Colorado Springs Business Journal September 29, 2017 by Colorado Springs Business Journal

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VOLUME 28, NUMBER 26 | Sept. 29 - Oct. 5, 2017 | 2.00 $

Nonprofits nervous about proposed budget cuts By Bob Stephens

resident Donald Trump’s proposed 2018 federal budget includes cuts that would greatly affect Colorado Springs nonprofits — even those that do not receive federal funding. Leaders of local nonprofits are nervous about potential cuts to their budgets, and how that would affect not only the clients they serve but also their employees. According to the National Council of Nonprofits, the Trump budget includes huge 10-year cuts to Medicaid [$610 billion, $4.7 trillion proposed spending], the Supplemental Nutrition Assistance

Program [$193 billion, with much of the food stamps program taken over by states], and the Temporary Assistance for Needy Families program [$21.6 billion of about $165 billion]. Also on the line are Health and Human Services block grants for social and community services, along with Housing and Urban Development community development block grants. Pikes Peak United Way has 28 funded partner agencies, and 19 responded to a recent survey revealing they get nearly $60 million in federal funding. Much more than that could be lost locally if federal cuts are approved, said SherryLynn Boyles, executive director of TESSA, a United Way partner that

receives federal funds to aid victims of domestic violence. “I speculate it would probably be in the hundreds of millions of dollars locally,” Boyles said. “We have hundreds and hundreds of nonprofits in our region. What has been proposed are very draconian cuts and it’s very scary.” If cuts occur, that would put more pressure on nonprofits to attract even more local donations — and that would have a trickle-down effect. “We do not get funding from the federal government, but it will affect our partner agencies, which does affect us in the long run,” said Pikes Peak United Way President and CEO Cindy Aubrey. Noreen Landis-Tyson is president

and CEO of Community Partnership for Child Development, which operates the Head Start, Early Head Start and Colorado Preschool Program serving about 1,800 students in the region. Of CPCD’s planned 2018 budget of $19.5 million, 62 percent is scheduled to come from the federal government. “Head Start is the foundational funding that allows our organization to keep its doors open,” Landis-Tyson said in an email. “If we received significant cuts in the Head Start and Early Head Start grants, we would need to lay off teachers, education assistants, family advocates, nurses, behavioral health See Cuts page 23

Skilled trade academy hosts grand opening

Photo by Bryan Grossman

By Bryan Grossman

eventeen-year-old Zach McVicker and his family moved to Colorado Springs last summer, and the Widefield High School junior asked his counselor if the school offered any construction-related courses. “He said there were still some openings in the MiLL program,” McVicker said. “I said, ‘Sign me up.’” McVicker was referring to the Manufacturing Industry Learning Labs National Training Center, southeast of the Colorado Springs Airport at 4450 Foreign Trade Zone Blvd. The center, a partnership between Peyton School District and Widefield School District 3, specializes in construction and wood manufacturing training and certifications. It is celebrating its grand opening beginning at 6 p.m. Oct. 5.

PARTNERSHIPS WERE KEY The road to MiLL Academy’s grand opening is one that began more than 1,300 miles away in Salem,

Ore. It was there that Dean Mattson, founder of Oregon’s Mattson’s Interiors, a cabinet-making company that operated from 1998-2009, realized how difficult it was to find qualified wood manufacturers. Mattson was eventually hired by Oregon’s North Salem High School to oversee its woodworking program. More than 70 percent of students in the district of 50,000 received free or reduced-cost lunches and more than 20 percent were homeless. Mattson became the high school’s Career Technical Education instructor and incorporated relationships he’d developed as a manufacturer. Through a partnership with Stiles Machinery, a Michigan-based company that produces Computer Numerically Controlled devices, Mattson obtained donated manufacturing equipment, and the program turned out more than 3,000 skilled workers in six years. Peyton Superintendent Tim Kistler heard of Mattson’s work and brought the businessman to Colorado in 2015 to lead a woodworking program in his rural district.

FOCUS

Multiple businesses are feeling the pinch because of ongoing construction work.

EDITORIAL: LET THE SUNSHINE IN

Ralph Routon’s farewell................. 3 One-on-one: Lisa Rice (left)........... 6 Hacker tactics................................. 7 Young Pro: Patrick Rizzo.............. 11 By the Numbers............................ 12 People on the Move...................... 16 On the Horizon.............................. 17

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WESTSIDE

INSIDE

It was at a Peyton open house in 2016 that Widefield Superintendent Scott Campbell met Kistler and Mattson, and he wanted to involve D-3 students. A partnership between the school districts led to the creation of MiLL Academy, which operates out of a former potato-chip factory on the city’s southeast side. At the grand opening, more than 40 industry partners from across the nation are expected to mingle among $3 million in donated equipment. The event is a celebration, Mattson said, of the launch of what could be the city’s greatest skilled trade job generator in quite some time.

‘FORWARD-THINKING’ Branden Martinez, a middle-school instructor in D-3, teaches a hybrid industrial technical education class that incorporates science, technology, engineering and mathematics. He also is an instructor See MiLL page 10

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Colorado Springs Business Journal

CSBJ.com Poll Will a comprehensive infrastructure bill make its way out of Washington?

Maybe, but in this political climate, it’s hard to say. I’ll believe it when I see it.

51%

No way. Just like health care, infrastructure will get stuck in the muck.

41%

Yes, if there is one thing that will get

bipartisan support, it is infrastructure. Three lanes to Castle Rock, here we come.

Go to CSBJ.com to vote on next week's poll:

If Denver gets Amazon’s new headquarters campus, will Colorado Springs benefit? See past results at csbj.com/democracy-archives

Managing Growth This icon will appear alongside stories covering regional growth in 2017. csbj.com/2017/01/06/2017-time-toplan-for-growth/

CSBJ OPINION 719-634-5905 Editor & COO Amy G. Sweet........................................ amy.sweet@csbj.com Managing Editor

Bryan Grossman......................... bryan.grossman@csbj.com

EDITORIAL Staff Reporters Audrey Jensen............................... audrey.jensen@csbj.com Helen Robinson............................. helen.robinson@csbj.com Bob Stephens................................... bob.stephens@csbj.com

Springs leaders: Let the sunshine in The issue: Some business owners believe the city is playing favorites when it comes to economic development. What we think: More transparency would solve mistrust with city government.

Researcher

Cristina Jaramillo................... cristina.jaramillo@csbj.com Copy Editor

Mary Jo Meade....................................... maryjo@csindy.com

ADVERTISING Advertising Director

Jeff Moore................................................jeff.moore@csbj.com Account Executives

Tammy Fogall................................. tammy.fogall@csmng.com Royce Gomez...................................... royce.gomez@csbj.com

ART AND PRODUCTION Art Director

Melissa Edwards....................... melissa.edwards@csbj.com Digital Marketing & IT Manager

Ryan Hannigan................................ ryan.hannigan@csbj.com Graphic Designer

Rowdy Tompkins.........................rowdy.tompkins@csbj.com Christine Saragian................. christine.saragian@csbj.com

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COLORADO PUBLISHING HOUSE Chairman of the Board

John Weiss Executive Editor Ralph Routon..................................... ralph.routon@csbj.com Subscriptions are $89.00 for 53 issues and include monthly supplements, and the Book of Lists. Serving The City of Colorado Springs and El Paso County The Colorado Springs Business Journal (ISSN 1062-810X)(013-838) is published weekly, with two additional issues each year, by:

Publication Corporation of Colorado Springs dba Colorado Publishing Company (719) 634-5905, Fax: (719) 577-4107 235 S. Nevada Ave., Colorado Springs, Colorado 80903-1246. PERIODICAL postage paid at Colorado Springs, Colorado 80910-9651. POSTMASTER: Send address corrections to: Colorado Springs Business Journal 235 S. Nevada Ave. Colorado Springs, CO 80903 The entire contents of this publication are copyrighted by Colorado Publishing Company. Reproduction or use of content in any manner is prohibited without prior written consent.

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ately, we’ve heard from Colorado Springs developers who are frustrated by a perceived favoritism at the highest levels of city government — with one even saying the city “puts its thumb on the scale” whenever looking at projects from some developers, but takes it off the scale when it comes to others. While they praise some city officials — such as Economic Development Officer Bob Cope — more than one businessperson with an interest in developing downtown has complained about an unfair playing field and a city government that doesn’t respond to proposals in a fair, transparent manner. Here’s a solution to the issue, real or not, perceived or not: more transparency and more consideration of all proposals. If there are multiple people and entities with a vision and a plan to create a robust, thriving city center, then everyone deserves a level playing field. And everyone deserves to know if each project has city support — and if it doesn’t, why it doesn’t. As entrepreneur Perry Sanders puts it: “It shouldn’t matter who you are; everyone should be able to have the same opportunities. If there’s a window of opportunity, the city should allow everyone to jump through it.” Case in point: The recent Colorado Springs City Council decision to grant Nor’wood Development Group three special taxing districts in southwest down-

town for $325 million, the largest taxing district deal in the city’s history. Businesses that are creating jobs, wealth and economic development in the city center deserve the attention from the government. And the Springs has put a Rapid Response plan in place to quickly move developments from blueprints to construction. But what we need is more conversation about how the city chooses its case-by-case incentives; how it decides who will benefit from city-backed projects. And whom it allows to play in its sandbox. Sanders, for instance, has put in a proposal to build a downtown stadium, part of the City for Champions project. The stadium concept is the only project not to receive support and funding from sources other than the state — without it, the City for Champions package loses about $27 million. And if the city doesn’t give Sanders’ proposal a shot — for whatever reason — he says city officials just need to be open about the reasons why. More transparency equals more trust. As the city pursues an initiative for a stormwater drainage plan that includes a fee, transparency with how it will use those funds and in how it has used other taxpayer money will only make it an easier sell. If people are sure they are getting a good deal for their hard-earned dollars, then they tend to vote yes. When they think the government is squandering money, that leads to no votes on projects that are needed in the community. As Colorado Springs takes steps to bring its processes into the public purview — through its websites, its PlanCOS initiative and social media — the trust of its residents will grow. But there’s still some ill feeling out there that must be addressed — and the concern is being expressed openly by some of the city’s leading residents and most successful entrepreneurs. Springs leaders should remember: Government always operates better in the sunshine. CSBJ n

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Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

OPINION: ROUTON

Don’t worry about the Business Journal

ne day in the fall of 1962, when I was in fifth grade, my mother took two handwritten pages to the newspaper in our small Arkansas town. It was my first submission for print, scrawled on notebook paper, a timid but ambitious 10-year-old describing a junior-varsity football game. But with my broken left wrist R O U T O N in a cast (and I’m left-handed), the story was written in pencil using my right hand. Of course, to my horror, the Hope Star published it, word for word. And now here I am, 55 years and about 7 million words later, writing my final piece before retiring as executive editor of the Colorado Springs Business Journal. Actually, my last position has been executive editor of the Colorado Publishing House, also working with the Colorado Springs Independent and Pikes Peak Bulletin, including columns of varying regularity in all three. Hereafter, my title will change to executive editor emeritus, with occasional columns possibly resuming in 2018. We’ll just have to see how that develops. But don’t worry, this won’t be an emotional litany of memories from more than a half-century in journalism. Let’s put the focus here where it should be — on the Business Journal. Sometime in late 2011, our company’s owner, John Weiss, asked to meet about a new proposition. We previously had explored the possibility of adding business coverage to the Independent, in part to compete against the long-established CSBJ and its then-owner, the Minneapolis-based Dolan Media Group. But that

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didn’t match the Indy’s identity or audience, so we scrapped that plan. In the process, though, Weiss discovered Dolan might want to sell this newspaper. We discreetly checked it out, realizing the CSBJ had a positive image and credibility. We also learned, and later reconfirmed, that many area leaders felt it was important for Colorado Springs to have its own business publication, though others were faltering in comparably sized markets. The deal was done that spring, and we took over on June 1, 2012. My job as executive editor was to revitalize the printed product, which still had a solid staff but had suffered from multiple leadership changes and deep budget cuts. I felt like a veteran coach being asked to change sports. For instance, saying, “OK, Troy Calhoun, you’ve done a lot as Air Force’s football coach, so how about taking over men’s soccer?” Similar work, but with a million differences. My philosophy has always been to play the hand you’re dealt, maintaining staff continuity while slowly implementing changes. My priorities were simple. The CSBJ needed more emphasis on people, especially women and young professionals, as well as small businesses, along with a modernized appearance and better editing. As executive editor, with talented writers already on board, my main task was to fill their plates constantly with ideas for stories, interviews and beat coverage. I quickly learned the main difference from all of my previous jobs — communicating B2B (business to business) instead of business to consumer. But we also felt compelled to cover local government, more

than other business publications, because we saw the importance of local government issues to all businesses, no matter how large or tiny. Eventually, our equation for a fresh product every week with broader variety and appeal took hold. Then came redesigning the CSBJ’s look, starting with the front page, adding more entry points for telling readers what they could find inside. With that, along with the stability and consistency, we were on our way, and the staff’s many subsequent awards have been gratifying. I also must mention the efforts of former publisher Jen Furda, whose boundless energy and innumerable relationships across the city made a huge difference. We’ve evolved along the way, as my main goal became a personal version of succession planning. I couldn’t be prouder of Amy Gillentine Sweet, first rising into the editor role and now as COO, along with Bryan Grossman as managing editor. They are seasoned pros, and they don’t need my help to continue the ongoing process of making the Business Journal even more valued, relevant and essential to the community. I’m so happy for them, and what we’ve achieved these past five-plus years. But now it’s time to take the step into that “emeritus” role, far better than being told to leave. I’ll still be around, and involved, but now as a spectator, cheering the CSBJ’s continued successes and writing when it makes sense to contribute. What will you do next, some have asked. For years, I’ve listed my hobbies as piano and golf, both long ignored. So maybe now I can look for the nearest jam sessions — and the No. 1 tee. CSBJ

Now it’s time to take the final step into that ‘emeritus’ role.

