CSBJ Oct 3.indd

Transcription

CSBJ Oct 3.indd

BANKING
FOCUS
FINANCE
Ent Business Bank’s loans,
BBVA Compass’ leader,
Small Business Association
developments and
advice on car loans.
csbj.com | @CSBizJournal
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VOLUME 25, NUMBER 27 | Oct. 3 - Oct. 9, 2014 | $2.00
Photo by Bryan Grossman
ONE ON ONE
RANDY
BERNSTEIN
Already established
at Ent Federal Credit
Union, Bernstein moves
into the role of
president and CEO.
24
High priority
Workers for Timberline Landscaping, a 23-year-old local company, battle the
arduous task of rebuilding the Manitou Incline before winter weather arrives.
NEWS
PERA
ANALYSIS
Take a closer look, and
you can see that the local
economy may be
much better off
with this outcome.
12
HAZLEHURST
STATE NEWSPAPERS:
BACK TO THE PAST?
By Cameron Moix
[email protected]
There’s a new defense contractor in
town — one with history in Colorado
Springs and potential to be the region’s most-profitable publicly traded
company.
Virginia-based defense contractor
Exelis Inc. officially completed the
spinoff of its Mission Systems government services division at midnight
Friday, Sept. 26, creating Vectrus Inc.
President and CEO Kenneth Hunzeker
estimates that Vectrus will generate between $1.1 billion and $1.2 billion in its
first year of business.
“This is an incredible company with
an incredible history, and we look forINSIDE
Rob Larimer tributes....... 2
6035 Lifestyle ................ 4
Routon on sports ........... 5
YP: O’Brien (right) ........... 6
City Bits .......................... 8
Arts Month .................. 15
Manitou economy......... 16
1
EDITORIAL: COUNTY BALLOT ISSUES 30
ward to staying in Colorado Springs
and working with the community,”
Hunzeker said.
The name of the new company, headquartered in the former Exelis building
at 655 Space Center Drive, is a mashup
of two concepts — “vector,” indicating
a strong sense of direction, and “trust,”
which the company works to instill in
its clients.
“We want to be the trusted partner
of choice,” Hunzeker said. “The name
epitomizes what we do — and what we
want to continue to be.”
Vectrus will continue to offer U.S.
government clients services in infrastructure asset management, logistics
and supply chain management, and information technology and network com-
56525 10751
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Vectrus: Instant major player
6
The Denver Post is on the
market, and that could mean
lots of changes ahead, and
maybe another
surprise encore.
7
munications, while Exelis will continue
to focus on manufacturing and serving
its commercial clients.
The company currently employs 5,600
people, including around 300 in the
Springs, and Hunzeker said recent U.S.
Air Force contracts in Spain and Turkey
are just two examples of the company’s
success amid the split.
“Those contracts are really great for
us as we spin,” he said. “We also plan to
increase our footprint in every state.”
‘The nature of what we do’
Though Vectrus maintains offices
across this country and 17 others, its
home is in the Pikes Peak region.
See Vectrus page 32
2 Oct. 3 - Oct. 9, 2014
Colorado Springs Business Journal
Sign up for the CSBJ Daily Email at www.csbj.com
Tributes to former co-worker at CSBJ
ob Larimer, former managing editor and reporter at the Colorado
Springs Business Journal, died Sept. 24
in a single-car accident in Old Colorado
City when his vehicle veered off West
Colorado Avenue and struck a tree.
Larimer, 40, was a native of Denver
who moved to Colorado Springs in 2002.
He spent time at The Gazette working
for its neighborhood publication, The
Slice. Then he moved to CSBJ from 2004
to 2013, first as a reporter and the final
six years as managing editor. A resident
of Manitou Springs, he left the Business
Journal last October, returned to The
Gazette in November and worked there
until May.
“He had a lot of positive relationships
with so many people, and he did a great
job of representing the Business Journal,
especially among the business community,” said Ralph Routon, Business Journal
executive editor. “This just feels so terrible for his family; he was completely
involved with his girls.”
Larimer is survived by his wife,
Michelle Beckmann, and their twin
daughters, Rachel and Gretchen. There
will be a service of remembrance followed by a music jam session from 1-5
p.m. Sunday, Oct. 5, at Venue 515 of the
Manitou Art Center in Manitou Springs.
The two CSBJ staff members who
worked with Larimer the longest, senior writer/columnist John
Hazlehurst and former associate editor
Amy Gillentine, have written personal
tributes to Larimer.
Rob Larimer (1973-2014)
Photo courtesy The Gazette
R
Amy Gillentine
Rob Larimer made an impression on
everyone he met.
And everyone he met became an
instant friend — someone to invite to
Sunday rambles, Fridays at The Famous,
picnics with his family, on-the-spot guitar lessons that turned into hours-long
jam sessions.
Rob was one of those rare people who
never met a stranger. He made new employees at the Business Journal feel like
members of the family, always inviting
them home, giving them nicknames,
teasing about birthdays.
His love for his family and music were
the cornerstones of his existence, and his
example of fatherhood will forever illuminate the lives of his twin daughters.
Rob was a much-loved member of the
Manitou Springs community and a wellknown figure in the local music scene.
A man so full of life, it’s hard to picture
downtown Colorado Springs, Manitou,
or Old Colorado City without him.
News of his death hit those who knew
him hard — we’re all mourning his loss.
But Rachel and Gretchen should know
that their “daddyo’s” generosity of spirit
changed many lives.
He was the kind of man who greeted
every homeless person on Tejon Street
as a friend, and invited those down on
their luck to stay at his apartment for a
few days.
He opened his home to his friends to
share his love of music. When my daughter Taylor first picked up the guitar, Rob
See Larimer page 19
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Oct. 3 - Oct. 9, 2014
3
Best name for a newspaper? It’s now taken
T
here’s a certain slimy literary
genre that newspaper employees
have grown used to in the past decade — the pre-sale, pre-bankruptcy,
pre-termination letter from the boss.
Digital First Media CEO John
Paton sent such a missive to DFM
employees last week.
It’s a classic of its kind, beginning with the fake-friendly, informal opening salutation (“Folks,”) HAZLEHURST
and including the usual obfuscations “DFM is working with the investment bank
UBS to review the strategic alternatives for our
business.
“Strategic alternatives — what does that mean exactly? Well, it could mean we decide to sell the company.
Or sell parts of it. Or expand it. Or stay the course.”
It gets deeper and smellier, ending with a Star Wars
analogy.
“DFM is a company with a successful strategy that
drives results. And that means we now have options —
options that we should now review to determine what
is best for our future.
“After a rocky five years, the newspaper industry is
firmly back on its feet again. As employees, the best
thing we can do while this review is underway is to keep
doing what we have been doing best these past years —
producing unsurpassed local journalism; serving our
customers’ needs and continuing to boldly experiment
with our digital future.”
As Sheridan Whiteside so memorably said: “I may
vomit.”
DFM is an unwieldy assemblage of 76 dailies and 160
weeklies, formally created in 2013 from the wreckage
John
of Media News Group and Journal Register Company.
The present owners aren’t newspaper people (if such
creatures still exist), but hedge funds that specialize
in distressed properties. Led by Alden Global Media,
the money guys bought defaulted debt from lenders,
thereby acquiring the companies.
And now they want to cash out. They’re touting DFM
as a mighty media behemoth, a scaled-up powerhouse
that reaches 67 million readers monthly in 18 states.
Yeah, sure — and are you throwing in a bridge with
the deal?
As industry observer Ken Doctor notes in his
Newsonomics blog on Editor & Publisher, the most
likely outcome of this giant garage sale will be to break up the
company into six “clusters” — and
here’s where it gets interesting.
One of the clusters, the
Colorado/Utah Group, includes
nine Colorado dailies, the Salt Lake
Tribune and a bunch of weeklies.
A potential buyer could pick up,
among others, the Denver Post,
Canon City Daily Record, Boulder Daily Camera,
Longmont Times-Call and Fort Morgan Times.
So who might the buyer be? As Dumbledore might
have said, it will be He Whose Name Must Not Be
Mentioned (at least by The Gazette).
Philip Anschutz.
“Will any billionaires (there are 439 left in the U.S.
without a daily to their name) come out of the blue to
buy DFM properties like the Mercury News — in the
heart of billionaire-rich Silicon Valley — or The Denver
Post?” Phil Doctor asked. “Colorado billionaire Philip
Anschutz, owner of the Colorado Springs Gazette,
seems a likely bidder for the DFM Colorado papers,
turning a key purple state’s press profoundly red.”
Doctor’s source for his speculation: I check and
found it was my CSBJ column of April 3, noting that
DFM was in the process of preparing its properties for
sale, and speculating that Mr. A might be interested
in the Post.
If such sale took place, it would send shock waves
through the Colorado liberal/Democratic hierarchy.
It’s hard to imagine that Denver and Boulder would be
as friendly to Anschutz’s enthusiastically conservative
editorial positions as are Colorado Springs residents,
but it’s equally hard to imagine that they’d do anything
about it.
Might Pat Stryker and Jared Polis
fund a rival daily?
Absolutely, and I have just the
name for it: The Rocky Mountain
News. It’s a name hallowed in
the annals of Colorado newspapers, one fondly remembered by
hundreds of thousands of Denver
residents.
The News closed in 2009, after having been continuously published in Denver since 1859. But I give you
my word: the Rocky will rise again.
I guarantee you it can happen — because I own it.
On Monday, I went to the Colorado secretary of state’s
website and found that the name was available.
I paid the required fee of $25 and reserved it … so,
Mr. A, be ready for an old-fashioned newspaper war.
I’ve got the name, so all I need now to make it reality
is $100 million or so from willing investors.
Pat Stryker and Jared Polis — don’t hesitate to call!
As Dumbledore might
have said, it will be He
Whose Name Must Not
Be Mentioned.
n
CSBJ
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4 Oct. 3 - Oct. 9, 2014
LIFESTYLE
Congratulations to the
winners and a huge
thanks to our sponsors!
Photos by Holveck Designs
Oct. 3 - Oct. 9, 2014
5
Sports can revitalize city’s attitude
T
wo noteworthy
events in the past
week could signal a
better diagnosis for
Colorado Springs.
And no, they don’t
have anything to
do with adding jobs
or attracting new
businesses.
First, last Saturday R O U T O N
night, Air Force football awakened from a long slumber and
laid a 28-14 whipping on heavily favored
Boise State. It was arguably the Falcons’
biggest victory in four seasons, since a
14-7 defeat of Georgia Tech in the 2010
Independence Bowl at Shreveport, La.
This might have meant more because
it came against a team as prominent as
Boise State, which has dominated the
Mountain West Conference and Air
Force since joining the league in 2011.
Also, the win happened before a happy
home crowd of 30,012 — most obviously
coming from this area — as well as a
national TV audience.
Then on Tuesday, a full-house crowd
of hockey aficionados flocked to the
Marriott Hotel for the Colorado Springs
Sports Corporation’s annual preseason
hockey luncheon, focusing on Colorado
College and Air Force.
The 331 attendees listened to both
head coaches, Air Force’s veteran Frank
Serratore and Colorado College’s new-
Ralph
comer Mike Haviland, as they talked
about the season ahead. And though
Serratore always is good for countless laughs, more interest focused on
Haviland, embarking on his first campaign as a college head coach.
Haviland didn’t disappoint, fervently
painting the future in optimistic terms,
promising the “bar is set very high” and
“I didn’t take this job to win in five or 10
years — we want to win now.”
By the time Haviland finished his
15-minute talk, you could tell why CC’s
players and fans are feeling enthusiastic
about the regime change in that program, despite the Tigers being picked
to finish last in the National Collegiate
Hockey Conference.
And for someone who has observed
the local sports scene for nearly 40 years,
those developments are a welcome sight.
This is not about analyzing the local
sports teams in detail. It’s about how
their success — or lack of it — can influence the mood and, to be honest, the
community pride of Colorado Springs.
Let’s go back three decades. In the
early 1980s, Air Force football began
winning consistently, beating Notre
Dame and winning bowl games four
consecutive years, 1982 through 1985.
The city embraced the AFA program,
with more than 40,000 regularly filling
Falcon Stadium. Those were good times
for the region as well, with the economy
humming along.
What always struck me, beginning in
those years, was how Air Force football
pulled together the city and its people
more than anything else. At those games,
everybody was on the same side — not
divided by politics or whatever. When
the Sky Sox appeared, bringing minorleague baseball here
in 1988, that unity
carried over into
more of the year,
especially when the
team won titles in
1992 and 1995.
Also in the 1990s,
Colorado College
hockey re-emerged
as a national power.
That gave Colorado Springs even more
foundation for civic pride, as the Tigers
came within a whisker of the 1996 national championship and became annual
fixtures in the NCAA Tournament.
We came out of that with the new
World Arena, more growth and more
community spirit. Air Force men’s basketball even flourished from 2003-2008,
adding to the atmosphere.
In recent years, though, everything
seemed to deflate at the same time. Air
Force football — and its attendance —
began to falter, as did CC hockey. (Sky
Sox baseball still could draw well despite
not making the playoffs since the 1990s,
but that became more about family entertainment, not local pride.)
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Air Force hockey has been the exception, with a streak of eight winning seasons, but its arena and fan base obviously
are much smaller.
At the same time, we’ve seen a rapid
increase in local antipathy, especially
toward and within the city government.
I’m not saying that’s
directly tied to college sports. But I
am saying that not
having more success and spirit for
the area teams took
away an important,
underappreciated
ingredient that was
so good for the region’s psyche over the past generation.
Now, perhaps we’re seeing the start of
another turnaround.
As Serratore said, bluntly but smartly,
at the luncheon Tuesday, “We all need
Air Force football to do well.”
When that happens, and when
Colorado College hockey also is winning, more businesses jump on board
with sponsorships, more people spend
their extra money going to games, everyone cheers together ... and Colorado
Springs pulls together — not apart.
I’ve seen it happen too many times,
here and elsewhere. Sports, especially
college teams, have that kind of power.
And if it really is making a comeback,
we will benefit. Just watch. CSBJ
At those games,
everybody was on
the same side — not
divided by politics or
whatever.
n
6 Oct. 3 - Oct. 9, 2014
By Cameron Moix
[email protected]
B
eth O’Brien doesn’t look back — a trait she has acquired through her role as
a triathlete, and one she carries with her to work at Colorado Springs Health
Partners. O’Brien, 33, came to Colorado Springs seven years ago after growing up
in upstate New York and graduating from Savannah College of Art and Design in
Georgia. Despite initial struggles breaking into the market during the economic
recession, she became more connected to the athletic community through her
work at Colorado Running Company and eventually found work as a graphic
designer and marketing coordinator for CSHP. O’Brien spoke to the Business
Journal this week about her five years at CSHP, her passion for fitness and being
a Colorado transplant.
Can you tell me about your
background and how you came
to work for CSHP?
I grew up in upstate New York in the Hudson
River Valley ... and decided that I wanted something completely different when I left for college,
so I went to Savannah College of Art and Design
in Georgia. I graduated in 2003 and got a great
job as an in-house designer for AT&T and was a
graphic designer there during the big BellSouth
merger. I spent almost four years with them before
I moved out here with my ex-husband in 2007. The
economy was obviously horrible then, and I had
a hard time finding a job that would rival AT&T. I
ended up getting a job at a small company here
and they laid me off after about 10 months, which
was actually a blessing in disguise. That’s when I
started working for Colorado Running Company,
just to make ends meet, and put together their
website and I worked on the retail side of something that was my passion — running. I really
found my niche here working for them, and I still
do some work for them. ... It had been about two
years, and the economy started to get better, when
I saw a listing that CSHP had posted online for a
graphic designer and marketing person. I applied,
got the job, and October will be my five-year anniversary with CSHP. It has been a fun ride so far.
ACCELERATE
How does working for CSHP compare to
AT&T and other jobs you’ve had?
It’s very interesting, and I love it. ... Here it is
about being flexible and being knowledgable
about the industry, and also what you do. What I
love about it is that it’s not the same thing every
day. Some days I will be at a health fair, while others
I will be designing health pamphlets for patients
or a new brochure because there is something
new with the Affordable Care Act that is going to
affect our patients. So I use my skills as a graphic
designer to help people understand health care
systems. It’s an awesome place to be.
Graphic design and marketing coordination
seem like two sides to the same coin.
It is almost the best of both worlds: I love being
social and being connected and the dynamic of
all of that, but I also love to design, and that’s why
I do what I do. This is such a great combination of
those two things.
How long have you been interested in running, and how did you become a triathlete?
I ran cross country and track all through high
school, and I played basketball during the wintertime to keep myself in shape. I carried that through
college, but when I started at SCAD they didn’t
have a cross-country team yet, just a running club.
... Then my freshman year, the running club became a team. As soon as I found that out, I joined
See O’Brien page 17
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Photo by Cameron Moix
Health and fitness help O’Brien
feel at home in Colorado
Oct. 3 - Oct. 9, 2014
7
SMALL BUSINESS
Timberline Landscaping Inc.
Established: 1991
Employees: 105
Website: timberlinelandscaping.com
Timberline Landscaping crew has been working to mitigate erosion on the Manitou Incline, an iconic fitness landmark that needed much repair.
Phone: 638-1000
Timberline takes work to new heights
By Bryan Grossman
[email protected]
The view from Tim Emick’s office is better than yours.
Situated between timbers 1,625 and 2,137 on the
Manitou Incline, Emick and his army, also known as
Timberline Landscaping Inc., are tackling the most
challenging and publicly visible project in the company’s 23-year history.
Emick, who owns and co-founded Timberline
Landscaping, won the $1.5 million project to reconstruct the steepest and most eroded portion of the
legendary fitness attraction. The Nov. 30 deadline for
completion is fast approaching.
Base camp
What began in 1991 as a two-man residential landscaping operation has grown
to more than 100 employees during the
peak of landscaping season. Timberline
offers landscaping, maintenance and
decorating services.
Emick
When not clinging to the side of a
mountain, Emick runs operations from his office at
2480 North Powers Blvd., where he’s been based since
1997.
From there, he orchestrates projects that include
residential and commercial construction and landscaping; landscaping maintenance in conjunction with
local builders and property managers; the building and
maintenance of several city parks; irrigation repair,
seasonal commercial and residential holiday decorating and snow removal.
Judd Bryarly, vice president of
Timberline Landscaping, said the company hit peak employment in 2006 with
more than 120 on staff. Two years later,
because of the recession, revenue had
dropped 30 percent and a reduction in
Bryarly
employees followed. Bryarly said commercial properties
cut back on holiday decorating, and city park contracts
fell drastically.
“In the past three years it’s been growing,” he said of
the economic recovery. “We’re very close to [pre-2007]
numbers this year.”
Bryarly said he is already receiving requests for commercial holiday decorating, and when the snow falls,
Timberline’s snow-removal capabilities include a 22-truck fleet and 40
total pieces of snow removal equipment. With subcontractors, Emick
said Timberline will service more
than 100 commercial and residential
properties during winter months.
Under pressure
was, even since Timberline first bid the project.
“That changed the scope of work,” he said. “We had
to bring in a lot more fill material than we anticipated.
We’ve used just over 400 tons so far and have another
400 tons to go. We’ve also used hundreds of thousands
of pounds of timbers, and spikes, and rebar, and pipe,
and concrete, and water, and food. We go through 60
to 70 gallons of water a week.”
The bulk of the lift ing comes
from Rampart Helicopter Services,
which Timberline subcontracts for
its airdrop operations — including
80 precision drops during one day
in September.
Emick said he’s positive about
his vision of the completed project.
“It’s interesting because so many
people have different views of what
[the incline] should be, from people
saying not to touch it at all to some
who say to put in stairs and make
it easier. Some people have said to
put in a zipline. We’re trying to
keep some of the initial characteristics of the incline
in place, and that’s challenging.”
