Snippetz_Issue 467 by Funder Enlightening, Inc.

n Ip pe t z WEEKLY MAGAZINE

FREE WEEKLY

SNIPPETZ IS SINGING

ANCHORS AWEIGH by Deborah Stumpf

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- Second verse from the revised lyrics of “Anchors Aweigh” by George D. Lottman s the Navy celebrates its birthday Oct. 13, they’ve gone from two sailing vessels to a slew of ships that include submarines, cruisers and destroyers. The Navy today has 329,629 active duty ofﬁcers, enlisted men and midshipmen. Total reserves mobilized as of Sept. 21 are 6,936 (Sept. 21). There are 46,193 personnel in deployment. The Navy has 144 ships (50 percent of all ships) under way – away from the homeport.

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Anchors Aweigh, my boys, Anchors Aweigh. Farewell to college joys, we sail at break of day-ay-ay-ay. Through our last night on shore, drink to the foam, Until we meet once more. Here’s wishing you a happy voyage home.

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IT ALL STARTED IN THE 1700S On Friday, Oct. 13, 1775, the United States Continental Congress voted to outfit two sailing vessels with crews of 80 men and plenty of ammunition and send them to sea for three months in search of ships supplying ammunition to the British Army in America. After the War of Independence, the ships of the “Continental Navy” were sold. In 1789, the Constitution was amended to give Congress the power to maintain a Navy.

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PUZZLES, TRIVIA, ENTERTAINMENT 18-19 Trivia Test • Sports Quiz • Flash Back Super Crossword • Weekly Sudoku Couch Theater DVD Previews Huey’s Page (Comics) Salome’s Stars (Weekly Horoscope)

BUSINESS, FINANCE & LAW PAGES 20-23 “When Investing, Don’t Stop at U.S. Border” Financial Focus ... 20 “Cash In On Clutter” Dollars and Sense... 22 “7 Tips for Improving Your Cash Flow” The Shafer Group Report... 22 “Choosing A Bank For Your Small Business: What Is The Best Bank? Legal Considerations” The Law According to Stevens ... 23

COMMUNITY CALENDAR 21

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In 1797, Congress launched the USS United States, USS Constellation and USS Constitution. On April 30, 1798, Congress established the Department of the Navy. Benjamin Stoddert of Maryland was the first Secretary of the Navy.

SMOOTH SAILING Looking at the impact water has on the world the Navy is a vital asset to the U.S. Department of Defense. • 70 percent of the earth is covered in water • 80 percent of the planet’s population lives within close proximity to coastal areas • 90 percent of global commerce is conducted by sea

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W H E N

C O U N T S

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Q U A L I T Y

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loss of life in a single battle – almost 5,000 were killed and an equal number wounded. The U.S. 10th Army, comprised of 183,000 Army, Navy and Marine personnel, lost 7,613 men during the 82 days of battle. More than 30,000 men were wounded. The battle become known as Operation Iceberg and is thought of in many Navy circles as the Pacific War’s biggest battle. • During the Korean War, the only real naval action involving an American warship took place on the East Coast, when North Korean torpedo boats attacked the cruisers of the USS Juneau, the HMS Jamaica and the frigate HMS Black Swan. • In October 1962, President John F. Kennedy imposed a quarantine on Cuba, and Navy cruisers the USS Newport News and USS Canberra were among the vessels sent to Cuba to block the entry of Soviet offensive weapons. • In August 1965, the Marines initiated their ﬁrst large-scale amphibious assault in Vietnam on the Van Tuong Peninsula. They were supported by Marine air and naval gunfire from the cruiser, the USS Galveston, and two destroyers. Called Operation Starlite, it was the largest battle that Americans had fought since the Korean War. • On Oct. 11, 1972, 19 sailors were killed and 10 wounded by an explosion on the all-gun cruiser USS Newport News during a firing mission off the coast of Vietnam. Anchors Aweigh... Continued on Page 3

Maintaining a presence on the world’s waterways, the Navy ensures safe travel for people and commodities – “smooth sailing” for Americans and others.

HISTORIC BATTLES • The Battle of Leyte Gulf is the largest naval battle in history. In October 1944, U.S. troops invaded the island of Leyte in an attempt to isolate Japan from countries they occupied in Southeast Asia and to rob Japan’s forces of oil supplies. In response, the Imperial Japanese navy mobilized almost all of its naval vessels in an attempt to defeat the invasion. However, the U.S. Navy’s third and seventh fleets thwarted the attack, and Japan suffered heavy losses in both lives and ships. Because of the attack and the loss of oil, the Imperial navy was docked for the rest of World War II. • The Battle of Okinawa was one of the most devastating battles during World War II. The U.S. Navy lost an historical 36 ships, and 368 were damaged. The Battle of Okinawa handed the Navy its largest

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BY SEA, BY AIR, BY LAND In 1962, President Kennedy established a small but elite maritime military force. They would carry out clandestine, small-unit and high-impact missions â&#x20AC;&#x201C; unconventional warfare under the U.S. Special Operations Command. All military operations would originate from and return to a river, ocean, swamp, delta or coastline. The team of hardy men would operate by sea, by air and by land â&#x20AC;&#x201C; they would be called the SEALS. The SEALS have become the militaryâ&#x20AC;&#x2122;s upper crust â&#x20AC;&#x201C; disciplined men who are powered by mental and physical capabilities that extend way beyond the norm. The teams partake in, among other operations, direct action initiatives, terrorism combat, special reconnaissance, information warfare, drug warfare and personnel recovery. The SEALS are trained to operate in all environments and extreme climates, from desert to humid jungles to freez-

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the task of naming each vessel. The secretary can rely on many sources, such as yearly recommendations from the Naval Historical Center. • The ships’ names have evolved over the years. More than 200 new ships were built after the Civil War and another 418 were purchased. The types of ships – like ironclads and river steamers – determined the names. Brooklyn, Stars and Stripes, Penguin were some of the early names. Some ships were given names of American Indian origin, such as Owasco and Saugus.

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mand strike groups, aviation squads, combatant ships, civil engineer corps commands and other operational and shore units. • Women comprise about 23 percent of the Navy’s 2010 and 2011 recruiting goal. • In 1948, the Women’s Armed Services Integration Act allowed women to enter the Navy as a regular enlistee or on reserve status. • Other avenues in the Navy as well as other military forces opened up when Congress passed the Equal Rights Amendment in 1972.

• In the 20th century, attack submarines were named for sea creatures, although a few were named for legislators. Some submarines were named for American cities.

• Enlisted Navy women are assigned to all but five ratings – all communities are open to them, with the exception of the SEALS.

• Today, aircraft carriers bear names of former presidents.

THE NAVY’S FAMOUS NAMES

• Guided missile destroyers honor naval leaders and heroes. • The preﬁx USS (United States Ship) identifies a commissioned ship. • Navy ships in active national service use the preﬁx USNS (United States Naval Ship)

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hey wake up early to the stench of human disposal. They follow a giant rat. They come from below our streets, sidewalks, and homes to defend us. They keep us safe. They train and meditate with each passing day. They skateboard some, and they know the cute local news reporter. Then, the Teenage Mutant Ninja Turtles do what any slimy hybrid super hero would do after a long day of defending the human raceâ&#x20AC;Ś they order Pizza. Pizza is the food of ninjas. Itâ&#x20AC;&#x2122;s also the food of October, as the hallow month is officially National Pizza Month (which, Iâ&#x20AC;&#x2122;m sure you already knew). Come celebrate this glorious 31 day festival at Pinz Bowling Center, home of the Tri-lakes areaâ&#x20AC;&#x2122;s best Pizza. Their homemade sauce

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Itâ&#x20AC;&#x2122;s National Pizza Month. So when you leave your jobs and snatch your children from their schools; when you finish your lawn, or washing your car; when the day is over, or just beginning, grab a bite at Pinz. â&#x20AC;&#x153;Itâ&#x20AC;&#x2122;s the best Pizza after a hard day of work, and thatâ&#x20AC;&#x2122;s the truthâ&#x20AC;? says Raphael, of the TMNT. So listen to your protector and get a Pizza at Pinz; or else cower into your shell, like a scared little turtle.

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Tai Yi is quite significant in that it utilizes all meridians of the body and each energy treatment is specific to an identified difficulty. Tai Yi works with the core of the problem rather than simply treat the symptom. Tai Yi is not appropriate for everyone, however. Everyone is different and is on different levels of self-awareness. Many people desire to simply work with what they know and stay within a set of beliefs and traditions that have been a part of the family unit for generations. Some people have tried that avenue and have not found success and desire to attempt something different. Neither of these choices is right or wrong, they simply lead to different outcomes. Some individuals want a quick fix and want to be healed rather than do the work of healing. This is not wrong either. However, wanting to “be healed” will not work with Tai Yi.

