The following is an Op Ed piece from Kimber Lanning Published in the Downtown Phoenix Journal.

I really encourage y’all to read this and share it. Kimber is leading the discussion about how we need to protect our local businesses and how we need to reform our out-dated tax structure. The more we let on-line retailers get away without paying their fair share, the more we shift the tax burden to you and me.

Please read and share!!

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We are surrounded by small businesses in Downtown Phoenix, and we know much of Downtown’s success rests on the shoulders of these business owners. As we survey the current economic climate, it is critical to understand the impact a national retailer can have on the health of our local economy. Kimber Lanning, founder and executive director of Local First Arizona, provides insight on the ramifications of the current sales tax impasse between the State of Arizona and Amazon.

Last week at the Arizona State Senate subcommittee hearing Don Isaacson, the lead attorney for Amazon, took the podium to make the case that economies change over time. “We all remember the days of mom and pops,” he said, “and then there were the days of the big box retailers….” I surmise this to be a very honest glimpse into the world vision Amazon holds, but what does it mean for Arizona?

For the moment, let’s forget the fact that there are over 40,000 independent businesses operating in Arizona today, with a payroll of around 21 billion per year, and let’s focus on our state’s economy and what would be left of it if Amazon’s vision becomes reality.

Read the rest of the story here.

Arizona is a beautiful place full of fantastic neighborhoods and if you’re moving here, you’ll probably need a little help deciding what community is right for you.

Jeannie Bolger and I have created a guide for new home buyers with links for information about schools and attractions for different parts of the valley.

This guide will be really handy for people moving in to phoenix neighborhoods or for companies to have on hand for their employees.

If you know of somebody thinking to move to Phoenix, or a company that is expanding in Arizona, please share this resource with them.

Download it here and keep it on hand in your office. Ken Clark’s Relocation Guide

Of course, Jeannie and I are just a phone call away if you need anything.

Credit can be confusing. It’s this strange, omnipresent score board of your financial decisions that determines whether you’re a smart financial risk for lenders. But don’t worry. Having a little knowledge on your side will make sure that you’re putting your best foot forward when it comes to raising your credit score.

Did you know that the credit score you may have purchased from one credit bureau isn’t necessarily the one that your mortgage lender, credit card issuer or auto loan originator will see? There are several different credit scores, even within the same credit bureau. Each of the three credit bureaus (Equifax, Experian and TransUnion) has its own proprietary credit score. 

Luckily, a few years ago Congress required that each of these three agencies to provide you with a free copy of your credit score once a year. Call 1.877.3322.8228 or visit their website to get your score. Hint: they will try to get you to pay for your score, but don’t buy that line. As a lender told me once, the most accurate scores you get when you buy a house are the ones the lender pulls as these are a good indicator of where you are.

Sick of getting preapproved credit cards. You can tell the credit bureau to stop selling your credit information by calling 888.567.8622

Speaking of credit cards, your credit score can be negatively impacted by a late credit card or loan payment, but it can also be affected by less obvious actions. If you close an old credit card account, you’ll reduce your available credit and shorten the length of your credit history, which can negatively affect your credit score. Additionally, applying for new credit can be beneficial to your credit score, but it can also decrease your credit score due to a hard inquiry. Make sure to keep your current credit balance less than 35% of your overall limit

Secure credit cards are a great way to build you credit because you deposit what you spend in advance. Just make sure they report to all three credit bureaus. MidFirst Bank is a great local option for these cards.

Please call Jeannie Bolger, Sr. Loan Officer for more information.

Or call me for more information about the market: 602-456-9388.

I see it more and more everyday. The housing inventory in Phoenix is shrinking and buyers are looking to make offers and get approved as quickly as possible. But for new or first time home buyers the steps to approval can be foreign and slow down the process, which is the last thing you want in this market.

But have no fear! Jeannie’s here!

It’s important as a home buyer to get pre-approval to expedite the process. In short: you want to have a pre-approval letter in hand before you even step foot in a potential home.

Now don’t get confused between pre-qualification and pre-approval.

A mortgage loan pre-qualification is simply an estimate of how much house you can afford and how much money a lender would be willing to loan you. This can be done over the phone in 10-15 minutes by providing information on your income, assets, debts, and a potential down payment amount.

A pre-approval takes more time, but can be just as easy. Getting pre-approved means that you have a tentative commitment from a specific lender for mortgage funding. You provide a home loan lender  with all that fun financial information you probably keep in a drawer in your house (tax returns, pay stubs, assets, debts, etc.) They will run a credit check and work to verify all your employment and financial information. Jeannie can take care of this with you in about an hour in her office.

In the house-buying process, the benefit of being pre-qualified or pre-approved is twofold. Not only do you have the added comfort of knowing what you can afford, the seller may also accept your offer over another if you are pre-approved and the other party is not.

So what are you waiting for?! Please call Jeannie Bolger, Sr. Loan Officer for more information.

Or call me for more information about the market: 602-456-9388.

These piñatas are for viewing not for whacking. Let’s just get that out of the way first.

Otherwise, attention artists, non-artist, children, adults, people who love candy, and community members at large! The annual Mutant Piñata Show is back and I encourage all of you to enter your best piñata for the ultimate grand prize of having your work displayed to the local Phoenix community to view. The Bragg’s Pie Factory is hosting the ever so popular annul Mutant Piñata Show for the 5^th year now.

This exhibit is to display the creativity that lies within Phoenix; the exhibit will be comprised of whimsical and wacky piñatas created by locals. If your work is sold, you will receive 70% of the purchase price. Come down to the Bragg’s Pie Factory the first and third Friday of March and April to see this vivid spectacle for yourself, the best part is there is absolutely no entry cost so the more the merrier. Last year there were over 100 entries and the Bragg’s Pie Factory is hoping to exceed that number this year.