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4 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

CyberWorx passes major milestone By Helen Robinson

ne year after its launch, Air Force CyberWorx has moved into a new 10,000-squarefoot studio, and successfully completed one design sprint and two student projects in its custom-built space. Until this summer, CyberWorx operated out of a temporary studio, director Col. Jeffrey Collins said. The team could handle one project at a time, and had to go off-site for sprints (in which groups use design thinking to produce quick and creative solutions to cyber problems). The new studio at the Air Force Academy, specifically designed for CyberWorx, triples that capacity. It allows three projects to run simultaneously and includes a secure facility so CyberWorx can take on classified projects. Last week, CyberWorx released the final design report on Air Force Cyber Outreach — its 10th sprint, and the first to take place in the new studio. The sprint brought together 21 participants from Air Force units, nonprofits, academia and industry, to come up with creative ways USAFA and Pikes Peak Community College can boost interest in cyber careers among middle and high school students. “That report shows us that we can impact the future of cyber,” Collins said. “I’ve told this story: In 1974 I was 5, and the Blue Angels performed in

Photo by Helen Robinson

From left: Regina Whatley, Brandon Greene and Velynda Prakhantree at the new CyberWorx studio.

my hometown and I wanted to fly ever since then. “My eyes went bad in college so I didn’t get to fly, but that’s how I ended up in the Air Force. … Those early experiences that we give to kids out there — we’ll never know until they’re a colonel telling a story later — but it’s worth it to

us to keep focusing on how we build the future. That’s where we’re thinking all the time. “It’s not the tools or the technology, it’s the talent. It’s the ability of our cyber workforce to take what they’re given and solve the problems and move forward and move fast forward.”

An essential part of building the cyber workforce pipeline is attracting broad cognitive diversity, Collins said. “A lot of people still think that cyber’s for geeks — it is not just for geeks,” he said. “There are technical problems that we need geeks [working] on, but there are also a lot of other social problems and whatnot, so expanding that reach is important. “That’s exactly what this design sprint was aimed at: Let’s not think of this as just a government problem to overcome, but let’s expand it and find out what [you would] do if you were in that position. We got a lot of great stuff.” The first recommendation that will be implemented is science grant-writing support for local schools. Universities will partner with schools to make educators aware of the availability of National Science Foundation grants, and teach them about requirements. “That’s the kind of thing that’s relatively easy and will have a huge impact,” Collins said. Other ideas include third-grade cyber societies — “third grade is a pivotal year if you look at the research,” Collins noted — as well as industry mentors and a “Team Rogue One” cyber module to be used at elementary and middle school field days. “It was an exciting sprint because it was the first one that we did in this space — so we were using it as: Did we See Cyber page 21

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Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

6 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

ONE-ON-ONE

Rice takes on workforce challenges as CEO By Audrey Jensen

n December, the Pikes Peak Workforce Center will unveil its new interior design, which will include a rebooted welcome center where job seekers can have their resumés reviewed and take job-skills assessments. It’s one of many changes made by Lisa Rice, the workforce center’s new executive director and CEO. She’s making changes even as she’s figuring out how to incorporate a 24 percent budget cut for this program year, which means losing $2 million of $9 million in funding. “It was cut because the unemployment rate goes down,” Rice said. “When it goes down, we get less money even though we serve businesses a whole ton.” Another budget cut is expected next program year as well, Rice said, but that doesn’t mean the center will see a decrease in either clients or services. At this fall’s fair, 1,200 job seekers came looking for employment from 142 participating businesses. Those were the highest numbers in 10 years, Rice said. She also is trying to spread the word about the center’s new program, “on-the-job training,” which helps employers pay for training as long as certain stipulations are met. Rice, who leads 48 employees and will work with about 40,000 clients in a program year, says she’s prepared to take on the dual challenge of budget cuts and increased program services. Before moving back to Colorado Springs, Rice was vice president of the Development for Dynamic Workforce Solutions in Denver. She moved to Colorado from Florida, where she lived for 28 years and earned a master’s degree in public administration. She was president of CareerSource Brevard, an organization that runs federal workforce programs in Brevard County, Fla. Before making a life for herself in Florida, Rice attended Mitchell High School and earned her bachelor’s degree in 1985 from UCCS. She has lived in the Springs, off and on, since she was 8 years old, and considers herself a native. Rice spoke with the Business Journal about the workforce industry in Colorado Springs and her new position with PPWFC.

LISA RICE The need for the workforce has grown to the painful point.”

How do you approach being the CEO of PPWFC? It starts with being the leader and visionary here. Where do we want to go? How do we make it better for both our customer sets — business and job seekers? I very much try to find those on staff who have strengths in certain areas and help them excel and do that everyday. If you do what you love every day, it’s less like work. You’re usually happier and more productive. Out in the community, it’s kind of like being a cheerleader … having a passion for what you do, getting others excited for what you do. We actually just had somebody who contacted us [saying] that he already exited from our services and he got a job [and] he got promoted. He attributed the promotion to how we had helped him get more confidence, get him prepared for what was coming for him in an interview. What workforce trends have you noticed in Colorado Springs? Basically, what we’re seeing is this trend of people who have two to three jobs. ... They’re trying to upgrade their skills and trying to get themselves into just one job. We’re also seeing some people who are coming back into the workforce, so they may be retired. Some of them are bored and some of them also need the financial assistance because their nest egg didn’t last like they thought it would. They don’t usually want high-paying jobs, they don’t need to be the CEO — they’re looking to be useful and have a purpose. We [also] still need to work on computer skills. The technology, even in the workplace, changes. What you used to use for a payroll system may not be what you’re using now. From the business side, the need for the workforce has grown to the painful point. They’re more willing to take a chance on somebody who doesn’t have all the skills. What advice would you give to other women in CEO roles? Take time for yourself. We say that a lot, but hardly ever do it. ... If you can figure out just little pieces of your day to give to you, then it makes you work harder, work longer [and] get through the stressful situations. ... I always think of it as on the airplane when they talk about the oxygen mask dropping, and they say put your own on first before you put on somebody else’s. That’s exactly what this is. Take care of yourself a little bit, put your own oxygen mask on, start to breathe normally and help somebody else. CSBJ n

Photo by Audrey Jensen

Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

Hackers say phishing technique is best for theft

Photo by Helen Robinson

James Garcia (left) and Jon Ford work on penetration testing at cybersecurity services company MainNerve LLC. By Helen Robinson

uman error is a hacker’s best friend. According to a new report from data protection company Bitglass, both white hat and black hat hackers say phishing is the best way to snatch sensitive data, because “human error and ignorance will always be exploitable.” The report, “Data Games: Security Blind Spots According to Experts,” shows 59 percent of hackers rank phishing as the No. 1 data exfiltration strategy. Malware comes in second (26.4 percent) and physical theft is third (6.2 percent). For insights into security threats, Bitglass surveyed 129 self-identified white hat and black hat hackers attending the Black Hat USA 2017 national cyberse-

curity conference. White hat hackers are computer security experts who break into protected systems or networks to identify vulnerabilities so they can be fixed before malicious (or “black hat”) hackers find them. Penetration testing — a form of white hat hacking — is central to Springs-based MainNerve’s business, and Chief Security Officer James Garcia said phishing is its “No. 1 vector” into clients’ networks. “We’re almost always successful on a phishing test,” he said. “It’s so successful because it’s generally easier to bypass firewalls and to get into the internal network by email. ... Email is the No. 1 vehicle for transferring data, and it’s really trivial to bypass spam filters. “Why go through a locked door when you can

crawl through an open window? That’s generally what email is.” Successful phishing goes hand in hand with social engineering — the art of manipulating people into breaking normal security procedures or giving up confidential information. “Social engineering transcends the technical and sociological; it puts a human face on there,” Garcia said. “It’s an art ... some people are naturally good at it; they have a natural inclination to try to fool people into doing things they otherwise would not do.” MainNerve does penetration (or “pen”) testing for companies all over the world, from one-person businesses to firms with tens of thousands of employees, and the weaknesses are the same: They’re human, and they’re not expecting trouble. “If someone knocks on your front door and tries to sell you something, you shut down — ‘I don’t want to do this.’ But email appeals,” Garcia said. Hackers know this, and they take advantage. They also do their research. Emails are disguised to look like they come from trusted associates or colleagues. The topics and instructions are believable, and the links lead to sites that look genuine. “Sometimes it’s as easy as just spending a couple of hours looking at an organization before we know exactly who we’re going to target. … First thing, we get on the website and locate all their finance people and accounting people — that’s where money is,” Garcia said. “In [one] case, we crafted a portal that they have to manage their donations, and we sent it off to the right people. “There are tools openly available … to clone websites. You can make an exact clone of a familiar website — like See Theft page 23

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8 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

SMALL BUSINESS

Capoeira studio expands culture in Springs By Audrey Jensen

Brazilian Capoeira Employees: 12 Location: 4704 Centennial Blvd. Contact: 719-635-1004 capsprings.com Photo by Audrey Jensen

Mago and Anne Lauritzen teach their capoeira students about Brazilian culture and music.

hen Mago and Anne Lauritzen moved to Colorado Springs to start a capoeira school in 2003, their challenge wasn’t creating a new business. It was educating the public on what capoeira is: A combination of acrobatics, dance and martial arts movements performed to live Brazilian music. The school, called Brazilian Capoeira, has 60 students and a separate dance school component called Springs Dance, which opened in 2007 and has 250 students. Two years ago, aerial silk acrobatics also became part of the business and has 60 students. Previously, Mago worked as a plant geneticist and Anne was a radio announcer for a classical music station. But both wanted to be more involved with the community. After training in capoeira in the late 1990s and working as part-time instructors in the U.S., the Lauritzens and 10 of their students were invited to teach workshops at Colorado College in 2002. “It was really successful,” said Anne. “We weren’t going to drop everything we had to come out here and teach … but we came home from that experience and said, ‘You know, this part-time capoeira thing we’ve been doing for about five or six years — we’ve seen how it transforms people’s lives, how it provides them with a really strong community.’” Before they brought the first full-time capoeira studio to Colorado, Mago and Anne lived in Brazil from 2002 to 2003. Knowing they wanted to start a capoeira studio in the U.S., the two were considering Colorado and Washington, but decided Colorado Springs would be the best fit. “The number of people interested in fitness [here] is higher here than it is in many other places,” said Mago, who is ranked as a master in capoeira. “Capoeira is funny because it’s this extremely odd thing that sort of fits in anywhere. You can look at it and appreciate it no matter who you are.” From 1994 to 1996, Mago also lived in Brazil, where he ran a separate business for three years and trained in capoeira and Brazilian jiu-jitsu. Mago and Anne live in the Springs with their two kids, who also participate and train in the Brazilian art.

