Snippetz Issue 359 by Funder Enlightening, Inc.

n I p p e tz

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ND ASSOCIATES, LLC

ARR ME MATEY... SNIPPETZ BE TALKIN’ LIKE A PIRATE

st Office Box 275, Peyton, CO 80831-0275 (719) 749-0054 E-mail: ed@edkovitz.com website at: edkovitz.com Real Estate Appraiser y Real Estate Broker

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“Fifteen men on the dead man’s chest -- Yo-ho-ho, and a bottle of rum!” “Treasure Island” by Robert Louis Stevenson

rr me hearty, here at Snippetz, we be gettin’ ready for International Talk Like a Pirate Day on Sept. 19. We be bettin’ ye thought it would ne’er be here soon enough!

WHO CAME UP WITH THIS IDEA? A couple of regular mateys from Corvallis, Oregon came up with the idea in 1995 when during a racquetball game between the two, one yelled “Aaarrrr” after a fall. Being the fun guys they were, John Baur (“Ol’ Chumbucket”) and Mark Summers (“Cap’n Slappy”) officially named Sept. 19 (Summer’s ex-wife’s birthday) International Talk Like a Pirate Day. The holiday started off as an inside joke between the two mateys, but in 2002 they wrote to author, humorist and syndicated columnist Dave Barry who rather fancied the idea and promoted it in his column.

Larry E Stiltner Agency ©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 481 Hwy 105 Suite 212 www.amfam.com (719) 481-8382 Bus NA-07497 Rev. 1/03 Larry EMonument, Stiltner Agency CO 80132 In more recent years, Bauer and Summers have found more 481 Hwy 105 Suite 212 ©1997 American Family Mutual Insurance Company and its Subsidiaries than their 15 minutes of fame. Both appeared on ABC’s (719) 481-8382 Bus Home Office – Madison, WI 53783 Monument, CO 80132 www.amfam.com Wife Swap in 2006 as a pirate family. Bauer appeared as NA-07497 Rev. 1/03 a contestant just this summer on CBS’ Jeopardy, referring ©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 to himself as a pirate and writer. They have a website dediwww.amfam.com NA-07497 Rev. 1/03

ISSUE 359 • SEPTEMBER 15, 2008

Talkin’ Like A Pirate... Continued on Page 2

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THIS WEEK IN SNIPPETZ Cover Story

ARR ME MATEY... SNIPPETZ BE TALKIN’ LIKE A PIRATE

Home and Garden Accents Largest Selection of Polish Pottery in Colorado Authorized Dealer of Lampe Berger

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cated to the holiday and all things pirate where fellow enthusiasts can purchase books, t-shirts and other fun pirate booty.

Monday through Saturday: 10AM - 6PM

TALKIN’ THE TALK

STYLE PAGE 9 Kim’s Korner

In order to celebrate the holiday properly, ye must learn a bit o’ lingo.

HEALTH AND WELLNESS

• Start all sentences with “Arr, me matey” or “Arr, me hearty.” • Don’t use the word ‘my’ to describe your possessions. It’s ‘me grog,’ ‘me lass.’ • Never speak in the past or future tense. Always use ‘be’ – I be, you be, they be. • Drop all g’s and v’s when you speak – ne’er, writin,’ fightin,’ drinkin’ and cussin,’ • Be sure to use ye best deep, throaty-sounding voice when ye speak in pirate-ese.

CLASSIFIED PAGE 22 GREAT BARGAINS - Find Your Treasure!

Business / Employment Opportunities

NEXT WEEK IN SNIPPETZ

PUBLISHED BY FUNDER ENLIGHTENING, INC.

George Wilkins - Publisher PO Box 789 Monument, CO, 80132

(719) 487-0484 email: snippetz01@gmail.com

Talkin’ Like A Pirate... continued on page 3

C O U N T S

W H E N

Q U A L I T Y

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Q U A L I T Y

Being a pirate wasn’t all plundering and pillaging fun. Pirates spent countless months at sea on board fairly small

Q U A L I T Y

THOSE ONE HIT WONDERS

W H E N

YO-HO-HO, IT’S A PIRATE’S LIFE FOR ME

W H E N

REAL ESTATE PAGES 23-24 Robyn’s Real Estate Rap... 23 Hot Properties In The Area

C O U N T S

ENTERTAINMENT PAGE 21 Huey’s Page (Comics) Critics Corner: “Death Race” Salome’s Stars (Weekly Horoscope)

Q U A L I T Y

PUZZLES, TRIVIA 20

W H E N

PAGES 17-18

Financial Focus ... 17 Dollars and Sense... 18 The Law According To Stevens... 18

• Ahoy - Hey • Avast Ye – Hey, stop and listen up; check this out • Aye – Yes • Aye Aye – Yes sir, I be doin’ what ye ask NOW. • Bilge rat – A derogatory term to call your friends and coworkers. The bilge is the lowest part of the ship where the rats live in the slimy stinky water found there. • Booty – Treasure • Cackle fruit – Chicken eggs • Davy Jones Locker – An imaginary place at the bottom of the sea where it is said that the souls of dead sailors and pirates lie. If ye be in Davy’s Grip, ye be scared or close to dyin.’ • Fiddlers Green – Pirate heaven • Grog – A pirate drink made of rum and water. It is said that a bit o’ rum was added to their water that had been stored in bales. The rum helped take away the scummy

C O U N T S

BUSINESS AND FINANCE

Once ye get the basics down, here are some words to add to ye vocabulary for the day:

Q U A L I T Y

PETS 16 Paws Corner SAINT Adoptions

W H E N

THE DINING GUIDE PAGES 13-15 Gretchen’s Goodies... 14 Patricia’s Café • Vino-Bits... 15

taste and hopefully kill some germs. • Lily-livered – Faint of heart • Matey – A friend or fellow pirate • Me hearty – A friend or fellow pirate • Poop deck – It’s not what you think. The poop deck is the deck on a ship that is the highest and farthest to the stern (back). The ‘head’ is the toilet, which is simply a hole cut in a deck that allows waste to go into the sea. • Scallywag – A scoundrel • Shiver me timbers – A saying used to express shock or disbelief. It is said that the saying described what happened when the wind howled and rattled the wood planks of the ship. However, some say that it was really a way for a pirate to request a back shave. Apparently, pirates were superstitious about hairy backs (a feeling that stays with most of us to this day). Is it true? Not sure, but an interesting thought. • Sprogs – New recruits • Thar – There • Wench – Ye need to look this up on yer own since this be a family publication. • Yellow-Belly’d - Chicken

C O U N T S

PAGES 10-11

From Start to Fitness... 10 The Doctor Is In... 11 Diet Center Health Bulletin... 11

(719) 481-1981

Q U A L I T Y

KEEPING THE FAITH PAGE 4 How To Wiggle Out of the Mud by Ron Ross

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Talkin’ Like A Pirate... continued from page 1

W H E N

FEATURE ARTICLES Strange But True... 4 Senior News Line... 7 Moments In Time... 20

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Talkin’ Like A Pirate... continued from page 2 E CLECTIC G IFTS C USTO M F RAMING

ships with little food or drink. With no refrigerators or canned goods available, their version of cheese and crackers were stale crackers and weevils.

If caught and found guilty of pirateering, a pirate could be hung in front of townspeople or even decapitated. Sometimes the pirate’s head was put on a stick and marched around town for others to see in an attempt to discourage would-be pirates.

PIRATE CODE OF CONDUCT Yes, there was a code of conduct that included the following: • All shipmates have equal voting rights. • No women or boys allowed on board the ship. • Booty must be divided equally, as well as liquor and food. • No ﬁghting between pirates. • No gambling. • Wounded pirates received a pension determined by the severity of their injuries. • Pirates must maintain their own weapons. Not following the code or breaking rules was punishable, but “Walkin’ the Plank” was not considered punishment except in fiction. Depending on the severity of the breach, a pirate could be marooned or put to death.

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• Every holiday needs a patron saint, right? Talk Like a Pirate Day is no exception. Actor Robert Newton who played Long John Silver in Disney’s 1950 “Treasure Island” is the honorary patron saint of TLAPD. He’s the ﬁrst that we know of to use the term “Arr matey.” • What about an anthem? We’ve got that, too - a catchy tune entitled “Talk Like a Pirate Day” written by Tom Smith. • Blackbeard started a fashion trend when he lost a leg to diabetes and wore a wooden leg. Pirates began to use wooden legs as a fashion statement, even adorning them with jewels. • Speaking of jewels, pirates wore pierced earrings because they thought it improved eyesight. Apparently, reading glasses were hard to come by at sea. • Contrary to Robert Louis Stevenson’s “Treasure Island,” pirates likely did not have parrots or use treasure maps. And pirates typically did not bury their treasures, although Captain Kidd was known to do so. • Although women were not allowed aboard a pirate ship, there were still many famous women pirates including Mary Reed and Anne Bonney who pillaged in the Caribbean during the early 1700’s. Women would have to impersonate men to remain on the ship.

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Now for the pillaging that made it all worthwhile. The most prized booty were jewelry and precious stones, and gold and silver. However, other items were more commonly pillaged such as spices, quinine, medical supplies, food, linen and rope. Dividing the loot could be a little more challenging. According to the pirate code of conduct, the loot had to be divided equally. Some things were divided easily and others were more challenging. Jewelry would simply be cut with a knife in order to divide it evenly. A pirate could receive more than his fair share if he lost a limb or partial limb during an attack. A loss of a finger would earn 100 pieces of eight (silver that could be cut into eight small pieces); a right arm would earn 600 pieces of eight.

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Pirates also experienced dysentery and contacted Yellow Fever from mosquitoes. Many died from the fever, but some only experienced the high fever and then recovered. And then there was gangrene caused by untreated infections. An unlucky pirate with gangrene could only hope that there were sufficient rum rations still on board when it was time to amputate a limb.

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Disease was common and rampant. Pirates would typically experience scurvy, a vitamin C deficiency which would cause their teeth to fall out and skin to go pale. It also led to the disease “crickets” which caused blindness. Hence, the reason we see pirates with an eye patch.

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Avast me hearty, be needin’ more on TLAPD? Go to http:// www.talklikeapirate.com/, get yer mateys and sprogs on board and make a day of it, or ye be walkin’ the plank ye scallywag.

