6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Response Mortgage ranked 8th in the nation
Bellevue-based Response Mortgage Services, a subsidiary of John L. Scott Real Estate, was recently ranked the eighth most productive in-house mortgage brokerage in the nation by REAL Trends. The annual REAL Trends 500 Report is highly regarded throughout the real estate industry and is considered the ranking standard by most real estate and mortgage companies in the nation...   (Full Article)
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Gig Harbor may cut
community development director job
The city of Gig Harbor may eliminate its Community Development director position by the end of this year, if the city council goes along with a recommendation by city administrator Rob Karlinsey. The job was created about five years ago under the direction of former administrator Mark Hoppen, and was hailed by the city at the time as a way to enhance customer service by creating better communication between the city’s planning and public works departments...   (Full Article)
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Construction of demonstration
LID project gets underway
By Rodika Tollefson
The Home Builders Association of Kitsap County (HBA) began construction in May on its low-impact development project that will incorporate several techniques, including pervious pavement, a rain garden (or bioretention cell) and a roof garden. The HBA is receiving about $125,000 worth of donated labor, services and materials for the project...   (Full Article)
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
CFA’s Carolyn Frame once again
one of top 200 lenders in the nation
CFA Northwest Mortgage Professionals announced that Carolyn Frame, CFA’s president, was named by Mortgage Originator Magazine as one of the top 200 individual loan originators in the nation for the year 2006. Mortgage Originator’s annual list is the industry’s most comprehensive review of individual performers...   (Full Article)
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Senior Real Estate Specialists trained
to work with mature clients
By Rodika Tollefson
For seniors who have lived in the same home for many decades, their house may be the biggest investment, along with holding a big sentimental value. They not only have unique real estate needs, but also require a different approach to building a relationship and trust. Mature consumers who are looking for extra assurances that they are working with a credible and knowledgeable Realtor may want to consider finding someone who has the SRES (Senior Real Estate Specialist) designation...   (Full Article)
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
OfficeMax slated for College Marketplace
Another national retailer has set its sights on Poulsbo — office supply store OfficeMax...   (Full Article)
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Silverdale design guidelines approved
The Kitsap County Board of Commissioners approved design guidelines for downtown Silverdale in May. The guidelines include seven different districts between state routes 3 and 303. Because of the similarity of the proposed regulations for most of the districts, some county planning commissioners strongly advocated simplifying the process by only mandating four design districts...   (Full Article)
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Prowse donates to Lions and WSU Foundation
Brenda Prowse, broker and owner of Prowse and Company Real Estate in Poulsbo, recently donated $984 to the Poulsbo Noon Lions Club and $1,248 to the Washington State University Foundation on behalf of her client and Lions Club member Karl Ostheller and his wife Pauline, who recently purchased and sold homes through Prowse & Company.

Prowse presented the donations to Ostheller at the Lions Club’s weekly meeting on May 17. Prowse and Company is proud to support the Lions, who do much to improve our community, as well as to support higher education programs at Washington State University.

6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Miles Yanick & Company selected
to design The Village Green in Kingston
Bainbridge Island Architectural firm Miles Yanick & Company has been selected by Kitsap County Facilities, Parks & Recreation to prepare the design development for the Kingston Community Center and Village Green which will be located between Lindvog Road and West First Street on West Kingston Road.

The project will include a 20,000 sq ft Community Center including a Boys & Girls Club, gym, multiple use areas, underground parking for 60 cars, a 7,000 sq ft Kingston Branch of the Kitsap Regional Library, a 40-unit Senior Housing building sponsored by the Kitsap Consolidated Housing Authority, tennis courts, ball field, community green, walking/jogging trail, picnic shelters, water features and a children’s play area.

