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SNIPPETZ SAILS TO THE THRESHOLD FOR IMMIGRATION: ELLIS ISLAND ISSUE 476 • DECEMBER 13, 2010

by Deborah Stumpf “Remember, remember always that all of us, and you and I especially, are descended from immigrants and revolutionists.”

- Franklin D. Roosevelt

O

ne day after it opened Jan. 2, 1892, a 15year-old Irish girl, Annie Moore, became the first immigrant processed at Ellis Island. From 1892 to 1954, more than 12 million immigrants entered the U.S. through Ellis Island, a small island in the New York Harbor with the Statue of Liberty towering above. The historical entry way to the U.S. went from its original 3.3 acres to 27.5 acres over the course of its time.

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When the island was just a spot of sand, barely visible during high tide, Native American tribes called it the Kioshk or Gull Island. When the Dutch and English arrived and discovered an abundance of oyster beds on the island, they named the area Oyster Island.

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Ellis Island... Continued on Page 2

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THIS WEEK IN SNIPPETZ SNIPPETZ SAILS TO THE THRESHOLD FOR IMMIGRATION: ELLIS ISLAND

FEATURE ARTICLES Strange But True... 4 Tai Yi - “Being Thankful - part 2”... 5 Nick’s Sports Snippetz... 6 Moments In Time... 8 “Holidays Are No Time To Hibernate” Senior News Line... 12

REAL ESTATE “15 Ways to Add Curb Appeal Part 1 of 3” Robyn’s Real Estate Rap... 7

COMMUNITY CALENDAR 9 SANTA’S SAVERS HOLIDAY SECTION The Question of Santa Claus... 11

CLASSIFIED PAGE 12 GREAT BARGAINS Find Your Treasure!

Business / Employment Opportunities

HEALTH “Coumadin Is Effective but Bothersome Drug” To Your Good Health... 13

THE DINING GUIDE “Fruitcake Gets the Respect if Deserves” The Kitchen Diva... 15

PUZZLES, TRIVIA, ENTERTAINMENT 16-17 Trivia Test • Sports Quiz • Flash Back Super Crossword • Weekly Sudoku Couch Theater DVD Previews Huey’s Page (Comics) Salome’s Stars (Weekly Horoscope)

BUSINESS, FINANCE & LAW “Consider Establishing a Business Retirement Plan” - Financial Focus ... 18 “Business Plans: Recipe for Business Success” The Law According to Stevens... 19 “Getting A Handle on Holiday Debt” Dollars and Sense... 19

NEXT WEEK IN SNIPPETZ SNIPPETZ APPRECIATES CHRISTMAS LITERATURE

ALL RIGHTS RESERVED © 2010 PUBLISHED BY FUNDER ENLIGHTENING, INC. George Wilkins - Publisher PO Box 789 Monument, CO, 80132

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stead, those passengers were inspected on board the ship. The argument for the practice was that a person who could afford a first or second class ticket would be less likely to become a burden on the states.

The affluent, of course, would not frequent institutions or hospitals or become a challenge to the legal system. The wealthy were welcomed with open arms.

Ellis Island...

Continued from Page 1 Before Samuel Ellis bought the island in the 1770s, the island had been called by many different names. After Ellis died, it served multiple purposes. The island had been a site for hanging pirates, a harbor fort and an ammunition and ordinance depot known as Fort Gibson.

But – if they were ill or had legal problems, they, too, were subjected to further inspection at Ellis Island.

The latter was established when British fleets found easy access to the New York Harbor, which they occupied during the Revolutionary War. In 1808, U.S. government officials had determined a need to defend coastal areas so they negotiated with the state of New York to purchase Ellis Island, where they set up a fort named after an officer by the name of Gibson, who was killed during the War of 1812.

The “lower class” immigrants were the third class passengers. Referred to as “steerage,” third class passengers traveled in crowded and sometimes unsanitary conditions close to the bottom of the steamships. They weren’t privy to above-board accommodations, and many spent the journey seasick in their bunks.

EARLY MIGRATION

When the boats arrived in New York City, the first and second class passengers passed through Customs at the docks and handily entered the U.S. Third class passengers were transported by ferry or barge to Ellis Island for medical and legal inspections.

Prior to 1890, the states regulated immigration as opposed to the federal government.

A former New York fort – Castle Garden – had been serving as a major port of entry in New York for immigrants. But immigrants began arriving in droves during the latter half of the 19th century, sparking the largest mass of human migration in history.

Castle Garden was not prepared to handle the growing number of people seeking freedom from Europe’s restrictive religious laws, poor economic conditions and political unrest. New York was simply unable to handle the hordes of immigrants.

The Ellis Island inspection process lasted from three to five hours, if the new immigrant was fairly healthy and their papers were in order.

Not everyone gained entry. Ellis Island had occasionally been referenced as the “Island of Tears” for those who had been turned away. Two percent of the immigrants were excluded from entering the U.S. mainly because they had a contagious disease or were likely to become a burden on society or an illegal contract laborer.

The federal government put on its Superman hat and to save the state of New York, built a new immigration station on Ellis Island. Under the auspices of President Benjamin Harris, the first federally operated immigration station had been established.

THE BEGINNING OF THE END In 1907, more people had migrated to the U.S. than at any other time. About 1.25 million immigrants were processed at Ellis Island that year. Between 1900 and 1915, the building industry boomed, trying to keep up with the influx of people.