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HOW TO WIGGLE OUT OF THE MUD By Dr. Ron Ross

DOG CHURCH

’m a fairly religious guy and I love dogs so I was interested when I discovered that there is a chapel for dogs located in Vermont. It is complete with pews and stained-glass windows depicting black Labradors with halos. The chapel is located in the woods of Dog Mountain, which means they probably do not need an indoor restroom. Up to 15 dogs at a time have been attending services in the chapel near the small town of St. Johnsbury in Northeast Vermont. The chapel was built by Stephen Huneck, a folk artist who claims his ﬁve dogs helped him recuperate from a serious illness. He said, “They played a really important part in my recovery. They understood that I needed to become well and would surround me whenever I went out.”

After recovering from a virus that left him in a coma for two months, and a dramatic near-death experience, Mr. Huneck, 51, went to work on the chapel, which is modeled on a traditional early-19th century design made out of white clapboard. His devotion to dogs is in the details of the chapel. The weathervane is a running dog, the wooden pews are held up by statues of dogs at either end. Huneck writes on his website, www. huneck.com, “As you walk inside the chapel you will be bathed in the light of my stained glass windows. Dog carvings surround you, music plays, all reaffirming the connection between art, nature, and spirituality. I look at this chapel as the largest artwork of my life, and my most personal. It is my desire to make this a place both magical and transforming.” The chapel has become a haven for man and dog, particularly owners who have lost pets. The entrance to the building is covered with photographs and messages from bereaved owners. “I want dogs and people to feel as if they are in a cathedral,” said Huneck. Huneck holds “blessing of the animals” services in the chapel. He has not had objections to his chapel from local clergy, either to the idea or the canine theme. “In fact, quite a few of them have been to see if there is anything they can do.” If you visit the dog chapel you won’t have to take any treats to keep your pup quiet as there is always a good supply of treats on hand. Huneck says the

Creating Beautiful Basements in and Around Colorado Springs treats are “a small gesture to thank dogs for all they give us and for connecting us to nature, something that is getting more difficult in our high tech, paved over world.”

leader.” One more important thing: The creed of the chapel is: “All Creeds, All Breeds, No Dogma.”

Visitors are free to go on a walk through the old forest with their canine friends where, as Huneck says, “you will see how the dog becomes fully alert, your guide and protector. There they have no doubt who is the

STRANGE BUT TRUE

city room. • The ﬁrst advice book for parents appeared in the United States in 1811.

By Samantha Weaver

• Married women aren’t likely to be surprised by the following snippet of information: Studies show that women with husbands typically do 30 percent more housework than single women do. • It was Ferdinand Drucker, a writer and consultant who was considered to be the father of modern management, who made the following sage observation: “In all recorded history there has not been one economist who has had to worry about where the next meal would come from.” • The horseshoe crab isn’t really a crab. It’s actually more closely related to scorpions. • Have you ever heard of a cicerone? It’s someone who samples and recommends beer, much like a sommelier does for wine. Not bad work, if you can get it. • If you’re the superstitious type, then you probably already know that you’re never supposed to whistle backstage at a theater, aboard a naval vessel or in a newspaper’s

• With the steadily rising food prices we’ve been seeing lately, you might be having a harder time filling your refrigerator than you used to. You might not realize, though, that part of the problem might be the fact that the size of your refrigerator is increasing, too. Since 1980, the standard refrigerator has increased by 10 percent, to 22 cubic feet. Incidentally, the clothes dryer has grown by 25 percent in the same time period. • Those who study such things say that Lithuanian is the language that is most like the original Indo-European tongue from which all Western languages are descended. *** Thought for the Day: “Success consists in being successful, not in having potential for success. Any wide piece of ground is the potential site of a palace, but there’s no palace till it’s built.” -- Fernando Pessoa (c) 2008 King Features Synd., Inc.

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LIZ CLARK AND TESSA PERRY TO PERFORM AT THE TRI-LAKES CENTER FOR THE ARTS IN OCTOBER

MAGALY’S

iz Clark and Tessa Perry will be performing at the Tri-Lakes Center for the Arts on Saturday October 11, 2008. Doors open at 7:00 PM for the 7:30 PM concert. Tickets are $12 TLCA members and $15 nonmembers and are available at available at The Wine Seller (719-481-3019), Covered Treasures Bookstore (719481-2665) in Monument and TLCA (719-481-0475) in Palmer Lake. TriLakes Center for the Arts is located at 304 Colorado Highway 105, Palmer Lake. For further information, visit the website at www.trilakesarts.org . From pop to folk, to country, you will get a taste of two top vocal artists from New York and Ireland with Liz Clark and Tessa Perry. Liz Clark is a New York City-based singer/songwriter with a crystalline tone and charismatic stage presence that shine through her poetic pop songs. Born into a music loving family in Denver, CO., Clark was raised on a strict diet of r ock and roll and folk music. At 12, she taught herself the guitar so she could play songs by her favorite band, the Beatles. In her later teens, she toured colleges and festivals throughout the West extensively in support of her first self-released record Love and War. Her second album, Hand On The Stove (Pommier Music, 2005), garnered wide acclaim, and the video for her first single, “Who’s Your Angel,” went to #3 on MTV’s Logo Network. Liz has opened for well-known musicians such as Joe Walsh, Ritchie Havens, Linda Perry, Bob Schneider, and The Counting Crows. Tessa Perry is a vocalist, guitarist and

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eth Joseph, winner of Radio Station “Magic 98.9 ‘Making Romis’ Band’”, has joined forces with veteran Rock Band “Rockatronics”. “These guys are seasoned pros, and I am honored that they have dedicated themselves to pursue my musical career”, Joseph says. With one CD and several contest wins to her credit, Beth Joseph is a force to be reckoned with.

rapidly cultivating a loyal fan base on both sides of the Atlantic through her startlingly fresh songs with lyrics that are wistful and punch-in-the-gut candid. Whether playing to a sold-out 200 seat venue or an East Village dive bar, Perry spins images and observations of the world around her into soulful, intimate communication with her audience. Thus began a career that would lead her to performing across Europe with headliners like Ani Di Franco, Damien Rice, the Indigo Girls, the Corrs, the Hothouse Flowers and many more internationally successful artists.

“Beth writes her own songs, composes her music, and performs at pro level”, says Joe Donaldson, lead guitar. Donaldson has shared the stage with artists such as Tim McGraw, Ricky Van Shelton, Martina McBride, and others. “When Beth hits the stage, it is nothing but energy”, says Jeremy Ruggels, bass guitar, (formerly of “Millionaire Murder Trial”.) Beth was chosen by radio station Majic 98.9 listeners, and immediately assumed her role as rhythm guitarist and backup vocalist “with a presence that comes from years of experience, or just raw talent”, says Donaldson. At age 17, things are moving fast for Beth, as these two forces are going on the road as “Beth Joseph”.

Tri-Lakes Center for the Arts is dedicated to creating community partnerships for demonstrating, teaching, exhibiting and promoting the arts and humanities. The Center is an advocate for artistic growth in the community. It offers programs that benefit residents, businesses, students, artists, art lovers and all who are inspired by the arts. TLCA is a non-profit 501(c) 3 organization located at 304 Colorado Highway 105, Palmer Lake, CO 80133. For more information visit the website at www. trilakesarts.org .

“I have every confidence that Beth will succeed in this industry”, says Stuart Pray, drummer, ( formerly of “Head Full OF Zombies”).

Keep an ear open for Beth Joseph, as you are sure to hear her on the charts.

THROW A BOWL AND GET A BRAT AT OKTOBERFEST TRI-LAKES CENTER FOR THE ARTS

t’s time to jump into your lederhosen and dirndls and yodel your way over to OKTOBERFEST at the Tri-Lakes Center for the Arts on Saturday, September 27, 2008. The festivities will be from 6:00 PM to 10:00 PM with German food and imported beer. The Continentals Polka Band will provide festive music for dancing and listening. Tri-Lakes Center for the Arts is located at 304 Colorado Highway 105 in Palmer Lake. Tickets are $25 TLCA members and $30 non-members and available at TLCA (719-481-0475). Studio space will be open for guests to create an “Empty Bowl” masterpiece to donate to the empty bowl fundraiser sponsored by Monument Hill Sertoma Club. Pinch pots and wheel throwing will be used. TLCA will glaze and donate the bowls to the Empty Bowl Dinner benefiting Tri-Lakes Cares. OKTOBERFEST originated in 1810 as a wedding feast of Prince Ludwig of Bavaria and Princess Theresa of Saxony-Hildburghausen on October 12th. Prince Ludwig invited all the people of Munich and Oktoberfest was born. Now OKTOBERFEST is celebrated all over the world including Palmer Lake at the Tri-Lakes Center for the Arts.

SNIPPETZ NORTH: THE LOCAL SCOOP ®

Believe it or not, when you switch to compact fluorescent light bulbs, you’re changing a whole lot more than just a bulb. You’re changing the way you use electricity. Or rather, the way you’ll use less of it. Switching to compact fluorescent bulbs can reduce your lighting costs by up to 70%. And that’s just the start. By ensuring your home is well insulated, properly sealed and using energy efficient appliances, a lot of little changes can really add up. To learn more about saving energy, visit touchstoneenergysavers.com

Looking out for you.

J A D E

SENIOR NEWS LINE by Matilda Charles

GUARD AGAINST MEDICARE FRAUD Starting in November, we’ll have a month or so to make changes in our Medicare Part D drug plans, if we wish to do so. It’s not too early to investigate various plans and ask some initial questions, such as: • Are my drugs covered under the plan? • Is there a Medigap, the period of time where there is no drug coverage? • What does the plan cost per month, and what are the deductible and copayment amounts? A good first stop to compare plans is the Medicare site online: www. medicare.gov. As can be expected, thieves have figured out ways to commit fraud with Medicare. Here are some things we need to know: • It’s illegal for drug-plan companies to call you on the phone to offer drug plans. You must be the one

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Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail. com.

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Friday, September 19th Antelope Trails Elementary School

FREE CARPET INSTALLATION WITH PURCHASE OF SHAW OR TUFTEX CARPET AND PAD

(Corner of Baptist Road and Gleneagle Drive)

CHOOSE FROM OVER 100 STYLES!

"VDUJPO t QN $IJMJ %JOOFS t QN Suggested Donation This is a fundraiser for Stephen Hepfordâ&#x20AC;&#x2122;s cancer treatments. All money raised will help pay for Stephenâ&#x20AC;&#x2122;s medical bills.

Minimum purchase 75 yards Maximum purchase 500 yards

Organized by friends and neighbors of the Hepford Family. Contributions for the auction are now being accepted.

Offer runs from September 1 through September 30 The fine printâ&#x20AC;ŚFree basic install, regularly $4.50/yard. Tear out and removal of old carpet and pad, moving furniture, and detail work (steps, stringers, etc.) is extra. Queen Zipp, Mac, and Rambler excluded.

