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Sunday, November 13, 2016

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SPOTLIGHT:

Nature and convenience join together at this true retreat home

BY GINA CRONIN  GINA.CRONIN@GAZETTE.COM

Embedded beautifully in the natural landscape of the High Forest Ranch gated community is a home sanctuary unlike any other. Located on nearly three acres of unspoiled land, the lovely 5,714 square foot custom home at 16122 Timber Meadow Drive has four to five bedrooms and five baths. Residents of this dwelling can enjoy comfortable main level living and ultimate tranquility in treed privacy without sacrificing everyday conveniences. The community evokes the feeling of living in a national park, all while being a mere five minutes from shopping and dining, 20 minutes from downtown Colorado Springs and 45 minutes from Denver.

The home boasts a gorgeous circular driveway and impeccable front yard landscaping. The stucco exterior is complete with stone accents, a tile roof and a courtyard entrance. An attached five-car garage provides ample space for cars, trucks, sports equipment and even boats. Following a stone walkway, one can take a stroll to enjoy the fresh air amongst the towering pines, or relax on the lower level patio, which is cement with an attractive epoxy coating, and surrounded by a curved grassy area that is enclosed by a charming stone wall.

Upon entering the home, one is met by an

16122 TIMBER MEADOW DRIVE Becky Gloriod, the Becky Gloriod Partners Berkshire Hathaway Homes Services Rocky Mountain Realtors

719-229-9777 • www.beckygloriod.com

CONTINUED ON PAGE 3

Just Listed!

Thinking of selling your home? Call us! - 719.822.0649 Black Forest

w w w. bl ack fore stp er fe c ti on. c om 7,829 Square Feet, 5 Bedroom Suites, 7 Baths, 4-Car French Country charmer w/main level living & close-in location. Foyer w/sweeping curved staircase. Great room w/20’ ceiling & stone fireplace. Dining w/peaked ceiling. Gourmet kitchen w/nook & hearth area. Alder office. Master w/fireplace & travertine bath. Walkout lower. Wet bar. Expansive deck & Flagstone patio. Greenhouse. Gorgeous landscaping w/water feature.

MLS# 5007446 $1,789,000

becky@gloriod.com • www.beckygloriod.com

Introducing Sanctuary Pointe.

A pristine community nestled in the trees along the western edge of the Black Forest.

Baptist Road & Sanctuary Rim Drive - Monument, CO

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2SH

The Gazette · springshouses.com

Sunday, Nov 13, 2016

The 2008 housing crisis continues to affect the market today.

7 lessons today’s homeowner can learn from the 2008 crisis

BY ANDREW DEPIETRO  TRIBUNE CONTENT AGENCY, LLC

The 2008 housing crisis continues to affect the market today. After the crash, home prices reached a low point in 2012, according to the S&P/Case-Shiller Home Price Indices. Since then, housing prices have recovered. And, the rise in prices and home values seems to also be encouraging borrowing, including home equity lines of credit (HELOCs).

According to TD Bank’s HELOC Reset Measure survey, a poll of over 800 HELOC borrowers, three in 10 of respondents opened their HELOC since 2014. A HELOC is a convenient way homeowners can use their home’s equity in order to renovate their home, make a large purchase or fund other needs. But in order to make a HELOC work for you, you need to know how a HELOC can impact your financial situation.

So although the U.S. might not be headed for a housing crash soon, there are other ways current homeowners are vulnerable to a potential housing crisis. Here are seven lessons for homeowners to learn from the 2008 crisis.

LOW INTEREST RATES

Tip 1: Take advantage of low rates on HELOCs — responsibly.

In the last housing crisis, extreme borrowing was named one of the biggest culprits. And, low interest rates along with moderate inflation is one of the factors that often leads to strong growth rates in borrowing.

Because borrowing rates have been increasing, some might think another housing crisis is in the near future. But with a thought-out plan, plus guidance from your bank, today’s economic atmosphere could be a boon instead of a bust.