Bryarly said, no matter the vision, the public as a
whole has been very supportive.
“What’s amazing to me has been the respect from
the community,” Bryerly said. “We expected a lot of
resistance and people climbing it regardless of work,
and we haven’t seen that.”
Emick added that, whether landscaping a city park,
a neighborhood or a regional landmark, the goal is
the same:
“Our vision is to create a little bit of heaven; to give
people a sense of comfort whether it’s in their backyard or parks in their neighborhood or the incline,”
Emick said.
“That’s somebody’s piece of heaven. To be a part of
that and be outdoors, that’s what it’s about.” CSBJ
“We had to bring in a lot
more fill material than
we anticipated. We’ve
used just over 400 tons
so far and have another
400 tons to go.”
“There’s pressure,” Emick said of
hitting his Nov. 30 Manitou Incline
deadline. “I just got to a comfort
– Tim Emick
level this week. I don’t express it to
too many people but [the pressure
the first few weeks was] tremendously heavy on my
shoulders and head and heart — everything.”
He said the project had to be completed from their
starting point to the Barr Trail bailout, including several
new timbers and erosion walls, by the end of September.
They reached that milestone, but the work, Emick said,
has presented challenges unlike anything else.
“The logistics of the project are enormous,” he said.
“Not only the physical part of it, but the mental part of
it. [The incline] is close but it’s remote. Everything has
to be flown in by helicopter or packed in on your back.”
Emick said the first day on-site meant all crew members carried in 60 pounds of gear.
“It took two and a half hours to get to the work site,
and we were exhausted,” he said. “It’s a 10-hour workout
every day. I’ve lost 20 pounds.”
Emick said he was surprised by how bad the erosion
n
8 Oct. 3 - Oct. 9, 2014
Photos by R. Wiley
CityBits
The Business Journal staff reports
TechWise group poses with Mayor Steve Bach (from left): Chad Messina, J Chesney, Becky
Mitchell, Shelley Dunkle, Bach, Jodi Sturghill, Conor Cusick, Mike Boatner.
Air-duct companies banned, ordered to pay $150,000
Mayor Steve Bach speaks at reception honoring TechWise as a Colorado company to watch.
B&Co. salon to host CASA fundraiser
A new hair “lounge” on downtown’s south side is having a grand opening
celebration from 6-9 p.m. Saturday, Oct. 4. The event at B&Co., 125 E. Costilla
St., is free, but donations will be accepted throughout the evening to benefit
CASA of the Pikes Peak Region.
The event will include fantasy hair art models, a variety of product and
service giveaways, a DJ with dancing, a photo booth, appetizers and signature cocktails. CASA of the Pikes Peak Region is a charity near to owner
Brittany Jones’ heart, and her salon recently provided the hair services for
CASA’s Project Funway event. The salon, with a wide array of hair services
for women, men and children, also provides ongoing complimentary hair
services for foster teens on a monthly basis.
“These kids are so amazing, they are so gracious,” Jones said. “It was humbling and so rewarding to provide this service for them, and to see their faces
light up seeing themselves in the mirror. CASA is such an important cause,
I want to support them in any way I can.”
— Bryan Grossman
Palmer Land Trust dinner champions conservation
Registration for Palmer Land Trust’s fift h annual Southern Colorado Conservation
Awards (SCCA) is open. Register online at palmerlandtrust.org. The event, featuring a farm-to-table dinner and a film highlighting the work of this year’s winners,
will take place Thursday, Oct. 16, at 5 p.m. at the Cheyenne Mountain Resort, 3225
Broadmoor Valley Road.
Each year, Colorado loses an average of 90,000 acres of land to development,
Palmer Land Trust said in a news release. Land conversion impacts Coloradans’
“very own identity in the West by converting large open spaces, significant wildlife
habitat, recreational opportunities, historic farms and ranches, and those scenic views
that fill our backyards,” the release said. “But each year, Southern Colorado tackles
those threats with some of the greatest successes in land and water conservation.”
This year’s award recipients are Steve Wooten, the Stuart P. Dodge Award in
recognition of lifetime achievement; Nancy Butler, executive director of the Rio
Grande Headwaters Land Trust, The Friends of Open Space Award in recognition
of recent land protection achievements; The Coalition of the Upper South Platte,
Stewardship Award in Conservation; Mile High Youth Corps, Colorado Springs,
Stewardship Award in Education in recognition of exceptional environmental
stewardship; Gary and Georgia Walker of Turkey Creek Ranch, the Innovation in
Conservation Award in recognition of innovative projects and programs; and Scott
Campbell, honorary recognition.
— Marija B. Vader
Colorado Attorney General John Suthers announced Tuesday that a Denver
District Court Judge has permanently barred Andre Shatyko and Alexander
Kurdyukov and their companies, Seabreeze Air LLC, Seabreeze Air, Quality
Air, Quality Air LLC and Fresh Air LLC from advertising or performing airduct cleaning services in Colorado.
Using Groupon, LivingSocial and ValPak, Seabreeze offered services at
low prices with no intention of honoring the advertised rate, a release from
Suthers’ office said. The ruling closes a civil lawsuit filed last November by
the Consumer Protection Section of the Attorney General’s Office.
“Consumers let us know there was a problem with Seabreeze and after we
investigated, it was clear that this company lied about its rates and capabilities,” Suthers said.
Shatyko and Kurdyukov were ordered to pay the state $916,000 for charging
more than advertised and performing services of little or no value. Under the
order, the state receives $150,000 soon, the rest will be forgiven.
Suthers’ office warned consumers to be wary of air-duct cleaning companies
whose promises seem too good to be true. In the event of a possible scam,
complaints can be fi led with the Consumer Protection Section by calling
800-222-4444 or online at coloradoattorneygeneral.gov/complaints.
— Ralph Routon
Airport to offer free parking in November, December
As an enticement for travelers, the Colorado Springs Airport announced this
week it will provide free short-term and long-term parking for the holiday season, plus 50 percent off for valet parking. The free offer will continue for two full
months, from Nov. 1 through Dec. 31.
In a release, airport officials said the benefit was offered “to show appreciation
to our community for continued patronage. COS plans to bring further offers
and promotions throughout the holiday season.”
In a separate announcement, the airport said it has achieved official registration as an Aviation Development Zone from the Colorado Office of Economic
Development & International Trade. This state program is complementary to the
Commercial Aeronautical Zone programs recently approved by Colorado Springs
and El Paso County. In addition to the commercial zone’s local sales and use tax
abatement and rebate, the state zone provides a state income tax credit of $1,200
per new employee of eligible aviation businesses at the airport.
— Ralph Routon
Local workers average $21.83 an hour
According to U.S. Bureau of Labor Statistics’ data, workers in the Colorado
Springs Metropolitan Statistical Area had an average (mean) hourly wage of
$21.83 in May 2013, slightly below the nationwide average of $22.33.
One occupational group — computer and mathematical — was chosen to
illustrate the diversity of data available for any of the 22 major occupational
categories. Colorado Springs had 12,660 jobs in computer and mathematical
fields, accounting for 5.1 percent of local area employment, significantly higher
than the 2.8-percent share nationally. The average hourly wage for this occupational group locally was $40.16, compared to the national wage of $39.43.
With employment of 2,520, soft ware development was one of the largest
occupations within the computer and mathematical group, as were computer
systems analysts (1,650) and network and computer systems administrators
(1,250).
— Bryan Grossman
Oct. 3 - Oct. 9, 2014
9
Compiled by Marija B. Vader
PEOPLE
ON THE
Jeff Johnson will join The Broadmoor as vice
president of marketing and sales. Johnson most
recently served as chief strategist at HyperDisk
Marketing, a digital marketing agency for hospitality brands.
Cynthia Stanley-Lee, CSM CMD, joined The
Johnson
Citadel as the shopping center’s general manager. She had
previously worked as the general manager and marketing
manager of Meadows Mall in Las Vegas.
The Broadmoor Pikes Peak International
Hill Climb hired Mitch Snow as director of
promotion and legacy. Snow is studying for
a degree in studied communications with a
minor in business administration at Colorado
State University.
MOV E
KU D OS!
Victoria Houston has joined MacSuperstore as store manager
for its Colorado Springs location at University Village on North
Nevada Avenue. She will lead the sales team and continue
engagement with the Colorado Springs community. Houston
joins MacSuperstore from Verizon Wireless, where she won
numerous awards and was recognized as a top performer.
Sharon Walker, senior mortgage banker at Peoples Bank received recognition
as a Five Star Mortgage Professional from
the Five Star Professional organization.
Walker has been with Peoples Bank 20
years. She attended Regis University.
Erik Eliasen, who works in the Colorado
Springs office of Universal Space Network, has
been promoted to vice president of National
Security Space Programs for USN. He recently
led USN’s effort to win the Air Force Satellite
Control Network (AFSCN) commercial provisioning study contract.
DLR Group is one of three fi rms
nationally to win this year’s NAIOP
Commercial Real Estate Development
Association Build-Out/Interior Design
Competition. Invited architectural firms
and design teams worked with developers and owners to conceptualize and
design the optimal interior/build out
Class “A” office space of a multitenant
office building, preferably by utilizing
adaptive reuse and redevelopment techniques. Concepts will be presented Oct.
28 at “ Development ‘14: The Meeting
for Commercial Real Estate,” in Denver.
Eliasen
Realtor Caitlyn Felton recently joined the Berkshire Hathaway
team downtown.
Snow
Submit items for People on the Move to [email protected].
On the Horizon
Oct. 6
Job loss to search
From job loss to job search workshop, from 2-4 p.m., Pikes Peak
Workforce Center, 1675 Garden of the
Gods Road, Ste. 1107. Free. To register,
ppwfc.org.
Oct. 7
Business and arts lunch
Hosted by the Colorado Springs
Regional Business Alliance and the
Cultural Office of the Pikes Peak
Region, the Business and Arts Lunch,
Hotel Elegante, 2886 S. Circle Drive,
registration 11:30 a.m., lunch at noon,
$40. To register, https://coloradospringscococ.wliinc23. com/events/
Business-Arts-Lunch-1903/register.
Oct. 8
Job fair
The Pikes Peak Workforce Center’s
job fair, from 11 a.m.-3:30 p.m., Hotel
Elegante.
Disaster mitigation
Workshop on planning and
preparedness in business, free,
Ent Federal Credit Union, 7350
Campus Drive. To register, https://
clients.coloradosbdc.org/ reg.
aspx?mode=event&event=70330393.
Oct. 9
Breakfast
Have Breakfast with the Journal:
Stormwater panel, from 7-9 a.m. at the
Mining Exchange Hotel, $25. RSVP
at csbj.com.
Personality and career
Take the Myers-Briggs Type
Indicator test to determine how your
personality will work with your career, from 10 a.m.-noon, Pikes Peak
ppwfc.org.
Workshop with Tracy Miller of
the Tracy Miller Gallery on making art a business, from 9-11 a.m.,
$20, 1675 Garden of the Gods
Road, Ste. 1107. To register, https://
clients.coloradosbdc.org /reg.
Networking” luncheon at 11 a.m. at
the Hotel Elegante Conference & Event
Center, 2886 S. Circle Drive. Featuring
De bbie Whitlock, Seattle radio show
host and finance expert, who is presenting “For the Love of Money;
What Every StartUp, Solopreneur &
Small Business Owner Must Know to
Channel Their Inner CFO.” Tickets are
$39-$49 and registration is required.
For more: eWom enNetwork.com/
chapter/colosprings.
Oct. 10
Oct. 20
Economics
Job loss to search
Business of art
Southern Colorado Economic
Forum, from 7-11:30 a.m., Antlers
Hilton, 4 S. Cascade Ave., $75. To
register, https://s08.123signup.com/
servlet/ SignUpMember?PG=153290
1182300&P=15329011911428204800.
Oct. 15
Financing options
Workshop for small businesses
in Woodland Park, from 9 a.m.noon, Ute Pass Cultural Center, 210
E. Midland Ave., Woodland Park,
$20. To register, go online to
clients.coloradosbdc.org.
Oct. 16
Conflict resolution
The Colorado Conflict Resolution
Conference at Colorado Technical
University, from 8:30 a.m.-4 p.m. at
4435 N. Chestnut St., cost is $35 for the
general public and $25 for students. To
register, phoenixstrategiescolorado.
com and click on the link by Oct. 14.
Oct. 17
Networking
luncheon
eWomen Ne twork “Accelerated
a.m.-noon, Pikes Peak Workforce
Center, 1675 Garden of the Gods Road,
Ste. 1107. Free. To register, ppwfc.org.
Social media
Learn how to expand business
connections through social media
workshop from 2-4 p.m., Pikes Peak
ppwfc.org.
Nov. 4
Breakfast of Champions
From job loss to job search workshop, from 2-4 p.m., Pikes Peak
ppwfc.org.
Peak Vista’s 10th annual Breakfast
of Champions will take place at the
Broadmoor International Center.
Keynote speaker is tennis champion
Venus Williams. For tickets, visit peakvistafoundation.org or call 344-6605.
Oct. 23
Nov. 8
Personality and career
Love a parade
Take the Myers-Briggs Type
Indicator test to determine how
y o u r personality will work with
your career, from
2-4 p.m., Pikes
Peak Workforce
Center, 1675
Garden of the
Gods Road, Ste.
1107. Free. To register, ppwfc.org.
Oct. 27
Apply for
federal jobs
How to apply for
federal jobs workshop, from 10
Veteran’s Day Parade, 10 a.m., Tejon
Street, from St. Vrain Street to Vermijo
Avenue.
Nov. 19
Steps to owning a business
Workshop for people serious about
starting a business, 11:30 a.m.-1 p.m.,
lunch not provided, $15, 1675 Garden
of the Gods Road, Ste. 1107. To register,
https://clients.coloradosbdc.org/ reg.
Dec. 4
Steps to owning a business
Workshop for people serious about
starting a business, 11:30 a.m.-1 p.m.,
lunch not provided, $15, 1675 Garden
of the Gods Road, Ste. 1107. To register,
https://clients.coloradosbdc.org/r eg.
Submit items for On The Horizon to
[email protected].
10 Oct. 3 - Oct. 9, 2014
Paid Advertisement
THE 5TH ANNUAL
SOUTHERN COLORADO
The Stuart P. Dodge Award ~
Steve Wooten, Beatty Canyon Ranch
2014 Southern Colorado
Conser vation Awards
Presented by
PALMER LAND TRUST
Thursday, October 16, 2014
Cheyenne Mountain Resort
Cocktails at 5 pm
A Farm-to-Table dinner will be served at 6 pm
$75 per person ($35 young professional ticket, call for details)
For reservations or more information about this event and
award winners contact Palmer Land Trust at 719-632-3236
ext. 102 or visit palmerlandtrust.org.
The Stuart P. Dodge Award honors an individual or entity for
a lifetime record of conservation achievement. The award is
inspired by Stuart P. Dodge, whose
exceptional service to Colorado
set a benchmark for conservation
leadership throughout the state.
A fourth-generation member of a southeastern Colorado ranching family,
Steve Wooten placed a conservation easement over much of the Beatty Canyon
Ranch with Colorado Open Lands, one of the earliest and largest in southeastern
Colorado. He recognized that a conservation easement was only one part of securing his familyʼs connection to the land. The economic realities of ranching required
innovative approaches to making a sustainable future not only for his family, but
equally important, for the southeastern Colorado community as a whole. Steve
has been a leader in developing and promoting economic opportunities based on
the wealth of natural, historic, and cultural resources throughout the southeastern
Colorado region, building a ranching and nature tourism enterprise. This leadership
includes introducing the arts and birding communities to Southeast Colorado, and
forging one of the largest and most effective landowner partnerships under Colorado Parks and Wildlifeʼs Ranching for Wildlife hunting program.
The Friends of Open Space Award~
Nancy Butler, Rio Grande Headwaters
Land Trust
E ve n t B e n e fa c t o r s :
The Friends of Open Space
Award honors an individual
or organization for efforts
contributing to the protection of a significant property
or important landscape in
southern Colorado.
Film Sponsors:
Helen McCaffery
Insert Underwriters:
COLORADO SPRINGS STATE BANK
Colorado Springs State Bank honors the 2014 Southern Colorado Conservation Award winners for striving to protect Southern Colorado’s
precious resources. Colorado Springs State Bank understands the effort
required to succeed and makes decisions locally to support the Pikes
Peak Region with their financial needs to achieve results. Through local
leadership, Colorado Springs State Bank offers a full range of commercial and consumer products, as well as investment and trust services,
providing the personal service you deserve. Join us for a cup of coffee
at 3110 N. Nevada Avenue, Colorado Springs or call 719-473-2000 for
more information about our services.
Nancy has served as Executive Director of the Rio Grande
Headwaters Land Trust (RiGHT)
since 2002. Under her leadership,
the local land trust has grown to
serve six counties of the San Luis
Valley, and inspired the convergence of land and water protection across the broader region.
RiGHT and partners are close
to achieving their initial goal of
protecting 25,000 acres of the
Rio Grande and tributaries, with
over $40 million in conservation
achieved. The demand for conservation along the Rio Grande, and
increasingly along the Conejos
River, the largest tributary, continues to be strong. Nancy, along
with the RiGHT staff and Board,
continue to address that interest
one ranch at a time.
Paid Advertisement
Oct. 3 - Oct. 9, 2014
11
CONSERVATION AWARD WINNERS
The Stewardship Award ~
Coalition for the Upper South
Platte, Stewardship
The Stewardship Award honors individuals or organizations that have
positively impacted the land and the way members of our communities understand and respect their relationship to the land.
CUSP has served Coloradoʼs Front Range with projects and programs that implement innovative, state-of-the-art, post-fire recovery and flood mitigation strategies.
CUSP is recognized for their commitment to land and water resources stewardship,
specifically in the Upper South Platte watershed. It is an invaluable organization
within Colorado that can quickly advance pre-fire mitigation projects as well as
provide communities with immediate assistance for post-fire recovery efforts, as
demonstrated following the Waldo Canyon Fire. They were among the first groups
to warn the cities of Manitou Springs and Colorado Springs about the danger of
post-fire flooding during last yearʼs high-rainfall season. Not only were they ready
to assist post-floods, but they were on the ground assisting these communities before it even happened.
The Innovation in Conservation Award ~
Gary & Georgia Walker, Turkey
Creek Ranch
The Innovation in Conservation Award honors an individual, group,
project, or program that has advanced the cause of conservation
by developing new conservation models, created new conservation
funding mechanisms, and/or implemented unique conservation
partnerships that protect our natural heritage.
The Turkey Creek Ranch is 65,000 acres located between U.S. Armyʼs Fort
Carson and the growing urban community of Pueblo West. The Ranch is an
area of intact natural systems, native species, and quiet, open spaces. The
Walkers have spent more than 50 years protecting the biodiversity of this
working ranch by building partnerships with nationwide conservation groups
and governmental entities. Years of perseverance and hard work have resulted
in over 21,888 acres of permanent conservation easements, safeguarding
shortgrass prairie, juniper woodland, riparian area, and populations of rare
plants for future generations. Additionally, the Walkers became the first private
landowners in the nation to reintroduce black-footed ferrets on their lands (55
in total) under a cooperative Safe Harbor Agreement with the Fish and Wildlife Service. This reintroduction represented the return of the species to eastern
Colorado for the first time in more than 80 years.
Mile High Youth Corps –
Colorado Springs, Education
For the past 21 years, Mile High Youth Corps – Colorado Springs (MHYC) has
had immeasurable impact not only on the land, but on local youth by providing opportunities for Southern Colorado youths to work alongside conservation
managers in crew-based environmental rehabilitation, habitat restoration, and fire
mitigation and restoration projects throughout the Pikes Peak Region. This past
year, the MHYC crews spent over 23 weeks in wildfire restoration and mitigation
projects that directly benefited our
local communities, especially those
hit by the wildfires in Colorado
Springs and Cañon City, as well
as in vulnerable open spaces that
we all hold dear to our hearts –
Section 16 and Red Rock Canyon.
