level. Triton offers the option of including an elevator during construction, or it can be retrofit down the road if it becomes needed.

An assortment of design choices are available for each Cottage and can be tailored to create the home that’s fits your lifestyle the best.

Arlun Design Center conveniently assists buyers to select the finishes and choices that will your home truly yours.

“Along with being built for main level living with no steps, they are handicap accessible with wide doors

and hallways,” said Mark Brantley, Sales Director at MacKenzie Place Cottage Homes. “The two-story loft option is great for someone who might have the grandkids stay over or maybe have live-in help.”

All exterior maintenance is taken care of including snow removal, trash removal, and landscape services provided through the homeowners association.

Cottage owners also become members at MacKenzie Place where an abundance of amenities await.

The monthly membership includes services such as the heated indoor salt-water pool, spa, Prime Fit Fitness

Center with PrimeFit Programs, Custom Health and Wellness plans, Movie Theater, dining, and other extensive guest services.

Construction at Cottage Homes at MacKenzie Place is almost completed.

Along with a couple homes already built and ready for immediate movein, only 19 lots are left for buyers to choose their perfect home.

Stop by for information and a personal tour of MacKenzie Place and see why it makes sense for your life.

And be sure to ask about the free gourmet kitchen upgrade. 

4SH

The Gazette · springshouses.com

Sunday, Dec 7, 2014

cal Find Lo ou Y Events u o Wish Y ut Abo Knew

Get the app! For phone or tablet search Colorado Springs Gazette in:

To place your ad call:

719-444-SELL

my Life, my Gazette

Briargate

OPEN Sat. Dec. 6, 9-4pm & Sun. Dec 7, 11-4pm

8135 Essington Drive • $164,900

Popular Alpine Plan, Ready for Move-In 1,657 sq. ft. home w/3 beds, 2.5 baths, 2 car garage. Open floor plan w/hardwood floors, upgraded appliances and granite countertops. Full landscaping, fencing, A/C and window coverings also included.

ONE LEVEL LIVING 3Bd/1Ba/2CG*Vaulted living room w FP*Skylight *Updated kitchen and bath*Storage shed*Low maintenance landscape w/water feature*Covered patio

Beautiful Two-Story, Ready for Move-In 2,039 sq. ft. home w/4 beds, 2.5 baths, 3 car tandem garage.

Features upstairs laundry, hardwood floors, stainless steel appliances, granite countertops and large patio. A/C, full landscaping, and fencing included.

Deb Balzer 719-559-3770

Carrie Schroeder 719-761-9334

Deb Balzer 719-559-3770

7917 Fallgold Ct. • $298,160

OPEN Sat. Dec. 6, 9-4pm & Sun. Dec 7, 11-4pm

8017 Briarthorn Ln. • $304,770

Open Saturday and Sunday 1-4pm

Featured Houses

More Open Houses

Featured Home of the Week

Featured Open House

Classic Homes in Meridian Ranch

New Home At Mackenzie Place Active Adult Campus

10483 Mt Columbia Drive | $299,703

2836 Elm Meadow View | $326,155

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 Classic Homes in The Village of Siena

Neighborhood: Mackenzie Place Driving Directions: North on union on the Southwest corner of Fillmore and Union Agent/Company: Mark Brantley, 719-963-5427, Triton Communities Open House: Tuesday – Saturday, 10am – 5pm

Cottage home with loft plan has main floor living, 3 bedrooms, 2½ baths, and attached 2-car attached garage. Inviting kitchen is finished with 36” Maple cabinets, Granite kitchen countertops, tile backsplash, and GE microwave, dishwasher & smooth cook top range. Vaulted ceilings and Optional gas fireplace in the Grand Room. A spacious master bedroom with coffered ceiling, walk-in closet and private master bath with double sinks, and a walk-in shower w/bench. Laundry room is conveniently located in the owner’s entry next to the garage, and the second bedroom has a nearby bath. Covered front porch and covered patio provide the perfect place to enjoy spectacular Colorado evenings.

