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STRESSED ABOUT THE HOLIDAYS by Deborah Stumpf
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hat size turkey shall I get this year? If I invite Uncle Jim, he’ll probably drink too much and start talking politics, and he and cousin Mary will turn dinner into a war zone.
ISSUE 471 • NOVEMBER 8, 2010
FIRST NATIONAL BANK MONUMENT
How will I ever get the shopping done and the dinner preparations made when I have to work all week? Christmas is almost here, and I have so much to do before we leave town. What if it snows and the flight is cancelled? I need to get that sitter for the dog. And, oh, yea, that master card bill in January. Welcome to the holidays – and all the stressors that follow. Of course, stress is a year-round malady, but the holidays ignite emotions like a lit match to dead leaves. Dr. Shawn Talbott; a nutrition consultant and educator for athletes of organizations like the U.S. Olympic training centers, the National Basketball Association and the U.S. Ski and Snowboard Association, cited the following statistics on holiday stress from a survey conducted by the American Psychological Association.
Stressed About The Holidays... Continued on Page 2
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the resolutions to lighten the holiday heavies. More stress.
the exercise. The No. 1 excuse to avoid exercise? There’s just no time!
• Up to 69 percent of those surveyed named lack of time and money as two main stressors during the holidays.
Stress can cause increased levels of cortisol in the body, which create cravings for salty and sweet foods: a vicious cycle.
IN PERSPECTIVE
• Fifty-one percent said holiday stress is about the pressure to give or get gifts.
Family get-togethers are often a source of stress. Although Uncle Jim is a grumpy old wino, it’s expected he’ll be around for the holidays. It’s a time of year when families are supposed to be together after all. Emotionally charged stress incites overeating.
• Sadness (59 percent), sleep issues (56 percent) and lack of energy (55 percent) were the side effects of the stressors. Add to the holidays the everyday stress that Americans incur year-round. From a 2004 APA survey:
Food is a godsend in an uncomfortable setting. Potatoes and pie can thwart confrontation or take one’s focus off the three A’s: apprehension, anger and anxiety. “Honey, Uncle Jim is driving everyone crazy.” Bring on that pecan pie.
• Two-thirds of Americans said they would seek help for stress. • Fifty-four percent of Americans are concerned about the level of stress in their everyday lives.
A great amount of stress affects where people store fat. Abdominal fat is linked to people with high stress, and fat tummies and big bellies can be precursors to heart attacks and strokes. Talk about stress.
• Sixty-two percent said work has a significant impact on stress levels. • Fifty-four percent of workers were concerned about health problems caused by stress.
“I will resolve to start my exercise routine Jan. 1.” Sound familiar? Americans live a more sedentary lifestyle today, which makes a routine exercise program as important as that cup of wakeup java. However, demanding schedules impede the will to exercise, and the holiday season is a whopping good reason to ditch
• Executives and managers tend to have the most stressful jobs, while self-employed workers are the least stressed. • One in four workers had taken a mental health day off from work to cope with stress. • Seventy-three percent of Americans said money is the No. 1 factor affecting their stress level.
Stress is real, and for some it can be debilitating and lead to mental health issues like depression and anxiety. Managing the stress of everyday life is vital to maintaining a sound body and mind. Dealing with everyday stress provides an understanding to what causes it; facing the stressors can often mean making changes amid new opportunities. Putting one’s life in perspective is a surefire way to battle seasonal stressors like finding time to shop for the holidays. This is what stress looks like in a bigger picture. • There are almost seven billion people in the world. • A little more than one billion are undernourished. • More than one billion are overweight. • On Oct. 19 alone, more than 19,400 people died of hunger.
Stressed About The Holidays... Continued on Page 3
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Experts say nutritional habits affect stress. Now, that makes for another reason why some Americans might want to build an underground shelter for hiding during the holidays. Office parties, holiday dinners, desserts galore and fastfood stops for the hurried shopper: The holidays are synonymous with eating and weight gain (which brings on more stress). Then comes January and all of
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www.shelterinsurance.com Stressed About The Holidays... Continued from Page 2
• To date this year, more than 8.3 million people died of hunger. • In 2009, 43.6 million people in the U.S. were in poverty; in 2008, 39.8 million. The 43.6 million is the largest number in the 51 years the U.S. Census Bureau has published information on poverty. The above statistics reach beyond stress. But keep in mind that no one is going to send you to prison if the turkey is charred. They can’t hang you because you chose a night of popcorn and DVDs instead of the party. Johnny will survive if he doesn’t get that new Xbox game.
SPEAKING OF SURVIVAL Still not convinced that those little stressors can be swept under the rug? If so, here are 10 ideas from the Mayo Clinic to prevent stress throughout the holidays – and other days. • Acknowledge feelings: It’s OK to feel sad or to grieve during the holidays and any time. Don’t force happiness; sometimes it’s just not there, no matter what season it is. • Reach out: For every holiday celebration, there is someone somewhere who is reeling from a death of a loved one, a divorce, a bankruptcy, poor health, loneliness, etc. And if it’s you, reach out. Volunteer, find a church if you’re so inclined, find your passion and then find others who share it: nonprofits, book clubs, art groups, etc. • Be realistic: The holidays do not have to be perfect. Go with the flow. If traditions change because of growing or faraway families, accept it and be open to new rituals.
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• Plan: It’s a good time for lists and setting aside specific days and hours for shopping, baking, parties, visiting, etc. Stay focused. • Just say no: If you can’t make the party, say no. If you can’t go to lunch on Saturday with Aunt Sue, don’t. If your boss wants overtime, say yes, but let others know your time has just been limited.
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• Stay healthy: Don’t abandon healthy habits just because – it only adds to the stress. Indulge but don’t go overboard. Get ample sleep and continue those exercise routines: If it’s time you’re worried about, get up a half hour earlier and do something physical.
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• Take time for you: Exercise, as well as meditating, stargazing, listening to music or reading, can clear the mind and restore calm. • Seek help if necessary: If stress any time of the year leads to feelings of despair, sadness, anxiety or the inability to sleep or eat or face routine chores, get help. Seek out a doctor or mental health professional.
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With that, enjoy those holidays. After all, January is around the corner – uh oh, tax time. Save this issue of Snippetz and read again.
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• You may have heard of the turducken -- a chicken stuffed into a duck stuffed into a turkey -- but you probably didn’t know that a chef in the United Kingdom took the idea of nested fowl several steps further. Hugh Fearnley-Whittingstall stuffed a woodcock inside a pigeon, inside a partridge, inside a pheasant, inside a chicken, inside a guineafowl, inBy Samantha Weaver side a mallard, inside a duck, inside a goose, inside a turkey. No word on • It was American author, producer, how the 10-layer dish was carved screenwriter and director Michael for serving. Crichton who made the following sage observation: “Whenever you • If you’re not the sort of person hear the consensus of scientists who makes the bed every day, here’s agrees on something or other, reach some good news for you: Researchfor your wallet, because you’re be- ers in the United Kingdom have found that unmade beds are less ing had.â€? likely to harbor dust mites, a com• Statistics show that more babies mon cause of asthma and allergic are born in September than in any symptoms. other month of the year. • Talk about bad luck: In May of 2009, two thieves broke into a jewelry store in Milwaukee, bagged up their loot and tried to make their getaway. On the way out of the looted store, they were confronted by two more thieves, who took the ill-gotten gains. No one ended up profiting from the crime, however; all four were arrested.