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titioner will select a treatment that is appropriate. The person receiving the treatment lies on a massage table, fully clothed, and the practitioner places light pressure along specific points on the body according to the treatment. This is called the grid. The grid is like a map that will direct the energy. The practitioner then sends energy to the same points on the grid for specific period of time. The person receiving the treatment must be willing to accept the energy AND utilize the energy for the next three to seven days. The practitioner will give directions on how to do this. If the person does not desire to utilize the energy, work with any emotions and/ or memories that surface then the energy will dissipate and not fully work to its potential. That is why Tai Yi is not for everyone. If the person does not desire to work at creating change, Tai Yi will not work.

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Given that information, a new advanced treatment is available, called Fire of the Brain. Fire of the Brain is for individuals who have had longterm anger and/or depression. It is also for those who have had drug abuse in the past (and have ended the drug abuse). Long-term anger, depression, and drug abuse leads to difficulties with the neurotransmitters in the brain. The brain misfires and toxins build up in the brain. As a result, one can develop lack of focus, confusion, fogginess, and do attempt at healing the issues, but may find difficulty in doing so.

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Fire of the Brain does release brain toxins and can assist with those who have autism. It does not do very much for those with Alzheimer’s since aluminum on the brain can cause Alzheimer’s symptoms. A new Tai Yi website is online: www. lifeenergyflowtaiyi.com and you can find other practitioners on that site.

Tai Yi needs to engage the person receiving the treatment. During an appointment, the certified practitioner will have a discussion with the person desiring the treatment. The prac-

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LOCKS OF LOVE IN MONUMENT Monument, COLO. - On Friday, October 1, 2010, Expectations Salon brought “Locks of Love” to Monument. Expectations Salon, located at 283 Washington Street in Historic Downtown Monument gave a free hair cut by Odasis, to all who donated to this incredible cause.

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Haley Chapin of Tri-Lakes Cares, and Marlene Brown of Coffee On The Go... both graciously donated their hair and received a free pair of Maxx Sunglasses, and a free haircut from Expectations Salon For more information about Locks of Love please visit www.locksoflove.org. Expectations Salon, Spa & Boutique provides an exclusive salon and day spa atmo-

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Maxx Sunglasses was established in December of 2004, and is located at 738 Synthes Avenue in Monument, Colorado. Maxx Sunglasses’ mission is to provide an extraordinary lens at a great value so you make a good profit. We educate businesses about our product so you can share these benefits with your customers, increasing your sales and giving them a chance to experience High Definition lenses at a reasonable $20 price point. With Maxx Sunglasses, It’s ALL about then lens! For more information about Maxx Sunglasses please contact Lauren Williams at 719-550-8116 or Lauren@maxxsunglasses.com. Please visit www.maxxsunglasses.com to learn more about Maxx Sunglasses.

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JUSTIN PALMER 481 Hwy 105 • Ste B - 188 Monument CO 80132 REPAIRS AND PROFESSIONAL INSTALLATION OF: PORCELAIN • CERAMIC • NATURAL STONE • COMPLETE SHOWER REMODELS CUSTOM KITCHEN BACKSPLASHES • FLOORS • WALLS • COUNTERTOPS

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MOMENTS IN TIME THE HISTORY CHANNEL

• On Oct. 15, 1917, Mata Hari, the archetype of the seductive female spy, is executed for espionage by a French firing squad at Vincennes outside of Paris. She first came to Paris in 1905 and found fame as a performer of exotic Asian-inspired dances, claiming to have been born in a sacred Indian temple. In reality, Mata Hari was born in a small town in northern Holland in 1876, and her real name was Margaretha Geertruida Zelle. • On Oct. 11, 1925, novelist Elmore Leonard is born in New Orleans. His book “Hombre” (1961) was voted one of the best 25 Westerns of all time by the Western Writers of America. His first mystery, “The Big Bounce” (1969), was rejected by 84 publishers before it was published as an original paperback. • On Oct. 17, 1931, gangster Al Capone is sentenced to 11 years in prison for tax evasion and fined $80,000. Elliot Ness and his “Untouchables” routinely broke up Capone’s bootlegging businesses, but it was tax-evasion charges that finally stuck and landed Capone in prison.

• On Oct. 12, 1945, Army Pfc. Desmond T. Doss of Lynchburg, Va., is presented the Congressional Medal of Honor for outstanding bravery as a medical corpsman, the first conscientious objector in American history to receive the nation’s highest military award. • On Oct. 13, 1953, the world’s first art museum on wheels opens in Fredericksburg, Va. It was called the Artmobile, a $20,000, 34-foot-long air-conditioned trailer with museum-quality lighting. The trailer was pulled around the state behind an enormous blue truck. • On Oct. 14, 1968, U.S. Defense Department officials announce that the Army and Marines will be sending about 24,000 men back to Vietnam for involuntary second tours because of the length of the war, high turnover of personnel and the tight supply of experienced soldiers. • On Oct. 16, 1976, “Disco Duck” hits the No. 1 spot on the Billboard charts. Created by bored drive-time radio disc jockey Rick Dees, the song got airplay in every town except Memphis, where Dees had his radio show. (c) 2010 King Features Synd., Inc.

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the word is from the Greek “dipso,” meaning “thirst” -- and we’re all familiar with the “mania” part. “Dipsomaniac” is just a fancy name for a drunk. • You may be surprised to learn that 43 percent of 6- to 9-year-old girls use lip gloss. Of course, if you’re a parent of a young girl, you may not be surprised at all.

By Samantha Weaver

• It was American author and futurist Alvin Toffler who made the following sage observation: “Profits, like sausages, are esteemed most by those who know least about what goes into them.” • In honor of October being National Pizza month, here are a few statistics: Approximately 3 billion pizzas are sold every year in the United States. Seventeen percent of all the restaurants in the country are pizzerias. If you’re like 93 percent of Americans, you eat at least one pizza every month. Pepperoni is the most popular topping, followed by sausage, mushrooms, onions and olives. And a Gallup poll found that kids between the ages of 3 and 11 would choose pizza over any other food for lunch or dinner.

• A newly married couple sued the upscale resort in Chile where they spent their honeymoon when a swim in the pool turned the bride’s waist-length blond hair green. • The oldest known skis were found, perhaps unsurprisingly, in Scandinavia. The experts say the skis were made about 4,000 years ago. • If you live in the state of Minnesota, you might want to keep in mind that it’s against the law to sleep with no clothes on. *** Thought for the Day: “Man is least himself when he talks in his own person. Give him a mask, and he will tell you the truth.” -- Oscar Wilde

• Are you a dipsomaniac? The root of

Tri-Lakes Center for the Arts Dinner Theatre Series Presents

For the Love of Fashion!!!! Kick off the Season Looking and Feeling Great

Fall Savings! Vitae Salon and Day Spa would like to get our Community ready for the latest fall fashions with discounts on all of our Luxurious services. Includes Hair, Makeup, Nails, Skin Care, Waxing, and Massage! And for Goodness sake, don’t be caught without it! 20% Off ANY Service!

Good for any jazzy, snazzy, sassy, or classy style or service at Vitae Salon! If our competitors have a better offer, bring in the coupon and we will

Hair and Makeup Provided by Vitae Salon. Client from the Air Force Academy Pureology Blowout! 33% Off ALL BEAT ANY PRICE!

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Vitae Salon and Day Spa Call 719.488.9449 to book. Please allow a couple days, as spots are limited. Located at 615 Beacon Lite Rd

MURDER AT MACABRE MANOR

ack by popular demand, on Saturday, October 30, the Tri-Lakes Center for the Arts (TLCA) presents a dinner theatre featuring a spooky and thrilling murder mystery. “Murder at Macabre Manor” is an entertaining and humorous “who dun it” set in the intimate confines of the Center for the Arts. The Plot: George and Caroline DuPree have invited a variety of friends to attend a Halloween Party to introduce George’s new book “FUNGUS OF TERROR.” This party is also to be a house warming for the DuPree manor house. George and Caroline have invited you to attend this event along with a variety of their staff; Talbot, the butler; Mrs. Topper, the maid;, Blythe Spirit, the very private secretary; and Dr. Frank N. Stein, George’s physician and rejuvenation consultant. Halloween eve was chosen for the gala event

and a costumed ball is a perfect setting for MURDER. This is not for the squeamish or faint of heart. Guests are invited to wear costumes and mingle with the party goers at Macabre Manor. But beware! You may find yourself the victim of the cold and calculating killer who is hiding among the attendees at the housewarming gala. Will you be able to partake of the sumptuous dinner that will be lavishly prepared and provided by Pinecrest Event Center. Or will MURDER ruin your appetite? For more information call 719-4810475 or visit our website at www. trilakesarts.org. Tickets will only be sold in advance. Ticket sales end Saturday, October 23rd. Tickets are $30.00 each/$50.00 per couple and are available at Covered Treasures Bookstore (719-481-2665) in Monument and The Wine Seller (719-481-3019) and TLCA (719481-0475) in Palmer Lake. Tickets also available thru PayPal at www. trilakesarts.org. WHEN: Saturday, October 30, 2010, at 6:30 pm. Doors open at 6:30pm. Dinner at 7:00pm. WHERE: Tri-Lakes Center for the Arts is located at 304 Colorado Highway 105, Palmer Lake, CO 80133.