But they donʼt just tackle wildfires.
Last year they removed invasive
species in riparian areas along
the plains, built over seven miles
of sustainable trails in the National Forest, and removed miles of fence to improve
wildlife habitat in Pueblo County.
Palmer Land Trust will also recognize former executive director, Scott
Campbell, at the event for his years of work within the organization,
specifically regarding his efforts focused on the Protect the Peak Initiative
and the Lower Arkansas Valley Initiative.
About Palmer Land Trust:
Palmer Land Trust has been protecting the places you love since 1977. Throughout the
Greater Pikes Peak Region, Palmer Land Trust has helped individuals and communities
conserve more than 76,000 acres of public open spaces, historic farms and ranches, critical habitat, and stunning scenic vistas. From the subalpine meadows surrounding Pikes
Peak to the shortgrass prairie of the lower Arkansas Valley to those special parks where
hundreds of thousands of visitors come each year - Red Rock Canyon, Stratton Open
Space, Section 16 - Palmer Land Trustʼs work guarantees that the lands you love will be
here for generations to come.
12 Oct. 3 - Oct. 9, 2014
ANALYSIS
PERA outcome likely best for Springs
By John Hazlehurst
[email protected]
O
ne of the hoariest tenets of economic development
has to do with “primary” jobs.
Such jobs are prized because they bring new revenue
into a regional economy, spurring local demand for
goods and services.
Increased demand encourages non-primary employers to add workers and expand their facilities, thereby
creating more secondary jobs.
Colorado Springs boomed in the
1990s because primary employers
such as Focus on the Family and
Intel moved here. Our short-lived,
high-tech manufacturing boom
crested at the turn of the century,
when more than 20,000 well-paid
industry workers called Colorado
Springs home.
When the industry collapsed
in the early 2000s, other primary
employers took up the slack. Fort
Carson added thousands of activeduty soldiers and local military
contractors grew apace, fueled by
a decade of war in the Middle East.
But we’re still struggling now to
re-balance our economy.
We want more entrepreneurs,
more young professionals, more manufacturers, more
varied visitor destinations and more sources of venture
capital.
We’d like to find a few more folks like billionaire Philip
Anschutz to invest hundreds of millions in our city and
help make it the shining city on the hill that General
William J. Palmer envisioned a century and a half ago.
Laudable goals, to be sure — but maybe we’re not
focusing on the right metrics.
Follow the money
Consider the basic measure of money circulating
through the regional economy. The more people who
have money to spend, the more will be spent. Rich people
don’t drive America’s dominant consumer economy —
that’s up to the middle and working classes.
As Silicon Valley billionaire Tom
Steyer noted in a recent opinion
piece, he doesn’t buy any more pairs
of pants than a guy whose income
or net worth is a tiny fraction of his.
Similarly, if I won $250 million playing Powerball, I’d invest most of it.
Sure, I’d buy a new car, fix up my
house and live a little larger than I
do now — but that’s it.
But if 250,000 Colorado Springs
residents each won $1,000, that
would create a nice mini-boom in
clothing sales — as well as consumer
goods and services of every kind.
So rather than focusing solely on
regional demographics or business
profiles, we should also ask some
simple questions:
Where does the money come from? Where does the
money go? Given that an increasing number of local
residents are 50+, 60+ and older, how do they get by?
We know some of the answers.
The military retirement system, described by military.
Had the city prevailed,
a cascade of similar
withdrawals from the
system might have
precipitated the collapse
of the plan, which is not
currently sustainable
without continued
employee-employer
contributions.
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com as “arguably the best retirement deal around,” offers those who serve 20 years or more a pension and
benefits that start on the day you retire. Social Security
kicks into full gear at 66 (or as early as 62, with a lower
monthly payment). Private savings and other pension
plans help many of us to enjoy a reasonably comfortable,
pants-buying retirement.
The aggregate economic impact of such payments is
enormous.
PERA’s local impact
Let’s consider the local economic impact of just one
major pension plan, which provides annual benefit payments of $392.9 million to more than 10,000 Colorado
Springs residents. The average monthly payment is
$3,056.
A third-party economic and fiscal impact analysis
commissioned by the pension plan suggests that these
payments create $490.7 million in total economic output,
supporting 2,482 jobs, added value of $179.9 million,
labor income of $95.8 million and $30 million in state
and local tax revenue.
That’s what the Colorado Public Employees’ Retirement
Association fund contributes to the local economy, according to PERA figures. And since the retired public
employees who receive PERA benefits did not contribute
to Social Security during their PERA-eligible employment, those payments are crucial to recipients.
PERA is a defined-benefit plan, a pension structure
that private companies have largely abandoned in favor
of defined contribution systems, or no system at all.
That makes the city’s two-year battle with PERA all
the more incomprehensible and short-sighted. Had
See PERA page 13
Oct. 3 - Oct. 9, 2014
13
Photo by xxxxxxxx
PERA:
Disaster
avoided
From page 12
Memorial Hospital’s transfer to University of Colorado Health led to the city’s differences with PERA, leading to the $190 million settlement.
the city prevailed, a cascade of similar
withdrawals from the system might have
precipitated the collapse of the statewide
plan, which is not currently sustainable
without continued employee-employer
contributions.
Although the city had received $259
million in an escrowed payment from
University of Colorado Health to satisfy
Memorial Health System’s PERA obligations, the city went to court, claiming that
it owed nothing.
Opposing the suit, PERA asserted that
the city owed it $185 million, the sum
needed to satisfy present and future memorial beneficiaries.
The city’s claims were summarily rejected in court, but the city persisted until
settling last month for $190 million.
Defunding PERA, which provides
benefits to 103,203 Colorado residents,
would be catastrophic to the state and
local economies. If benefit payments were
reduced by one-third, the impact would
have been substantial — far greater than
any economic benefit the city might have
reaped by an additional $190 million in
funding for the city’s health foundation.
By law, such foundations must make
annual grants at least equal to 5 percent
of their assets. Based on that, $190 million would fund around $9.5 million in
annual giving — a substantial sum, but
one that is insignificant compared to the
$392.9 million that the city was willing
to put at risk.
And although the final settlement
amount was slightly more than PERA
originally sought, the city still managed
to deprive PERA of tens of millions in
investment returns.
PERA’s investment portfolio returned
15.6 percent in 2013, up from 12.9 percent
in 2012. Had the city not embarked upon
its quixotic suit, the fund might have increased the $190 million by as much as
$52 million. Instead, the escrowed funds
returned a minuscule 0.39 percent while
the outcome was in question.
City officials and others who supported the lawsuit still believe they were in
the right. In their view, PERA is an underfunded Ponzi scheme, a lumbering
dinosaur that deserves extinction. The
nine members of City Council, the body
that authorized the suit, will not publicly
discuss the genesis of the lawsuit or the
reason that it was settled.
That may be wise. The oldest continuing criminal enterprise in America, the
Mafia, has always held its members to
the code of omerta — silence.
And if you’re in the business of stealing from pension funds, you probably
shouldn’t brag about it. CSBJ
n
14 Oct. 3 - Oct. 9, 2014
KEYNOTE SPEAKER:
Gary Schlossberg,
Senior Economist,
Wells Capital Management
18th Annual Southern Colorado Economic Forum
College of Business and Administration
University of Colorado Colorado Springs
Friday, October 10, 2014
7:00 a.m. - 11:30 a.m.
Agenda
7:00 a.m. - 7:30 a.m. Registration
7:30 a.m. - 8:00 a.m. Breakfast
Welcome: Ron Chernak, President, FBB Group, Ltd., Pam Shockley-Zalabak, Ph.D., Chancellor, UCCS,
and Venkat Reddy, Ph.D., Dean, College of Business and Administration, UCCS
Heritage Ballroom
Antlers Hilton Hotel
4 South Cascade Ave.
Colorado Springs, CO
Introduction of Keynote Speaker: Bruce Panter, Business Banking Manager, Wells Fargo
8:00 a.m. - 9:00 a.m. Keynote Address: National and International Outlook
Gary Schlossberg, Senior Economist, Wells Capital Management
9:00 a.m. - 9:45 a.m. Forum Results: Economic Conditions in the Pikes Peak Region and Outlook for the Next 12 Months
Tatiana Bailey, Ph.D. and Tom Zwirlein, Ph.D., College of Business and Administration, UCCS
Platinum Level Sponsors:
9:45 a.m. - 10:00 a.m. Audience Question and Answer Session
10:00 a.m. - 11:30 a.m. Business Symposium: Catching the Colorado Wave: Entrepreneurship and Innovation
in Southern Colorado
Moderator: Steve Bigari, CEO and Founder, Stellar Restaurant Solutions
Harry Horowitz, Senior Manager for Advanced Industries for the Colorado Office of Economic Development
and International Trade
Tom Neppl, President and CEO, Springs Fabrication
Randy Scott, President, Southern Colorado Business Partnership
Karla Tartz, Former Deputy Director, Colorado Office of Economic Development and International Trade
Founding Partner
University of Colorado
Register Online: www.SouthernColoradoEconomicForum.com
Boulder Colorado Springs Denver Anschutz Medical Campus
Media Sponsor:
See the complete list of sponsors on our web site.
Don’t miss the opportunity to hear the economic forecast for the coming year from the University of Colorado, Colorado Spring’s College of Business and
Administration. Hear from a panel comprised of local entrepreneurs and business development experts about how to bolster economic growth in our region.
Find out about local initiatives that are working towards this goal.
Specialized Health Care & Life Care Management
Wednesday, October 8, 2014 8:30am-noon
Carnegie Room, Penrose Library, 20 N. Cascade, Colorado Springs
Featuring Local and Regional Experts:
The Palisades Story: Toward Best Practices for Integrating
Health and Wellness within Senior Housing
Mary Ann Kluge, PhD, Professor, Health Sciences: Health and Wellness
Promotions, Beth-El College of Nursing and Health Sciences, UCCS
Amy Silva-Smith, PhD, ANP-BC, Nursing Department Chairperson, Beth-El
College of Nursing and Health Sciences, UCCS
Sara Honn Qualls, PhD, Kraemer Family Professor of Aging Studies, Professor of
Psychology, Director, Gerontology Center, UCCS
Integrated Care at the VA
Stephen Bensen, PhD, Researcher, Department of Veterans Affairs
Senior Reach: Community-based response to behavioral/
mental health needs of seniors
Darla Gurry, LCSW, Senior Reach National Consultant
Social Determinants of Healthy Aging
Don Backstrom, PT, MBA, GCS, Director, Regional Specialties and Geriatrics,
Kaiser Permanente, Colorado Region
Nutrition and Aging
Julie Anderson, MS, RD, CSSD, CPT, Peak Food Nutrition Clinic, UCCS
REGISTER NOW at www.innovationsinaging.org
For more information contact:
RoMa Johnson [email protected]
Oct. 3 - Oct. 9, 2014
15
City celebrates Arts Month with events
By Bryan Grossman
[email protected]
October is National Arts and
Humanities Month. In recognition, several Colorado Springs organizations aim
to bring together the local creative and
business communities.
“Arts and Humanities Month was created in 1993. This community has never
really engaged that in any way,” according
to Andy Vick, executive director of the
Cultural Office of the Pikes Peak Region,
or COPPeR. “Really this is an opportunity
to celebrate the arts in this community and
shine a spotlight on some different things
that are happening.”
COPPeR’s kickoff event, Artini, took
place the evening of Oct. 1, following the
Journal’s press time. The next event presented by COPPeR will be the Colorado
Springs Regional Business Alliance’s 7th
Annual Business & Arts Lunch. That will
begin at noon Tuesday, Oct. 7, at the Hotel
groups will create proposals that integrate
Eleganté Conference and Event Center,
art into a community-focused initiative.
2886 South Circle Drive.
“The groups will present their vision
More than 300 people are expected to
for this initiative,” Vick said. “Going
attend the lunch, Vick said, adding the
through that experience will help them
event will include an awards presentation
develop skills like interacting in a group,
recognizing local businesses that support
consensus-building, decision-making and,
the arts.
in the end, researching a project that could
“There are three awards,” Vick exbe implementable in the art community.”
plained. “One for creative workspace,
Vick said real-world examples include
one for philanthrothe Bemis School
py from the business
of Art working
community and one
with military veterfor a business leader
ans suffering from
in the community
Po s t-Tr a u m a t i c
who has played an
Stress Disorder, and
important role in
Concrete Couch, a
the arts community.” He added that
local nonprofit that
performances by
works through the
local artists will be
arts to help underinterspersed among
privileged youths
the awards presentaand community
tions, as in past years.
groups.
COPPeR will
Vick said October
also present an Arts
should be seen as an
Incubator of the
opportunity to try
– Andy Vick, COPPeR
Rockies workshop
something new.
Oct. 24-26.
“We’re asking the
“This is a profespublic
to
have
at
least
one
new art experisional development initiative that is reence
that
you’ve
never
had
before, whether
ally about connecting the creative sector
that means going to a play or a concert
with the business sector and helping to
or a poetry reading, an art opening,” he
develop relationships and ultimately find
said. “Whatever it is that may be of interways to collaborate and move the comest to you.”
munity forward,” Vick said.
The workshop is limited to 36 people
More information on Arts Month events
and, at the end of the weekend, four small
can be found at peakradar.com/artsmonth.
“We’re asking the
public to have at least
one new art experience
that you’ve never
had before, whether
that means going to a
play or a concert or a
poetry reading, an art
opening.”
Additional events
Other arts-centered events in and
around downtown Colorado Springs include the First Friday Downtown artwalk,
according to Laurel Prud’homme, director
of communications, research and events at
the Downtown Partnership of Colorado
Springs. The artwalk takes place from 5-8
p.m. Oct. 3, and features art openings,
meet-the-artist events and performances.
The artwalk is free and open to the public.
Prud’homme added that Oct. 3 marks
the final seasonal First Friday bike tour.
Presented by outdoor adventure guides
UpaDowna, the tour will include a 3- to
5-mile ride with stops at galleries and outdoor exhibits along the way.
The Oct. 5 farmers market in Acacia
Park will be more arts-focused than usual,
Prud’homme said. From 9 a.m.-1 p.m.,
artists can display their works for free, and
need only supply their own booth.
Other October events include walking
tours of downtown Colorado Springs by
Culture Core. Tours begin Oct. 11 and will
provide close-up views and discussions of
street exhibits. Information on the bike
tour and Culture Core guided walks can
be found at downtowncs.com.
Additionally, the Colorado Photography
Learning Group will be organizing a photography scavenger hunt to take place Oct.
11. The group will meet at the Mezzanine at
20 N. Tejon St. before breaking into teams.
The groups will reconvene for dinner and
prizes at the end of the day.
More information on downtown events
can be found at peakradar.com. CSBJ
It’s not about the
technology.
In fact, it never was.
At Navakai, we realize delivering exceptional
customer service starts, and ends, with YOU.
So if you’re ready to think differently about IT
support for your business, call us.
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n
16 Oct. 3 - Oct. 9, 2014
Manitou wraps up a successful summer
By Jeanne Davant
Pikes Peak Bulletin
Manitou Springs’ economy is coming back strong
from the downturn of the past two years and appears
to be on pace for a record-breaking summer.
“The July numbers were the best I’ve ever seen,” says
Finance Director Becca Davis. “All in all, I think we’ve
made a strong recovery.”
Taxable sales in July (collected in August and reported in September) topped $7.8 million — the best
total in the past six years, and collections of sales taxes
increased 6.1 percent over July 2013.
For the year to date through July, 2014 sales tax collections are running 3.2 percent above the first seven
months of 2013, but total sales subject to the city’s 3.9
percent sales tax are still behind the year-to-date high
of more than $38 million reached in 2011.
Davis expects August to be another record-breaking
month in sales tax collections, in part because those
numbers will include revenues from sales at Maggie’s
Farm, Manitou’s first recreational marijuana store.
“I can’t divulge the numbers yet, but it will be the
best August we’ve ever had,” Davis says.
Business owners happy
While sales varied among individual stores, restaurants, hotels and motels, bars and amusements,
most businesses had excellent numbers in August, and
September has remained strong, says Leslie Lewis, executive director of the Manitou Springs Chamber of
Commerce Visitors Bureau and Office of Economic
Development.
“The summer was great overall,” Lewis says. “The
fact that we didn’t have any natural disasters helped
tremendously.”
The summer produced more business for the Pikes Peak Cog Railway than in the recent years, likely helped by a free shuttle.
Business owners confirmed that, for the most part,
they’ve had a good summer.
After two challenging years, “we’re having a strong
year compared to 2010 and 2011, which were more
normal years,” says Tim Haas, owner of Garden of the
Gods Trading Post, Mountain High Gallery & Gifts,
Mountain High Sportswear and Manitou Outpost.
“We’re about 5 percent ahead of 2011.”
Both occupancy and overall revenue have been breaking records all summer, says Paul York, general manager
of the Cliff House at Pikes Peak.
“I’ve been here since 1999, and I don’t remember
anything like this. It’s been better than in 2006-2007,”
he says.
York thinks the lack of negative publicity has certainly
helped, as well as new corporate initiatives that have
raised the Cliff House’s visibility.
“Maybe part of it is that people are recognizing
Manitou as a place that is so entirely unique as compared to other smaller cities, so interesting and walkable
and diverse,” York says.
Julie Vance, owner of America’s Best Value Inn Villa
Motel, says her business is on the upswing as well.
“We’re probably not quite back to where we were in
sures” due to the floods on Aug. 9 and Sept. 12, 2013.
2008, but we’re probably 10 to 12 percent better” than
Recovery has been a little slower at Osburn Gift Shop
the last two years.
at 951 Manitou Ave.
Business has been up 2 to 3 percent throughout the
“The first two weeks in June were kind of scary,” says
summer at the Pikes Peak Cog Railway, says traffic
manager Nikki Harden. “It started going up from there.”
manager Whitney Hedgpeth.
Vendors report their sales tax
“We had the best August we’ve
collections based on sales in the
had in about five years,” Hedgpeth
previous month. Davis’ reports
says.
are prepared the following month.
The Manitou Kitchen Shop is
Most vendors’ August reports will
having its best summer since 2011,
come out in October.
owner Jon Tschannen says.
Some vendors report quarterly
– Whitney Hedgpeth
“I expect that improvement to
or annually, and payments of decontinue,” he says, adding that the
Pikes Peak Cog Railway
linquent accounts also may distort
shop at 906 Manitou Ave. usually
the monthly figures. So when Davis
enjoys its best month in December.
totals the figures at the end of the year, they could show
Colorado Custard Co. also is having a banner year,
even more improvement.
says owner Matt Carpenter.
“We didn’t slow down as much after the Pikes Peak
Fire and floods hit hard
Marathon as usual,” Carpenter says.
The Manitou Avenue storefront ice cream and treat
The numbers for the past six years show just how
shop seems to have fared better than most businesses
much of a hit the city’s economy took after the Waldo
during the lean years.
Canyon fire of June 2012.
“Each of my past six years have been better,” Carpenter
From 2009 to 2011, taxable sales between January
and July grew by $4.3 million.
says. “Last year was down a little, just during the clo-
“We had the best
August we’ve had in
about five years.”
Oct. 3 - Oct. 9, 2014
17
In 2012, the city’s economy started out doing slightly
better than in 2011. But sales plummeted after the fire.
Total taxable sales for the first seven months of 2012
dropped by more than $6 million from the 2011 yearto-date high.
Even so, total sales in 2012 reached a five-year high of
more than $55 million, thanks to the early-year gains
and a strong finish in November and December.
Last year’s floods in August and September impacted
sales for the rest of the year.