The truth is, today’s low interest rates are creating more flexibility for homeowners, and — not surprisingly — HELOCs have become quite popular again. Just take a look at some of the statistics on HELOC borrowing, according to TD Bank’s survey findings: • 29 percent of respondents took out a HELOC before 2008 • 54 percent have taken out a HELOC in 2011 and onward • 60 percent of HELOCs taken out before 2011 have credit limits of $50,000 and above • 68 percent of HELOCs taken out in 2011 and onward have credit limits of $50,000 and above • 64 percent of current HELOCs have a credit limit of more than $50,000 But although borrowing has increased, borrowers have to meet strict criteria to get approved for a HELOC. In other words, borrowing rates haven’t gotten out of control like they did during the last housing bubble.

And, it seems likely that increased borrowing and credit limits are signs that homeowners are carefully planning for the future rather than speculating on rising home values and prices.

“Industry-wide, limits are going up but very cautiously,” says Mike Kinane, senior vice president of home equity at TD Bank. “We’ve seen a resurgence in both lending volume and increased limits, but it hasn’t been aggressive. Rather, it has been a fairly prudent increase in line sizes,

driven by borrowers with strong credit scores and incomes, plus significant equity in their homes.”

RISING INCOMES AND HOME VALUES

Tip 2: Make sure you can afford to pay back your HELOC. Home prices and values are increasing across the nation. In fact, many cities are seeing home prices skyrocket to levels not seen since the housing bubble.

Incomes are rising as well. For the first time

to homeowners. But, a homeowner has options, including refinancing into a new HELOC, or allowing it to reset into an amortizing payment, or even pay it off. With home prices on the rise across the U.S., homeowners have the opportunity to use their home’s equity in a very strategic manner.

But utilizing your home equity in a smart way requires careful planning. Unfortunately, 23 percent of people have no plan when the HELOC draw period ends, found TD Bank’s survey.

To protect your finances, don’t be one of these people without a HELOC reset plan.

There are trends that could be taken as troubling, but they could just as easily be turned in your favor. since 2011, incomes are increasing faster than housing prices: Home values rose 5.1 percent in the last year while incomes rose 5.2 percent. And, rising incomes coupled with higher home values might be encouraging people to take out HELOCs. But to avoid déjà vu and a repeat of the 2008 housing crisis, make sure you can really afford to pay back your HELOC when the time comes. It seems that those who have taken out HELOCs do have enough money to pay them back — as well as enough value in their homes.

“Having a solid home with good value and a steady job is leading consumers who have been in their house long enough and need renovations to consider HELOCs,” says Kinane. “They start to think about what they want to do around the home, and the rising home values make them more confident to execute a renovation.”

HELOC RESETS

Tip 3: Figure out what you’re going to do after your HELOC resets.

During the housing boom, HELOCs made sense as a convenient way to gain access to money because home values were strong and expected to continue rising. But now, many of those HELOCs taken out during the housing bubble on the assumption home values would continue to rise indefinitely are resetting. According to TD Bank’s survey, a large number of U.S. homeowners – 43 percent – will be affected by a HELOC reset.

When a HELOC resets, its draw period — the period of time you can borrow on your line of credit and pay only the interest — is ending.

The repayment period then begins, and you start paying the fully amortized payment, which is interest plus principal.

A HELOC reset can be a major financial challenge

HELOC CONTRACT DETAILS

Tip 4: Review lender information about HELOC contracts.

TD Bank’s survey also found 27 percent of respondents don’t know when their HELOC draw period ends, which could be devastating if they haven’t financially prepared themselves for the repayment period. However, this seems to be an issue of forgetfulness, rather than negligence.

“By the time (customers) get to closing, they are eager for the funds,” says Kinane. “Nine to 10 years later, customers have to remember that a reset is happening. That’s why it’s less ‘uninformed,’ and more that they just don’t remember.”

The best way to keep up on the financial details and prevent something going wrong with your home or home loan is to pay attention to your lender. Your bank will send you reminders before your draw period ends, and you also have the option to call in, go online or visit in person if you need help. HELOC lenders at TD Bank, for example, make sure their customers are well aware when the end of the draw period occurs — and what it entails.

“Banks are required to disclose exactly what’s happening on the customer’s loan,” says Kinane.

“We can’t give a loan without describing how it works and ensuring the customer understands that. Throughout the process, and ultimately when they sign the documents, we stress to the borrower what type of product it is and what it does, and notify them ahead of their reset date.”

