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Signs you’re really broke: American Express calls and says: “Leave home without it!�
TIDBITSÂŽ IS GOING BROKE
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by Kathy Wolfe No, Tidbits isn’t bankrupt! But every year, for a multitude of reasons, millions of Americans CONSTRUCTION 751-1392 file for bankruptcy protection. It’s not always LICENSED BONDED INSURED Mr. John Q. Public who does this – many times it’s celebrities who “had it allâ€? and lost it, or wealthy business magnates who made poor investment decisions. This week, we’re looking at some well-known people who have filed bankruptcy, sometimes more than once! • In 1989, actress Kim Basinger bought herself a town, Braselton, Georgia for $20 million with plans to develop it. A few years AnnGardner Gardner CPCU, Agent Ann Gardner CPCU, Agent Our great rates can save Ann Gardner CPCU, Agent Our CPCU, Agent Ourgreat great rates can save later, after accepting a film role for “Boxing Ann Our great rates can save rates can save State Farm Agent State Farm Agent you hundreds of dollars. State Farm Agent State Farm Agent you hundreds of dollars. * ** you hundreds of dollars. Helena,â€? she backed out of the movie. The &RÇĽHHQ $YH 6WH & you hundreds of dollars.* 2240 Coffeen Ave. Ste. C And the more you save with a State Farm And themore moresave youwith StateBankÂŽ Farm you save withitaa Farm AndAnd the the more a with State Farm car Sheridan, WY 82801 82801 Sheridan, WY studio promptly sued Basinger for $7 million. &RÇĽHHQ $YH 6WH & Bank caryou loan, the easier isState to get Sheridan, WY 82801 Sheridan, WY 82801 loan, it the is to get Bank car loan, the easier itenjoy iswheel to the get loan,Bank the easier it iswheel tothe geteasier behind and just 307-672-5815 Bus:Bus: 307-672-5815 behind the and just ride. Shortly after paying the damages, she filed Bus: 307-672-5815 Bus: 307-672-5815 behind theride. wheel and the enjoythe the That’s borrowing behind wheel and just enjoy enjoybetter. theride. ride. That’s borrowing better. for bankruptcy and abandoned Braselton. That’sTO borrowing better. That’s borrowing better. GET A BETTER STATE. CALL ME CALL ME ME GETTO TO FOR A STATE. TODAY MORE INFORMATION. GET A BETTER BETTER STATE. CALL • Singer-songwriter Willie Nelson made TODAYFOR FORMORE MORE INFORMATION. TODAY INFORMATION. headlines back in 1990 when the IRS seized *Potential savings may vary based upon individual circumstances. his bank accounts and real estate holdings as *Potential savings may vary upon individual circumstances. Consultbased your agent for more details. Consult your agent more details. 1303025 07/13 State Farm Bank, F.S.B.,for Bloomington, IL security for the $16.7 million he owed in un*Potential savings may vary based upon individual circumstances. *Potential savings may vary based upon individual circumstances. State Farm Bank, F.S.B., Bloomington, IL 1303025 07/13 paid taxes. Nelson had channeled his income Consult your agent for more details. into a tax shelter that the IRS had declared1303025 07/13 State Farm Bank, F.S.B., Bloomington, IL illegal. He took the bull by the horns and recorded a new album appropriately entitled “The IRS Tapes: Who’ll Buy My Memories?â€? to raise money to pay his debt, one he eventually paid in full.