In comparison to the same months of 2012, sales tax
collections in August 2013 dropped by 5.3 percent and
a whopping 18.4 percent in September, and the decline
continued through November. December sales helped
the flagging economy gain a little ground, but total
sales tax collections for the year decreased by 2 percent.
The Manitou Chamber has taken steps to keep this
year’s upward trend going, Lewis says.
“We’ve increased advertising through grants we’ve
gotten,” she says. “We’re doing a lot more digital advertising in the Denver area and Dallas, and a lot more
targeted marketing through the Internet. We are very
optimistic, and we will continue to put out the word
that Manitou is great and it’s safe to come here.” CSBJ
n
O’Brien: Avid runner enjoys area’s outdoors
the cross-country team. My cross-country coach at the time was an Ironman triathlete, and
she knew that I worked as a lifeguard during the summers when I went home and that I biked
everywhere, so she said, “You know, I really think you would love triathlons.” So I did my first
triathlon the year I graduated and haven’t looked back.
How would you describe CSHP’s role in the community, and how do you fit in?
We’re the largest privately owned physician group in the community. We’ve been here since
1946, and have grown over the years from just six doctors to over a hundred, as well as nurse
practitioners and physician’s assistants. ... My role as our in-house graphic designer, and part
of our three-person marketing team, is to be part of that support system for our doctors and
their clinics.
Do you get anything from running and being outdoors that you apply to your
working career?
If anything, it calms me down and clears my mind. Today, when I leave work from Monument,
I’ll go home and work until 10 o’clock, but this morning I made sure that I got in my 5-mile
run. I knew that if I didn’t get it in, I wouldn’t feel as energized as I needed to feel for the day
to do my best at work.
Would you say your values align with those of CSHP?
I wouldn’t work for a company I didn’t believe in. That’s kind of like being a sales person
trying to pitch something they don’t believe in — you’re not going to work for that company
unless you can back the product. I think we’re absolutely heading in the right direction. ... I
think our company is very strategically placed right where it needs to be as a company, and
as far as taking care of our patients also. CSBJ
From page 6
n
It started with...
“I’m tired of driving 20 miles
for an ultrasound.”
It ended with...
PENRAD Imaging’s new Monument location.
Starting in November 2014, northern El Paso County will look at
medical imaging in a whole new light. That’s because PENRAD
Imaging is opening a new facility in the Tri-Lakes Health
Pavilion (next to the YMCA), offering CT scans,
screening mammography, ultrasounds, X-rays and
other imaging services. Healthcare in Monument
has never looked better.
Now scheduling appointments
at 719-785-9000 or online at
PENRAD.org.
PEN-0514-051 New Monument Facility CSBJ Ad_8-22-14.indd 3
8/22/14 1:06 PM
18 Oct. 3 - Oct. 9, 2014
Oct. 3 - Oct. 9, 2014
19
Larimer: Memories remain with his friends
From page 2
gave her the first lesson she had — and let her play
along with a group of “real” musicians. And when she
couldn’t continue formal lessons at the Conservatory,
Rob encouraged her to keep playing on her own. I’ll
always be grateful for those kind words.
For years, we’d share bagels as we worked on deadlines, stories of family, advice when things got tough.
And now he’s gone — but he won’t be forgotten.
People like Rob leave an indelible mark on the world
around them.
His friends remember him for his funny take
on life; his family remembers him for his love and
support.
And the world is a little less bright without him
in it.
On Sunday, everyone will gather to play music and
share memories of Rob. I hope Michelle, Gretchen and
Rachel can take some comfort in their memories of
Rob as a husband and a father. And I hope that everyone takes a page from Rob’s book — and that they
occasionally slow down to enjoy family, friends and
their passions.
John Hazlehurst
“Rob Larimer is dead,” fellow CSBJ staff member
Cameron Moix said to us Thursday morning. “He was
killed in a car crash last night.”
It didn’t make sense. Cameron couldn’t be right.
Rob? A man who overflowed with life, with joy, with
love, with funny remarks? The guy I had shared an
office with for four years, the fun, exuberant younger
brother/cousin I never had?
It was true. A one-car crash on Colorado Avenue
had taken our friend’s life.
In 2006, I left a part-time columnist gig at the
Colorado Springs Independent to join the Business
Journal as a full-time employee. I’d never worked in
a newsroom. I might have pretended otherwise, but I
was a 65-year-old cub reporter.
Deadlines? AP style? Nutgraph? Walk-off? I had no
idea what those words meant.
Rob was my mentor. Without condescension, he
taught me what I needed to know.
“If you want me to look at something before you pass
it to Mike (Boyd, our editor), just send it over,” he said.
“Mike can be impatient.”
So I did that with the first few pieces I wrote, but
finally sent one directly to Mike. A few minutes later,
Boyd sauntered into our office.
“I’m not sure what the point of
this is,” he said. “Can you fix it?”
“What did he mean by that?” I
asked Rob.
“He means it’s an absolute f***ing
mess that no newspaper in the
country would print,” Rob said.
“Here, I’ll help you fix it.”
We stayed late, fixed the story
and ambled down Tejon Street to
The Famous, the bar that Boyd had
claimed for the Business Journal. Our friendship began
that evening.
Those were special times. Thanks to deep-pocketed,
out-of-state owners, the Business Journal occupied fancy
downtown digs and employed a staff of 40.
We worked hard, beat The Gazette like a rug and
had fun. Stories? Here’s one.
Leaving Sonterra early one summer evening, we encountered two young women heading inside.
“Don’t bother,” said Rob with his usual cheery élan,
“No one there but fat drunk old men. You guys should
come with us to The Famous.”
“Oh yeah?” replied one. “So how old are you guys?”
“Guess!” said Rob.
“I think you’re about 48,” she told Rob, “and he’s 51.’
I was delighted. Rob wasn’t.
“What do you mean??!!” he replied. “I’m not 48 — I’m
32! And he’s much older — he’s 65!”
“Oh yeah?” she riposted. “Well if you’re so young,
what are you doing hanging out with Grandpa?”
Rob recovered quickly.
“We’re reporters from Washington covering a big
story,” he said. “I can’t tell you any more, but you can
come to The Famous if you like.”
And they did, and Rob charmed them, and I hung
out with Mike Boyd.
Later that year, Rob met Michelle
— and promptly grew up. His vast
heart found love, and it changed
him.
Rob had a gift for friendship.
Men, women, kids, dogs — they
all loved him. He had more friends
and more friendly acquaintances
than anyone I’ve ever known.
No wonder. He could be a sweet confidante or a jolly
companion. He was a good athlete, a great guitarist,
an excellent photographer, a fine reporter/editor, and
a wonderful husband and father.
A few months after the birth of his twin daughters,
Gretchen and Rachel, we were talking.
“Dude, it’s like you told me,” he said. “I look at those
girls, and I love them so much. I didn’t know there was
that much love in the world.”
Yes you did, Rob, because you gave your love to so
many of us.
Goodbye, old friend — you live in memory. CSBJ
His friends remember
him for his funny take
on life; his family
remembers him for his
love and support.
n
20 Oct. 3 - Oct. 9, 2014
Paid Adve
The 20th Annual
The Better Business Bureau of Southern
Colorado is pleased to announce that the
20th annual Night of Excellence was a huge
success. The event is designed to celebrate
those in the community who have exceeded expectations and who have performed
above and beyond the call of duty! This was
a night of celebration for those in the community who shined among the stars. This
award ceremony highlights those who show excelle
Customer Service, Ethics and Safety and Education
is all through the Better Business Bureau Foundation
is the time of year the BBB is able to recognize many p
in the community for their great work in serving our
region. We welcome everyone from the community
us as we pay tribute to wonderful people and their
ness practices across Southern Colorado. It is impor
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Your BBB has recognized Southern Colorado businesses for superior customer service since 1995. Businesses th
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Your BBB brought an ethics based award to the
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them the recognition that they deserve. Showing the hard
work and dedication these businesses endured proves the
strength that our community possesses.
We also want to extend a deep measure of gratitude for
our sponsors for the night. Without these partnerships and
their support this event wouldn’t be possible. Support for the
event came from KRDO-TV, The Colorado Springs Business
Journal, Pinnacol Assurance, Air Academy Federal Credit
Union, American Furniture Warehouse and Blakely + Company with special musical guest and a Colorado Springs
favorite Martini Shot as well as our Keynote Speaker for the
evening comedian, Brian McKim.
Oct. 3 - Oct. 9, 2014
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21
22 Oct. 3 - Oct. 9, 2014
Banking and Finance
Photos by Cameron Moix
Focus
More than 60 regionally based companies exhibited their goods and/or services Tuesday and Wednesday at the inaugural Southern Colorado Manufacturing Expo, including the 3D Printing Store in
Colorado Spings (left) and Pueblo-based Atlas Pacific Engineering Company Inc. (right), which manufactures deciduous fruit processing equipment used by clients across the globe.
Ent helps put spotlight on manufacturing
By Cameron Moix
[email protected]
T
here are few places in Colorado Springs where one
can find a person 3D-printing an octopus, another
chopping fruit with large machinery and yet another
using a punch press to create metal fittings.
But a consortium of local business owners and advocates made that a reality this week by hosting the
inaugural Southern Colorado Manufacturing Expo, a
two-day showcase of demonstrations and presentations
from companies cross-cutting a slew of industries.
The event at Freedom Financial Services Expo Center
was intended to “bring the community together to
publicize and promote the sector, facilitate new and
important relationships, and showcase manufacturing
to a prospective future workforce,” according to the
group. And organizers of the educational series said
that goal was achieved on the first day.
“I think we’ve exceeded the expectations of the exhibitors and somewhat
ourselves,” said Tracy Watters of Springs
Fabrication. “This was the first time, so
there were a lot of unknowns and people
didn’t know what to expect.”
Watters
Between 1,200 and 1,500 K-12 students
from Colorado Springs and Pueblo, as well as 500 from
local colleges and an unknown number from the general
public, took time to peruse the demonstrations. That
feat, Watters said, was made possible by event sponsors
like El Pomar Foundation, which awarded SOCOM a
grant that paid to bus the kids in for a
few hours Tuesday.
“I think our two main goals going in
to this were awareness and education,
and then not too far behind that was networking,” said Tom Neppl, president and
Neppl
CEO of Springs Fabrication. “We’re all
in more or less the same business and
we’re all passionate about what we do.”
Randy Scott, president of the Southern
Colorado Business Partnership, said that
attracting students to the expo was valuable to the organization, and it was excitScott
ing for him to witness the presence of the
region’s future workforce. “I think the burning desire of all manufacturers is to
help the next generation appreciate what they do,” he
said. “I think a lot of the excitement here today came
from the fact that there were so many students, and
many of them were very engaged.”
About commercial lending
Because the event’s key sponsor was Colorado
Springs-based Ent Business Bank, one element of the
program pertained to business financing, including a
presentation called “Commercial Lending Exposed —
Borrowing Strategies for Companies.”
Wayne Paton, Ent’s vice president of
commercial banking and wealth management services, delivered the presentation, equipped with more than three decades of banking experience in Colorado
Springs.
Paton
With several bankers in the audience
to hold him accountable, Paton prefaced the lecture by
explaining that it was to be for the benefit of business
owners rather than for Ent advertising.
“There are quite a number of misconceptions of banking and financial institutions in general,” he said in
reference to business loans. “It’s important that everyone
knows sometimes we do have to say no. It’s not because
we want to, but it might just not be the best idea.”
At the end of the day, he said financial institutions are
businesses too — ones that leverage the most financial
risk for each loan — but can provide the lowest-risk
option for business owners. And although borrowing
from a traditional bank may not present the potential
peril of acquiring a loan from “angel investors” or borrowing against a credit card, Paton said there are certain
things to which business owners should be privy before
dealing with lenders.
“Different institutions have different business models,” he said.
Advice for loan-seekers
Also of great importance to loan-seekers, according to
Paton, is understanding what financial institutions are
looking for in prospective borrowers. He said primary
marks for banks like Ent are the company’s business
model, cash flow, industry, competition and collateral.
“It’s very important for you to understand those intentions on the front end,” he said. “Make sure you’re
really having an open dialogue about this. ... These
are also things that you need to be asking yourselves
as business owners.”
Paton said another thing he thinks is important for
businesses to understand are the new regulations out
there in terms of lending, and the regulatory environment in which they exist. Among those is the DoddFrank Act, which he described as a “beast of legislation” with policies that are still unfurling within the
banking industry and may present new obstacles for
business owners.
And although it’s not something clients enjoy mulling
over, he said it’s important to consider an exit strategy.
Whether the plan is to wind down, sell or turn the
business into a family affair, it’s good to have things
ready for if and when the time might come.
“You just don’t wake up one morning and decide to
sell your business,” he said.
“Make sure that you have some meat on the bones
See Expo page 25
Oct. 3 - Oct. 9, 2014
23
NEXT WEEK
Technology
Thompson takes over top BBVA role in Springs
global financial institution with operations in 30 countries. We deliver global
resources through our commercial, retail
and global wealth management experts in
our Colorado Springs office.
Shawn Thompson, market president of
BBVA Compass bank, has held that post
since May. He had spent the previous eight
Tell me your role at the bank.
years at BBVA. Before that, he worked as
As market president for BBVA Compass,
vice president at American National Bank,
my primary drive is to form relationnow ANB Bank, and Peoples Bank. He
ships that can levergraduated from
age BBVA Compass’
Michigan State
capabilities to benefit
University with a
the greater Colorado
major in food inSprings community.
dustry economics
On a daily basis I lead
and management
our commercial bankand a minor in fi– Shawn Thompson
nance. When he’s
ing team and coordinot at work, he’s
nate activities with our
playing golf, tennis
local retail and wealth
or soccer or skiing and fly fishing with his
management partners to deliver innovative
wife Michelle and their three daughters.
solutions to bank clients and prospects.
“Colorado Springs has so
many positive aspects.”
Tell us about BBVA Compass.
BBVA Compass is part of BBVA, a
What’s the most important aspect of
your bank?
SBA continuing to zero
out fees and help vets
Small Business Administration
In an announcement Wednesday
from Washington, D.C., the U.S. Small
Business Administration revealed that
fee relief on 7(a) loans of $150,000 or
less implemented last year and originally slated to expire on Sept. 30, will
be extended through fiscal year 2015.
SBA also announced that fee relief
measures for SBA Veterans Advantage
loans will be renewed as well as enhanced. Both the extension of the fee
relief for 7(a) loans $150,000 and under,
and the extension and enhancement of
the fee relief for SBA Veterans Advantage
loans became effective Oct. 1 and will
remain in effect through Sept. 30, 2015.
“We zeroed out fees on loans of less
than $150,000 to any 7(a) borrower
because we don’t want SBA fees to be
an impediment to getting capital out
to communities where it can make a
game-changing difference, especially
to our underserved communities, who
use these small dollar loans more frequently,” said SBA Administrator Maria
Contreras-Sweet.
The most recent numbers available for FY14, as of Sept. 12, show that
the SBA had guaranteed 28,806 7(a)
$150,000-and-under loans (worth $1.74
billion), up from 23,337 loans (worth
$1.34 billion) in FY 2013.
This represents a volume increase of
23.4 percent and a loan-value increase
of 30 percent. Fee reductions on these
loans resulted in almost $19 million in
savings to small-business borrowers
in FY 2013.
Under the original fee relief for 7(a)
loans that began Oct 1, 2013, both the
upfront guaranty fee and the annual
servicing fee (“on-going guaranty fee”)
were reduced to zero on loans $150,000
and under.
The provisions that began on Oct. 1,
2013, for 7(a) loans under $150,000, will
now be continued for fiscal year 2015.
The upfront guarantee fee will continue
to depend on both the amount and the
maturity of the loan.
For SBA Veterans Advantage loans, the
conditions implemented on Jan. 1, 2014
— zero upfront guaranty fee on all SBA
Express loans to veterans of $150,000 up
to $350,000 — will remain unchanged.
Also beginning Oct. 1, the upfront
guaranty fee for non-SBA Express loans
$150,000 up to $5 million will now be
reduced by 50 percent. There is no reduction on the annual servicing fee for
loans over $150,000.
Seventy percent of all SBA loans made
to veterans are $350,000 or less. Since its
inception through Sept. 20, 2014, SBA
had guaranteed 153 loans for $38,861,900
nationally under Veterans Advantage.
Fee relief for these loans resulted in savings to borrowers of about $571,000.
For more, visit the SBA website at
www.sba.gov, or contact your local SBA
field office. You can find contact information for your local SBA office at www.sba.
gov/localresources/index.html.
Innovation. BBVA Compass has a realtime core data processing system. This
type of innovation allows the bank to
deliver leading-edge products to individuals and businesses. Another benefit is it
provides transparency to our customers.
Photo by Bill Sommer
By Marija B. Vader
[email protected]
What is your biggest challenge?
Personally, keeping up with my children’s schedules. So many activities — soccer, dance, tennis, gymnastics, musical
lessons, coupled with school activities.
Thankfully, my wife, Michelle, is überorganized and while the weekly roster of
events seems daunting sometimes, we love
every minute of watching our family gain
skills, learn and enjoy life!
If you could change one aspect of
Colorado Springs, what would that be?
Colorado Springs has so many positive
aspects. I certainly understand the economic ramifications of adding additional
community services, but if I had one wish
I would like to be able to utilize a worldclass public transit system.
That’s an unusual dream. Why?
In today’s economy, mobility is extraordinarily important. It certainly helps at-
tract and retain young professionals.
Colorado Springs is an absolute jewel of
a place to live, but having a public transit
system that connects the Colorado Springs
Airport, downtown Colorado Springs, our
local universities, our hospitals to Denver
and to the mountain resorts would be a
tremendous asset for the community as
well as the state. CSBJ
n
Photo by Bill Sommer
24 Oct. 3 - Oct. 9, 2014
Ent’s Bernstein moves up to CEO
By Marija B. Vader
[email protected]
R
andy Bernstein starts a new job Oct. 3 as president and CEO of Ent
Federal Credit Union. He’s not new to town; he’s been at Ent more than
17 years. With this promotion, announced several months ago, he moves
from chief operating officer to the top of the organization, which has more
than 240,000 members, 600 employees and 27 locations. Bernstein, 62, has
been married 35 years to his wife Elena, and they have three grown children.
What brought you to Colorado Springs?
The credit union industry. Both my wife and I are born-and-raised New
Yorkers. I was working for a credit union consulting firm in eastern Texas,
and one of the largest consulting jobs was with Ent. Through that consulting
job, I got to know some of the directors and employees. Charles Emmer was
hired as CEO, and he and I got to talking. I was getting tired of being on
the road traveling as a consultant — I was probably on the road 70 percent
of the time, and my daughters were young at the time. Mr. Emmer offered
me a job, and it worked out.
How will your job change, moving from president and COO to president and CEO?
As president and COO, I was focused on the day-to-day operations. Being
CEO and president is going to be much more high-level, with more involvement in the union of credit union associations and the board of directors.
How has Ent grown since you’ve been there?
It’s grown pretty significantly. When I got here, just from an asset side,
we were about a little over $1 billion and we had eight branches. Now we’re
a tad over $4 billion and we have 27 locations. Some of that growth has
been through mergers. Some smaller credit unions have a difficult time
keeping up with the technology. Traditionally and typically the mergers
are with credit unions in difficult financial straits. We’ve had five to six
mergers. We’ve also been growing organically for years. We’ve been very
stable financially, very conservative.
one on one
RANDY
BERNSTEIN
Being
CEO and
president is
going to be
much more
high-level.”
How does the credit union secure its sensitive information?
I lose sleep over this every night. It seems like every other week there’s
another breach [in the business world]. We have a staff of five employees
specifically responsible for data security. It is really a large challenge. We
have had to increase the amount of money we’ve spent on systems protection,
whether it’s soft ware firewalls, layered security. It is the most challenging
issue we have now. We have not had any breaches. We have an extensive
employee training program about security. We’re constantly training on
the social engineering part where our employees can be tricked into giving
information. Credibility and reputation is so important to our business. We
have to do whatever we can do at whatever cost to protect that information.