6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Park Shore celebrates 25 years
with Coldwell Banker
Twenty-five years ago Park Shore Real Estate became the first Washington real estate firm to join the Coldwell Banker franchise network. Later, Bill Herdman Real Estate, another well-respected South Kitsap firm, merged to create the “New” Coldwell Banker Park Shore Real Estate. “Many successful associates throughout Kitsap can trace their beginnings back to our organization,” say Broker/Owner Randy Smith.

“Through the support and dedication of companies such as Park Shore, Coldwell Banker Real Estate Corporation will continue to dominate the real estate industry as a provider of innovative, cutting-edge products and services,” says Jim Gillespie, President & CEO of Coldwell Banker Real Estate Corporation.

Reach Coldwell Banker Park Shore Real Estate at 360-871-2332.

6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
American Marine Bank welcomes Craig Dorr
American Marine Bank (AMB) recently welcomed Craig Dorr as its new mortgage production manager. He will be working from the Silverdale office managing mortgage production efforts in all of AMB’s ten markets.

Dorr has over 15 years of mortgage lending experience. He comes from KeyBank where he was a senior mortgage advisor. He also served as a title examiner and marketing representative

6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Kitsap Garage Door expands to new facility
After spending 30 years operating out of Old Town Silverdale, Kitsap Garage Door has opened a new showroom at 7745 ElDorado Blvd NW. The new location features plenty of parking and the showroom displays Clopay garage doors and Liftmaster openers. A map is available at wwww.kitsapgaragedoor.com or by calling 360-692-0849.
6-4-2007
SPECIAL REPORT - KITSAP PENINSULA REAL ESTATE
Creative Countertops moves into expanded digs
Creative Countertops, Inc has moved to a new location, 22285 Stottlemeyer Road, on the corner of Bond Road and Gunderson Road. Along with moving, owner Bill Wyman has doubled his employees from four to eight and has a new “state of the art” Granite Bridge Saw.

The new 3,600 square foot building has a separate granite and Corian shop next to a large showroom with 27 display tops and two shower surrounds. Wyman said, “At our new facility we now have more room to display a great selection of quartz and solid surface.”

Creative Countertops, Inc is a large fabricator of Silestone, Caesar Stone, LG Viatera, Han Stone, Zodiaq quartz surfaces as well as, Corian, Avonite, LG HI-Macs and Staron.For more information call (360) 598-3106 or visit www.creativecounters.com.

