Snippetz Issue 436

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© 2010 - FUNDER ENLIGHTENING INC. • FREE WEEKLY • ISSUE 436 • MARCH 8, 2010

n Ip pe t z OF NORTHERN EL PASO COUNTY & LARKSPUR

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FIRST NATIONAL BANK MONUMENT

®

SNIPPETZ HONORS GIRL SCOUTS OF AMERICA

by Deborah Stumpf

625 Hwy 105 Member

719-481-0008

11 Month Certificate of Deposit

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A SPECIAL BRAND OF ACCOUNTS All your protection under one roof.

“Girl Scouts offered a wonderful group of girls where common concerns and interests could come together. We could learn, be challenged, and support one another. It was a very positive aspect of my life and played an important role in shaping who I am today.”

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Larry E Stiltner Agency All your protection 481 Hwy 105 Suite 212 under one roof.

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©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

Judy Woodruff Senior Correspondent, PBS NewsHour & Girl Scout Alumna

G

irl Scouts of the USA is 98 years old this month! In 98 years, the organization has grown from 18 starting members to 3.4 million. About 50 million women have been members of Girl Scouts since its inception. The girls’ organization is committed to providing a nurturing environment enabling girls to attain skills for success in childhood and adulthood. Their mission: build girls of courage, confidence and character, who make the world a better place.

Girl Scouts of America... Continued on Page 2

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SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR

C O U N T S

C O U N T S

719-488-2544 WE’VE

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Moments In Time... 8

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THIS WEEK IN SNIPPETZ

Senior News Line... 12 Strange But True... 13

Girl Scouts of America... Continued from Page 1

STYLE 5

COMING UP DAISIES

Kim’s Korner

REAL ESTATE 9 Robin’s Rap... 9

SNIPPETZ BUSINESS DIRECTORY PAGE 10 Local Businesses on the Go!

HEALTH AND WELLNESS 10-11 To Your Good Health...

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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 COOKS UP SOME POTATO SNIPS

Girl Scouts was founded in 1912 by Juliette “Daisy” Gordon Low in Savannah, Georgia. Low was born in 1860 and grew up with parents who encouraged and supported her in all her endeavors. She liked everything but school – animals, outdoors, sports and art. She attended boarding school during her high school years and was privileged enough to travel extensively as an adult. On one of her trips to England, Low became friends with Lord Baden-Powell who founded the boy scouts along with his sister Agnes.

Excited about the scouting organization in England, Low believed girls in the United States needed this kind of opportunity. As soon as she returned home from her transatlantic trip, she went to work starting the scouting organization for girls in Savannah. Although she was an unlikely candidate to begin an endeavor like this – she suffered health problems and did not possess especially good business skills – she believed in the cause and went forward.

And what an organization it has become.

THE ORGANIZATION The national headquarters is in New York City and there are more than 100 Girl Scout councils (offices) around the country that support the local troops. The home office and councils have employees, but by far the largest “staff” is made up of volunteers – parents and others who act as troop leaders.

SPEAKING OF LEADERSHIP Girl Scouts is all about teaching girls leadership skills.

Their philosophy is that there are three keys to leadership – discover, connect and take action. Within these keys are leadership outcomes.

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• In 1934, scouts in Philadelphia became the first to sell cookies commercially baked, followed by a large council in New York to do the same in 1935.

• In 1936, the national organization began selling commercially baked cookies. Apparently selling like hot cakes, the cookies were being sold by 125 local councils by the next year.

• In 1942, the cookie was temporarily set aside for calendar sales due to rationing of baking supplies during World War II. • In 1948, 29 commercial bakers held a license to bake Girl Scout Cookies.

• By the mid 1950s, there were four flavors of cookies – shortbread, chocolate mint (now called Thin Mints), a filled chocolate cookie and a filled vanilla cookie.

• In the mid 1960s, the baby boomers became scouts and introduced additional cookie flavors including peanut butter.

• In the 1970s, packaging became more standardized and colorful. There were also fewer licensed bakers in the country to fulfill orders, ensuring even more standardization of product.

• In the early 1990’s, there were only two licensed bakers providing cookies, and low fat and sugar free options became available. By the end of that decade, it was back to three bakers.

• Now there are two licensed bakers and about eight varieties of cookies.

LEVELS OF GIRL SCOUTS Girls work through the ranks based on age. With the goal of leadership skills in the forefront, girls have an opportuGirl Scouts of America... Continued on Page 3

Discover – girls develop a strong sense of self; positive values; gain practical life skills; seek challenges in the world; and develop critical thinking skills.

Connect – girls develop healthy relationships; promote cooperation and team building; resolve conflicts; advance diversity; and feel connected to their communities, both locally and globally.

Take action – girls can identify community needs; become resourceful problem solvers; advocate for themselves and others, both locally and globally; educate and inspire others to act; and feel empowered to make a difference in the world.

AND THEN THERE WERE COOKIES ALL RIGHTS RESERVED © 2010

to bake for fundraisers if they so desired. The girls packaged them in wax paper bags and sold them, usually doorto-door, for 25 to 35 cents per dozen.

Ever wonder how the Girl Scout cookie got started? Well, it started with scout mothers and their girls baking sugar cookies at home and selling them to raise funds for scouting activities. This started as early as 1917. The Girl Scout Web site reports that the earliest recorded cookie sale took place in Muskogee, Oklahoma where girls baked cookies to sell at their high school as a service project. By 1922, Girl Scouts published a sugar cookie recipe for all scouts

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

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Continued from Page 2 nity to learn valuable life skills and earn badges and other awards. The youngest girls are Daisies (kindergarten age). Then the girls move to Brownies (first through third grades); Juniors (fourth through sixth grades); Cadettes (seventh through ninth grades); and Seniors (ninth through twelfth grades).

BEYOND THE BADGE Girls in the older levels can also earn the very prestigious bronze, silver and gold awards, which are awarded for completing service projects that have extensive requirements. Girls are honored at an endof-year ceremony in their communities and can include these impressive awards on their college applications.

THE ORIGINAL AWARDS: • From 1916 to 1919, Girl Scouts could earn The Golden Eagle of Merit by making a difference in their communities.

• The Curved Bar Award was the highest award in scouting from 1940 to 1963.

• From 1963 to 1980, First Class was the award to earn. This designation meant that a girl was an “all around” person with many skills.

INTERESTING FACTS • The first Girl Scout handbook was named “How Girls Can Help Their Country,” published in 1913.

• The first Girl Scouts were called Girl Guides.

• Learning how to play basketball was the very first group activity done by Juliet Gordon Low’s inaugural troop of 1912.

• The Thin Mints are the hottest seller of all cookies with 25 percent of sales. The Samoas or Caramel deLites come in as a close second at 19 percent.

• The same cookie is named differently in different regions of the country depending on who the cookie supplier is.

• The first uniform was blue.

• First Lady Lou Henry Hoover was elect-

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ed twice to be president of the Girl Scouts of the USA. • By 2005, about 67 percent of women in the House of Representatives were Girl Scouts and over 71 percent in the Senate were scouts.