SNIPPETZ

HEALTH AND THE LOCAL SCOOP

Electronics Recycling Event Recycle old or unwanted TV’s, computers, audio/ video equipment and small appliances

Saturday, October 16th 2010 11AM to 4PM TLC Computer Repair 303 Highway 105, Monument CO 80132 (Across from 7-11)

Recycling services provided by

Blue Star Recyclers is a locally owned and operated electronics recycler. 95–98% of all electronics are recyclable Guaranteed identity security No toxic materials are land-filled or dumped abroad Creates jobs in Southern Colorado for disabled adults

NATIONAL SCULPTING SHOW HOSTED AT TRI-LAKES CENTER FOR THE ARTS Palmer Lake, CO—Nationally known artists from around the United States will showcase their sculptures at the first annual Sundance Mountain Sculpture Exhibition from October 5th through October 29th at TriLakes Center for the Arts in Palmer Lake. This amazing show features over 30 locally and nationally known sculptors whose works of art are created in a variety of mediums including: stone, terra cotta, bronze, wood and even concrete! Nationally known sculptors Lisa Gordon, Richard Pankratz and Ruth Burink, among others will have their works on displayed. Internationally known sculptor and architect, Lloyd Anderson, whose work, “Great Wing” is featured at the Royal Terminal in Riyadh, Saudi Arabia, will be the juror for the grand prize of $1000. Approximately 70 Sculptures

For more information about this event visit www.bluestarrecyclers.com or call TLC Computer Repair at 719-302-2937

will be on exhibit throughout the Art Center and all are available for purchase by the public. “This is the first national sculpture show we’ve had at Tri-Lakes Center for the Arts and we are thrilled and excited to be hosting it,” said Tri-Lakes Center for the Arts Executive Director, Susan Adams.

Recycling Fees: Monitors/TV’s (measured diagonally) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1 per inch Printers/Fax Machines . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 each Computers (Desktop or Laptop) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 each Audio/VIdeo Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 each Small Appliances/ Microwaves. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 each Hard Drive Destruction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 each

The public is invited to attend the free opening reception, mingle with the artists and watch a live sculpting demonstration on October 9th from 5pm to 8pm. A cash bar will be available.

A portion of the event proceeds and any additional cash donations will benefit the Monument Hill Kiwanis

For more information, please call Tri-Lakes Center for the Arts at 719.481.0475 or go to www.trilakesarts.org. The exhibit is free and open to the public.

Damage Control!

Tri-Lakes Center for the Arts is opened Tuesday through Saturday from 12pm-4pm, and was voted the 2010 non-profit of the year by TriLakes Chamber of Commerce. TriLakes Center for the Arts is located at 304 Hwy 105 in Palmer Lake— just 20 minutes North of Colorado Springs. The mission of Tri-Lakes Center for the Arts is to create community partnerships for demonstrating, teaching, exhibiting and promoting the arts and humanities. The center is an advocate for artistic growth in our community and offers programs that benefit residents, business owners, students, artists, art lovers and all who are inspired by the arts.

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SNIPPETZÂŽ HEALTH AND WELLNESS Itâ&#x20AC;&#x2122;s also normal for older people, given a sufficient amount of time, to recall the events of the preceding day or of special occasions. They might, on occasion, find it difficult to come up with a particular word, but they should be able to continue to perform tasks like balancing a checkbook. They might misplace things, as we all do. However, they can institute a search in an orderly and methodical way. Itâ&#x20AC;&#x2122;s not normal to forget an entire event even when they are given promptings of what has happened. Misplacing things because the things have been put in strange places isnâ&#x20AC;&#x2122;t normal. An example is putting the car keys in the refrigerator.

WHAT ARE SIGNIFICANT LAPSES OF MEMORY? DEAR DR. DONOHUE: My mother is 69 and has, during the past few years, shown signs of memory problems. In the span of 20 minutes, she might ask the same question several times. She has trouble following the flow of conversation. I am concerned she might be forgetting her medicines. I called her physician and was told that until she forgets what things like toasters are used for, there is no real concern. Isnâ&#x20AC;&#x2122;t early intervention a key to treating Alzheimerâ&#x20AC;&#x2122;s? -- M.K.

Neurologists, geriatricians (doctors who specialize in the treatment of the elderly), psychiatrists and psychologists administer tests that more precisely reflect a personâ&#x20AC;&#x2122;s memory and thinking capabilities. Having your mother tested isnâ&#x20AC;&#x2122;t a bad idea, and she should not take offense at the suggestion.

Four medicines constitute the bulk of prescriptions written for Alzheimerâ&#x20AC;&#x2122;s disease. They are Aricept, Razadyne, Exelon and Namenda. The first three are usually prescribed for the early stages of this illness. None is a cure. ANSWER: With age, it takes more time They can slow its progression. Dozens to retrieve information from the memo- of new medicines are currently under ry than it does in youth. Thatâ&#x20AC;&#x2122;s normal. investigation.

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The booklet on Alzheimerâ&#x20AC;&#x2122;s describes this illness and its treatment in understandable terms. Readers can obtain a copy by writing: Dr. Donohue -- No. 903W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipientâ&#x20AC;&#x2122;s printed name and address. Please allow four weeks for delivery. *** DEAR DR. DONOHUE: I havenâ&#x20AC;&#x2122;t seen anything in your column about fungus foot infection. We have several family members who have it on their toes. How does it start, and what can be done for it? -- Anon. ANSWER: I have to believe youâ&#x20AC;&#x2122;re referring to athleteâ&#x20AC;&#x2122;s foot, the most common kind of fungal foot infection. Few people pass through life without an encounter with the fungi of athleteâ&#x20AC;&#x2122;s foot. The infection spreads through contact with shed skin that contains the fungus.

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Fungi thrive in warm, moist environments. A change of socks twice a day and wearing an alternate pair of shoes on successive days keep the feet dry. Antifungal foot medicines abound and come as ointments, creams or lotions. It can take a month or more for results. After the skin has healed, continue to apply the medicine for another two weeks. If over-the-counter medicines -- Micatin, Lotrimin AF and Tinactin are a few names -- donâ&#x20AC;&#x2122;t put an end to the infection, prescription medicines can. *** 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. (c) 2010 North America Synd., Inc. All Rights Reserved

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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

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Complete Stats for Sept. 2010 ADDRESS