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TAI YIPASSIVITY - Part 2
W
hen you think of passivity, of whom do you think? Perhaps you see your spouse, child, co-worker, friend, boss, or yourself? What does ‘being passive’ even mean? It means standing on the sidelines of life while those who are living walk past you. One might think, “I do a lot. I am not passive.” This begs the question, “what is A LOT”? Does ‘doing a lot’ mean running several errands during the day, taking care of children’s needs, being busy at work or around the house? Those situations would equate to being busy. How many people fill up their schedules with busy activities because they think they are supposed to? Being busy: keeping the yard up, cleaning the house, maintaining the automobiles, earning an income, going to children’s events, and so forth is being busy, and can still be passive. These activities are not WRONG by any means! So, what does passivity look like? Passivity means one is not willing to look inward, ask questions, find the source of difficulties, and take action. Passivity means simply surviving day to day, rather than living a full life. I have met many women who are not ‘women’ anymore; they are ‘mothers’ or ‘wives’ or ‘employees’. They have lost their identity in their quest to be a great mother, wife, or daughter. Losing one’s identity keeps one in passivity. I have seen the same in men. Another example of being passive is simply buying food at the store without asking from where it came. Where was the produce grown (if not already stated on a sign or tag)? Where does the store buy their ground beef? Does
the meat processor use ammonia in their beef as it becomes more common? Is the meat processing plant clean? Where are the chickens raised and is it sanitary? Given the recent Salmonella outbreak, what did Hillandale Farms, Sunny Farms, Sunny Meadow, Wholesome Farms and West Creek do with the chickens that were infected? Did they cut up the poultry and sell it as has been mentioned? Most people just buy their groceries and do not ask questions. Did you know there are five or six different names for MSG that are hidden in foods? MSG is a toxic ingredient, but many people do not check for it or its hidden names. Food is but one area of passivity.
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Other areas of concern are our water, air, and banking system. When a person simply survives life because ‘they have to’ according to his or her perception, it is easy to take advantage of that person’s ignorance. It is easy to pass laws without notice, pollute the food, air, and water without too much notice. It is easy to ‘move’ money and call it ‘lost’ money given our last economic collapse in the stock market. Ask questions, expect answers, push buttons-that is NOT being passive, but proactive.
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Tammy’s Tips TIPS AND TRICKS FOR A SUCCESSFUL INDOOR GARDEN
M
ost plants have simple needs. As guests go, they’re relatively undemanding. There are only four basic things you need to understand before you decide to invite a plant home: light, water temperature and air. If you can master these four elements, from a plant’s perspective, you can create an indoor garden just about anywhere in the world and during any season of the year. Light - Most plants need at least six hours of light a day. But it has to be good light. If you put your hand in front of the window and it doesn’t cast a shadow, chances are the light isn’t adequate for most plants to live a happy life. However, you can always supplement low light conditions with grow lights. If you have modest natural light in your home and don’t want to fuss with special lighting, stick to plants that normally need low-light conditions, or try moving your garden to a sunny windowsill. Water - Plants need conditions close to those in their native habitats. A plant that calls the desert home will need less frequent watering than a plant that lives in a bog. Knowing what water conditions a plant prefers is a good first step to keeping a successful indoor garden. It’s easier than you think because the plants themselves will often give you clues. Plants with thick rubbery leaves , are water hoarders and can typically survive with less water than plants with thin, delicate leaves. If you hate to water your plants, choose varieties that can thrive on less, or pick plantpots with hidden reservoirs to cut down on your watering chores. Temperature - Plants also need the right temperature to grow in. Your home is probably warm enough for many plants, but because some places in the world experience distinct seasons, including freezing winters, plants from these areas need the cold to tell them it’s time to do something,
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THERE WILL BE NO BLOOD By Nick Yanez
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s it the violence? Maybe it’s the appreciation of the heart and effort? Maybe it’s to find out who’s the best? For whatever reason, mankind has been captivated by competition. Whether it be the championship game of a major sports league, or a simple game of rock paper scissors with your best friend; we all have the desire to win. What’s more telling, however, is how we lose. Losing, and our response to it, defines who we are. Still, the best competitions are the ones with no loser.
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like hibernate for the winter. You can usually trick these plants into thinking it’s winter by putting them somewhere cold for a while, like inside your fridge. There are also some seeds that need warmer temperatures to trigger sprouting. A bump in the mercury tells them that spring is on the way, and it’s time to come out and join the party. Air - As a byproduct of photosynthesis, plants produce oxygen and filter nasty gasses, like formaldehyde, from your home environment via their leaves. To keep plants healthy, you need to keep their leaves clean and keep the air around them moving and moist. To do this, you can place them in a spot with good air flow or provide them with a small fan. This is particularly important if you maintain plants in a conservatory or terrarium. To keep that nicely circulating air moist and plantfriendly, elevate your plant pots on a dish filled with marbles or pebbles that you’ve filled with water just below the top. That way the plants will get humidity, but their roots won’t be sitting in water. Another great idea is to keep plants grouped together. They’ll create a mini-environment that’s a little more humid than other areas of your room. Other Indoor Garden Consideration Beyond these four essentials, plants need good soil, but you can usually find a convenient potting mix for most of your indoor plant needs. Some options include vegetable mix, cactus mix, African violet mix, orchid mix or general houseplant mix. When you buy a new plant, the soil it comes in is probably fine for the first few weeks. The Enchanted Florist carries a variety of indoor plants and can arrange any type of container garden to suit your need. If you are looking to bring the outdoors in, check out The Enchanted Florist weekly variety of in-door plants. For additional information: Tammy Crawford The Enchanted Florist 481 Hwy 105 Ste. I Monument Co 80132 (located behind Rosie’s Diner)
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prize fund. Sounds like some juicy competition. Not a fan of juice? How about food? The tournament also acts as a fundraiser to local favorite charity Tri-Lakes Cares. The organization is well known for helping the less fortunate of our community through hard times such as these. A portion of the proceeds will be donated to Tri-Lakes Cares, as well as a 50-50 raffle to benefit the group. Sounds like a wholesome, tasty cause. Violence is very unlikely, so hopefully, there will be no blood. There will surely be heart and effort. And for the ones who give it there all, use some natural ability, and leave it all on the lanes, there will be a winner. As for the losers? There will be none, for everyone who participates will have a good day; in this life, it’s best to grab as many of those as you can. To find out more about this stimulating tournament, contact Pinz at (719) 487-7469.