If you’re part of the 58 percent of respondents whose HELOC is resetting in the next five years, the reset itself is not a major problem. By working closely with your home equity lender, you can prepare for the coming repayment period, either by refinancing or paying back the line of credit.

MONTHLY PAYMENT INCREASES

Tip 5: Know what impact your HELOC’s draw period expiration will have on your monthly payments.

Although it has been a few years since the crash — and homeowners have had time to learn from past mistakes — homeowners should remain fully informed about the financial impact of their HELOC’s draw period expiration.

In fact, 43 percent of respondents in the survey said they don’t know the impact the expiration will have on their monthly payments. Additionally, only 19 percent of respondents understand that a HELOC reset will increase their monthly payments.

Worryingly, 38 percent of respondents think their monthly payment will actually go down when their HELOC resets.

But a lack of awareness can be remedied fairly easily. Understanding a HELOC’s financial impact means working closely with your lender, who can tell you how the reset will impact your financial situation.

HIGHER INTEREST RATES

Tip 6: Consider getting a fixed-rate HELOC. HELOC rates are based on prime rates, which are subject to changes in the federal funds rates.

A change in the Fed rate means HELOC rates are affected as well. So, a rate hike would mean increased monthly payments for HELOC borrowers.

“When rates rise up, that may accelerate customers thinking about what they should do with the debt (i.e., refinance or pay it off),” says Kinane.

This acceleration in customers’ thinking could get in the way of careful decision-making, as almost one-quarter of respondents to TD Bank’s survey said they don’t have a plan for when their HELOC draw period ends.

For this reason, stay in contact with your lender and research your HELOC options. For example, the TD Bank HELOC offers a fixed-rate HELOC option for those borrowers that don’t have the appetite to manage future rate hikes.

STAGNANT HOME VALUES

Tip 7: Protect your home’s value by using a HELOC for renovations.

Sure, home values and prices have been steadily increasing across most of the nation since 2011.

But we learned in 2008 that home values can decrease, and homeowners need to be prepared.

Keeping in touch with your bank is one of the best ways to maintain realistic expectations.

Home equity lenders at TD Bank, for example, set customer expectations while making sure you’re informed about ways to utilize a HELOC if you have equity in your home.

Take home improvements and repairs, for example. Home renovations are one of the most popular uses of HELOCs, with 38 percent of survey respondents using them for this purpose.

“Home renovation, historically, has been the number one use of HELOCs,” says Kinane.

“Customers have taken advantage of a confluence of higher home values and low mortgage rates, and CONTINUED ON PAGE 3

Sunday, Nov 13, 2016

The Gazette · springshouses.com

SH 3

SPOTLIGHT: CONTINUED FROM PAGE 1

inviting foyer with cherry wood floors that continue to the left into a formal dining room with a coved ceiling and onward into the kitchen. The kitchen is adorned by tasteful maple cabinets, a cream center aisle, walk-in pantry and slab granite countertops. The stainless kitchen appliances include a stove with six gas burners and griddle, a refrigerator, warming tray, microwave and dishwasher. There is also a second cabinet area that has a second sink and a wine cooler. Adjoining the kitchen is a casual dining area filled with natural light from a bay of windows that leads out to a delightful partially covered composite deck.

The focal point of the main level is the great room, which features a peaked ceiling, and a floor-to-ceiling stone fireplace with gas logs and crown molding. The warm and inviting master suite is carpeted and features a stone fireplace with gas logs, a ceiling fan, picturesque views and access to the composite deck. The oversized master bath is embellished by raised dual vanities with slab granite countertops, travertine tiled floors, a granite shower, jetted tub with granite surround and

a water closet. The master bath also offers remote controlled window shades. Off the bath, is a large, oversized walk-in closet with custom built-ins.

The main level also houses a laundry room that leads to the garage, with travertine floors and an included washer and dryer; as well as a powder room with a cherry wood floor, slab granite countertops and cream vanity.

A handsome staircase accented by large windows brings an abundance of natural light into the walk-out lower level. Here there are four bedrooms, one of which is currently used as an office. All of these bedrooms have generous walk-in closets, ceiling fans and windows looking out to the beautiful pines. Two of the bedrooms are suites, each with a private bath with a tiled travertine floor and countertop. The other two bedrooms share a spacious bath. The focal point of the lower level is a recreation and living room that offers a stone fireplace with gas logs, ceiling fan, wet bar and two sets of French doors that access the lower level patio.