Open House of the Week New Vantage Home in Stone Crossing

13077 Cupcake Heights | $379,900

1744 Valley Stream Ct. | $549,130

Neighborhood: Flying Horse Driving Directions: I-25 to Interquest Exit 153; East on Interquest West on Flying Horse Club Drive to first roundabout, right on Barossa Valley; Left on Sea Smoke Circle; Left on Cupcake Heights, 13077 Cupcake Heights is on the right!

Agent/Company: Classic Homes, 719-495-7297 flyinghorse@classichomes.com Located just east of The Club at Flying Horse, the “Brougham” floor plan is now available. The home is a 3,086 sq. ft. ranchstyle patio home featuring 3 bedrooms, 2.5 baths, and 2-car garage. It has stucco & stone exterior, covered patio, and is fully landscaped with sprinkler system and all landscape maintenance is included! This spacious patio home offers a finished basement with 1’ taller ceilings, fireplace, and wet bar rough-in plumbing. All new Classic Homes in Flying Horse include Social Fitness Membership in The Club at Flying Horse! MLS: 787729

Featured Home of the Week Classic Homes in The Village of Verona 1908 Turnbull Drive | $646,096 - 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

Neighborhood: Stone Crossing / Northgate Area Open House: Sunday, December 7, Noon to 3pm Driving Directions: I-25 to Interquest Exit 153; East on Voyager; Right on Middle Creek Pkwy; Right on Bridle Oaks Ln; Right on Woodmont Dr; Right on Woodruff Dr; Right on Valley Stream Ct. Agent/Company: Vantage Homes, LLC 719-494-8112

4 Bedrooms / Study / 3 Bathrooms / 3 Car Garage. Don’t miss your chance to own a brand new rancher, built by Vantage Homes, located in the established neighborhood of Stone Crossing in the Northgate area. Includes stucco & stone exterior and full yard landscaping! This home features a covered rear patio and raised ceiling in main level great room. The basement has room for another bedroom/bath. You’ll enjoy hardwood flooring in entry, dining room, great room and kitchen. The kitchen has double ovens, large island, granite slab countertops and walk in pantry. This home is located in D20, ready for quick move-in and is a must see in Northgate! MLS #182635

Be informed on the go!

For phone or tablet search Colorado Springs Gazette in:

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!

Donate online at FillAnEmptyStocking.org or call 719-476-1673.

PALMER DIVIDE RD.

PalmerSunday, Dec 7, 2014 Lake 105

The Gazette · springshouses.com

SH 5

105

HIGBY RD.

83

9

2 SHOUP RD.

MERIDIAN RD.

25

HODGEN RD.

BLACK FOREST RD.

ROLLER COASTER RD.

14

4

EASTONVILLE RD.

Pikes Peak New Homes Monument

2

BURGESS RD.

Colorado Springs Premier Custom Builder

VOL LM

ER

Air Force Academy

powered by

• We’ll build on any lot anywhere • No one tops our luxury but we compete with anybody on price • Luxurious custom home builders

5

6 15

KW Y. FS P BL UF

24

CIM

AU ST IN

FILLMORE ST.

MA

11

RO N

719.598.8900

www.copperleafhomes.com

2 • Custom & Semi-Custom Homes • Any location, style, size, or price • Building custom homes for the most satisfied clientele in the Pikes Peak region – Find out why!

PLATTE AVE.

94

AIRPORT RD.

DRENNAN RD.

5

ST. AS EG

SV LA

Widefield Available Now! $248,000 PKWYGrove RIDGE MESA 11424 Neutra

9 New Plans from the High $100s 85

87

RD.