All entries must be in by March 1^st, 2012 so start getting in touch with your inner piñata artist and spreading the word to your friends and family.

We all know how important downtown growth is for our economy. As you can probably tell from this blog, I’m a big fan of Green Vendors and sustainable growth downtown (even if the term “green” has been around more than Kim Kardashian).

This image is from 2010 Green Build Conference. I just wanted to show off that I met Ed Begley Jr. Yep, I'm a total renewable energy dork.

Well, if your a pro-environment, sustainable vendor in the city of Phoenix, Green Team is pleased to present the Green Vendor Showcase of Opportunities on Feb. 9

This event is a chance for vendors to work with the city’s EPP Program as well as get one-on-one interaction with some of the city’s department big wigs and discuss new opportunities for the city to make greener choices. And better yet, there’s no cost to participate! But you have to work fast. Vendors need to register but January 31st, (as in tomorrow!) by the end of business hours at the office of Environmental Programs. You can Call 602-256-5669 to register and ask any questions.

Want to just stop by and see whats new in the world of sustainability? Well, you can check out the first annual “We Love Green Vendors” showcase on 2/9 from 9:30-11:30 am in the atrium of Phoenix City Hall, 200 W. Washington St.  The event is free!

Y’all might remember my listing at 90 West Virginia. It is the 1930s Fairhope School, newly renovated to a 4,100 square foot home. This is the flagship property in the famous Willo Historic Neighborhood.

Here is the original blog post about it.

Well, the price has just dropped to $750,000! This is an incredible price for a luxury home of this historic significance and quality. This home was awarded best historic restoration of 2009 by the Phoenix New Times.

Stay tuned for notices about open houses. We don’t open this house to the public often, so please drop by to see it!

Mix 60% road race and 40% Joseph’s Technicolor Dream Coat (minus Donny Osmond) and what do you get?

The Color Run!

This weekend, just a hop and a skip from downtown phoenix,  the annual Color Run 5k will be happening in Tempe.

Don’t worry non-runners, the 5k is a fun run for all levels of athleticism. Runners will receive custom Color Run race shirts, a bag of Color, race number, “Color Runner” finisher sweat band, donation to local charity, and Sponsor Goodies. There’s only one rule, wear white. Why? Oh because you get covered in paint along the way! Each kilometer of the event has a designated color.   As the runners/walkers hit the KILOMETER COLOR ZONE, they will be dusted with COLOR.

Don’t worry, it’s for a good cause. All the proceeds from the 5k go to Cardon Children’s Medical Center in Mesa. After you cross the finish line you be invited to a post-5k party with bands, food, and more. Non-runners can join too, but be warned, there’s a good chance of walking away covered in paint dust.

The annual Color Run is going down at Tempe Beach Park in Tempe, Arizona on Saturday, 28 January 2012.

Insert “woe is me moment”: I’m soooo bummed I can’t run this. I’m still nursing an injury from my Grand Canyon run in November!

Good News for home owners in distress!

And by “Good News” I don’t mean some shady scheme to short sell your house to an off-shore corporation in the Caymen Islands.

Fannie Mae is introducing an Unemployment Forbearance program which provides assistance to borrowers dealing with unemployment.

These loans will allow the borrower to receive a reduction or suspension of their monthly mortgage payment for a specific period of time and will prohibit services from foreclosing on your property.

A mortgage loan is eligible for an Unemployment Forbearance if all the following criteria are met:

• The property cannot be vacant, condemned, or abandoned.
• The mortgage loan cannot be an FHA, VA, or Rural Housing mortgage loan.
• The property must be a principal residence. Second homes and investment properties are not eligible.
• The borrower may be either delinquent or default is reasonably foreseeable.
• The borrower must have a financial hardship due to unemployment.

The Forbearance will be canceled if:

• Any of the eligibility criteria and terms stated above are no longer met.
• The borrower advises the servicer that he or she has become employed or is no longer actively seeking employment.

If you need more information contact Jeannie Bolger with Nova Home loans.

For those of you unable to attend last nights sustainability event downtown, you missed out on a panel of exceptional experts, conversation, and ideas to benefit our city.

The George Washington Carver Museum and Cultural Center was filled with almost 400 community members. The forum was filled with heated debate but after all was said an done, the panelists encourages more community and individual involvement to reach solutions.

So What can you do? Well here are a few ideas:

• Install Solar panels – A great way to take advantage of the Arizona Sun and cut down on energy usage. This can be a pricey investment, but with incentive programs and leasing options, it is worth it in the end and may add value to your home.
• Green Remodeling and Demolition – looking to fix that fixer upper? A local green demo and remodeling service for residential homes can be a great way to make a green friendly decision.
• Green Landscaping – You don’t need to be a botanist to know your lawn needs water to survive in Arizona. Choose plants that thrive in our climate or find an ecofriendly landscaper to find them for you.
• Use a Paperless system at your business – If every U.S. home received and paid its bills online, annual greenhouse gas emissions would drop by 2.1 tons. Seriously
• Unplug electronics, battery chargers and other equipment when not in use – Taken together, these small items can use as much power as your refrigerator.
• Bring reusable bags to do your grocery shopping. – Or bring your old plastic bags to the store, they’re not helping anyone under your sink. Some stores even give you 10 cents off your groceries for every bag you bring.

So get started today! And check out the Environmental Sustainability Programs Phoenix had developed to help us become one of the country’s leaders in sustainability!