THAT’S A LOT OF COOKIES In 2008, 15-year-old Jennifer Sharpe of Dearborn, Michigan sold 17,328 boxes of cookies by tenaciously selling cookies on a street corner in her neighborhood. Although Girl Scouts does not track individual sales, it is likely Sharpe set a world record.

FAMOUS GIRL SCOUTS Elizabeth Dole - former president, American Red Cross Lois Juliber – former COO at Colgate-Palmolive; current board chair at DuPont Elaine Jones – former head of NAACP Legal Defense & Education Fund Nancy Reagan - wife of president Ronald Reagan Hillary Rodham Clinton, Hillary – secretary of state, former U.S. senator & wife of president Bill Clinton Laura Bush - wife of president George Bush, Jr. Madeleine Albright - former U.S. secretary of state Dr. Joyce Brothers – psychologist and advice columnist Lt Col Eileen Collins – first woman space shuttle commander astronaut Sandra Day O’Connor – first female U.S. Supreme Court justice Katie Couric – TV anchorwoman and journalist Walters, Barbara – TV anchorwoman and journalist Carol Elliot - brigadier general, USAF Bonnie Blair – 1994 gold Olympian speed skater Peggy Fleming - 1968 figure skating gold Olympian Dorothy Hamill - 1976 figure skating gold Olympian Nancy Lopez - pro-golfer Gloria Steinem - author Judith Viorst - author of poetry collections and children books

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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.

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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

GRAND OPENING AT TRI-LAKES TIKI TANS!

Monument Plaza 481 Hwy 105 #210 Monument, CO 80132 (719) 487-2744

MONUMENT - Kyrsten and Brad Dail will celebrate the Grand Opening of Tri-Lakes Tiki Tans on Saturday, March 13, 2010 from 9:00AM to 12:00PM. The celebration will include an IPod giveaway, free product samples and 20% off products and services, which will be applicable for the entire day.

TRI-LAKES TIKI TANS

"your little bit of Paradise in your own back yard"

GRAND OPENING!!

SATURDAY, MARCH 13TH 9:00AM - 12:00PM

Heatwaves Tanning Salon was purchased by Brad and Kyrsten Dail in December ’09. It has been totally remodeled and is now open under the new name of Tri-Lakes Tiki Tans, Inc. The business remains located in the Monument Shopping Center behind Rosie’s Diner. To address the needs of their customers, the new operating hours are from 9am – 8pm, Monday through Saturday, and 10am – 7pm Sunday.

Brad says, “We look forward to serving the Tri-Lakes area with our remodeled location and our family atmosphere.

Kyrsten, has been a career tanner for several years, enjoys meeting and greeting people and has tanned at different locations over the years and has compiled what she likes and dislikes and has brought that out in Tri-Lakes Tiki Tans, Inc.” Brad, who isn’t a tanner enjoys meeting new people and providing a service in this small town that is “above the bar and is tailored to you the customer.”

Tiki Tans has 5 lay-down beds, 1 standup booth, spray tanning by appointment only and a water massage bed.

Kyrsten offered, “We will be offering year-round bathing suites and beach attire for all your vacation needs.

So, if you’re getting ready for a vacation, a special event or just wanting to relax, stop by and see us for the best rates in town.”

Brad and Kyrsten are looking forward to meeting you and their resident dog “Toby” looks forward to greeting everyone. They are excited and shared, “Thanks again for your support! The Dail family.”

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We carry Pureology Products

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New Classes in Resin and Enamel!

Stop In And See Our New Merchandise Line!

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SELECTING KIMS Ask About Our New Year OffEXTERIOR er!

KORNER PAINT COLORS

Date: 3/14/10

Sunday

Time: 10:00-3:00

by Kim Carson

Microsoft

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pring is almost upon us and for not clash with the neighbors’ houses. some that means sprucing up It then becomes a lose-lose situation. the exterior paint colors on their Choose a scheme that blends with the houses. Here are some common mis- neighborhood or stands out in a suitable, unobtrusive manner. takes to 366 avoid Second in selectingStreet, exterior paint Monument colors. Ron Heard from CertaPro, points out the some common mistakes Landscaping counts, consider trees to avoidwww.FloorsandWindows.com when selecting your exterior that change color, flowering shrubs and flower gardens when selecting colors paint colors.

Expires: 1/31/08 for priorcompatibility.

Heavily wooded Present this certificate to your Nationwide Floor and Window Coverings Designer to placing your order. Only one coupon per family. Offer good for window covering of equal or lesser value.

“Don’t assume that a colorful and lots will make colors look darker due imaginative color scheme will cost a to shade and also camouflage homes, great deal more for product and labor. so attention to detail is needed. Greens Unless the scheme is a “painted lady” are not an ideal choice for this situation with numerous colors, this is rarely the unless your goal is to hide the house in the trees.” case.

SPRING CLEANING: Join us on Sunday, March 14th at Muttz N’ Stuff in Parker and let us wash your dog or come help us wash!

Don’t ignore the neighbors’ houses the color scheme you choose should

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Next week we will cover the color placement for exteriors.

What’s the best part you ask? You go home with a clean dog, your donation is tax deductible and ALL the

COST: $15 for small dogs (under 30lbs) $25 for large dogs (30lbs and over)

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Like to know more?

Kim can be reached at 719-487-7767

Spring Into March! Shake The Winter Blues... New Items Arrive Daily!

JUSTIN PALMER 481 Hwy 105 • Ste B - 188 Monument CO 80132 REPAIRS AND PROFESSIONAL INSTALLATION OF:

(Excludes sale items) (expires 3/31/10)

Avoid accent colors on unattractive elements such as gutters, downspouts, protruding garage doors, air conditioning units and unevenly placed windows.

Paint these items the same as the main body color.

Mino Fuller from Hands on Hounds will be there to offer consultations, massage, and reiki to anyone interested.

One (1) Item

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TAI YI SEASONAL CHANGES, SPRING IS AMONG US

Do you ever feel medication may not be enough?

Or,

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any are aware of SAD (Seasonal Affective Disorder) and other ailments that can be common in the winter season. With few hours of sunshine and even fewer hours of being outside in the sun, for many of us, we can feel the symptoms of low or sluggish energy levels and/or mild depression in some cases. Very easy ways to remedy this is to spend more time in the sun when possible (and when not at risk of extreme temperature exposure), exercise, adequate sleep, and making appropriate changes to the diet, as well as bringing in natural light into the home, office, and/or room. In the meantime, spring is just around the corner and brings warmer temperatures, new ideas, and more opportunities to begin new projects or to expand current projects.

For every season there are guidelines that are beneficial to follow that will add benefit to the currents season. When we follow the guidelines, we can experience a shift in how we are responding to the natural changes of the earth and in essence benefiting from those changes.

People can benefit in the spring by following these guidelines: adding carbohydrates slowly, adding exercise, and beginning new projects. Spring is a wonderful time to begin new projects as well as learning new things. Spring is about renewal. If one is pondering about learning a different language, a new subject, or improving an ability, spring is the time to begin.

A Tai Yi (pronounced Tie Yee) exercise/ treatment that can help with spring and the other three seasons is Earth Core Balance.