Both were aware they knew little about running a small business and spent a year reading about how to make their idea a success before opening the studio. It was a big leap of faith, Anne said. Mago agreed. “It’s not like we knew exactly what we were doing,” he said. “Naiveté played a big part in our decisions at that time in our life.” The two decided to add the dance studio to help market the capoeira side of the business — and it’s worked, said Anne. “From a business standpoint, running a small business means you’re creating a system, creating a program,” Anne said. “So many small business owners are actually self-employed. … Part of the reason we’ve been more successful in dance is [because] it’s not as weird [as capoeira], but the real benefit is Mago and I don’t teach dance, so we created [the dance] program.” The capoeira and dance studios have succeeded since opening, Mago said, but their family had to reduce its involvement this past year after Anne received news that she has breast and thyroid cancer. With dance instructors and some fulltime staff members, the dance studio wasn’t affected by the couple’s absence, but the capoeira school has suffered, they said. “We just went over our numbers and it’s the lowest it’s ever been,” Mago said. “We’re blaming cancer, because we are really spending half of our life at the doctor’s office right now.” Mago and Anne were not willing to disclose the school’s revenue, but their goal is to bring in $15,000 in profit every month and recruit 120 total capoeira students once Anne is fully recovered. Within the next two years, Mago and Anne hope to open two more similarly conceived locations in Colorado Springs. And the studio and school are about more than just dance, martial arts or fitness, they say. “We don’t consider ourselves a martial arts or dance studio,” Mago said. “We’re a leadership training facility and we’re a character development facility. … We use dance, martial arts, aerial silks and everything else to deliver that.” CSBJ n

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Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

Tax plan’s pass-through rates could have local impact By Bob Stephens

cott Robinson is like a lot of business owners in Colorado Springs and around the country, who are both excited about the possibility of tax cuts and somewhat skeptical about them coming to pass. As president of Concepts in Millwork, a manufacturing company in eastern Colorado Springs, Robinson is supportive of President Donald Trump’s proposed tax plan — and said it’s been a long time coming. “For all of these small businesses — and we’re one of them — we feel we’ve been paying more than our fair share for a long time,” Robinson said. Pass-through businesses — like Concepts in Millwork — are currently not subject to federal taxes, but their owners are taxed individually on that income. Passthrough businesses include most small and family owned businesses: sole proprietorships, partnerships, LLCs and S corporations. Trump’s plan, released Wednesday, would create a 25 percent tax on pass-through businesses, rather than at the owner’s individual rate, which he also proposed to cut from 39.6 percent to 35. Trump’s plan will cut corporate taxes from 35 percent to 20 percent, which will help large and publicly traded companies. Trump had wanted to lower both business rates to 15 percent. “We do our best to be competitive and tighten margins,” Robinson said, “but any time the government helps business, it’s good for everyone. It’s all going to trickle down. If you earn more, you can invest in your business more.” Rachel Beck, government affairs manager for the Colorado Springs Chamber of Commerce & EDC, said potential tax cuts would help business owners, especially since they’re burdened by other costs. “Tax relief is welcome for our local businesses, who have faced a number of recent cost increases,” Beck

said in an email. “I’m referring to things like the state minimum wage increase, health care costs and utility rate increases. “Particularly for pass-through businesses who have slim profit margins, an income tax reduction can make a real difference.” Robinson hopes Congress will approve the tax cuts. “I guess I’m not very confident,” Robinson said. “As much as they’ve debated everything else, I have doubts if this will go through.”

‘MAKE A BIG SPLASH’ Trump’s original plan didn’t have much of a chance, according to Chris Blees, managing partner of BiggsKofford, a certified public accounting firm in the Springs. “He wanted to make a big splash,” Blees said. “But it would be way too much in terms of tax cuts. It would devastate collections.” The deficit of $20 trillion is likely to grow, Blees said. Trump has said that a tax cut will make businesses more competitive and create jobs, helping to bring 3 percent economic growth. Blees thinks Congress will pass both a corporate tax cut and lower the rate for individuals. “Not because the math says so, but politics say so. They’ll probably change the rate structure for the middle class,” he said. “Then even the guy making $1 million gets a break because he also gets taxed in that 25 or 30 percent bracket for the middle class.” Roughly half the income from pass-through businesses went to the top 1 percent of earners, who make more than $693,500, according to a February report by the Center on Budget and Policy Priorities, a nonpartisan research and policy think tank. Blees said the president’s tax plan benefits those people most. “Many of those flow-through businesses are not in reinvestment mode; they’re in cash flow to their

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shareholders mode,” Blees said. “It would be a huge tax break to the top 1 percent.” About 95 percent of U.S. businesses are pass-through businesses, according to Tatiana Bailey of the UCCS Economic Forum in an email. But 44 percent of business-owner income was earned by the other 5 percent called C-corporations, the large publicly traded companies. Cutting business taxes will help the economy, said Blees. “I like to say that taxes are the tail that wags the economic dog,” he said. “If the tail wags a lot, it’ll affect the whole dog.”

TAX CUTS CAN MEAN REINVESTMENT Robinson said a tax cut would be an “opportunity to reinvest” in Concepts in Millwork. “We do that now, but we have to work so hard to cover that tax nut every year, it’s hard to do everything we want,” he said. He also wants to expand a partnership with the Peyton School District. “We have three interns from Peyton High School working with us,” Robinson said. “When they graduate, they could have a job opportunity here that could benefit them long-term.” Concepts in Millwork has 82 employees, Robinson said, up 30 percent from five years ago. Robinson wouldn’t say what the business revenue is, but said employee growth is a good sign. “We do work up and down the Front Range,” he said. Robinson said he hopes politics doesn’t prevent tax cuts from becoming a reality. “When you hear about something like this, it’s exciting,” he said. “I wish they’d look at who this benefits rather than playing politics.” CSBJ n

Editor’s note: This is the second in a three-part series reporting on possible tax changes at the national level.

10 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

MiLL: Private partnerships drive skilled trade education From page 1

in the construction track at MiLL Academy, which began its inaugural year of classes last month. Students, Martinez said, can enroll in courses that put them on the path to become everything from landscapers to facility maintenance technicians and electricians. Prior to becoming a teacher, Martinez worked as a journeyman plumber for a decade. A graduate of D-3, he said construction used to be a piece of Widefield’s curriculum before he earned his diploma. “We used to build a house, but that program went away,” he said. “The tide shifted [away from trade education], but it’s starting to come back.” The facility creates opportunities for students not interested in college, or who may want to pursue other Photo by Bryan Grossman career options before committing to higher education. Freshmen participate in introductory woodworking classes at the new Manufacturing Industry Learning Labs Academy in the Springs. But according to Mattson, the facility will impact more than just regional high-schoolers. ity for tradeshows and national and regional sales just beginning their skilled trade education will be one “This facility is by an airport, it’s by lodging and of the facility’s greatest features, he said. conferences. restaurants,” Mattson said. “People from all over the “Peyton and Widefield are not typical in their ap“They want to look through these windows and see world will fly in here, do week-long courses and bring proach to education,” Mattson said. their machines working,” Mattson said. “They can sell their employees up to speed. “They’re forward-thinking. And with the state of right off the floor and get us a new “Colorado Springs now has a napublic funding in education right now — you can’t do machine within a week.” tional training center here. We didn’t something like this without industry partnerships.” Industry partner Sherwin Williams place it in Denver. We placed it in the Looking back at how the program began in an empty is opening its second design center Springs because there are more oprural schoolhouse on the plains, Kistler said he couldn’t in the entire country at the acadeportunities here for expansion and be more impressed with its progress. my, Mattson said, and has donated development of the program.” “This is bigger and better than I ever thought it would $300,000 to help boost the MiLL’s In the first year of Peyton’s probe,” he said. “The scope and the support we’ve seen capabilities. gram, more than 1,000 people visfrom manufacturers and businesses — it’s much more Locally based RTA Architects has — Dean Mattson ited the rural school just because of than I ever imagined we would have.” provided architectural services in exits woods manufacturing program. McVicker said his high school in Nebraska had a change for use of high-tech machines “They don’t even have a stoplight,” skilled trades program, but nothing like the one in to develop prototypes. Mattson said. “The town is a school and a post office.” Colorado Springs. Concepts in Millwork, a local woodworking man“The one in Nebraska is not as advanced,” he said. He said the facility on Foreign Trade Zone Boulevard ufacturer, also will have employees working out of “This is way more than I expected it to be. I like it a (for more information, visit themillco.org) has althe academy. lot.” CSBJ ready hosted visitors interested in using the facilIndustry partners manufacturing alongside those

“They can sell right off the floor and get us a new machine within a week.”

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Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

YOUNG PROFESSIONAL

Rizzo cites grit for marathon success By Audrey Jensen

fter going deaf from an undiagnosed allergic reaction to braces as a teenager, Patrick Rizzo quit wrestling, a sport he’d participated in since the second grade. But instead of feeling sorry for himself, he found another passion. Even though he eventually regained partial hearing, he still couldn’t wrestle because of equilibrium issues. So he started running. Since then, Rizzo, now 34, has competed in marathons including three Olympic Trials marathons. Now he’s training to qualify for a fourth Olympic Trials in 2020. His best qualifying time is 2 hours, 13 minutes, 42 seconds, which he ran at the 2012 Olympic Trials. Rizzo said he wouldn’t consider himself top talent, but he attributes his high-qualifying race times to his work ethic. “Some people have talent where they can wake up in the morning and run a 4-minute mile,” he said, adding that he’s only had one running injury in 20 years. “I’m the kind of person that can just train year-round really hard and my body can sustain a really heavy workload.” When he’s not running, Rizzo works as a senior help desk hero at fusesport, an Australian-based software developer for sport organizations and events with additional offices in Washington, D.C. and Colorado Springs. Rizzo has worked at fusesport for nearly two years assisting clients with non-technical issues on websites. He also is on the board of directors for the Colfax Marathon, Denver’s only annual marathon. Rizzo spoke with the Business Journal about his career as an athlete and his insights on the racing industry. How did you get into running? Basically I looked at, ‘What can I do if I can never hear again?’ I decided I’d like to see if I could make the most of myself as a runner. One of my big heroes in life is Jim Ryun. Jim Ryun was an Olympian in 1968 and 1972 and a former world record holder in the mile. Jim is also mostly deaf, and he is somebody I looked up to. He really [taught me], ‘Don’t [have] a victim mentality because you’re missing something.’

Look at what you can do, look at what you can contribute and find a way to be your best whatever that is. I come from a big Italian family; nobody’s ever let me feel sorry for myself. They all still give me [grief] for everything I do and every one of my shortcomings and that’s perfect. It’s really what keeps you humble and keeps you knowing that you’re still you, so shut up and keep working. What do you like about Colorado Springs? My wife and I are hiking with a 1-month old every weekend and it’s the lifestyle we love. The culture here is very friendly and open, specifically at Epicentral [Coworking], it’s nice because everybody’s really social. You can say, ‘Hey we’re looking for a little help on this,’ and you might have 20 people in the office that might specialize in that. It’s [also] nice to see downtown coming back to life for the first time in a generation. … I think it’s a real testament to what the city has done, what the downtown is today. Military contractors and the military itself make up the bulk of our economy here, but you still have so many different sectors. Tech is finally expanding very rapidly, especially with the [National Cybersecurity Center] here, so I think the types of jobs are more sustainable, long-term vision jobs. How did you become involved with fusesport? This was a first step out into the real business world ... I want to stay in the athletic realm in some way, but retail was obviously limited as to what the growth potential is. I started here just part time, then in January of this year we signed Special Olympics International and I was brought on full time. [fusesport] opened this office just a handful of years ago, and this was the expansion into the North American market. We’re going after national governing bodies, and being in Colorado Springs is a very natural fit. We actually found a lot of different markets we wanted to be in just through being here. Sometimes you don’t even know your own best fit; it falls upon you and that’s kind of what happened with us. We’re doing quite a bit of development. What advice would you give to working athletes? Make sure you always have a resumé. You are one injury away from being retired. In Olympic sports specifically, we don’t have a retirement system, so you see 30-year-olds entering the workforce with absolutely no work experience. That’s a very difficult thing if you’re not going to work for a sporting company. You can only run physically so many hours in the day. I always had a job my entire running career … and too many people I see ruin their future by thinking, ‘I have to fully commit to this 100 percent, 24 hours a day,’ and they actually don’t. You may think that USA Track & Field loves you — they only love you while you’re successful. CSBJ

Photo by Audrey Jensen

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12 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

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Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

Mayor sends positive message in annual address By Bryan Grossman

ayor John Suthers delivered a full serving of optimism in his third State of the City address, presented by the Colorado Springs Chamber & EDC, before a packed luncheon crowd at The SUTHERS Broadmoor Sept. 22. Suthers began by referencing his first State of the City speech after his election in 2015. “Two years ago, I reported that the state of the city was good, and the potential of our city was great,” the mayor said, adding that last year the city had seen progress on the continuum from good to great. “As for the state of our city today, I don’t believe I’m being overly optimistic, nor am I exaggerating, when I suggest that Colorado Springs, as a result of the public and private investment of its citizens, is beginning to achieve its potential and secure its place among the great cities of America.”