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

PREMISES LIABILITY Slip and Fall Construction Defect Negligent Care

PERSONAL INJURY Bike Accident Dog Bites Pedestrian Accidents Wrongful Death

B/B/G 2,2,1

762 Century PL A

YR BLT 1986

FINISH TOTAL ASKING SQ FT SQ FT PRICE 932 1,420 $74,900

SOLD PRICE $70,100

DATE SOLD 9/09/2010

DAYS ON 374

567 Greeley BL

1,2,0

1924

961

$122,000

$123,000

9/14/2010

294

181 Shady LN

2,1,0

1946

1,125

1,413

$125,000

9/29/2010

360

1255 Paula CR

2,1,1

2001

1,089

$128,900

$122,900

9/03/2010

1304 Yellow Granite 17623 Quarry WY

3,3,2

2005

1,625

$148,900

$141,500

9/15/2010

141

3,3,2

2006

1,527

$159,900

9/07/2010

218 Corso ST

2,1,0

1980

1,275

$175,000

$165,000

9/24/2010

525 Jefferson ST

5,3,2

1978

2,407

2,432

$199,500

$195,000

9/03/2010

146

170 Holbrook ST

5,3,2

1993

3,332

$219,900

$212,500

9/24/2010

166

442 Oxbow DR

3,3,3

2000

1,967

2,879

$227,400

$229,000

9/28/2010

176

1730 Moorwood PT

2,2,2

2000

1,595

$234,900

$232,000

9/08/2010

25 Sailing WY

4,3,2

1998

2,207

2,288

$239,900

$231,000

9/10/2010

15355 Sostrin LN

4,3,2

1994

2,280

3,358

$250,000

9/24/2010

16956 Park Trail DR

6,4,3

2002

3,005

3,056

$259,000

$252,000

9/30/2010

17740 Grama Ridge

3,2,2

1986

2,386

$259,900

$250,000

9/28/2010

228 Misty Creek DR

4,4,2

1998

2,380

3,625

$280,000

$260,000

9/21/2010

14625 River Oaks DR

3,2,3

1994

2,241

$285,000

$255,900

9/17/2010

515

17940 Appaloosa RD

5,4,4

1984

3,381

$298,000

$284,000

9/30/2010

124

19350 Rim Of World

3,3,2

1979

3,072

3,500

$300,000

$280,000

9/24/2010

175

16202 Palace Creek 152 Old Creek DR

5,4,3

2002

2,970

3,022

$319,900

$315,900

9/03/2010

163

5,4,3

1998

2,928

2,978

$349,900

$325,000

9/14/2010

116

1670 Ridgeview CR

5,4,2

1993

3,926

4,256

$349,999

$310,000

9/20/2010

1355 Woodmoor DR

4,3,5

1964

3,867

3,951

$350,000

$325,000

9/27/2010

125

19976 Alexandria DR

4,3,3

2010

2,866

3,133

$357,948

$358,553

9/30/2010

1510 Windwood CT

3,3,2

1997

2,270

3,089

$365,000

$333,000

9/03/2010

149

19350 Misty Morning 15970 El Dorado WY

5,4,2

1971

3,945

4,006

$365,000

$357,500

9/21/2010

134

4,3,2

1981

4,318

4,400

$375,000

$368,000

9/29/2010

453 108

19995 Alexandria 1585 Capadaro CT

5,3,3

2007

2,668

4,118

$425,000

$400,000

9/08/2010

5,3,3

1998

3,893

4,103

$439,900

$425,000

9/29/2010

3820 Wavy Oak DR

4,3,3

1997

3,182

4,908

$449,900

$427,500

9/17/2010

112

1020 South Park DR

4,3,2

2002

3,997

5,424

$450,000

$425,000

9/17/2010

20381 W Elk Creek

4,4,5

1999

2,963

4,743

$499,000

$476,903

9/27/2010

156

MEDICAL MALPRACTICE

955 Woodmoor Acres 19670 Belatrix DR

4,4,3

2009

3,248

5,286

$500,000

9/10/2010

438

Misdiagnosis Birth Trauma Inappropriate Treatment Negligent Procedure

1133 Greenland Forest 15743 Wildwood CT

5,3,2 5,3,3

2003 2008

3,948 3,278

4,010 3,856

$531,000 $539,500

$505,000 9/17/2010 $549,000 9/06/2010

375 106

6,5,3

2003

4,280

4,408

$550,000

$540,000

9/15/2010

400

19975 Twisted Pine 4181 High Forest RD

4,5,3

2004

5,994

6,189

$850,000

$800,000

9/30/2010

5,7,4

2007

7,138

7,717

$950,000

$850,000

9/30/2010

329

735 Piney Ridge Way

4,6,3

2002

5,561

6,000

$995,000

$935,000

9/10/2010

15175 Raton RD

5,6,4

2009

6,730

$1,351,58 $1,351,584 9/10/2010 4

Colorado Springs Injury Law Oﬃce 1230 Tenderfoot Hill Road, Suite 305 Colorado Springs, Colorado 80906 Phone: (719) 471-2104 Fax: (888) 543-0928 Email: ColoradoSprings@BuxtonLuther.com

Denver Injury Law Oﬃce 7375 East Orchard, Suite 300 Greenwood Village, Colorado 80111

This information is provided to help you keep in touch with the property values in your neighborhood. For more indepth research pertaining to your individual home, please contact me and I would be happy to give you a no-obligation Free Comparative Report.

Phone: (800) 435-0586 Fax: (888) 543-0928

Check out the LIBRARY OF ALL PAST ARTICLES:

Email: Denver@BuxtonLuther.com

www.SpringsRealtyTalk.com

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

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

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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.

HOUSE for RENT

HOUSE FOR RENT IN PALMER LAKE 3 bedrooms / 1 3/4 baths. Family room, wood stove, deck, fenced yard. Pets welcome. $1,000/mo. Available August 1st. (719) 648-9462

TOWNHOUSE for RENT

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

PALMER LAKE TOWNHOUSE 2 br / 2 ba / 2 car garage New appliances, fireplace. Beautiful Views Borders National Forest $950/mo. (719) 481-3378

or Funder Enlightening, Inc. PO Box 789 Monument, CO 80132

Beautiful Home in Gleneagle! No Covenants in Monument! 14126 Petrel Dr. $274,900 18170 Briarhaven Ct $284,900 5 Bedrm, 4 Bath, 3 Car 3108 Sq Ft

Visa / Mastercard / Check

4 Bedrm, 4 Bath, 2 Car 2616 Sq Ft FOR SALE

EXERCISE/WEIGHT MACHINE Multi-Station, Dual Stack, Power Guide - Model X4MW. All cables recently replaced. Excellent Condition. Best Offer. Call Terry 719-488-0875

Pool, Tennis, Security and More! Investors! 1st Time Buyers! 1094 Fontmore Rd #A $194,900 Golden Condo by School of Mines! 3 Bedrm, 2 Bath, 1 Carport 1400 Sq Ft

INTERIOR PAINTING

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AFFORDABLE HORSE BOARDING Boarding available on 12 acres west of Monument. Barn, locked tack room, pasture and grass hay. $200 summer, $300 winter. Maximum of 4 horses boarded. Call Rick on 481-6660

ď &#x2019;ď Żď ˘ď šď Žď&#x20AC; ď &#x2021;ď ˛ď Ąď ¨ď Ąď ď&#x20AC; Homes@RobynGraham.com www.RobynGraham.com

ď&#x20AC;ˇď&#x20AC;ąď&#x20AC;šď&#x20AC;ď&#x20AC;˛ď&#x20AC;ąď&#x20AC;śď&#x20AC;ď&#x20AC;´ď&#x20AC;´ď&#x20AC;˛ď&#x20AC;ą enough. It seems that when youâ&#x20AC;&#x2122;re in the hospital, you might not actually be â&#x20AC;&#x153;inâ&#x20AC;? the hospital as an admitted patient. You might be â&#x20AC;&#x153;observed,â&#x20AC;? which is not the same thing.

his is very sneaky. If you go into the hospital and then have nursing-home care, Medicare might not pay for that care if you didnâ&#x20AC;&#x2122;t stay in the hospital long

Sometimes a doctor will send you to the hospital, and youâ&#x20AC;&#x2122;ll be observed for a day or two to see if you should really be admitted. It seems that a criteria program called InterQual makes decisions about this. Its web page says that InterQual is â&#x20AC;&#x153;the undisputed gold standard in evidence-based clinical decision support.â&#x20AC;? Isnâ&#x20AC;&#x2122;t that nice. Whatever happened to our doctors deciding how sick we are?

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SPACIOUS LOT FOR SALE Over 1/2 acre corner lot in Monumentâ&#x20AC;&#x2122;s Hight Pines. Beautiful 3600 views at the foot of Bald Mountain. Adjacent to thousands of acres of Colorado Natural Preserve. Easy access to I-25 and FREX. Call Bill at (520) 834-7812 b.roach@yahoo.com

And how do you know what your status is? You have to ask. Theoretically, you could stay in observation mode for weeks and never actually be admitted. Medicare considers that to be outpatient care, and it wonâ&#x20AC;&#x2122;t pay for all you get while youâ&#x20AC;&#x2122;re in the hospital. Any nursing-home care you need after that wonâ&#x20AC;&#x2122;t be paid for by Medicare unless youâ&#x20AC;&#x2122;ve spent three days in the hospital as an actual admitted patient. A Medicare pamphlet says: â&#x20AC;&#x153;If youâ&#x20AC;&#x2122;re in the hospital more than a few hours, always ask your doctor or the hospital staff if youâ&#x20AC;&#x2122;re an inpatient or an outpatient.â&#x20AC;? And no matter how long youâ&#x20AC;&#x2122;re â&#x20AC;&#x153;observed,â&#x20AC;? that time doesnâ&#x20AC;&#x2122;t count toward a genuine inpatient

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BEAUTIFUL HOME FOR SALE 189,900 in the great neighborhood of Wagon Trails. 3br.3b. 2132 area size. new elementary school as well as pool, and tennis court in neighborhood. 13miles from both airforce bases.1000 off listing price to active duty military. call Darren @ 659-4000.