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et the experienced Denver & Colorado Springs personal injury attorneys of Buxton & Luther examine your case and explain your options. You do not have to face your injury or your financial worries alone. Allow the team of attorneys at Buxton & Luther to be on your side.
719-339-3525
AUTO ACCIDENTS
JUSTIN PALMER 481 Hwy 105 • Ste B - 188 Monument CO 80132
Car Crash Injuries Hit and Run Commercial Vehicles Motorcycle Wrecks Insurance Disputes
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PREMISES LIABILITY Slip and Fall Construction Defect Negligent Care
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MEDICAL MALPRACTICE Misdiagnosis Birth Trauma Inappropriate Treatment Negligent Procedure
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
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Stop in for details on winning a 7
615 Beacon Lite Rd
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QUALITY GOODS & SERVICES Double
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Black Forest Rd.
Walker Rd.
BOOK YOUR Hodgen Rd. HOLIDAY VACATIONS Convenient Location EARLY • Reasonable Rates • Catering to Special Diets • Large/Indoor Heated Runs & Other Needs • Elevated Dog Beds • Multi Pet Discounts for • Overnight/Long Term Pet Roommates
Celebrate the Holidays With Jewelry!
125 Second St. Monument
Double J
✪ Thompson Rd.
Hwy. 105 Hwy. 83
Owners on Site - 24 Hour Supervision
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Judi & Jeff Havens - Owners 6470 Walker Road • Colorado Springs
By Appointment: 495-1774
THE PLACE FOR GREAT BIRTHDAY GIFTS FREE Gift Wrapping
MONUMENTS ONLY TOY STORE!
Both stores conveniently located at 274 Washington Street, Historic Monument Mon - Sat 11AM - 5PM - 481•1361
Unique Handcrafted Dollhouses & Accessories
for the Discriminating “Mini-Home Owner”
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MOMENTS IN TIME THE HISTORY CHANNEL
• On Nov. 12, 1799, Andrew Ellicott Douglass, an early American astronomer born in Vermont, witnesses the Leonids meteor shower from a ship off the Florida Keys. Douglass’ journal entry is the first known record of a meteor shower in North America. • On Nov. 11, 1885, George Smith Patton, one of the great American generals of World War II, is born in San Gabriel, Calif. Patton was one of the most controversial of the U.S. commanders, known to make eccentric claims that he was a direct descendant of great military leaders of the past through reincarnation. • On Nov. 8, 1895, physicist Wilhelm Conrad Rontgen becomes the first person to observe X-rays. Rontgen’s discovery occurred accidentally in his Wurzburg, Germany, lab, where he was testing whether cathode rays could pass through glass. • On Nov. 10, 1932, Roy Scheider, the actor best known for his role as the police
chief of a beach community terrorized by a killer shark in the 1975 movie “Jaws,” is born in Orange, N.J. “Jaws,” directed by Steven Spielberg, became the first movie in history to gross more than $100 million. • On Nov. 14, 1941, “Suspicion,” a romantic thriller starring Cary Grant and directed by Alfred Hitchcock, makes its debut. The film marked the first time that Grant and Hitchcock worked together. The two would later collaborate on “Notorious,” “To Catch a Thief” and “North by Northwest.” • On Nov. 13, 1974, 28-year-old Karen Silkwood, a technician at a plutonium plant operated by the Kerr-McGee Corporation, is killed in a suspicious car accident near Crescent, Okla. She was on her way to a meeting with a reporter for The New York Times, reportedly with a folder full of documents that proved that Kerr-McGee was acting negligently when it came to worker safety at the plant. • On Nov. 9, 1989, East German officials open the Berlin Wall, allowing travel from East to West Berlin. The following day, celebrating Germans began to tear down the wall, reducing it to rubble that was quickly snatched up by souvenir hunters. (c) 2010 King Features Synd., Inc.
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COMMUNITY CALENDAR
COMMUNITY EVENTS
Alpaca Holiday Extravaganza 20 - 21 November 2010 Black Forest Community Club
$500 Bankruptcy
12530 Black Forest Rd., Black Forest, CO 80908
The South Eastern Colorado Alpaca Breeders will host the 5th annual Alpaca Holiday Extravaganza at the Black Forest Community Club on Saturday, 20 Nov (9-5) and Sunday, 21 Nov (10-4). This free, educational www.snippetzonline.com event will showcase the entire range of products made from alpaca fiber. Fleece, roving, batting and yarn will be available for hand-spinners and artisans/crafters as well 3rd Annual Holiday Extravanza as garments and apparel just in time for holiday shoppers. Friday, Nov 12, 4PM - 8PM Alpacas will be present so you can actually feel how soft & Saturday, Nov 13, 10AM - 3:30PM their fleece really is. Tri-Lakes Center for the Arts is located at 304 Hwy 105 in Palmer Lake, 80133. Banner Christmas Looking for a unique, one-of-a-kind gift for that someone Historic Downtown Monument is sponsoring the the third special this holiday season? Well…look no further. Triannual “Banner Christmas.” Banner Christmas features Lakes Center for the Arts invites you to their 3rd annual original Christmas art banners, handpainted by renowned Holiday Extravaganza on Friday, November 12 from 4p-8pm local artists. The banners are on display on lamposts in and on Saturday, November 13 from 10am to 3:30pm. the historic downtown of Monument. Unveiling is the Friday Featuring over 35 local artists, the Holiday Extravaganza after Thanksgiving and they remain on display throughout is THE place to look for one-of -a–kind gifts you won’t find the holiday season. If you are interested in painting a bananywhere else. Browse through beautiful photos, taken by ner for the 2010 season, please contact Vicki Mynhier at well-know photographers; works of art created by talented 719.460.4179 or email at vmynhier@townofmonument.net. local artists; or perhaps purchase a unique piece of jewelry, handmade by professional jewelers. Enjoy complimentary Small Town Christmas holiday cheer and goodies as you look through hundreds Saturday December 4th - 10:00am to 2:00pm of gift possibilities. The Holiday Extravaganza is free and Small Town Christmas is a day full of holiday activities inopen to the public; however, a $5 donation is suggested. cludes visit from Santa and Mrs. Claus along with crafts For more information, go to www.trilakesarts.org or call Triand activities for children, open houses and other special Lakes Center for the Arts at 719.481.0475. events as the merchants of Historic Downtown Monument
Lutefisk and Meatball Annual Scandinavian Dinner Saturday, November 13, 2010 -1:00 and 5:00 PM 1045 Ford Street---Viking Hall, Colorado Springs, CO 80919 Traditional menu---will include lutefisk, meatballs, vegetables, potatoes, lefse and dessert. Call for Reservations (limited seating)---Virginia @ 591-7083. Ticket Costs--- $20 for adults, $8 for ages 5-12. For sale in lobby---herring, lutefisk, lingonberries, baked goods, gift items. 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. Lewis Palmer District Ice Hockey Team 2nd Annual Breakaway Hockey Event Friday, November 19th Lewis Palmer District Ice Hockey team is hosting a charitable dinner banquet at the Sundance Mountain Lodge. The evening consists of a three-course Italian dinner, cash bar, live music and dancing, and a silent auction to benefit the team. The ice hockey team is not fully funded by the school district and must fundraise over $8,000 to pay for practice ice rental fees. The event was a sell-out last year. Tickets are still available by contacting Catherine Methot, 481-4920, or cmethot@yahoo.com. Peak Ranch’s Alpaca Boutique Autumn Open House Saturday, November 20th 10-4PM 19850 Beacon Lite Rd., Monument, CO Join us for holiday tea and browse.