ADDRESSING TOUGH ISSUES Suthers discussed how his priorities have played out since his election and particularly during the past year. Among those priorities was a desire to strengthen the political climate, especially between the office of the mayor and city council. “A constructive political environment is necessary for the community and economic development,” the mayor said. Suthers also addressed stormwater and roadway infrastructure as top priorities under his administration, and he spoke about the city’s workforce needs and future job creation. “These priorities were established as a response to the most significant challenges Colorado Springs had

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faced in the first 15 years of the 21st century,” he said. Regarding the political climate, Suthers said he was pleased with how council, which has welcomed three new members, and his office have collaborated. “We won’t all agree on everything,” he said, “but the relationship is largely collaborative and professional. … We are addressing the tough issues that confront us.” Suthers also pointed to efforts between El Paso County and the city of Colorado Springs in consolidating offices of emergency management. “This would allow us to more effectively and cost-efficiently prepare for and respond to natural disasters and various other emergency scenarios,” he said. Suthers said there also may be other areas of consolidation to explore. Regarding infrastructure, the mayor said the city continues to make great strides. “Improving our roads has been, very much, a work in progress,” Suthers said, adding the 2015 passage of ballot issue 2C will, via a sales tax increase over five years, raise up to $250 million for road improvement projects. “We’re working with the [Pikes Peak Rural Transportation Authority], Colorado Springs Utilities, local businesses and many others to maximize the impact of our efforts.” By the end of October, the city will have paved 471 lane miles with 371,000 tons of asphalt and 372,000 lineal feet of new curbs and gutters, Suthers said. “You’ll continue to see … cone zones, particularly in the summer months. Please see this as a sign of real progress in fixing a problem that was a long time in the making,” the mayor said. One of the longest standing cone zones, the

Cimarron/Interstate 25 interchange, will be coming to a close next month in time and on budget, Suthers said.

STORMWATER UPKEEP As for stormwater infrastructure, Suthers said the city continues to make progress in addressing its deficiencies. The mayor reported 80 percent of the city’s growth has taken place in the past 50 years, creating a strain on all infrastructure. “This led to significant flooding incidents, including one in 1999, in which 68 million gallons of untreated sewage made its way into Fountain Creek,” he said. The state health department sued and the city spent millions of dollars to rectify the problem. “This served as a wakeup call to the mayor and city council to do what other major cities had done: Create a stormwater fee and stormwater enterprise to be used exclusively to fund stormwater infrastructure, maintenance and operation,” he said. The fee was established in 2005 with the intent to raise up to $16 million a year. “However, in December 2009, after a campaign to stop … ‘a rain tax,’ city council voted 5-4 to terminate the stormwater fee,” he said. “This led to a drastic reduction in stormwater spending … which led to serious legal problems for our city.” Those problems included legal issues surrounding water delivery via the Southern Delivery System from

A constructive political environment is necessary for the community and economic development.

See Mayor page 21

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14 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

CONGRATULATIONS 2017 EXC

BBB EXCELLENCE IN CUSTOMER SERVICE AWARD

2017

EXCELLENCE IN CUSTOMER SERVICE AWARD Your BBB has recognized Southern Colorado businesses for superior customer service since 1995. Businesses that espouse best practices in customer service ultimately make our communit a better place to live.

The 23rd Annual A Night of Excellence would THANK Presenting Sponsor:

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Colorado Springs Business Journal

CELLENCE AWARD RECIPIENTS

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EXCELLENCE IN EDUCATION AWARD Your BBB awarded one $2,500 University of Colorado Colorado Springs fellowship and two $2,500 scholarships to high school students who reside in the 25 Colorado counties we represent.

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Sept. 29 - Oct. 5, 2017

16 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

KUDOS

BUSINESS BRIEFS

Compiled by Bob Stephens

Submit items for Kudos, Business Briefs or People on the Move to editorial@csbj.com.

DUTCH BROS. DONATES FOR KIDS Dutch Bros. will celebrate National Coffee Day Sept. 29 by donating $1 from every drink to the Boys & Girls Club of the Pikes Peak Region as part of the company’s annual Buck for Kids day. Dutch Bros’ 292 locations in seven states have raised more than $1.28 million for local youth organizations.

SPRINGS AIRPORT DIRECTOR ELECTED Greg Phillips, director of aviation at the Colorado Springs Airport, was elected president of the Northwest Chapter of the American Association of Airport Executives for 2017-18 during the group’s 46th annual conference in Eugene, Ore.

MINING MUSEUM WINS AWARDS The Western Museum of Mining & Industry won two awards at the 2017 Denver Gem & Mineral Show. The museum received the Donna Chirnside Award from the Greater Denver Area Gem and Mineral Council, and the

Best Educational Exhibit by an Institution award from the Friends of Mineralogy. WMMI Executive Director Rick Sauers did an 11-case exhibit on “Gold Mining in Colorado,” with funding help from Gold Resource Corporation. Assisting in the development of the exhibit were Crystal Peak Design; Don Unger [WMMI’s summer intern and volunteer]; museum volunteers Robert Halstead, Mike Lewis, Bob Smith and John Zeornes; and the Cripple Creek & Victor Gold Mining Company, a subsidiary of Newmont Mining.

COLORADO COMPUTER SUPPORT RECOGNIZED

New Executive Director Colorado CASA

Ross Marhoffer

New Associate Attorney Cordell & Cordell

Michael Branscum New Director of Income & Relief Services Catholic Charities

The Life Skills & Career Development Center of Catholic Charities of Central Colorado will host its second annual job fair, 2-4 p.m. Oct. 4 at the Marian House Soup Kitchen, 14 W. Bijou St. All are welcome and should come with a current resumé. Employers attending are Alorica, Bingo Burger, Colorado Industrial Recycling, Conduent, Discover MyGoodwill, Front Range Staffing, Goodwill Staffing, People Ready, Premier Staffing, Sync3 Restaurant Solutions and TCI Construction. Since LSCDC began in 2015. it has helped fill 230 jobs.

JAZZ HOST PASSES MICROPHONE

Colorado Computer Support announced its inclusion on the 2017 edition of the Inc. 5000 List for the third consecutive year. The list recognizes innovative leaders in business nationwide and is based on the overall revenue growth of a company over a 3-year period. CCS provides IT services, computer and networking solutions, and Apple/Mac support to businesses.

Dick Fairley, host of 91.5 KRCC’S “Jazz Excursion,” is retiring after 12 years. The popular show, which airs 7-10 p.m. on Colorado College’s NPR-member station, features classic jazz standards and contemporary releases. Fairley’s replacement is longtime 91.5 KRCC volunteer Tim Everett, who will step into the host position Oct. 15.

GRIFFIS/BLESSING TO MANAGE CENTER

PEOPLE ON THE MOVE

Jenny Bender

CATHOLIC CHARITIES HOSTS JOB FAIR

Lori J. West

New Realtor Weichert, Realtors — Pikes Peak Group

Alexander ArmaniMunn

Katy Hartshorn

Jaime McMullen

New Marketing Garcia New Economic Vitality Coordinator New Chief Downtown Partnership Coordinator Philanthropy Officer Downtown Partnership of Colorado Springs Care and Share Food of Colorado Springs Bank of S. Colorado

Griffis/Blessing will be property manager for the 39,842-square-foot retail center located in the former Lincoln Elementary School, 2727 N. Cascade Ave. Lincoln Center is home to 14 tenants, including Goat Patch Brewing Company, CrossFit SOCO, Peak Commercial Properties, Rocky Mountain Women’s Film Institute, Lincoln St. Barbers, Building3 Coffee Roasters, Nightingale Bread Shop and The Distinctive Group Realtors. Headquartered in Colorado Springs, with additional offices in Denver, Griffis/Blessing manages more than 4.5 million square feet of commercial space, and more than 8,700 apartment units located along Colorado’s Front Range.

10th 10thAnnual Annual

Business Business && Arts Arts Lunch Lunch AtAtthe theintersection intersectionofofbusiness businessand andcreativity, creativity,the theBusiness Business&&Arts Arts Lunch Lunchisisone oneofofthe themost mostcolorful colorfulevents eventsofofthe theyear! year!

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Join us as we recognize local women who are making a difference in their jobs and in their communities. For the first time this year, we bring you the Legacy Award, honoring a single woman who is creating a lasting legacy in the Pikes Peak region. Amanda Mountain, the first female CEO of Rocky Mountain PBS, will be the keynote speaker, discussing her career and the importance of mentoring.

The TheAntlers, Antlers,44S.S.Cascade CascadeAve. Ave. $50 $50per perperson. person.Tables Tablesavailable. available. Eclectic Eclecticlive liveperformances performancesononmultiple multiplestages stages Local Localartartfor forsale sale Delicious Multipleawards awardsfor forleadership leadership Deliciousfood foodand anddrink drink Multiple l l

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Thank you to to our table sponsors: U.S. Bank, Colorado College, ANB Bank, El El Pomar Foundation, T. Rowe Thank you our table sponsors: U.S. Bank, Colorado College, ANB Bank, Pomar Foundation, T. Rowe Price, Colorado Springs Fine Arts Center at at Colorado College, Peaks Recovery Center, Pikes Peak Library Price, Colorado Springs Fine Arts Center Colorado College, Peaks Recovery Center, Pikes Peak Library District, MTSI, Housing & Building Association of of Colorado Springs, Colorado Springs Independent District, MTSI, Housing & Building Association Colorado Springs, Colorado Springs Independent

Visit CSBJ.com/Events

Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

ON THE HORIZON Compiled by Amy G. Sweet

Business Development

Submit items for On the Horizon to events@csbj.com.

Networking Events

Regional Events

Tuesday, Oct. 3

Wednesday, Oct. 4

SBDC: Holiday Boot Camp

Springs Chamber: Connect

Latino Chamber: Coffee

Retailers small and large can learn how to approach the holiday season, 8-10 a.m., Tri-Lakes Chamber of Commerce, 166 Second St., Monument. Go to pikespeaksbdc.org to register.

The Colorado Springs Chamber & EDC hosts its bimonthly Chamber Connect program, 11:30 a.m.-1 p.m., Phantom Canyon, 2 E. Pikes Peak Ave. Go to coloradospringschamberedc.com to register.

The Pueblo Latino Chamber of Commerce hosts its morning networking event, 8:15 a.m., 215 S. Victoria Ave., Pueblo. Go to pueblochamber.org for information.

Friday, Oct. 6

Thursday, Oct. 5

Springs Chamber: Arts

Tri-Lakes: Breakfast

Wednesday, Oct. 4 SBDC: QuickBooks Learn how to use QuickBooks, 12:305 p.m., Pikes Peak Small Business Development Center, Catalyst Campus, 559 E. Pikes Peak Ave., Suite 101. Go to pikespeaksbdc.org to register.

PPLD: Social Media How to use social media for your business, noon-1 p.m., Library 21c, 1175 Chapel Hills Road. Go to ppld.org to register.

