FUNDER ENLIGHTENING INC. • FREE WEEKLY • ISSUE 434 • FEBRUARY 22, 2010
S
n Ip pe t z OF NORTHERN EL PASO COUNTY & LARKSPUR
z
FIRST NATIONAL BANK MONUMENT
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SNIPPETZ RECOGNIZES VOLUNTEERS:
GIVING TO THE COMMUNITY by Deborah Stumpf
625 Hwy 105 Member
719-481-0008
11 Month Certificate of Deposit
1.22%
APY*
Minimum Deposit $500.00 Penalty for Early Withdrawal *Rates subject to change *APY based on quarterly compounding Annual Percentage Yield as of November 9, 2009
24 Month Certificate of Deposit
2.07%
APY*
Minimum Deposit $500.00 Penalty for Early Withdrawal *Rates subject to change *APY based on quarterly compounding Annual Percentage Yield as of November 9, 2009
All your protection under one roof.
All your protection under one roof. Larry E Stiltner Agency All your protection 481 Hwy 105 Suite 212 under one roof. (719) 481-8382 Bus Monument, CO 80132
©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 www.amfam.com NA-07497 Rev. 1/03
Larry E Stiltner Agency 481 Hwy 105 Suite 212 481-8382 Larry E(719) Stiltner AgencyBus Monument, 481 Hwy 105 SuiteCO 21280132 (719) 481-8382 Bus ©1997 American Family Mutual Insurance Company and its Subsidiaries Monument, CO 80132 Home Office – Madison, WI 53783 www.amfam.com ©1997 American Family Mutual Insurance Company and its Subsidiaries NA-07497 Rev. 1/03 Home Office – Madison, WI 53783 www.amfam.com NA-07497 Rev. 1/03
“Everyone can be great because anyone can serve. You don’t have to have a college degree to serve. You don’t even have to make your subject and your verb agree to serve... You only need a heart full of grace. A soul generated by love...” - Dr. Martin Luther King, Jr.
Y
ou see them in many places, from schools to hospitals to voting precincts to animal shelters and at natural disaster sites, and sometimes their presence is not so obvious. They run the gamut in age from children to seniors and come from all walks of life and all skills and education levels from clerks to engineers to presidents. They are volunteers. Millions of people are out there working in our communities for NO PAY. Who are they and why do they do it? Well, maybe it’s the fringe benefits. Volunteers... Continued on Page 2
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C O U N T S
FEATURE ARTICLES
C O U N T S
Q U A L I T Y
GIVING TO THE COMMUNITY
Q U A L I T Y
W H E N
SNIPPETZ RECOGNIZES VOLUNTEERS:
W H E N
W H E N
THIS WEEK IN SNIPPETZ
C O U N T S
Tai Yi - Lost Love... 6 Moments In Time... 8
Volunteers... Continued from Page 1
Senior News Line... 12 Strange But True... 13
A COUNTRY BUILT ON VOLUNTEERISM
REAL ESTATE 9 Robin’s Rap... 9
PET PAGE 9 SAINT Animal Rescue
SNIPPETZ BUSINESS DIRECTORY PAGE 10 Local Businesses on the Go!
HEALTH AND WELLNESS 10-11 Exposed: The Five Biggest Myths...
11
CLASSIFIED PAGE 13 GREAT BARGAINS - Find Your Treasure!
Business / Employment Opportunities
THE DINING GUIDE PAGES 13-15 Patricia’s Café... 15 Good Housekeeping One...
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PUZZLES, TRIVIA, ENTERTAINMENT 16-17 Trivia Test • Sports Quiz • Flash Back Super Crossword • Weekly Sudoku Couch Theater DVD Previews Huey’s Page (Comics) Salome’s Stars (Weekly Horoscope)
BUSINESS AND FINANCE PAGES 18-19 Financial Focus ... 18 The Law According to Stevens ... 19 Dollars and Sense... 19
NEXT WEEK IN SNIPPETZ SNIPPETZ HAS GONE TO THE DOGS: THE IDITAROD RACE
ALL RIGHTS RESERVED © 2010 PUBLISHED BY FUNDER ENLIGHTENING, INC.
George Wilkins - Publisher PO Box 789
Monument, CO, 80132
(719) 487-0484 email: snippetz01@gmail.com
Volunteerism isn’t just the latest trend in the United States. Certainly our last several presidents have encouraged citizens to serve others to help make the country stronger. But the volunteering spirit has been around since the colonies were forming. Historians document the helping spirit that came along with settling in the new land from the early colonial days to the pioneers as they moved across the west. There was no such thing as hiring someone in town to build the barn. The neighbors helped. They also helped with farming the land, getting through difficult diseases and anything else that needed to be done in the community.
OTHER NOTABLE VOLUNTEER FIRSTS: • The first volunteer firehouse was started by Benjamin Franklin in 1736 and many fire departments continue to operate under this volunteer system today. • The Revolutionary War brought together citizens to boycott against English products and raise money for the war. • During the 1830’s churches became more involved in outreach programs to help the poor and hungry, particularly through their youth membership. • The YMCA began in the mid 1800s on a college campus in Michigan. • The American Red Cross started in 1881. • United Way was founded in 1887, originally called Charity Organizations Society. It was founded by – and this is no joke – a rabbi, a priest and two ministers who wanted to work together to address Denver’s health and welfare issues. It was the 20th century that saw the real boon in altruistic activity beyond churches and neighbors. • By 1910 the Rotary Club was founded and by 1920 both the Lions and Kiwanis clubs were working within their communities. • The Great Depression brought soup kitchens to feed the hungry. • During the 1930s the Conservation Corp planted 3 million trees with the help of President Roosevelt. • During World War II, volunteerism was pervasive in helping servicemen and women and their families left back home. • In the 1960s, volunteerism took on a more activist role. The era was about more than peace, love and rock and roll; people were working against poverty, violence and inequality. Volunteerism was more of a movement against the status quo. Twenty-first century volunteerism has many faces – from good old fashioned helping and working in the community to activism for causes such as the environment, animal rights and equal rights for everyone no matter race, religion, gender or sexual orientation.
SOME STATS The numbers are astounding. According to the U.S. Bureau of Labor Statistics, as of September 2009, 63.4 million or a whopping 26.8 percent of the population volunteered at
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least once for or through an organization during the prior 12-month period. • Women volunteer more than men across all educational levels and age groups. Just over 29 percent of women volunteer versus 23.3 percent of men. • The most likely age of volunteers is between 35 and 54. The rates are lowest at 18.8 percent in the early 20s group as well as those age 65 and older. • Married folks volunteer more than unmarried – 32.3 percent versus 20.6 percent respectively. And parents with children under the age of 18 volunteered at the rate of 34.4 percent versus 23.9 percent for the married without children group. • Those with higher levels of education volunteered more than those less educated, dispelling a common myth that volunteers are uneducated women or the neighborhood busybodies. • More employed people volunteered than unemployed – 29.7 percent as compared to 22.9 percent.