NEWER STUCCO RANCHER IN MONUMENT! 3 bedrooms / 2 baths / 2 car gar. Open kitchen & living room. Skylight, vaulted ceilings, ceiling fans. Backyard opens to open space. $199,000 Call Chip - (719) 291-1836

three-day stay if you need to move on to a nursing facility. To find out more about this, you can call Medicare at 1-800-MEDICARE (1-800-633-4227). Or go online to medicare.gov/publications and put the publication ID number in the search box: 11435. Be sure to scroll down and read all the examples in the chart. 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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DINING GUIDE

Family Owned and Operated

Catch all your MLB Games Here! Live Music Every Tuesdays And Saturdays Open Mic Night Wednesdays 23 Craft Beers on Tap!

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

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SNIPPETZ DINING GUIDE / LOCAL SCOOP ®

basic ingredients you have on hand widens the variety of what you can cook at a moment’s notice. Stock up on great “pantry basics”: Varieties of canned beans, green and black olives, varieties of pasta and bottled sauces, boil-in-bag brown rice, ethnic spice rubs, prepared salsa and canned fruits such as pineapple, pears and peaches are great basic “go to” items for family meals. Keep it simple: Simplicity is a main ingredient when cooking up family meals. Pull from the “pantry basics,” then add your own twist to create a unique and flavorful dish. Shop smarter: Breaking bulk purchases into smaller, more usable portions is a great way to efficiently make use of sale items. Estimate what you will use in the next few days and freeze the rest. This works especially well for large packages of meat, such as bulk-pack pork chops or tenderloins.

MAKE MEAL TIME, FAMILY TIME

oordinating food, family members and frantic schedules isn’t easy. Every busy cook knows that pulling it all together at dinnertime is a challenge! One way to bond with your loved ones and save time is to make cooking dinner a family affair. It’s best to involve the whole family with the planning, purchase and preparation of meals. There’s little truth to the adage “there are too many cooks in the kitchen,” especially when it’s time to eat. Here are some sure-fire tips for ways you can plan ahead to make mealtime a fun, family time: Find age-appropriate tasks for kids: Gathering ingredients, measuring, mixing or setting the table are wonderful ways to involve every member of the family with meal preparation. Encourage family interaction: Planning the weekly menu and grocery shopping are tasks that the whole family can help with. Keep cooking basics on hand: Broadening the range of

Use one-step flavor boosters: Canned tomatoes, bottled dressings, pre-packaged rubs, seasonings and dried herbs are easy ways to create flavorful new dishes using the same pantry and freezer staples.

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Serving Anne & Mann’s Gourmet Ice Cream

This simple recipe for Apple-Pecan Pork Chops is a great way to involve the whole family in preparing dinner. The pork chops can be prepared by one person, while the rest of the family can assemble and measure ingredients, and open and drain the canned goods. Toss together a salad, and in less than 45 minutes the whole family can sit down to a delicious meal!

APPLE-PECAN PORK CHOPS 1 pound thin-cut pork chops 1 tablespoon olive oil 1 tablespoon butter 1 tablespoon poultry seasoning

Shakes • Malts • Cones • Sundaes • Banana Splits Root Beer Floats • Chicago Style Hot Dogs Bratwurst • Soups • Chili Tues, Wed, Thur & Sun : 11:00AM - 8:30PM FRI. & SAT. : 10:00AM - 10:00PM Closed Monday 24 Hwy. 105 in Palmer Lake

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Hwy 105 • Primrose St. • Palmer Lake • 481-TOOT

Come see the Train! Operated by the Volunteers of the American Legion Tri-Lakes Post 9-11

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Sunday 8:30am - 10:30am

1 teaspoon salt 1 teaspoon ground black pepper 1 (16 ounce) can sliced apples, drained 1 (16 ounce) can sliced sweet potatoes, drained 1/4 cup packed brown sugar 1/2 teaspoon cinnamon 1/2 cup chopped pecans

the skillet and cook for 8 to 10 minutes more. Makes 4 servings.

1. Trim the fat from the pork chops. Heat the oil over medium-high heat in a large skillet. Add in the butter and heat until it sizzles. Reduce heat to medium. Sprinkle both sides of the pork with the poultry seasoning, salt and black pepper.

Angela Shelf Medearis is an award-winning children’s author, culinary historian and the author of six cookbooks. Her latest cookbook is “The New African-American Kitchen.” She is known as The Kitchen Diva and is the executive producer and host of “The Kitchen Diva!” cooking show on Hulu.com. Visit her Web site at www. divapro.com.

2. Arrange pork chops in the skillet. Cook for 2 minutes; turn chops over. Using a small bowl, mix together the apples, sweet potatoes, brown sugar, cinnamon and pecans. Spoon mixture over the pork. Cover

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SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

1. LANGUAGE: What does the Latin prefix “juxta” mean? 2. PSYCHOLOGY: What kind of fear is represented in anthophobia?

Sports Quiz

By Chris Richcreek

1. How many times did Pete Rose lead the National League in batting average for a season?

3. CHEMISTRY: What is the atomic number of hydrogen?

2. In how many consecutive seasons did Dodgers pitcher Sandy Koufax toss at least one no-hitter?

4. MOVIES: For what 1983 film did Shirley MacLaine win an Academy Award for best female actress?

3. When was the last time before 2009 that the Purdue football team won a game at Michigan Stadium?

5. MATH: What is the Arabic equivalent of the Roman numerals XCV?

4. LeBron James and Zydrunas Ilgauskas are among four players who have scored 10,000-plus points for the Cleveland Cavaliers. Name either of the other two.

6. TELEVISION: Which newsman had the famous signoff line, “And that’s the way it is”? 7. MEDICINE: What is the normal human body temperature in Celsius? 8. HISTORY: What was the name of Amelia Earhart’s navigator on her final ill-fated flight? 9. MEASUREMENTS: What is the amount in a quire?

5. Who was the last rookie goaltender to win a playoff series for the Detroit Red Wings before Jimmy Howard in 2010? 6. In 2010, team owner Chip Ganassi had a driver win the Indianapolis 500 and the Daytona 500. Name the two drivers.

10. GEOGRAPHY: What is the only U.S. state that has only one syllable in its name?

7. Tennis star Rafael Nadal has won the French Open fives times in six years, with Roger Federer capturing it in 2009. Who won it in 2004?

1. Who sang “Can’t Get Enough of Your Love, Babe,” and when? 2. Name the writer and singer of “It’s All Over Now, Baby Blue.” 3. “Crazy Little Thing Called Love” was a single hit for which band? 4. Name the first No. 1 single by Judas Priest. 5. What was the first charted hit by teen idol Fabian? 6. Where did the rock band Goo Goo Dolls get its name? (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 (19).

New DVD Releases for Week of October 11, 2010 PICKS OF THE WEEK

“How to Train Your Dragon” (PG) -- The reason Dreamworks’ animated films don’t reach the same level of quality as Pixar’s is that all too often, the humor is derived from lame pop-culture references rather than from the characters’ personalities or their situation. In “How to Train Your Dragon,” Dreamworks has finally gotten it right and made an animated family film that is funny and heartwarming, with the same timeless, classic feel we get when watching, say, “Toy Story” or “Monsters, Inc.”

The film centers around a Viking boy named Hiccup who would rather tinker with his inventions than join his fellow Vikings in fighting the dragons that attack their village. One day Hiccup, using one of his inventions, accidentally brings down a young dragon. Instead of killing the beast, he befriends it and names it Toothless. Because humans and dragons are supposed to be mortal enemies, and this is a family film, it is mandatory that everyone must learn A Valuable Lesson About Friendship and Family. I really liked this movie. The flying scenes are breathtaking, the voice acting by Jay Baruchel, Gerard Butler, America Ferrara and Craig Ferguson is well-done, and the film zips along at a jaunty pace. Check it out. “The Hangover” (Extreme Edition) (R) -- For cryin’ out loud, this movie has more versions than “Blade Runner.” This “Extreme Edition” is the third release of the film this year. What’s different? Nothing. It’s the same movie you saw in the theater, only this time it includes a 28-page book of racy photos from Stu’s camera and the “missing wedding album,” more outtakes and a

gag reel and some other junk thrown in to separate rubes from their cash. Don’t get me wrong, I thought the movie was funny, but this DVD release is nothing but a shameless grab for more cash. “Christmas Classics Gift Set” (Unrated) -- Four classic TV holiday favorites: “Rudolph the RedNosed Reindeer,” “Santa Claus Is Comin’ to Town,” “Frosty the Snowman” and “Frosty Returns” are bundled in this affordable three DVD set (also available on Blu-Ray).