Thursday, Oct. 5 SBDC: Leading Edge Join the Pikes Peak SBDC for its nine-week Leading Edge course for transportation, 5:30-8:30 p.m., 565 E. Pikes Peak Ave. Ends Dec. 14. Go to pikespeaksbdc.org to register.

SCORE: Smart Start The Service Corps of Retired Executives holds its six-week program, Smart Start for small businesses, 6-9 p.m., Catalyst Campus, 555 E. Pikes Peak Ave. Go to coloradosprings.score. org to register.

Saturday, Oct. 7 PPLD: Minding Your Business Learn how to start or grow your small business, 9-10:30 a.m., Penrose Library, 20 N. Cascade Ave. Go to ppld.org to register.

PPLD: Art as Business

The Colorado Springs Chamber & EDC and the Cultural Office of the Pikes Peak Region hosts the annual Business of Arts luncheon, 11:30 a.m.-1 p.m., The Antlers hotel, 4 S. Cascade Ave. Go to coloradospringschamberedc.com to register.

The Tri-Lakes Chamber of Commerce hosts its monthly networking breakfast, 7:30-9 a.m., 166 Second St., Monument. Go to trilakeschamber. com to register.

Women’s Chamber: First Friday

The Woodland Park Chamber of Commerce hosts its monthly lunch and learn, 11:30 a.m.-1 p.m., 210 E. Midland Ave., Woodland Park. Go to woodlandparkchamber.com to register.

The Southern Colorado Women’s Chamber of Commerce hosts its monthly First Friday networking event, 7:30-9 a.m., Catalyst Campus, 555 E. Pikes Peak Ave. Go to scwcc.com to register.

Saturday, Oct. 7 BBB: Switchbacks Game Join the Better Business Bureau of Southern Colorado at the final game of the Switchback season, networking is 4:30-5:30 p.m. and the game is from 6-8 p.m., Switchbacks Stadium. Go to bbb.org/southerncolorado to register.

Woodland Park: Lunch

Pueblo: Colorado C-PACE Learn about the C-PACE market opportunity, Rawlings Library, 100 E. Abriendo Ave., Pueblo. Go to copace. com to register.

Friday, Oct. 6 Fountain Valley: Breakfast

Tuesday, Oct. 17

The Fountain Valley Chamber of Commerce holds its bimonthly breakfast, 7 a.m., Sarges’ Grill, 6436 US-85, Fountain. Go to fountainvalleychamber.com to register.

Women’s Chamber: Lunch

Pueblo: Appreciation Day

The Southern Colorado Women’s Chamber of Commerce hosts its monthly business luncheon, 11 a.m.-1 p.m., Garden of the Gods Collection, 3320 Mesa Road. Go to scwcc.com to register.

Wednesday, Oct. 18 CTU: Cyber Synergy

Join the Better Business Bureau of Southern Colorado at the Colorado State University-Pueblo Homecoming game, 6 p.m., Thunderbowl Patio, Troy Avenue, Pueblo. Go to bbb.org/southerncolorado to register.

Pueblo: Tax-Filing Class

Colorado Technical University hosts Cyber Synergy, an opportunity to network with cybersecurity professionals, 2-4:30 p.m., CTU campus, 4435 Chestnut St. RSVP at coscareerservices@coloradotech.edu.

Tuesday, Oct. 10

Thursday, Oct. 19

Thursday, Oct. 12

SBDC: SEO Tips

CSBJ: Fastest-Growing

Pueblo: Business Lunch

Wednesday, Oct. 11 PPLD: Selling Your Home Interested in selling your home? Find out the best ways to get the best price, 4-6 p.m., Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Join the Colorado Springs Business Journal to celebrate the city’s fastest-growing companies, 5:30-7:30 p.m., The Mining Exchange, 8 S. Nevada Ave. Go to csbj.com/events to sign up.

Springs Chamber: Connect The Colorado Springs Chamber & EDC hosts its bimonthly Chamber Connect, 11:30 a.m.-1 p.m., Jack Quinn’s Irish Ale House and Pub, 21 S. Tejon St. Go to coloradospringschamberedc.com to register.

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Wednesday, Oct. 11

Learn to take your small business products from hand tasks to machine made, 10 a.m.-noon, Library 21c, 1175 Chapel Hills Drive. Go to ppld.org to register.

Learn the latest about Search Engine Optimization, 11:30 a.m.-1 p.m., SBDC, Catalyst Campus, 559 E. Pikes Peak Ave., Suite 101. Go to pikespeaksbdc.org to register.

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 

This class offers step-by-step filing instructions for the Colorado sales tax return form, 10 a.m., 827 W. 4th St., Pueblo. Go to pueblochamber.org to register.

Network with the members of the Pueblo Chamber of Commerce, 11:30 a.m., Pueblo Convention Center, 320 Central Main St., Pueblo. Go to pueblochamber.org to register.

Saturday, Oct. 14 Calhan: BBB Clean Sweep The Better Business Bureau of Southern Colorado and El Paso County host an event to help get rid of hazardous items, 9 a.m.-1 p.m., 366 10th St., Calhan. No registration necessary.

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18 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

Focus

WESTSIDE

Westside business owners struggle with construction impacts

Photo by Bryan Grossman

The Westside Avenue Action Plan project has impacted businesses between Colorado Springs and Manitou Springs, with some claiming huge drops in revenue compared with the same time last year. By Jeanne Davant

he Westside Avenue Action Plan is going to be a dream come true for Westside businesses along the ManitouColorado Avenue corridor. The project envisions a smooth ribbon of pavement with two lanes of traffic, a center turn lane, bike lanes, sidewalks, buried utilities, new lighting and landscaping that will attract more visitors to the blighted area known as No Man’s Land. But getting there is an ongoing nightmare for many businesses. Construction on the project started in March and has been in high gear all summer into fall from the Highway 24/Manitou Avenue interchange to Columbia Road. Traffic frequently has been reduced to one lane as crews from Wildcat Construction tore up Manitou Avenue to install new water and sewer lines and storm drains. All businesses in Manitou Springs have been affected to some extent, but those that have had heavy machinery in front of their doors for weeks on end have suffered significant impacts. The project’s focus for the next few months is rebuilding the Adams Crossing bridge over Fountain Creek at Colorado Avenue and Columbia Road, while infrastructure work continues

to the west. Businesses to the east can expect to see increasing impacts as undergrounding work creeps eastward toward its terminus at 31st Street. Project managers from El Paso County and Wildcat Construction hope the worst will be over by next Memorial Day, but that’s little comfort for business owners who rely on summer revenue to get them through the rest of this year.

COPING WITH BREAKDOWNS When construction crews hit a buried gas line just before 10 a.m. Tuesday, Sept. 26, Farley McDonough, owner of Adam’s Mountain Café at 26 Manitou Ave., shifted into emergency mode. “We have electricity, so we have some equipment we can use,” McDonough said. “We’re going through the menu and see what we can offer for lunch, but without gas, we won’t have hot water. When the hot water is gone, we’ll have to shut down. If we can’t open for dinner, I’ve got to get on Facebook, our website and voice mail and cancel reservations and let our employees know.” Buried infrastructure lines that weren’t where they were supposed to be have resulted in several gas and waterline breaks — and more stressful days for McDonough.

“We’ve been without water several times,” McDonough said. “You couldn’t create enough pressure to run the dishwasher, so we had to shut down. One time they had us hooked up to a fire hydrant with a hose. Customers kept parking on the hose, and we had to run out and get the cars to move.” Because of the unexpected encounters with infrastructure and large boulders, plus weather delays, the contractor frequently has had to work on Saturdays. “Saturdays are the worst because we bring in all our product on Friday,” McDonough said. “We have the most staff and the most food for the weekend, not knowing whether we can sell it all. On a daily basis, we’re constantly having to make adjustments.” Overall, McDonough said, her business is down about 20 percent from last summer. “Until we get two lanes of traffic all the way through, we’re just going to be down,” she said.

NOISE AND TRAFFIC Lodging properties along the project route have been affected by the construction to various degrees. “This year was equal to last year except for a little dip in August,” said John

Hooton, owner of the Timber Lodge at 3627 W. Colorado Ave. Located at the eastern edge of the current construction zone, the lodge saw frequent traffic jams, but no heavy machinery until summer’s end. “The third week of August, they were literally in front of us,” Hooton said. “We dropped about 50 percent. The next week we were down about 25 percent.” “We live onsite, and the noise was really intense” starting at 7 a.m. daily, co-owner Cindy Hooton said. “Our guests were very good-natured about it. Only a couple left in a huff, and even those said they understood it was not our fault, but it was not how they wanted to spend their vacation.” Susie Brock, owner of the El Colorado Lodge, 23 Manitou Ave., said her experience was very different. Unlike the Timber Lodge, which books most of its reservations online, the El Colorado Lodge relies to a great extent on walk-in customers. “We were down $20,000 in net sales from last year in July, which is our busiest month,” Brock said. “Right now we’re down at least 5 percent for the year. We’ve had help from other motels about referring business our way when they’re full, but it’s been hard.”

Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

NEXT WEEK

GET INFORMED

ARTS & BUSINESS At least one lodging property benemarijuana stores. Taxable sales in that category increased 14.6 percent in July fited from the Westside Avenue project. and are running 16.2 percent ahead of The Buffalo Lodge Bicycle Resort, 2 El last year. Paso Blvd., sits at the intersection with Leslie Lewis, executive director Columbia Road, beside a frequently used of the Manitou Springs Chamber of detour around the construction work. Commerce, thinks longer hours at “We’ve seen between a 7 and 10 perthe pot shops may be offsetting some cent increase in business,” owner Torie of the construction impacts. In April, Giffin said. Manitou’s City Council allowed the two The Watering Hole bar, which Giffin shops to extend their closing time from opened in April, has helped and will 7 p.m. to 9 p.m. provide supplemental income during Lewis said it’s hard to measure the the slow winter months. She has also impact of the Westside Avenue project planned hayrides around the holidays on Manitou’s downand special events town businesses besuch as concerts cause another major during the offseason. construction project Giffin is concerned, is going on simultahowever, about the neously. Canon and impacts of another Park avenues have construction project been closed for most — installation of a of the summer for renew Colorado Springs construction of two Utilities water pipebridges. line beneath El Paso “That project is tak— Susie Brock Boulevard that is ing out one-third of scheduled to begin in the street parking in mid-October. town,” Lewis said. “It’s certainly affect“We’re going to close in January and ing the businesses on Canon Avenue.” February,” Giffin said. “We anticipate On Colorado Avenue, the biggest they’ll be heavy into construction then.” disruptions from the Westside Avenue She’ll use the time to complete remodproject will take place over the next eling of the lodge’s guest rooms. six months, said Dennis Barron, project manager for El Paso County, but “it LOOKING AT THE BIG PICTURE will probably be less intrusive than the Manitou Springs sales tax reports for work in Manitou.” July showed an overall increase in taxGiffin said the project team is doing able sales of almost 8 percent in July and “a stellar job” communicating with 12 percent for the year to date compared businesses and trying to minimize the with the same periods last year. project’s impact. Taxable sales in most sectors of the Despite the hardships, McDonough city’s economy declined somewhat in said everyone will be happy with the July, but Manitou’s 26 lodging properties results. posted a 5.4 percent increase and are up “This end of town has been ignored for so many years,” McDonough said. almost 12 percent for the year to date. “This is what happens when you avoid One of the healthiest sectors continues tackling difficult issues. But I know it’s to be a category called Other In-City, going to be worth it in the end.” CSBJ which includes Manitou’s two retail

“We were down $20,000 in net sales from last year in July, which is our busiest month.”

Tuesday, October 17 5:30-7:00 pm Free Event

2424 Garden of the Gods Road (former MCI/Verizon Building) Please follow the signs to Lobby C when you arrive on their campus. At the check-in desk you will be directed to the auditorium.

Before you vote, attend this free, moderated panel discussion to learn about the storm water and D11 mill levy ballot issues. The event is FREE, but please register thru the Facebook event “Your Voice, Your Vote – Get Informed”.

“Democracy cannot succeed unless those who express their choice are prepared to choose wisely. The real safeguard of democracy, therefore, is education.” Franklin D. Roosevelt

HOSTED BY

Alumni Association

COMING SOON to your galaxy #IndyBestOf Pick up both super-sized issues:

Oct. 11 - food, drink & nightlife Oct. 18 - community, shopping & services

to see which local winners were voted out of this world!

