Friday, April 15, 2011

Go Green: What Shade of Green do you want your Home to be?

Color is such an expression of who someone is, and what message they want to send into the world. We can be bold, innocent, happy, sad, or just plain blah depending on the colors we use in our lives. So can our homes express themselves in color? I think so…..

Do you get giddy over a bold Kelly Green:
Francie Rehwald bought 55 acres in Malibu, California and is building her new home out of a decommissioned Boeing 747 Jumbo Jet with the help of architect, David Hertz.

More Pictures & article here: http://www.shelterpop.com/2010/11/09/plane-home/

Or would you prefer a tradition Hunter Green:
Scottsdale, Arizona based Meritage Homes has brought green to traditional suburban living. Meritage Homes is the only top-10 homebuilder that’s 100% Energy Star qualified at no additional cost. All of the homes they build feature: Energy Star Certified appliances, minimum SEER 14, Low-E windows, low flow faucets, programmable thermostats, and low VOC paints and finishes.

Article here: http://www.earthtechling.com/2011/04/new-green-homes-come-to-texas/

How about an earthy Moss Green:
In Festus, Missouri there is a home that has been sold on eBay twice since 2003, but that’s not all that makes this modern home famous! It features a natural stone roof, 17,000 square feet of living space, and costs as much to heat and cool as a 2,000 square foot home. Oh, and it’s built into a CAVE!!!

More pictures & article here: http://dornob.com/huge-cave-house-unique-modern-underground-mega-home/

I know! Maybe you prefer a relaxing Sage Green:
This 3,500 sq. ft. San-Francisco adjacent hilltop home has a LEED Platinum certification, and feels as if you are in the quaintest of country cottages. SB Architects really focused their attention on not only making the environmental impact of the home as small as possible, but also on designing a home that would aesthetically be in partnership with the environment it was built upon.

More pictures & article here: http://freshome.com/2011/04/08/sustainable-residence-by-sb-architects-nestled-in-the-hills-of-mill-valley-california/

By: Gracie Mohr

Practical Prosperity: April 2011

Springtime is as good of a time to clean up your finances, as well as your home and yard. One piece that often gets overlooked even after extensive financial and investment planning, is your credit report and score. These are important pieces of your financial picture that can benefit from occasional monitoring.

You are entitled to a free credit report from the three reporting agencies once a year and can obtain this information at www.annualcreditreport.com. Here you will see your payment accounts and your status with each. Electric bills, parking tickets, credit card bills, home mortgages, and more show up on this report. Use this to check that no one has reported a late payment or unpaid balance this is incorrect. If something doesn’t look familiar, check it out to make sure someone hasn’t opened a credit account in your name!

Fair Isaac Corporation takes this information from the three agencies and creates your credit score or FICO score, which ranges from 300 to 850. This number will allow credit card companies, automobile lenders, and mortgage lenders to decide how much to lend you and at what interest rate. The score is based on a combination of your payment history, the amounts you owe, the length of your credit history, how many accounts you have recently opened, and the types of credit available to you.

The best rates on a loan or credit card are given to scores over 700, so it is important to know where you fall. Before applying for a loan, check your credit report and score. If something is incorrect, submit it http://www.blogger.com/img/blank.gifto the agency for investigation and get the issue corrected BEFORE applying for the credit.

If you are not going to be shopping for credit anytime soon, the annual check of the report should be okay for you, however getting your actual FICO score from www.MyFico.com is important if you are looking for a new car or home.

As a general rule, paying at least your minimum payment, on time, and restricting your credit balances to less than 1/3rd of the credit available to you, will keep your score high and your interest rates low. This means more money in your pocket and continued financial prosperity.

by Andy Pulsfort

The Journey to a New Building: Part 1

Over a year ago, we began looking for a new home for Mackey Advisors. If I had known how difficult this journey would be, I would have likely said, “I think I will pass.” The road to our new space has been filled with potholes, detours, missing map pieces and lots of orange barrels!

We have two goals. The first is to have a space that is simply large enough! We have grown, and subsequently become terribly cramped for space in our current location. We are short of conference room space and have people tucked into every possible corner. Our second goal is to occupy a space that is a living example of our brand.

The first objective was easiest to approach. Taking the number of people times the amount of square feet equals how much space you need. The second goal, creating a living example of our brand, has been a much more challenging task. Naturally, it requires that we have a fundamental understanding of our brand from the inside out.

We began the journey in Covington and Newport with two old and potentially beautiful buildings. We eventually chose not to pursue the one in Newport because it had the misfortune of being located next to a bar painted in the bright orange and black of the Cincinnati Bengals. We were all in agreement that this themed décor did not shout “Prosperity!”

In Covington we found an old bank building and decided to focus our attention there. Sadly, after investing much time and energy into the project we could not make the financials work on the building. Cost effectiveness and conscious spending are two components of Prosperity, so the bank building was soon off the table.

At this point we found ourselves going back to the drawing board. As we continued to look we found spaces that were too big and just as many that were too small. Like Goldilocks, we were having a difficult time finding one that was “just right.”

Unable to find a home in Covington or Newport, we began to broaden our horizons and the small community of Bellevue soon caught our attention. After looking at several buildings we stumbled upon one that, with an addition, would be just right. For the last few months we have been designing, attending public hearings, going through inspections, applying for financing and attending to the many details involved in making this building a new home for Mackey Advisors. If all goes to according to plan, we will be closing by this time next week! We will still have much to do, starting with demolition and ending with a complete remodel.

Along the weaves and turns, we also learned more about our brand, Prosperity. We have always known that Prosperity is more than just money, but usually we are looking at Prosperity from an individual point of view. Throughout this process we had the opportunity to look at it from a business and community point of view.

The building in Bellevue makes financial sense. While Prosperity is not just money, if the money doesn’t work, nothing else does either. With the financials handled, we looked at the larger picture. Prosperity for Mackey Advisors means convenience for our clients and being just off I-471 was a perfect location. Long term, as our clients continue to grow outside the region and our work becomes more Internet based, we know that the building will primarily serve our team.

As we looked at what our team needs to be prosperous, we knew we needed green space. Our new office will have two green spaces, a courtyard and a deck. We will also have a large break room and kitchen. All of the spaces will be designed around the idea that our team needs a place to gather, commune and relax.

We know that the next generation is our future, and they will want to live and work in walk-able communities. Bellevue is one of the few completely walk-able communities in our region.

At Mackey Advisors, we believe Prosperity is for everyone, not just for the well to do. Bellevue has $100,000 homes and $1,000,000 dollar plus condos. It is a community for everyone, from those recently setting out on their journey to Prosperity to those who have been on the path for many years.

Over the next few months we will post pictures so you can follow our progress on our web site and Facebook page. We will also post what the process teaches us about Prosperity along the way.

As always, we welcome your comments and encourage your feedback.

May prosperity invade your space!
Mackey