Earth Core Balance is for assisting in balancing the body with the earth changes. It will also assist in feeling passion. Passion

JEFF BURUM TO HOLD MARCH 19th ROTH CONVERSION SEMINAR Monument, CO - Jeff Burum, CPA, MBA LLC and Professional Financial Planning, Inc will be hosting a Roth Conversion Seminar to be presented by Stephanie Curry, CLU, ChFC, CFP, FLMI, and Assistant Vice President of the Retirement Resources Group at Pacific Life Insurance Company on Mar 19th, 1130 am-1:00 pm at the Jackson Creek Commerce Center; 16055 Old Forest Point, Ste 300, Monument, CO 80132. The seminars will include a light lunch-in; to RSVP, please call 719.488.5637 or 719.596.3718, visit the website at www.jeffburum.com, or contact us via email at jbcpa_co@hotmail.com.

Jeff and Stephanie will be discussing the recent changes to the Internal Revenue Code (IRC) which facilitate conversions from traditional IRAs to Roth IRAs. They will then discuss the advantages and disadvantages, as these changes may affect an individual’s current and future taxation as well as future financial planning. It is im-

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is critical to creating new changes in life and creating new projects in work. Americans, as a whole, lack in feeling of passion, whereas, Europeans typically feel more passion. Ones’ level of passion is usually associated with their level of joy.

EMPOWERMENT THROUGH HEALING, LLC Tai Yi Energy Practitioner - Tami Urbanek Under mental, emotional, or physical stress? Low immune system? Anxiety? Depression? Lack of focus?

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.

Tami Urbanek

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For more Tai Yi exercises and Tai Yi History, visit: www.empowermentthroughhealing.com

FREE 30 MINUTE CONSULTATION WITH SESSION turbanek1@msn.com • www.empowermentthroughhealing.com • Monument, CO

THE PALMER LAKE HISTORICAL SOCIETY PRESENTS “AN EVENING WITH LUCRETIA VAILE”

portant to note, that while these strategies may be beneficial and may provide unique opportunities, they are not new and are in fact somewhat similar to Roth conversion strategies implemented by Congress in 1998. In fact, the new laws may not even be useful as individuals can convert any amount of IRAs to Roths right now and control their own individual taxation by making gradual conversions each year rather than all at once.

J

oin the Palmer Lake Historical Society for an entertaining and informative evening about the life of one of Palmer Lake’s most influential citizens. Ms. Cathleen Norman, a member of the Historical Society, will portray Lucretia Vaile as she presents the life and contributions of Ms. Vaile through pictures and “recollections.”

In reality, an individual should consult IRS Publication 590 to understand the rules for traditional and Roth IRAs, and then consult their tax and financial advisors BEFORE taking advantage of any changes to the IRC and changing their financial plans.

Stephanie Curry has 30+ years of industry experience. Stephanie’s experience encompasses a variety of financial positions from individual inside and outside sales, wholesaler, advanced life consultant, and advanced annuities consultant. Stephanie has sold a broad spectrum of financial service products including annuities, mutual funds, life insurance, and property/casualty products. Her focus for the past 15+ years has been on charitable giving and retirement planning strategies. Stephanie is chair of the Retirement Sections for the Society of Financial Services Professionals and is on the advisory committee of the National Marine Sanctuary Foundation.

Lucretia Vaile’s name has been associated with Palmer Lake since the 1880’s when, as a small child, she came with her parents to spend the summers here.

Throughout her lifetime she was interested in the cultural development of this mountain community. She suggested having the annual Yule Log ceremony. In 1968 she donated her home to Palmer Lake for an art gallery and was a charter member of the Palmer Lake Historical Society. She died in

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California in 1977. Her bequest to the town, along with additional funds from El Paso County, made it possible to build the Lucretia Vaile Library/Museum, a memorial of her contribution to the cultural heritage of Palmer Lake.

The mission of the Palmer Lake Historical Society is to preserve and promote history through presentations and activities that bring alive the historical events that took place in the Tri-Lakes area or affected local or Colorado history. The Society’s motto is “History should be more than a memory.” The Palmer Lake Historical Society is a non-profit 501(c)3 organization located in Palmer Lake, Colorado.

This program is free to the public. Refreshments will be served. Visit our website at www.palmerdividehistory. org WHEN & WHERE: WHEN: Thursday, March 18, 2010, from 7:00pm to 8:00pm. Doors open at 6:30pm.

WHERE: Palmer Lake Town Hall, 66 Lower Glenway Street, Palmer Lake, CO 80133

SNIPPETZ : THE LOCAL SCOOP ®

Visit our web-site or call us today to discuss your next project.

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.

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Kitchen & Bath Remodeling Custom trim, crowns, moldings Finished lower level/basement Bookcases, bars, closet designs Window & Door replacement Interior doors & hardware and a whole lot more - Call us today!

AUTO ACCIDENTS Car Crash Injuries Hit and Run Commercial Vehicles Motorcycle Wrecks Insurance Disputes

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PREMISES LIABILITY

God Bless America!

Slip and Fall Construction Defect Negligent Care

O p ening d n a r G

PERSONAL INJURY Bike Accident Dog Bites Pedestrian Accidents Wrongful Death

TRI-LAKES

HEALTH ADVOCACY PARTNERSHIP

Thrift Store 1 PM, Friday March 19

MEDICAL MALPRACTICE

In its new location at 790 D Hwy 105

Misdiagnosis Birth Trauma Inappropriate Treatment Negligent Procedure

Join us for the celebration refreshments, and Grand Opening bargains! w do a e n M L

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Hw

1230 Tenderfoot Hill Road, Suite 305 Colorado Springs, Colorado 80906

Ln

Thrift Store Fro

Doores Priz

to Pa lm er La ke

Colorado Springs Injury Law Office

Phone: (719) 471-2104 Fax: (888) 543-0928

Peakview Blvd

All Thrift Store PINZ to Mo Bowling proceeds support the nu me Senior Citizens programs of nt Tri-Lakes Health Advocacy Partnership, such as the Senior Citizens Center, free Senior Beat newsletter, Senior Luncheons and Senior Day Tours.

Email: ColoradoSprings@BuxtonLuther.com

Denver Injury Law Office 7375 East Orchard, Suite 300 Greenwood Village, Colorado 80111 Phone: (800) 435-0586 Fax: (888) 543-0928 Email: Denver@BuxtonLuther.com

Contact The Injury Law Office of Buxton & Luther, P.C. for a free case evaluation

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• On March 11, 1818, “Frankenstein; or, The Modern Prometheusm” is published.

The book, by 21-year-old Mary Wollstonecraft Shelley, is frequently called the world’s first science-fiction novel. In Shelley’s tale, a scientist animates a creature constructed from dismembered corpses.

• On March 10, 1876, the first discernible speech is transmitted over a telephone system when inventor Alexander Graham Bell summons his assistant in another room by saying, “Mr. Watson, come here; I want you.” Bell had received a telephone patent three days before, just hours ahead of another inventor, Elisha Gray.

tacked an enemy machine gun nest in Italy, forcing the entire crew to surrender.