How are you active in the community?
I was on the Urban League board for eight to nine years. I probably will be
accepting a board position in the next few months; that’s one of the requirements of the CEO. We’re really big in supporting the community, involved
in the Habitat for Humanity house that Ent built. What I’m proud of is that
we’re a company of 600 employees and yet last year, we contributed — just
through fundraisers — $150,000 to United Way. You’ve heard of the ice
bucket challenge for [the disease] ALS? Well, I had to be the leader of that
pack. The ice was cold on this unprotected head!
How else has Ent helped the community?
The Great Recession was awful, and we’ve had some disasters, the Waldo
Canyon and Black Forest fires. We created a members solutions group, and it
was there to keep members in their houses or keep them in their cars. They
were given the authority to do many things to help the owner — maybe a
six-month interest-only payment, or no payments for six months. As long
as they had the ability to recover financially, we would work with them. The
last thing we want to do is repossess someone’s car or foreclose on a house.
We had employees who had houses destroyed in the Waldo Canyon fire and
Black Forest fire. We had a no-questions asked policy, a $1,500 loan with no
interest for 90 days. It was part of our effort to help the community. That’s
one of the reasons I love this industry; we can help people.
What best do you like about Colorado Springs?
Certainly the natural beauty. In New York, the skyline is nice, but there
really are no mountains or forests — at least in downstate New York. The
people I’m working with I just really like. We blended in pretty easily way
back when. CSBJ
n
FOCUS
Oct. 3 - Oct. 9, 2014
25
Banking and Finance
Expo: Networking, shared advice rule the week
and you understand the process,” he
said.
Paton’s final words of wisdom pertained to management. Although a great
expense to new small-business owners,
he said that having a team of like-minded and capable people to help manage
operations can make all the difference.
“Yeah, they’re an expense,” he said.
“When you’re just starting off and you’re
trying to figure out how to get to that
next level ... there is a point where you
have to determine when in that business
growth you are going to try to bring on
a good team.”
New connections made
As Neppl indicated, the expo provided
a valuable networking opportunity to the
dozens of participant companies, which
each paid $150-$250 to set up booths.
It even sparked a couple of business
connections along the way, according
to Neppl and Chris Fagnant, director
of energy, environment
and efficiency for Qualtek
Manufacturing Inc.
While Qualtek competes with other expo
participants, Fagnant said
Fagnant
he made a valuable connection that could lead to
more business for a Pueblo-based com-
pany named Colorado Metal Spinning
Inc. He said that he was unaware any
such company existed — at least reputably — in Colorado, and that he had been
referring business to a manufacturer in
Minneapolis without knowing there was
an option in the “neighborhood.”
“I figured that I knew everyone in the
room,” Fagnant said. “If we had known
this guy was in Pueblo, we probably
would have gone, visited and sent some
work his way,” he said.
“That’s the value of networking,” Scott
added with a smile.
Companies that participated in the
expo ranged from mom-and-pop garage
operations to mega-corporations like
Atmel and Ball Aerospace, but Watters
said the collaboration of all involved was
“very impressive.” She said she is proud
to be involved and hopes to see how the
event evolves in years to come.
“The energy and commitment of the
community and of the folks in manufacturing in this town is phenomenal,”
she said. “I’m still taken aback by that,
because this wasn’t some organization
that came in and put on a show. This was
a collaboration of manufacturers that
came together and made this happen, and
it wasn’t really sponsored by companies
that do trade shows or even have a charter — it was these companies leading the
initiatives to make this happen.”
From page 22
Colorado Metal Spinning Inc. owner Ken Sharp benefited from the expo through networking.
Members of the event’s planning committee say they’ve learned a few things
from hosting Colorado Springs’ first
manufacturing expo. Next year, they
will be sure to test the AV equipment
the day before, and they’ll be sure that
the event is scheduled so that everyone
interested can attend. But more than
anything, they hope the SOCOM Expo
will flower into something more — a
glimpse into industry that is vital to local economy.
“I’m excited about next time, and I
hope we can raise the public awareness
more,” Scott said.
“I think there is such a lack of understanding about this part of industry in
Colorado Springs, El Paso County, and
Pueblo County and the effect and economic impact it has here.” CSBJ
n
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26 Oct. 3 - Oct. 9, 2014
FOCUS
Banking and Finance
Advice to car-buyers: Crunch numbers first
Despite a summer dip in consumer
confidence, data released last month
by the Colorado Automobile Dealers
Association indicated a 5.7 percent increase in new car and truck registrations
through August compared to the same
eight-month period in 2013.
“Strong sales over the Labor Day
weekend put Colorado’s new car and
truck sales back into positive range,
which helped the state’s auto industry
rebound from July’s minor downturn,”
Tim Jackson, president of CADA, said.
“Consumers are still taking advantage of
strong manufacturer incentives as well
as financing terms which continue to
be affordable.”
A news release from CADA indicated
mid-size SUVs led in market share gains
for the period.
The used vehicle market in Colorado
was up 0.8 percent in August 2014 (vehicles 7 years old or newer) and improved
3.5 percent year-to-date.
According to Cory Shultz, chief lending officer for Air Academy Federal
Credit Union, auto loans make up approximately 65 percent of the credit
union’s lending portfolio, averaging
approximately $12 million a month.
He said the end of the calendar year is
normally a busier time for auto loans
because dealers provide incentives to
purge older models in order to make
room for new ones.
“If there is a sweet spot [for lending],
it’s when manufacturers are making
room for new models at the end of the
year,” he said.
“It’s usually October, November and
December.”
Shultz said there are some things
to consider before entering a dealership, bank or credit union in search of
financing.
“You need to understand your budget
and what kind of payment you can afford,” he said. “Can you afford a $30,000
car? That’s a $500 monthly payment.”
Shultz said a good starting point would
be preparing to invest 15-18 percent of
income on an auto loan.
He added the average interest rate
for a new car loan in 2Q 2014 across all
lending platforms was 4.59 percent. The
average rate for credit unions during the
same quarter was 3.79 percent.
The interest rate for a used car loan
averaged 8.82 percent for all lending
platforms during 2Q 2014, while credit
unions averaged a rate of 5.75 percent.
Shultz said credit unions often offer
the lowest rates for auto loans and are
therefore utilized by dealerships more
than banks.
He said, in Colorado, credit unions
finance 39.51 percent of all car loans,
while banks hold 27.84 percent of all
loans. Alternative financing methods
account for the remainder.
Shultz said Air Academy Federal
Credit Union’s average borrower keeps
his or her vehicle for 28-32 months, but
financing options can include up to an
84-month loan.
By Bryan Grossman
[email protected]
Pump your brakes
In 1998, consumer advocate Jeff
Ostroff co-founded a website dedicated to helping consumers navigate the
auto market. Ostroff is now CEO of the
Florida-based carbuyingtips.com, which
claims to have saved its users more than
$13 million since its inception.
Ostroff said there are many things
to consider when purchasing a vehicle,
and making payments for more than
48 months should not be one of them.
“We suggest never getting a loan for
more than 48 months,” Ostroff said. “Car
loans with payments for 60 or 72 months
is nonsense. … We suggest you try and
put down 20 percent to reduce payments
and to prevent falling down the depreciation curve. Cars depreciate most in
their first year, losing 25 to 30 percent
Experts tout research to avoid finance pitfalls.
of their value. If something happens to
your new car, you’ll be upside down on
your loan.”
Ostroff says it’s also vital to understand your credit score when negotiating a loan.
“I say you should know three things:
your blood pressure, your cholesterol
and your credit score,” he said. “Credit
See Cars page 32
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solutions for clients in El Paso County and beyond.
Whether providing advice on business transactions or
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& Employee Benefit Plans
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Securities Arbitration & Litigation
Corporate Governance & Finance
LRRLaw.com
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Colorado Springs, CO 80903
719.386.3000
Meet our team, from top left:
Nicholas N. Dyer, Edward A. Gleason, Eric V. Hall, Eric N. Kniffin, David P. Kunstle,
H. William Mahaffey, William Nelson, L. Martin Nussbaum, Troy R. Olsen,
Ian S. Speir, and Jan A. Steinhour.
Albuquerque | Casper | Colorado Springs | Denver | Las Vegas | Phoenix | Reno | Silicon Valley | Tucson
Oct. 3 - Oct. 9, 2014
27
MARKET SNAPSHOT
Designed by Melissa Edwards
(by number of branches)
16: U.S. Bank*
4: Armed Forces Bank
15: Wells Fargo Bank*
4: Northstar Bank of Colorado
14: JPMorgan Chase Bank*
4: KeyBank
11: Academy Bank*
3: Pikes Peak National Bank,
5Star Bank, Bank of
Colorado, Peoples National
Bank, Vectra Bank Colorado
8: TCF National Bank
7: FirstBank
6: ANB Bank
5: UMB Bank Colorado*
* National Association
Source: usbanklocations.com
“The Foundation for PPCC helps ensure
all students reach success, which in
turn makes an incredible impact on our
community. I am thrilled to support the
Foundation and the students at PPCC.”
— Eric Cefus
Director of Philanthropic Services,
Pikes Peak Community Foundation
& Board Member, The Foundation for PPCC
CSBJ_Update_EricCefus_6-9-14_DISK.indd 1
719.502.2000 | PPCC.EDU
6/9/14 3:54 PM
28 Oct. 3 - Oct. 9, 2014
TH E L I S T
Upcoming Lists:
Shopping Centers
Oct. 17: Physical Rehab Centers
Oct. 24: Professional Associations
Oct. 31: Credit Unions
Shopping Centers
Ranked by Square Footage
This is the top listing of shopping centers that responded to questionnaires, notices and telephone
inquiries.
Ranked
by Square Footage
Name
Address
Total Square
Footage
Anchor
Enclosed
Property Management Company
1
Chapel Hills Mall
1710 Briargate Blvd.
Colo. Spgs., CO 80920
1,210,000
Dick's Sporting Goods, Sears, Macy's, Burlington Coat Factory, Dillard's
Y
CBL & Associates Properties
2
The Citadel
750 Citadel Dr. East #3114
1,096,781
Dillard's, JCPenney, Burlington Coat Factory, Carmike Cinema
Y
Spinoso Real Estate Group
1972
www.shopthecitadel.com
N/A
719-591-5515
N/A
3
First & Main Town Center
3305 Cinema Pt.
951,671
Cinemark IMAX, Best Buy, Dick's Sporting Goods, JCPenney, Lowe's, Target, Whole Foods
N
Nor'wood Development Group
2000
www.firstandmaintowncenter.com
[email protected]
719-955-6060
719-633-0545
4
University Village Colorado
5342 N. Nevada Ave.
650,000
Costco, Kohl's, Lowe's
N
Diamante Property Svcs.
2009
www.uvcshopping.com
N/A
719-575-0075
719-575-0065
5
Monument Marketplace
Jackson Creek Pkwy. at Leather Chaps Dr.
Monument, CO 80132
641,000
Wal-Mart, Kohl's, Home Depot
N
Sierra Commercial Real Estate
2004
www.jacksoncreek.com
[email protected]
719-385-0555
719-385-0550
6
Broadmoor Towne Center
2140 Southgate Rd.
635,000
Home Depot, Sears, Bed Bath & Beyond, 24 Hour Fitness, Panera Bread, PetSmart, Gordman's
N
Kratt Commercial Properties
2000
www.krattcommercialproperties.com
[email protected]
719-632-5000
719-632-5111
7
Markets at Mesa Ridge
6904 Mesa Ridge Pkwy.
Fountain, CO 80911
435,000
Lowe's, Safeway, Walgreens
N
First Properties
2001
www.firstproperties1.co
[email protected]
719-576-2288
719-576-2277
8
Woodmen Commons Center
1750 E. Woodmen Rd.
284,133
Sam's Club, Marshall's, Ofice Depot, Bed Bath & Beyond
N
CBRE
1998
www.cbre.com
[email protected]
719-471-6046
N/A
9
Barnes Marketplace
5994 Barnes Rd.
245,412
Hobby Lobby, Bed Bath & Beyond, Costco, Old Navy
N
Nor'wood Development Group
2007
www.norwoodinteractive.com
[email protected]
719-593-2600
719-633-0545
10
Ridgeview Marketplace
Stetson Hills & Powers Blvds.
230,000
King Soopers, First Bank, Ruby Tuesday, Fitness 19
N
Cornerstone Retail
2004
ridgeviewmarketplace.com
[email protected]
719-243-6400
N/A
11
Marketplace at Austin Bluffs
North Academy Blvd. & Austin Bluffs Pkwy.
226,626
King Soopers, 24-Hour Fitness, Hancock Fabrics
N
AmCap Inc.
1974
amcap.com
[email protected]
303-321-1500
303-321-0662
Rank
Year Built Website
Email
Phone
Fax
1982
www.chapelhillsmall.com
[email protected]
719-594-0110
719-594-6439
WND - Would Not Disclose. N/A - Not Available. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Rankings are based only on those responding shopping centers. Some did not respond.
Thank you to our 16th Note Society members
for supporting all of our public performances.
John Autry
719.325.7452
WELCOME TO OUR NEWEST MEMBER
[email protected]
The bottom line.
Make your business great.
A successful business needs a sound credit program to meet short-term challenges
and long-term goals. We will work with you to develop a credit program that is
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Oct. 3 - Oct. 9, 2014
29
102 N. Cascade Ave., Suite 600
raymondjames.com/coloradospringsoffice
Give us three days
and we’ll shift your
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Operations Manager
October 24-26, 2014
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What you Will Learn:
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Joshua Waymire, CFP, CIMA
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Todd Metzger, CRPC
Vice President,
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Gregg Thatcher, CFA
Vice President,
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John Waymire, CFP, CIMA
Senior Vice President, Investments
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Executive Editor
Ralph Routon | @ralphrouton
[email protected] 719-634-5905
Associate Publisher
Jenifer Furda | @jenfurda
EDITORIAL
Associate Editor
Marija Vader | @MarijaBVader
Staff Reporters
John Hazlehurst, Senior Reporter
Cameron Moix | @cammoix
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Local ballot issues to consider
J
ust a week or so from now, mail ballots will go out to voters
across El Paso County for the Nov. 4 election, which means
thousands of area residents will be making their decisions and
quickly casting their votes.
As we’ve indicated since taking over ownership of the
Colorado Springs Business Journal in June 2012, we feel our
editorial role in covering the local business scene does not
include suggesting which way to vote on contested races for
public office. So you won’t see any endorsements here for U.S.
Senate (Mark Udall vs. Cory Gardner), U.S. House (Doug
Lamborn vs. Irv Halter), governor (John
Hickenlooper vs. Bob Beauprez) or the local battles for the state Legislature, county
officials and commissioners.
But we have said in the past that we will
consider making endorsements for some
ballot questions, especially when they
could or definitely will have an impact on
business. Given that, we do see several issues worth magnifying here, starting at the county level.
El Paso County — 1A (excess revenue): Totally straightforward, this would allow the county to keep slightly more
than $2 million in excess collected tax revenue and apply it to
improvements for trails, parks and nature centers across the
area. If it fails, the money would return to property owners
in the form of a one-time $8.41 credit.
Following the example of other successful measures in the
recent past, the county has included a list of ways the money
would be spent, such as repairing trails damaged by fires and
floods, and improving regional parks such as Fox Run, Fountain
Creek, Black Forest, Bear Creek, Paint Mines, Homestead
Ranch, Falcon and the County Fairgrounds in Calhan.
This is a no-brainer, because the money already is in hand,
the cost would be zero and the entire county would benefit.
This is also a small way of replenishing budget cuts from the
recession years. Vote YES.
El Paso County — 1B (stormwater): This measure would
create the Pikes Peak Regional Drainage Authority to collect
no more than $39.275 million a year from property owners
(residences, businesses and nonprofit entities). The typical
residential property would pay about $7.70 a month, and the
structure would sunset or come up for renewal in 20 years. The
ballot language looks daunting, yet impressive, with a complete
package of prioritized projects identified
by a task force including business leaders
who worked more than two years with
help from professional engineers.
These needs cannot be put off any longer,
as floods the past few years have shown
us. Also, if this doesn’t pass, there could
be consequences with Pueblo County regarding the Southern
Delivery System. Vote YES.
El Paso County — 1C (sheriff term limits): When current
Sheriff Terry Maketa was riding high, giving him and some
other county elected officials a third four-year term passed. But
given the circumstances of how Maketa’s third term (2010-14)
has gone downhill, how it has contributed to the erosion of
public trust in elected leaders and how that has had a negative
influence on companies considering relocating here, two terms
(eight years) should be enough and the system should produce
well-qualified candidates whenever needed. Vote YES.
Other endorsements may be forthcoming, but our hope is
that everyone will take advantage of the mail ballot, giving
you ample time to weigh in on every race and question. CSBJ
We do see several issues
worth magnifying here
and taking sides.
n
MANAGEMENT
CEO
Francis J. Zankowski | @franzan
Administrative
Sue Dougherty
Circulation Coordinator
Lynleigh Bernheim
Chairman of the Board
John Weiss
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Oct. 3 - Oct. 9, 2014
31
Other Voices
Run the right race if you want to win
I
n a village long ago lived a young
boy who loved nothing as much
as competing in athletic contests.
Because he was fit and strong, he usually triumphed, and he grew to love the
adulation he received from the villagers
around him.
One day he challenged two other
youths to a race from one end of the town
to the other. The villagers all lined up
to watch. The boy won, and the townspeople cheered wildly.
“Another race!” the boy demanded,
greedy for more praise. “Who else will
race against me?”
Two more young men stepped up, and
again the race was run.
And once again the boy won, and he
laughed in pride as the villagers cheered
— though they were a little less enthusiastic than before.
“Who else?” The boy looked around.
“Come on, are you all afraid?”
A woman was watching the races, and
she grew annoyed at the boy’s arrogance.
So she prodded two elderly men to challenge him. They could barely make their
way to the starting line, but they seemed
willing to compete.
“What’s this?” The boy was puzzled.
How could he win the applause he craved
by beating two old men who could hardly
stagger two steps?
The woman walked up and whispered
in his ear: “Do you
want applause for
this race?”
“Of course!”
“Finish together,”
the woman said.
“Just finish together.”
The boy did as he
was told — and received the loudest Harvey
applause of his life M A C K A Y
when the three of
them reached the finish line, side by side.
Lest you think I’m criticizing the competitive spirit, rest easy.
Let me assure you that this column
has nothing to do with competition, but
everything to do with being a winner.
Competition has an important role in
business and in life.
It stimulates us to do well, to succeed,
to reach higher. But competition is not
the only motivation to which we should
respond. You will always be a winner
if you care about others and recognize
when situations can be a win-win for
everyone.
If you want to treat others with a
classiness that will make you stand
out, follow these tips. They come from
Alan Weiss in the Balancing Act newsletter (www.summitconsulting.com),
and I have expanded on each of the
points.
• Listen to others without judgment.
Often people aren’t really looking for an
opinion; they just want to be heard. Look
at it as a rare opportunity to give someone what he or she really wants in life.
• If someone is boring you with a long
rendition about a trip or some other dull
subject, show patience and ask how he or
she enjoyed the weather or the food. They
are trying to share
something with
you, even if they
aren’t doing a very
good job of it. Treat
the other person as
you would like to be
treated.
• If you are angry
about some type
of service you are
receiving (or not
receiving) while with others, don’t
ruin everyone’s experience by making
a scene. If you must say something,
say it in private. Remember that others in your group may not care about
the same things or to the same degree
that you do.
• Try not to take things personally.
Not everything in the world is about
your self-worth. Let me repeat: It is not
always all about you!