DOG OF THE WEEK

“Jonah Hex” (PG-13) -- Not only is “Jonah Hex” the worst movie of the year, but at 72 minutes, it’s also the briefest (thankfully). Josh Brolin stars as the titular Hex, a cowboy with a mutilated face who’s out to avenge the brutal murder of his family -- until President Grant recruits him to hunt down John Malkovich, an evil dude lookin’ to destroy the U.S. Capitol with a super weapon invented by Eli Whitney. For a comic-book movie that’s barely an hour long, you’d expect it to be wall-to-wall action. No dice. It’s mostly grizzled dudes standing

around talking. BUT, despite this being boring for the most part, there is one scene that is actually uber-cool. Jonah Hex has the power to resurrect the dead. So in one scene, he kills a dude, immediately resurrects the bad guy and then PUNCHES HIM SO HARD THE BAD GUY EXPLODES INTO A BAJILLION WEE FLAMES. The movie is garbage, but that scene is totally badass.

TV SERIES

“Dexter’s Laboratory” Season One “Angel” Complete Series “Dollhouse” The Complete Second Season “C.S.I.: Miami” The Eighth Season “The Tudors” The Final Season “Ghost Whisperer” Complete Series “In Treatment” The Complete Second Season “Inspector Lewis” Series 3 “Ghost Whisperer” The Fifth Season “Renegade” Complete Series “Wolverine & X-Men” Complete Series “Marcus Welby, M.D.” Season Two (c) 2010 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

We have the NFL Sunday Ticket on the BIGGEST screen in Tri-Lakes!

HUEY’S PAGE

Come in to watch the game and you may win a seat in one our comfy recliners with a FREE pitcher of beer

KARAOKE IS BACK ! Every Friday 8 PM

LIVE MUSIC EVERY SATURDAY! 9 PM-1AM Check us out on Facebook - PINZ Bowling Center Or on the Web - www.pinzbowling.com

RODZ is located inside PINZ The Premier Family Entertainment Center in the Tri-Lakes Area 855 Hwy 105, Palmer Lake 80133

Answers & Solutions

(719)487-PINZ (7469)

LIBRA (September 23 to October 22) A suggestion about a policy change could create heated reactions. Keep your mind open and resist joining in with naysayers unless they can show a real basis for their position.

TRIVIA TEST ANSWERS 1. Alongside 2. A fear of flowers 3. 1 4. “Terms of Endearment” 5. 95 6. Walter Cronkite 7. 37 C 8. Fred Noonan 9. 25 sheets of paper 10. Maine

OCTOBER 11, 2010 ARIES (March 21 to April 19) Your moodier side might emerge this week. But the dark period should pass in time for the party-loving Lamb to go on a happy gambol with some very special people this weekend.

SPORTS QUIZ ANSWERS

TAURUS (April 20 to May 20) Yet again, you show your skill at being able to indulge in your love of the arts this week while still taking care of practical matters, including some still-unfinished business matters.

1. Three times (1968, ‘69 and ‘73). 2. Four consecutive years (1962-65). 3. It was 1966. 4. Brad Daugherty and Austin Carr. 5. Glenn Hall, in 1956. 6. Jamie McMurray (Daytona 500) and Dario Franchitti (Indianapolis 500). 7. Gaston Gaudio.

FLASH BACK ANSWERS 1. Barry White in 1974. The song hit the top of both the pop and R&B charts. 2. Bob Dylan. The 1966 song has been covered by others, notably The Byrds and The Animals. 3. Queen, 1980. Freddie Mercury wrote the song, as well as “We Are the Champions.” 4. It doesn’t exist. The heavy-metal band never saw a No. 1 until their album “Killing Machine” rose to the top in 1978 -- in Finland and France. 5. Born Fabiano Anthony Forte, his song “Tiger” reached No. 3 on the charts in 1959. It was his all-time biggest hit. Fabian’s film career was more lucrative, starting with “Hound Dog Man” in 1959. 6. Apparently from a toy ad: There was a doll called a Goo Goo, which came complete with a four-piece crib set and matching comforter.

GEMINI (May 21 to June 20) A potential change might appear to be what you’ve been looking for. In any event, consider both the negative as well as the positive possibilities before making any sort of decision. CANCER (June 21 to July 22) Relationships continue to dominate your aspect this week on a mostly positive level, with just a few problem areas you can smooth over. Also, try to be flexible about travel plans. LEO (July 23 to August 22) You love being on center stage, and while you absolutely purr at the sound of all that praise, be careful not to take on too many commitments at the expense of time spent with loved ones. VIRGO (August 23 to September 22) You might feel that you need to get involved in a matter concerning a friend or relative. But while the issues appear to be cut and dried, they might not be. Get more facts before you act.

SCORPIO (October 23 to November 21) While potential career changes warrant your interest, don’t ignore current job responsibilities. A personal relationship can also benefit from more of your attention. SAGITTARIUS (November 22 to December 21) Don’t guess at what the facts might be if you hope to make the best decision possible. The wise course is to ask direct questions and act on the answers you get. CAPRICORN (December 22 to January 19) Your efforts involving that pesky problem should soon show positive signs of being resolved. This would allow you to shift some of your focus in another direction. AQUARIUS (January 20 to February 18) While you enjoy well-deserved praise for getting a difficult job done, there’s no time to relax. A new challenge looms. Expect more support from a once-strong critic. PISCES (February 19 to March 20) You might still have explaining to do about your decision, but support grows as you continue to make your case. You also might want to start making plans for the upcoming holidays. BORN THIS WEEK: You insist on making decisions based on facts, not on popular opinions. Have you considered a career in science? (c) 2010 King Features Synd., Inc.

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LEARN ABOUT THE MARKET WITH

A FREE CUP OF COFFEE.

FINANCIAL FOCUS WHEN INVESTING, DONâ&#x20AC;&#x2122;T STOP AT U.S. BORDER Provided by Adam Grayson of EdwardJones Investments

Youâ&#x20AC;&#x2122;re invited ... to join us at our next coffee club meeting. Discussing current updates on the market and the economy in a relaxed, informal setting is a great way to get to know one another. Plus, the coffeeâ&#x20AC;&#x2122;s on us. Please join us at the next meeting of our coffee club and bring a friend.

August 19, 21,2010 2010 Date: October Time: 9:00 a.m. Place: Serranos Coffee Shop, 582 Highway 105, Monument, Colorado Adam R Grayson, AAMSÂŽ Financial Advisor .

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

www.edwardjones.com

Member SIPC

Attention High School Juniors

Win an all-expense paid trip to Washington, D.C. or Steamboat Springs

Mountain View Electric Association is sending one student to the Annual Washington, D.C. Youth Tour in June and two students to the Cooperative Youth Leadership Camp near Steamboat Springs, Colorado in July.

In less than two weeks, United Nations Day will be celebrated. Itâ&#x20AC;&#x2122;s an occasion to highlight and reflect on the work of the United Nations, whose mission is to promote understanding and cooperation among the worldâ&#x20AC;&#x2122;s countries. Of course, in an era of instantaneous communications and speedy global travel, we are all connected much more closely than ever before. And thatâ&#x20AC;&#x2122;s certainly true in the financial markets, too, because as an investor, youâ&#x20AC;&#x2122;ve got a world full of opportunities. Many people, however, still think the U.S. totally dominates the investment scene. But the fact is that U.S. stock markets make up less than half of the total global stock market value, according to the Census Bureau. And that should come as no surprise to you when you consider many of the products you use on a daily basis, from the Hyundai (South Korea) you drove to work to the Nestle Crunch bar (parent company in Switzerland) you snacked on at lunch to the Sony television (Japan) you watch at night. Not only are many strong companies based in the developed countries, but some emerging markets â&#x20AC;&#x201D; countries such as China, India, Brazil and Mexico that are characterized by younger, less mature economies â&#x20AC;&#x201D; are growing rapidly, which may produce good investment opportunities. Keep in mind, though, that emerging markets do involve investment risks different from those of more developed countries. Securities may be less liquid and more volatile because economic structures are generally less diverse and mature. And by investing internationally, you can gain another key benefit â&#x20AC;&#x201D; improved diversification. If you only in-