The wounded Chips was awarded the Distinguished Service Cross, Silver Star and the Purple Heart -- all of which were later revoked due to an Army policy preventing official commendation of animals.

• On March 12, 1903, the New York Highlanders are given the go-ahead by team owners to join baseball’s American League. The Highlanders had recently moved from Baltimore, where they were called the Orioles. The team officially changed its name to the New York Yankees in 1913.

• On March 9, 1959, the first Barbie doll goes on display at the American Toy Fair in New York City. Barbie was the first massproduced toy doll in the United States with

• On March 14, 1935, 6-year-old actress Shirley Temple presses her hands in cement outside Grauman’s Chinese Theater in Los Angeles. She first won attention with a song and dance in the 1934 movie “Get Up and Cheer.”

KATHY CORIA

• On March 13, 1942, the Quartermaster Corps of the U.S. Army begins training dogs for the newly established War Dog Program, or “K-9 Corps.” The top canine hero of World War II was Chips, who at-

adult features. Barbie’s appearance was modeled on a doll named Lilli, based on a German comic-strip character.

• On March 8, 1969, the Pontiac Firebird Trans Am is introduced. The Trans Am was one in a series of muscle cars released by Pontiac in the 1960s, including the Grand Prix and the GTO designed by a young John DeLorean. (c) 2010 King Features Synd., Inc.

INTRODUCING...

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Back after being gone 5 years at Salon 105.

Expert in color and updo.

Special occasion styles.

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8

SNIPPETZ : REAL ESTATE ®

Search Tri-Lakes Homes for Sale -- including Foreclosures!

www.TriLakesMLS.info 

 



Article by Robyn Graham Keller Williams Real Estate, LLC

A "Short Sale" is possible when the homeowner's mortgage company or companies are owed more than a home is worth in the current market. A qualified CDPE Realtor® negotiates with the mortgage company to accept less than the full balance of the loan including all closing costs.

A Certified Distressed Property Expert (CDPE) is a Realtor® who has attended extensive training and has the knowledge, experience, and materials available to help homeowners facing foreclosure...and... buyers looking to purchase pre-foreclosure properties, successfully negotiate and close a "Short Sale" on their behalf.

Top reasons to sell your home through a Short Sale and avoid Foreclosure: 1. The client will always have to disclose a foreclosure on any mortgage application and many job applications they submit in the future, and this can have an adverse affect on future mortgage rates.

2. Credit scores will be lowered by 300+ points, and a foreclosure is the most devastating credit issue someone can have in relation to future credit availability.

3. Security clearances and government positions, including but not limited to military and law enforcement, can be jeopardized by a foreclosure.

4. Many employers run credit checks on prospective employees, and foreclosure is one of the top items that will put a potential new hire in jeopardy.

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Great for 1st Time Homebuyer! Frank Lloyd Wright Style Home!

Foreclosure vs Short Sale Today, 1 in 10 homeowners are facing the possibility of losing their homes to foreclosure due to a hardship. They are delinquent in paying their mortgage payments, they are upside down in what they owe to their mortgage lender due to economic and market conditions, and they are financially insolvent.

 

There are seller qualifications required for a "Short Sale": 1. A hardship situation that must be approved by the lender(s).

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2. Delinquent in monthly mortgage payments (approximately 3 months).

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3. "Upside down" in what is owed to the lender(s) due to economic and market conditions.

4. Must be financially insolvent.

Acceptable Hardships (A material change in the financial situation of a homeowner that is or will affect their ability to pay their mortgage):

Investor’s DREAM! Monument

- Payment increase or mortgage adjustment; Loss of job; Business failure; Damage to property; Death of a spouse; Death of family members; Severe illness; Inheritance; Divorce; Separation; Relocation; Military service; Insurance or tax increase; Reduced income; Too much debt; Incarceration

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If a homeowner qualifies to sell their property short, then it is imperative that they begin this process before it's too late. It is possible to stall a foreclosure if the lender(s) knows that a homeowner is actively and aggressively marketing their property for sale. Once an offer is received from a buyer on the property, the lender will negotiate the acceptance, and the buyer will purchase this property short.

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1. Restructuring your loan with your mortgage company.

2. Short Sale 3. Deed in Lieu or Foreclosure

 

Call today so that I may help you analyze your situation and figure out the best solution for your particualr needs.

719-216-4421

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For further information, please feel free to call Robyn Graham at Keller Williams Real Estate 719-216-4421 or email Homes@RobynGraham.com

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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.

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Rup Engines 719-205-3010

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SNIPPETZ® HEALTH AND WELLNESS sible for diverticula formation. You need to get 25 grams to 30 grams of fiber daily. Fruits, vegetables and whole grains are fiber sources. Whole grains are grains that haven’t been refined. They retain their outer coat -- bran. Bran is excellent fiber.

DIET, PAIN AND DIVERTICULITIS DEAR DR. DONOHUE: I need information on how to avoid flare-ups of diverticulitis. I am a 53-year-old female.

I was diagnosed with diverticulitis in 2008 after suffering for months from discomfort that finally became unbearable. The doctor gave me an antibiotic that cleared the problem up. What I need to know is this: How long after eating a problem food does discomfort ensue?

I’ve tried to tie discomfort to a particular food. I just can’t figure out which ones cause the problem. For instance, if I have a problem on Tuesday afternoon, would that be from food I ate Tuesday morning, or the day before, or the day before that? -- D.F. ANSWER: You need a clearer picture of what causes diverticular pain. You’re barking up the wrong tree. Diverticula are small bulges on the colon’s outer wall. The bulges are the lining of the colon that has been pushed through the muscular colon wall and has popped out on its outer surface. They are peasize to marble-size. When the necks of diverticula become obstructed, bacteria within the diverticula causes swelling and pain. Prevention of diverticula formation and diverticula obstruction centers on a high-fiber diet. A particular food isn’t usually the culprit. A lack of fiber is the troublemaker.

Fiber holds on to water and keeps the food residue soft. If the residue hardens, the colon has to generate great force to move it along, and that force is respon-

Diverticulitis -- inflamed diverticula -- produces pain, most often felt in the lower left side of the abdomen. Sometimes it leads to rectal bleeding. An attack of diverticulitis calls for a change in diet, either to a liquid one or one with soft foods.

If you still want to track a particular food as the cause of a diverticulitis attack, I’ll give you the rough time sequences of food passage. It takes one to two days for food to pass from mouth to the end of the colon. At most, it takes three days. Anything beyond that time is abnormal.

The booklet on diverticulosis explains this common malady in detail. To order a copy, write: Dr. Donohue -- No. 502W, Box 536475, Orlando, FL 32853-6475.

Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address.

Please allow four weeks for delivery. *** DEAR DR. DONOHUE: Several months ago, I fell. X-rays indicate that I have arthritis in my left hip. When I resumed my exercise program, I had pain on raising my left leg about 12 inches off the ground. Do I increase or decrease my exercise? Is there a painkiller or vitamin I should take? -- B.W. ANSWER: Pain is a signal to stop doing whatever it is that causes it. Perhaps arthritis is the cause. A cause has to be found before continuing any exercise that brings it on. Don’t blunt the pain with medicines until you find the cause.

Vitamins will not help.