Cash donations may also be made at any ENT Credit Union under Stephen Hepford Cancer Fund. 'PS NPSF JOGP QMFBTF DBMM . Visit Stephenâ&#x20AC;&#x2122;s blog for more information on his condition, family and community support.

Carpet â&#x20AC;˘ Wood â&#x20AC;˘ Tile â&#x20AC;˘ Granite

(719) 481-0831

Visit Stephenâ&#x20AC;&#x2122;s blog at www.stephenhepford.blogspot.com

1752 Lake Woodmoor Dr. â&#x20AC;˘ Monument, CO 80132

SNIPPETZ NORTH STYLE ®

KIM’S KORNER by Kim Carson

BATHROOM REMODELING MADE SIMPLE: THE BATHTUB

ast week we explored Bathroom Remodeling and how to ensure a successful remodel. One of the most common types of bathroom remodels include the addition of a new bathtub. If you are remodeling your entire bathroom, it makes sense to upgrade your tub along with everything else. However, many homeowners purchase a bathtub because of problems with an older tub. If you have a built-in bathtub that your thinking of replacing (and it is not part of an overall bathroom remodel), the whole job could cost between $2,000 and $4,000, when you add the tub, plumbing, and tile work. However, if the finish on your current tub is worn or scratched, you have two good options for improving its appearance without replacing it. Tub Inserts: Several companies produce plastic bathtub inserts to fit virtually every bathtub. These inserts are made of 1/4 ABS acrylic, the same material that is used in football helmet. The first step is an installer comes to your home, takes careful measurements of your tub and photographs. The installer sends the measurements and photos to the insert company, and the company generally has the same model tub in their warehouse as you have in your bathroom. The acrylic is then vacuumformed directly into the tub, making an insert that will fit directly into your tub. The installer returns with the insert, inserts and caulks it, and you are done. Total cost is usually between $600 and $1,000. Resurfacing: The other option to repair the finish of your tub is to have it resurfaced. In this process, a trained professional starts by masking your bathroom to protect it from the impact of chemicals and finishing products. The remaining porcelain in your tub is then removed with acid. The installer puts one or two coats of epoxy on the tub’s surface to promote adhesion. Finally, the installer adds several layers of polyurethane to the tub, to create a new finish. Total cost should be between $300 and $600. Tubs are available in a wide range of sizes; some are even designed to ﬁt more than one bather. However, if you are putting a new bathtub into an existing bathroom, you may be limited by space and by the existing fixtures and cabinets. Take careful measurements and photos, and bring them with you when you shop. Remember, an elegant tub will look less elegant if it appears cramped or oddly positioned. If you are remodeling your entire bathroom, you may be able to reconfigure other elements to accommodate a tub of any

size.

Why run all over town?

Are Brands Important? Jacuzzi started as a specialty manufacturer of air bathtubs, but have expanded to a wide range of mid-range to high-end bathtubs. American Standard and Kohler sell a broad range of bathtubs, from very basic bathtubs to soaking and jetted tubs. Not sure where to start? Find a bathroom showroom that shows a range of bathtub brands and plan a visit.

We Bring the Showroom to You.®

You will find there are different types of bathtubs. Do you want jets? Are you planning to bathe alone or with company? Do you prefer to bathe reclining or sitting up?

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Bathtubs are available in every decorating style, so you will be best able to evaluate bathtubs if you understand how a bathtub’s design reflects its style. Style generally refers to an overall look and feel of a room. Style can reflect a tone like casual, formal, or traditional. A bathtub is one element of an overall design. All of the elements translate to a style. It is important to get the design elements of a room working in concert. You do not want to use an Art Decostyle bathtub if the other style elements of your bathroom are Swedish. There are also certain elements of a room that traditionally relate closely to each other. A bathtub and its faucets should have a close design relationship. The bathtub faucet usually also relates closely to the toilet handle, the towel bar and the internal bathroom doorknob. If you are not familiar with how specific styles are reflected in bathtubs, sinks, faucets, trim, and other bathroom decorating elements, it is a good idea to go to a bathroom showroom; each area on display is usually decorated in a cohesive theme. If you are unsure of how the elements relate to each other, ask a salesperson.

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Porcelain on steel: Steel bathtubs coated with porcelain, also called porcelain bathtubs, are the most common tubs sold in the United States. They are relatively inexpensive, lightweight, and durable. They are resistant to scratching and chemicals.

If you are redecorating your entire bathroom, and buying and installing a new bathtub as part of the project, you have the most options in terms of installation. If you are replacing a tub, you probably want to change your plumbing as little as possible (if at all), so you need to select a tub with this in mind. Another major variable is whether you are installing a freestanding tub or a built-in tub. A freestanding tub is places on the floor. A built-in tub requires physical integration into your bathroom, using tile, sheetrock, or a liner, plus whatever calk, grout, or paint is needed to finish the project.

Enamel on cast iron: Bathtubs made in this traditional way have been popular since they first appeared in the 1800’s. They are solid and extremely durable. They have a solid, old-fashioned feel. Their look can be old fashioned or not, and they now come in a number of different colors. Fiberglass: Fiberglass bathtubs are the least expensive tub sold. They are light and durable, though their color will fade faster than many other materials. Acrylic: Acrylic tubs have a glossy attractive look. They are sturdy and durable, but cost less than tubs made from metal. They susceptible to scratching from cleansers and can be harmed by chemicals, though scratches can be buffed out.

Bathtubs are now available in many shapes. Most tubs are still rectangular and designed for a reclining bather. Soaking tubs and wooden tubs often have a seat for those who prefer to bath in a vertical position. Manufactures can mold plastic materials like acrylic into almost any shape, from diamonds to hearts. If you are installing a built-in bathtub, the shape of the tub can only be seen from above and looking into it, while you can see the shape of a free standing tub from the side as well as above.

Stainless steel: Solid stainless steel bathtubs are durable and easy to clean. They make a dramatic statement, and are usually found in modern bathrooms with other stainless steel fixtures or decorated in an industrial style. Copper: Copper tubs are among the most expensive bathtubs sold. A copper tub lends a luxurious and distinctive look to any high-end bathroom.

Bathtubs are manufactured in a range of materials; each has its own look and benefits:

Foam: This is the newest material used to make bathtubs. The main advantage is that bathers are less likely to bump their heads or bodies. If you or someone in your home has balance or mobility issues, this is an ideal material. It is also comfortable to sit in and retains your bath’s warmth. Wood: Wooden tubs have a distinctive, organic feel. It is the only material listed here that absorbs water, so it “interacts” with your bath. Wooden tubs will wear out faster than any other tub; they tend to warp or rot. However, most wooden tubs are installed with periodic replacement in mind, and replacing a wooden bathtub should be less involved than with most built-in tubs. You can buy a new, basic bathtub for as little as $200, or you can sink thousands of dollars into a high-end or custom bathtub. Whatever you spend, your bathtub should fit into your overall bathroom design. In practice, this means that your other fixtures are high-end, only a high-end bathtub will look appropriate. If you have a modest bathroom, a midpriced bathtub will look best. There are attractive styles and a range of choices in all of the price ranges.

Like to know more? Kim can be reached at 719-487-7767

SNIPPETZ® HEALTH AND WELLNESS

LOOKING FOR GREAT EYE CARE?

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Taking a Family Approach to Your Family’s Eye Care

A Center for Massage and Healing Arts (719) 481-4898

SANDY AND LARRY BAUERS

FROM START TO FITNESS By Andrea Renee Wyatt, M.S.S., C.S.C.S.

PUT YOUR BEST FOOT FORWARD

here are many factors that contribute to a successful fitness plan. One very important one is choosing the right footwear. It might not seem like a big deal, but continuous movement in improper footwear can lead to serious ankle, knee, hip and back problems. For example, you begin a running program and soon after experience discomfort in your knees. It’s possible that this discomfort is a result of unhappy feet in improper footwear. Before you start an exercise program, make sure your feet are happy and ready to go. Jasen A. Langley, DPM, AACFAS, a member of the American Podiatric Medical Association, recommends the following steps in selecting the proper footwear for your activity level. 1. Fit: This is the most important factor in choosing footwear. You should be fitted by a knowledgeable shoe salesperson. Running shoes should always have some room, since runners are susceptible to blisters. 2. Purpose: Buy the shoe that best fits your activity and activity level. 3. Brands: No single brand is better than another. Try various styles to

determine which brand is stylish yet comfortable. 4. Support: Those “cool” colors in the soles of sneakers are built into the shoe for a reason. The colors represent different densities of material. Rule of thumb: The denser the material, the more support there tends to be in the shoe. 5. Orthotics: Your new sneakers or footwear should accommodate orthotic devices. If you use orthotic devices, I suggest you bring them to the store with you to have them properly ﬁtted into your shoe. For those who do not know what orthotic devices are, ask a podiatrist. 6. Durability: Look at the overall aspect of the shoe. Inspect the material. Check the style of the shoe. If you exercise hard, you change shoes every two to three months. The wear of your shoes causes stress and strain in the foot.

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Bonnie B. Baswell, M.D. Eric L. Caplan, M.D. Heather F. Fink, PA-C

8. Ask: Contact your local podiatrist for questions or concerns you may have about your feet or footwear. You will receive very knowledgeable information about conditions of the foot, treatment options and proper shoe selection.

Specialized Adult and Pediatric Always consult a physician before beginning an exercise program. Andrea Renee Wyatt, M.S.S., C.S.C.S., is a personal trainer with an extensive background in strength and conditioning as well as therapeutic recreation. If you have a fitness or training question, write to Andrea in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475 (c) 2008 King Features Synd., Inc.

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7. Reputation: Go to reputable stores. Running stores usually have salespeople who are very knowledgeable about running- and crosstraining shoes.

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24 years providing care in the Tri-Lakes area All ages welcome Conveniently located in Old Town Monument

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550 Highway 105 Monument, CO 80132 Wednesday Afternoons

SNIPPETZ® HEALTH AND WELLNESS THE DOCTOR IS IN An insightful look at Health

by Dr. Christy Meislahn

HEALTHY CHOCOLATE Part 2 of 3

22 Reasons to Eat & Drink Dark Chocolate & Acai Daily

ere are the next ten reasons why you should be enjoying the benefits of Xocai Healthy Chocolate products now available at Sundance Chiropractic, Inc. 7. MAY REDUCE BLOOD PRESSURE. In a recent study, participants enjoyed a 12 point reduction in systolic (top number) blood pressure. 8. LOWERS BAD CHOLESTEROL. The same study also showed an average 13% drop in levels of LDL (the so-called “bad”) cholesterol.

late repair and strengthen the entire antioxidant network. 14. FIGHTS PATHOGENS. As pathogens, carcinogens and other harmful agents enter the body or are created by the body’s own metabolism, they wreak havoc on cell membranes and mitochondrial DNA (which is 15 times more susceptible to damage than nucleus DNA). Antioxidants in cocoa and acai berries slow down or eliminate this oxidative stress.