5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Building banking relationships
can only benefit your business
By Maura Hallam Sweley
Businesses need banks, there’s simply no way around it. From checking accounts to lines of credit to business loans, banks provide a vital financial service to all small business owners...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
A round-up of Kitsap Peninsula Banking
Institutions and Branch Locations
1st Security Bank of Washington www.1stsecurityofwa.com (800) 683-0973 Poulsbo Branch 19519 7th Avenue NE (360) 779-4488...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Jim Carmichael:
Kitsap Bank’s success is the community’s success
By Rodika Tollefson
Port Orchard-based Kitsap Bank, founded in 1908, remains one of the biggest and oldest community banks in Washington State. The institution has seen record growth for the past few years, including several acquisitions...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Payday lenders slapped
with over $1.2 million in fines
Zippy Cash and Advance Til Payday facing industry ban
In the state’s largest payday lending enforcement action, the Department of Financial Institutions (DFI) filed charges against payday lenders, Advance Til Payday and Zippy Cash. Among the numerous allegations of misconduct, the payday lenders made over 400 loans in excess of the state’s $700 maximum loan limit...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Washington CASH helps aspiring
entrepreneurs follow dreams
By Rodika Tollefson
Not long ago, Jill Paull was an unemployed single mom on welfare, unable to pay for basics like a phone bill. Today, this Bainbridge Island resident is living what for some people is part of the American Dream — she owns a successful business that not only provides a full-time income for her but also employs two part-timers...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Mortgage lending:
It’s business mostly as usual
By Maura Hallam Sweley
The recent spate of news stories about mortgage companies collapsing under the weight of failing subprime loans has been a cause of great concern for many. What, people wonder, does that mean for the mortgage industry as a whole...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Can you benefit from municipal bonds?
By Ron Rada
You’ve made it through another tax season. If you got a refund, you might be pretty satisfied with how things turned out. But if you’d like to see a somewhat different outcome in 2008, you may want to review all areas of your tax return, including your investment-related taxes. As you may know, some investments are more “tax-friendly” than others are — and municipal bonds might be some of the friendliest ones of all...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Frontier Bank announces
Western Region promotions
Gary Winter has been promoted to senior vice president and western regional manager at Frontier Bank. He will oversee the seven branch locations on the Olympic Peninsula...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Governor signs licensing of Internet
payday lenders law
Governor Gregoire has signed into law the Department of Financial Institutions (DFI) requested amendments to the payday lending law. Included among a number of new enforcement provisions is the requirement that online payday lenders be licensed before doing business in Washington...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
KeyBank surpasses $1 billion
in lending to women
Near ly $61 million loaned to women-owned
businesses in the Puget Sound region
KeyBank announced recently that it has provided more than $1 billion in capital to qualified women-owned businesses through its Key4Women program, surpassing its 2005 pledge to lend $1 billion to women-owned firms by February of 2008. Having exceeded its goal nearly a year ahead of schedule, KeyBank also announced that it will continue to support the accelerated success of women-owned businesses by pledging another $2 billion in capital for this group during the next five years...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Tips for restoring your credit
Many businesspeople have faced a credit crunch at some time in the life of their company. In a down economy, when clients are paying slow — or not at all — the entrepreneur often uses his or her own personal credit to keep the business afloat until times get better. But if the slowdown lasts longer than reserves, and impacts your credit standing, that can be a serious problem...   (Full Article)
5-7-2007
SPECIAL REPORT - TECHNOLOGY & THE INTERNET
Computer hacking as a profession
More than 153 million data records of Americans have been compromised due to security breaches since January 2005, according to the nonprofit Privacy Rights Clearinghouse. In one of the more recent major incidents, TJX Companies Inc — parent company of TJ Maxx, Marshalls and other retail stores — was hacked, causing more than 45 million of credit and debit card numbers to be exposed, along with half a million merchandise return records that contained driver’s license numbers...   (Full Article)
5-7-2007
SPECIAL REPORT - TECHNOLOGY & THE INTERNET
Private sector missing telework
opportunities and benefits
Federal agencies have out-paced private sector employers by a three-to-one margin when it comes to allowing teleworking, according to a new survey by the CDW Corp., which sells computer hardware and software...   (Full Article)
5-7-2007
SPECIAL REPORT - TECHNOLOGY & THE INTERNET
The iPhone is coming! The iPhone is coming!
Yea!!!
By Maura Hallam Sweley
Mobile phones represent one of the most competitive technology markets — and that market is about to get even more cutthroat, with the imminent arrival of iPhone, by technology giant, Apple, Inc...   (Full Article)
5-7-2007
SPECIAL REPORT - TECHNOLOGY & THE INTERNET
Offshoring in IT —
Business office and services means job losses
Growth in the offshoring of information technology, business office, and other service-providing occupations will cause the loss of an estimated 2.4 million jobs in some 250 U.S. cities between 2004 and 2015, according to a report released recently by the Brookings Institution...   (Full Article)
5-7-2007
SPECIAL REPORT - TECHNOLOGY & THE INTERNET
Olympic Printer Resources
recycling electronic waste
You know you can’t just dump that old computer monitor in the office dumpster any more to be carted off to a landfill somewhere never to be seen again. So what do you do? The answer is to call Kingston’s Olympic Printer Resources, Inc. The firm has been remanufacturing printer, fax and copier cartridges since 1993, and recently teamed with EcycleNW to recycle electronic waste...   (Full Article)
5-7-2007
SPECIAL REPORT - TECHNOLOGY & THE INTERNET
Leadership class connects seniors
with recycled computers
By Rodika Tollefson
Brennan Dobbins recalls the excitement of her family when she took one of her outdated computers and “recycled it” by sending it to her parents, complete with instructions. “I thought, it’s such a wonderful thing for elders to get into,” she said...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Washington Federal announces Q2 earnings,
declares 97th dividend
Washington Federal, Inc., parent company of Washington Federal Savings, announced earnings of $33,483,000 or $.38 per diluted share for the quarter ended March 31, compared to $36,340,000 or $.42 per diluted share for the quarter ended March 31, 2006, a 7.9 percent decrease in earnings. For the six months ended March 31, earnings were $66,867,000 or $.76 per diluted share, compared to $72,486,000 or $.83 per diluted share for the six months ended March 31, 2006, a 7.8 percent decrease in earnings...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
AMB declares 3-for1 stock split
The Board of Directors of AMB Financial Services Corporation, the holding company for American Marine Bank, has approved a 3-for-1 split of the Company’s common stock. Each shareholder of record at the close of business on April 30 will receive 2 additional shares for every outstanding share held on the record date...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Evans joins Peoples Bank
as real estate loan rep
Patti Lawson-Darling, assistant vice president and real estate loan manager for Peoples Bank, announced that the bank has hired Rita Evans as real estate loan representative at the Bank’s Silverdale Home Loan Center located at 10516 Silverdale Way NW in Silverdale...   (Full Article)
5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Olson joins Kitsap Bank
Emily Olson has joined Kitsap Bank as assistant vice president and assistant controller. Olson is a graduate of the University of Washington, with a B.A. in business administration and concentrations in accounting and finance. She comes to Kitsap Bank with seven years of banking experience, two in auditing.