The wet bar has travertine countertops, travertine floors, a microwave and a

refrigerator. Also on the lower level is a utility room and storage room that can be converted to an exercise room or home theater.

The finishing touches to this exquisite and cozy home include a sprinkler system, security system, ceiling speakers, central air and forced air heat with two furnaces. The HOA includes

snow and trash removal. The private and gated luxury home community features more than 33 acres of greenbelt and open space, eight miles of trails, two fishing ponds and a spacious community lodge. The lodge is utilized for various community events such as an annual wine tasting party, monthly happy hours, holiday parties, a summer

barbecue, community meetings and private events. Located in the highly regarded Lewis Palmer District 38, the school enrolls approximately 5,800 students. Also nearby is Memorial Hospital North and St. Francis Medical Center. This is the ultimate home for anyone looking for a sublime balance of peace and accessibility. ■

Featured Houses

7 LESSONS:

CONTINUED FROM PAGE 2

stayed in their homes.”

“Consumer confidence in home values wasn’t there for a number of years for customers to borrow to improve their home,” he continued. “We’re starting to see that confidence again, with higher home values, more customers staying in their houses and low rates. We don’t see that changing anytime soon, but we do see more HELOCs being taken out down the line because of rising home values and people staying in homes longer.”

Home renovations can increase your home’s value, and thus your home equity as well. Plus, with guidance from your lender, you can then get flexible, convenient refinancing when your HELOC resets. In fact, according to TD Bank survey data,

26 percent of respondents intend to refinance their HELOC at the end of the draw period.

Economic signs are almost always open to interpretation. There are trends that could be taken as troubling, but they could just as easily be turned in your favor. What’s needed to fend off the lingering effects of the housing crisis is having a clear picture of your finances, and your lender can help you do just that. ■ GOBankingRates.com is a leading portal for personal finance news and features, offering visitors the latest information on everything from interest rates to strategies on saving money, managing a budget and getting out of debt.

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Agent/Company: Lenka Martin, (719)761-1621 For more info: Lenka@LenkaMartin.com

4 bdrms/3baths/3 car garage/ 2132 total sq ft Two story home with finished basement. Built in 2001, this home is surprisingly spacious with plenty of storage throughout. Open kitchen with island and dining nook which walks out to back yard with mature trees. Good size master bedroom with walk in closet and 5pc master bath upstairs along with 2 additional bedrooms and bath. Finished basement with bed, bath and rec room. Additional features include great room with fireplace, railing at stairs, Air conditioning. Home is part of established neighborhood with parks, and open spaces, community pool, splash park for kids, tennis, basketball park; part of D11 schools and low HOA dues. Easy access to Powers/Woodmen corridor, close to shopping, entertainment, medical centers and more.

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16075 Winding Trail Rd. | $1,100,000 Hours: Sunday November 13th 1-4 Neighborhood: High Forest Ranch Driving Directions: From Hwy 83 and Baptist Rd. head south on 84, left on High Forest Rd., left on winding trail.

Agent/Company: Ryan Graham 719.351.4014, The Platinum Group ryangrahamhomes.com

Majestic custom home in High Forest Ranch. Be greeted by a beautiful 2 story foyer and sweeping staircase. Entertain friends & family in your gourmet kitchen with all Viking Stainless Steel professional appliances. This home boasts 5 bedrooms, 7 baths and almost 6700 sqft of living space. Nestled into 2.5 treed acres. Gated community. All bedrooms have attached baths. 4 car garage. Dream basement w/kitchen, pool table, gym, steam shower, Jr Master Suite, and fully loaded Media Room! Beautifully landscaped w/multiple outdoor entertaining/relaxation spaces.

10162 Palisade Ridge Dr. | $625,000 Hours: November 13 1-4pm Neighborhood: Pine Creek Driving Directions: From Briargate Pkwy & Voyager Pkwy - Drive on Briargate Pkwy going east. Turn left (north) on Chapel Hills Dr. Turn right (south) on Promontory Peak Dr. Turn left (north) on Palisade Ridge Dr & follow to property on the left.