• Paying an unexpected compliment
is worlds better than giving an expected
gift. Give it a try and you’ll understand.
And it’s not difficult.
• When you want the other person to
believe that it’s really their choice and
opinion that matter, don’t rush to give
your opinion or make your choice first.
Enough said.
• Watch your body language. Actions
speak louder than words.
• If you make a
commitment, follow
through. An unfulfilled commitment
is far worse than no
commitment at all.
Don’t opt for immediate perceived
relief that will only
turn to disappointment later.
• If you need
someone’s help, offer him or her something that serves their interest in return.
Don’t create an obligation or establish
guilt doing this. This is what I like to
call “reciprocity without keeping score.”
Competition will always have a legitimate role in business and in life. But your
most important competition comes from
within. Be the best person you can be.
Harvey Mackay is the author of the
New York Times best-seller, “Swim With
the Sharks Without Being Eaten Alive.”
To comment, visit harveymackay.com.
You will always be a
winner if you care about
others and recognize
when situations can be a
win-win for everyone.
Insurers shift higher generic prices to patients
W
hat I like
to call The
Great Cost Shift in
American health
care marches on
with the approach of
this year’s insurance
enrollment season.
That’s when all of
us who get coverage
from employers, the L I E B E R M A N
new state exchanges,
Medicare Advantage plans or from a
Medicare prescription drug plan are
likely to find that choosing drug coverage just became harder. Not that it was
ever easy.
Instead of paying a single lower
amount for any generic drug — either
a co-payment (a set amount) or coinsurance (a higher percentage of the bill)
— many Americans who use pharmaceuticals are finding themselves paying lower prices for what insurers are
calling a “preferred” generic drug and
higher prices for drugs it places in its
“non-preferred” category.
Yep. That’s exactly what health insurers have been doing for the last several
years with brand-name drugs, trying to
force consumers to pick ones with the
lowest out-of-pocket costs. The theory
was that if patients wanted the highly
advertised brand drug, they could dig
into their pockets to pay for it.
Trudy
Those drugs, of course, are more
expensive for insurers, too, since they
are paying a portion of the drug’s cost.
When patients choose cheaper drugs,
that lowers their outlay as well.
Now, though, they are applying that
concept to generics apparently because
it’s costing them more to buy the drugs
from pharmaceutical manufacturers. So
instead of a $5, $10 or $15 co-pay for a
particular generic drug, a patient may
now find that drug comes with a copay of $25 or $30 or more because the
insurer has placed it in its non-preferred
category.
Do those higher out-of-pocket costs
deter patients from buying the prescribed medication?
Yes, says Dr. A. Mark Frederick who
directs the Center for Value-Based
Insurance Design at the University of
Michigan, a group that’s trying to encourage the use of medical treatments
based on clinical and scientific evidence
rather than advertising claims.
Research from the RAND Corp. has
shown that even small price increases
are enough to make patients stop buying a drug.
“There’s been very strong evidence
for quite some time that even a $1 difference in out-of-pocket expenditures
changes Americans’ [medical] behavior,”
Frederick says.
What’s more researchers at the center
discovered that some insurers don’t include the drugs recommended by clinical guidelines in their preferred tiers for
generics.
These include diabetes medications
such as metformin, those like calcium
channel blockers to treat hypertension
and antivirals for HIV/AIDS. If patients
want these life-saving, clinically effective medicines, they have no choice but
to pay the higher prices.
“This is something that makes it more
difficult to provide high quality care,”
Frederick said, adding, “It will harm national efforts to put incentives in place
to improve care.”
I am not surprised by this latest example of the medical marketplace at
work. Dollars and cents have almost
always trumped quality, and that’s one
of the reasons legislators who wrote the
Affordable Care Act eliminated costsharing for some crucial preventive services like mammograms and colonoscopies. The idea was that high co-pays or
coinsurance should not prevent people
from getting those tests.
All this means you’ll need to be sharpeyed when you select new coverage for
next year, and understand what you now
pay for generics you take. The plan you
currently have might have changed its
requirements. You may find that that
metformin, for example, has become
non-preferred, leaving you with much
higher out-of-pocket expenses for the
drug.
If that’s the case, looking for a new
plan is a good idea. This is one time when
shopping for a health care service could
pay off.
Trudy Lieberman writes for Rural
Health News Service, funded by a grant
from The Commonwealth Fund and distributed via Nebraska Press Association
Foundation, Colorado Press Association,
South Dakota Newspaper Association and
Hoosier State Press Association. Contact
her at [email protected].
CSBJ.com Poll
What’s your view on the Public Market going into the old Gazette building?
Great news. Fast impact,
especially for the east end of
downtown.
Hopeful. But still need to see
whether the public will support it.
Thumbs down. No way it will
ever be a success in this city.
Concerned. It would have
a better chance closer to
downtown.
51%
31%
10%
8%
Go to CSBJ.com to vote on next week's poll:
As the election arrives, how will the local
stormwater ballot issue play out?
32 Oct. 3 - Oct. 9, 2014
Cars: Check dealers
From page 26
scores of 680 or above tend to get
the best interest rates. Some underwriters are more strict and looking
for a score of 700 or more. Below
680 is the next tier down and rates
will go up. Below 600 and you’re
entering a realm where financers
don’t consider you a good candidate. Below 550 and you’re likely
to get rejected and the dealer will
want someone to co-sign.”
Ostroff also stressed the importance of a budget before walking
into a dealership or searching for
a car online.
“A big problem is people are in
a rush. They have money burning a hole in their pocket, but no
game plan,” he said. “Then they’re
blindsided in the finance office and
paying 15 to 20 percent APR and
find out later they can’t handle the
payment. They’re stuck trading in
a car less than a year old and lose
staggering amounts of money.”
Regarding leasing, Ostroff said
don’t do it if you foresee needing
out of the contract or are moving
out of state in the next three years.
And especially don’t lease if you
drive a lot.
“Leases only allow 10,000 miles
a year and can be 15 cents a mile
after that,” he said. “I’ve had people
contact me with $5,000 in mileage
fees asking what to do.”
Ostroff advises consumers to research dealer claims and rebates,
and if it sounds too good to be
true, it is.
“You’ll see deals where the dealer
says he’ll pay off your loan no matter how much you owe,” he said.
“That sounds great if you’re upside
down on your loan. … By trading
in for a new car, that financial burden is gone. Right? That’s a huge
tactical error many people make.
The dealer is paying off your old
loan but then taking that amount
and folding it into a new car loan.
You end up paying off one and a
half loans.”
If credit history is an issue and
results in a high APR, Ostroff
recommends making additional
payments toward the principal
when possible to gradually reduce
monthly costs.
Finally, Ostroff said to play dealers off one another to find the best
deal, adding he negotiates via email
as a way to quickly share offers
among multiple dealers.
“You never know which dealer
will come in with the best price,”
he said. “One might be two sales
from a huge bonus.” CSBJ
n
Breakfast with the Journal
Join the conversation and join us for breakfast.
Storm Water Discussion
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Trying to know which way to vote on the storm water issue is like being caught in the eye of a storm.... come to
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$25 includes breakfast
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7am-9am
Mining Exchange Hotel
PLATINUM
RELATIONS
New signage goes up to show Vectrus’ name to the community.
Vectrus: Bright outlook
From page 1
Hanley, vice president, estimating and
pricing.
The Mission Systems branch of Exelis
had been based in the city since the comPast informs future
pany’s birth in 2011, and Hunzeker said
Three years before Vectrus there was
there was no need to look for a new base
Exelis, which itself was produced by a
when time came to create Vectrus. spinoff.
“We understand the responsibility [of
“We learned a ton in that process,”
being the city’s largest-grossing publicly
said Hunzeker, who previously served as
traded company] and we love to be part
Mission Systems president and general
of the Colorado Springs community,”
manager for Exelis.
he said.
Since it split from parent company
Vectrus not only maintains conITT Corp. in 2011, Exelis grew to emtracts with the U.S. Department of
ploy 10,000 workers worldwide and
Defense, NASA and the Federal Aviation
gross nearly $5 billion in annual revAdministration (all with a major presenue (2013). But due to reduced governence in the region), but works often with
ment spending and the drawdown of
area businesses and nonprofits. Most
U.S. military operations in Afghanistan,
recently, the company employed the exthe company reviewed its structure in
pertise of downtown-Colorado Springs
search of more effective ways to compete
design firm Do More Good to create
for contracts.
branding, including a green, Nike-like
Last year, the Exelis board of direcVectrus emblem Hunzeker refers to as
tors voted unanimously to separate
the “Voosh.” Do More Good also deMission Systems from the company to
signed Vectrus.com, which went live at
focus on govern3 p.m. last Friday.
ment jobs, while
But despite the exExelis would retain
citement surroundmanufacturing oping the spinoff and
erations and work
what it might mean
with commercial
for the region’s ecoclients. The decision
nomic development,
was announced in
Hunzeker doesn’t
December.
anticipate any “radi“We pride ourcal change” in the
selves in perforscope of its local
mance and opera– Kenneth Hunzeker,
operations. He said
tional excellence,”
the company’s local
Vectrus president and CEO Hunzeker said. “So
employment should
this is a win-win for
remain around 300.
both companies.”
About 30 percent of the company’s
Vectrus officially started the filing of
staff have military backgrounds, includits Form 10-K with the U.S. Securities
ing Hunzeker, a retired Army lieutenant
and Exchange Commission on March
general, and other corporate leaders.
10 and completed the process Sept. 8.
Executives who work under Hunzeker
The division’s independence was also
include: Theodore Wright, executive
positive for shareholders, who received
vice president and chief operating ofone share in Vectrus (VEC) for every
ficer; Matthew Klein, senior vice presi18 shares of Exelis stock (XLS) when
dent and chief financial officer; Michele
NYSE “when-issued” trading began
Tyler, senior vice president, chief legal
Sept. 16. According to that 1:18 ratio,
officer and corporate secretary; Frank
10 million shares of Vectrus stock were
Peloso, senior vice president and chief
distributed for the 188 million Exelis
human resources officer; Janet Oliver,
shares, according to a report by Forbes.
senior vice president, business devel“Regular-way” trading began Monday
opment; Charles Anderson, senior vice
morning at $21.75, closing at $19.51.
president, programs; Kelvin Coppock,
“It’s been an incredible process
senior vice president, contracts; George
to learn this and go through this,”
Rhynedance, vice president and chief
Hunzeker said. “Our whole goal is to
communications officer; and Richard
increase shareholder value.” CSBJ
“We want to be the
trusted partner of
choice. The name
epitomizes what we do
— and what we want to
continue to be.”
n
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Oct. 3 - Oct. 9, 2014
33
Business Leads
Incorporations
Filed with the Secretary of State when an individual or business incorporates.
ENTITY NO
CORPORATION NAME
TYPE FILING
AGENT
AGENT ADDRESS
AGENT CITY
STATE ZIP
20141563337
20141552229
20141562510
20141562511
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20141562534
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20141564028
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20141565698
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20141565749
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20141565803
20141565823
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20141565844
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20141565968
20141566037
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20141566270
20141566324
20141566398
20141566478
20141566505
20141566555
20141566558
20141566594
20141566596
20141566608
20141566612
20141566615
20141566619
20141566623
20141566625
20141566707
20141566735
20141566741
20141566750
20141566806
20141566837
20141566850
20141566852
seniorhelp
America Street, LLC
Minutemen Group, LLC
Dolfyns, LLC
SensorNova, LLC
Ursa Minor Metal Fabrication, LLC
PartnerWright, LLC
3nvy ENT, LLC
Lindsay Steed LLC
New Hope Christian Counseling
1625 Murray Blvd., LLC
10556 Wells Pt., LLC
605 Cougar Bluff, LLC
Big Pine, LLC
Rocky Mountain Boutique LLC
Realmsoft Ltd.
DP2K LLC
Cheyenne Mountain Escape
Michael Henriques Financial Advising
WORLD EXPLORERS INVESTMENTS, LLC
HVAC Bear, Inc.
A L Long Construction LLC
TeamTaylor LLC
GODSCOMICS INC
Hitspot Inc
SkiandGolf.com, LLC
Encore Consulting, Inc.
COLORADO MEDICAL CONSULTING, LLC
Right Choice Home Health LLC
Pikes Peak Climbers Alliance
Carpe Diem, Inc.
Reputation Management LLC
MJ Corp.
Zanshin Fitness Studios LLC
HARP, LLC
Cannabis Media Collective, LLC
EDL PROPERTIES 2, LLC
Brenda’s Touch PT LLC
Woolly Works Knit Shop
Colorado Professional Security Services,Inc
SOL CLEANING SERVICES CO.
COS Plumbing LLC
Flash Energy LLC
Revelion, Ltd.
COSMASS LLC
Blooms and Grooms, LLC
1stCivDiv Data, LLC
Premier Merchant Services, Inc.
Holistic Touch Massage Therapy
Whirl-i-Gig
HILTS INTERNATIONAL LLC
Rivers Grand Peak, LLC
MS Rentals, LLC, Dissolved September 18, 2014
Triton Finance, Inc.
Mister Penguin LLC
Ridge to Eave, LLC
Speak Your Piece
DePalma Insurance
The Suite 205, LLC
Senior Lifestyle Resources, LLC
First Pop Marketing Agency, Inc.
IMCO, LLC
Caitlin J Hills, LLC
KARICO Enterprises, LLC
Park Floral Design, LLC
Medicine Springs Rentals, LLC
TL Professional Cleaning LLC
3215 Atrium Point, LLC
Halcyon Bio-Clean LLC
Korean Express, Inc
Cabcaw, LLC
Sidwell Group LLC
Rainsberger Athletics, LLC
J Bar Trucking LLC
Mountain Side Construction, LLC
DANIEL BOONE CONTRACTING
MUSIC EXPRESS INC
Clear Water Plumbing Heating & Cooling LLC
Emascent LLC
LGL Construction, LLC
Periodic, Inc.
Planet T Hormone Replacement Center
Able Painting and Finishing, LLC
Based Blade Customs, LLC
Kurtz Brewing, Inc.
Buy Fix And Sell LLC
DJ Maintenance and Construction, LLC
Garlic Knot Logan St, LLC
R.H.W. Property Investments Group, LLC
Combined Security & Medical Concepts, LLC
Northgate Trading, LLC
Patrick Gallagher Agency, Inc.
Proline Excavation & Underground, LLC
Carter Staton Consulting, LLC
Valentine Endeavors, LLC
Convertable Marketing LLC
Smokeynose, LLC
Casey’s Motorsport, LLC
Earth’s Gems, L.L.C.
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Jon Veltman
Albert Kleynhans
Lindsay Steed
David Chumbley
Hayden Gregory
Hayden Gregory
Hayden Gregory
Terra Harris
Nathan Hiemenz
Brian Murphy
Loretta Jennings
Michael Henriques
ELENA STEINER
Alan Long
Lawrence Taylor
ROSEMARIE MUNOZ
Kyle Popish
Michael Allred
Kaylin Ermel
MYRNA BENNETT
Alice Adams
Bosier Parsons
Patrick Malcom
Nick Roseland
Ahmed Ezzat
Samantha Rapp
Omar Rivera
EILEEN LIPSCOMB
Brenda Feller
Pamela Brummit
OLIVIA FLORES-RIOS
brandon vinson
Rick Bailey
Trinidad Morales
Arthur Nutter
Sue Byerley
CHARLES HALEY
Kaylin Ermel
Danelle Meyerle
Mark Francis
Ramona Kravitsky
Lawrence DePalma
Janet Williams
Darian Andreson
Jordyn Wall
CHARLES HALEY
Teresita Moscosa
Roger Hamilton
Ki Lee
Lisa Rainsberger
Jacqueline Barrera
Donald Brown
DANIEL BOONE
KERI QUYE
Wayne Wildenstein
Lance Dengerud
Jeffery LaGrill
William Bradburry
Jodi Pachl
Corey Walker
Paul Serwin
Carol Wright
2525 w kiowa st
310 East Cucharras St.
2 North Cascade, Suite 1100
830 Timbertop Ct.
2130 Vickers Drive
5936 Grover Dr
3210 Austin Dr.
3210 Austin Dr.
3210 Austin Dr.
2504 Fairmount Street
2580 Raywood Vw Apt 1534
102 S. Tejon Street
5470 Broadmoor Bluffs Dr.
828 Dunston St
1587 W. COSTILLA STREET
2 North Cascade
625 W. Madison Street
2055 Sarsi Dr
5897 HUERFANO DRIVE
3440 Antero Dr
2 Pourtales Road
675 Southpointe Ct., Suite 100
4570 HILTON PARKWAY
2291 Jeanette Way
1602 Cresta Road
5911 Treeledge Dr
8117 Summerset Dr
2585 Nadine Drive
3775 E La Salle st
1248 Tonka Ave
1191 stanton st
5010 VISTA DEL ORO PT
14565 Latrobe Dr
9 E. Bijou
1054 Palacio View
1102 WOOTEN RD
2131 spring side dr
2747 Front Royal Drive
2619 Accolade Circle
4308 Ridgelane Drive
3675A Jeannine Dr
2260 Gambrell Ln.
1364 Lindenwood Grove
13530 Northgate Estates Dr
6396 MEDICINE SPRINGS DR.
675 Southpointe Ct., Suite 100
7535 N Academy Blvd
1880 Office Club Pointe
220 N. Murray Blvd Apt 208
5402 N Nevada Ave
102 S. Tejon, Suite 900
6775 Rangewood Dr.
1619 Monterey Rd
2 North Cascade
2 North Cascade
2 North Cascade
2 North Cascade
6396 MEDICINE SPRINGS DR.
1330 Michelle Court
1670 Paonia St
7518 Steward Lane
4125 Little Crown Ln
2 North Cascade
2 North Cascade
2548 Forest Oaks Point
4419 Centennial Blvd# 413
3107 West Colorado Ave. #300
3507 QUEEN ANN WAY
8353 WILMINGTON DR
133 Leta Dr.
6962 Silverwind Circle
4250 Duncan Ct
2 North Cascade
2631 West Colorado Ave
916 Carlisle Street
750 Cima Vista Pt
2 North Cascade
2 North Cascade
2 North Cascade
2 North Cascade
5563 Jennifer Lane
2 North Cascade
2 North Cascade
6510 Sproul Lane
Colorado
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Colorado incorporations (including additional contact information) are available in a sortable Excel format by subscribing to
The Transcript E-Docs for $50.00 a quarter. Contact Robyn Kirk – 719-634-5905 to subscribe.
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34 Oct. 3 - Oct. 9, 2014
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NAME CHANGES
COMBINED NOTICE
DEFERRED - PUBLICATION
CRS §38-38-803(6) FORECLOSURE
SALE NO. EPC201400680
To Whom It May Concern: This Notice is
given with regard to the following described
Deed of Trust:
On April 16, 2014, the undersigned Public
Trustee caused the Notice of Election
and Demand relating to the Deed of Trust
described below to be recorded in the
County of El Paso records.
Original Grantor(s):
JUNE ELAINE WINCHESTER
Original Beneficiary(ies):
COUNTRYWIDE HOME LOANS, INC.
Current Holder of Evidence of Debt:
COLORADO HOUSING AND FINANCE
AUTHORITY
Date of Deed of Trust:
January 05, 2004
County of Recording: El Paso
Recording Date of Deed of Trust:
January 09, 2004
Recording Information (Reception
Number): 204004767
Original Principal Amount:
$150,585.00
Outstanding Principal Balance:
$124,795.45
Pursuant to CRS §38-38-101(4)(i), you
are hereby notified that the covenants of the
deed of trust have been violated as follows:
failure to pay principal and interest when due
together with all other payments provided for
in the evidence of debt secured by the deed
of trust and other violations thereof.
THE LIEN FORECLOSED MAY NOT BE
A FIRST LIEN.