Anthony George, Kitsap Bank’s chief financial officer notes, “Emily’s experience in auditing and extensive knowledge in banking makes her uniquely qualified for this position. We are pleased to welcome her to the Kitsap Bank team.”

5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Evans changes name, expands business
Samantha Evans recently expanded her business and changed the name. Now known as Idearama Payment Solutions Inc, she continues to be a business partner of Total Merchant Services and additionally is a registered distributor for AccessATM, Inc.

Idearama Payment Solutions is able assist businesses with merchant services, check guarantee, point-of-sale systems, ATM placement and gift cards.

For more information, call (360) 536-1511 or email admin@idearama.com.

5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Venture Bank declares
33rd consecutive dividend
On April 18, the Board of Directors of Venture Financial Group, Inc., parent company of Venture Bank, announced that a cash dividend of eight cents per share would be payable May 11, to all shareholders of record as of April 30.

The dividend is the thirty-third consecutive quarterly dividend to be paid to shareholders. Venture Bank, operates 17 financial centers in four western Washington counties, including two branches in Gig Harbor.

5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Stern earns Certificate of Municipal Leadership
Poulsbo city councilman Ed Stern, whose day job is that of inverstment advisor with Piper Jaffary, recently received a Certificate of Municipal Leadership (CML) from the Association of Washington Cities (AWC) for completing over 30 hours of training.

The CML program is designed to enhance the ability of elected municipal officials, providing Washington mayors and council members with knowledge and skills required for effective governance.

The courses teach the essentials of municipal service and improve attendee’s ability to work with council colleagues, city staff, and citizens.

5-7-2007
SPECIAL REPORT - BANKING & FINANCE
Kyles joins Kitsap Bank
Kitsap Bank has announced that Jackie Kyles recently joined the marketing department as marketing assistant. Kyles comes to Kitsap Bank from Eastern Oregon University where she is in the process of completing her degree from in business administration with focuses in management, leadership and organization.

“We are very pleased to welcome Jackie to Kitsap Bank,” remarked Shannon Childs, senior vice president/marketing director. “Jackie’s skills complement those of the marketing department, and she shares our vision for promoting Kitsap Bank’s brand through our communications and involvement with our community.”