To enter: â&#x20AC;˘ Just write a short essay on â&#x20AC;&#x153;How will energy storage affect the future of renewable energy?â&#x20AC;? â&#x20AC;˘ Your parents or guardians must receive electric service from MVEA. â&#x20AC;˘ You must be at least 16 years of age by January 1, 2011. Entry forms are available on MVEAâ&#x20AC;&#x203A;s web site at www.mvea. coop. For more information call MVEAâ&#x20AC;&#x203A;s ofďŹ ce at 719-7752861, 719-495-2283 or 1-800-388-9881

vested domestically, and a downturn hits us, your portfolio will likely take a hit. But, at any given time, international markets may perform quite differently than the U.S. market. Consequently, if you expanded your investment horizon beyond U.S. borders, your foreign investments could be doing relatively well, even if your American investments were lagging. Keep in mind, though, that diversification, by itself, cannot guarantee profits or protect against loss, though it may be able to help reduce the effects of volatility. While you can gain some benefits by investing internationally, youâ&#x20AC;&#x2122;ll also need to consider the risks, such as political risk. For example, new governments can come in, nationalize companies, drastically change policies or rules affecting commerce, or take other actions that could have a big effect on your investments. You might also encounter currency risk â&#x20AC;&#x201D; that is, changes in the value of the U.S. dollar, relative to foreign currencies, could negatively affect the value of your investments. Another factor to consider is the difference in accounting standards between the U.S. and other countries, a difference that can result in difficulty analyzing the true value and performance of foreign investments. You can enhance your portfolioâ&#x20AC;&#x2122;s diversification without investing a lot abroad. If you are considering international investments you may want to limit the foreign exposure to no more than 20 to 25 percent of your overall portfolio, with the exact amount depending on your individual risk tolerance, time horizon and long-term goals. Also, given the more complex issues involved in international investing, youâ&#x20AC;&#x2122;ll want to consult with a professional financial advisor before taking action. But once youâ&#x20AC;&#x2122;ve done your â&#x20AC;&#x153;due diligence,â&#x20AC;? donâ&#x20AC;&#x2122;t be afraid to launch your voyage to the world of international investing. You might like what you see on your journey. 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 â&#x20AC;˘ Palmer Lake, CO

719-481-4964

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SNIPPETZ BUSINESS / COMMUNITY CALENDAR

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A Professional Presentation on a Budget October 12th - 6:30-9:00PM Eric’s Monument Grille 1455 Cipriani Loop, Monument - (719) 594-4300 Tri Lakes Networking Team (TNT) is a dynamic women’s group that is business focused and FUN! Cost: Whatever you decide to drink or eat and 7% of your bill will be donated to Tri-Lakes Care. Join us for an evening of great food, fellowship and fun! Go to www.meetup.com/trilakesnetworkingteam to register! Tri-Lakes Women’s Club (TLWC) Luncheon Preview of the Rocky Mountain Women’s Film Festival Fri., Oct. 15, 11 a.m. The Club at Flying Horse, 1880 Flying Horse Club Dr., Colorado Springs. Get a sneak peek at several of the films being shown in this year’s festival. RSVP: Charlie Ann Hayes, nonahayes@ comcast.net, 481-9693. Membership is open to all women living in School District 38 and the luncheons are open to all current TLWC members and their guests. The club sponsors the Wine and Roses event in October and the Pine Forest Antique and Garden Show and Sale in April. Proceeds from these events benefit local nonprofit groups. Visit www.tlwc.net or contact Judy Crusius, crusii@aol.com, 481-1994; or Barb Dienes, bdienes@ msn.com, 487-7392. Fitness Fair at Woodmoor Pines Golf and Country Club Saturday, October 16, 9:00 am - 1:00 pm Woodmoor Pines Golf and Country Club is holding a Fitness Fair on Saturday, October 16 from 9:00 am - 1:00 pm. This is a great way to see all of the classes and programs that your community Country Club has to offer. Fitness classes begin at 9:00 am and will be short, 20 minute sample classes for you to see what each class is like. From 12:00 - 1:00 pm, there will be sample aqua

aerobic classes at the pool. Healthy snacks & refreshments will be provided for your enjoyment. $5 pp covers all of the classes, snacks, and refreshments for the whole day. The public is welcome! Space is limited. Call today to make your reservation and sign up for speciﬁc classes, (719) 884-7238. CASINO NIGHT ON THE STRIP Saturday, October 16 - 7PM to 10:30PM at Sundance Mountain Athletic Center 1808 Woodmoor Dr., Monument, CO $45 each or $80 per couple. Each buyin includes, hors d’ouvres, full buffet, 1 comp. beverage and $150 in casino cash. Call today to reserve your tickets! 719-481-3282. Wine Tasting at Woodmoor Pines Golf and Country Club Thursday, October 21, 6:30 pm You are cordially invited to A Wine Tasting on Thursday, October 21, 2010, 6:30 pm at Woodmoor Pines Golf and Country Club. Wines from Oregon will be presented by The Wine Seller, accompanied by a delightful assortment of finest hors d’oeuvres prepared by Woodmoor Pines Chefs. $25 pp, Discover Woodmoor Promotion, open to the public. Wine Tasting guests will receive a complementary Woodmoor Pines Member-For-a-Day pass. Enjoy our expansive facilities for one day and see firsthand the distinct advantages of membership. Call for Reservations, (719) 884-7237. Safe Trick or Treat October 31st 3:00 to 5:00pm Bring the kids downtown for a night of safe trick-or-treating as Monument merchants provide treats, activities and show-off their creative costumes. The Monument Police Department patrols the streets to help insure the safety of our goblins. Fall Craft Show November 4 - 7, 2010 in the Black Forest Don’t miss the 46th Annual Black Forest Arts & Crafts Guild Fall Show and Sale held at the Black Forest Community Center (Black Forest Rd. just north of Shoup Rd.) Hours are Thurs.-Sat. 9 a.m. to 8 p.m., Sun. 10 a.m. to 2:30 p.m. Over 90 artisan and culinary members will be selling hand made jewelry, ceramics, soaps and candles, holiday decorations andornaments, stained glass, woodworking, quilted items, baby items, baked goods and much more. This is theperfect place to do your Holiday shopping.

Admission is FREE. The Black Forest Arts & Crafts Guild is a Colorado non proﬁt organization. A portion of all sale proceeds will benefit the Black Forest Arts & Crafts Guild Scholarship Fund and the Black Forest community. Due to fire regulations, no strollers are allowed in the building. For information contact Diane at 719-494-1455 or visit our web site at www.BFACG.org Only Guild members are allowed to show. Tri-Lakes Women’s Club (TLWC) Luncheon: Deck Your Halls – Holiday Decorating the Villa Décor Way, Fri., Nov 19, 11 a.m. Falcon Club at the U.S. Air Force Academy. Staci Ewing, owner of Colorado Villa Décor, will share the latest decorating trends and give us wonderful ideas for making our homes cozy and beautiful for the winter holidays. RSVP: Charlie Ann Hayes, nonahayes@comcast.net, 481-9693 or Maureen Kral, reenbean@aol.com, 282-0164. Membership is open to all women living in School District 38 and the luncheons are open to all current TLWC members and their guests. The club sponsors the Wine and Roses event November 5th, and the Pine Forest Antique and Garden Show and Sale April 30th-May1st. Proceeds from these events benefit local nonprofit groups. Visit www.tlwc. net or contact Judy Crusius, crusii@aol.com, 481-1994; or Barb Dienes, bdienes@msn.com, 487-7392. Banner Christmas Historic Downtown Monument is sponsoring the the third annual “Banner Christmas.” Banner Christmas features original Christmas art banners, handpainted by renowned local artists. The banners are on display on lamposts in the historic downtown of Monument. Unveiling is the Friday after Thanksgiving and they remain on display throughout the holiday season. If you are interested in painting a banner for the 2009 season, please contact Vicki Mynhier at 719.460.4179 or email at vmynhier@ townofmonument.net. Small Town Christmas Saturday December 4th 10:00am to 2:00pm Small Town Christmas is a day full of holiday activities includes visit from Santa and Mrs. Claus along with crafts and activities for children, open houses and other special events as the merchants of Historic Downtown Monument celebrate a Small Town Christmas.

SNIPPETZ BUSINESS, FINANCE & LAW have some value to someone else, especially for their parts. Sell duplicates of tools and stereo speakers.