WHAT DO THEY DO? More from the U.S. Bureau of Labor Statistics: • Older volunteers as well as less educated ones tend to volunteer for religious organizations. • Those with a higher level of education tend to volunteer for sports, hobby, cultural or arts organizations. • Not surprisingly, parents tend to volunteer for schools or scouting groups whereas those without children tend to volunteer for health organizations such as hospitals or social community organizations. • Volunteer activities mostly center around fundraising, as well as food-related activities that involve collecting, preparing, distributing or serving. Men most likely volunteer for general labor, coaching or refereeing in sports Volunteers... Continued on Page 3
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SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR
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activities as well as providing management assistance. Women’s activities also involve fundraising, activities involving food, and tutoring or teaching.
ily can earn a free day. To register and find opportunities in a geographic area of your choice, visit their Web site at www.disneyparks.com. But hurry, the offer expires once the numbers hit 1 million or Dec. 15, 2010, whichever is sooner.
WHO SEEKS OUT WHOM?
GOT AN HOUR?
About 44 percent of volunteers were asked to help whereas about 41 percent sought out volunteer opportunities on their own.
The benefits are there but where to start. Here are some ideas: • Schools, schools, schools. Schools have always needed volunteers, but with massive budget cuts, they need even more help. And, stronger, healthier schools increase property values for everyone. Another fringe benefit. • Libraries and the arts – facilities that always need volunteers and provide much for the community in the way of services and more of those fringe benefits. • Hospitals and blood banks • Animal shelters • Food banks • Homeless shelters
Volunteers... Continued from Page 2
NOW FOR THE FRINGE BENEFITS Volunteering provides significant health benefits: • Longer lifespan • Less depression • Better functional abilities Older persons tend to experience more of the health benefits than younger volunteers, possibly because volunteering is a way to stay more active, which in turn increases life expectancy. The nontangible benefits: • Stronger connections with others • Strengthening communities in which we live • Improving and changing the lives of others • Improving and changing the life of the volunteer • A sense of pride and satisfaction
BENEFITS FROM THE MOUSE Need a little incentive? In order to entice a million people to volunteer one day of service at any time over this year, Disney is offering a free day at a Disney Park as a reward. Not just a stroke of marketing genius, the Give a Day, Get a Disney Day program is a huge success and has already enticed 600,000 to sign up for the program as of Feb. 15. The caveat is that the service must be performed for a Disney approved organization or activity. Some examples are Habitat for Humanity, animal shelters, Destination ImagiNation and hundreds more. Children are eligible if accompanied by a parent for their volunteer service, so the entire fam-
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STILL LOOKING? There are numerous Web sites that offer information about volunteer opportunities. One developed by President Obama and the First Lady in partnership with the Corporation for National and Community Service is United We Serve. Individuals and organizations can register their need for volunteers on the Web site at www.serve. gov, as well as find service opportunities in the geographic and interest area of their choice.
A LIFETIME OF JOKES, QUOTES & OTHER THINGS!
The Points of Light Institute is an organization which was formed in 1990 after President George H.W. Bush’s inaugural address in which he expressed his vision for “a thousand points of light” in service to the country and community. The organization is nonpartisan as is Serve.gov and promotes volunteerism as well as acting as a source of volunteer opportunities.
A
local Colorado Birder with a Life List of 3,141 species of birds as of August 3, 2009 just finished writing an interesting 385 page book titled, “A LIFETIME OF JOKES, QUOTES and OTHER THINGS”.
When you read this book you will see the world through the eyes of a Notch Victim, Retired Military Man, a Baseball Fan, A Sportsman, a World Traveler, a Birder, a Naturalist, a Colorado High School Biology Teacher, a Lecturer, and a Retired Senior Citizen.
No one could say it better than Margaret Mead: “Never doubt that a small group of thoughtful, committed citizens can change the world; indeed, it’s the only thing that ever has.”
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Autographed books can be bought from Vern at 15065 Sun Hills Drive, Colorado Springs, Colorado 80921-2102 or Phone (719) 488-3175 or later, through the website www.verndayhoff.com or an Internet Distributor.
Walk-ins Welcome • (719) 481-3265 251 North Front St. #5 , Monument next to the Coffee Cup Cafe
Hardback Cover Copies are available for $29.95 and the Paperback Cover Copies are $19.95. Vern will pay the postage!
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SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR
Pamper Me Silly
Join us for a fun evening of Food, Shopping and Prizes in a relaxing atmosphere. Pamper Me Silly parties are a uniquely compiled trade show that brings together exhibitors from several direct selling companies.
Monument Plaza 481 Hwy 105 #210 Monument, CO 80132 (719) 487-2744
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ON HOW TO TAKE your settlement date must be after Ask About Our New Year Offer! November 6, 2009. ADVANTAGE OF THE CURRENT NEW HOME • The maximum credit for a firsttime homebuyer is $8,000. The BUYER CREDIT
For more information about these rules including details about documentation and other eligibility requirements visit IRS. gov/recovery.
maximum credit for a long-time resident homebuyer is $6,500.
Monument, CO If you purchased a home in 2009 or early 2010, you • You must file a paper return and may be eligible to claim the First- attach Form 5405, First-Time 366 Second Street, Monument Time Homebuyer Credit, whether Homebuyer Credit and Repayment you are a first-time homebuyer or of the Credit with additional a long-time resident purchasing a documents to verify the purchase. www.FloorsandWindows.com new home. Expires: 1/31/08 Therefore, if you claim the
Jeff Burum, CPA, MBA, MA, IAR has 22 years of experience in income and estate tax planning. He is an independent, Investment Advisor Representative and provides comprehensive financial services for businesses and individuals through his brokers The Leaders Group, Inc. and TLG Advisors, Inc. He is a former instructor of individual, corporate, partnership, estate and trust taxation, and an Assistant
719.487.7767
Present this certificate to your Nationwide Floor and Window Coverings Designer prior to placing your order. Only one coupon per family. Offer good for window covering of equal or lesser value.
• New homebuyers must attach a copy of a properly executed settlement statement used to complete such purchase. Buyers of a newly constructed home, where a settlement statement is not available, must attach a copy of the dated certificate of occupancy. Mobile home purchasers who are unable to get a settlement statement must attach a copy of the retail sales contract.
For additional information please call: (719) 488-5637
Elementary School: Elementary Endorsement K-6 All subjects and learning styles Middle and High School: Children/Teens/Adults: Study Skills Language Arts/Grammar Test-taking strategies Science Colorado State University graduate English Language Learners Math -Bachelor of Science: Speech-Language (ESL) -Algebra I and II Pathology/Audiology Small groups -Geometry Licensed Teacher Homeschoolers -Trigonometry -UCCS: Teacher Education Program
• If you are a long-time resident claiming the credit, the IRS recommends that you also attach any documentation covering the fiveconsecutive-year period, including • To be considered a long-time Form 1098, Mortgage Interest resident homebuyer you and your Statement or substitute mortgage spouse – if you are married – must interest statements, property tax have lived in the same principal records or homeowner’s insurance residence for any consecutive five- records. year period during the eight-year
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Professor of accounting and taxation at Colorado Technical University. He is also the former Chief of Budget at the United States Air Force Academy where he managed a $300M operating budget, past President of the Colorado Springs Chapter of the Colorado Society of Public Accountants, a Desert Storm/Desert Shield Veteran, and a 1984 Air Force Academy graduate. Jeff opened his second office in Monument, CO in November, 2009.
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SNIPPETZ : THE LOCAL SCOOP ÂŽ
TAI YI - LOST LOVE
EMPOWERMENT THROUGH HEALING, LLC Tai Yi Energy Practitioner - Tami Urbanek
L
Under mental, emotional, or physical stress? Low immune system? Anxiety? Depression? Lack of focus?
ove is a powerful motivator and can become painful for some of us. Many people grew up with loving parents, but some did not. Some had parents who tried to love, but were perhaps not taught love themselves by their own parents. As a child, we either learn
Tai Yi means Supreme Movement and is an ancient form of Chinese energy work that is similar to acupuncture and can assist in many ailments.