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Upgraded 5BD+Office/4BA/3CA 2-story w/breathtaking views, backing to golf course! Newly refurbished 600 sq ft deck & cascading Koi pond - a setting for year round enjoyment. Spaces incl: vaulted 13x9 foyer, formal dining w/butler’s pantry, formal living w/fireplace, 2-story great rm w/fireplace & built-ins, rich wood panel study w/architectural boxed ceiling & beveled glass French doors, gourmet kitchen w/eating nook, ML laundry, huge master suite w/panoramic views & fireplace, bsmt rec room w/wet bar & fireplace. Features: hardwood flrs throughout most of main lvl, 9ft ceilings, surround sound speakers all lvls, 6-panel doors, recessed lighting & customized master closets.

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Neighborhood: Black Forest Reserve Driving Directions: East on Woodmen Road to Meridian Road., North on Meridian Road to Black Forest Reserve Gated Entrance, turn right on Pole Pine after through gate, Second flag driveway on the right. 15625 Pole Pine Point. Gates will be open during open house times only. Not before or after.

Agent/Company: Dennis Weets, 719-338-9426

1148 SEABISCUIT | $459,990

Hours: 11/12 & 11/13 12-5 Neighborhood: THE FARM Driving Directions: I-25 to Interquest and head East to Voyager, Head North on Voyager to Ridgeline Drive and head West. Follow Ridgeline around to Seabiscuit and turn right- 1148 Seabiscuit is on your left at the end of the corner.

Agent/Company: ADAMO HOMES, 720-320-4959

Just completed and ready for Immediate Move In. Nicely positioned on almost 3 acres, in the Beautiful Gated Community of Black Forest Reserve. District 38 Schools, Nice Trees about a 4041 square foot finished 4 bedroom, with 5th bedroom or Study/office choice, Large 980 square foot 3 car garage, HUGE 1075 square feet of wrap around deck, with fireplace. Definitely a great entertaining component for this home. Even great place for outdoor living, off the front corner by the Study. Master Bedroom and 5 Piece Bath has large glass enclosed shower, and his and her walk in Closets.

Granite countertops throughout, with stainless steel appliances including refrigerator, and a large Laundry, Drop Zone area at garage entrance to home. This property also has plenty of room to place a considerably large size RV garage and workshop building.

Main level living at it’s finest! 4 Beds, 3 Bath Ranch Home! Enjoy 2 bedrooms on the main level w/ Elegant Master suite complete with 5pc Master bath, plus 2 more bedrooms in the basement. Enjoy the gorgeous Stone Archway at the entry & Kitchen Island, Granite slab countertops & Hardwood flooring in kitchen, large open great room, nook & entry, 12 x 24 tile in baths, Maple Espresso cabinets, raised vanities, Kitchens includes GE Stainless Steel Appliances including Refrigerator, Gas Fireplace w/ stone surround, AC, Finished basement includes 1 bedroom, 1 bathroom & large rec room for entertaining! 9’ ceilings allow for tons of natural light. Certified HERS rated ENERGY EFFICIENT HOME, 8’ Interior Doors on main level, Front & Rear Yard Landscaping & more!

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12525 Woodlake RD | $450,000

Hours: Sunday, Nov. 13, noon-3:00 Neighborhood: Black Forest Driving Directions: From Meridian Rd, E. 1 Mile To Woodlake Rd (Between Woodmen Rd & Hodgen) Agent/Company: Jerry R. Clark, 719-761-0171 RE/MAX Advantage

Amazing 2-Sty Hot Tub Room In This 4 Bed, 3 Bath, Finished 3 Car Garage, 3,360 Sq. Ft Home On 5+ Acre Horse Property Located At The Edge Of Black Forest! Stucco Exterior, 9 Ft. Vaulted Ceilings & Central Air! Stunning Living Rm w/Attractive Gas Fireplace! Main Level Office! Every Bdrm Enjoys A Walk-Out To A Deck Or Patio In Back! Deck On Main Level & Patio On Ground Level! Arched Doorways In Home! Arched Doorways Lead To Dining Room Which Overlooks Hot Tub Room On Ground Level! Mstr Suite Has Adj. 5-Pc Bath & French Doors To Unique 2-Sty Hot Tub Room! Very Nice Kitchen Has Tiled Floor, Granite Counters, Gas Range, Backsplash & Pantry! Relax On Your Deck & Enjoy The Quiet & Views! Near Hiking & Horse Trails & Borders Black Forest! Full RV Hook-ups.