When your financial obligations get too big... Morse & Associates, LLC is here to help.
celebrate a Small Town Christmas.
•Garnishments •Foreclosure •Harassment
Scandinavian Christmas Tea Party Saturday, Dec 4 - 2 PM - the Sons of Norway Lodge, Viking Hall - 1045 Ford Street, Colorado Springs Come join us for an afternoon of tea, homemade cookies, tea sandwiches and lefse. A unique program will be held, door prizes awarded - all this for only $12 per person. Mark your calendar for Saturday, December 4th, 2 p.m. Space is limited so call prior to December 1st and reserve your place. For more information call June Peterson, 719-599-3235. North Pole At Tri-Lakes 5th Annual Craft Show Saturday, Dec 4 - 10AM - 4PM & Sunday, Dec 5 - 11AM - 4PM Lewis Palmer Middle School, 1776 Woodmoor Drive, Monument, CO. Looking for a fun event in keeping with the holiday spirit and a perfect opportunity to pick up that unique handmade gift for a friend or relative? Look no further. Monument Hill Kiwanis Club is sponsoring the 5th Annual NORTH POLE at TRI-LAKES CRAFT SHOW on December 4 and 5, 2010 at Lewis Palmer Middle School, 1776 Woodmoor Drive, Monument, CO. Show hours are 10 AM – 4 PM Saturday and 11 AM to 4 PM on Sunday. Ample parking is available. Admission is a donation of nonperishable canned and dry goods to be donated to Tri-Lakes Cares. Santa has decided to take a short break from his busy holiday duties to visit between 11:30 AM – 1:30 PM both days. Monument Hill Kiwanis North Pole Chairman Bill Healy said “All proceeds from the fair are used to support the local community”.
» Free Consultation » Payment Plans Available (719) 302-3655 1-877-284-7529 121 S Tejon St, Ste 1107 www.MorseBankruptcy.com
Holiday Concert Dec. 17, 2010 - Location: The Pinery Musical selections performed by an ensemble from the Colorado Youth Symphony Orchestra. BONUS: Continued sale of the Tri-Lakes Women’s Club’s Classic Colorado Collection 2010 ornament. The artist will be present. 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.
We are a federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy
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APARTMENT for RENT
ď ˆď Ľď Ąď Źď Šď Žď §ď€ ď ”ď Żď ľď Łď ¨
FOR RENT - UPSTAIRS APARTMENT IN PALMER LAKE 1,150 sq. ft. Washer & Dryer Included. No pets or smoking. $850 +Utilities Call for application: (719) 481-2671
TOWNHOUSE for RENT
Therapeutic Massage
Ads must be submitted by E-mail or U.S. Mail E-mail: snippetz01@gmail.com or Funder Enlightening, Inc. PO Box 789 Monument, CO 80132 Visa / Mastercard / Check
SERVICES
HELP WANTED
T-Star Landscaping
FULL TIME DELIVERY DRIVER
“All Star Quality�
Landscaping, Lawn Maintenance and Seasonal Clean up Travis Prater, Owner (719) 359-6262 TRP0022@msn.com ACCOUNTANTS
YOUR COMMUNITY ACCOUNTANTS
The Walsh Company Inc. 430 Beacon Lite Rd. #155 Monuments - (719) 481-6555 WalshTaxCo@aol.com Individual and Business Tax Returns. Payroll, Bookkeeping & Financial Statement Accounting Services OPPORTUNITIES
NEED EXTRA MONEY FOR THE HOLIDAYS? Buy or sell Avon. $10 startup fee. Great for Holiday Gifts For more information call Judy at (719)322-4333
Must have clean driving record. Full Benefits, 401k Please call: (719) 481-2261
EXPERIENCED NAIL TECH WANTED Full or part time. Call Maria at Expectations Salon & Day Spa, in Historic Downtown Monument. (719) 488-9203
NOW HIRING!
Pinz Bowling Center for Cafe. Kitchen experience a plus. Inquire at 855 Hwy 105 Palmer Lake, CO (719) 487-7469
EXPERIENCED MASSAGE THERAPIST WANTED Full or part time. Call Maria at Expectations Salon & Day Spa, in Historic Downtown Monument. (719) 488-9203
PALMER LAKE TOWNHOUSE 2 br / 2 ba / 2 car garage New appliances, fireplace. Beautiful Views Borders National Forest $950/mo. (719) 481-3378
Robyn Graham, RMT
719-216-4421
212 N. Washington St., Suite A, Chapala Bldg, Monument
FOR RENT Newly renovated 3 BR/3 BA Monument Townhome with oversized 2 Car garage. Only $1095/mo. No pets, please. Call Kim @ (719) 330-3277
ď€¤ď€ąď€°ď€ ď ?ď Śď Śď€ ď Ąď€ ď€ąď€ ď ˆď Żď ľď ˛ď€ ď “ď ˇď Ľď ¤ď Šď łď ¨ď€ ď Żď ˛ ď „ď Ľď Ľď °ď€ ď ”ď Šď łď łď ľď Ľď€ ď ?ď Ąď łď łď Ąď §ď Ľď€Ą ď ’ď Ľď §ď ľď Źď Ąď ˛ď€ ď ?ď ˛ď Šď Łď Ľď€ ď€¤ď€śď€ľ
ROOM for RENT
off
FURNISHED ROOM
Healing Touch
FOR RENT All utilities and washer & dryer furnished. Month to month lease. Rent $400. No pets or smoking (or smoking pets!) 719-481-1361 or 719-488-0083
Therapeutic Massage Robyn Graham, LMT 212 N. Washington St. Suite A, Monument
719-216-4421
HORSE BOARDING
off One Per Customer -- Good Thru December 31, 2010
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
in vitamin D, according to a recent study. Being deficient in that vitamin compromised healing.
www.HealingTouch - MassageTherapy.com
Maybe if the patients had enough vitamin D to begin with, they wouldn’t have needed surgery in the first place. The D vitamin is essential for bone health and muscle function. It helps the body absorb calcium and can help ward off osteoporosis.
Sunlight is tricky, especially in the winter. According to a fact sheet by the National Institutes of Health, those of us living above the 42nd parallel (approximately above a straight line from Boston to Northern California) likely don’t get enough sunlight from November to February to produce synthesis. Additionally, we seniors can’t synthesize sun-induced vitamin D as well as we once could.