719-641-2017 Making New Choices to Create a New Reality
FREE 30 MINUTE CONSULTATION WITH SESSION turbanek1@msn.com • www.empowermentthroughhealing.com • Monument, CO
how to love by example and by how we were treated as a child, or we were taught that love is painful and should be avoided. If a child was taught that love is painful, whether that teaching was straight-forward or more by example, then the child often times grows into an adult who does not understand how to attract love or loving relationships. The symptoms of this would be an adult who makes the statement, “I want love�, but that person may push away opportunities for love or may sabotage what could have become a healthy relationship. The person’s symptoms would also be a lot of self-judgment, self-criticism, self-doubt, and self-sabotage. These symptoms create pain again and again. The person may recognize the symptoms and may try to stop the symptoms, but to no avail. Because, it has become such a pattern, but also, one does not heal an issue by working on the symptom, one heals an issue by working on the issue. In this case, the person has not been taught unconditional love and therefore may not recognize it or have any for her or himself.
8FMDPNF
TO OUR .EW -EMBER WHO JOINED IN *ANUARY !MERICAN #ANCER 3OCIETY 3TEVE "ROWN STEVE BROWN CANCER ORG #ROSSING 9OUR "RIDGE -EREDITH "ROOMl ELD MEREDITH CROSSINGYOURBRIDGE COM %MPOWERMENT 4HROUGH (EALING ,,# 4AMI 5RBANEK TURBANEK MSN COM
One needs to carry unconditional self-love (not arrogance or ego) to attract it. Like energy attracts like energy. A Tai Yi (pronounced Tie Yee) exercise that addresses this issue is Lost Love. Lost Love is for people who have forgotten how to love and they push away and misinterpret ‘taking care of’ for love. Most people do not understand that ‘love’ energy of heart chakra is gold. Gold light is highest vibrational light-no gold light that can be duplicated that matches actual gold light. People want to hold onto external experience when they think of love. This exercise is for ones who want to feel and understand their ability to love, to really understand the difference between taking care of and love. People place blocks to deny same thing they say they want and go in a different direction. Mass consciousness is denial of love. True essence of love is not fully understood. Those who have tendency to push away opportunities and are not aware are ones good for this exercise. In ones’ mind/emotions there will have markers and once they reach that marker, they prepare for next level. Some markers are presented once only-some are presented multiple times. Tami Urbanek
4RI ,AKES #HAMBER OF #OMMERCE s 0/ "OX s (IGHWAY s -ONUMENT #/ s s 'BY
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For more Tai Yi exercises and Tai Yi History, visit:
www.empowermentthroughhealing.com
SNIPPETZ : THE LOCAL SCOOP ®
Buxton & Luther, P.C. is an experienced and respected personal injury law firm dedicated to protecting the rights of persons injured due to the negligence of others. Tim Buxton In practice for over 20 years Extensive courtroom experience Served 11 years in the United States Air Force as a Judge Advocate General
Jeff Burum
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~ Call to rsvp for our seminars ~ Estate Planning Seminar
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22 years of experience Instructor of Taxation at Colorado Technical University and Regis Universities Former Chief of Budget at Air Force Academy 1984 USAFA Graduate USAF Major (retired)
16055 Old Forest Pt. Ste. 300 Monument, CO 80132 (Phone) 719.488.5637 ~ 719.488.5651 (Fax) www.JeffBurum.com ~ jbcpa_co@hotmail.com
PREMISES LIABILITY
Securities,insurance, and annuities offered through The Leaders Group, Inc; Investment advisory services offered through TLG Advisors, Inc. Member SIPC/FINRA
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Visit our web-site or call us today to discuss your next project.
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et the experienced Denver & Colorado Springs personal injury attorneys of Buxton & Luther examine your case and explain your options. You do not have to face your injury or your financial worries alone. Allow the team of attorneys at Buxton & Luther to be on your side.
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God Bless America!
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• On Feb. 24, 1786, Wilhelm Karl Grimm, the younger of the two Brothers Grimm, is born in Germany. Grimm’s Fairy Tales were produced in several volumes between 1812 and 1822. Tales in the Grimm collection include “Hansel and Gretel,” “Snow White” and “Little Red Riding Hood.” • On Feb. 27, 1827, a group of students dance through the streets of New Orleans, marking the beginning of the city’s famous Mardi Gras celebrations. Inspired by their experiences studying in Paris, the students donned masks and jester costumes and staged their own Fat Tuesday festivities.
Salk. A later version of the polio vaccine, developed by Albert Sabin, was swallowed instead of injected.
• On Feb. 25, 1870, Hiram Rhoades Revels, a Republican from Natchez, Miss., is sworn into the U.S. Senate, becoming the first AfricanAmerican ever to sit in Congress. During the Civil War, Revels, a college-educated minister, helped form black army regiments for the Union cause.
• On Feb. 26, 1972, a dam collapses in West Virginia, flooding a valley and killing 118 people. Tailings, the byproduct of coal mining, was the cause, as the material is unstable when dumped on hills. The Buffalo Mining Company, which was responsible for the tailings, was forced to pay $30 million in damages.
• On Feb. 28, 1932, the last Ford Model A is produced. The Model A boasted a peppy 40-horsepower, four-cylinder engine with a self-starting mechanism. The Model A had a base price of $460. Five million Model A’s rolled onto American highways between 1927 and 1932.
KATHY CORIA
• On Feb. 23, 1954, a group of children from Arsenal Elementary School in Pittsburgh, receive the first injections of the new polio vaccine developed by Dr. Jonas
• On Feb. 22, 1980, the underdog U.S. hockey team, made up of college players, defeats the four-time defending gold-medal winning Soviet team at the XIII Olympic Winter Games in Lake Placid, N.Y. Two days later, the Americans defeated Finland 4-2 to clinch the hockey gold.
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INTRODUCING...
MELISSA CHAPMAN
18 Years experience in the Tri-Lakes area. Back after being gone 5 years at Salon 105.
Expert in color and updo. Special occasion styles.
Call for Appointments
Call for an Appointment at Salon 105
Salon 105 • 47 Hwy. 105, Palmer Lake, CO 80133 • 719-488-0105
8
SNIPPETZ : PET PAGE / REAL ESTATE ®
8. I also love it when your alarm company neglects to install an alarm on the windows on the second floor. 9. If it's raining or snowing, and you forget to lock your house, understand this: I don't take a day off because of bad weather. 10. I always knock first. If you answer, I'll ask for directions somewhere or offer to clean your gutters. I can have a business cards made for anything. If you don't answer when I knock, I try the door. Occasionally, I hit the jackpot and walk right in.
Article by Robyn Graham Keller Williams Real Estate, LLC
Homeowners… Protect Your Home!
11. Do you really think I won't look in your sock drawer? I always check dresser drawers, the bedside table, and the medicine cabinet. You know though, I almost never go into kids' rooms.
18 Things Your Burglar Won't Tell You 1. Of course I look familiar. I was here just last week cleaning your carpets, painting your shutters, or delivering your new refrigerator. 2. Sometimes, I carry a clipboard. Sometimes, I dress like a lawn guy and carry a rake. I do my best to never, ever look like a crook. 3. Hey, thanks for letting me use the bathroom when I was working in your yard last week. While I was in there, I unlatched the back window to make my return a little easier. 4. Those yard toys your kids leave out always make me wonder what type of gaming system they have.