9. SUPPORTS VASCULAR SYSTEM. Dark chocolate improved the health of blood vessels in study participants by making arteries more relaxed and responsive.

15. RICH IN POLYPHENOLS. Polyphenols are a broad group of plant nutrients that act as antioxidants. The polyphenols in both cocoa and acai help relieve inflammation and help protect against radiation among many other helpful functions.

10. IMPROVES INSULIN LEVELS. The measurement of sensitivity (predisposition to diabetes) was also improved in the patients.2

16. CLEANSES AND DETOXIFIES. Cocoa and acai berries have been used for centuries both as food as well as in folk medicine to cleanse and detoxify the body.

11. SUPPLIES THE BODY WITH CRUCIAL MINERALS. Magnesium is essential in over 300 biological reactions in the body and important for energy production. Nerves, muscles, heart health, bone health, and blood clotting are all dependent upon adequate magnesium. 12. CHOCK FULL OF ANTIOXIDANTS. Chocolate, acai berries and blueberries simply burst with antioxidants. A Xocai Nugget has an impressive ORAC (Oxygen Radical Absorbance Capacity) reading of 3,120 and the X Power Square has a reading of 3,582! 13. REPAIRS AND RESTORES OTHER ANTIOXIDANTS. Many antioxidants in the body become weakened or are destroyed but the powerful antioxidants in dark choco-

Call Dr. Christy at Sundance Chiropractic, Inc. for more information on Xocai Healthy Chocolate products. References: 2. Grassi, D. et al. Hypertension. 2005 Aug:46(2):398-405 The information in this article is provided solely for educational purposes and not as medical advice. Please consult a medical or health professional if you have questions about your health. No liability is accepted should you decide to self-treat or self-prescribe.

• Secure 24-hour Access 7 Days a Week

To set up an appointment call Dr. Christy at

• Strength Training Circuit

719 • 488 • 8789

• Cardio Equipment with Personal Viewing Screens

HEALTH BULLETIN BEHAVIOR TIPS BREAK THE CYCLE

armful eating patterns can become cyclical. The cycle begins with an event involving unpleasant emotions such as sadness, anxiety, frustration, or anger. These unpleasant feelings may then lead you to think negative thoughts about yourself. Such negative thinking then may result in coping behaviors that can harm your weight loss efforts. These behaviors may include bingeing, purging, or starving yourself. Such coping behaviors lead back to the beginning of the cycle with more unpleasant feelings and thoughts. You can break the cycle by breaking one link of the chain of events! For example if you tend to binge one day and then starve yourself the next day; just focus

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on stopping the binges. This will automatically eliminate your need to starve yourself the following day. Eliminating these behaviors will help you avoid unpleasant feelings that result from bingeing and starving yourself. You can also try to break the cycle by looking for opportunities to deal with unpleasant emotional events in a healthy way. For example, you can visit with a friend when you’re sad. If you’re feeling anxious, try to relax with a soothing bath. When you’re angry, try cooling down by taking care of physical chores. Examine your unpleasant emotions and coping behaviors that have you caught up in a harmful eating cycle. Try to come up with a way to break a link in the cycle so you can get on a straight path to weight loss success!

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Call Ahead Orders

FREE WINGS w/purchase of 10 piece

75 Hwy. 105, Palmer Lake 719-481-2222 open daily at 4:30

488-WILD (9453)

(exp. 10-31-08)

DAILY SPECIALS • THE BEER IS HERE!

Paravicini’s is Pleased to Announce Our New Menu

1415 Cipriani Loop • Monument GOOD HOUSEKEEPING TWO

FENNEL

Keeping the quality you have come to expect, while adding 20 NEW ITEMS!!

Availability: September through April Buying Tips: Fennel is also called ﬁnocchio. Buy ﬁrm, compact, unblemished bulbs. The fronds, if attached, should be bright green and sprightly.

The Holidays are right around the corner....

To Store: Refrigerate in the crisper drawer up to three or four days.

It’s the perfect time to make your reservations for your holiday party.

To Prepare: Trim off the fronds, if attached. Rinse fennel under cold running water. Trim the root end and remove the stalks. Cut the bulb lengthwise into wedges or slices; trim the central core. To Cook: The mild licorice ﬂavor and celerylike texture of fennel is accentuated by roasting.

PATIO DINING & BANQUET ROOMS

HAPPY HOUR 4-6PM 7 DAYS A WEEK

NEW MEXICAN RESTAURANT

FOOD & DRINK SPECIALS!

855 Hwy. 105 Palmer Lake - CO 80133

719-487-7469

CANTINA

Celebrating 25 Years in El Paso County and 50 Years in New Mexico

WATCH THE BRONCOS WIN ON THE AREA’S LARGEST BIG SCREEN TELEVISION!! And Don’t Forget....

Burger Madness EVERY MONDAY... ALL DAY! Hamburger, Fries and a medium drink or 10 oz. Domestic Draft

ONLY

BUY ONE ENTREE GET THE SECOND 1/2 OFF!

Our Chef creates delicious specials for your enjoyment every day: FRESH SALADS • TASTY SANDWICHES • HEARTY ENTREES • TRY OUR NEW $6.00 LUNCH MENU • EAT IN / TAKE OUT Quick & Easy for those on the go!

DINE ON THE PATIO, IN THE LOUNGE, OR OUT ON THE LANES!

(Sun. - Thur. Only) Exp. 10/2/08

Try Our NEW Chipotle Honey Lime Ribs!

Celebrate our HAPPY HOUR Daily 2:00 - 5:30PM anywhere throughout the restaurant & patio!

WATCH FOOTBALL ON OUR MANY TVS - BRONCOS AND ORANGE CRUSH JELLO SHOTS!

481-1234

230 Front Street, Monument www.lacasaﬁesta.net / FREE WIFI Hot Spot

SNIPPETZ NORTH DINING GUIDE ®

GOODIES

Coffee Cup Café reputation

RETCHEN’S

251 Front St, Monument, 488-0663 www.coffeecupmonument.com

Open 7 Days a Week

A Second Cup location

Gretchen Gire Anthony of Bodhicitta Bakery

CRANBERRY BUNDT CAKE Yields 1 cake

his cake is so quick and easy. I make a couple at a time and freeze them so they are ready to eat when I have unexpected company Ingredients: • • • • • • • • • •

1 cup of sugar 1 stick of unsalted butter 1 pinch of salt 2 cups of ﬂour 1/2 pint of light sour cream 1 tsp of almond extract 1 can of cranberry sauce 1/2 cup of chopped walnuts 1 tsp of baking powder 2 eggs

6:30 am - 3:00 pm

13860 Gleneagle Dr, Gleneagle, 481-6446 www.asecondcup.net

Directions:

Open 7 Days a Week

1. Preheat oven to 350 degrees F. 2. Combine all the ingredients in an electric mixer. 3. Blend them on high for 5 minutes. 4. Pour the cake batter into greased cake pans 5. Bake cake in a 350-degree oven for 40 minutes. 6. Cool and frost if desired.

6:00 am - 9:00 pm

COME IN AND TRY OUR NEW LINE OF BANANA BREADS: • CARMEL WHITE CHOCOLATE • • STRAWBERRY • • RASPBERRY ALMOND • • BLUEBERRY • • CHOCOLATE • • ALMOND ORANGE •

Make Every Day Sweeter than the Last!

BODHICITTA BAKERY 780 Hwy. 105 • Suite B Palmer Lake

Gretchen Gire Anthony Bodhicitta Bakery - 487-1555

719-487-1555

www.bodhicittabakery.com

PIZZA NIGHT Friday 5:00pm - 7:00pm

“Pizza Made To Order”

Monument Plaza 411 Hwy. 105 Monument, CO Academy & Dublin 719-532-1743 Academy & Airport 719-596-5414

481-3287 (EATS)

Kids Eat Free on Tuesdays! 1 Child Eats Free With 1 Adult Entree

Come & Celebrate with us in Monument 719-481-4415

1749 Lake Woodmoor Drive Monument, CO 80132

SERVING

FULL MENU ALL DAY LONG!!

JOIN US for HAPPY HOUR

BREAKFAST LUNCH DINNER

7 DAYS A WEEK! 2:00pm - 6:00pm

OPEN DAILY AT 6AM

(only at the bar)

HAPPY HOUR SPECIALS *** ALL WEEK *** House Margaritas $2.99 and 1/2 price appetizers (excluding fajita meat / seafood)

22 oz. Draft Beer $3.00 16 oz. $2.00 / Well Drafts $2.50 Sunday - Thursday “ALL DAY” House Margaritas $2.99

SNIPPETZ NORTH DINING GUIDE ®

PATRICIA’S CAFÉ SOUTHWESTERN SPAGHETTI SQUASH SALAD

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine “TRY OUR SPECIALS TUESDAY THROUGH THURSDAY!” Tuesday - Friday 5 - 9 pm Saturday 11:30 am - 9 pm 4 Hwy. 105 • Palmer Lake

719-481-3244

website: http://www.bellapanini.com

Dine In or Take Out Highway 105 & Primrose St.

Steaks

❁

Shrimp ❁ Chicken

❁

Burgers ❁ Burritos

Our Famous Reubens Dressing 2 ea Lime juice from fresh limes ¼c Olive oil 1 tsp Cumin 3 drops Tabasco ¼ tsp Onion powder ¼ tsp Garlic powder 1 Tbs Chopped fresh oregano ½ tsp Kosher salt Salad 1 ea Spaghetti squash 2 ea Diced tomatoes ¼c Diced red onion ½c Diced green chilies (I like Anaheim chilies but Jalapeno will do for a spicier punch) 2 Tbs Fresh Chopped Cilantro 1 head Romaine Lettuce 1. Bake spaghetti squash whole for 1 hour at 3250 F and let cool. 2. While squash is baking mix dressing ingredients together and refrigerate.

3. Cut in half lengthwise. 4. With a fork, remove seeds and trash and then remove the meat of the squash and place in a bowl. 5. Toss salad ingredient together with the squash. 6. Add dressing.

love spaghetti squash and when I tell this to people they always ask me what to do with it. Some people tell me that they mix it with spaghetti sauce, which is a great way to serve spaghetti to those of you who can’t have gluten. I will also sauté with butter, diced green chilies and onions, and cumin.