Photo by Bryan Grossman

Taxable sales in most sectors of the Manitou Springs economy declined somewhat in July.

csindy.com

20 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

THE LIST: COLLEGES, UNIVERSITIES AND TRADE SCHOOLS

Colleges, Universities and Trade Schools

From The Book of Lists & Power Pages

Ranked by Colorado Springs Student Enrollment

Just Missed The List

Rank

8 – Nazarene Bible College 9 – New Geneva Theological Seminary NR – Colorado Technical University

Pikes Peak Community College is currently developing cybersecurity degree and certificate programs.

1 2 3

In 2017, U.S. News & World Report ranked Colorado College No. 1 for Most Innovative Schools.

To purchase your own Book of Lists or the full Colleges, Universities and Trade Schools List, call Cristina Jaramillo at 719-634-5905

Don’t miss The List Oct. 6: Museums & Art Galleries Oct. 13: Startup Resources Oct. 20: Architects Oct. 27: SBA Lenders

5 6 7

Name Address Phone/Fax Website Email Pikes Peak Community College 5675 S. Academy Blvd. Colorado Springs, CO 80906 719-502-2000/N/A ppcc.edu admissions@ppcc.edu University of Colorado Colorado Springs 1420 Austin Bluffs Pkwy. Colorado Springs, CO 80918 719-255-8227/N/A uccs.edu Colorado College 14 E. Cache La Poudre St. Colorado Springs, CO 80903 719-389-6000/719-389-6256 coloradocollege.edu communications@coloradocollege.edu Webster University 5475 Tech Center Dr., Ste. 110 Colorado Springs, CO 80919 719-590-7340/719-590-7343 webster.edu/co coloradosprings@webster.edu

Students: Undergrad/ Public or Type of degrees offered Total/ Graduate/ Private Full-time/ Teaching Staff Part-time

Person in Charge, Title

Year Est. Locally

19,000 N/A N/A

N/A N/A N/A

Public

Associate degrees, certificates

Lance Bolton, President

1968

12,422 8,618 3,804

10,437 1,985 520

Public

Baccalaureate, master, doctorate, gainful employment certificate

Dr. Venkat Reddy, 1965 Chancellor (1)

2,100 2,100 0

2,100 27 151

Private

Bachelor and master

Jill Tiefenthaler, President

375 164 211

0 375 42

Private

Dr. Beth Stroble, 1977 University President

DeVry University-Colorado Springs 1175 Kelly Johnson Blvd. Colorado Springs, CO 80920 719-632-3000/719-866-6770 devry.edu National American University 1079 Space Center Dr., Ste. 140 Colorado Springs, CO 80915 719-208-3800/719-208-3805 national.edu csscampus@national.edu Altierus Career College 1815 Jet Wing Dr. Colorado Springs, CO 80916 719-638-6580/719-638-6818 altierus.org

179 62 117

129 50 26

Private

Master of business administration; master of health administration; MS in cybersecurity, environmental management, finance; MA in human resources development, human resources management, information technology management, management and leadership, procurement and acquisitions management; MS in space systems operations management; graduate certificate in cybersecurity threat detection, government contracting; environmental sustainability; PMP; change management Associate, Bachelor, Master

164 N/A N/A

N/A N/A N/A

Private

Business, information technology, criminal justice, healthcare/ medical, paralegal

120 N/A N/A

N/A N/A N/A

Private

Medical assistant and medical administrative assistant, massage therapy, dental assistant, computer information technology AS

Lynn Ward, Center Dean

1874

2001

1976

Carsissa Seger, N/A Executive Director, Ivan Nilolaeff, Campus Director & Academic Dean

N/A- not available. While every attempt is made to ensure the thoroughness and accuracy of the list, omissions and typographical errors may occur. Please send additions/corrections to cristina.jaramillo@csbj.com. (1) from February 15, 2017

This is the top listing of Colleges, Universities and Trade Schools that responded to questionnaires, notices and telephone inquiries.

Engaging Landlords to End Veteran Homelessness Honoring their service with a home.

Join Mayor John Suthers and partnering agencies in a conversation about what our community can do to end veteran homelessness. This session is designed to engage local realtors, landlords and property managers. EDUCATE

NETWORK

APARTMENT ASSOCIATION

PROTECT

WHEN: Thursday, October 12th 9:00 am to 11:30am

Partnering Organizations:

OF SOUTHERN COLORADO

WHERE:

Apartment Association of Southern Colorado Office

545 E. Pikes Peak Ave., Ste. 105, 80903

To Register email Naomi@aaschq.org or Call 719-264-9195

Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

Mayor: Colorado Springs among America’s great cities From page 13

Pueblo and current lawsuits from the Environmental Protection Agency, the Colorado Department of Health and Environment, the city of Pueblo and the Lower Arkansas Conservancy District over water quality violations. An intergovernmental agreement led to a commitment from the city of Colorado Springs to spend $460 million over the next 20 years on stormwater projects. “As a result of the agreement, the Southern Delivery System was turned on, as scheduled, in April 2016,” the mayor said. In the past two years, Suthers said, the city has developed a comprehensive plan for a stormwater program. “We remain the only major city in the United States that doesn’t have a dedicated stormwater fund,” he said. “We are therefore paying for our stormwater program out of general funds. This has and will continue to have significant consequences on the delivery of essential city services, including police and fire services.” Suthers said, as a result of the city’s history and the impact to essential city services, city council has referred issue 2A to this November’s ballot. “We are asking the [voters] to reinstate a stormwater fee for the next 20 years. Rates would be a flat $5 per month per residential unit and $30 per month per nonresidential development,” he said. “This would initially raise between $17 [million] to $18 million per year to be used exclusively for stormwater infrastructure maintenance and operations.”

WORKFORCE BRINGS CHALLENGES Regarding the local economy and job creation, Suthers said “the news continues to be very good.” Colorado Springs remains the 40th-largest city in the country, according to U.S. Census estimates. The

city has a population of about 470,000, the mayor said. The median age in the city is 34.4 years, about three years younger than the average age statewide. “We have averaged about 8,000 new jobs per year for the past two years,” he said. “We are now beginning to experience significant wage growth.” Suthers said unemployment was around 10 percent in 2010, and has reached record lows, now at about 2.5 percent this year. “Colorado Springs now has approximately 13,160 job openings and 10,519 people looking for work. The median salary for posted jobs is $69,600,” he said. “That’s about $4,500 above the median salary for posted jobs in Colorado.” Suthers said those high numbers also reflect an ongoing challenge: A pool of skilled workers properly trained to fill those jobs. “Many of our job-seekers don’t have the requisite job skills and knowledge to fill openings in fields ranging from health care and system engineering to welding and construction management,” he said. Suthers said there is an increasing level of communication and cooperation between the business community, high schools and higher education institutions. And while wages are beginning to grow, so is the area’s cost of living, Suthers said. “The average price of a home in Colorado Springs has risen … from $275,400 in July 2015 to $323,200 in July 2017,” he said, adding rent also continues to rise. The mayor also addressed the many projects currently under development in Colorado Springs, to include the planned Children’s Hospital and hospital expansions by both Centura and UCHealth. Suthers also recognized the growth of UCCS under the guidance of retired Chancellor Pam Shockley-Zalabak, and wished new Chancellor Venkat Reddy the best. “He has big high heels to fill,” Suthers said. “But we’re confident he’s prepared for the job.”

Cyber: Into new space From page 4

get the space right? What do we need to do better as we build the new building?” Collins said. Earlier this year, plans for a permanent, secure CyberWorx facility were brought forward from fiscal year 2021 to fiscal year 2018. The new 33,000-squarefoot facility will raise capacity to 10 simultaneous projects — or full operating capability. For now, the new studio, in the Academy’s — Jeffrey McDermott Library, has boosted interaction and enthusiasm among Air Force cadets, industry partners and CyberWorx clients. It includes flexible spaces with meeting rooms, breakout rooms for student groups and sprints, classrooms with touchscreens and projections, a large open kitchen, a secure facility, a makerspace, and individual work stations. CyberWorx will keep increasing its industry partnerships through the non-

profit Center for Technology, Research and Commercialization, Collins said, and new AFA Superintendent Lt. Gen. Jay B. Silveria is encouraging CyberWorx to make design thinking available to more cadets. For its successful trajectory to continue, CyberWorx will need more personnel. “[We need] to increase our staff more, to get more permanent people on board,” Collins said. “Right now we have 10, and those 10 are great but they’re Collins not full time; they’re reservists. They bring industry experience and it’s fantastic, [but] it will be great when we have a cadre of about 30 people.” Collins expects 10 additional staff in fiscal year 2018, then to grow to a total of 28 in fiscal year 2019. “We weren’t expecting the [permanent] building to come in [fiscal year] ‘18, so with that we’ve requested to also move up our personnel build,” he said. CSBJ

“It’s not the tools or the technology, it’s the talent.”

SHARE YOUR OPINION Guest commentaries: Have a topic

you’d like to write about? Send us no more than 750 words. And feel free to send us an email before you start to write to gauge our interest. Contact us at editorial@csbj.com or 719-634-5905.

Letters to the editor:

Send letters to The Colorado Springs Business Journal 235 S. Nevada Ave., Colorado Springs, CO 80903 or email letters to editorial@csbj.com.

TOURISM IS BOOMING “The Colorado Springs Airport is another good news story,” Suthers told the crowd. “In the last year we’ve added new destinations and many new flights, including four new destinations just this week.” Enplanements were up 11 percent last year and are on pace to be up another 30 percent this year, the mayor said. Tourism in the Springs “is booming,” Suthers said. “Hotel and motel … occupancy rates are rising.” Lodging tax collections grew 15 percent last year and were up another 17 percent thus far this year. “A record number of tourists are visiting Pikes Peak and Garden of the Gods,” he said. In May, ground was broken for the U.S. Olympic Museum and Hall of Fame. “This world-class attraction, scheduled to open in the summer of 2019, will cement our city’s brand as Olympic City USA,” the mayor said. Suthers said the year was not completely without its letdowns. “Last year, at my State of the City address, I expressed disappointment in the pace the state was moving to address state highway infrastructure, particularly the much needed expansion of I-25 between Monument and Castle Rock,” Suthers said. “This seven-day-aweek logjam between Colorado Springs and Denver is hurting commerce between our two great cities.” Suthers said, to its credit, the Colorado Department of Transportation has moved up its timetable to make the project shovel-ready by 2019. “El Paso County, the city of Colorado Springs and other members of PPRTA are offering seed money to help with the El Paso County portion of I-25,” Suthers said. “Unfortunately, political gridlock in our state Legislature continued for another year and this vital project remains unfunded.” CSBJ n

22 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

OPINION: HAZLEHURST

Hindsight not for the weak of will A s we meander through life we carry a figurative bucket filled to the brim with coulda/shouldas, decision points where we screwed up. As a certain milestone birthday approaches, I pawed through the bucket and unearthed dozens of epic, awesomely blockheaded and consequential screwups. Surely, I reflected, no one person HAZLEHURST could have made so many egregious mistakes, missed so many obvious opportunities and displayed such profound ignorance of the world around him. So here are a few, including one ringer. Guess which one is fake, and I’ll join you for a beer after work and give you free investment tips! • 1956 — In Aspen with pals, hoping we can get served at one of the low-rent downtown bars. Walking through the then-shabby little town, I noticed a For Sale sign in front of a stately brick house on a big lot surrounded by a wrought-iron fence. The sign noted a recent price cut to $15,500. My thought: Who would be crazy enough to pay that much for some Aspen dump? • 1958 — I had a sweet little 1956 MGA roadster. In Denver one afternoon, I stopped at a vintage car dealership. The owner pitched me on a Duesenberg SJ — he’d take the MGA in trade, and I’d have to make payments for a few years. I demurred — why would I want something that big, that old and that impractical? Had I bought the SJ, stuck it in a garage and sent it to Barrett-Jackson this year, I could retire with a com-