5. I've been watching for those newspapers piling up on the driveway so I know when you're out of town. And I like to leave pizza flyers in your front door to see how long it takes you to remove it.
12. You're right, I won't have enough time to break into that safe where you keep your valuables. But if it's not bolted down, I'll take it with me.
16. I'll break a window to get in, even if it makes a little noise. If your neighbor hears one loud sound, he'll stop what he's doing and wait to hear it again. If he doesn't hear it again, he'll just go back to what he was doing. It's human nature. 17. To you, leaving that window open just a crack during the day is a way to let in a little fresh air. To me, it's an invitation. 18. I love it when you announce your vacation on your Facebook page. It's easier than you think for me to look up your address. Sources: Convicted burglars in North Carolina, Oregon, California, and Kentucky; security consultant Chris McGoey, who runs crimedoctor.com; and Richard T. Wright, a criminology professor at the University of Missouri-St. Louis, who interviewed 105 burglars for his book Burglars on the Job.
13. I don't go into homes with TV or radio noise. Some people even buy a $35 device that works on a timer and simulates the flickering glow of a real television. (Find it at faketv.com.)
6. I like it when it snows while you're out of town. If you get a neighbor to create car and foot tracks into the house I wouldn't know you're gone. 7. I love it when I can see your alarm pad from a window. Then I can see if your alarm is on or not. I'm not complaining, but why would you pay all that money for a fancy alarm system and leave your house without setting it?
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14. I also watch dark homes, so lamps around the house on timers would deter me. 15. The two things I hate most: loud dogs and nosy neighbors.
LOTS OF PERSONALITY!
Search Tri-Lakes Homes for Sale -- including Foreclosures! www.TriLakesMLS.info
South Woodmoor Gem!
Tuscan Home in Wissler Ranch!
CARMEN
TIPS
Please take a Moment to meet Carmen. Carmen is an Aussie Shepherd/Boxer mix. She is 14 months old and is the sweetest gal you’ll meet! Carmen has one blue eye and one brown. She loves people! Gets along well with children. She has no problem with being in the company of other dogs or cats. Carmen also knows many commands and can walk on a treadmill for inside exercise. She is crate trained, loves to play Frisbee and catch!
This young lady is Tips and she is 6 months old. She is an Aussie/Border Collie and loves to play! She is from a home that has many other dogs and does well with them but will need that special one on one attention and training. We are not sure how Tips is with children and we are not sure how she’ll do with cats.
Carmen is spayed and is up to date on all her shots. Her family is a military and has to say a tearful goodbye to her.
5 Bedroom 5 Bath 3 Car Garage
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Investor’s DREAM! Monument Frank Lloyd Wright Style Home! 3 Bedroom 3 Bath 2 Car Garage
Tips has a lot of herding instincts in her so care must be taken in a home with children. A home with older children would be best for a happy relationship.
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If you think Carmen or Tips would fit into your loving family and you would like to adopt either of them, please call SAINT Animal Rescue located in Calhan. Our phone number is 541-3099 but you might need to use the 719 area code.
Great for 1st Time Homebuyer! Luxury Living in Woodmoor !
It is always a challenge when adopting a new pet. SAINT 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 new family member as well as your existing family members.
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Robyn Graham 719-216-4421
Please visit our website at
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saintanimalrescue.org
and as always thank you for caring.
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SNIPPETZ BUSINESS DIRECTORY ACCOUNTANT
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PAINTING
AMERICAN FAMILY INSURANCE Larry E Stiltner Agency 481 Hwy 105 Suite 212 719-481-8382 Bus. Monument, CO 80132 LStiltne@amfam.com
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COLORADO CUSTOM ROCK LANDSCAPING INC. Licensed and insured Serving the Front Range area for over 30 yrs. Commercial & residential landscaping services ccrlandscaping.com Call for a FREE Estimate! 719.598.6871
THE WALSH COMPANY 430 Beacon Lite Road #155 Monument 481-6555 - walshtaxco@aol.com Individual and Business Tax Returns. Payroll, bookkeeping and financial statement accounting services.
Rup Engines 719-205-3010
CertaPro Painters Residential And Light-Commercial Interiors, Exteriors And Decks
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PRIME ROOFING, INC. Your local Monument Roofer 24 Years of Experience working for you Licensed and Insured Member of the BBB Call: 719-599-4020
FENCING LAW FENCE CO. 20 YRS experience building and repairing all types of fence FREE ESTIMATES 719-520-5538 lawfenceco@yahoo.com
no monthly fees until Mar 2010 Visit our new HEALTH AND FITNESS DEPARTMENT by Morph PT for a FREE TWO HOURS of personal training
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SNIPPETZ® HEALTH AND WELLNESS
EXPOSED: THE FIVE BIGGEST WEIGHT LOSS AND FITNESS MYTHS THAT KEEP YOU FROM LOSING THE WEIGHT YOU HAVE ALWAYS DREAMED OF…
catch? Aerobic exercise (cardiovascular activity) must be sustained at a certain intensity in order to prompt substantial fat loss, and it must be accompanied by resistance training in order to maintain lean tissue and prompt an increase in metabolic burning. Muscle mass burns, at rest, approximately 35 to 50 calories per pound of muscle / per day. Fat mass, at rest, burns no extra calories. If you really want to lose weight and burn fat quickly, combine strength training with aerobic workouts. The results will be amazing!
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WEIGHT LOSS AND FITNESS WEIGHT LOSS AND FITNESS MYTH #4: Weight Training Doesn’t MYTH #1: Dieting will eliminate fat. Burn Fat. This myth came about when
Your body cannot discriminate between intentional calorie deprivation and starvation. When you dramatically reduce calorie intake, the body shifts into a protective mode by slowing down the metabolism and holding onto fat as an energy source while burning muscle mass (a preferred fuel source) to meet the energy demands of the body. Yes, you will lose weight in the beginning of the diet, but it won’t be fat loss unless you combine exercise. Additionally, harsh diets slow down your metabolism to a crawl, in turn, fat loss slows down to a crawl and causes a rebound effect to set in. A rebound effect is analogous to yo-yo effect. The body responds to the initial metabolic drop by increasing the rate it stores body fat while decreasing the rate it burns body fat. You’ll end up fatter than you were before the diet began!
WEIGHT LOSS AND FITNESS MYTH #2: Pills, Powers and Shakes
make you Skinny. Fat burners, diet pills, metabolic boosters – you know who gets the most out of these products? The manufacturers and sellers who are making millions of dollars on these products at your expense. Many of which can be dangerous to your health. Don’t believe me? The next time you see and advertisement in a magazine or a commercial on TV for a magic diet pill, listen to the DISCLAIMERS AND WARNINGS that accompany the product. They may promise weight loss, but will they be detrimental to your health and well-being at the same time? Dieting in any form that denies your body of essential nutrients needed to function efficiently will not produce lasting results. When you stop the diet, you will inevitably regain all the weight you lost – PLUS SOME.