KIDS EAT FREE THURSDAYS (Limit: One kids meal per adult entree)

BREAKFAST SUNDAY 8:30-10:30am Biscuit & Gravy $1.95 ALL DAY Sunday Sun - Mon - Tue 11:00 - 3:30 Wed - Thur - Fri - Sat 11:00 - 8:00

481-TOOT 8668

Serving Anne & Mann’s Gourmet Ice Cream

I garnished this salad with slices of avocado and a sprig of cilantro and served it with grilled salmon. Try serving with grilled seafood, grilled chicken or grilled pork. This is a great summer salad except for having to bake the squash in the oven so try cutting it in half and grilling it out on the grill until tender.

Be creative, have fun and enjoy!!!

These Unique and Delicious Recipes are presented to you by Pat McClelland owner of Bella Panini in Palmer Lake and Bayou BarBQ in Monument

24 Hwy. 105 in Palmer Lake Shakes • Malts • Cones • Sundaes • Banana Splits • Root Beer Floats Chicago Style Hot Dogs • Bratwurst • Soups • Chili

Please call for seasonal days & time Rock House Ice Cream

488-6917

Check out their websites: http://www.bellapanini.com and www.bayoubarbq.com

Vino-Bits “Real Wine for Real People” Simply the best, most thoughtful selection of wine under $20 anywhere. Check out our eclectic microbeer and spirits selection too! Public wine tastings held monthly. Sign up for our e-newsletter to find out when. Located on Hwy 105 between Palmer Lake & Monument. Hours: Tuesday - Saturday 11am to 6pm.

488-3019

or www.thewineseller.net

Wine Appreciation & Tasting Tips

brought to you by Dirk at The Wine Seller

TWO VERY COMPLICATED WINE TASTING RULES

f you just drink wine, gulping it down the way you do a soda pop, you miss much of what you paid for. By tasting wine, you discover its nuances. In fact, the more slowly and attentively you taste wine, the more interesting it tastes. And with that, you have two of the fundamental rules of wine tasting: Slow down & pay attention!

BAYOU BARBQ CAJUN & BARBQ Fare Dine-in or Take-out

Tuesday - Saturday 11:00am - 8:00pm

WEDNESDAY IS CATFISH DAY! 481 Hwy. 105, Suite G • Monument, CO

(719) 488-2799

Website: BAYOUBARBQ.COM

TIDBITS NORTH PETS ®

WOODMOOR VETERINARY HOSPITAL

 Country Critters UPTOWN 

Kirsten Huston, DVM Steve Graff, DVM

Gentle, Professional ALL Breed Grooming.

VETERINARY SERVICES Annual exams, vaccines, surgery, dental care, microchipping & more PET LODGE Dogs: large & small kennels Cats: a separate area just for cats

Where t he Disc Owners erning Pet Come Full Serv ice

GROOMING Karen Allison, Grooming dogs & cats since 1986

Pr Pet Gro ofessional Call today fo oming r an

17950 Veterinary View Monument off Knollwood Drive (719) 488-2500 We love your pets & know you do too!

a Maste ppointment Nancy r Stylist, Praiswa ter

SASHA IS A BEAUTY!

WYSONG MERRICK ORIGIN INSTINCT CALIFORNIA NATURAL PRAIRIE

asha is a three year old female German Shepherd. She gets along well with children and most other dogs. Sasha does not like cats. She is spayed and has her vaccinations. She is house trained and loves to be in the house as a member of the family.

719-481-0220

www.countrycrittersuptown.com

West End Center •755 North Hwy 105, Suite N • Palmer Lake

Paws Corner

new family member as well as your existing family members.

If you are interested in adopting Sasha please call SAINT Ani- Please visit our website at saintmal Rescue located in Calhan animalrescue.org and as always at 541-3099..you might need to thank you for caring. use the 719 area code. “God, make me the person my It is always a challenge when dog thinks I am.” adopting a new pet. SAINT - Anonymous Animal Rescue asks the adopter to give the animal a reasonable amount of time to adjust to it’s new family and environment. This is so very important to your

By Sam Mazzotta

WHEN WILDLIFE GETS TOO CLOSE

realizes that her actions could have negative consequences. And by talking to her, I don’t mean standing in her line of sight while she’s outside and yelling “Nyah nyah, I’m telling on you!” Save that for those tension-filled summer evenings after she blames you for the homeowners’ association letter asking her to stop -- but wait, I’m getting ahead of myself.

First you have to ask her nicely. It’s DEAR PAW’S CORNER: My the neighborly thing to do. Then you neighbor “Gladys” will put out food bring it up at the next HOA meeting. for any wild creature that happens If the community agrees with you, a by her back porch. I’m not talk- letter can be issued to Gladys by the ing about a few songbirds: She is homeowners’ association. putting out food for raccoons and Contacting animal control -- if there squirrels, has a big block of salt is no immediate danger -- should in the back corner of her yard for be done only if Gladys does not deer, and who knows what else. I respond to yours or the HOA’s rethink this is dangerous because it quests. The department may issue makes these animals come into her a civil infraction (punishable by a neighbors’ yards looking for food, fine) if they receive enough comand they might hurt our pets or our plaints. kids! Should I report her to someone, like Animal control should always be called if there is an imminent threat animal control? by an animal, or if a pet or wild ani-- Anonymous but Annoyed mal is in immediate need of assistance. DEAR ANONYMOUS: Here’s a question: Have you talked to Gladys about your concerns? I know the Send your tips, questions and comments to Paws Corner, c/o King Features Weekly political maelstrom that is modService, P.O. Box 536475, Orlando, FL ern suburbia tends to preclude this 32853-6475, or e-mail them to pawscornseemingly obvious step, but it is er@hotmail.com. important to find out if Gladys even (c) 2008 King Features Synd., Inc.

SNIPPETZ® BUSINESS AND FINANCE

YOUR TIMING

FINANCIAL FOCUS SHOULD YOU PREPAY MORTGAGE OR INVEST?

WON’T BE OFF

WHEN YOU INVEST REGULARLY. If one of your worries is whether you're investing at the right time, it shouldn't be. By investing a set amount of money regularly, you establish a simple routine that can help make your financial goals a reality.

In addition, investing regularly can: � Make it possible to use market fluctuations

to your advantage

� Add potential growth and diversification

to your portfolio

� Keep your long-term financial goals in focus Investing a set amount of money on a regular basis does not ensure a profit and does not protect against loss in declining markets. Such a plan involves continual investment in securities regardless of fluctuating price levels of such securities. You should consider your financial ability to continue the purchases through periods of low price levels.

To learn how investing on a regular basis can help you reach your financial goals, call or visit your local financial advisor today. Adam R Grayson Financial Advisor .

755 Hwy 105 Suite M-4 Palmer Lake, CO 80133 719-481-4964

www.edwardjones.com

Provided by Adam Grayson of EdwardJones Investments

f you’re fortunate enough to have some disposable income lying around, you might want to use it to advance your long-term financial goals. If so, you can choose among many different options. Here’s one such decision: Should you make extra principal-only mortgage payments, or should you invest the money? There may not be a clear-cut answer to this question, because each choice — to prepay or invest — has some merits. So before making any decisions, you’ll need to familiarize yourself with both options.

Member SIPC

IT’S TIME TO MAKE THE WORLD

A BETTER PLACE TO DRIVE.

Your Choice Auto® Insurance. Deductible Rewards, Accident Forgiveness and more. Sound Good? Call me today.

719.481.4740 Joslin Nagle

1850 Woodmoor Dr., Ste. 105 Monument JoslinNagle@allstate.com Feature is optional and subject to terms and conditions. Available in select states now and in most states by 1/31/06 (subject to regulatory approval where required).Allstate Fire and Casualty Insurance Company: Northbrook, IL. © 2007 Allstate Insurance Company

MONUMENT-BASED, SERVING NORTHERN EL PASO COUNTY

.ADYA ,AMBERT %SQ

To begin with, you might try to calculate whether prepaying or investing gives you the greatest financial return. To come out ahead by investing, you’d need to find an investment vehicle that paid more than your fixed mortgage rate. For example, if you pay off a fixed-rate mortgage of 5 percent, you are in effect “earning” a 5 percent return, so if you found an investment that paid 6 percent or 7 percent annually, you could say that you’d be better off making the investment rather than prepaying your mortgage. At first glance, you might think your choice is clear. After all, you reason, it shouldn’t be too hard to find an investment that pays 6 percent or 7 percent. Over the past 80 years, largecompany stocks have returned on average more than 10 percent annually, according to Ibbotson Associates, a leading investment research firm. And yet, despite these figures, you can’t necessarily conclude that investing always beats prepaying. For

GENERAL LAW PRACTICE with an emphasis on Estate Planning (wills, trusts and planning for incapacity)

one thing, as you’ve no doubt heard, “past performance does not guarantee future results.” And those impressive long-term stock market returns are just averages; though the market has trended upward over the long term, it can also go through extended periods of low returns, or even sizable losses. But when you pay down your mortgage balance each year, you’re earning a regular, low-risk “return” in the form of interest savings. So you need to ask yourself if you can accept taking on greater investment risk in exchange for a potentially higher return. Furthermore, you might find it psychologically beneficial to pay off your mortgage as soon as possible. And the less you owe on your house, the greater your profit when you sell it. But other factors may weigh against prepayment. You generally get a tax deduction on your mortgage interest, and this deduction, especially in the early years of your mortgage, can be considerable. Even more importantly, though, is the need to diversify. If you have all your money tied up in your house, and the housing market slumps, as it has recently, your net worth might suffer more than if you had spread your money around a variety of assets, including stocks, bonds and government securities. (Keep in mind, though, that diversification by itself cannot guarantee a profit or protect against loss.) Clearly, you’ll need to weigh all these factors before deciding whether to prepay your mortgage or invest. Fortunately, it’s not always an “eitheror” question. One month you could pay more on your mortgage while the next month you could invest any money you have available. It’s your choice — so make the most of it. This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

For additional information, contact:

Adam Grayson 755 Hwy.105, Ste M-4 • Palmer Lake, CO

719-481-4964

The place to turn for Shelter Insurance protection for your auto, home, and life.

Nadya Lambert, Attorney at Law, P.C. tel: 719.757.1170 fax: 719.757.1171 Nadya@NadyaLambert.com

Michael D. Ahlers 66 Second St. Ste. B P.O. Box 1212 Monument, CO 80132-1212 (719) 481-2550 Cell: (719) 209-4534

www.shelterinsurance.com

Seek Shelter Today!