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*** Dr. Donohue regrets that he is unable to answer individual letters, but he will incorporate them in his column whenever possible. Readers may write him or request an order form of available health newsletters at P.O. Box 536475, Orlando, FL 32853-6475.

All Rights Reserved

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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.

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y garden for this summer is already taking shape, at least on the kitchen counters, where dozens of little seed pots are lined up in flats. This year my goal is to grow vegetables for the food bank. Iâ&#x20AC;&#x2122;ve already tried out my new PotMaker, a handy wooden gadget for making seed-starting pots out of newspaper.

I almost gave up gardening last year, mostly because of all the work. The stooping and bending was the worst of it. This year things will be up higher and easier to reach. A father-and-son team here in town are working on some trellises for me. Those will be for the climbing plants.

When the weather is warmer, father and son will be over here building some extrahigh raised beds.

A neighbor and I have gone in together on the cost of seeds. We have different ways of planting and growing, so weâ&#x20AC;&#x2122;ll have to see which methods work best. (She goes for grow lights, while I prefer the sun, for

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So far, the menu-to-be consists of sweet peppers (mostly for the bright colors), tomatoes, carrots, three types of lettuce, radishes, cucumbers, green beans and climbing spinach.

If you donâ&#x20AC;&#x2122;t have garden space, your town might have a site designated for a seniorsâ&#x20AC;&#x2122; vegetable garden. Or if you live in a retirement center, ask about setting aside a communal area for residents to grow vegetables or flowers.

Here are some places to get a head start on planning your garden: Burpee (www.burpee.com) Phone Orders: 1-800-888-1447 Park Seed Company (www.parkseed.com) 1-800-213-0076 Johnnyâ&#x20AC;&#x2122;s Seeds (www.johnnyseeds.com) 1-877-564-6697 To get started, all you need is pencil, paper, catalog -- and your imagination. For tips on how to grow your own vegetables, see The Vegetable Gardening Guru at www.vegetablegardeningguru.com 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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• Hindus do not eat eggs, believing them to be a valuable source of life.

Samantha Weaver

• It was American sports writer Art Spander who made the following sage observation: “The great thing about democracy is that it gives every voter a chance to do something stupid.”

• With only two known to exist, the rarest U.S. postage stamp is the 1-cent 1868 Benjamin Franklin Z-Grill, so called because of the shape that was impressed into the stamp. One of the Z-Grills is in the collection of the New York Public Library, and the other was sold in 1998 for $935,000. That’s not the end of the story, though; in October of 2005, the same stamp was traded for a block of stamps valued at $3 million.

• The next time you’re eating an Oreo cookie, consider this: It takes 90 minutes to make each cookie, and each one has precisely 90 ridges on the rim.

MONDAY

TUESDAY

WEDNESDAY

BUY ONE ICE CREAM OR GELATO - GET

SENIOR TUESDAY

CARRY OUT WEDNESDAY

BUY A LARGE COFFEE GET

ONE FREE SMALL CANNOLI

BUY TWO LARGE CANNOLIS GET

ONE FREE LARGE CANNOLI

We cater holiday parties, offer fundraising opportunities for schools, sports teams and civic groups and now have holiday ice cream cakes and gelato pies.

Our gelato and ice cream is handmade every day in our store with the freshest, locally sourced ingredients and our gelato ingredients are imported from Italy.

CASUAL AMERICAN

SEE OUR MENU ON OUR WEBSITE: www.ericsmonumentgrille.com

Seats up to 44 NO ROOM CHARGE

HOLD YOUR COMPANY, CLUB OR FAMILY LUNCHEONS/DINNERS HERE!

Rob Drabkin - Solo acoustic concert

March 12

featuring Rob’s latest CD release. Voted Colorado’s Best Singer-Songwriter by Westword Music for ‘08 and ‘09!

Friday, 7:30 PM

OFF SITE CATERING

Available for your events Go to: www.ericsmonumentgrille.com for additional information

February 13 Sammy Dee Band - Get a taste of

Chuck Zen Cowboy is always intriguing the Sat. 7:30Pyle pm - The Louisiana Texas Style Blues while celebrating Valentines and Mardi all audience with his humble, yet straight forward Gras infectious in one night! melodies.

FREE WiFi available for our customers

February 27 Wendy Woo & Robin Hoch - Acoustic Sat. 7:30 pm

duo with Wendy on guitar and Robin on viola are back by popular demand!

March 12

Chuck Pyle - The Zen Cowboy is always

March 21

TRY ONE OF OUR NEW LUNCH SPECIALS!

11:00 to 2:00PM SUNDAY BREAKFAST BUFFET

With Omelets, Waffles and Eggs Benedict Cooked To Order

12.95

$

(Includes Beverage)

Breakfast Items Served All Day & Night HAPPY HOURS

4PM - 7PM / MONDAY - FRIDAY Draft Beers $2.50 - $3.50 Wines (All Wines $1.00 OFF During Happy Hours) Liquors (All Single Shot Well Drinks) $2.50 Margaritas (Home made Pre-mix) $2.00

Sunday, 2:30 PM

intriguing the audience with his humble, yet straight forward infectious melodies.

Hausmusik Quartet -String Chamber music- Chamber at its finMarch 21 String Hausmusik Quartet Sun. est! 2:30 pm

1

$

Exceeding Your Expectations!

Tri-Lakes Center for the Arts Presents

Fri. 7:30 pm

CAFFE LATTES AND CAPPUCCINOS

MONUMENT GRILLE PRIVATE ROOM

Sat. 7:30 pm

SUNDAY

S ’ C I ER

(c) 2010 King Features Synd., Inc.

January 23

Buy One - Get One FREE on pints or quarts of ice cream or gelato

Please mention this ad to get the special!

• The word hippopotamus comes from the Greek for “river horse.”

Thought for the Day: “The only really good place to buy lumber is at a store where the lumber has already been cut and attached together in the form of furniture, finished, and put inside boxes.”

-- Dave Barry

Your child and guests will make their own ice cream. One delicious learning experience!

ONE FREE Seniors get an ice ICE CREAM cream or gelato for 50% OFF OR GELATO FRIDAY THURSDAY

• It may be hard to believe, but there is an official competition to see who can sit in a sauna for the longest period of time. The World Sauna Championships have taken place in Heinola, Finland, annually since 1999. The starting temperature is a sweltering 110 degrees Celsius (230 F), and a liter of water is poured on the stove every 30 seconds.

The winner is the last person who is able to leave the sauna without assistance. Competitors participate at their own risk, and they are required to sign a waiver agreeing not to take legal action against the event organizers.

***

WE HAVE IT!!

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

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OPEN 7 DAYS A WEEK! Mon-Sat - 10:00AM - 10:00PM Sunday - 9:00AM - 3:00PM

SNIPPETZ

®

DINING GUIDE

$1,000 Free Gas Give Away! $100 Gas Gift Card Given Away Every Week at Both Locations!

Early Bird Special

$2.99 Breakfast!

MARCH SPECIALS

2 Eggs, Bacon or Sausage, Country Fries & Toast

75 Hwy 105 Palmer Lake 719-481-2222

Mon thru Fri Before 9am @ Both Locations!