There are three ways we can get enough vitamin D: exposure to the sun, eating certain foods and taking supplements. Most foods don’t have a lot of the vitamin, but these do in varying amounts: fortified orange early half of patients who juice, many types of fish, eggs and go in for orthopedic surdairy products, and some cereals.
Supplements are tricky, too. The amount of vitamin D needed on a daily basis is apparently up for debate. Different sources quote different amounts needed for bone strength. Too much is as bad as too little. Best bet: Write down everything you eat for a week, including
VITAMIN D IS VITAL FOR BONE HEALTH
N
gery are seriously deficient
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If you’re scheduled for surgery, ask your doctor for a vitamin D test first to make sure your levels are in the right range. 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 email to columnreply@gmail.com. (c) 2010 King Features Synd., Inc.
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drinks, and take it to your doctor. Ask if you’re getting enough vitamin D in your diet alone, or if you need a supplement or a diet addition.
719.488.6729 707 County Line Rd. Palmer Lake, CO
Specializing in SUBARU Repairs
SNIPPETZ® HEALTH AND WELLNESS
Affiliated with Tri-Lakes Center for Family Development
Equine Facilitated Experiential Counseling A unique approach to dealing with trauma, depression, anxiety, anger, relationship issues & personal growth.
www.gypsywindranch.com www.boyercounseling.com
Bonnie B. Baswell, M.D. Eric L. Caplan, M.D. Kathy Warner, PA-C
719-210-0668 or
laurel@gypsywindranch.com
Specialized Adult and Pediatric
HEALTH TIPS Find the Folate Keep your blood pressure from climbing with a healthy helping of folate. Women who consumed ample amounts of folate every day had the lowest risk of hypertension in a recent study. Everyone should get about 700 micrograms daily to boost blood vessel health. Seek out folate-rich treats, such as asparagus spears, artichokes, and spinach, in your produce aisle. Fortified pasta, breads, and cereals also are a good source. A Fruit for Lung Health Breathe easier by munching on fruit for your lungs. Eating a couple of apples per week could reduce the risk of developing asthma and improve overall lung function, new research has revealed. Apples contain a variety of health-promoting phytochemicals, including quercetin, which may be the reason for the lung-boosting benefits.
Fruitful Weight Loss Reaching for the fruit bowl more often could help keep your weight from creeping higher. A recent study analyzing changes in dietary patterns over a period of time revealed that people who consumed more servings of fruit than they did 6 years prior were least likely to have gained weight among the groups studied. Keep apples, oranges, plums, and pears on hand as ready companions to your weight-maintenance efforts. A Must-Have Mineral Protect your esophagus with a steady stream of zinc in your diet. Chinese researchers recently discovered that higher levels of zinc in people’s tissues corresponded with a lower risk of esophageal cancer. Most Americans get adequate amounts of zinc in their diets, but if you shy away from zinc-rich foods, such as meats, nuts, legumes, and fortified cereals, ask your healthcare provider about a supplement.
Allergy and Asthma Care Now in Monument Enjoy the Beauty of Colorado Without the Sneeze or the Wheeze.
Individualized treatment for: Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma Including Allergy Injections At the Medical Center next to Safeway
719-592-1365 www.csallergy.com 550 Highway 105 Monument, CO 80132 Wednesday Afternoons
Mile High Holistics 626 Hwy 105 Palmer Lake, CO 80133 (719) 487-0901 Mon-Fri 10-7, Sat 10-5 Sunday by Appointment
Compassionate Care in a Relaxing Setting Discreet, Professional, & Knowledgeable ●15+ Top Shelf Strains ●4g 1/8ths ●$50 Cap ●Edibles ●Candy ●Clones ●Pipes NEW FRIDAY HAPPY HOUR! EVERY FRIDAY 4:20-5:20
FREE FOOD, FREE PRE-ROLL W/PURCHASE*, RAFFLES*! TALK WITH OTHER PATIENTS THE MMJ INDUSTRY NON-PATIENTS ARE WELCOME…. ASK QUESTIONS & LEARN ABOUT BECOMING LICENSED *Only CO MMR Licensed Patients May Purchase or Possess Medicine
PARKING & ENTRY IN BACK AVAILABLE
13
SNIPPETZ
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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!
75 Hwy 105 Palmer Lake 719-481-2222 www.lazingarapalmerlake.com
PLANNING A PRIVATE OR COMPANY CHRISTMAS PARTY? DON’T DELAY... MAKE YOUR RESERVATIONS NOW!!
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American Ale House
PICK ONE FIRST COURSE
Salmon Gabriella Served with butter lemon wine sauce, capers and artichoke hearts served over linguini Eggplant Parmigiana Breaded, fried then baked with marinara and mozzarella served over penne Gnocchi Bolognese Potato pasta dumplings tossed in a hearty beef bolognese Chicken Maria Sautéed chicken topped with prosciutto and mozzarella cheese in a lemon butter wine sauce over capellini Veal Parmigiana Veal breaded and fried, then baked with marinara and mozzarella served over penne Eggplant Caprese PICK TWO MAIN COURSES Breaded eggplant topped with roasted peppers, basil, Roma Tilapia Florentine tomatoes and fresh mozzarella served over capellini Served with butter lemon wine sauce, capers, and spinach over linguini Offer good for Dine-In Only on Monday, Wednesday & Chicken Salvador Thursday. Can not be used in combination Chicken simmered in a roasted garlic cream sauce with any other coupon or discounts with broccoli and mushrooms served over capellini Bruschetta Pomodoro Toasted Italian bread topped with mozzarella, red onion, Roma tomatoes and basil Mozzarella Caprese Roma tomatoes, roasted red peppers, Fresh mozzarella, Basil and red onion Caesar Salad for Two Crisp romaine, traditional dressing, garlic croutons and Romano cheese House Salad for Two Fresh spinach and romaine tossed in balsamic vinaigrette With Roma tomatoes, red onion and garlic croutons
@
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!
Weekday Special
$2.99 Breakfast! Great Value and Specail Changes Daily!
Mon thru Fri @ Both Locations!
OPEN 4:30PM - 9:00PM • CLOSED TUESDAY
Casual Dining - Family Atmosphere
Coffee Cup Café 251 Front Street, Monument 6 am - 3 pm 7 days a week! www.coffeecupmonument.com (719) 488-0663
AVAILABLE FOR PRIVATE PARTIES, WEDDING, REHEARSAL DINNERS AND OFFSITE CATERING
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(719) 481-3287
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Buy one Lunch or Dinner Entree
Get One Half Price! Valid anytime Mon.-Thurs. Please present coupon at time of order. One coupon per table only! Exp. 11/30/10 Snippetz
SNIPPETZ DINING GUIDE / LOCAL SCOOP ®
Country Sausage and Corn Bread Stuffing
I
t’s hard to resist this all-time favorite stuffing of pecans, sausage and storebought stuffing mix.