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Page 2
Tidbits® of Sheridan and Johnson Counties Tidbits Presents the
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TO YOUR GOOD HEALTH By Keith Roach, M.D. --DEAR DR. ROACH: I enjoyed your informative article on spinal stenosis. I also have acute and chronic pain in my lower back. I am 75 years of age and have had vertebroplasty on seven vertebrae. I realize that my back will not be normal again. I am currently working with a doctor who uses osteopathic manipulation. He is suggesting prolotherapy in conjunction with the manipulation. I have tried the prolotherapy previously without any relief of pain. What is your assessment of prolotherapy therapy, or would you advise me to go to a pain clinic? The pain level in the lower back usually is about 6 or higher on pain scale of 1 to 10. I walk 3 miles every day in a grocery store using a small grocery cart. I am trying other exercises, even working on a balance ball. But it just does not seem to improve. I would greatly appreciate any advice you could give me. -- D.R. ANSWER: Prolotherapy is the injection of an irritant solution into a space, designed to stimulate healing and reduce pain. However, if it hasn’t worked for you in the past, it is unlikely to work for you again. On the other hand, some studies have shown prolotherapy to be modestly effective when combined with spinal manipulation. A pain clinic has several modalities available, including steroid injections and pain medications. Unfortunately, steroid injections have been shown to be ineffective in back pain that is due to spinal stenosis lasting beyond six weeks. It sounds like you are doing what you can with exercise. I think continuing with the manipulation and prolotherapy as a trial of six weeks or so is reasonable, and at that point you can continue if it begins helping. If not, you can try a pain specialist, as there are effective non-narcotic medications that may be of help, in combination with your continued exercise. However, I think that an experienced physical therapist may be able to guide your exercises more effectively. *** DEAR DR. ROACH: My husband drinks tonic water with quinine every day because he was told that it will help alleviate his leg cramps. He drinks as much as 1 1/2 quarts a day. Is that much safe? If not, what is a safe amount? -- D.V. ANSWER: Many people have found that quinine relieves leg cramps. However, the Food and Drug Administration banned sales of quinine for leg cramps due to unproven effectiveness and the possibility of side effects. Quinine in large doses can cause abnormal heart rhythms, blood problems and even organ failure. However, the amount of quinine in tonic water is quite small, compared with quinine tablets. One common brand has 17mg in a liter, so your husband is getting about 25mg. The quinine tablets formerly prescribed for leg cramps were 200mg. Toxic effects are unlikely at the dose in quinine water. Some people are allergic to quinine, in which case even the small dose in tonic water could potentially cause problems. Your husband can keep on as he’s been doing if he finds that it helps. *** Dr. Roach regrets that he is unable to answer individual letters, but will incorporate them in the column whenever possible. Readers may email questions to ToYourGoodHealth@ med.cornell.edu. To view and order health pamphlets, visit www.rbmamall.com, or write to P.O. Box 536475, Orlando, FL 32853-6475. (c) 2015 North America Synd., Inc. All Rights Reserved GOING BROKE! (continued): • Unpaid taxes do have a way of catching up with you. Just ask actor Nicolas Cage, who owed the IRS $13 million by the end of 2009. Cage wasn’t too wise with his $150 million fortune, purchasing an $8 million castle in England, where he never slept one single night, another castle in Bavaria, two New Orleans mansions, a $17 million home in Bel Air, and a $10 million Malibu beach house. A $7 million 40-acre private island near the Bahamas was followed up with a $30 million private jet to visit all his homes. Nine Rolls Royces were parked in his garage next to his Lamborghini and Ferrari, and 30 motorcycles. When Cage got in trouble, he began unloading his real estate, along with his cherished Action Comics collection that brought in a record $2.16 million. Lucky for Cage, he is still considered a Hollywood star who continues to land big roles, although most of his salaries go straight to his creditors. • Formerly a duchess married to Britain’s Prince Andrew, Sarah Ferguson ran up $8 million in debt from the time of her 1996 divorce until 2011. Ex-husband Andrew saved the day by loaning her money, and her creditors also agreed to take a smaller percentage of what was owed to them. The $10 million contract she signed as a Weight Watchers spokesperson may have helped out, too! • Musician MC Hammer found out that an overly-lavish lifestyle can backfire. In the early 1990s, Hammer had a net worth of more than $33 million. Within five years, he had accrued $14 million in debt and filed for bankruptcy. How did that happen? Hammer maintained a 200-person crew that cost him about half a million every month. He lived in a $30 million house with a 17-car garage, a bowling alley, and baseball diamond. He owned two private helicopters, luxury cars, airplanes, and a record company. • During his heyday, professional boxer Mike Tyson was bringing down $30 million for a single fight! His career earnings were somewhere between $300 million and $400 million.