The property to be foreclosed is:
LOT 12 IN OLD FARM SUBDIVISION
FILING NO. 13, IN THE CITY OF
COLORADO SPRINGS, COUNTY OF EL
PASO, STATE OF COLORADO.
Also known by street and number as:
5010 WILLOWBROOK ROAD, COLORADO
SPRINGS, CO 80917.
THE PROPERTY DESCRIBED HEREIN
IS ALL OF THE PROPERTY CURRENTLY
ENCUMBERED BY THE LIEN OF THE
DEED OF TRUST.
NOTICE OF SALE
The current holder of the Evidence of Debt
secured by the Deed of Trust, described
herein, has filed Notice of Election and
Demand for sale as provided by law and in
said Deed of Trust. The original Sale Date
was scheduled for August 13, 2014 but
was deferred pursuant to Colorado Revised
Statutes 38-38-801 et seq. The deferment
period has been terminated or ended and
the Sale may now proceed according to law.
THEREFORE, Notice Is Hereby Given
that I will at public auction, at 10:00 on
Wednesday, 11/12/2014 (formerly scheduled
for August 13, 2014 and continued for
deferment) , at Robert Russel Building, 105
East Vermijo, Suite 101, Colorado Springs,
Colorado, 80903, sell to the highest and best
bidder for cash, the said real property and
all interest of the said Grantor(s), Grantor(s)’
heirs and assigns therein, for the purpose
of paying the indebtedness provided in said
Evidence of Debt secured by the Deed of
Trust, plus attorneys’ fees, the expenses of
sale and other items allowed by law, and
will issue to the purchaser a Certificate of
Purchase, all as provided by law.
First Publication of Notice of
Deferred Sale: 9/19/2014
Last Publication of Notice of
Deferred Sale: 10/17/2014
Name of Publication:
IF THE SALE DATE IS CONTINUED
TO A LATER DATE, THE DEADLINE TO
FILE A NOTICE OF INTENT TO CURE BY
THOSE PARTIES ENTITLED TO CURE
MAY ALSO BE EXTENDED.
DATE: 8/14/2014
Thomas S. Mowle, Public Trustee in and
for the County of El Paso, State of Colorado
By: Thomas S. Mowle, Public Trustee
The name, address, business telephone
number and bar registration number of the
attorney(s) representing the legal holder of
the indebtedness is:
Eve M. Grina #43658
JANEWAY LAW FIRM, P.C.
9800 S. Meridian Blvd., Suite 400
Englewood, CO 80112
(303) 706-9990
Attorney File # 14-001004
The Attorney above is acting as a debt
collector and is attempting to collect a
debt. Any information provided may be
used for that purpose.
©Public Trustees’ Association of Colorado
Revised 9/2012
COMBINED NOTICE
RESTART - PUBLICATION
CRS §38-38-109(2)(b)(II)
FORECLOSURE SALE
NO. EPC201301202
Republished to restart foreclosure stayed
by bankruptcy and reset sale date.
Deed of Trust:
On July 7, 2014, the undersigned Public
Daniel R. Kern and Theresa A. Kern
Peoples Mortgage Corporation
JPMorgan
Chase
Bank,
National
Association
October 30, 2001
October 31, 2001
Number): 201157863
$69,156.00
$55,888.70
A FIRST LIEN.
PLEASE SEE ATTACHED LEGAL
DESCRIPTION
EPC201301202
LEGAL DESCRIPTION
CONDOMINIUM
UNIT
H
IN
BUILDING 3405 IN THE SIERRA
POINTE CONDOMINIUMS (FORMERLY
KNOWN AS SNAPFINGER WOODS
CONDOMINIUMS), ACCORDING TO THE
AMENDED CONDOMINIUM MAP FOR
SNAPFINGER WOOD CONDOMINIUMS,
RECORDED ON JUNE 22, 1982 IN BOOK
2 AT PAGE 58, RECEPTION NO. 781667
IN THE RECORDS OF THE CLERK AND
RECORDER AT THE COUNTY OF EL
PASO, COLORADO, AND AS DEFINED
AND DESCRIBED IN THE AMENDED
AND
RESTATED
CONDOMINIUM
DECLARATION FOR SIERRA POINTE
CONDOMINIUMS (FORMERLY KNOWN AS
SNAPFINGER WOODS CONDOMINIUMS)
RECORDED ON MAY 22, 1986, IN BOOK
5173 AT PAGE 1468, RECEPTION NO.
01399203 IN SAID RECORDS, COUNTY
OF EL PASO, STATE OF COLORADO,
3405 Rebecca Lane #H, Colorado Springs,
CO 80917.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
Wednesday, 11/05/2014, at Robert Russel
Building, 105 East Vermijo, Suite 101,
Colorado Springs, Colorado, 80903, sell
to the highest and best bidder for cash,
the said real property and all interest of
the said Grantor(s), Grantor(s)’ heirs and
assigns therein, for the purpose of paying
the indebtedness provided in said Evidence
of Debt secured by the Deed of Trust, plus
attorneys’ fees, the expenses of sale and
other items allowed by law, and will issue to
the purchaser a Certificate of Purchase, all
as provided by law.
First Publication: 9/12/2014
Last Publication: 10/10/2014
DATE: 07/07/2014
Marcello Rojas #46396
Klatt, Odekirk, Augustine, Sayer,
Trienen & Rastede, P.C.
9745 E. Hampden Ave., Suite 400
Denver, CO 80231
(303) 353-2965
Attorney File # CO140062
Revised 9/2012
COMBINED NOTICE - PUBLICATION
CRS §38-38-103 FORECLOSURE SALE
NO. EPC201401010
Deed of Trust:
Darlene M Peetz and Howard M Peetz
MetLife Home Loans, a Division of MetLife
Bank, N.A.
Nationstar Mortgage LLC d/b/a Champion
Mortgage Company
July 01, 2010
July 08, 2010
Number): 210065205
$262,500.00
$152,668.31
A FIRST LIEN.
LOT 5 IN BLOCK 3 IN REPLAT EAST
ONE-HALF OF BLOCK 18 AND ALL
OF BLOCKS 23, 24 AND 32 IN AUSTIN
ESTATES SUBDIVISION NO. 2, IN
THE CITY OF COLORADO SPRINGS,
ACCORDING TO THE PLAT THEREOF
RECORDED IN PLAT BOOK F-2 AT PAGE
25, COUNTY OF EL PASO, STATE OF
COLORADO.
1417 Tesla Dr, Colorado Springs, CO 80909.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/01/2014
Monica Kadrmas #34904
ARONOWITZ & MECKLENBURG, LLP
1199 Bannock Street
Denver, CO 80204
(303) 813-1177
Attorney File # 8686.100066.F01
Revised 9/2012
NO. EPC201401025
Deed of Trust:
JIM
MARTINHO
AND
NICOLE
MARTINHO
MORTGAGE
ELECTRONIC
REGISTRATION SYSTEMS, INC., ACTING
SOLELY AS NOMINEE FOR LENDER,
COUNTRYWIDE BANK, FSB
BANK OF AMERICA, N.A.
April 09, 2009
April 15, 2009
Number): 209038753
$232,241.00
$216,420.88
A FIRST LIEN.
LOT 9, WAGON TRAILS SUBDIVISION
FILING NO. 32, CITY OF COLORADO
SPRINGS, COUNTY OF EL PASO, STATE
OF COLORADO.
7146 GRAND PRAIRIE DR, COLORADO
SPRINGS, CO 80923-8763.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
Oct. 3 - Oct. 9, 2014
37
PUBLIC NOTICES
as provided by law.
DATE: 07/03/2014
Toni M.N. Dale #30580
Medved Dale Decker & Deere, LLC
355 Union Blvd., Suite 250
Lakewood, CO 80228
(303) 274-0155
Attorney File # 14-910-26864
Revised 9/2012
NO. EPC201401029
Deed of Trust:
Kristina M Higdon and William L Higdon
Mortgage
Electronic
Registration
Systems, Inc. acting solely as nominee for
DHI Mortgage Company LTD
Wells Fargo Bank, NA
April 24, 2006
May 02, 2006
Number): 206063718
$254,583.00
$226,974.35
A FIRST LIEN.
LOT 11, CLAREMONT RANCH FILING
NO. 7. IN THE COUNTY OF EL PASO,
STATE OF COLORADO, AFFIDAVIT OF
CORRECTION RECORDED JUNE 2, 2005
UNDER RECEPTION NO. 205080598 AND
JULY 19, 2005 UNDER RECEPTION NO.
205108709.
1973 Dewhirst Drive, Colorado Springs, CO
80915.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/03/2014
Lynn M. Janeway #15592
Englewood, CO 80112
(303) 706-9990
Revised 9/2012
NO. EPC201401030
Deed of Trust:
Todd R Melcher
Mortgage
Electronic
Registration
Home Savings of America
Nationstar Mortgage LLC
August 25, 2009
August 27, 2009
Number): 209102371
$208,000.00
$190,921.96
A FIRST LIEN.
LOT 8 IN REPLAT OF BLOCK 16
AND THE EAST HALF OF BLOCK 9 IN
GRAND VIEW ADDITION, IN THE CITY
OF COLORADO SPRINGS, EL PASO
COUNTY, COLORADO.
2003 East San Miguel Street, Colorado
Springs, CO 80909.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/03/2014
Joan Olson #28078
1199 Bannock Street
Denver, CO 80204
(303) 813-1177
Revised 9/2012
NO. EPC201401034
Deed of Trust:
Erick L. Patterson
Clarion Mortgage Capital, Inc.
August 04, 2003
August 29, 2003
Number): 203201852
$80,235.00
$63,584.56
A FIRST LIEN.
LOTS 5 AND 6, IN BLOCK 30, IN KNOB
HILL ADDITION TO COLORADO SPRINGS,
EL
PASO
COUNTY,
COLORADO,
ACCORDING TO THE PLAT THEREOF
RECORDED IN PLAT BOOK C AT PAGE 31.
Also known by street and number as: 921
Prairie Road, Colorado Springs, CO 80909.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/03/2014
Erin C. Robson #46557
McCarthy & Holthus, LLP
7700 E. Arapahoe Road, Suite 150
Centennial, CO 80112
(877) 369-6122
Attorney File # CO-14-634452-JS
Revised 9/2012
NO. EPC201401049
Deed of Trust:
Jay W. Shrimplin and Judith R. Shrimplin
Mortgage
Electronic
Registration
Systems, Inc., as nominee for Mortgage
Investors Corporation
Freedom Mortgage Corporation
September 02, 2011
September 12, 2011
Number): 211088168
$201,577.00
$195,199.82
A FIRST LIEN.
THE LAND REFERRED TO HEREIN
BELOW IS SITUATED IN THE COUNTY OF
EL PASO, STATE OF COLORADO, AND IS
DESCRIBED AS FOLLOWS:
LOT 13 IN RIDGEVIEW AT STETSON
HILLS, FILING NO. 1, AND AS AMENDED
BY SURVEYOR’S AFFIDAVIT RECORDED
MAY 26, 1999 AT RECEPTION NO.
99084326, IN THE CITY OF COLORADO
SPRINGS,
EL
PASO
COUNTY,
COLORADO.
Mesa Mountain Way, Colorado Springs, CO
80923.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/08/2014
Stephen A. Hall #38186
Hellerstein and Shore, P.C.
5347 S. Valentia Way, Suite 100
Greenwood Village, CO 80111
(303) 573-1080
Attorney File # 14-00112SH
Revised 9/2012
NO. EPC201401051
Deed of Trust:
HEATHER S. LAWRENCE
PEOPLES MORTGAGE CORPORATION
AUTHORITY
March 18, 2008
March 20, 2008
Number): 208032148
$158,332.00
$144,255.96
A FIRST LIEN.
LOT 5, BLOCK 13, CIMARRON HILLS
FILING NO.5, COUNTY OF EL PASO,
STATE OF COLORADO
WHITE MOUNTAIN DRIVE, COLORADO
SPRINGS, CO 80915.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/08/2014
Courtney E. Wright #45482
Englewood, CO 80112
(303) 706-9990
Revised 9/2012
NO. EPC201401052
Deed of Trust:
NICOLE MARTINEZ
MORTGAGE
ELECTRONIC
REGISTRATION
SYSTEMS,
INC.,
AS NOMINEE FOR HOMECOMINGS
FINANCIAL NETWORK INC.
SRP 2013-4 LLC
April 17, 2006
April 25, 2006
Number): 206059573
Re-Recording Information (Reception
Number): 214055017
Re-Recording Date of Deed of Trust:
June 25, 2014
$30,900.00
$27,524.20
A FIRST LIEN.
HILLS FILING NO. 11, IN THE CITY OF
COLORADO SPRINGS, EL PASO COUNTY,
COLORADO.
POUDRE WAY, COLORADO SPRINGS, CO
80922.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/08/2014
Karen J. Radakovich #11649
Frascona Joiner Goodman
and Greenstein PC
4750 Table Mesa Drive
Boulder, CO 80305-5500
(303) 494-3000
Revised 9/2012
NO. EPC201401055
Deed of Trust:
DESSERT CANYON 1, LLC AND
DESSERT CANYON 2, LLC AND DESSERT
CANYON 3, LLC
CWCAPITAL LLC
CROSSROADS DEBT HOLDINGS LLC
March 31, 2006
March 31, 2006
Number): 206046970
$7,840,000.00
$6,949,919.43
A FIRST LIEN.
SEE EXHIBIT “A” ATTACHED HERETO
AND INCORPORATED HEREIN BY THIS
REFERENCE
EPC201401055
EXHIBIT “A”
Legal Description
The Premises:
Parcel 1:
Lot 1 in Galleyco Subdivision, in the City of
Colorado Springs, El Paso County, Colorado
except any portion thereof lying within the
Northerly 27.30 feet of Lot 1 in Block 1 in
Hub Subdivision Filing No. 8.
Parcel 2:
A non-exclusive easement for ingress
and egress purposes over and across the
Westerly 12.5
feet of Lot 1 in Block 1 in Vernon DeWitt
Subdivision No. 1, in the City of Colorado
Springs, El Paso County, Colorado, as
created by and described in that certain
Agreement, recorded July 11, 1973 in Book
2604 at Page 24 and as depicted on the plat
of Galleyco Subdivision.
Parcel 3:
A surface easement for the intermittent
parking of motor vehicles and the surface
marking of parking spaces over and across
the Easterly 4 feet of Lot 1 in Block 1
in Hub Subdivision Filing No. 7 and the
Northerly 27.30 feet of Lot 1 in Block 1 in
Hub Subdivision Filing No. 8, both in the
City of Colorado Springs, El Paso County,
Colorado, as created by and described in
that certain Parking Easement, recorded in
Book 3272 at Page 969, and as depicted on
the plat of Galleyco Subdivision.
Parcel 4:
A reciprocal, non-exclusive roadway
easement as created by and described that
certain Deed of Easement recorded October
1, 1974 in Book 2709 at Page 384, more
particularly described as follows:
Commencing at the northwest corner
of the Hub Subdivision No. 8 thence S 0
degrees 1minute 54 seconds W along the
westerly boundary of Hub Subdivision No.
8 a distance of 12 feet to the TRUE POINT
OF BEGINNING; thence N 89 degrees 59
minutes 53 seconds E a distance of 186
feet to a point on the easterly boundary
line of Hub Subdivision No. 8; thence S 0
degrees 1 minute 54 seconds W along the
easterly boundary of Hub Subdivision No.8 a
distance of 40 feet; thence S 89 degrees 59
minutes 53 seconds W a distance of 186 feet
to a point on the westerly boundary line of
Hub Subdivision No. 8; thence N 0 degrees
1 minute 54 seconds E a distance of 40 feet
along the westerly boundary line of Hub
Subdivision No. 8 to the TRUE POINT OF
BEGINNING, except as to that portion within
Galleyco Subdivision.
Parcel 5:
A non-exclusive easement for roadways
and driveways, as created by and described
in that certain Cross Easement Agreement
recorded February 26, 1991 in Book 5815
at Page 1400.
Together with:
All easements, rights-of-way, strips
and gores of land, streets, ways, alleys,
passages, sewer rights, water, water
courses. water rights and powers, air
rights and development rights, all rights
to oil, gas, minerals, coal and other
substances of any kind or character, and all
estates, rights, titles, interests, privileges,
liberties, tenements, hereditaments and
appurtenances of any nature whatsoever,
in any way belonging, relating or pertaining
to the Premises and the Improvements and
the reversion and reversions, remainder and
remainders, and all land lying in the bed of
any street, road, highway, alley or avenue,
opened, vacated or proposed, in front of or
adjoining the Premises, to the center line
thereof and all the estates, rights, titles,
interests, dower and rights of dower, curtsey
and rights of curtsey, property, possession,
claim and demand whatsoever, both at
law and in equity, of Borrower of, in and
to the Premises and the Improvements
and every part and parcel thereof, with the
appurtenances thereto;
All machinery, furniture, furnishings,
equipment, computer software and hardware,
fixtures (including, without limitation, all
heating, air conditioning, plumbing, lighting,
communications and elevator fixtures) and
other property of every kind and nature,
whether tangible or intangible, whatsoever
owned by Borrower, or in which Borrower
has or shall have an ownership interest,
now or hereafter located upon the Premises
and the Improvements, or appurtenant
thereto, and usable in connection with the
present or future operation and occupancy
of the Premises and the Improvements
and all building equipment, materials and
supplies of any nature whatsoever owned
by Borrower, or in which Borrower has or
shall have an ownership interest, now or
hereafter located upon the Premises and
the Improvements, or appurtenant thereto,
or usable in connection with the present or
future operation, enjoyment and occupancy
of the Premises and the Improvements
(hereinafter collectively referred to as the
“Equipment”), including any leases of any
of the foregoing, any deposits existing
at any time in connection with any of the
foregoing, and the proceeds of any sale or
transfer of the foregoing, and the right, title
and interest of Borrower in and to any of
the Equipment that may be subject to any
“security interests” as defined in the Uniform
Commercial Code, as adopted and enacted
by the State or States where any of the
Security Property is located (the “Uniform
Commercial Code”), superior in lien to the
lien of this Security Instrument;
Awards or payments, including interest
thereon, that may heretofore and hereafter
be made with respect to the Premises
and the Improvements, whether from the
exercise of the right of eminent domain or
condemnation (including, without limitation,
any transfer made in lieu of or anticipation
of the exercise of said rights), or for a.
change of grade, or for any other injury to or
decrease in the value of the Premises and
Improvements;
All leases and other agreements or
arrangements heretofore or hereafter
entered into affecting the use, enjoyment
or occupancy of, or the conduct of any
activity upon or in, the Premises and the
Improvements, including any extensions,
renewals, modifications or amendments
thereof (the “Leases”) and all rents, rent
equivalents, other consideration (including
stock and options), moneys payable
as damages or in lieu of rent or rent
equivalents, royalties (including, without
limitation, all oil and gas or other mineral
royalties and bonuses), income, receivables,
receipts, revenues, deposits (including,
without limitation, security, utility and other
deposits), accounts, cash, issues, profits,
charges for services rendered, and other
consideration of whatever form or nature
received by or paid to or for the account
of or benefit of Borrower or its agents or
employees from any and all sources arising
from or attributable to the Premises and
the Improvements, and all security for the
performance of any obligations under any
Lease, including security deposits and letters
of credit (the “Rents”), in each case together
with all proceeds from the sale or other
disposition of the Leases and the right to
receive and apply the Rents to the payment
of the Debt;
All proceeds of and any unearned
premiums on any insurance policies covering
the Security Property, including, without
limitation, the right to receive and apply the
proceeds of any insurance, judgments, or
settlements made in lieu thereof, for damage
to the Security Property;
The right, in the name and on behalf
of Borrower, to appear in and defend any
action or proceeding brought with respect to
the Security Property and to commence any
action or proceeding to protect the interest of
Lender in the Security Property;
All accounts, escrows, documents,
instruments, chattel paper, claims, deposits
and general intangibles, as the foregoing
terms are defined in the Uniform Commercial
Code, and all franchises, trade names,
trademarks, symbols, service marks, books,
records, plans, specifications, designs,
drawings, permits, consents, licenses,
management agreements, contract rights
(including, without limitation, any contract
with any architect or engineer or with any
other provider of goods or services for or
in connection with any construction, repair,
or other work upon the Security Property),
approvals, actions, refunds of real estate
taxes and assessments (and any other
governmental impositions related to the
Security Property), and causes of action
that now or hereafter relate to, are derived
from or are used in connection with the
Security Property, or the use, operation,
maintenance, occupancy or enjoyment
thereof or the conduct of any business or
activities thereon (hereinafter collectively
referred to as the “Intangibles”); and
All proceeds, products, offspring, rents
and profits from any of the foregoing,
including, without limitation, those from sale,
exchange, transfer, collection, loss, damage,
disposition, substitution or replacement of
any of the foregoing.