1 pound pork sausage meat 4 tablespoons butter or margarine 3 stalks celery, coarsely chopped 1 large (12 ounces) onion, coarsely chopped
1 red pepper, coarsely chopped 1 can (14 1/2 ounces) chicken broth 1/2 teaspoon coarsely ground black pepper 3/4 cup water 1 package (14 to 16 ounces) corn bread stuffing mix 1 1/2 cups (6 ounces) pecans, toasted and coarsely chopped 1/4 cup chopped fresh parsley 1. Heat 12-inch skillet over medium-high heat until very hot. Add sausage meat and
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
BREAKFAST
Sunday 8:30am - 10:30am
DINNER
LUNCH
Tues - Sun Thur - Sun 11:00am - 3:30pm
THURSDAY NIGHT - 6:30PM
TEXAS HOLD’EM
HAPPY HOUR 3PM - 6PM • 7 DAYS A WEEK WELL, DRAW & BOTTLED BEER
1/2 PRICE!
cook, breaking up sausage with side of spoon, until browned, about 10 minutes. With tongs, transfer sausage to large bowl. 2. Discard all but 2 tablespoons sausage drippings. Add butter, celery, onion and red pepper to skillet; cook, stirring occasionally, until vegetables are golden brown and tender. Stir in broth, black pepper and water; heat to boiling, stirring until browned bits are loosened from bottom of skillet. 3. Add vegetable mixture, stuffing mix, pecans and parsley to sausage; stir to combine well. Use to stuff 12- to 16-pound turkey. Or heat in baking dish and serve alongside poultry or ham: Spoon stuffing into greased 13-inch by 9-inch baking dish; cover with foil and bake in preheated 325 degrees F oven until heated through, about 45 minutes. Makes about 12 cups stuffing. • Each 1/2 cup serving: About 174 calories, 11g total fat (3g saturated), 204mg cholesterol, 407mg sodium, 15g total carbohydrate, 4g protein. For thousands of tripletested recipes, visit www. goodhousekeeping.com/ recipefinder/. (c) 2010 Hearst Communications, Inc. All rights reserved
3:30pm - 8:00pm
Not valid with any other offer Tax, tip and alcohol not included Good thru November 15, 2010
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
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
Rock House Ice Cream
488-6917
www.rockhouseicecream.com
HOW TO MAKE THE PERFECT GRAVY
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When your turkey is done, you have two kinds of liquids in the pan: an oily liquid (the melted fat) and a watery liquid (the meat and vegetable juices). You want to incorporate both of these liquids into your gravy. The trick is to get them to mix into a smooth, homogeneous mixture -- no lumps, no puddles of grease. Flour contains certain proteins that form a
sticky substance -- gluten -- when they get wet. If you just dump some flour into the pan, these proteins will get together with the water to form a glutinous goop that the oil can’t penetrate. You’ll then wind up with little lumps of dough swimming in pools of grease. Make sure to mix the flour first with some of the fat, which you have previously separated from the watery juices. That way, the individual, microscopic particles of flour become coated with oil, which the watery juices can’t penetrate to gum things up. Result? Later, when you add the juices, supplemented as necessary with broth or other watery liquids, these individual, oil-coated flour particles become widely scattered. And that’s just what you want, because the thickening agent and the fat it carries are uniformly dispersed throughout the watery juices, giving you a smooth, uniformly thickened consistency. You must keep the amounts of flour and fat just about equal. Use one part flour and one part fat to every eight parts of liquid juices and/or stock. Mix the flour with the fat, cook it a bit to brown it, slowly stir in the watery liquids, and simmer to let the flour do its thickening job. Gravy too thin? Simmer it until reduced; or thicken with a little arrowroot or cornstarch that’s been dissolved in cold water, then whisked into the boiling sauce. Too thick? Thin with water or stock. Lumpy? Put it through a fine strainer. No taste? Use salt and pepper, soy sauce, more pan drippings, chicken stock, or port, Madeira or bourbon. Looks muddy, not glossy? Add cold stock or water, simmer, then skim often. Unthickened gravy or just didn’t emulsify? Skim off almost all the fat, then add more stock, boil hard to emulsify. If the fat is still separating, take it off the heat and whisk in 1 tablespoon heavy cream or cold butter for every 1 cup gravy. (c) 2010 King Features Synd., Inc.
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SNIPPETZ PUZZLES AND TRIVIA ®
Trivia Test
By Marge Svenson
Sports Quiz
By Chris Richcreek
1. MOVIES: In what Disney movie was Earth referred to as “Section 17, Area 51”? 2. MUSIC: What does the musical direction “subito” mean? 3. ACRONYMS: What does B.P.O.E. stand for? 4. SCIENCE: What term describes a plant’s involuntary tendency to grow toward light? 5. TELEVISION: What popular 1970s TV show featured a news writer named Murray Slaughter? 6. COMMUNICATION: What is the code word for the letter “V” in international radio alphabet? 7. COMICS: Who was The Green Hornet’s sidekick? 8. U.S. STATES: Which of the United States has the nickname “Old Dominion State”? 9. RELIGION: Who was the founder of the Methodist Church? 10. HUMAN ANATOMY: What is a more common name for the nares?
1. In 2008, J.J. Hardy became the third shortstop in Milwaukee Brewers history to hit 20-plus home runs in a season twice. Name the other two.
(c) 2010 King Features Synd., Inc.
(c) 2010 King Features Synd., Inc.
2. In 1933, Philadelphia’s Chuck Klein won the Triple Crown in the National League, but did not win the league’s MVP Award. Who did win it? 3. From 2000 through 2009, how many times did a quarterback win the Heisman Trophy? 4. Name the two Chicago Bulls before Derrick Rose in 2009 to win the NBA Rookie of the Year Award. 5. Who was the last Vancouver Canuck before Henrik Sedin in 2009-10 to lead the NHL in scoring for a season? 6. When was the last time before 2010 that Chile’s men’s soccer team won a World Cup game? 7. How many Tour de France bicycle races in a row did Spain’s Miguel Indurain win?
1. Name the event (and the date) where all of these played: Badfinger, Ravi Shankar and Leon Russell. 2. What was the single of the year for 1982? Who performed it? 3. What song was the first R&B No. 1 hit for fledgling record label Motown? 4. Which now famous rocker once jumped over the wall at Graceland hoping to see Elvis Presley? 5. What is The Joshua Tree (other than a desert plant)? 6. Who were Tom and Jerry? (c) 2010 King Features Synd., Inc.
In order to keep everyone honest (you know who you are,) we have moved the answers and solutions to the trivia and puzzles to the next page (17).
New DVD Releases for Week of November 8, 2010 PICKS OF THE WEEK “Scott Pilgrim vs. the World” (PG-13) -- “Scott Pilgrim” is not only the most stylistic and visually engaging films of the year, it also is one of the most enjoyable. Michael Cera stars as the titular Pilgrim, a Canadian slacker who plays bass in an indie band and finds himself in the awkward and life-threatening situation of falling in love with the uber-hip and out-of-hisleague Ramona (Mary Elizabeth Winstead). But before he can date her, he must defeat her seven deadly exes.