2016 Turnbull Drive $456,972 Open Sat & Sun 1-4 Kelly Price 719.650.1778 Kelly@VanguardNewHomes.com

as a formal dining room. The radius stair case with wrought iron railing leads you to the upper level. Master Suite is accompanied with a plush 5 piece Master Bath with a granite slab counter and walk-in closet. The Kingsbridge has a unique loft that opens to a covered deck which yields spectacular views, and overlooks the beautiful curved stairway! The upper level also enjoys 2 spacious bedrooms, a full bath, and laundry room located conveniently to all bedrooms. Finished Basement with 9’ Ceilings offers a Family Room with a Wet Bar, Bedroom, and a Full Bathroom.

Located in the prestigious Flying Horse Community! OR: Study OR: Loft

10888 Mt Evans Drive Model Open Mon-Sat 10-5, Sun 12-4 or by appointment

REIMAGINE REIMAGINEYOUR YOUR DREAM DREAMHOME. HOME.

• Antler creek Golf Course and CreekView Grill North on Woodmen Rd., east on • New homes from the low 25Dr. and follow the $200s to the $500s Londonderry

signs to builder models.

www.MeridianRanch.com

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

$359,988 Open Sat & Sun 1-4 Kelly Price 719.650.1778 Kelly@VanguardNewHomes.com

Winner 2013 People’s Choice (Parade of Homes) • We have 1/3 to 1 acre lots available • Award winning designs • Homes starting at $325,000

www.gjgardnerfalcon.com REIMAGINE YOUR REIMAGINE YOUR 719.495.8800 RD. DREAM HANOVER LIFE LIFEHOME. SIMPLIFIED. SIMPLIFIED. DREAM HOME.

Our Model the Austin- This cozy 2 story home has everything most desire! The Great Room boasts a gas fireplace and it is open to the dining and Kitchen area. Generous Kitchen space has granite slab counters, stainless steel appliances, pantry, and extended hardwood flooring. Walk Out on to your patio from the Kitchen and Master Suite. Master Suite

boasts a plush 5 piece Master Bath and spacious walkin closet. A powder room and laundry complete the Main Level. The upper level enjoys 2 large bedrooms, a full bath, and a cozy loft which overlooks the Great Room!

A full unfinished lower level has 9’ ceilings for room to grow! Our model home Available NOW in the desirable Gold Hill Mesa Community! Don’t Miss Out!

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

LIFE SIMPLIFIED. LIFE SIMPLIFIED.

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 thethe $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.

CreekStone, Hi-Point, JM walking Weston, and Vanguard Homes styles and floor plans that fit any lifestyle.

• Townhomes from the $180s.

Single Family Homes from the $260s.

Featuring 4 local, award-winning builders: CreekStone, Hi-Point, JM Weston, and Vanguard Homes.

• Models open daily.

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.

Our award winning Kingsbridge- This 2 story plan is sure to please! Completed in a European Cottage Elevation, this home boasts beautiful stucco and stone in a dynamic color scheme. Inside, the main living areas are open and spacious, complete with all the features you have come to expect in our homes. The Kitchen, with granite slab counters, stainless steel appliances, walk-in pantry, and an island with additional seating provides luxurious living. The Great Room boasts a raised corner fireplace and built-in entertainment center. The Main level also has a mudroom, powder room, and a study that could function

Vanguard Homes- Kingsbridge-2 Story-Finished Basement-Wet Bar-Spectacular Views- Prestigious Flying Horse Community!

Quality and Affordable Custom Homes

A Golf & Recreational Community

1

9

• We have 1/3 to 1 acre lots available • Award winning designs • Homes starting at $325,000

Models open daily until 6pm

UEBLO

New Lots Available in Settlers Ranch.

Highway 83, east on Hodgen Rd. to Timber Meadow Dr. Turn left.

719.495.8800

5

OLD P

Hand Crafted Custom Homes by OAKSBURY, Inc.

www.gjgardnerfalcon.com

• 30,000 square foot recreation center with pool • Miles of paved hiking and biking trails • Neighborhood parks and playgrounds

11

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.