John

fortable seven-figure bank balance. And had I kept the MGA, I’d have a nice little appreciating asset. Instead, I’m driving a broken-down 2002 Nissan Xterra. • 1964 — In Tahiti, just married and trying to figure out what to do with my life. I could have stayed in paradise, chartered my sailboat and invested for the future. An opportunity: 100 acres of beachfront land in Puna’auia, a then sparsely populated area a few miles from Papeete. The price: $30,000. I passed, and left the island. • 1970 — In New York City, my childhood friend and NYC resident Tim Collins was an art collector. At a party at his townhouse I met Alice Neel, an artist who had painted portraits of both Tim and his mom. Neel, a lively 70-year-old, offered to paint me. “You don’t have to pay me unless you want the painting,” she said. “But there’s a condition — no clothes.” Ashamed of my then-flabby bod, I declined. Neel is now considered to be the greatest American portraitist of the 20th century. • 1972 — I was living in New York at 27 Washington Square North. The city was close to rock bottom, three years before the famous Daily News headline (Ford to City: Drop Dead!). The owner of the building wanted to condo it, giving existing tenants first dibs. I was no fool — I knew that New York City real estate, however prime, would never be worth anything. I moved to another rental. • 1981 — Back to Colorado Springs, we rented a

house in Rockrimmon and looked for a place to buy. A three-story Victorian on Tejon Street was for sale, just steps from my childhood house. The price: $70,000. I liked it, but my then-spouse didn’t. It reminded her of houses in a ramshackle, dangerous neighborhood of the eastern city where she grew up. I caved, and we stayed in the Rockrimmon rental. • 1986 — My stockbroker, Dennis, called and pitched me on a stock that was about to go public. I brusquely interrupted his pitch. “Dennis, it’s a software company,” said I with uninformed authority. “All software companies go broke, and this is no exception.” “I can get you 500 shares,” Dennis continued. “There’s a lot of interest in this company — I think it’ll stick around.” The company: Microsoft. Those 500 shares would be worth $3.6 million today. • 2003 — Swapping brags about our clever descendants, a college friend told me about his grandson, Mark Zuckerberg. “He’s scary, he’s so brilliant,” he said. “Someday he’ll rule the world. He’s about to drop out of Harvard and start a company. We should all invest.” I told him my son did a high-tech startup a few years back, and it didn’t work out. “So I think I’ll pass,” I said. The point: When opportunity knocks, it’s disruptive, inconvenient and unrecognizable. It’s also persistent — so much so that I expect a few more shots at the brass ring. CSBJ

Surely, I reflected, no one person could have made so many egregious mistakes.

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Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

Cuts: ‘Draconian cuts’ would impact nonprofit funding cut federal funding, you’re hurting our community.” Local donors are already stretched consultants and administrators as most by nonprofit needs. Abby Sienkiewicz, of our base funding comes from those executive director of the Center for two grants.” Nonprofit Excellence in the Springs, said there are 3,120 nonprofits in El UNITED WAY PANEL Paso County, according to the National Landis-Tyson and Boyles were part of Center for Charitable Statistics and a panel discussion about proposed bud1,184 of those are regget cuts, along with istered with c(3) staUrban Peak’s Shawna tuses with the Internal Kemppainen and Revenue Service. Partners in Housing’s Junior Achievement Mary Stegner, hosted President and CEO by United Way Sept. Carrie McKee said 21 at The Pinery at charitable giving the Hill. has been one of the “We have 350 em— SherryLynn Boyles last things to recover ployees, so we’re a big following the Great employer in Colorado Recession. She used the Springs,” Landis-Tyson term “donor fatigue.” said during the discussion. “Think about “For a nonprofit, flat is the new up,” the economic impact that would have if McKee said. “If you’re staying flat, we lose funding and people lose jobs.” you’re doing better than most. We had TESSA would likely shut down its ruto dig into our reserves last year, as ral services in El Paso and Teller counmost did. I think donor fatigue centies if federal cuts occur, Boyles said. ters around capital projects; there have “Pretty much every single one of been a lot of those. When an organizaour programs would face severe cuts,” tion like us makes an operational ask she said. “It’s daunting to think about from a consistent donor it might be for that. And it would put a lot more pres$100 a month. Capital campaigns go to people who might give $100,000 or sure on our police departments, the $1 million.” courthouse and hospitals. When you From page 1

“What has been proposed are very draconian cuts and it’s very scary.”

Junior Achievement receives no federal funds but assisted 16,000 students in the region in 2016, McKee said. Despite a 2016 budget of $837,000, McKee said she had to make cuts. “We had to cut everything — staff, programs, events,” she said. “It’s like any business; you have to do more with less.” United Way distributed $3.1 million from local donations to its partner agencies in the last fiscal year but had to cut a portion of the funding for its last twoyear cycle. “People are generous in Colorado Springs,” Aubrey said. “I think organizations will be more aggressive in their

F R E E

fundraising efforts and more creative. We could face the harsh reality of some local nonprofits closing.” El Pomar Foundation is a big booster of nonprofits, contributing more than $20 million annually to Colorado charities. But it’s not the savior for all. “If everybody thinks El Pomar Foundation will find a way to come up with another million dollars, well, that is very unlikely,” Kemppainen said. El Pomar does give to United Way. “Shawna’s right that people assume El Pomar’s going to fund everything,” Aubrey said, “and that’s just not possible.” CSBJ

B U S I N ES S

C H E C K I N G

Think big. Work hard. Make plans.

Theft: Bad guys, beware From page 7

your Outlook web access portal — and they’ll go and type in it.” Garcia said the Outlook portal is the one MainNerve most frequently clones for penetration testing, and targets will log in multiple times. Usually, capturing a person’s credentials yields access to more than just one system. “What we find unfortunately is password reuse — they might use one password across multiple systems,” Garcia said. “From a penetration testing standpoint we — James [include] that in our assessment, whereas an attacker would actually use that to try to get into everything.” So what happens when your business’ worst enemy looks like Ben from accounting, and when the most treacherous site looks like your in-box? Garcia has a ready example. “In a large-scale test that we did for a railroad, we found the [chief information officer]’s credentials; they logged in and we found they were authorized through a [virtual private network] with the same credentials,” he said. “We took over the entire network and we dumped about 3,800 passwords from the network. It just took that one person.” Terry Bradley, chief technology officer at PLEX Solutions LLC, has examples, too. “The most popular thing hackers are doing when they break in is extortion,”

he said. “Extortion in the cyber age is mostly done through Bitcoin, so I take control of your computer and encrypt your hard drive and all your files and if you ever want them back, you have to pay me in Bitcoin.” Bitcoin, an anonymous digital currency that is notoriously difficult to trace, means the risk of being caught is low. “This is happening at a huge rate and will continue to increase until someone can figure out a way to combat it,” Bradley said. “There are tons of these [Bitcoin] kits [for sale on the Darknet] and you can download them for a few hunGarcia dred dollars and make thousands of dollars by breaking into computers and holding them hostage.” PLEX Solutions focuses on vulnerability assessments and penetration testing. Bradley describes it as “a bad guy who’s not going to kill you — it’s the emotional experience of being hacked, without all the damage.” Bradley said companies should prioritize penetration testing for phishing and social engineering, as well as application security. Apart from pen testing, Garcia’s advice is: “Always keep your ear to the ground, and never take anything for granted when it comes to cybersecurity. “Cybersecurity is not for the other guys,” he said. “It’s not ‘We’re not big enough,’ or ‘We’re too big.’ You’re not immune to attack.” CSBJ

“You’re not immune to attack.”

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Colorado Springs Business Journal

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Colorado Springs Business Journal

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COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700541 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 23, 2017, 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): PETER D GONNELLA Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for CITIMORTGAGE, INC. Current Holder of Evidence of Debt: PROF-2013-S3 LEGAL TITLE TRUST II, BY U.S. BANK NATIONAL ASSOCIATION, AS LEGAL TITLE TRUSTEE Date of Deed of Trust: January 31, 2007 County of Recording: El Paso Recording Date of Deed of Trust: February 05, 2007 Recording Information (Reception No. and/or Book/Page No.): 207016957 Original Principal Amount: $105,600.00 Outstanding Principal Balance: $91,675.37 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. PLEASE SEE ATTACHED LEGAL DESCRIPTION EPC201700541 LEGAL DESCRIPTION Condominium Unit 27, in Sand Creek Commons – a Condominium Community, according to the Declaration thereof filed for record in the Records of the Office of the Clerk and Recorder of El Paso County, State of Colorado, on April 12, 2000, In Reception No. 200040026, and as subsequently Amended, and as defined and described in the Condominium Map for Sand Creek Commons Condominiums Phase 5A recorded on April 17, 2001 in Reception No. 201047896, in said records, County of El Paso, State of Colorado. Also known by street and number as: 455 KITFIELD VIEW #27, CO SPGS, CO 809221659. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 10/25/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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

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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: 9/1/2017 Last Publication: 9/29/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/23/2017 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: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006567564 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700555 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On June 30, 2017, 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): SHAINE M MONTGOMERY Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc. as nominee for STEARNS LENDING, LLC, its successors and assigns Current Holder of Evidence of Debt: STEARNS LENDING, LLC Date of Deed of Trust: December 24, 2014 County of Recording: El Paso Recording Date of Deed of Trust: December 26, 2014 Recording Information (Reception No. and/or Book/Page No.): 214119017 Original Principal Amount: $199,224.00 Outstanding Principal Balance: $139,880.02 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. LOT 1, IN BLOCK 8, IN SUNDOWN SUBDIVISION FILING NO. 15, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5803 GRANBY HILL DR, COLORADO SPRINGS, CO 80923. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/01/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/8/2017 Last Publication: 10/6/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 06/30/2017 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: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-015829 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700569 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 7, 2017, 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): JASON EASTMAN Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for GB HOME EQUITY, LLC Current Holder of Evidence of Debt: NPL CAPITAL, LLC Date of Deed of Trust: April 03, 2007 County of Recording: El Paso Recording Date of Deed of Trust: April 17, 2007 Recording Information (Reception No. and/or Book/Page No.): 207052034 Original Principal Amount: $40,000.00 Outstanding Principal Balance: $36,632.70 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. LYING AND BEING LOCATED IN THE

CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO; ALL THAT CERTAIN PARCEL OR TRACT OF LAND KNOWN AS: LOT 6 BLOCK 3, COLORADO COUNTRY FILING NO. 10, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 5440 SACRAMENTO PLACE, 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/15/2017 Last Publication: 10/13/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/07/2017 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: William R. Arant III #36864 Arant Law, LLC 11020 S. Pikes Peak Drive, Ste 220 Parker, CO 80138 (720) 541-7903 Attorney File # 5988 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700570 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 10, 2017, 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): ROBERTO M GOMEZ and DANELLE L GOMEZ Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for

lender, USAA FEDERAL SAVINGS BANK Current Holder of Evidence of Debt: USAA FEDERAL SAVINGS BANK Date of Deed of Trust: August 10, 2015 County of Recording: El Paso Recording Date of Deed of Trust: August 11, 2015 Recording Information (Reception No. and/or Book/Page No.): 215086560 Original Principal Amount: $400,000.00 Outstanding Principal Balance: $389,498.09 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. LOT 101, INDIGO RANCH AT STETSON RIDGE FILING NO. 4, CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6360 SHOOTING IRON WAY, COLORADO SPRINGS, CO 80923. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/08/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/15/2017 Last Publication: 10/13/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/10/2017 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: Holly Ryan #32647 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-945-30073 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 1/2015

26 Sept. 29 - Oct. 5, 2017

Colorado Springs Business Journal

PUBLIC NOTICES COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700575 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 13, 2017, 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): BRIAN R. KING and KRYSTAL D. KING Original Beneficiary(ies): MORTGAGE ELECTRONIC REGISTRATION SYSTEMS, INC. AS NOMINEE FOR FIRST MORTGAGE COMPANY LLC, ITS SUCCESSORS AND ASSIGNS Current Holder of Evidence of Debt: NATIONSTAR MORTGAGE LLC Date of Deed of Trust: December 31, 2009 County of Recording: El Paso Recording Date of Deed of Trust: January 20, 2010 Recording Information (Reception No. and/or Book/Page No.): 210005093 Original Principal Amount: $234,945.00 Outstanding Principal Balance: $205,687.09 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. LOT 13, NORTHCREST FILING NO. 2, PHASE 3, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 3050 FRAZIER LANE, COLORADO SPRINGS, CO 80922. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/13/2017 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: David R. Doughty #40042 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016025 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 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700592 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 17, 2017, 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): RACHEL VANG Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as the nominee for lender, LEHMAN BROTHERS BANK, FSB, A FEDERAL SAVINGS BANK Current Holder of Evidence of Debt: FEDERAL NATIONAL MORTGAGE ASSOCIATION (“FANNIE MAE”), A CORPORATION ORGANIZED AND EXISTING UNDER THE LAWS OF THE UNITED STATES OF AMERICA Date of Deed of Trust: December 05, 2006 County of Recording: El Paso Recording Date of Deed of Trust: December 13, 2006 Recording Information (Reception No. and/or Book/Page No.): 206180326 Re-Recording Information (Reception No. and/or Book/Page No.): 207002003 Re-Recording Date of Deed of Trust: January 04, 2007 Original Principal Amount: $79,200.00 Outstanding Principal Balance: $78,662.66 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. ATTACHED HERETO AS EXHIBIT ‘A’ AND INCORPORATED HEREIN AS THOUGH FULLY SET FORTH. EPC201700592 EXHIBIT A Condominium Unit L, Building 3440, Sierra Pointe Condominiums (formerly known as Snapfinger Woods Condominiums), according to the Amended Condominium Map for Snapfinger Woods Condominiums, recorded on June 22, 1981 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 Point 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 Also known by street and number as: 3440 PARKMOOR VILLAGE DR L, 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444

www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/17/2017 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: Toni M. Owan #30580 Medved Dale Decker & Deere, LLC 355 Union Blvd., Suite 250 Lakewood, CO 80228 (303) 274-0155 Attorney File # 17-914-30076 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700594 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 18, 2017, 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): DIXON G TRICH and KATHLEEN A WILSON Original Beneficiary(ies): COLDWELL BANKER MORTGAGE Current Holder of Evidence of Debt: PHH MORTGAGE CORPORATION Date of Deed of Trust: January 13, 2004 County of Recording: El Paso Recording Date of Deed of Trust: February 02, 2004 Recording Information (Reception No. and/or Book/Page No.): 204017459 Original Principal Amount: $242,249.55 Outstanding Principal Balance: $183,880.74 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. LOT 4, HIGH MEADOWS AT SPRINGS RANCH FILING NO. 1, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 4348 ROUND HILL DRIVE, COLORADO SPRINGS, CO 80922. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial

Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/18/2017 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: Sheila J. Finn #36637 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016074 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 1/2015

Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/18/2017 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 Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-775756-LL 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 1/2015

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700595 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 18, 2017, 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): Mahala Sue Springhower Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for Universal Lending Corporation Current Holder of Evidence of Debt: Wells Fargo Bank, N.A. Date of Deed of Trust: April 12, 2011 County of Recording: El Paso Recording Date of Deed of Trust: April 12, 2011 Recording Information (Reception No. and/or Book/Page No.): 211036738 Original Principal Amount: $194,930.00 Outstanding Principal Balance: $163,265.50 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. LOT 46, STETSON HILLS SUBDIVISION FILING NO. 34, IN THE CITY OF COLORADO SPRINGS, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 5247 Ferrari Drive, Colorado Springs, CO 80922. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial

COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700597 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 19, 2017, 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): David Bowen Original Beneficiary(ies): Firstier Financial Group, Inc. Current Holder of Evidence of Debt: Desert Springs Investments, LLC Date of Deed of Trust: August 01, 2006 County of Recording: El Paso Recording Date of Deed of Trust: August 04, 2006 Recording Information (Reception No. and/or Book/Page No.): 206115202 Original Principal Amount: $100,000.00 Outstanding Principal Balance: $100,000.00 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. Lot 3 in North Circle Plaza Subdivision, in the City of Colorado Springs, County of El Paso, State of Colorado. Also known by street and number as: 1867 North Circle Drive, Colorado Springs, CO 80909. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244

(855) 411-2372 www.consumerfinance.gov DATE: 07/19/2017 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: Lyndsay S. Ressler #37015 Ressler Law 30 East Kiowa St., Suite 101 Colorado Springs, CO 80903 (719) 578-0200 Attorney File # Bowen 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700598 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 19, 2017, 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): STANLEY L MARTINEZ Original Beneficiary(ies): WELLS FARGO BANK, N.A. Current Holder of Evidence of Debt: WELLS FARGO BANK, NA Date of Deed of Trust: April 01, 2011 County of Recording: El Paso Recording Date of Deed of Trust: April 06, 2011 Recording Information (Reception No. and/or Book/Page No.): 211034356 Original Principal Amount: $132,750.00 Outstanding Principal Balance: $122,798.41 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. LOT 9, BLOCK 1, CIMARRON HILLS FIRST FILING, COUNTY OF EL PASO, STATE OF COLORADO Also known by street and number as: 6757 DALE ROAD, COLORADO SPRINGS, CO 80915. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/15/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/22/2017 Last Publication: 10/20/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/19/2017

Colorado Springs Business Journal

Sept. 29 - Oct. 5, 2017

PUBLIC NOTICES 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: Nicholas H. Santarelli #46592 JANEWAY LAW FIRM, P.C. 9800 S. Meridian Blvd., Suite 400 Englewood, CO 80112 (303) 706-9990 Attorney File # 17-016129 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700604 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 21, 2017, 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): JOHN PAGE Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for ACADEMY MORTGAGE CORPORATION Current Holder of Evidence of Debt: WELLS FARGO BANK, N.A. Date of Deed of Trust: May 31, 2013 County of Recording: El Paso Recording Date of Deed of Trust: June 06, 2013 Recording Information (Reception No. and/or Book/Page No.): 213073507 Original Principal Amount: $156,772.00 Outstanding Principal Balance: $144,747.70 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. SEE ATTACHED EXHIBIT A FOR LEGAL DESCRIPTION EXHIBIT A UNIT 201, ACCORDING TO THE CONDOMINIUM MAP FOR THE VISTAS AT NOR’WOOD CONDOMINIUMS, BUILDING 1 RECORDED DECEMBER 10, 2012 AT RECEPTION NO. 212600952, PLAT BOOK 111, PAGE 205, IN THE RECORDS OF THE OFFICE OF THE CLERK AND RECORDER OF THE COUNTY OF EL PASO, STATE OF COLORADO AND AS DEFINED AND DESCRIBED IN THE DECLARATION OF COVENANTS, CONDITIONS AND RESTRICTIONS OF THE VISTAS AT NOR’WOOD CONDOMINIUMS, RECORDED ON JANUARY 8, 2007 AT RECEPTION NO. 207003235 AND ANNEXATION OF ADDITIONAL LAND RECORDED DECEMBER 17, 2012 AT RECEPTION NO. 212150445 IN SAID RECORDS, AS AMENDED, COUNTY OF EL PASO, STATE OF COLORADO. TOGETHER WITH THE EXCLUSIVE RIGHT TO USE LIMITED COMMON ELEMENT GARAGE UNIT 3, BUILDING NO. 1, AS SHOWN ON THE CONDOMINIUM MAP FOR THE VISTAS AT NOR’WOOD CONDOMINIUMS, BUILDING 1 RECORDED DECEMBER 10, 2012 AT RECEPTION NO. 212600952, PLAT BOOK 111, PAGE 205, IN THE RECORDS OF THE OFFICE OF THE CLERK AND RECORDER OF THE COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4790 WELLS BRANCH HEIGHTS, 201, COLORADO SPRINGS, CO 80923. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/29/2017 Last Publication: 10/27/2017 Name of Publication:

Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/21/2017 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 Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-776436-LL 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700605 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 21, 2017, 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): JERAMIE J CRABTREE and ROBYN A CRABTREE Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., as nominee for PEOPLES MORTGAGE CORPORATION Current Holder of Evidence of Debt: BANK OF AMERICA, N.A. Date of Deed of Trust: September 23, 2011 County of Recording: El Paso Recording Date of Deed of Trust: September 29, 2011 Recording Information (Reception No. and/or Book/Page No.): 211094948 Original Principal Amount: $194,930.00 Outstanding Principal Balance: $182,717.75 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. LOT 10, CONSTITUTION HILLS FILING NO. 8, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 2587 WEYBURN WAY, COLORADO SPRINGS, CO 80922. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/29/2017

Last Publication: 10/27/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/21/2017 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 Grina #43658 McCarthy & Holthus, LLP 7700 E. Arapahoe Road, Suite 230 Centennial, CO 80112 (877) 369-6122 Attorney File # CO-17-775938-LL 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700609 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 21, 2017, 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): ROGER BADER Original Beneficiary(ies): Mortgage Electronic Registration Systems, Inc., acting solely as nominee for NEW CENTURY MORTGAGE CORPORATION Current Holder of Evidence of Debt: U.S. Bank National Association, as Trustee for Residential Asset Securities Corporation, Home Equity Mortgage AssetBacked Pass-Through Certificates, Series 2007-KS2 Date of Deed of Trust: November 15, 2006 County of Recording: El Paso Recording Date of Deed of Trust: November 21, 2006 Recording Information (Reception No. and/or Book/Page No.): 206170123 Original Principal Amount: $171,000.00 Outstanding Principal Balance: $173,689.48 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. LOT 18 IN BLOCK 5 IN CANDLEWOOD FILING NO. 2, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 4565 SLEEPY HOLLOW CIRCLE N, 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120, 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: 9/29/2017 Last Publication: 10/27/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/21/2017 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: Nichole Williams #49611 Barrett Frappier & Weisserman, LLP 1199 Bannock Street Denver, CO 80204 (303) 350-3711 Attorney File # 00000006857742 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 1/2015 COMBINED NOTICE - PUBLICATION CRS §38-38-103 FORECLOSURE SALE NO. EPC201700622 To Whom It May Concern: This Notice is given with regard to the following described Deed of Trust: On July 26, 2017, 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): JEAN M. DOLE Original Beneficiary(ies): COLORADO SPRINGS SAVINGS AND LOAN ASSOCIATION Current Holder of Evidence of Debt: BAYVIEW LOAN SERVICING, LLC Date of Deed of Trust: January 24, 1996 County of Recording: El Paso Recording Date of Deed of Trust: January 31, 1996 Recording Information (Reception No. and/or Book/Page No.): 96012356 Original Principal Amount: $64,000.00 Outstanding Principal Balance: $13,527.81 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. LOT 43, BLOCK 1, CONSTITUTION HILLS NORTH FILING NO. 1, ACCORDING TO THE PLAT THEREOF RECORDED IN PLAT BOOK Y-3 AT PAGE 25, COUNTY OF EL PASO, STATE OF COLORADO. Also known by street and number as: 6256 CHANTILLY PLACE, COLORADO SPRINGS, CO 80922. 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. THEREFORE, Notice Is Hereby Given that I will at public auction, at 10:00 on Wednesday, 11/22/2017, at Robert Russel Building, 105 East Vermijo, Suite 120,

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: 9/29/2017 Last Publication: 10/27/2017 Name of Publication: Colorado Springs Business Journal 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; IF THE BORROWER BELIEVES THAT A LENDER OR SERVICER HAS VIOLATED THE REQUIREMENTS FOR A SINGLE POINT OF CONTACT IN SECTION 3838-103.1 OR THE PROHIBITION ON DUAL TRACKING IN SECTION 38-38103.2, THE BORROWER MAY FILE A COMPLAINT WITH THE COLORADO ATTORNEY GENERAL, THE FEDERAL CONSUMER FINANCIAL PROTECTION BUREAU (CFPB), OR BOTH. THE FILING OF A COMPLAINT WILL NOT STOP THE FORECLOSURE PROCESS. Colorado Attorney General 1300 Broadway, 10th Floor Denver, Colorado 80203 (800) 222-4444 www.coloradoattorneygeneral.gov Federal Consumer Financial Protection Bureau P.O. Box 4503 Iowa City, Iowa 52244 (855) 411-2372 www.consumerfinance.gov DATE: 07/26/2017 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: Karen J. Radakovich #11649 Frascona Joiner Goodman and Greenstein PC 4750 Table Mesa Drive Boulder, CO 80305-5500 (303) 494-3000 Attorney File # 7192-10380 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 1/2015

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