Sure, it’s a goofy and ridiculous premise, but in this fantasy comic book/video game-based universe where Pilgrim and his friends reside, it makes perfect sense, because here everything and everyone exist in a place where physical laws are all based on videogames. Punch a dude hard enough and he’ll fly back 300 yards. Defeat an opponent, and he poofs out of existence, leaving nothing but a shower of golden coins, a la Mario. Of the hundreds of films based on comic books, “Scott Pilgrim” is the first movie to perfectly replicate the comic book experience and aesthetic. Check it out. This film’s charm and whimsy shouldn’t be missed. “Sherlock: Season One” (NR) -- “Doctor Who” producer Steven Moffat has managed to do what most people thought impossible: Bring to the small screen a modern-day Sherlock Holmes series that is not only exciting and entertaining, but also manages to make the detective relevant in a world of cell phones, internet and CSI units. Benedict Cumberbatch (“Atonement”) stars as
Holmes, and he delivers a performance that rivals even the great Jeremy Brett’s -- a feat I didn’t think possible. Martin Freeman (“The Office”) co-stars as Dr. Watson, and the chemistry between the two men is what makes the program a delight to watch. The DVD release includes all three 90-minute specials, the original un-aired pilot (which is, in my opinion, superior to the first episode), commentary track on the finale and a featurette on the casting of the show. “Ladies and Gentlemen: The Rolling Stones” Deluxe Edition 3 DVD Numbered Box Set (NR) -- Filmed over the course of four nights in 1972, “Ladies & Gentlemen” is considered by most to be the greatest Rolling Stones concert ever. This lavish boxed set includes the fully restored and remastered concert film, a second disc featuring the “Stones in Exile” documentary, and a third disc packed with special features including television interviews and footage from the Australian leg of the tour. Also included in the individually numbered boxed set is a scarf, a movie poster, two 35mm film cells and a 60page book.
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TV SERIES “Doctor Who” The Complete Fifth Series “Golden Girls” 25th Anniversary Complete Collection “Lie to Me” Season Two “Californication” The Third Season “The Super Hero Squad Show: Quest For The Infinity Sword” Vol. 2 “Superman/Shazam” The Return of Black Adam “Hell’s Kitchen” Season 4 Raw and Uncensored “Men of a Certain Age” The Complete First Season “Scooby-Doo, Where Are You!” The Complete Series “Whale Wars” Season 3 “Metalocalypse” Season 3 “Bill Moyers: Genesis -- A Living Conversation” (c) 2010 King Features Synd., Inc.
SNIPPETZ COMICS AND ENTERTAINMENT ®
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Playing In November Saturdays 9PM-1AM 11/6 Reckless 11/13 No Crisis 11/20 Play It Forward 11/27 Mike Louis 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
TRIVIA TEST ANSWERS
(719)487-PINZ (7469)
LIBRA (September 23 to October 22) While you’re to be admired for how you handled recent workplace problems, be careful not to react the same way to a new situation until all the facts are in.
1. “Lilo and Stitch” 2. Suddenly 3. Benevolent and Protective Order of Elks 4. Tropism 5. “The Mary Tyler Moore Show” 6. Victor 7. Kato 8. Virginia 9. The Rev. John Wesley 10. Nostrils
NOVEMBER 8, 2010 ARIES (March 21 to April 19) Your honesty continues to impress everyone who needs reassurance about a project. But be careful you don’t lose patience with those who are still not ready to act.
SPORTS QUIZ ANSWERS 1. Robin Yount (1980, ‘82) and Jose Hernandez (2001, ‘02). 2. Pitcher Carl Hubbell of the New York Giants. 3. Eight times. 4. Michael Jordan (1985) and Elton Brand (2000). 5. No Vancouver Canuck led the NHL in scoring for a season before Sedin. 6. It was 1962. 7. Five, 1991-95.
FLASH BACK ANSWERS 1. The Concert for Bangladesh, on Aug. 1, 1971, at Madison Square Garden in New York City. The concert raised $243 million. 2. “Eye of the Tiger” by Survivor. The song was used in the film “Rocky III.” The group won a Grammy for their performance. 3. “Shop Around” by the Miracles, along with Smokey Robinson, in 1960. 4. None other than The Boss, Bruce Springsteen, in April 1976. 5. The name of the fifth studio album by U2. It won two Grammy Awards (Album of the Year and Best Rock Performance) in 1988. 6. The first duo name used by Art Garfunkel and Paul Simon in 1957. Their big success came in 1966 when the “Sounds of Silence” was released and then used in the film “The Graduate.”
TAURUS (April 20 to May 20) Pushing others too hard to do things your way could cause resentment and raise more doubts. Instead, take more time to explain why your methods will work. GEMINI (May 21 to June 20) Be more considerate of those close to you before making a decision that could have a serious effect on their lives. Explain your intentions and ask for their advice. CANCER (June 21 to July 22) You might have to defend a workplace decision you plan to make. Colleagues might back you up on this, but it’s the facts that will ultimately win the day for you. Good luck. LEO (July 23 to August 22) The Big Cat’s co-workers might not be doing enough to help get that project finished. Your roars might stir things up, but gentle purrr-suasion will prove to be more effective. VIRGO (August 23 to September 22) Someone you care for needs help with a problem. Give it lovingly and without judging the situation. Whatever you feel you should know will be revealed later.
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SCORPIO (October 23 to November 21) Rely on your keen instincts as well as the facts at hand when dealing with a troubling situation. Be patient. Take things one step at a time as you work through it. SAGITTARIUS (November 22 to December 21) Your curiosity leads you to ask questions. However, the answers might not be what you hoped to hear. Don’t reject them without checking them out. CAPRICORN (December 22 to January 19) Be careful not to tackle a problem without sufficient facts. Even sure-footed Goats need to know where they’ll land before leaping off a mountain path. AQUARIUS (January 20 to February 18) Appearances can be deceiving. You need to do more investigating before investing your time, let alone your money, in something that might have some hidden flaws. PISCES (February 19 to March 20) Your recent stand on an issue could make you the focus of more attention than you would like. But you’ll regain your privacy, as well as more time with loved ones, by week’s end. BORN THIS WEEK: You’re a good friend and a trusted confidante. You would be a wonderful teacher and a respected member of the clergy. (c) 2010 King Features Synd., Inc.
SNIPPETZÂŽ BUSINESS, FINANCE & LAW MKD-3964A-A-FL MAY 2009
TAKE CONTROL OF YOUR FINANCIAL FUTURE: A FINANCIAL SEMINAR FOR WOMEN You’re Invited ... In today’s world, a strong financial strategy is important for women of all ages. Your potential for success is limitless — especially when you have a financial strategy that fits your lifestyle.
Now is the time to take charge of your financial future. Seating is limited. Call today to reserve space for yourself and guests.