• Master level office or 2nd bedroom & full bath • Main level laundry w/free W/D • 2 bedrooms in basement w/ full bath

SQUIRREL CREEK RD.

Fort Carson

4

Winner 2013 People’s Choice (Parade of Homes)

5

• Hardwood floors, Granite Countertops, Stainless Steel appliances • Main level master with free-standing tub, large shower, walk-in closet • Main level study with trendy barn door • 3 bedrooms and 2 full baths on upper level • Full basement

Open Mon-Sat 10-6 / Sun 12-6 www.CreekStone-Homes.com

• Main-level living • Gourmet kitchen with free refrigerator

FONTAINE BLVD.

Fountain

AVAILABLE NOW! 5676 Leon Young Dr. $399,000 719-368-7945 115 Lori@CreekStone-Homes.com

10851 Glen Canyon Drive Model Open Mon-Sat 10-5, Sun 12-4 or by appointment

Landscaped & Fncd Yard

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

New CreekStone Homes in District 20!

Quality and Affordable Custom Homes

Security

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

Mark Davis 719-338-3116

• Visit us in the Lodge at Cathedral Pines - 13977 Milam Road • Saturday through Wednesday 10-5 (12-5 on Sunday) • www.Alliancebuilders.com

719.495-4408

13

New Townhomes in District 20 8989 Meadow Rose View 115 • Award Winning Builder

4330 Settlers Ranch Rd. Settlers Ranch

Award Winning Custom Homes

ACADEMY BLVD.

CIRCLE DRIVE

15

6

• Parade home winners since 2006 and 2014 People’s Choice Award

13

24

25

• • • •

WOODMEN RD.

Colorado Springs

85 87

ST.

8

Custom Homes From The $400,000s

24

MARKSHEFFEL RD.

Manitou Springs

POWERS BLVD.

1

NEVADA AVE.

GARDEN OF THE GODS RD.

3

WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM WWW.GOLDHILLMESA.COM • Townhomes from the $180s to $230s and single family homes from the $260s to $500s.

INFO@GOLDHILLMESA.COM 719.633.2202 719.633.2202 INFO@GOLDHILLMESA.COM INFO@GOLDHILLMESA.COM 719.633.2202 719.633.2202 INFO@GOLDHILLMESA.COM • Models open daily.

WWW.GOLDHILLMESA.COM 719.633.2202

INFO@GOLDHILLMESA.COM

KISSING CAMELS & CATHEDRAL RIDGE 3310 Mesa Road

Mike Woelke 719.623.2669 (For Gate Access)

To Feature Your New Home Inventory on this Map Call 476-1642

YourCareer

6SH

The Gazette · springshouses.com

Sunday, Dec 7, 2014

powered by:

FEATURE:

Employee productivity will be low in the holidays, here’s why it doesn’t matter

BY JACOB SHRIAR  BUSINESS2COMMUNITY

Everyone deserves a break, especially during the holidays. The holidays are a beautiful time, meant to be spent with family and friends.

Vacation around this time is ingrained in our society, so most employees (and managers) are pretty focused on taking some time off. Plus, especially where I live in Montreal, Canada, it gets dark very early, so it’s hard to stay productive later in the day.

Everyone should do as much as they possibly can to ensure maximum productivity.

Managers should be prepared and forewarned, don’t be upset if employee productivity is low. If employees see executives going to the Caribbean islands during the holidays, it’s not fair to expect them to work overtime. There should be some level of equity in the workplace.

The main issue is that our society views the holidays a “write-off”, where since everyone is going on vacation soon, not much work needs to be done.

Everyone is slacking. So it creates this network effect of other slackers.

ARE WE MORE PRODUCTIVE IN WINTER?

Did you know that we’re actually more productive in winter? Most companies don’t seem to take advantage of this.

Like I mentioned earlier, it’s more of a societal tradition that we slack off in the

winter.