Sunday er etti Supp

Coffee Cup Café 251 Front Street, Monument 80132 (719) 488-0663 www.coffeecupmonument.com Now open starting at 6 am - 3 pm 7 days a week!

Wednesd

Spagh

COUPON

etti Spagh alls eatb with M e $8.95 usag and Sa

Like Beer?

Monday ana Parmigi

Pick Aken, Veal or

20 Crafts on Tap!

Chic 5 nt $9.9 Eggpla

ay

CRA

ZY! We wil l hono r any re st curren aurants t coup ons!

Thursday

Italian C

om

fort Food Baked Rigaton i, Lasag or Man na icotti $9.95

Open at 4:30 Wed-Mon • CLOSED TUESDAY

A Second Cup 13860 Gleneagle Dr, Colorado Springs 80921 (719) 481-6446 www.asecondcup.net Open starting at 6 am - 9 pm 7 days a week!

AVAILABLE FOR PRIVATE PARTIES AND CATERING

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.

20 Micro Brews on Tap!

Your Local Ale House! www.eatatrosies.com

SERVING Breakfast • Lunch • Dinner

COME ON IN AND WATCH MARCH MADNESS AND THE NUGGETS!

PRIME RIB

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ON FRIDAY NIGHTS 5PM - 9PM

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411 Hwy. 105 • Monument, CO 80132

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14

SNIPPETZ DINING GUIDE ®

PATRICIA’S CAFÉ GRILLED PORK TENDERLOIN

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine GLUTEN FREE - Pizza, Pasta, Sauces

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

Serving Anne & Mann’s Gourmet Ice Cream

RD

Pork Tenderloins Olive Oil Garlic Powder Onion Powder Kosher Salt Italian Seasoning 1. Preheat grill.

2. Place tenderloin in a dish and coat well with enough olive oil.

3. Liberally sprinkle each of the remaining ingredients over the tenderloin.

4. Grill turning often until done, internal temperature should be about 160°F.

ing that it is lower in fat and is better for you compared to beef.

In the old days commercial pork was raised on slop, which were scraps from the kitchen so trichinosis was often found in pork products if the meat was not cooked well enough. However, new regulations have put a stop to this and in doing so have pretty much put an end to trichinosis in pork. Cooking meat to 160°F will still have some pink, which will make the pork juicy. If the pork is contaminated, cooking it to 137°F will kill any trichinosis. Trichinosis is caused by little parasitic worms that get into the muscles including the diaphragm and can be fatal if not treated.

P

ork tenderloins usually come 2 per package.

Hopefully you will have leftovers. They are great in salads or on sandwiches over the next few days. Pork is the other white meat mean-

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

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

GOOD HOUSEKEEPING ONE

OVEN-FRIED CRAB CAKES

T

hese golden crab cakes are baked, not fried in butter, and the tartar sauce, a lighter-than-ever version of the classic fish topping, is made with reduced-fat mayonnaise dressing and a little mustard to zip it up.

Tartar Sauce: 1/2 cup reduced-fat cholesterol-free mayonnaise dressing 3 tablespoon sweet-pickle relish 1 teaspoon Dijon mustard Crab Cakes: 1 container (16-ounce) lump crabmeat

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Y, A D

ES U T

3 2 H

C

R A M

Shakes • Malts • Cones • Sundaes • Banana Splits Root Beer Floats • Chicago Style Hot Dogs Bratwurst • Soups • Chili

G N I EN

OP

24 Hwy. 105 in Palmer Lake

Rock House Ice Cream

488-6917

2 large egg whites 1 small onion, grated 1 small (about 6 ounces) zucchini, coarsely shredded 2 tablespoons reduced-fat cholesterol-free mayonnaise 1 tablespoon Worcestershire 2 teaspoons dry mustard 1/2 teaspoon salt Finely crushed saltine crackers 1/2 bunch watercress 1. Tartar Sauce: In small bowl, combine mayonnaise dressing, relish and Dijon mustard until blended. Cover and refrigerate.

2. Crab Cakes: Preheat oven to 450 F. Pick over crabmeat to remove any pieces of shell or cartilage.

3. In medium bowl, beat egg whites, onion, zucchini, mayonnaise, Worcestershire, dry mustard and salt until blended; stir in crabmeat and all but 2 tablespoons cracker crumbs. Shape crab mixture into six 3 1/2-inch patties (mixture is very soft and moist).

Coat patties with remaining cracker crumbs.

4. Spray 15 1/2 by 10 1/2-inch jelly-roll pan with nonstick cooking spray. Place crab cakes in pan. Lightly spray crab cakes with nonstick cooking spray. Bake 15 to 20 minutes or until golden and cooked through, turning once.

5. Arrange crab cakes on platter. Garnish with watercress. Serve with Tartar Sauce. Serves 6.

• Each serving: About 245 calories, 12g total fat, 80mg cholesterol, 810mg sodium.

For thousands of triple-tested recipes, visit our Web site at www.goodhousekeeping.com/recipefinder/. (c) 2010 Hearst Communications, Inc. All rights reserved

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

1. GEOGRAPHY: Which U.S. state is west of Ohio?

Sports Quiz

By Chris Richcreek

10. PERSONALITIES: What age did comedian Jack Benny always claim to be?

1. Four people managed both the Yankees and the Mets during their careers. Name three of them.

2. How many times did Boston Red Sox great Ted Williams have 100-plus walks in a season?

3. In 2008, Baltimore’s Ed Reed became the second player in NFL history to return two interceptions 100-plus yards. Who was the first to do it?

4. Three men’s basketball coaches have won an NCAA title, an NIT postseason championship and an Olympic gold medal. Name two of them.

5. The New York Rangers and Washington Capitals were involved in the longest shootout in NHL history. How many rounds was it?

6. When was the last time before John Crews in 2009 that a U.S.born male won the Philadelphia Marathon?

7. How many consecutive LPGA Player of the Year Awards had Lorena Ochoa won entering 2010?

(c) 2010 King Features Synd., Inc.

(c) 2010 King Features Synd., Inc.

2. LITERATURE: Who wrote the novel “Where the Red Fern Grows”?

3. LANGUAGE: What does the Latin suffix “grade” mean?

4. SCIENCE: Who originated quantum theory?

5. MEDICINE: What does the notation “a.c.” mean when it is written on drug prescriptions?

6. ACRONYMS: What does the acronym IMF stand for?

7. GAMES: What do you get when you pass “Go” in Monopoly?

8. TELEVISION: What is Kramer’s first name in the “Seinfeld” comedy series?

9. ART: What is the painting technique called “impasto”?

1. Who had No. 1 hits with “Memories Are Made of This” (1955) and “Everybody Loves Somebody” (1964)?

2. Name the song that accompanied the Dancing Baby on the “Ally McBeal” television show.

Who wrote and first performed the song?

3. What is “The Night Chicago Died” about? Is it true?

4. Name the artist who had No. 1 hits on the R&B charts in the mid-1970s with “You’re the First, the Last, My Everything” and “What Am I Gonna Do with You.” 5. Name the Four Seasons song that was made into a hit by British group The Tremeloes.