Join us and bring your sister, mother, daughter or friends to our free seminar A Woman’s Guide to Money Matters to learn more about: � What you can do now to prepare for retirement � Your options to pay for a child’s or grandchild’s education � Developing a strategy to help achieve your financial goals
Date: Thursday, November 11, 2010 Time: 12:00 Noon Location: FUSION - 15910 Jackson Creek Pkwy - Monument RSVP: Kathy Williams at 481-4964
Adam R Grayson, AAMSÂŽ Financial Advisor .
755 Hwy 105 Suite M-4 Palmer Lake, CO 80133 719-481-4964
Lunch will be served. 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.
FINANCIAL FOCUS USE “OPEN ENROLLMENT� TO HELP MEET FINANCIAL GOALS Provided by Adam Grayson of EdwardJones Investments
N
ovember is a popular month for “open enrollmentâ€? — that time when you can choose from the options offered in your employer’s benefits package. By making the right moves in some key areas — such as your 401(k) and life insurance — you can help protect your family and boost your progress toward your long-term financial goals. Let’s consider your 401(k) ďŹ rst. If you haven’t taken part in your 401(k) plan, you need to review the benefits of this excellent retirement-savings vehicle. First, you contribute pre-tax dollars to your 401(k), so the more you put in, the lower your adjusted gross income — and the lower your annual tax bill. Also, your 401(k) earnings accumulate on a tax-deferred basis. Furthermore, your employer may offer a matching contribution, and if you’re not participating in your plan or not putting in enough to earn the match, you’re essentially leaving money “on the table.â€? So, if you’re not already investing in your 401(k), now is the time to get started. And if you’ve already been putting money in your 401(k), you may want to use the open enrollment period to increase your contributions or to rebalance your investment choices in response to changes in investment performance or in your goals or risk tolerance. Of course, depending on your plan, you may also be able to make changes in your 401(k) at other times in the year. During open enrollment, you’ll also want to look at your insurance choices. Your employer may offer a certain amount of life insurance, and possibly disability insurance, at no cost. Clearly, this coverage can be beneficial —
To enter: • Just write a short essay on “How will energy storage affect the future of renewable energy?â€? • Your parents or guardians must receive electric service from MVEA. • You must be at least 16 years of age by January 1, 2011. Entry forms are available on MVEA‛s web site at www.mvea. coop. For more information call MVEA‛s ofďŹ ce at 719-7752861, 719-495-2283 or 1-800-388-9881
but is it enough to meet your family’s needs? To answer this question, you’ll need to review at least three key areas of your family’s finances: Debts — Try to calculate your overall debt load — mortgage, car payments, credit cards and so on. Education — If you are planning on helping your children pay for college, try to estimate these costs. Keep in mind the considerable differences in expenses between colleges: public versus private and in-state versus outof-state. Keep in mind that college costs have been rising faster than the overall cost of living. Income replacement — Try to determine about how much of your income would need to be replaced for your family to maintain its current lifestyle. Once you’ve made these types of calculations, you’ll be in a better position to know if the life and disability coverage offered by your employer is sufficient to meet your needs. You might be able to purchase additional insurance through your employer, but even this coverage may not be enough. That’s why you may want to work with a professional financial advisor — someone who can help you identify any gaps that may exist in your coverage and recommend any additional coverage to fill this void. You may also find other advantages to individually owned insurance, such as portability — you can take your policy with you, no matter where you work — and affordability — you may find that some policies, particularly term life insurance, may be less costly than the supplemental insurance you could purchase from your employer. So, review both your insurance situation and your 401(k) plan during the open enrollment calendar. It’s a great time to make those choices that can help you during all the seasons of your life. 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, FINANCE & LAW
Lisa Welch Stevens Attorney at Law, P.C.
THE LAW ACCORDING TO STEVENS by Lisa Welch Stevens, Attorney at Law P.C.
THE COLD, DEAD HAND FROM THE GRAVE: NOT A GOOD THING © November, 2010, Lisa Welch Stevens, Esq.
W
hile the expression “the cold dead hand from the grave” is not uncommon, it has a different connotation for attorneys than it may have for non-attorneys. In the estate and probate context, it refers to a person who has died (the decedent) and who, through his will, a trust agreement, or other instrument, is seeking to extend his “cold dead hand from the grave” to continue to control events after his death. This may be with respect to how his money is spent, his personal property is used or disposed of, or to whom and when, where and how his money and property is distributed. On first thought, one might think, “Well, what’s wrong with that? It’s my money or property – I should get to control what happens.” But things are not that clear-cut. First of all, the law has an abhorrence for the “cold, dead hand from the grave” reaching out to control those still living, and does limit it to a certain extent. Second, and more importantly, that control in the after-life may not be a good thing in many cases. With respect to the law, the primary limit traditionally placed upon that “hand” was the law against perpetuities. This “law” is so complicated, law school students suffer severe brand damage understanding it and all its permutations. But, very basically, the “law” is as follows: nothing can last forever. That is, if a trust is created, for example, it cannot continue in existence for longer than the lifetime of a “life in being” plus 21 years. The “law” is far more complicated than this, but this conveys the basic gist. For example, if one sets up a family trust, and the youngest beneficiary class that has a member who is alive at the time the trust is created is, for example, a grandchild, then the trust cannot last longer than the lifetime
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lisa@lwslawfirm.com • www.lwslawfirm.com of the last of any grandchildren to die, plus 21 years. (This does include subsequently born members of the class). The law against perpetuities is a very old common law rule, formulated hundreds of years ago in England; in Colorado, it was embodied in a statute as well. However, with respect to wills, trusts, and other instruments executed beginning in 2001, the statutory rule was amended from the “life in being plus 21 years” (and other statutory permutations) to the much simpler to calculate “one thousand years”. (If only they had made the change before I attended law school and passed the bar, I would have been saved much brain damage.) It is important to remember, however, that this state law has no effect on federal estate and gift tax restrictions on trusts, etc. Further, charitable trusts traditionally are not subject to the law against perpetuities – good deeds can go on forever and ever. Even without the “law against perpetuities”, I do not recommend creating a heavy-handed “cold dead hand from the grave” in a will or trust. This is because a decedent cannot possibly envisage how actual facts and circumstances may play out after his death. It is very important to draft a will or trust so that the personal representative or the trustee, respectively, has the flexibility to make changes where necessary and advisable. For example, if your devisee or beneficiary becomes disabled prior to
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DIVORCE / FAMILY LAW
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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 taking under the will or trust, you would want the personal representative or trustee to be able to transfer the devise or distribution to a special needs trust for that person. Or, if the charity to which you wish to make a bequest has gone out of existence by the time you die, you might want the personal representative to be able to make a transfer to a like-minded institution, rather than have the gift lapse. Finally, there are certain things the law will not permit the “cold, dead hand from the grave” to control. You cannot, for example, prohibit a devise, gift or distribution to someone because they are married to a particular class of person. You cannot require your money or property to be spent for purposes that are unlawful, or contrary to public policy. There are other examples. This article is only a very brief overview of a very complex subject, and is intended for general informational purposes only. Please consult your legal advisor regarding your particular facts or circumstances. 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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