CASH IN ON CLUTTER

f you know you’ll need extra cash for the holidays, consider this: There is cash in clutter. By beginning now to unload the clutter, you can accomplish two things: getting rid of extras that could be stifling you, and making a little extra money. Where’s the clutter? It’s potentially everywhere. Consider consigning clothing you haven’t worn in two years, and sell toys the children don’t play with anymore. Have you done a lot of “retail therapy” either in stores or at yard sales, bringing home knick-knacks you end up dusting every week? Old watches, musical instruments, iPods and mp3 players may

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If you have multiple computers, your old reject might be just the thing for someone else. The same goes for your older monitors and keyboards. If you’ve amassed a large collection of videos and DVDs (that no one ever watches anymore), sell them and clear up some space. The same goes for books and craft items or hobby supplies that looked appealing when you bought them. If you have far too many inherited items that you’ve kept out of a sense of obligation, consider whether it’s time to let them go. For items that could be valuable, get an appraisal as to their worth. The biggest clutter sign of all is if you rent a storage unit to hold the excesses of your life. If you’ve had that unit for more than six months and haven’t visited it, that’s a sure sign that you can live without the contents. Spend a few weekends going through the boxes you’ve stored to see what you can sell. Not only will you pocket the cash, but you might be able to downsize to a smaller unit if there are items you absolutely must store. Even if you hire an online auction company to take care of the actual pric-

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and more! For more information call: 719.481.4877 ext. 100 or 719.481.1260 www.woodcarverproperties.com ing, shipping and photography of your items, you’ll come out ahead without having spent the time to micromanage online bids. If you end up giving items to Goodwill or the Salvation Army, you can still net a financial gain in the form of charitable tax deductions. Use a computer program called “It’s Deductible” to calculate the fair market value of what you donate.

By: Martin Barretta/ Business Development Director/The Shafer Group

ftentimes, business owners get so wrapped up in selling their products and services that they forget to take the time to ensure they are managing their cash flow and receiving the money for those sales. But when it comes to your bottom line, you would be wrong to simply focus on total sales dollars - You also need to focus on the cash collection of those sales. To help keep that money coming through your door on a consistent basis, here are seven tips that if used, can go a long way to helping you improve your cash flow… 1. Require a down payment on projects so that your customers fund the project - not you. 2. Set your terms to be payment in full upon completion. Do not extend out 30 or 60 days after you have completed your work. You do not get to use your hard-earned cash until payment is received from your clients, so get it as soon as you can. 3. Negotiate terms with your vendors for 30 days or more so you have an opportunity to complete the work. Bill your customers and receive payments prior to paying

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 328536475, or send e-mail to columnreply@ gmail.com. (c) 2010 King Features Synd., Inc.

AT LAST...

THE SHAFER GROUP REPORT 7 TIPS FOR IMPROVING YOUR CASH FLOW

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your vendor. 4. Have a collection process in place… and follow through. Remember, when your customers delay payments, they are using your cash. You need to ensure that you are being diligent in collecting from your customers. 5. Set up a line of credit at your bank that you can use in case of an emergency. Often, lenders rates will be less than the late fees your vendors charge. This line of credit will help you cover a lapse in cash flow for short periods of time. 6. Factoring of your receivables allows you to sell your receivables and get cash now instead of waiting 30 or 60 days. There is a fee for using a factoring service, so you need to ensure that the benefits of getting cash today exceeds the cost you will pay for that expedience.

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NOW SNIPPETZ HAS COMBINED THE BEST OF BOTH WORLDS!

7. Minimize the amount of draws you take personally from your business. Each dollar you take from your company reduces the amount of cash flow you will have available for your business to grow.

Your ad will be seen locally in Snippetz Weekly Magazine from Larkspur to Northern Colorado Springs AND by internet subscribers throughout ALL of Colorado, and the World!

Of course not all these options will work for every business so you need to evaluate and determine which of these options will work for your specific needs.

Visit us at:

To Your Success!

www.snippetzonline.com or call:

For more details, you can contact Martin Barretta with The Shafer Group at (719) 487-1200 ext. 26

(719) 487-0484

~ I NOW PRONOUNCE YOU MAGAZINE AND WEBSITE ~ 22

SNIPPETZ BUSINESS, FINANCE & LAW might also first debit the largest presented debit transaction to force the account into overdraft, so that all remaining, smaller debit transactions are “overdraft” transactions, and an overdraft fee can be imposed against 3 or 4 transactions as opposed to 1 transaction.

Lisa Welch Stevens Attorney at Law, P.C.

Admitted to Colorado State Bar and U.S. Federal Bar for the District of Colorado ❖

Business Formation

❖

Business Planning

❖

Intellectual Property

❖

Employment Law

❖

Mergers and Acquisitions

❖

Wills, Estate, Probate

❖

Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

719.488.9395

lisa@lwslawﬁrm.com • www.lwslawﬁrm.com

DIVORCE / FAMILY LAW

VALUE

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 Palmer Lake Historical Society Presents

“Julia Archibald Holmes”

oin the Palmer Lake Historical Society for an informative and entertaining evening as Kathy Sturdevant relates the life and times of Julia Archibald Holmes, the first white woman to climb Pikes Peak. Over 150 years ago, on August 5, 1858, Julia, then a 20-year-old newlywed, her husband, and a group of miners climbed to the summit of Pikes Peak. Holmes was the first recorded woman to climb the mountain, and was the first known woman to climb a “fourteener,” or14,000-foot mountain, in Colorado. It was 23 years before another woman would climb a “fourteener.” Before climbing Pikes Peak, the group had traveled over 500 miles from Lawrence, Kansas, across the Great Plains headed to the Central City gold fields. The group first saw the mountain on June 28, as they neared Fort Bent. Holmes was a women’s rights activist and wore bloomers on her hike to the Peak’s summit. Bloomers were a symbol of women’s liberation in the 1850s, and consisted of a short skirt worn over a pair of loose trousers. Upon reaching the summit, Holmes documented the majestic view in several letters, one to her mother. This program is free to the public. Refreshments will be served. Visit our website at www.palmerdividehistory. org. WHEN: Thursday, October 21, 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.

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

CHOOSING A BANK FOR YOUR SMALL BUSINESS: WHAT IS THE BEST BANK? LEGAL CONSIDERATIONS © September, 2010, Lisa Welch Stevens, Esq.

fter forming or organizing your business, the immediate next step is to open a separate banking account for that business. The number one mistake small business owners make is to run business transactions through an existing account, whether their personal account or an account for another, existing business of theirs or family members. From the legal liability point of view, and well as from a tax and accounting point of view, separate people and entities should have separate bank accounts.

In my experience local community banks do not force your account into overdraft; instead, they process all deposits presented first, and then process the debits. In addition, my experience has been that the local community banks will also notify you in advance of a potential overdraft situation, permitting you to deposit or transfer funds that same day to avoid overdraft fees.

While a bank’s desire to increase revenues by forcing overdrafts, or denying credit, may be understandable, the result can be serious for a small business. You can face legal liability for dishonored instruments; if you are in a regulated industry or business, overdrafts can potentially lead to the loss of licenses and permits necessary to conduct your business. Your business and personal credit rating can be very negatively impacted. And, if you, in the course of your business, accept customer or client deposits or retainers, and the bank draws on those funds to satisfy their fees, you may face regulatory or statutory penalties, or legal liability.

Selecting a bank for your business is a very important decision, which can have serious legal implications. A bank should not be selected simply on the basis of geographical convenience, number of branches, or how large it is. After 13 years of experience as a small business attorney, in Denver, Tri-lakes, and Colorado Springs, it is my recommendation to my clients to choose a local, community bank over the large national banking associations. This is based on legal reasons, as well as business reasons.

If you have a problem with a large bank, even closing your accounts and moving your funds to a new bank may not help you. Recently a large number of banks, including some large local ones, have begun “honoring” debits or checks presented against closed accounts, paying the items despite the fact that the account has been closed and has no funds, and then charging the former account owner with substantial overdraft fees. This occurs even where the debits presented were unauthorized by the former account holder

First, in my experience, a local community bank is more likely to extend lines of credit or commercial loans to small or new businesses. Yes, you will have to provide a personal guaranty, but that is true of all banks. Decisions are more likely to be made by local officers, who know you and the community. Decisions by large national banks are nearly always made by individuals in some regional or national office, with no knowledge of you or the community in which you are operating, based upon artificial, rigid criteria.

Local community banks offer all of the services of large banks, with the additional service of actual “ customer service”; i.e., knowing you, helping you, and making your business grow. It is vital that any business owner inquire into the actual policies of his or her bank, in order to avoid legal liability resulting from a bank’s desire to increase its revenues at the expense of its customers. Financial and tax considerations are not the only issues in choosing a bank; there are legal issues as well!

Second, a local community bank will work with you, not against you. This is where some serious legal issues come in to play. Many large national banks, in order to increase revenues from fees (since the government has clamped down on interest rates and other credit revenue streams), have changed policies in order to “force” accounts into overdraft, honor the items presented anyway, and impose hefty overdraft fees. For example, the bank might first process all debits against an account, before processing deposits, so that those debits are “overdraft” transactions, even though deposits to cover them were to be processed the same day. Or, a bank

This article expresses the opinion of the author based upon her experience only, and is not intended to constitute the proffer of legal advice. Please consult your own legal and financial advisors regarding your particular situation.

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

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SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR