SUNDAY, DECEMBER 7, 2014 THE NEW MEXICAN
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EMPLOYMENT ES OPPORTUNITI S COUNCIL, INC. RN INDIAN PUEBLO ENCE EIGHT NORTHE ER OF EXCELL - A LOCAL EMPLOY
and compliance – MAIN OFFICE Head Start Program supervision of HEAD START and nt of the ENIPC’s DIRECTOR OFoverall administration and manageme to-day administration, management, for all other Head
the Carry out dayResponsible for staff. Provide support in accordance delegate agencies. any administrative to Head Start familiesand fosters monitoring of ENIPC’s Supervise Lead Teachers and and social services Council Program. of family assistance the Head Start Head Start Policy assessment, the implementation Coordinate the activities of the Provide screening, Start staff. Oversee Program Standards. the Head Start Performance standards. program governance with with the Head Start and maintain the the Head Start grant making in accordance disabilities. Oversee shared decision with suspected funding. .Establish diagnosis of children and budget, search for additional the all application. Bachelor’s Degree evaluation and serded approval of the current grant Human and Disability structure. Maintain the review and recommen Administration, in supervisory/ Work oversee and Social experience Education, (5) years of application process in Early Childhood Minimum of five Administration. nt with Master’s preferred Education, or Business programs or business manageme Elementary vices, services position in human administration services provided management and cal OR – TAOS appropriate clinical will provide direct psychologi Director will assure CLINICAL DIRECT , and training to The Clinical Director Center Clinical Healing Center. leadership, supervision Health, D.O.J. The Butterfly Healing Butterfly clinical Inc.’s settings, Optum of ENIPC, to the residents inpatient and outpatient in order to maintain C.Y.F.D., also management in ts thereof. Position and all compliance services, clinical and requiremen shall assure program of Life funding sources representing Circle all BHC staff. IncumbentServices and any additional outreach services Health nt experience. Minimum of marketing and as well as Indian essful manageme LISW d di tion in areas
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/jobs Athletwww.nmhu.edu n see: ww The Director of job descriptio a Director of Athletics. For a complete personnel activities application for s. l, financial and the operationa University is accepting policies and procedure directing and evaluating al, RMAC, and NCAA New Mexico Highlands the NCAA e for planning, n and supports of institution ics is responsibl t within the context classroom as well as in competitio and the University expects in the of the athletic departmen a long tradition : Master’s to student success at Highlands is MENTS: Education ex eriNMHU is committed initiative. Athletic success JOB REOUIRE Administrative Balance n that it offers. MINIMUM DII Life in the ex erience. Preferred: a e in those sports . Five 5 ears coachin it to be competitiv an Sports Science. field. Ex erience: ers ip, or Exercise De ree in an Lea University t 3) ucationa n, Business, E of interest; 2) resume; submit 1) a letter Sports A ministratio Candidates must aster s egree in PROCEDURE: APPLICATION .
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SPOUSES SELLING HOUSES ROGER AND MELISSA CARSON
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A living room showcases designer Brian Patrick Flynn’s love of flocked artificial trees. Flynn suggests that the white flocking tones down the vivid green of the trees, making them fit more effortlessly with any color scheme. BRIAN PATRICK FLYNN, HGTV.COM
Dec emb er 2014
Fake vs. real, and beyond When decorating with Christmas trees, options abound By Melissa Rayworth The Associated Press
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or generations, the choice was simple: 1. Strap a live Christmas tree to the roof of your car, wrestle it into a tree stand at home and hope it wouldn’t fall over. Or, 2. Put up an artificial tree that was unmistakably fake. Fortunately, the options have expanded dramatically, from realistic fake trees pre-lit with softly glowing LED lights to environmentally friendly, abstract “trees” made from reclaimed shipping pallets. Options for a real, live tree include “white glove” service that includes delivery
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and professional setup. Here, three interior designers help sort out some options and share advice on stylishly decorating with holiday trees and branches, even in households where Christmas isn’t celebrated.
Exquisitely artificial Designer Brian Patrick Flynn, founder of Flynnside Out Productions, loves the look and scent of real trees. But he is “hands down, 100 percent on Team Artificial,” thanks to the convenience and range of today’s fake trees. White trees are “excellent for more elegant, sophisticated spaces,” Flynn says. He layers on ornaments in shades of white and metallics “for a less-is-more, tone-on-tone look.” Designer Lee Kleinhelter, founder of the Pieces home decor store in Atlanta, agrees. She uses a high-quality, fake
Please see TREES, Page E-6
Designer Brian Patrick Flynn put an up-cycled spin on the décor of his outdoor living room with Christmas trees made from reclaimed shipping pallets. Flynn suggests using sculptural trees rather than real or artificial ones if you’re too short on time to add ornaments and lights. ATLANTA HOMES & LIFESTYLES, SARAH DORIO
The ’80s are back again: Dhurries are in Retailers bring Indian rugs to new generation By Jura Koncius The Washington Post
The Shapes dhurrie designed by Alyson Fox in collaboration with Hawkins New York is from Dwell Store. Dhurrie rugs, once all the rage in the 1980s, are showing up at retailers including West Elm and Anthropologie. DWELL STORE
ne of the cornerstones of the homebuying process is the home mortgage. Whether or not you receive a loan chiefly depends on your employment history, how much you earn, how much you owe, how much you own and your FICO (credit) score. As experienced Realtors who work hard to get people into homeownership, we find that of all of these lending variables, the FICO score is least understood. Since your FICO score has the greatest impact on how much your loan is going to cost, we thought we would share a little about what we know. FICO was created in 1987 as a way to quickly address creditworthiness at a time of tremendous credit expansion. The information FICO uses comes from three national bureaus that gather credit information: Experian, Equifax and TransUnion. The FICO score is based on a proprietary algorithmic scoring tate Guide model that computes scores Santa Fe Real Es on a scale from 300 to 850. Your FICO score is used by lending institutions to determine a risk premium. The higher your score, the lower the risk and therefore the lower the risk premium. Maintaining a high FICO score directly translates into loans that cost you less. For example, if you have a FICO score of 720 and | Homewise at T you take out a mortgage R.E. Commission on a $250,000 home at an interest rate of 5.9 percent over the life of a 30-year MORE HOME mortgage, you would pay This column runs back $533,822. If your FICO regularly in Home, score was 600, you would Santa Fe Real be charged a rate of 8.5 perEstate Guide. Look cent, and over the life of the for Home inside same loan you would end The New Mexican up paying back $692,020, a today and every difference of $158,198. first Sunday of The recession created the month, and at a double whammy in the www.santafe lending industry. Due to newmexican. increased defaults on mortcom/life/home. gages, new government regulations require higher FICO scores, which exclude a large number of homebuyers from the market. Additionally, the effect of the recession on the average American caused their FICO scores to fall. In 2006, the average FICO score was 723, and in 2011 it was 711. Those who had a decrease in their scores will now be paying more money for the loans they get. If you, your children or anyone else you care about has a low score, now is the time to improve it. You may want to consider creating a FICO plan with a credit counselor to help guide your credit habits. FICO is like Google in that they keep their business methods secret, but we know that they gather information from five categories: payment history, length of credit history, types of credit, new credit and debts owed. Negative information is typically captured in your payment history, which makes up 35 percent of the total score. According to Integrated Loan Assistance, a company that helps repair credit, 79 percent of all credit reports contain errors, and out of that, 25 percent contain serious errors that would deny credit. Due to the increasing importance of credit ratings, the Fair and Accurate Credit Transaction Act was created, allowing every U.S. citizen to obtain an annual credit report for free. It’s well worth your time to examine your credit and remove any incorrect or erroneous data. It’s not about how much you make, it’s about how you spend. Michael Jackson, the King of Pop, earned more than $2 billion in his lifetime (plus $1 billion posthumously), which may not sound surprising, but what most people don’t know is that in 2007, he had a FICO score of only 563. Not too thrilling to the eyes of a loan officer, since that probably wouldn’t qualify for a loan today. The best interest rates live in the land above 720, so if you’re not already there, review your credit habits or work with a credit counselor to get that score up.
In the 1980s, dhurrie rugs from India, with their bright colors, geometric designs and sturdy flat weaves, were all the rage. In 1983, one of the first things my husband and I selected for our new apartment in Washington was a $499 red and white 9-by-12-foot dhurrie rug from the Kellogg Collection. I wish I still owned it. Dhurries sort of disappeared in the 1990s (I gave mine away), but they’re back. Today, affordably priced dhurries are showing up at retailers including West Elm and Anthropologie, bringing this versatile, reversible floor
covering to a new generation. “Dhurries are wonderful rugs and look beautiful in many settings,” says Pam Green, owner of the home decor store Kellogg Collection, which recently brought dhurries back into the inventory of its four stores. Dhurries, which have been woven for hundreds of years, are the reason that Green opened her original Kellogg store in Washington in 1982. She had seen dhurries featured in design magazines such as House Beautiful, and she found the look both fresh and classic. Yet she couldn’t find one for sale in the nation’s capital. She traveled to India and started importing them herself. “Our customers were really taken with their great patterns and colors, including many
Please see DHURRIES, Page E-6
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Roger and Melissa are Realtors at KW. Call them at 699-3112, email twicethesellingpower@gmail.com, or follow them on Twitter @CarsonandCarson and at www.facebook.com/carsonandcarson.
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sothebyshomes.com/santafe 231 Washington Avenue | Santa Fe, NM 87501 505.988.8088
16 CHICOMA AVENUE | $499,000 This 3-building compound is beautifully designed with the finest Japanese-style aesthetics. #201300832 Bob Cardinale | 505.577.8418
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For more information on this page, contact: Brian Barker, bbarker@sfnewmexican.com
23 TANOITO | $599,000 Huge, dazzling sunsets from this solid Northern New Mexico pitched-roof house offTano Road.#201405394 Abigail Davidson | 505.570.0335
604 SUNSET STREET, UNIT C | $625,000 Beautifully appointed condominium just three blocks from the Plaza. #201303327 Team Brunson & Schroeder | 505.690.7885
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