WEIGHT LOSS AND FITNESS MYTH #3: Aerobic Exercise Burns the
Most Fat. I see women who spend 4 days per week, 40 minutes or more at a time, on a stair-stepper, treadmill or bicycle that don’t lose weight. I know of men who run six miles a day and still have rolls of fat around their mid section. What’s the
people started monitoring the calories they burned with each exercise session. The cardiovascular activities always came in first – thus, people assumed weight training wasn’t burning fat. Nothing could be further from the truth! What people didn’t look at were the lasting effects on metabolism that each weight training session had. Muscle, being an active tissue, has the ability to keep on burning calories long after the weight training session is over. The more muscle mass you have, the greater the calorie burn. How do you get more muscle mass? Start lifting weights!
Rollers Can Spot Reduce the Mid Section. All over the country people are falling for infomercials touting muscle-specific exercises for a flat belly. You cannot reduce the size of your waist by working the abdominal muscles alone. Nor can you reduce the size of your hips and thighs by working your hips and thigh muscles alone. The only way to sculpt the body is by combining a precise program of supportive nutrition, adequate resistance training and the right balance of cardiovascular activity. If it sounds hard, it’s not. It’s just hard to cut through all the misinformation and total nonsense being shoved down your throat by companies attempting to further line their pockets at your expense.
Join me next week when I reveal the Five Secrets that Helped Me Reach My Fitness and Weight Loss Goals – or call / email me Today for a FREE Fitness Consultation. The only thing you have to lose is Weight! By: Susan Iverson, M.S. Certified Advanced Personal Trainer Sports Nutrition and Weight Management Consultant Fitness Professional for Over 25 Years! Owner – REPS Personal Training and Fitness - (719) 481-9021
Shelly Wheeler Master Stylist
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WEIGHT LOSS AND FITNESS MYTH #5: Tummy Trimmers and Ab
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APARTMENTS for RENT
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APARTMENT FOR RENT AVAILABLE NOW! Beautiful, new self-contained 1-bedroom apt for rent in rural Monument - $700 - for more info at www.nyagregorfleron.net/4rent. html#apt or call 719 487 3113
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CUSTOM HOME FOR RENT Off County Line Rd. 6 bedrooms / 4 baths, 3 car garage. $2250/mo. Short or long term lease. Pets OK. Owner/Agent. Call Jim: Stiltner Realty - 719-964-3526
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AFFORDABLE HORSE BOARDING
HELP WANTED
HORSE-BOARDING Overnight, vacation,or full boarding services for $275.00/mo pasture/paddock $300/stall. Winter 3 feedings a day. Visit our website at: www.depriestperformancehorses.com or call Mary 303-249-3322
STYLIST WANTED BOOTH RENT Are you ready to go out on your own and make more money? Mountain Air Salon in Monument is looking for stylists. Best rent in town. Group health insurance available. 2 weeks FREE rent! Call Mountain Air Salon at 481-3265 or 332-0810 and ask for Karey. Come in and see us. Under new ownership.
SERVICES
DECOR BY DIANE Interior painting No job too small Over 30 yrs. experience. 719-488-0817 JACK OF ALL TRADES (master of some) You need it done? I CAN DO IT! Fair Prices - 719-217-1655 Please leave message
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ARE CELL PHONES A HEALTH HAZARD?
REAL ESTATE -TRADE-
WILL TRADE My two bedroom, two bath secure senior condo - $82,000 value in Colorado Springs for equity in a small home, condo or townhome in zip 80133, 80132 or 80921. call: (719) 473-5567
LOOKING TO GROW YOUR BUSINESS IN 2010? A new BNI chapter is starting in Monument! For information call: (719) 357-3800
Y
ou canâ&#x20AC;&#x2122;t open the newspaper or turn on the television nowadays without reading or hearing about cell phones causing brain cancer. One state is even about to require that warnings be placed on the phones. Itâ&#x20AC;&#x2122;s almost enough to make you stop using them. There have been multiple studies around the world with conďŹ&#x201A;icting and contradictory results. Can cell phones cause brain cancer? The jury is still out. On the other side of the coin, there are some very good reasons for seniors to have a cell phone, not the least of which is being able to contact someone if thereâ&#x20AC;&#x2122;s an emergency when youâ&#x20AC;&#x2122;re out driving. If youâ&#x20AC;&#x2122;re running late for an appointment, isnâ&#x20AC;&#x2122;t it easier to pick up your
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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. (c) 2010 King Features Synd., Inc.
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Still, thereâ&#x20AC;&#x2122;s nothing that says you have to talk on the cell phone all the time. And now, with this new Alzheimerâ&#x20AC;&#x2122;s research, maybe thereâ&#x20AC;&#x2122;s a reason to keep the phone.
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Researchers wonder if exposure to electromagnetic fields could actually be a treatment for Alzheimerâ&#x20AC;&#x2122;s in humans, and they are currently working on that.
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Now we ďŹ nd that there might be a plus to cell phone use: The phones might protect against Alzheimerâ&#x20AC;&#x2122;s disease. A study done with mice by the University of South Floridaâ&#x20AC;&#x2122;s Alzheimerâ&#x20AC;&#x2122;s Disease Research Center indicates that exposure to the electromagnetic waves of cell phones might even reverse memory problems. Those waves, it seems, break apart the brain plaque accumulation that is part of Alzheimerâ&#x20AC;&#x2122;s disease. Not only that, but in the study, the memory levels of normal mice increased.
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cell phone and call than to drive up and down the street looking for a pay phone? And what if you need directions?
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is supposed to cure the morning-after agonies. And if you’re in Germany, you should try the local remedy: pickled herring.
• It was Fran ois VI, duc de La Rochefoucauld and prince de Marcillac, a noted 17th-century French author and memoirist, who made the following sage observation: “Few are agreeable in conversation, because each thinks more of what he intends to say than of what others are saying, and listens no more when he himself has a chance to speak.” • Rutherford B. Hayes, the country’s 19th president, was the first to install a phone in the White House. • It was 1948 when the first vinyl musical recording was made. The piece of music so immortalized was Tchiakovsky’s “Nutcracker Suite.”
• According to Romanian tradition, a sure-fire hangover remedy is tripe soup. In Poland, drinking sour pickle juice
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Rob Drabkin - Solo acoustic concert
February 27
featuring Rob’s latest CD release. Voted Colorado’s Best Singer-Songwriter by Saturday, 7:30 PM Westword Music for ‘08 and ‘09!
OFF SITE CATERING
Available for your events Go to: www.ericsmonumentgrille.com for additional information
Louisiana Texas Style Blues while celebrating Valentines and Mardi Gras all in one night!
March 12
FREE WiFi available for our customers
February 27 Wendy Woo & Robin Hoch - Acoustic Friday, 7:30 PM Sat. 7:30 pm duo with Wendy on guitar and Robin on Chuck Pyle - The Zen Cowboy is always intriguing the audience viola are back by popular demand! with his humble, yet straight forward infectious melodies. March 12 Chuck Pyle - The Zen Cowboy is always
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Wendy Woo & Robin Hoch - Acoustic duo with Wendy on guitar February Dee Band - Get a taste of and Robin on13 violaSammy are back by popular demand! Sat. 7:30 pm
CAFFE LATTES AND CAPPUCCINOS
SEE OUR MENU ON OUR WEBSITE: www.ericsmonumentgrille.com
Tri-Lakes Center for the Arts Presents Sat. 7:30 pm
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January 23
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• The Hundred Years’ War actually lasted 116 years.