6. Which Melanie song talks about roller skates? (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).

friends, but retreats into a rich fantasy life, where she dreams of becoming a pop star.

With the help of a teacher and others, there seems to be a glimmer of hope for the girl, but before things improve, Precious’ situation will first need to get much darker.

New DVD Releases for Week of March 8, 2010 PICKS OF THE WEEK

“Precious: Based on the Novel ‘Push’ by Sapphire” (Rated R) -- Gabourey Sidibe stars as Precious Jones, a 16-year-old, morbidly obese, illiterate, poverty-stricken girl who is pregnant for the second time after being raped by her father. Her first child (also a product of incestuous rape) was born with Down Syndrome. Precious’ mother (played by Mo’Nique) physically and verbally abuses the teen, who has no

“The Who: The Kids Are Alright” (Unrated) -- This is one of the greatest rock-n-roll documentaries ever made. Highlighting the band’s tumultuous career from its rocky early ‘60s Mod roots to the death of drummer Keith Moon in 1978, this new BluRay release has been beautifully remastered -- especially the sound of early TV performances where tape speeds were out of phase. This release includes more than 100 hours of extra footage, a documentary on the remastering of film and an interview with lead singer Roger Daltrey.

“Civilisation: Complete Series” (Unrated) -- Two years in the making. More than 100 locations in 13 countries. A landmark tele-

vision documentary event. First broadcast in 1969, Lord Kenneth Clark’s “Civilisation, A Personal View” still ranks as one of the greatest series about Western culture ever produced. Using art, music, literature and architecture to illustrate the march of Western civilization, Lord Clark asks important questions such as: What is the difference between Art and Culture -- and are they worth saving? If you are a fan of James Burke’s “Connections” and “The Day The Universe Changed” series, then this is one collection you need to add to your video library.

“Tenspeed & Brown Shoe” (Unrated) -- Jeff Goldblum and Ben Vereen’s shortlived 1980 detective comedy series finally gets a DVD release. Goldblum plays Lionel “Brown Shoe” Whitney, a stockbroker who fantasizes about becoming a hard-boiled detective. Vereen is E.L. “Tenspeed” Turner, a grifter who plays on Brown Shoe’s de-

16

lusions in the hopes of making a big score.

Hilarity ensues.

TV SERIES

“Walker Texas Ranger” The Complete Series Pack “Johnny Bravo” Season One “Wiseguy” The Collector’s Edition “In Plain Sight” Season Two “Greek: Chapter Four” “Tremors” Complete Series “Hannah Montana” Miley Says Goodbye “National Geographic -- Lost JFK Tapes: The Assassination” “Walker Texas Ranger” The Seventh Season “Scarecrow and Mrs. King” The Complete First Season “Matt Houston” The First Season “Silk Stalkings” Season One (c) 2010 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

TRIVIA TEST ANSWERS 1. Indiana 2. Wilson Rawls 3. Walking or moving 4. Max Karl Ernst Planck 5. “before meals” or ante cibum in Latin 6. International Monetary Fund 7. $200 8. Cosmo 9. A thick layer of paint 10. 39

MARCH 8, 2010 ARIES (March 21 to April 19) Change is still dominant for Rams and Ewes, both in the workplace and their private lives. This is also a good time to look at a possible relocation if that has been one of your goals.

SPORTS QUIZ ANSWERS 1. Yogi Berra, Dallas Green, Casey Stengel and Joe Torre.

2. Eleven times in his 19-year major-league career.

3. The Philadelphia Eagles’ Lito Sheppard.

4. Bob Knight, Pete Newell and Dean Smith.

5. Fifteen rounds in 2005.

6. Brian Clas won it in 2000.

7. Four in a row.

FLASH BACK ANSWERS 1. Dean Martin (born Dino Paul Crocetti) released many singles, but those were his biggest hits.

2. “Hooked on a Feeling.” B.J. Thomas came out with the song in 1969.

3. The Paper Lace song is about a shootout between gangster Al Capone and the Chicago police. The song is fiction.

4. Barry White.

5. “Silence is Golden” reached No. 1 in the U.K. but only made it to No. 11 in the U.S. in 1967.

The Four Seasons version was the B-side to “Rag Doll.”

6. “Brand New Key.”

TAURUS (April 20 to May 20) Doing things for others is what you do well. But don’t forget that Bovines thrive on the arts, so make some time for yourself to indulge your passion for music and artistic expressions.

GEMINI (May 21 to June 20) While the Romantic Twin considers where to go for his or her upcoming vacation, the Practical Twin will start making travel plans now to take advantage of some great bargains.

CANCER (June 21 to July 22) Your sensitive nature helps you deal with a difficult emotional situation. Be patient and continue to show your sincere support wherever (and for whomever) it is needed.

LEO (July 23 to August 22) You’re making progress as you move through some unfamiliar territory. And while there might be a misstep or two along the way, overall you’re heading in the right direction. Good luck.

VIRGO (August 23 to September 22) Some good news arrives -- and just in time to remind you that you’re making progress.

Perhaps things aren’t moving as quickly as you’d prefer, but they’re moving nevertheless.

17

LIBRA (September 23 to October 22) This is a good week to step back and assess the facts that have recently emerged to see where they can be used to your advantage.

Also, don’t hesitate to make changes where necessary.

SCORPIO (October 23 to November 21) You should begin to experience some support from those who now agree with your point of view. This should help counter the remaining objections from die-hard skeptics.

SAGITTARIUS (November 22 to December 21) Don’t let your aim be deflected by trivial matters as you try to resolve a confusing situation. Take time to find and thoroughly assess the facts before making any decision.

CAPRICORN (December 22 to January 19) The possibility of moving to another location has come up. But before you dismiss it as unworkable, it’s worth checking out just in case it does have some merit after all.

AQUARIUS (January 20 to February 18) New relationships -- personal or workrelated -- show mixed signals. Best to assume nothing. Let things play themselves out until you have something substantive to work with.

PISCES (February 19 to March 20) Your ability to make needed changes without causing too much, if any, negative ripple effect comes in handy when dealing with a sensitive matter either on the job or in the family.

BORN THIS WEEK: Although you like things to go smoothly, you’re not shy about making waves when you believe the situation calls for it. (c) 2010 King Features Synd., Inc.

SNIPPETZ® BUSINESS AND FINANCE

FINANCIAL FOCUS

DO YOU WANT MORE CONTROL OVER

THE TAXES YOU PAY?

PLAN NOW FOR UNEXPECTED EARLY RETIREMENT

You’re Invited …

There are several strategies to help reduce your tax burden.

Choosing tax-advantaged investments is one of them.

Join us for our free seminar Tax-free Investing: It’s Not What You Make, It’s What You Keep. You’ll learn about: ❚ Tax-advantaged investments and their features

Provided by Adam Grayson of EdwardJones Investments

❚ Tax-free investment returns vs. taxable investment returns ❚ Three ways to purchase municipal bonds ❚ How tax-free investing can help you achieve your goals

N

one of us can see what the future holds for us. But you have to make certain assumptions if you’re going to create a strategy for building the resources you’ll need for a comfortable retirement. But what happens when those assumptions prove unrealistic?

Call today to reserve space for yourself and a guest at this free educational seminar.

Unit trusts and mutual funds are offered and sold by prospectus.

You should consider the investment objectives, risks, and charges and expenses carefully before investing. The prospectus contains this and other information. Your Edward Jones financial advisor can provide a prospectus, which should be read carefully before investing.

Unfortunately, many people are wrestling with this very problem. Specifically, they plan to work until a certain age — but they leave the work force earlier. Obviously, this can have a big effect on a variety of other retirement income factors, such as the amount of money they need to put away each year while they’re still working and the age at which they should start collecting Social Security and begin tapping into their IRA, 401(k) and other retirement accounts.

Dinner will be served.

Date: Tuesday, March 30, 2010 Time: 6 p.m.

Location: Bella Panini Restaurant Palmer Lake, Colorado RSVP: Please call Kathy Williams at 481-4964 by March 26th

Just how big a problem is this? Consider the following statistics from the Employee Benefit Research Institute’s 2009 Retirement Confidence Survey:

Adam R Grayson Financial Advisor .

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

Forty-seven percent of retirees left the work force earlier than planned. www.edwardjones.com

Member SIPC

Of that total, 42 percent did so because of health problems or disability, 34 percent left due to their employers’ downsizing or closure, and 18 percent left to care for a spouse or another family member.

So here’s the bottom line: Even if you think you’re going to work until, say, 65, and you want to work until 65, you may be forced to quit at 62, 60 — or even younger. And during those years you won’t be working, you’re not just losing out on earned income — you’re also not contributing to

IT’S TIME TO MAKE THE WORLD

your 401(k) or other employer-sponsored retirement plan, and you might lose your ability to contribute to your IRA as well. At the same time, your retirement lifestyle expenses have begun earlier than you anticipated — and many people find that these costs aren’t much, if any, lower than the expenses they incurred while working.

What can you do to help avoid coming up short of the income you’ll need during your retirement years? For one thing, don’t spend a lot of time focusing on those things you can’t control, such as downsizing or an unexpected health crisis or disability.

Instead, concentrate on those factors over which you have power. Consider the following: Maximize your contributions to your 401(k) and IRA. Each year, put as much as you can afford into your IRA and your 401(k) or other employer-sponsored retirement plan.

Invest for growth. Include growth-oriented investments, such as stocks, in your balanced portfolio if appropriate for your objectives, risk tolerance and time horizon.

While it’s true that growth vehicles will fluctuate in value, you can help reduce the effects of volatility by buying quality investments and holding them for the long term.

Create alternative plans. While you may want to construct an investment strategy based on retiring at a certain age, you’ll also want to come up with some alternative scenarios based on different retirement ages and corresponding differences in other factors, such as amounts invested in each year, rate of return, age at which you begin taking Social Security, and so on. A financial professional can help you develop these “hypotheticals.”

You can’t predict the future. But you can at least help yourself prepare for those twists of fate that await you as you plan for retirement.

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

Lisa Welch Stevens

Colorado law permits corporate entities to prepare annual consent minutes, in lieu of holding annual meetings, so long as all of the shareholders and directors (or, in the case of LLCs, members and/or managers) unanimously approve such minutes, and so long as the necessary statutory language and citations are included.

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. 13540 Northgate Estates Dr., #200

Colorado Springs, CO 80921 (719)488-9395 Please visit our comprehensive website for divorce information: www.cmeyerlaw.com

THE LAW ACCORDING TO STEVENS

by Lisa Welch Stevens, Attorney at Law P.C.

Annual minutes should list and briefly describe all major transactions entered into by the business during the past fiscal year.

Examples of items to be approved include: (1) appointment of officers/managers and election of directors for the next fiscal year; (2) salary changes for owner/employees; (3) election or revocation of “S” election; (4) loans to or from the business; (5) substantial changes in business operations; © November, 2004, by Lisa Welch Stevens, Esq., (6) equipment or real estate lease agreements; (7) changes in registered office or f you are a small business owner, whether a agent; etc. sole proprietorship, general partnership, “S” corporation, LLC or other entity, chances are It may seem silly to go through this formality, you have a December 31st fiscal year end (FYE). especially where your business has only one or Your FYE is the perfect time to make sure your two owners. But by observing this and other corporate formalities you are treating your business business’ legal affairs are in order. like the separate legal entity it is meant to be, and As an owner, you may have formed a “corpo- not as your alter ego. The more you treat it as a rate” entity to own and operate your business. If separate entity, the more likely courts are to reso, congratulations – you have gained some pro- spect the corporate form, and to not pierce your tection from personal liability for debts or other corporate veil. Consult with your business’ legal claims arising out of your business’ operations. advisor regarding your specific situation, and dot Your FYE is the perfect time to take the addi- those “I”s and cross those “T”s: that small intional step of maintaining that corporate shield vestment of time may buy a lot of “insurance” by observing an important formality: drafting down the road.

FISCAL YEAR END: DOT YOUR “I”S AND CROSS YOUR “T”S

I

annual minutes. (For purposes of this article, the term “corporate” or “corporation” shall refer to any type of entity registered with the Office of the Secretary of State of Colorado, which offers limited liability to its owners.)

PREPAID PLANS LIMIT CELL PHONE COSTS

N

ot everyone wants a cell phone that takes and send pictures, sends text messages, connects to the Internet to receive and send e-mail, and has custom graphics, a finger touch-screen, music player, video capture and voice memo. Sometimes people just want a phone that takes and makes calls -- and cheaply.

Choosing a cell-phone plan can be just as complicated.

When you’re hunting for a cell-phone plan,

For additional information contact, Lisa Welch Stevens, Attorney at Law P.C. Representing Colorado Businesses and Business Owners 719.488.9395

maybe the best one is no plan at all. Consider whether a prepaid phone service is right for you.

Typically, this means you’d buy an inexpensive, no-frills phone (although with many of them you can receive text messages).

carriers that offer 1,000 minutes for $100, and the minutes don’t expire for a year. Sign up for more minutes before expiration, and those old minutes will roll over. You’ll pay $1 for access on the first call of any day, and all calls are 10 cents per minute.

With a prepaid plan, you pay for the phone up front. There’s no credit check, no contract to sign, no monthly charges. You pay in advance for your minutes. The more minutes you buy, the longer you have to use them because the minutes generally don’t roll over.

Consider who’s going to be using the phone, and how. A prepaid phone and service can be good for a teenager who needs to learn about setting limits, especially if that teen has run up astronomical phone bills in the past.

Even with prepaid phone service, beware the cost of daily use. There’s a tradeoff between the number of days you’ll use your phone and the cost of each minute. For example, with one large carrier, your access cost on the days you use the phone is $3.99 but your minutes are free, with text messages only costing 1 cent. On the other end of that spectrum, there are no-frills basic services that cost you nothing to make calls on a daily basis, but each minute of calling costs 25 cents with 20 cents for each text message.

For low-minute users, there are a few big-name

19

Here’s the best part about not signing a contract: If you absolutely hate your carrier or your phone, there’s no problem with changing to another.

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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