Researchers at Harvard found that we are our most productive during the winter. How the researchers discovered this, was they tracked employees working at a bank in Tokyo, and found that their most productive days were bad weather days, and they were least productive on nice days.

When it’s cold and dark outside, you don’t mind staying in an office, so I understand how this would lead to higher productivity.

I do think taking time off in the winter is important though, since most people take time off, it’s a great time to unwind, and spend time with family. It’s very important to have a good work-life balance.

WORK-LIFE BALANCE

Work-life balance is such an important, but such an underappreciated issue. So many companies don’t actively encourage a work-life balance and are trying to maximize productivity out of their employees.

Overworking employees is a dangerous game to play, because shortterm, it might work, but longer term, it could have serious negative effects.

Employee burnout is a very serious issue and can lead to employees getting sick and taking months off of work.

There was a major Canadian study

by Carleton University’s Linda Duxbury

about work-life balance, and they found was: • 57% of those surveyed reported high levels of stress • Employees in the survey were twice as likely to let work interfere with family as the reverse What do you think it does to children when you bring that stress from work home?

Work-life balance isn’t only for employee’s health; it’s also a very important part of success. In a study done by Accenture, they found that having a good work-life balance is the key to a successful career.

I’d recommend running frequent employee surveys to find out if employees have a good work-life balance.

TIPS TO BE MORE PRODUCTIVE

There are plenty of simple productivity tips that I could give you, but the truth is, being productive is about taking care of yourself, and making sure your energy levels are high.

There are three things that ultimately affect productivity.

1. SLEEP You need to be well rested to be very productive, no matter how many coffees you pump into you. The two best pieces of advice I have for trying to get a good night of sleep are

meditate before bed, and avoid any screens before bed.

The meditation calms you down before bed, and the screens on any device (phone, computer, TV) release a chemical in your body that keeps you awake.

2. EATING WELL In order to keep your energy levels up, you need to be eating properly. If you eat foods with lots of bread and carbohydrates, you’ll feel very sluggish, think about the last time you had a big

pasta for lunch.

If you eat high protein foods like chicken or eggs, you’ll have more energy and will be more productive.

3. EXERCISE Exercise is important, but like I was mentioning at the beginning of the post, in the winter time, it gets darker earlier, so you’ll get tired earlier. If you can, I’d recommend exercising during the day, around 2pm, to get that extra burst of energy for the rest of the day. 

EVANS ARMY COMMUNITY HOSPITAL, FORT CARSON, CO

FULL-TIME GENERAL SURGEON FULL-TIME GENERAL SURGEON EVANS ARMY COMMUNITY HOSPITAL, FORT CARSON, CO

Evans Evans ArmyArmy Community Hospital (EACH), Fort Carson, seeks a full-time Community Hospital (EACH), Fort Carson, CO seeks aCO full-time General Surgeon from 1 April 2015 through 30 September 2015 with four additional one year option General Surgeon from 1 April 2015 through 30 September 2015 with four periods. This opportunity is open to individuals only; responses from companies will not be additional one year option periods. This opportunity is open to individuals considered. only; responses from companies will not be considered.

Qualifications and Requirements, which also serve as the criteria for which individuals will be evaluated, are as follows: Qualifications: 1) General Surgeon shall have a Doctor of Medicine degree

Qualifications and Requirements, which also serveofas the criteria for and which individuals will be from an accredited college approved by the Council Medical Education Hospitals of the American Medical Association American Osteopathic Association, or Doctor Osteopathy degree from a evaluated, are as follows: orQualifications: 1) General Surgeon shallofhave a Doctor of Medicine collegeanaccredited by the American Osteopathic Association permanent certification by the of degree from accredited college approved by the Council or ofpossess Medical Education and Hospitals Education Council for Foreign Medical Graduates or completed a Fifth pathway Program (or equivalent). the American Medical Association or American Osteopathic Association, or Doctor of Osteopathy 2) Shall have at least four years of experience in caring for patients within the last six years and shall have degree from college byathe American Osteopathic Association permanent at leasta one year’saccredited experience on civilian or military hospital staff.