6709 Maple Stone Ln | $299,900

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Agent/Company: Bob Smith, 719 661-1377 HomeSmith Realty Agent

All the amenities of Banning Lewis Ranch for your enjoyment. This 2 story home with over 3200 sq. ft. features 4 bedrooms, 3 baths and 2 car garage. All bedrooms are on the same level. The big master bedroom includes an attached bath and large walkin closet. The Great Room with Family Room, Dining and Kitchen is open and bright with high ceilings. The Kitchen includes center island, granite countertops,glass tile back wall, all black appliances, gas range and large walk in pantry. Unfinished basement ready future expansion.

4SH

The Gazette · springshouses.com

Sunday, Nov 13, 2016

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Careers The Gazette · springshouses.com

SH 5

3 sure-fire tips to help you land a job after you’ve served

BY LILY MARTIS  MONSTER.COM

Although roughly 200,000 service members leave the military each year, “easy” is not likely a word any one of them would use to describe the transition from military to civilian life.

In January 2011, the veteran unemployment rate reached an alarming post-9/11 high of nearly 10 percent. And while things have gotten easier — with veteran unemployment at 5.8 percent in 2015, according to the Bureau of Labor Statistics — that’s still higher than the overall rate of unemployment in the U.S., averaging out to 5.3 percent, in the same period.

And the 2016 Monster Veterans Talent Index (VTI) indicates that the challenge has by no means been solved. The VTI, which provides insights and analysis from veterans, recruiters and hiring managers, found that while 56 percent of veterans feel extremely confident about finding a job, a greater 62 percent still feel that hiring managers and recruiters do not understand their skills and experience.

Monster spoke with Greg Smith, president of Military.com and a retired member of the Navy, to get some easy tips to help you land a job after you leave the service.

START PLANNING NOW

You don’t want to wait until after your service is over to start thinking about what you want to do for the rest of your life.

In the 2016 VTI, 39 percent of veterans said they were still trying to figure out what they want to do for a career. Smith says that not having a focus on what comes after military life could result in some frustration in landing your first job out of uniform, which is why it’s important to explore what jobs are out there and what skill sets are needed to transition into the civilian workforce.

Start this process a year before you are ready to exit, says Smith, to give yourself time to research career fields, network and decide where you’ll live.

Another reason to start early is that you may need more education to get where you want to go. Fortunately, as a service member, you have a unique opportunity to start a new career with education and training available through the GI bill.

You should also evaluate your strengths and weaknesses honestly, Smith added. And don’t shy away from the skills you gained in uniform; embrace them.

Leveraging those skills, your experience and some networking, Smith recommends “possibly taking an entry level position to get your foot in the door with a company you judge as providing you the opportunity to grow.”

MARKET YOUR MILITARY TRAINING

The good news is: Employers want you. The VTI found that the top two reasons employers hire veterans is either because of the work experience they gained in the military or simply because they were the best-qualified candidate for the job. Then again, some companies hire veterans purely out of patriotic support.

Either way, when you upload your resume on Monster, your veteran status is one thing you definitely don’t want to leave out.

Also, keep in mind that you gained uniquely valuable skills and experiences in the military.

According to the VTI, the top soft skills employers felt veterans bring to a civilian job are the ability to communicate, attention to detail, self-discipline, teamwork and confidence. Play these skills up!

TRANSLATE YOUR MILITARY SKILLS

One of the toughest biases you’ll have to overcome when sitting down with a potential boss, Smith says, is that you are more than one-dimensional.

You can escape this misperception by highlighting your leadership of people, programs and process, focusing on the diversity in each of these areas.

Another thing you definitely want to do is strike the military jargon from your materials and conversations. In the study, 56 percent of employers said they want more detail on a resume and 48 percent want a better translation of military skills into jobs.

Start with the Military.com skills translator. But Smith also recommends studying the industryspecific language the employer uses to describe the skills they are looking for and tailoring your resume to match it.