*** Thought for the Day: “The most wasted of all days is one without laughter.” -- E.E. Cummings
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• If you’re like most Americans, you’ve stolen from your employer -- though probably not much. It seems that 58 percent of your fellow citizens admit to taking office supplies for personal use.
• Although we tend to think of the bikini as a modern fashion innovation, twopiece bathing suits can be seen in murals in the ancient city of Pompeii.
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• Do you suffer from pogonophobia? If so, you probably have some issues with Santa. Pogonophobia is a fear of beards.
• Albert Einstein’s final words are lost to history. He spoke his last words in his birth tongue, German, and it seems that the nurse who was attending him during his last moments spoke only English.
Your child and guests will make their own ice cream. One delicious learning experience!
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• The shortest street on record can be found in the small town of Wick, Scotland. Ebenezer Place is a mere 6 feet, 9 inches long. Samantha Weaver
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intriguing the audience with his humble, yet straight forward infectious melodies.
March 21
Sunday, 2:30 PM Quartet - Chamber Hausmusik String
March 21 Hausmusik Stringmusic Quartet - Chamber Sun. 2:30 pm at its finest! music at its finest!
Contact the Tri-Lakes Center for the Arts or visit our website at www.trilakesarts.org for more detailed information. 719-481-0475 * 304 Hwy 105 * Palmer Lake, CO
(719) 594-4300 1455 Cipriani Loop Monument, Co 80132
13
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Give away begins on Monday, February 15, 2010. $100 gift card will be given away from previous weeks entries. Give away will take place on or after 2pm every Monday during the length of the give away. Last give away will take place on Monday March 15, 2010. Must register with valid email address or be present to win. Entries from earlier weeks will not be included in current weeks drawing. Give away at each location will be limited to the entries received at that location. Enter as many times and as many weeks as you like. No purchase necessary. Must be over 18 to take place in give away. You will have three weeks after the date of email notification to pick up gas card at location of drawing.
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SNIPPETZ DINING GUIDE ®
PATRICIA’S CAFÉ
BABA GANOUSH (EGGPLANT DIP)
B
aba Ganoush is a popular mezzeh (small appetizers) in the Arab states and is served with flat bread cut. It goes well with hummus and skordalia (a Greek potato garlic dip) as a nice trio of dips with pita bread warmed and cut into wedges. I will often garnish with some olive oil and some diced tomatoes. A little feta cheese works well too as a garnish. Baba Ganoush also works well as a spread on sandwiches with some roasted red peppers, onions, sprouts and feta cheese. As always I like garlic and lemon so feel free to cut back and both or add more if you like more. I always use fresh lemons and juice them myself because it does make a difference in the flavor. I also always use fresh garlic for the same reason.
2 ea Eggplants 1/3 c Fresh lemon juice ¼c Tahini 6 ea Garlic cloves ½ tsp Kosher salt 1. Bake eggplant at 400°F for about 40 minutes until soft and let cool 2. Skin eggplant and place in a food processor with rest of ingredients and puree until creamy.
As I have said in the past eggplant is always a tricky one. When picking out an eggplant, there is a trick. If you look at the end (I call it the belly button, on the opposite end of the stem), look for it to have a line as opposed to a dot. This will be sweet not bitter. The eggplant can be cut in half and grilled out on the bar-b-q for a nice grilled flavor.
Be creative, have fun and enjoy!!!
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Serving Anne & Mann’s Gourmet Ice Cream
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Shakes • Malts • Cones • Sundaes • Banana Splits Root Beer Floats • Chicago Style Hot Dogs Bratwurst • Soups • Chili
CLOSED FOR THE SEASON WE WILL REOPEN IN MARCH Please Stay Tuned for the Announcement!! Rock House Ice Cream
488-6917
Red peppers 1/2 teaspoon salt 1/4 teaspoon freshly ground black pepper 4 ounces (1 cup) provolone cheese, shredded 4 (6-inch) hero rolls
These Unique and Delicious Recipes are presented to you by Pat McClelland - owner of Bella Panini in Palmer Lake and Bayou BarBQ in Monument
BAYOU BARBQ
Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine
GOOD HOUSEKEEPING ONE
PEPPER AND EGG SANDWICHES
A
dd an instant taste of summer to savory winter dishes with a peck of bright peppers. When you can’t -- or don’t have time to -- grill them yourself, grab a 12-ounce jar off the pantry shelf, drain well and chop, and try them in this quick recipe.
1. Spray 12-inch nonstick skillet with nonstick spray; then heat on medium 1 minute. Add onion and cook, covered, 10 minutes or until lightly browned, stirring occasionally. 2. Meanwhile, in bowl, whisk together eggs, salt and pepper. Add red peppers to onion in skillet. Pour eggs over vegetables; cover and cook 8 minutes or until almost set, stirring occasionally. Sprinkle with provolone cheese; cover and cook 2 minutes or until cheese melts. 3. Spoon egg mixture into hero rolls, split. Serves 4
For thousands of triple-tested recipes, visit our Web site at www.goodhousekeeping.com/recipefinder/.
1 large sweet onion, chopped (c) 2010 Hearst Communications, Inc. All rights reserved
8 large eggs
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SNIPPETZ PUZZLES AND TRIVIA ®
Trivia Test
By Marge Svenson
1. LANGUAGE: What country once was known by the Latin name of Caledonia? 2. GEOGRAPHY: Guadalcanal is part of which island group in the Pacific Ocean? 3. MOVIES: Which actors voiced the two main characters, Woody and Buzz, on the “Toy Stories” movies? 4. INVENTIONS: Who is credited with inventing the Hula Hoop? 5. TELEVISION: Who played the character Latka Gravas on “Taxi”? 6. MYTHOLOGY: What was domain of the Greek god Aeolus? 7. HISTORY: In what war were tanks first used? 8. U.S. STATES: What is the only letter of the alphabet that does not appear in the name of any U.S. state? 9. MEASUREMENTS: The term “vicennial” refers to a period of how many years? 10. GENERAL KNOWLEDGE: What is the symbol for the zodiac sign Capricorn?
Sports Quiz
By Chris Richcreek
1. In 2009, Ian Kinsler became the fourth Texas Rangers player to hit for the cycle in a game. Name two of the first three to do it. 2. How many times has St. Louis’ Albert Pujols hit fewer than 32 home runs in a major-league season? 3. Who was the last running back to win an NFL rushing title and a Super Bowl in the same season? 4. Twice during the 1980s, a school had back-to-back winners of the John Wooden Award for the top men’s college basketball player. Name the two schools and the players involved. 5. Colorado goaltender Craig Anderson tied an NHL record in 2009 for most wins in October (10). Who else holds the mark? 6. Who was the last NASCAR driver before Jamie McMurray in 2009 to win one of the final 10 races of the season despite not being in the Chase for the Cup? 7. Name the first female to win 100 career matches at tennis’ U.S. Open.
(c) 2010 King Features Synd., Inc.
(c) 2010 King Features Synd., Inc.
1. The Carpenters had a No. 1 pop hit with “Please Mr. Postman” in 1975. Who had a No. 1 hit with the song before that? 2. What is the correct name of the song that’s often called “Rollin’ on the River”? 3. In April 1964, the Beatles held the top five positions on the pop charts. Name the five songs in order. 4. Who was called “The Godfather of Soul,” and how many No. 1 hits did he have? 5. What do singers Pat Boone, Irene Cara, Gladys Knight and Frank Sinatra have in common? 6. Who sang “Midnight at the Oasis,” and when? (c) 2010 King Features Synd., Inc.