Time spentorinpossess a residency program may be satisfying Council this requirement (e.g., completion of a six-yearorresidency will acount two certification byused the to Education for Foreign Medical Graduates completed Fifthaspathyears of(or theequivalent). four years). 3)2)Shall BoardatCertified and have completed an applicable way Program Shallbehave least four yearssuccessfully of experience in caring for patients internship and residency program which is accredited by the United States Medical Specialty Training within the last six years and shall have at least one year’s experience on a civilian or military Program. 4) Shall have an unrestricted license in one of the 50 States, the District of Columbia, the hospital Commonwealth staff. Time spent in a Rico, residency beIslands used to this requirement of Puerto Guam,program or the U.S.may Virgin andsatisfying be able to obtain clinical privileges (e.g., completion a six-year count two years of the Shall be to practice of medicine at the residency MTF wherewill services areas provided.

5) Shall havefour and years). maintain3)a current DEA Certification.

6) Shall have current completed certification in Resuscitation (CPR) or Basic Board Certified and have successfully anCardiopulmonary applicable internship and residency program Life Support (BCLS) and Advanced Cardiac Life Support (ACLS). 7) Shall have evidence of which isCardiac accredited by the United States Medical Specialty Training Program. 4) Shall have an uncurrent knowledge of ongoing advances, skill and experience in General Surgery subject to verification restricted license in one of the 50 States, the District the Commonwealth of Puerto and comprehensive documentation, as determined by of theColumbia, privileges granted from the current practice site Rico, Guam, or theevaluation U.S. Virgin Islands and be able obtain clinical1)privileges to practice and current from the Department Chief.toRequirements: The HCP shall be a U.S. medicine citizen or otherwise the requirements of AR5) 25-2, Information HCP shall have been at the MTF wheremeet services are provided.

Shall have andAssurance. maintain2)aThe current DEA not Certification. of a felony.

3) The HCP shall successfully complete a criminal history check.

4) 6) Shall convicted have current certification in Cardiopulmonary Resuscitation (CPR) or background Basic Cardiac Life The HCP shall be able to read, write, and speak English well enough and enunciate with sufficient clarity Support to(BCLS) and communicate Advanced Cardiac Life and Support (ACLS).

Shall have evidence of current effectively with patients other health care7)providers.

5) Possess sufficient initiative, knowledge of ongoing advances, skill and experience in General Surgery subject to verification interpersonal relationship skills and social sensitivity such that the HCP can relate to a variety of patients from diverse backgrounds.

6) Ableastodetermined operate a personal computer utilizing Microsoft and comprehensive documentation, by the privileges granted fromapplications, the currentsuch Word, and evaluation efficiently utilize Electronic Medical Record.

7) The HCP shall required to practiceassite andExcel, current fromanthe Department Chief.

Requirements: 1)beThe HCP shall meet Continuing Medical Education (CME) requirements in AR 351-3 or as determined by the provider’s be a U.S.State citizen or otherwise meet the requirements of AR 25-2, Information Assurance. 2) The of licensure, whichever is more stringent.

HCP shall not have been convicted of a felony. 3) The HCP shall successfully complete a criminal Applicants shall be evaluated above criteria: qualifications, (b) enough history background check.

4) Theand HCPranked shallaccording be able to tothe read, write, and(a) speak English well requirements, and (c) pastclarity performance.

A personal interview maywith also patients be requiredand as part of the rating and enunciate with sufficient to effectively communicate other health process. care providers. 5) Possess sufficient initiative, interpersonal relationship skills and social sensitivity such that the HCPmust cansubmit relatetheir to a1)variety of patientsvitae from2)diverse backgrounds.