SNIPPETZ BUSINESS AND FINANCE

DOLLARS AND SENSE

9, 2008, and July 1, 2009. (The date is determined by the closing date.)

BY David Uffington

“First-time buyers” means you haven’t owned a principal-residence home for three years. If you owned a vacation home, you’re not disqualified.

HELP FOR FIRSTTIME HOMEBUYERS

You’ll begin making payments to the IRS two years after you claim the credit. Payments will be made via your tax payments, although the specifics haven’t been ironed out yet.

s part of the Housing and Economic Recovery Act of 2008, those who want to buy a home will get some help. The biggest item in the legislation is the credit of up to $7,500 that can be given to first-time homebuyers.

Some considerations to think about: Even though this is given as a tax credit, it really is a loan, and you’ll owe money to the IRS. If you don’t pay, the standard IRS penalties and interest will kick in.

But that “credit” needs to be looked at closely. Although it looks like a tax credit, the program is actually a loan that you’ll claim on your tax return. As such, it becomes an obligation that you’ll owe to the Internal Revenue Service over a span of 15 years. Specifics of the program: • Single taxpayers must make less than $75,000 (and married couples less than $150,000). • The allowed credit is up to 10 percent of the cost of the house. • The credit amounts to a zero-interest loan. • You must buy your home between April

If you sell your home, the money becomes due. The IRS doesn’t need to be paid directly out of proceeds from the sale, but you will immediately be obligated to pay back the balance that you owe. (If you sell and your profit is less than the amount you owe the IRS, the balance that you owe is forgiven.)

David Uffington regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail.com. (c) 2008 King Features Synd., Inc.

The same situation would apply if you move but don’t sell. Let’s say you move to a smaller place and rent out your home. When the home is no longer your main residence, the money becomes due to the IRS for that tax year. To learn more about the homebuyer credit as well as other provisions of the act, go to www.federalhousingtaxcredit.com.

For all your packing & shipping and printing needs.

Fed Ex • UPS • DHL • USPS

NEW HOURS DROP OFF YOUR PACKAGES FAST SERVICE!! MON. - FRI: 7:30AM - 6:00PM SATURDAY: 9:00AM - 4:00PM

 Printing  Passport Photos  Copies  Faxes  Notary

Phone: (719) 488-9898 • Fax: (719) 488-0988 481 Hwy. 105, Suite B • Monument, CO 80132 • Monument Plaza

THE LAW ACCORDING TO STEVENS by Lisa Welch Stevens, Attorney at Law P.C.

rom the beginning, one of the most important things you need to do is to plan for exiting your business. Nowhere is this more important than when you are in business with others. Partnerships, corporations and limited liability companies owned by two or more individuals need to have exit strategies in place in order to avoid costly and needless negotiation and/or litigation in the future. By exit strategies, I mean mechanisms put in place, through a written agreement, providing for events triggering an exit of individuals from the business, the purchase of ownership interests, valuation, timing and payment. Exit strategies may be included in a buy-sell agreement, a partnership agreement, or an operating agreement. Many small business owners are reluctant to discuss exit planning. They may be concerned that partners will think they are not committed to the business, or that they don’t trust them. They may also wish to avoid legal fees in connection with such planning.

Exit planning actually shows a strong commitment to the business: you believe it will succeed and that, because of death, disability, or other events an exit plan will be necessary. Having a written agreement does not indicate a lack of trust in your partners: in the event of a death or disability the remaining partners will be forced to deal with third parties; and putting agreements in writing is the professional way to run a business. It is less expensive to pay a few hundred dollars for exit planning than to pay tens of thousands of dollars to negotiate or litigate the terms of an exit. And the terms of that exit will be known and certain. In the event of an exit of a partner from the business there is likely to be disagreement over the terms. Without a written exit plan the terms will be determined by a judge, or dependent upon the agreement of the remaining partners. Finally, a binding, written agreement as to the valuation of ownership interests can be of significant tax benefit upon the death of a partner. Exit planning is simply good business planning for multiple owner businesses. As always, consult your legal advisor regarding your specific situation.

Lisa Welch Stevens Attorney at Law, P.C. Admitted to Colorado State Bar and U.S. Federal Bar for the District of Colorado ❖

Business Formation

❖

Business Planning

❖

Intellectual Property

❖

Employment Law

❖

Mergers and Acquisitions

❖

Wills, Estate, Probate

❖

Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

719.488.9395 lisa@lwslawfirm.com • www.lwslawfirm.com

DIVORCE / FAMILY LAW Experienced - Affordable Convenient Law Ofﬁces of Christopher C. Meyer,P.C. 1832 Woodmoor Dr., #200

Monument, CO 80132

For additional information contact, Lisa Welch Stevens, Attorney at Law P.C. Representing Colorado Businesses

and Business Owners

719.488.9395

(719)488-9395 Please visit our comprehensive website for divorce information: www.cmeyerlaw.com

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SNIPPETZ BUSINESS AND FINANCE

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SNIPPETZ PUZZLES AND TRIVIA ®

Sports Quiz

By Chris Richcreek

1. ANIMAL KINGDOM: What is a baby oyster called? 2. HISTORY: Which planet did William Herschel discover in 1781? 3. ENTERTAINERS: What was Stevie Wonder’s birth name? 4. GAMES: What is a “dead man’s hand” in poker? 5. FAMOUS QUOTATIONS: Who once said, “There is a time in every man’s education when he arrives at the conviction that envy is ignorance; that imitation is suicide”? 6. COMICS: What is the emblem on Wonder Woman’s tiara? 7. ADVERTISEMENTS: Which brew labeled itself as the “champagne” of bottled beer? 8. TELEVISION: What was the name of the youngest daughter on “The Cosby Show”? 9. MOVIES: In the Austin Powers movie series, who plays the role of Frau Farbissina? 10. SCIENCE: What part of the atmosphere is the closest to the Earth’s surface?

1. Which major-league franchise featured the first teammates to each hit three home runs in the same game? 2. True or false: The league leaders in pitching wins for the 2007 major-league season did not toss a shutout between them. 3. Entering 2008, how many consecutive seasons has Vinny Testaverde thrown a touchdown pass in the NFL? 4. The Notre Dame men’s basketball team has made the Final Four once, in 1978. Whom did the Fighting Irish lose to? 5. True or false: Chris Osgood holds the Detroit Red Wings record for most postseason victories by a goaltender. 6. When driver Joey Logano became the youngest winner in NASCAR Nationwide Series history in 2008 at 18 years, 21 days, whose mark did he break? 7. When was the last women’s Grand Slam tennis final that ended in a 6-0, 6-0 score?

MOMENTS IN TIME THE HISTORY CHANNEL

• On Sept. 16, 1620, the Mayflower sails from Plymouth, England, bound for Virginia with 102 passengers. However, stormy weather and navigational errors forced the Mayflower off course, and on Nov. 21 the “Pilgrims” reached Massachusetts. • On Sept. 18, 1793, George Washington lays the cornerstone to the United States Capitol building, the home of the legislative branch of American government. The building would take nearly a century to complete. • Sept. 19, 1827, after a duel turns into an all-out brawl, Jim Bowie stabs a banker in Alexandria, La., with an early version of his famous Bowie knife. The actual inventor of the Bowie knife, however, was probably not Jim Bowie, but rather his equally belligerent brother, Rezin Bowie. • On Sept. 21, 1866, H.G. Wells, pioneer of science fiction, is born in Bromley, England. In 1895, Wells published his classic novel “The Time Machine.” The book was a

success, as were his subsequent books “The Invisible Man” (1897) and “The War of the Worlds” (1898). • On Sept. 17, 1884, Judge Allen disposes of the 13 criminal cases on his Oakland, Calif., docket in only six minutes. Although he apparently set a new record for speed, defendants in Oakland’s criminal court did not stand much chance of gaining an acquittal. In a 40-year period at the turn of the century, only 1 defendant in 100 was acquitted. • On Sept. 15, 1954, the famous picture of Marilyn Monroe, laughing as her skirt is blown up by the blast from a subway vent, is shot during filming of “The Seven Year Itch.” The scene infuriated her husband, baseball star Joe DiMaggio, and the couple divorced shortly after. • On Sept. 20, 1973, in a highly publicized “Battle of the Sexes” tennis match, top women’s player Billie Jean King, 29, beats Bobby Riggs, 55, a former No. 1-ranked men’s player. Riggs, a self-proclaimed male chauvinist, had boasted that women were inferior. King beat Riggs 6-4, 6-3, 6-3.

Answers & Solutions SUPER CROSSWORD SOLUTION

TRIVIA ANSWERS

By Marge Svenson

1. A spat 2. Uranus 3. Stevland Hardaway Judkins 4. Pairs of black aces and eights 5. Ralph Waldo Emerson 6. A red star 7. Miller 8. Rudy 9. Mindy Sterling 10. The troposphere

SPORTS QUIZ ANSWERS

Trivia Test

1. Jeromy Burnitz and Richie Sexson did it for the Milwaukee Brewers in 2001. 2. True. Josh Beckett won 20 for Boston, and Jake Peavy won 19 for San Diego, but neither recorded a shutout. 3. Twenty-one seasons. 4. Duke, which lost to Kentucky in the final. 5. True -- he has 52 postseason victories for Detroit. 6. Casey Atwood, age 18 years, 10 months, 9 days, won in 1999. 7. Steffi Graf defeated Natalia Zvereva by that score at the 1988 French Open final.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Running Time: 105 Min. MPAA Rating: R

DEATH RACE “Death Race” is a remake of the 1970s cult classic “Death Race 2000.” The original was great campy fun. It was shot on a budget of about thirty bucks and looked it. What made “Death Race 2000” a great little movie is that everyone involved knew they were making a cheap exploitation flick and had big hoo-hah fun with the project. There is nothing fun about the new version. “Death Race” is directed by Paul W.S. Anderson, a man who never met a movie he didn’t puke all over. This is the clown responsible for the abysmal “Alien vs Predator.” I rest my case.