In order to keep everyone honest (you know who you are,) we have moved the answers and solutions to the trivia and puzzles to the next page (17).
New DVD Releases for Week of February 22, 2010 PICKS OF THE WEEK
“The Informant!” -- Matt Damon stars as Mark Whitacre, a chubby executive turned FBI informant in this hilarious Steven Soderbergh comedy about the 1990s Archer Daniels Midland price-fixing scandal. I know. When I first heard that Matt Damon was going to star in a movie about a conspiracy concerning livestock feed, I thought, “What the heck?” But believe me, this is a
movie that has all the wackiness of a Marx Brothers comedy combined with the same social awareness and passion that Soderbergh brought to “Erin Brockovich.” Damon’s character is brilliant: a pudgy buffoon who imagines himself to be James Bond, but he’s really more Maxwell Smart. “The Informant!” is one of the best films of 2009, and after watching it, you’ll agree. “The September Issue” -- For nearly a quarter century, Anna Wintour has been the head of Vogue magazine, the bible of the fashion industry. Her reputation for being a ruthless and strong-willed dynamo was the basis for Meryl Streep’s character in “The Devil Wears Prada” and for Edna Mode in “The Incredibles.” “The September Issue” is a brilliant, entertaining look at the chaos behind the scenes of putting together the September 2007 issue of Vogue -- the year’s largest and most influential edition. If you love “Project: Runway,” and dishy, catty drama, then this hot, two-disc mess is just for you.
“Motherhood” -- Uma Thurman stars as Eliza, a stay-at-home mom who tries to pull it all together during one crazy day where she has to plan and set up her 6-year-old’s birthday party, keep her car from being impounded, save her bicycle, touch base with her best friend, help her scatter-brained husband and get around to writing her blog about being a mom. It’s all wacky, madcap fun for moms in the audience, but frankly, if Uma isn’t wielding a katana and bisecting masked yakuza, I’m not really that interested. “Justice League: Crisis on Two Earths” -- DC Comics has a solid track record with their direct-to-DVD animated films, and “Crisis on Two Earths” is yet another solid release. In this film, the Justice League (Superman, Batman, Wonder Woman and others) must travel to a parallel Earth where they must defeat the Crime Syndicate -- an evil version of themselves. It’s kind of like that old “Star Trek” episode “Mirror, Mirror” without the goatees.
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TV SERIES “Jersey Shore” Season 1 “Nurse Jackie” Season One “Night Court” The Complete Third Season “Trailer Park Boys” Countdown to Liquor Day “Project Runway” Season Six “FlashForward” Season One, Part 1 “Human Spark With Alan Alda” “The Universe” The Complete Season Four “Ghost Hunters” Season Five, Part One “My Three Sons” Season Two, Vol. 1 “Adam-12” Season Four “Midsomer Murders” Set 14 (c) 2010 King Features Synd., Inc.
SNIPPETZ COMICS AND ENTERTAINMENT ®
HUEY’S PAGE
Answers & Solutions
TRIVIA TEST ANSWERS 1. Scotland 2. Solomon Islands 3. Tom Hanks and Tim Allen 4. Richard Knerr and Arthur “Spud” Melin 5. Andy Kaufman 6. God of the winds 7. World War I 8. The letter “Q” 9. 20 years 10. The goat
FEBRUARY 22, 2010
SPORTS QUIZ ANSWERS 1. Oddibe McDowell (‘85), Mark Teixeira (‘04) and Gary Matthews Jr. (‘06). 2. In nine major-league seasons entering 2010, Pujols has never hit less than 32 home runs. 3. Denver’s Terrell Davis in the 1998 season. 4. Virginia in 1982 and 1983 (Ralph Sampson both years) and St. John’s in 1985 and ‘86 (Chris Mullin and Walter Berry). 5. Detroit’s Manny Legace had 10 October wins in 2005. 6. Greg Biffle in 2007. 7. Chris Evert, who won 101 matches at the U.S. Open during her career.
FLASH BACK ANSWERS 1. The Marvelettes in 1961. It also reached No. 1 on the R&B charts. 2. “Proud Mary” (1969) was a No. 2 hit for Creedence Clearwater Revival. 3. “Can’t Buy Me Love” (1), “Twist & Shout” (2), “She Loves You” (3), “I Want to Hold Your Hand” (4), “Please Please Me” (5). 4. James Brown. Despite having 114 hits during his long career, he never had a chart topper. 5. They were all contestants on the “Ted Mack Original Amateur Hour,” an early version of shows such as “American Idol.” 6. Maria Muldaur, in 1974.
LIBRA (September 23 to October 22) An idea that could be helpful to you comes from an unlikely source. Listen to it. Discuss it. If necessary, adjust it. If it looks as if it might work out quite well, go ahead and use it.
ARIES (March 21 to April 19) There could be some negative reaction to your tough stance when making a recent decision. But overall, your efforts result in well-earned recognition and all that can follow from that.
SCORPIO (October 23 to November 21) Be careful about allowing someone to share a very personal secret with you. This could cause problems down the line with others who are involved in that person’s private life.
TAURUS (April 20 to May 20) Your financial situation seems confusing, even for the fiscally savvy Bovine. Maybe it’s the conflicting advice you’re getting. Check it out before things get too tangled to unknot.
SAGITTARIUS (November 22 to December 21) A cooling down of a relationship could be the result of neglect, unintended or not. To save it from icing over, you need to warm it up with a large dose of hot Sagittarius passion.
GEMINI (May 21 to June 20) A relaxed attitude goes a long way in helping you deal with any of life’s irritants that might be popping up this week. You’re also a reassuring role model for others in the same situation. CANCER (June 21 to July 22) Your aspect favors creativity, which should persuade you to work on your artistic projects. If time is a problem, prioritize your commitments so that your work isn’t compromised. LEO (July 23 to August 22) Scrutinize all the job offers that interest you. Most are honest and worth considering. But a few might not be completely forthcoming about what the job is and what the salary and benefits are. VIRGO (August 23 to September 22) An unexpected snafu could delay the completion of a project you’re eager to finish. Find out what’s causing it, fix it, and if you need help, don’t be shy about asking for it. Good luck.
17
CAPRICORN (December 22 to January 19) This is a good time to get involved with a number of family matters that involve money and other issues that might jeopardize the closeness between and among family members. AQUARIUS (January 20 to February 18) Cheer up. That difficult person who appears to be deliberately stalling your project might just need to be reassured of the value she or he brings to it. PISCES (February 19 to March 20) Good news! Expect to feel re-energized now that you’ve gone through that stressful energydepleting period involving a lot of changes. Now, go out there and show them what you can do. BORN THIS WEEK: You have a warm, giving nature that inspires many to follow your example. (c) 2010 King Features Synd., Inc.
SNIPPETZ® BUSINESS AND FINANCE
FINANCIAL FOCUS
HOW DOES TAX-FREE INCOME SOUND?
NEW IRA OPPORTUNITIES FOR 2010
TIME TO TAKE RETIREMENT PLAN DISTRIBUTIONS?
You’re Invited … A new tax law change makes this year a particularly good time to consider converting from a traditional, SEP or SIMPLE IRA to a Roth IRA. Find out why at our free seminar Roth IRAs: Retirement Can Be Less Taxing. You’ll learn about:
Provided by Adam Grayson of EdwardJones Investments
❚ Differences between traditional and Roth IRAs
Y
❚ Features of the new tax law change
ou may not have the pictures, suntan or souvenirs to show for it, but if you’re at least 70-1/2, you’ve just finished a “vacation.” And that means you’ll have to do some work — on determining how much to take out of your retirement plans this year.