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GOING BROKE (Continued): In 2004, he was $38 million in debt, with $17 million of that owed in back taxes. He owed $750,000 to seven different law firms, and another $300,000 for limo services. Although he blamed dishonest financial advisors, his spending habits included mansions, over 100 luxury cars, extravagant jewelry, a $2 million bathtub, a $410,000 birthday party, and pet Bengal tigers, which cost about $1,500 a day to feed. • How did NFL legend Terrell Owens burn through his $80 million career earnings? Part of it can be attributed to the more than $50,000 per month in child support payments he makes to four different women, three of whom have filed lawsuits against him. He also cites unscrupulous financial advisors, who led him into risky real estate investments. No matter what the reason, it took Owens less than 10 years to squander an amount that could have supported him comfortably for the remainder of his life. • Not everyone who’s gone through bankruptcy or Spring Gardens Basic Sewing financial troubles has been a big earner, nor have they all lived in our lifetime. President Abraham Lincoln declared bankruptcy in his 20s after his general store failed. When the store where Abe worked closed down, he saw an opportunity to open his own Basic Car Care store, buying out other stores’ inventories on credit. www.sheridan.edu/ce After going broke, he repaid all his creditors, a feat that took 17 years. At least three other U.S. PresiStart dents have filed bankruptcy – Ulysses Grant, William Date: Short Class Title: McKinley, and Thomas Jefferson, whose estate Mon3/17 Advantage in Retail: Retail Procedures ticello and its 120 slaves were auctioned off to pay 3/18 Spring Gardens: his debt. Seed Starting - BUFFALO • Mark Twain, author of Tom Sawyer and Huckleberry 3/23 Basic Car Care Finn made a series of unwise investments that lost a 3/24 Advantage in Retail: Employee Development great deal of money. The most notable was a typesetting machine, a mechanical innovation that was 3/24 Fiber Art: Crocheting to change the publishing industry. Twain invested 3/25 Fiber Art: Knitting $300,000 (about $8.2 million in today’s money) in the 3/25 Basic Sewing invention, but it was prone to breakdowns, and by the 3/26 Aging in Place: Traditional Customers time its flaws were corrected, it had been made obso3/31 Int. Excel: Scenarios and Solver lete by the brand-new Linotype. Some poor decisions 4/7 Int. Excel: Use as a Database at the publishing house he owned further depleted Scan for 4/11 CPR & First Aid - BUFFALO complete his fortune, along with a large part of his wife’s inherischedule! tance. An honest friend and financier advised him to 4/13 CPR & First Aid file for bankruptcy, then took charge of the remainder 4/13 Beading: Peyote Stitch of Twain’s money, while Twain continued writing and 4/14 Int. Excel: Pivot Tables lecturing. Although he wasn’t under any legal obliga4/15 Spring Gardens: Cool Season tion to pay off all his creditors, Twain paid each in full. • Several successful businessmen found their greatLimited Seating, Register Today! est achievements after their financial difficulties. Prior Call 307-674-6446 X2200 to founding the Ford Motor Company, Henry Ford had filed bankruptcy after his first internal combustion vehicle, the Quadricycle, failed to generate a profit. He had started the Detroit Automobile Company, but unfortunately, made the mechanics of the automobile his focus, while failing to properly market his creation. At age 40, he started over with $30,000, founding the company that lives on today. Henry Heinz’s first condiment company went bankrupt, but when he started over with his brother and cousin, they introduced tomato ketchup, and today Heinz is a $10 billion company that sells 650 million bottles of ketchup every year. Walt Disney’s first animation company, Laugh-O-Gram Studio, went broke three years before Disney formed the company that exists today. He nearly had to file bankruptcy again in 1937 after he dumped all his money into the making of Snow White and the Seven Dwarfs. Fortunately, the film was a hit, and his finances were secure.
Sheridan College
Community Education
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Of Sheridan & Johnson Counties
Published weekly by Kysar Publishing. Call (307) 655-5095 bkysar@sjtidbits.com
KP
Tidbits® of Sheridan and Johnson Counties
Page 4
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NOTEWORTHY INVENTORS: CHARLES GOODYEAR Although he suffered through financial distress and bankruptcy his entire life, the name of Charles Goodyear lives on through history. Let’s see how much you know about this self-taught inventor and his work with rubber. • The name of Goodyear is significant in New Haven, Connecticut, for more than Charles Goodyear’s inventions. In 1638, his ancestor was a founder of that city, and it was here that Charles was born in 1800. At age 14, he headed to Philadelphia to work as an apprentice in the hardware business, which occupied his next seven years. • At 21, Goodyear returned to Connecticut to partner with his father in the business of manufacturing ivory and metal buttons and an assortment of agricultural implements. Following his marriage, Goodyear moved back to Philadelphia, operating a thriving hardware store. However, his practice of liberally extending credit caught up with him, and the losses from non-paying customers led to his business failure. Because he was in the midst of perfecting and patenting several inventions, he refused to declare bankruptcy for fear of losing his rights to those