The film stars Jason Statham as a guy named Ames who is framed for the murder of his family in order to get him to compete in the Death Race -a pay-per-view goldmine where convicts race in super-charged, heavily armed cars. Only the winner survives. Win five races, win your freedom. The film also stars Joan Allen as Warden Hennessey. Why she took this gig is beyond all logic, but dang if she doesn’t chew up the scenery. Just watching her spew the most bizarre strings of vulgarity you will ever hear is the only redeeming parts of the picture. Not because it’s well-written, but because it’s so poorly written and spoken with such conviction that you just sit there cocking your head like a puppy that’s just heard a confusing sound. The action scenes are a complete mess. Lot’s of blurry, shaky-cam jump cuts that confuse and frustrate viewers instead of thrilling them. The only way “Death Race” could’ve been worse is if Uwe Boll directed it. I can’t recommend this movie to anyone -- except people I hate.

Salome’s Stars Week of September 15, 2008

ARIES (March 21 to April 19) Aspects favor new romances for unpaired Ewes and Rams. Already-paired Arian twosomes experience renewed harmony in their relationships. Money matters also take a bright turn. TAURUS (April 20 to May 20) Use that strong Bovine determination to help you keep the faith with your convictions while you move through a period of uncertainty. Things begin to ease by the week’s end. GEMINI (May 21 to June 20) Pay attention to your intuition. It could be alerting you to be more careful about accepting a “statement of fact” simply on trust. Don’t be shy about asking for more proof. CANCER (June 21 to July 22) Concern for the well-being of someone in need is admirable. But don’t forget to take care of yourself as well. Ask a family member, close friend or colleague to help you. LEO (July 23 to August 22) It’s OK to focus on the demands of your career. But try to avoid misunderstandings by also reaching out to family and friends. Your sharp intuitive sense kicks in by midweek. VIRGO (August 23 to September 22) Keep a rein on that green-eyed monster. Jealousy is counterproductive. Instead of resenting a colleague’s good points, concentrate on developing your own abilities.

LIBRA (September 23 to October 22) Spending time on a creative project during this high-energy week can pay off both in emotional satisfaction and in impressing someone who is glad to see this side of you. SCORPIO (October 23 to November 21) Now is a good time to start planning that trip you’ve put off because of the demands on your time. Be sure to choose a destination that is new and exciting. SAGITTARIUS (November 22 to December 21) That upbeat mood in the first part of the week makes you eager to take on new ventures. A more serious note sets in later to help you assess an upcoming decision. CAPRICORN (December 22 to January 19) A high energy level gives the Goat the get-up-and-go to finish outstanding tasks before deadline, leaving time for wellearned fun and games with friends and family. AQUARIUS (January 20 to February 18) Dealing with disappointment is never easy. But the wise Aquarian will use it as a vital lesson and be the better for it. A close friend has something important to say. PISCES (February 19 to March 20) Best bet is not to get involved in an argument between colleagues until you know more about who started it and why. And even then, appearances could be deceiving. Be alert. BORN THIS WEEK: You have creative gifts that inspire those who get to see this sometimes-hidden side of you. (c) 2008 King Features Synd., Inc.

SNIPPETZÂŽ CLASSIFIED / REAL ESTATE

SNIPPETZÂŽ CLASSIFIED 6 LINES â&#x20AC;˘ Only $5 A Week (minimum 5 weeks)

Call: 719-487-0484 ÂŽ

Snippetz Classified ads will run a minimum of five consecutive weeks unless otherwise arranged. Classified ads must be received no later than Wednesday before 12:00 pm in order to appear in the following weekâ&#x20AC;&#x2122;s issue. We reserve the right to refuse or edit ads for any reason deemed necessary.

A Gem in Pine Creek (Dist. 20) (Price Reduced)

REAL ESTATE

FOR RENT VACATION LOG CABIN

2 bedroom/1bath vacation log cabin near downtown Buena Vista in the heart of the Collegiate Mountains. Perfect for fishing and hiking. Near Cottonwood Pass the Arkansas River. the Taylor River and much more. $100 per day. Call Jim at 719481-4364 for information.

or Funder Enlightening, Inc. PO Box 789 Monument, CO 80132 Visa / Mastercard / Check

HELP WANTED

FOR SALE

4 VW BEETLE SNOW TIRES

PART TIME TELLER Colorado National Bank has an opening at our Monument location. Approx 20-25 hrs/ week. We are a community banking organization that values our employees as much as our customers. Competitive Salary& Benefits. Send your resume to P.O. Box 2906, Monument 80132 ATTN: Manager or fax 488-1163 EOE

with wheels 205/55 R16 Near New $750 719-491-2013

2002 DURANGO Leather, Seats 7. Loaded. Local 1 owner. Exceptional condition. $6,000 Call: 719-332-8956 or 719-487-0064 1988 560SL MERCEDES Original owner. All maintenance records. 103,000 miles. Excellent condition. Champagne exterior and hard top. Expresso soft top (new) with wind screen. Recently replaced air conditioner and new tires. V-8 Classic classy car, beautiful ride. $14,500 Call 481-8951

HELP WANTED P/T Mascot. 12-2 M-F Call Jason @ 488-9453 PART TIME Kennel help (or hand) for German Shepherd breeder. $10.00 /hr. Flexible schedule East of Monument. Must be dependable Contact Izzet at (303)660-9000

95 CHEVY CONVERSION VAN 91k miles Runs good $900 487-1790

SENIOR GARAGE SALE At Wolhurst Senior Park. 280 families. Saturday, Sept. 27 - 7AM - 3PM. Dishes, tools, furniture - Coffee, Donuts, Burgers and Dogs. At the Clubhouse 8201 S. Santa Fe Dr., Littleton. South Santa Fe Dr. & County Line Rd. (Follow Signs)

FOR SALE 1997 Rexhall Aerbus 34â&#x20AC;&#x2122; Motor Home. Low Mileage Good Condition. $19,000 Call Karen locally. (480) 220-0485

AFFORDABLE HORSE BOARDING

On 12 acres, 1 mile south west of Monument City Limits. Barn with power, water and locking tack room. Easy access to National Forest trails. Feeding twice daily in winter, once daily in summer. Winter $300/mo, Summer $200/ mo. Call Rick: 481-6660

AUTO SALES

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Build Your Dream Home & Moreâ&#x20AC;&#x201D;2.82 Acre Lot (Dist. 38) Rare opportunity! You can build a custom home, guest house and private garage on this property. Itâ&#x20AC;&#x2122;s lightly treed and has 360 degree foothill, city and rock formation views. Fenced on 3 sides. Price Reduced to $250,000. For more details call 1-800-613-6041 enter ID# 6012

For Rent: Custom Stucco Home on very private 5 E treed acres. 2 Story, 5 BR, 4BA, 3GA. All hardS D& MBR. $2600 per mo. (min. 1 yr lease) wood floors on main level, Huge LR, Large Country LEAKitchen For Rent: Walk-out Lower level of single family home on 2.8 beautiful treed acres. Over 2000 sq.ft., 2 BR, 2 BA, Private Entrance, Great Room w/Fireplace. $995 per mo. (min. 1yr Lease)

Ads must be submitted by E-mail or U.S. Mail E-mail: snippetz01@gmail.com

Wonderful home on .28 acre corner cul-de-sac lot. PPK & Front Range Mtn. views from almost every room. The country kitchen, w/walk-out to deck, oak floor, island, counter bar & pantry joins the family room to form a large great room. Walkout bsmt, A/C, Air, Study, Rec. Room, 4BR, 3BA, 3GA. $369,900. For more details call 1-800-613-6041 enter ID # 6032

BLACK FOREST HOME: 4,712 sq ft on 5 treed/meadow acres. 3br, 4ba, 3ga, office, sunroom, garden room, gourmet kitchen, dinning room, brkfst nook, craft/workshop area, outdoor kitchen, hot tub, RV garage. 14480 Vollmer Rd $575,000. For appt. Call 495-4309

â&#x20AC;&#x153;TheHoma Homa Teamâ&#x20AC;? Teamâ&#x20AC;? â&#x20AC;&#x2DC;The Jacqueline & John Homa Homa John & Jacqueline 719-488-2224 (719) 488-2224

WOODMOOR CONDO FOR RENT Beautiful 3 bedroom, 2 bath, 1 car garage. Upstairs unit with spectacular lake and mountain views. No Pets, No Smoking. $1100 per month. Call 494-7702 for more info.

TRI-LAKES & GLENEAGLE WELCOMING

BEAUTIFUL SELF-CONTAINED 1-BEDROOM APT For rent in rural Monument, walkin-closet, 800 sq ft - more info at www.nyagregorfleron.net/4rent. html#apt or call Paul or Nya at 719 487 3113

CHECK OUT SHEILAâ&#x20AC;&#x2122;S PLAYLAND!!! â&#x20AC;˘ I offer a small, personalized daycare center for your child. â&#x20AC;˘ I specialize in newborns to four years of age. â&#x20AC;˘ 27 years of experience - licensed - CPR Certified. â&#x20AC;˘ Hot meals and snacks provided. â&#x20AC;˘ Structured environment provides motor-skills development, arts and crafts, story time and LOTS AND LOTS OF TLC. Located in the Northgate Highlands development, only 90 seconds from the Gleneagle exit. I currently have two openings, fulltime or part-time. Call now and mention you saw this advertisement, and Iâ&#x20AC;&#x2122;ll give you $40 OFF your first monthâ&#x20AC;&#x2122;s daycare fee. Call me, Sheila Hamilton, at (719) 487-1663 Sheilaâ&#x20AC;&#x2122;s Playland... itâ&#x20AC;&#x2122;s not your ordinary in-home daycare!

719-488-2119

PO Box 863 Monument, CO 80132

NEVER PAINT YOUR HOUSE AGAIN!! STUCCO OVER SIDING

Residential â&#x20AC;˘ Commercial

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Cell: (719) 499-0055 â&#x20AC;˘ Rodrigo Terrazas - Owner â&#x20AC;˘ OfďŹ ce: (719) 632-9000

TREO COMMUNICATIONS Local, personal & affordable IT/ computer support & training, graphic design for the web or print, visit www.treocom.net, for a free phone consultation, call 719-440-0966 or write contact@treocom.net

CONSTRUCTION SERVICES LTD

RESIDENTIAL AND COMMERCIAL Serving the CARPENTRY Tri-Lakes Local Structural â&#x20AC;˘ Trim â&#x20AC;˘ Log â&#x20AC;˘ Timber Frames area since References 1993 REMODELS & REPAIRS

Additions â&#x20AC;˘ Basement Finishes â&#x20AC;˘ Flooring â&#x20AC;˘ Painting â&#x20AC;˘ Landscaping â&#x20AC;˘ RooďŹ ng

Phil Haynes 719-243-0378 csltd02@hotmail.com

AUTO REPAIR

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Barbara Oakley

719.488.6729 707 County Line Rd. Palmer Lake, CO

Specializing in SUBARU Repairs

SNIPPETZ® REAL ESTATE

Robyn's

REAL ESTATE RAP

DIRONDACK NTERPRISES, LLC. 20 YEARS EXPERIENCE!