6) for Able to Interested parties resume/curriculum hourly salary requirements operate each a personal utilizing Microsoft applications, such as Word, Excel, and efficiently contract computer period 3) a minimum of two professional references to Western Regional Evans Army Community (EACH), 1650toCochrane Circle BldgMedical utilize anContracting ElectronicOffice, Medical Record.

7) The HCPHospital shall be required meet Continuing 7500, Fort Carson CO 80913 Attn: Christina McMurtry. Prospective candidates must register Education (CME) requirements in AR 351-3 or as determined by the provider’s State of licensure, with the System for Award Management database at https://www.sam.gov prior to contract whichever is more stringent. award.

Packets should be sent in sufficient time to ensure arrival at EACH by the specified closing date of January 4, 2015. Interested individuals contact Ms. Christina McMurtry, christina.m.mcmurtry.civ@mail.mil, (719) 526-8132toforthe further information.

Applicants shall be evaluated and ranked according above criteria: (a) qualifications, (b) requirements, and (c) past performance. A personal interview may also be required as part of the rating process.

Interested parties must submit their 1) resume/curriculum vitae 2) hourly salary requirements for each contract period 3) a minimum of two professional references to Western Regional Contracting Office, Evans Army Community Hospital (EACH), 1650 Cochrane Circle Bldg 7500, Fort Carson CO 80913 Attn: Christina McMurtry. Prospective candidates must register with the System for Award Management database at https://www.sam.gov prior to contract award. Packets should be sent in sufficient time to ensure arrival at EACH by the specified closing date of January 4, 2015. Interested individuals contact Ms. Christina McMurtry, christina.m.mcmurtry.civ@mail.mil, (719) 526-8132 for further information.

Sunday, Dec 7, 2014

The Gazette · springshouses.com

SH 7

SCHOLARSHIPS for for adults adults (you). (you).

Not Not based based on on high school high school grades. grades.

877-498-1018

CollegeAmerica CollegeAmerica *Scholarship awards are limited & only available to those who qualify

Call to subscribe

1-866-632-NEWS

Call to subscribe:

1-866-632-NEWS

START YOUR DAY WITH EXTRA PAY!

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

• Black Forest • Falcon

• Downtown • Central

• Manitou • Rockrimmon

Must have a vehicle and a valid driver’s license. Must be 21 years or older.

Call or go online for more information about our independent contractor positions!

719-636-0342

www.gazette.com/carriers

EXPLORE YOUR FUTURE!

Be informed

on the go!

Join an Award-Winning Outbound Telesales Team Average pay is 45k and potential is 70k!

For phone or tablet search Colorado Springs Gazette in:

Robust medical,dental, and vision benefits!

Pension and a matched 401(k) plan!

Learn more & talk with our Sales Leaders at our Open House Event!

Thursday, December 11th 10am-12pm & 2pm-6pm 2221 East Bijou Street, Ste. 5 Colorado Springs, CO 80909

WHAT ARE YOU WAITING FOR

Please apply online and complete assessment at http://bit.ly/1yQzRFy or visit our Careers site at jobs.timewarnercable.com & reference Req#159087BR EOE/M/F/D/V

Defining physician-driven, patient-centered healthcare for Southern Colorado communities.

We are GROWING creating more opportunities!

Please visit our website for a full list of job openings.

Job details & apply online at:

www.cshp.net EEO/AAP

8SH

The Gazette 路 springshouses.com

Sunday, Dec 7, 2014

my Life, my Gazette

Used Cars

Be informed

on the go!

Call to subscribe

1-866-632-NEWS

For phone or tablet search Colorado Springs Gazette in:

Sunday, Dec 7, 2014

Used Cars

The Gazette · springshouses.com

Used Cars

Used Cars

Used Cars

SH 9

Used Cars

Delivering:

Community Discussions

my Life, my Gazette

Daily through online commenting, Gazette members let their voices be heard.

It’s time you spoke up too.