❚ Benefits of converting to a Roth IRA and important tax
considerations
Call today to reserve space for yourself and a guest at this free educational seminar. Edward Jones, its employees and financial advisors do not provide tax or legal advice. Please contact a qualified tax or legal professional regarding your situation.
Typically, when you reach 70-1/2, you must start taking withdrawals (“required minimum distributions,” or RMDs) from your traditional IRA or your employersponsored retirement plan, such as a 401(k), 403(b) and 457(b). However, the sharp decline in the financial markets in 2008 led Congress to give you a one-year vacation from taking RMDs in 2009 so that you wouldn’t have to cash out assets whose value had fallen significantly.
Dinner will be served.
[Enter RSVP]
Date: Tuesday, February 23, 2010 Time:6 p.m. Location: Bella Panini Restaurant Palmer Lake, Colorado RSVP: Kathy Williams at 719-481-4964
But 2009 is over, and so is your RMD vacation. So if you must take distributions this year, you’ll need to do some planning.
Adam R Grayson Financial Advisor .
755 Hwy 105 Suite M-4 Palmer Lake, CO 80133 719-481-4964
www.edwardjones.com
For starters, you’d probably like to know how much you’d have to withdraw. You can calculate your RMD by dividing the last year’s retirement account balance, as of December 31, by a life expectancy factor, found in the Internal Revenue Service’s Uniform Lifetime Table. Your financial advisor or tax professional can provide you with this figure.
Member SIPC
Once you know your RMD, you can then decide whether to take this amount or to withdraw more. Obviously, during your retirement years, one of your key financial goals is to avoid outliving your income, so you may want to try taking the minimum distributions for as long as you can. Also, these distributions are taxable, so the less you take out, the lower your tax bill may be. But if you need the money, won’t you
IT’S TIME TO MAKE THE WORLD
A BETTER PLACE
be forced to take more than the minimum amount? Not necessarily. In addition to your IRA, 401(k) and whatever other accounts might trigger RMDs, what other sources of income do you have? You’ve probably already started taking Social Security, so you can’t change that amount, though you will normally receive cost-of-living adjustments. (In 2010, however, there will be no such adjustment.) Consequently, if you want to avoid taking more than minimum distributions, you will need to look at your investments held outside your RMD-triggering accounts. First, consider your Roth IRA, if you have one. Unlike a traditional IRA, a Roth IRA is not subject to RMD rules, so your money can potentially keep growing. But if you want to minimize your taxable distributions, you may want to tap into your Roth account. Next, review your other investments. Specifically, consider your mix of investments. Can you adjust this mix to possibly provide you with enough income to help you avoid exceeding your RMDs? For example, can you add incomeproducing investments, such as bonds, without depleting your portfolio’s growth potential? Even in retirement, you’ll likely need growth opportunities to help you stay ahead of inflation. You may also want to consider dividend-producing stocks. While you don’t want to take on too much risk in your retirement years, you can find many quality stocks that produce, and even increase, their dividends year after year. (Keep in mind, though, that companies can reduce or eliminate dividends at any time.) The RMD vacation was nice while it lasted. But now that it’s over, consider taking the steps necessary to provide you with sufficient income today without draining your resources for tomorrow. 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
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SNIPPETZ BUSINESS AND FINANCE Second, you must have a proposed franchise agreement, setting forth in considerable detail the rights and obligations of both the Franchisor and the Franchisee.
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
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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. 13540 Northgate Estates Dr., #200
Colorado Springs, CO 80921 (719)488-9395 Please visit our comprehensive website for divorce information: www.cmeyerlaw.com
NEW TV TECHNOLOGY CAN BE CONFUSING
D
o you dread having to buy your next TV, not because of the price but because of the new technology? If you haven’t bought a new television in quite a few years, your best bet is to get up to speed on what’s out there. The two big choices now are plasma or LCD televisions. LCD TVs have the widest range of sizes and are good for rooms with a lot of light. When shopping for an LCD TV, you’ll see descriptions such as 32inch class/720p or 40-inch class/1080p.
THE LAW ACCORDING TO STEVENS by Lisa Welch Stevens, Attorney at Law P.C.
FRANCHISING YOUR BUSINESS: WHERE DO YOU BEGIN? © Lisa Welch Stevens, Esq., May, 2005
Y
our dreams have come true – your business has succeeded. You would like to expand into other geographic areas without risking your own capital to do so. Franchising your business format might be the right path to take. But what do you need to do from a legal point of view to make it happen? Franchising is regulated by the federal government and many states, and it is important to comply with those federal and state regulations.
Third, you must have an offering circular or prospectus prepared in accordance with federal and/or state guidelines, which must contain certain mandatory disclosures. This must be registered with the Federal Trade Commission, and with certain states in which you intend to offer franchises. Not all states require state registration in addition to the federal registration. Colorado is not a state that requires state registration.
Before you offer a franchise to or enter into negotiations with any prospective franchisee, you must provide that prospective franchisee with a copy of the offering circular or prospectus at the earlier of ten (10) business days before either execution of a binding contract, or payment of consideration, or the first personal meeting between the franchisor and the prospective franchisee. It is important to note that you cannot avoid federal and state regulation by calling your arrangement something other than a franchise; if it looks like a franchise and acts like a franchise, it will be treated as a franchise.
This is only an extremely brief introducFirst, you need at least one registered tion to what is a complex topic; as always, contrademark or service mark, identifying your sult your legal advisor regarding your specific business’ goods or services, which you will be situation. licensing franchisees to use in following your business format. This trademark or service mark may be registered with either a state’s Secretary of State’s Office or with the United States Patent & Trademark Office. State registration is considFor additional information contact, erably less expensive and more quickly obtained Lisa Welch Stevens, Attorney at Law P.C. than federal registration, but provides protection Representing Colorado Businesses only within that state. If you intend to franchise and Business Owners out of state, it is best to apply also for federal 719.488.9395 registration.
Plasma TVs are subject to glare from windows and look best in low- to normal light. They’re good for fast-action sports and video games. Plasma TVs will have descriptions such as 50-inch class/1080p or 42-inch class/720p.
shop.
That “p” number is one to watch, because it denotes the resolution. Each “p” number is the number of lines on the screen. If you play a lot of video games, the 1080p will likely work better for you. If you only watch television, the 720 should be sufficient, as many shows are only broadcast at 720p, depending on your cable provider.
One place to look online for help in deciding between plasma and LCD is BestBuy.com. It understands that the new technology can be confusing and has developed a section of the Web site to help you not only understand, but to select a TV within your price and size requirements. To find the information, go to the site, click the TV and Video button, click TV on the left side list, then select HDTV Basics to learn more, or Help Me Choose to narrow your choices.
Check your available space before buying a new television, especially if you’re not going to hang it on the wall. The new screens are wider but not as tall. Measure the height and width of your current television screen before you go shopping. Take a tape measure with you. Consider the size of your room and viewing distance. Measure from your TV to where you usually sit, and take that information with you when you
19
Check with your cable provider to see if you already get an HDTV signal or if you’ll need to upgrade your package.
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) 2010 King Features Synd., Inc.
®
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