Decks Trim Tile Wood Floors Log Work Job Site Cleanup

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AARON (719) 641-7996 LOREN (719) 494-6119

A CUT ABOVE DRYWALL

by Robyn Graham

ARE YOU “GREEN” YET? CREATE AN ECO-FRIENDLY HOME!

GETTING GREEN WITH YOUR CAR! Here are some Ideas which will Save You Money on Gas and Help Reduce Greenhouse Gas Emissions:

GET RID OF AN UNNECESSARY CAR

When You Want It Done Right... The First Time!

Drywall Patches and Repair

• • • •

No Job Too Small Free Estimates Reasonable Rates 25 Years of Experience

Call Mark Today! Home: 719-481-0509

Cell: 719-237-9277

The fastest way to cut your family’s expenses is to get rid of one of an unnecessary car. Consider this: The average annual cost per car (factoring in gas, insurance, maintenance, parking, etc.) is $8,580. So, if your household income is $50,000 per year and you have two cars, you are working 4 months of the year just to pay for them.

SKIP UNNECESSARY CAR TRIPS

“Your Lender Next Door”

An astonishing 91 percent of Americans commute to work alone in their car, averaging 30-miles per round trip. If every person in the U.S. commuted by carpool just one day a week or took public transportation instead of driving, we’d save $215 per car and reduce carbon emissions by 149 million tons. 40 percent of all car trips made in the U.S. are under 2 miles. Try pulling out the old bicycle or just put on your walking shoes for some of those trips.

GREEN DRIVING TIPS!

perature rises, gasoline expands, meaning you get less energy per gallon, and therefore fewer miles per gallon. Plus, when you sit down in a cool car, you’re less apt to crank the air conditioner, which can reduce fuel economy as much as

12%. 6. Check your gas cap. A faulty gas cap allows gas to evaporate, which not only means you’re buying gas that you won’t use, but also contributes to air pollution, particularly smog. 7. Check tire pressure and get tires aligned. Keeping tires properly inflated can improve fuel efficiency by 3% or more. Tires out of alignment can reduce fuel economy by as much as 10%. 8. Keep track when fueling up. Check your own fuel economy when you fill up. Use a little notebook that you can keep in the glove compartment. At the gas station, simply divide miles driven by gallons pumped for “Miles Per Gallon (MPG). If you see it slipping, you can identify problems early. 9. You can improve fuel economy up to one-third by reforming some bad habits, like riding the brake, coming to squealing stops and accelerating like a racecar driver. Follow the speed limit. Avoid “jack rabbit” starts and aggressive driving. Speeding will cost you more. Every 5 mph costs your fuel economy about 7%. Gas mileage usually decreases rapidly at speeds above 60 mph. Assume that each 5 mph you drive over 60 mph is like paying an additional $0.20 per gallon for gas. 10. Don’t “warm up” your car in the wintertime. It doesn’t need more than 30 seconds, and just wastes gas. Also, avoid idling…. particularly in and around schools or other places where children congregate. Idling allows pollution that contributes to smog to accumulate right around the car. Imagine a school parking lot full of idling SUVs and school buses! And it’s pollution that serves no purpose. You get 0 mpg burning that fuel.

1. Get regular tune-ups.

NEED CASH? NEED FINANCIAL FREEDOM? NEED RATE STABILITY? CALL US TODAY FOR YOUR FREE LOAN ANALYSIS Office: (719) 260-9847 Kimberly Gilbertson: (719) 963-1196 Selina Rodriguez: (719) 649-5953

Proudly Serving the Tri-Lakes Area and Colorado Springs

2. Replace dirty air filters. 3. Get regular oil changes with the correct grade of oil. You could improve fuel economy 10% or more. Be sure the old oil is recycled! 4. Lighten the load in your car or truck and save on gas mileage. 5. Parking in a garage or in the shade keeps your car cool in the summer. Use a windshield shade if parking outdoors. A cool car will help you get better gas mileage! As the tem-

11. The public transportation system in the United States saves 3.4 billion gallons of oil a year, eliminates 541 million hours of traffic delays and cuts greenhouse gas emissions by 26 million tons. 12. If buying a new car, buy a fuelefficient or hybrid vehicle. For Additional Information, email questions to Homes@Robyn Graham.com -- please put “Real Estate Rap” in the subject line. Or call 719-216-4421 or 888-481-8641 Toll Free

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CENTURY 21 HOLT REALTY

WITH NORTH & SOUTHWEST LOCATIONS Buying or Selling? Call The Best

719-238-9973

Woodmoor 2-Story $430,000

Raspberry Mtn Townhome $186,000

5/4/3 built ‘98 with 3,969 sq ft. Formal living, dining rooms, ﬁnished basement, bonus rooms. A/C, 2 FP’s, vaulted ceilings, deck, views, just perfect!

HELPING YOU WITH YOUR PURCHASE

Specializing in residential, commercial, land and investment properties, we provide representation at no cost to you when purchasing a home, new or pre-owned. We also have access to a large international relocation network for those moving out of state. Put our top negotiating skills to work for you, call us at 719-238-9973.

4/3/2, 1,615 sq ft, Like New Inside, Great Location

WORKING HARD TO SELL YOUR HOME

We provide one of the best marketing packages for your home, using strong online exposure in the most popular real estate websites combines with traditional print advertisement. Call us for your free market analysis and take the first steps in selling your home, call us at 719-238-9973. Don’t forget to ask about our virtual tour packages. Unique Woodmoor Tri-Level

PROPERTY MANAGEMENT SERVICES

$333,000

Stetson Hills Multi-Level $222,500

4/4/2+ built 1992 with 3,012 sq ft. Radiant ﬂoor heat, 3 decks, great .75 acre yard with views!

Covering Monument, Palmer Lake and Colorado Springs, we offer services including: rental listings, full service property management, and will help you find a rental. Call us at 719-238-9973.

4/2/2, 1,832 sq ft, Completely redone inside, like-new condition, fenced rear.

JOIN THE CENTURY 21 HOLT REALTY TEAM

With two locations to choose from, one in Palmer Lake and the other on 8th Street, Colorado Springs, We have you covered. We offer no desk fees, 100% commission plans, one-on-one training, Global Referral Network, online training resources and more! Join our team or Real Estate professionals, Call Alberto at 719-238-9974.

Call 719-238-9973 to view any of these Great Properties!

In-Town Monument Cottage $150,000

Woodmoor Raised Ranch $278,000 4/3/2, 2,350 sq ft. 2 Fireplaces, walk-in lower level. .67 acre private treed yard on cul-de-sac, decks and views!

1 BR, 1 Bath, Built 1992, 0.18. Location!

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Large Stucco Home in Wolf Ranch Like new Vantage Resale with 4 bedrooms, all on the upper level! Over 3,300 sq. ft. of living space in the desirable Wolf Ranch neighborhood within SD20! MLS #507468 $364,900

Elegant Home in Wagon Trails N/E This 3BR, 2.5BA, 3CAR home includes stucco exterior, central air, master suite and more. Access to community pool and tennis! MLS #527855 $264,900

Constitution Hills Clean and well maintained 2,562 sf home. 3 bedrooms on the main level including master bedroom w/ private bath. Great open living & dining areas w/ vaulted ceiling and gas fp. Fantastic tiered and landscaped back yard w/ patios. Finished basement w/ large rec rm. and additional bedroom & full bath for guests. Great location close to all! MLS #470296 $210,000

Lots of Custom Tile Work

5BR, 3BA home in Village Seven area features a kitchen with granite tile counters, travertine backsplash, hickory cabinetry, wood ﬂooring and more. Lots of custom tile work throughout. The yard is a gardeners delight with covered deck covered, grape vines and shed. Great location walking dist to trails, parks and community pool! MLS #504552 $229,000

Upgraded Townhouse with Lots of Charm 4BR, 4BA townhouse in Georgetown Sq. Very quiet location. Home features new upgrades including vinyl windows, carpet, appliances, front door, and water heater. Spacious master suite with private bath! Nearly 2,500 sq ft with tons of storage! Amazing complex with pool, tennis, playground, gym, sauna and more! Move in immaculate condition! MLS #452483 $169,000

NTRACT

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Composite

BUYERS! Check out these deals!!!

All Furniture, Antiques, Plasma TV’s Incl.

Main Level living in the Woodmoor This beautifully decorated 5BR, 4.5BA, 3 Car home shows like a model. Spacious gourmet kitchen with built in oven, cook-top and breakfast bar. Master suite with large 5-piece bath. Incredible mountain views from large deck. MLS #433823 $400,000

Large Lot With Lots of Possibilities Charming 4BR, 2BA Bi-level home with a large fenced-in yard. Home includes renovated bathroom with marble-like tub suround, new sink and faucets. large family room. Kitchen walks out to wood deck. All appliances stay including washer, dryer and stainless refrigerator. MLS #467930 $190,000

‘98 Parade of Homes Winner !

2001 Richmond, James Model !

5B, 5B, 3C, 3 Acres N. Blk Forest

5 Bed, 3 Bath, 3 Car Gleneagle

$879,900 www.20175Wissler.com

$419,900 www.14432Tierra.com

Has Mother-in-Law Quarters !

1999 John Laing Home !

4B, 3B, 2C, 2.5 Acres Monument

4 Bed, 4 Bath, 2 Car Monument

$425,000 www.3545Sunstar.com

$265,000 www.17070Foxcross.com

Fantastic ﬁnd in Palmer Lake! 4 bedroom / 2 bathroom / 1,505 sq ft Great rancher situated on a nice level lot with mountain views. Bright and open with vaulted ceilings, vinyl windows and a deck off the master bedroom. Fully fenced back yard and a covered front porch make this home one worth seeing MLS #423842 $199,900

Seller Pays $2000 towards Buyer’s Closing Costs!

Alberto del Toro 719-238-9974 adeltoro@twest.com

2003 Richmond, Aspen Model ! Condo in Southeast - Great Rental ! 4 Bed, 3 Bath, 2 Car Gleneagle

2 Bed, 2 Bath, 2 Pk Spc Co. Spr.

$245,900 www.14185Albatross.com

Robyn Graham

Elaine del Toro 719-238-9973 edeltoro@c21holtrealty.com

$85,000 www.2322Lexington.com ABR, GRI, QSC, CLHMS

719-216-4421 Access Entire MLS: www.RobynGraham.com

Each Office Is Independently Owned And Operated.