“The most important thing when building a resume is to customize it for the job sector and employer,” Smith says. “Don’t sell yourself short.

Find ways to highlight who you are instead of what you were.”

So instead of telling someone you were in charge of a squad of Marines, for example, Smith says you can put what you did into perspective by saying you led, trained and mentored a group of (how many) people who overcame the challenges of (what) and accomplished (what).

And even if you weren’t in a leadership position, Smith says every member of the military has some level of management experience.

“Teamwork is essential to nearly every employer,” Smith says. “Letting an employer know that you can learn new things, that you can adapt to everchanging environments and that you are personally committed toward a goal are strengths to include on your resume and to present at an interview.” ■

Although roughly 200,000 service members leave the military each year, “easy” is not likely a word any one of them would use to describe the transition from military to civilian life.

Fall in love with your career.

If you’re ready to work where your time and talents matter, we encourage you to explore something new with Penrose-St. Francis Health Services. With two hospitals, multiple clinics, home health services and exciting plans for expansion, you’ll be part of a system that supports your career development and total well-being. Featured positions this week include:

Penrose Hospital – Colorado Springs • RN, Surgery Heart Team (Job 90190) • RN, CVICU/MICU (Job 83122) • RN, ER (Job 85550, 87185) • RN, Float Pool (Job 87141, 87161) • Echo Tech (Job 89910) • CNA (Job 87209, 87141)

St. Francis Medical Center – Colorado Springs • RN, ICU (Job 85510) • RN, NICU (Job 83020) • RN, Nurse Practitioner, NICU (Job 85503) • RN, ER (Job 86306) • RN, Patient Navigator, Ortho/Spine (Job 86634) • RN, Surgery (Job 85514) • Sterile Equipment Tech (Job 87481) • Polysomnography Therapist (Job 87982)

Due to continued growth within our Bank System, we are currently recruiting for several positions in both our CO & NE markets.

Currently in Colorado Springs, we have

Full & Part-Time Teller-Personal Banker positions available.

If you are a Positive, Initiative-Driven, Customer-Minded Team Player we want you on our Team!

Visit our website for a complete listing & description of positions.

www.abtbank.com and click on “Careers”

As part of the Centura Health family, you’ll enjoy great people, pay and benefits. Learn more about these and other opportunities at:

careers.centura.org Or call 800-390-4166 Positions featured here are full-time, part-time and PRN.

We offer an excellent benefits package & competitive wage.

SIGNING BONUSES APPLY!!

EOE

Centura Health is an equal opportunity, non-smoking/non-nicotine employer, M/F/D/V.

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The Trade Adjustment Assistance Program was created by the Trade Act of 1974. This program is available to workers who lose their jobs or whose hours of work and wages were (or will be) reduced as a result of adverse imports competition. The Trade Adjustment Assistance Reauthorization Act of 2015 covers all petitions that were filed on or after 01/01/2014.

The company listed below was certified by the U.S. Department of Labor. All eligible workers that were partially or totally separated from their work during the time periods appearing below will be mailed a written notice informing them of benefits that could be available to them. The notice will also include an explanation of how workers can apply for TAA benefits and services. If you do not receive a notice but appear to be eligible, contact your nearest Workforce center and speak with a TAA Counselor as quickly as possible. There are deadlines involved with this program. If you miss any deadlines, you may lose portions of the benefits available with this program. The company listed below has also been certified for the Reemployment Trade Adjustment Assistance (RTAA) program for older workers. If you have questions about this program, please call the Colorado Trade Act Office at 303-318-8940 or 1-888-6419106.

Petition Number 85137C

Impact Date 03/11/2013

90048

06/05/2015

Expiration Certification Company Date Date 10/16/2017 10/16/2015 LexisNexis, a subsidiary of Reed Elsevier, AELPO Team 08/02/2018 08/02/2016 Atmel Corporation

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Location Colorado Springs, CO Colorado Springs, CO Colorado Springs, CO

Published in Colorado Springs Gazette November 13, 2016

we’re looking for highly motivated INSIDE SALES AND CUSTOMER CARE PROFESSIONALS to join us at our Colorado Springs campus and take their careers to the next level.

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