To place your ad call:

719-444-SELL

Become a member today at gazette.com/member

Commenting-Member-Aug2014.indd 2

8/5/14 3:06 PM

MAKE A BIGGER IMPACT WITH YOUR DONATION: 100% of your donation goes directly to our El Paso County nonprofit partners.

EVERY DOLLAR YOU GIVE GROWS UP TO 45%:

■ Bruni Foundation Match: $10,000 for every $100,000 ■ El Pomar Foundation Match: $1 for every $3

Now more than ever, our neighbors need our help.

The 31st annual Empty Stocking Fund raises money for 20 El Paso County health and human service agencies on the front lines of helping people in need: ■ American Red Cross, Pikes Peak Chapter ■ Care and Share Food Bank ■ CPCD … giving children a head start ■ Ecumenical Social Ministries ■ Griffith Centers For Children, Chins Up Youth & Family Services ■ Lutheran Family Services Rocky Mountain ■ Marian House, Catholic Charities ■ Mercy’s Gate ■ Partners In Housing ■ Peak Vista Community Health Centers

■ REACH Pikes Peak ■ Silver Key Senior Services ■ TESSA ■ The Home Front Cares ■ The Resource Exchange ■ The Salvation Army of El Paso County ■ Tri-Lakes Cares ■ Urban Peak ■ Westside CARES ■ YMCA of the Pikes Peak Region

Individual Donation $1,000 $500 $250 $100 $50 $25 Other: $ ___________________ Name: _______________________________________________________________________ Address: ______________________________________________________________________ City: _____________________________________State: ______ Zip: ______________________ Phone: ___________________ E-mail: ______________________________________________

Corporate/Organization Donation

$10,000 $5,000 $2,500 $1,000 $500 Other: $ ___________________ Corporation/Organization:___________________________________________________________ Contact: ______________________________________________________________________ Phone: _______________________ E-mail: __________________________________________

Make Your Donation Today

Telephone credit card or stock donations: 719-476-1673 Secure online donations: FillAnEmptyStocking.org Check donations: Make payable to the Empty Stocking Fund Mail-in credit card donations: Credit card number: _______________________________________ Exp. Date: _______________ Security Code digits (3 on back of Visa, MasterCard or Discover and 4 on front of AMEX) ______________ Signature: _____________________________________________________________________ Donors will be acknowledged in The Gazette. Name(s) as you would like it to appear: _____________________________________________________________________________ I wish to remain ANONYMOUS. Mail completed form and payment to: P.O. Box 910942, Denver, CO 80291-0942. Tax receipts will be sent to the name and address above after the conclusion of the campaign. For income tax reporting, telephone credit card donations must be called in by 4:30 p.m. on Friday, December 26. El Pomar Foundation caps its donation at $200,000.

Bruni Foundation caps its donation at $70,000.

HOW YOU CAN HELP: FillAnEmptyStocking.org

EmptyStockingFund

@esfsprings

# esfsprings

10SH

The Gazette 路 springshouses.com

Sunday, Dec 7, 2014

Sunday, Dec 7, 2014

Used Cars

To place your ad call:

719-444-SELL

The Gazette 路 springshouses.com

Used Cars

Used Cars

Used Cars

Used Cars

Used Cars

SH 11

Used Cars

Used Cars

Call to subscribe

1-866-632-NEWS

.COM

COLORADO SPRINGS Find Local Events You Wish You Knew About

12SH

The Gazette · springshouses.com

Used Cars

Used Cars

Used Cars

Used Cars

Used SUVs

Used SUVs

Sunday, Dec 7, 2014

Used SUVs

RV

Used Trucks my Life, my Gazette

Call to subscribe:

1-866-632-NEWS

Call to subscribe

1-866-632-NEWS

PETacular is the passionate pet lover’s directory & quarterly magazine featuring info on local businesses, services, products and education about PETS!

gazette.com/pets /ColoradoPetacular

/PETacularUSA

cal Find Lo ou Y Events u o Y Wish bout A Knew