inventions. As a result, he was thrown into debtor’s prison for failing to pay his debts. • At 31, Goodyear first learned about gum elastic, or natural rubber, and began experimenting with the substance. He started out creating life preservers, presenting them to a New York rubber company. It soon became apparent that natural rubber froze hard in the winter and was a sticky mess in the summer. Goodyear was determined to figure out a process to stabilize rubber. • Goodyear was able to secure loans for his experiments, which started out with his working magnesia into the rubber, something that seemed to take away the stickiness. His first creation was rubber shoes, lined with flannel. But the stickiness returned, and his creditors withdrew their money. Another New York businessman who believed in Goodyear’s potential advanced several thousand dollars to continue the work, but the financial Panic of 1837 wiped out his entire fortune and once again, Goodyear was penniless. He and his family were living in an empty rubber factory, living on fish he caught in New York Harbor. • Although living in poverty, Goodyear continued his experiments, adding different chemicals, such as nitric acid, lead oxide, and sulfur, then boiling the mixture. Finally, in 1839, the inventor had his breakthrough, when he discovered that heating natural rubber and sulfur created vulcanized rubber. • It would seem that the tide had turned for Goodyear, but when he attempted to secure funds for his new venture, his previous financial difficulties made it tough to convince investors. He continued in poverty, pawning his household goods, perfecting his process for five years before he felt confident enough to apply for a patent. • Even with his patent secured, Goodyear’s life did not turn around, and he was plagued with troubles. Six of his 12 children died in infancy. He was jailed twice for failing to pay debts, and when he died at age 60, he was $200,000 in debt. Fortunately, over the years after his death, royalties accumulated and allowed his family to live comfortably. Thirtyeight years after his death, Frank Seiberling founded a rubber company, which he named Goodyear Tire & Rubber in tribute to the inventor. Today, it’s a billion-dollar company, the world’s largest rubber business, but the Goodyear family derived no capital from it.
Entering the World of Cat Shows --DEAR PAW’S CORNER: I think I have the most beautiful cat, and I’d like to enter him in a cat show to see if he’d win. How can I get “George” into a show? --Tracey B., via email DEAR TRACEY: The first thing you should do is study: Read up on cat shows, how they’re conducted, what breed groups are typically shown, what judges look for, and so on. Don’t worry if you’re not sure of George’s breed: Many shows have a “Household Pet Class” that doesn’t have a specific breed standard. Where’s the best place to start studying? The Cat Fanciers Association (www.cfa.org) has a website with lots of good information on the basics of cat shows, like how to enter, rules of competition, tips on caring for and grooming your cat, and a list of upcoming events. The International Cat Association (http://tica.org/) is another good resource, with lots of information and a robust show calendar. It’s important to be sure that George is up to the stress of being shown. Is he a friendly, wellsocialized cat who is OK with being petted and picked up by strangers? Can he stay relaxed in a strange, noisy environment near several other cats? Is he in good health? Are his vaccinations up to date? Finally, attend one or two cat shows near you, without George, to see how they are conducted and decide if you’d like to make your cat a competitor. Send your questions or tips to ask@pawscorner.com. (c) 2015 King Features Synd., Inc.
TSUNAMIS This week is Tsunami Awareness Week, so Tidbits is checking out the facts on this deadly phenomenon. • The word “tsunami” comes from the Japanese language, translating “harbor wave.” It’s not really one wave, but rather a series of ocean waves, called a wave train, that sends surges of water to the shore. Because tsunamis might resemble a rapidly rising tide, some refer to them as tidal waves, but this is an inaccurate term because tsunamis are not related to, nor generated by, tides. • Tsunamis are also known as seismic sea waves, because they are most often generated by seismic activity such as earthquakes. Yet this term is also not entirely accurate because other forces can cause the waves, such as landslides, volcanic eruptions, chunks of glaciers breaking off into the ocean, and meteorite impacts. • The first wave of the series is typically not the strongest wave, and people are often deceived that once it has passed, the worst is over. The successive waves get bigger, stronger, and more destructive as they reach the shore. The time between the waves can last anywhere from a few minutes to about two hours. Tsunamis can travel across the sea at speeds up to 500 mph (805 km/ hr), nearly as fast as an airplane. They can cross the span of the Pacific Ocean in less than a day. As they hit shallower water near the coast, they may slow down but their height increases. Waves as high as 100 feet (30.5 m) are not uncommon. The effects are felt long afterward as the tsunami carries tons of salt which poisons the soil and ground water, contributing to hunger and disease.
Page 6
Tidbits® of Sheridan and Johnson Counties
QUALITY • SERVICE • SELECTION
DESAVA’S COMFORT PLUS Furniture & Mattress Store
We’re BIGGER than we look!
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House Plants Blooming Plants Dave and Reena Are Back!