Also known by street and number
as:
1005-1075
NORTH
ACADEMY
BOULEVARD, COLORADO SPRINGS, CO
80909.
DEED OF TRUST.
NOTICE OF SALE
38 Oct. 3 - Oct. 9, 2014
PUBLIC NOTICES
said Deed of Trust.
as provided by law.
DATE: 07/09/2014
Joseph E. Lubinski #34945
Ballard Spahr LLP
1225 17th Street, Suite 2300
Denver, CO 80202-5596
(303) 292-2400
Attorney
File
#
DESSERT_
CANYON_123_LLC
Revised 9/2012
NO. EPC201401072
Deed of Trust:
Richard D Everett
Mortgage
Electronic
Registration
Systems, Inc., as nominee for Countrywide
Bank, FSB
Bank of America, N.A.
September 25, 2007
October 11, 2007
Number): 207132797
$155,000.00
$149,826.48
A FIRST LIEN.
SEE EXHIBIT A ATTACHED HERETO
AND INCORPORATED HEREIN BY
REFERENCE
EPC201401072
EXHIBIT A
A PARCEL OF LAND LOCATED IN THE
STATE OF CO, COUNTY OF EL PASO,
WITH A SITUS ADDRESS OF 2860 ORO
BLANCO DR, COLORADO SPRINGS CO
80917-3744 C007 CURRENTLY OWNED
BY EVERETT RICHARD D & HAVING A
TAX ASSESSOR NUMBER OF 63363-15016 AND BEING THE SAME PROPERTY
MORE FULLY DESCRIBED AS LOT 1, WLY
0.5 FT OF LOT 2 BLK 1 VILLA LOMA SUB
FIL NO 4 AMENDED AND DESCRIBED
IN DOCUMENT NUMBER 40383 DATED
02/24/2005 AND RECORDED 03/23/2005.
2860 Oro Blanco Dr, Colorado Springs, CO
80917-3744.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/15/2014
Iman Tehrani #44076
(877) 369-6122
Revised 9/2012
NO. EPC201401074
Deed of Trust:
Robert W. Slusarczyk
Mortgage
Electronic
Registration
Systems, Inc. acting solely as nominee
for CH Mortgage Company I DBA Melody
Mortgage Co.
Wells Fargo Bank, N.A.
December 30, 2002
January 08, 2003
Number): 203006056
$155,295.00
$163,779.10
A FIRST LIEN.
LOT 24, RIDGEVIEW AT STETSON
HILLS FILING NO. 9, COUNTY OF EL
6342 Rockville Drive, Colorado Springs, CO
80922.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/15/2014
1199 Bannock Street
Denver, CO 80204
(303) 813-1177
Revised 9/2012
NO. EPC201401075
Deed of Trust:
Sally Swope
Mortgage
Electronic
Registration
Systems, Inc., acting solely as nominee for
First Franklin a Division of National City Bank
U.S. Bank National Association, as
Trustee, in trust for registered holders of First
Franklin Mortgage Loan Trust, Mortgage
Loan Asset-Backed Certificates, Series
2007-FF2
December 04, 2006
December 07, 2006
Number): 206178067
$154,000.00
$164,457.22
A FIRST LIEN.
LOT 21, STETSON HILLS SUBDIVISION
FILING NO 17, IN THE CITY OF
PASO, STATE OF COLORADO
4846 Ardley Drive, Colorado Springs, CO
80922.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/15/2014
1199 Bannock Street
Denver, CO 80204
(303) 813-1177
Attorney File # 5050.00213
Revised 9/2012
NO. EPC201401086
Deed of Trust:
THOMAS A AXTELL AND ALICE LYNN
JANSEN
MORTGAGE
ELECTRONIC
REGISTRATION SYSTEMS, INC. AS
NOMINEE FOR FREEDOM MORTGAGE
CORPORATION
FREEDOM MORTGAGE CORPORATION
January 24, 2012
February 06, 2012
Number): 212013344
$200,479.00
$194,170.98
A FIRST LIEN.
LOT 8 IN BLOCK 3 IN VILLA LOMA
HEIGHTS FILING NO. 4, COUNTY OF EL
ASSESSOR’S PARCEL NO: 6336408025
2910 LAVARIE DR, COLORADO SPRINGS,
CO 80917.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/17/2014
Englewood, CO 80112
(303) 706-9990
Revised 9/2012
NO. EPC201401088
Deed of Trust:
KIMBERLY R. SPERRY
PEOPLES MORTGAGE CORPORATION
AUTHORITY
September 05, 2003
September 15, 2003
Number): 203215705
$97,962.00
$89,905.98
A FIRST LIEN.
LOT 3 IN HEATHERWOOD VILLAGE, EL
PASO COUNTY, COLORADO.
DARCY LANE, COLORADO SPRINGS, CO
80915.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/17/2014
Alison L. Berry #34531
Englewood, CO 80112
(303) 706-9990
Revised 9/2012
NO. EPC201401090
Deed of Trust:
Deanne K Borja
U.S. BANK NATIONAL ASSOCIATION
ND
CitiMortgage, Inc.
June 10, 2005
June 21, 2005
Number): 205092285
$139,000.00
$124,679.26
A FIRST LIEN.
LOT 11, BLOCK 12 IN SMARTT’S
SUBDIVISION NO. 5, FILING NO. 2,
COUNTY OF EL PASO, STATE OF
COLORADO.
Balfour Ave, Colorado Springs, CO 80909.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/17/2014
1199 Bannock Street
Denver, CO 80204
(303) 813-1177
Revised 9/2012
NO. EPC201401106
Deed of Trust:
DAVID W SANCHEZ AND JENNIFER K
SANCHEZ
MORTGAGE
ELECTRONIC
REGISTRATION SYSTEMS, INC. AS
NOMINEE FOR PEOPLES NATIONAL
BANK
AUTHORITY
November 21, 2012
November 26, 2012
Number): 212139839
$196,327.00
$191,566.64
A FIRST LIEN.
LOT 2 IN BLOCK 6 IN CONSTITUTION
HILLS NORTH FILING NO. 3, IN THE CITY
COUNTY, COLORADO.
3065 RICHMOND DRIVE, COLORADO
SPRINGS, CO 80922.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/21/2014
Englewood, CO 80112
(303) 706-9990
Revised 9/2012
NO. EPC201401110
Deed of Trust:
SANDRA K DAVIS AND MILKO M DAVIS
ENT FEDERAL CREDIT UNION
ENT FEDERAL CREDIT UNION
Date of Deed of Trust
July 30, 2010:
August 03, 2010
Number): 210073889
$189,941.00
$180,601.90
A FIRST LIEN.
HILLS FILING NO. 23, EL PASO COUNTY,
COLORADO
6409 AQUATIC CIRCLE, COLORADO
SPRINGS, CO 80923.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/22/2014
Eve M. Grina #43658
Englewood, CO 80112
(303) 706-9990
Revised 9/2012
NO. EPC201401119
Deed of Trust:
SHARON L. MILLER
MORTGAGE
ELECTRONIC
REGISTRATION SYSTEMS, INC., ACTING
SOLELY AS NOMINEE FOR LENDER,
COLORADO CAPITAL BANK
BANK OF AMERICA, N.A.
January 20, 2011
January 25, 2011
Number): 211008520
$211,759.00
$201,393.24
A FIRST LIEN.
LOT 66 IN OLD FARM SUBDIVISION
FILING NO. 8, IN THE CITY OF COLORADO
SPRINGS, COUNTY OF EL PASO, STATE
OF COLORADO.
OLD FARM CIRCLE EAST, COLORADO
SPRINGS, CO 80917.
Oct. 3 - Oct. 9, 2014
39
PUBLIC NOTICES
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/23/2014
Jolene Kaminski #46144
Medved Dale Decker & Deere, LLC
355 Union Blvd., Suite 250
Lakewood, CO 80228
(303) 274-0155
Attorney File # 14-910-26975
Revised 9/2012
NO. EPC201401125
Deed of Trust:
DEAN E ORTEGA AND NICOLE M
ORTEGA
WELLS FARGO BANK, N.A.
AUTHORITY
July 28, 2005
August 04, 2005
Number): 205119543
$181,500.00
$164,048.26
A FIRST LIEN.
LOT 14, BLOCK 3, WILLOW RUN
FILING NUMBER 1, IN THE CITY OF
NONCHALANT CIRCLE N, COLORADO
SPRINGS, CO 80917.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/23/2014
Englewood, CO 80112
(303) 706-9990
Revised 9/2012
NO. EPC201401127
Deed of Trust:
Brian K Harris
Mortgage
Electronic
Registration
Systems, Inc., acting solely as nominee for
MORTGAGE SOLUTIONS OF COLORADO,
LLC
U.S. BANK NATIONAL ASSOCIATION, as
trustee for the SROF-2013-S3 REMIC Trust I
January 09, 2009
February 05, 2009
Number): 209011580
$200,636.00
$189,881.76
A FIRST LIEN.
LOT 7, IN BLOCK 6, IN VILLA LOMA
SUBDIVISION, FILING NO. 4, AMENDED,
IN THE CITY OF COLORADO SPRINGS,
COUNTY OF EL PASO, STATE OF
COLORADO.
2980 Inspiration Drive, Colorado Springs,
CO 80917.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/24/2014
1199 Bannock Street
Denver, CO 80204
(303) 813-1177
Revised 9/2012
NO. EPC201401130
Deed of Trust:
Anthony J Santi
Mortgage
Electronic
Registration
Academy Mortgage Corporation
December 30, 2010
January 11, 2011
Number): 211003975
$181,060.00
$176,082.14
A FIRST LIEN.
LOT 55, CENTURY COMMUNITIES AT
NOR’WOOD FILING NO. 1, COUNTY OF
EL PASO, STATE OF COLORADO.
4234 High Timberline View, Colorado
Springs, CO 80923.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/24/2014
Iman Tehrani #44076
(877) 369-6122
Revised 9/2012
NO. EPC201401132
Deed of Trust:
KATHLEEN WETHERBEE
U.S. BANK NATIONAL ASSOCIATION
ND
U.S. BANK NATIONAL ASSOCIATION AS
SUCCESSOR BY MERGER TO U.S. BANK
NATIONAL ASSOCIATION ND
May 12, 2003
June 11, 2003
Number): 203129543
$20,000.00
$15,692.17
A FIRST LIEN.
LOT 2, BLOCK 1, MAIZELAND MOORS
SUBDIVISION FILING NO. 7, COUNTY OF
EL PASO, STATE OF COLORADO.
TAX/PARCEL NUMBER: 6335319033
4068 TURNBERRY CT, COLORADO
SPRINGS, CO 80909.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/24/2014
Torben M. Welch #34282
Messner Reeves LLP
1430 Wynkoop Street, Suite 300
Denver, CO 80202
(303) 623-1800
Revised 9/2012
NO. EPC201401134
Deed of Trust:
Sean T. Hannon and Rebecca S. Hannon
Mortgage
Electronic
Registration
Systems, Inc., as nominee for GMAC Bank
Ocwen Loan Servicing, LLC
February 22, 2005
March 08, 2005
Number): 205033020
$156,892.00
$139,223.11
A FIRST LIEN.
Lot 49, Cimarron Eastridge, Filing No. 2,
County of El Paso, State of Colorado
1875 Shawnee Drive, Colorado Springs, CO
80915.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/29/2014
David A. Shore #19973
(303) 573-1080
Revised 9/2012
NO. EPC201401139
Deed of Trust:
MARY J. REID
TCF NATIONAL BANK
TCF NATIONAL BANK
September 13, 2013
October 04, 2013
Number): 213125354
$89,250.00
$89,250.00
A FIRST LIEN.
SEE EXHIBIT “A” ATTACHED HERETO
EPC201401139
EXHIBIT A
ALL REAL PROPERTY, TOGETHER
WITH IMPROVEMENTS, IF ANY, SITUATE,
LYING AND BEING IN THE COUNTY OF
EL PASO AND STATE OF COLORADO,
DESCRIBED AS FOLLOWS:
LOT 4 IN BLOCK 6 IN SMARTTS
SUBDIVISION NO. 5 FILING NO. 2 NOW
A PART OF THE CITY OF COLORADO
SPRINGS,
EL
PASO
COUNTY,
COLORADO.S
This being the same property conveyed to
JAMES M. REID AND MARY J. REID, dated
04/21/2004 and recorded in Instrument
Number 204066795, in the El Paso County
Recorders Office.
PARCEL: 6416121007
1214764
Address: 114 N GARO AVE, COLORADO
SPRINGS, CO
N. GARO AVENUE, COLORADO SPRINGS,
CO 80909.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/29/2014
Lindsay S. Smith #35875
WINZENBURG LEFF PURVIS
& PAYNE LLP
1660 Lincoln Street, Suite 1550
Denver, CO 80264
(303) 863-1870
Revised 9/2012
NO. EPC201401140
Deed of Trust:
Richard S. Peat and Kathy L. Peat
Option One Mortgage Corporation, a
California Corporation
HSBC Bank USA, National Association,
as Trustee for SG Mortgage Securities Trust
2006-OPT2, Asset Backed Certificates,
Series 2006-OPT2
June 26, 2006
July 03, 2006
Number): 206098063
$197,100.00
$194,100.42
A FIRST LIEN.
LOT 48, THE RANGE AT SPRINGS
RANCH FILING NO. 1, IN THE CITY OF
7040 Mcewan Street, Colorado Springs, CO
80922.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/29/2014
David A. Shore #19973
(303) 573-1080
Revised 9/2012
NO. EPC201401145
Deed of Trust:
LACHINA TILLMAN
BOKF, NA DBA COLORADO STATE
BANK AND TRUST
BOKF, N.A., A NATIONAL BANKING
ASSOCIATION
D/B/A
BANK
OF
OKLAHOMA,
AS
SUCCESSOR
IN
INTEREST BY MERGER TO COLORADO
STATE BANK & TRUST, N.A.
May 27, 2011
May 27, 2011
Number): 211052224
$297,268.00
$290,194.58
A FIRST LIEN.
LOT
70
IN
STETSON
HILLS
SUBDIVISION FILING 30, IN THE CITY
COUNTY, COLORADO.
5405 HOPALONG TRAIL, COLORADO
SPRINGS, CO 80922.
DEED OF TRUST.
NOTICE OF SALE
said Deed of Trust.
as provided by law.
DATE: 07/30/2014
Milnor H. Senior, III #7226
Randall S. Miller & Associates, P.C.
216 16th Street, Suite 1210
Denver, CO 80202
(720) 259-6710
Attorney File # 14CO00166-1
Revised 9/2012
The Transcript
can publish your
Notices To Creditors
40 Oct. 3 - Oct. 9, 2014
the greater good
Vol. 2 No. 37
Continental Drift:
An American Slide to Mediocrity
Michael Hannigan
It’s discouraging watching the American people--all of us---becoming less and less healthy every
year, every generation.
We’re drifting slowly towards mediocrity, and it
seems like most of us prefer to sleepwalk into that
future instead of acting to make our lives better.
So what’s causing the drift?
Our food. In just two generations, we have moved
from all organic to heavily chemically-treated food;
from a robust local food economy to an unsustainable industrial system; from knowing what to eat
and how to cook it to having no clue.
Our health. In just two generations, heart disease
has moved from being uncommon to widespread;
diabetes from rare to common; mental illness from
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uncommon to prevalent.
Our fitness: In just two generations, obesity has risen from rare
to common; overall fitness from
good to poor.
Our medicine: In just two generations, our dependence on pharmaceutical symptom treatment
has gone from rare to ubiquitous and addictive.
Our technology: In just two generations, our use
of technology has moved from appropriate and
optimal to overpowering systems that control most
aspects of our lives.
Our community connection: In just two generations, the ways we connect with others in our
community has moved from interdependent and
synergistic to isolated and flat-screen dependent.
The Building Blocks
of Philanthropy
Eric Cefus
I still remember it all very clearly:
my brother and I both vying for the
same treat all those years ago. The
thing is, it was my popsicle – I’d
gotten the treat in the first place. But
our mother, using the voice that still
resonates with me today, had asked
that I share my dessert with him.
I didn’t realize that passing over half
of that popsicle, albeit somewhat unhappily, would create one of my very
first acts of philanthropy. Sure, it went
a bit against my immediate desire to
eat my dessert, in its entirety, all by
myself. But it was also a defining
moment.
Sharing half of a popsicle with my
brother was such a small thing, but
it made him enormously happy at the
time. And more than that, it made me
feel good, too. Bottom line: Isn’t that
what giving to others is all about?
That “good feeling” I found by
sharing a small
dessert with my
brother continues
for me as an adult,
though these days
I’m offering less in
the way of popsicles, and more in
the way of dollars and time to charitable organizations.
Fundamentally, philanthropy is
anything that represents an effort
to help others. The size of the gift
isn’t what defines a philanthropist
– instead, it’s the meaning and the
effort behind the gift. Whether you’re
able to write a hefty check or volunteer your valuable time to help a
worthy organization, your actions will
be welcomed and appreciated.
As for my brother and the popsicle
half I never saw again: Thanks for
teaching me that even the smallest
acts of kindness can prompt big
changes.
[email protected]
What can we do about it?
Here’s one recipe, one set of values for the future:
I understand and value healthy food.
I value being healthy.
I value being fit at an optimal weight.
I value prevention and wellness, not symptom
treatment.
I value using the right technology for the right
purpose for the right reason.
I value empirical experiences over processed information.
I value being a connected and contributing
member of a community.
Because sleepwalking into our future doesn’t
look like much fun.
[email protected]
Pikes Peak
Community
Foundation
PPCF’s 6th Annual
October 4, 2014 at 9:30am
(Little Pumpkin Fun Run
begins at 11am)
Cost: $30 thru Oct. 3
$35 thru Oct. 4
(if space is available)
at Venetucci Farm
First 500 entries will
receive a very fashionable
Great Pumpkin Run hat!
Registration is open for the Pikes Peak Community Foundation’s 6th
Annual Great Pumpkin Run at Venetucci Farm! The fun begins at
9:30am on October 4th – come out for a great morning and run, walk,
jog, or just cheer our runners on!
We’re also offering the Little Pumpkin Fun Run again this year, which
will include two distances: 400m and 800m for children 10 and under.
The Annual Great Pumpkin Run is one of our community’s favorite
events, so register soon! Head to www.ppcf.org for instructions on
how to register online!
Runners this year will enjoy delicious bagels thanks to a
generous donation from Olde World Bagels!
Pikes Peak Community Foundation
730 N. Nevada Ave. Colorado Springs
719-389-1251 • www.ppcf.org
Thanks to Platinum Relations for sponsoring this week’s page. If your business is interested in sponsoring this page, please email [email protected]

CSBJ Oct 3.indd

Transcription

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