Page 7
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QUALITY BUILDING SINCE 1978
307-751-6172
CUSTOM HOMES • SHOPS & MORE
K K K XK CONSTRUCTION
www.wyomingroofing.com
(307) 673-4469
2175 Skyline Drive - Sheridan
W
yMont Overhead Doors, LLC
751-1392 RESIDENTIAL & COMMERCIAL CONCRETE!
Sales – Installation – Service Committed to Quality 307-752-6299
6665 Big Horn Ave.
Sheridan, WY 82801
ELECTRIC CO. Serving Northern Wyoming
* New Construction 28 Years Experience * * Residential Owner - Dean Tapani * * Commercial Prompt - Reliable - Service * * Remodel Work Estimates Always Free *
307-752-3263 Sheridan, WY
E l Ta p a t i o D o s Authentic Mexican Food
Hours: Monday - Friday 11am - 3pm & 5pm - 8pm S a t u rd a y 11am - 8pm 1125 N Main St. Sheridan, WY 307-673-0056
PLUMBING HEATING AIR CONDITIONING 42 EAST RIDGE RD. SHERIDAN, WY 82801
(P) 307.674.9260
(F) 307.673.0513
Real Estate
1230 N Main Suite 3 Sheridan, WY
Office 763-7354
Realtor
Cell 461-4473
www.sheridanhomesearch.com wbrooks3333@gmail.com
461-4473
763-7354
TSUNAMIS (Continued): • The Pacific Ocean’s “Ring of Fire” is an area where tectonic shifts make volcanic eruptions and earthquakes common, generating about 80% of the world’s tsunamis. • The U.S. state at greatest risk for a tsunami is Hawaii, where one occurs every year, with a damaging tsunami occurring every seven years. The island of Hawaii is formed of five volcanoes, including the world’s largest, Mauna Loa. Four other states are at high risk – Alaska, Washington, Oregon, and California. The costliest tsunami to hit the western U.S. and Canada was in 1964 following an 8.4 earthquake in Alaska. The 21-foot (6.4-m) waves killed 120 people. • A quake registering 9.5 occurred 100 miles (161 km) off the coast of Chile in 1960 and within 15 minutes, 80-foot (24-m) waves hit the coast. Fifteen hours later, the tsunami hit Hawaii, and 22 hours after the quake, the waves struck the coast of Japan – 10,000 miles (16,093 km) away from the earthquake’s epicenter. • One of history’s deadliest disasters occurred in 2004 when a 9.0 earthquake in the Indian Ocean released more energy than all of the earthquakes of the last 25 years combined. A portion of the ocean’s floor the size of California heaved upward, creating a tsunami that struck 14 countries, resulting in 290,000 dead or missing. • More recently, a 2011 earthquake in Japan registering 9.0 caused a tsunami that killed nearly 16,000 and created property damage of $300 billion.
We’ve opened a new branch and it fits in the palm of your hand!
Pay. Send. Transfer.
All from the comfort of your phone. Sheridan Community Federal; making life easier.
BANK ON THE GO WITH SECURE, 24/7 ACCOUNT
access from your smartphone or tablet with Sheridan Community Federal, you can conveniently pay bills with bill pay, transfer funds, deposit checks remotely or just check your history or balance.
Anytime - Anywhere.
And of course it’s all FREE!
www.e-zcash.org
Are You Waiting on Your Tax Refund? Take Out a Payday Loan to Get You Some Fast Cash!
Payday Advance Loans Prepaid Debit Cards Check Cashing • Notary Services Consumer Loans • Title Loans Copies & Faxes • Western Union 307-673-0050 OFFICE 307-673-0070 FAX 2240 Coffeen Ave. Ste D • Sheridan, WY
FREMONT MOTOR FORD SHERIDAN LUBE, OIL & FILTER CHANGE
$
19
95
INCLUDES: Oil (up to 5qts), Lube, Filter, Courtesy Inspection & Top Off Fluids where necessary
10% off
Any recommended maintenance at the time of service. Good only at Fremont Motor Ford Sheridan. Cannot be used with any other special or coupons. Shop supplies and tax extra. Oil change excludes diesel engines. Expires March 31, 2015.
OUR NEW NUMBER 307-675-1958
1658 Coffeen Avenue Sheridan, WY Hours: Monday - Friday: 8AM - 5PM FOR YOUR CONVENIENCE WE ARE ALSO OPEN ON
SATURDAY FROM 8AM - 3PM!!
your hometown credit union since 1941
307.672.3445 141 S Gould Sheridan, WY www.sheridancreditunion.com