When the U.S. became involved in World War 1, immigration to the U.S. significantly decreased. Instead, Ellis Island became a sort of prison for suspected enemies who had been living throughout the U.S. Between 1918 and 1919, the suspects or detainees were transferred to other U.S. locations so the U.S. Navy and the Army’s medical division could inspect immigrants on board the ships or docks. In 1920, Ellis Island returned to full operations as an immigrant receiving station, processing 225,206 immigrants that year.

From 1880 to 1924, migration to America was at its height. As the numbers soared, politicians and some of their constituents began demanding immigrant restrictions. If some think modern U.S. immigration laws are discriminating, the laws established in the 19th and 20th centuries were blatantly prejudice. The Chinese Exclusion Act, the Alien Contract Labor Law and a literacy test were instituted during that time. The passage of the Quota Law and the Na-

Ellis Island...

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Five years later, June 14, 1897, a fire broke out on Ellis Island and burned the immigration station – made of Georgia pine – to the ground. No lives were lost, but immigration records dating back to 1855 were.

The feds reconstructed the immigration station under the condition that all structures would be fireproof.

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It seems like the distinction between the wealthy and not so wealthy has deep roots.

When they took over the ship, so to speak, the federal government adopted a policy that immigrants with first or second class passenger status did not have to go through the inspection process at Ellis Island. In-

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Continued from Page 2 tional Origins Act were percentage-based attempts to favor immigrants from certain areas of Europe and exclude all nonEuropean immigrants. It was believed that immigrants from northern and western Europe, where many of the early settlers migrated from, were superior to immigrants from southern and eastern Europe.

After World War I ended in 1918, U.S. embassies were established all over the world.

Potential immigrants to the U.S. applied in their home countries at American consulates, and medical inspections took place there as well. Ellis Island became a hub for war refugees and displaced persons. The island remained open through November 1954 as a holding place for enemy merchant seamen and eventually a training site for the U.S. Coast Guard.

LAST, BUT NOT LEAST In 1954, Arne Peterssen, a Norwegian merchant seaman, was the last person to pass through Ellis Island.

In 1965, President Lyndon Johnson designated Ellis Island as part of the Statue of Liberty National Monument. In 1984, Ellis Island went through a colossal restoration – $160 million worth, funded by donations.

The Ellis Island Immigration Museum offers a variety of activities, from video documentaries to free tours to reenactments of immigrant hearings.

Almost two million people visit the island every year.

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• To add to the acreage at Ellis Island in its early years, landfill from New York City subway tunnels and other areas was used to create two new islands, which housed hospital administration, a hospital contagious disease ward and a psychiatric ward.

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• Some of the steamship companies that played a huge role in the history of Ellis Island immigrants were the White Star, Red Star, Cunard and Hamburg-America.

• Recruiters offered contract labor agreements to potential immigrants and U.S. Railroad companies advertised inexpensive farm land. Hungarians, the Polish and Italians were among the immigrants who went to coal mines or steel mills. The Greek people preferred textile mills.

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• In 1907, the S.S. Baltic arrived at Ellis Island with 1,000 single female passengers looking for a husband. Many of the women immediately chose a husband and were married on the island.

• By 1910, about 70 percent of the Ellis Island immigrants were Europeans, but many came from Arab lands ruled by the Ottoman Empire. With the passage of the National Origins Act, Arab immigration ended in 1924 and resurged when the act was repealed in 1965.

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• By 1932, during the Great Depression, more immigrants left the country than arrived.

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• About one-half of today’s U.S. population has at least one ancestor who came through Ellis Island.

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• A study published in 2008 showed that the price of a pain medication had an effect on its efficacy. In the study people were given placebo pills, some at the regular price and some at a discounted price. Those who paid full price for the medicaBy Samantha Weaver tion reported more relief than those • It was 20th-century British author who paid less. and Anglican priest William Ralph Inge who made the following sage • Half of all cookies baked in the observation: “Events in the past may United States are of the chocolatebe roughly divided into those which chip variety. probably never happened and those • If you’re planning to be in the San which do not matter.”

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TAI YIBEING THANKFUL Part 2 of 2

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ur society is built on people buying products and while there is nothing wrong with buying products, it has reached a level to where different companies use subtle messages to program consumers to buy their product. Many of the messages subtly make the statement “if you buy this product/service you will seem sexier, livelier, richer, better [to others].” If one knows that he or she is being lured with programming commercials and advertisements, then why would one still buy the product or service? The answer is simple: seeking approval, permission, and not acknowledging what one already has accomplished in life.

Comparing self to others is a sure way to keep that false belief that one needs approval in order to live a full life. When one compares self to others, he or she continues the thought pattern of inadequacy. “I need to earn a certain income to be fulfilled.”

A person may silently say, “I need particular social status and material items to be approved within my family/social/professional unit.” These thought patterns continue a cycle of disempowerment, even to a point where it is no longer recognized.

Rather than looking at what one thinks he or she needs, one can look at what one has accomplished in life already.

Perhaps one has accomplished a loving relationship, an understanding of a life issue, a particular career, a

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knowingness, or an ability. Perhaps one has successfully set a relationship or professional boundary or has created a goal in life. It is important for the person to recognize what has been created in order to own it. When it is owned, no one and nothing can take it away.

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In addition, one needs to own his or her pain that leads to a continuation of disempowerment in order to own the healing process. When it is not owned, it cannot be healed. Only the person who is in pain can heal it and as long as someone else ‘owns’ it, it cannot be healed. When blame or comparison of others is present, someone else owns the pain. When one consistently looks for reasons as to why something failed, was not owned, was not created, or why one is not good enough already, he or she can look at emotions of failure.

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A Tai Yi treatment called Emotions of Failure can assist. ‘Emotions of failure’ is a pattern because the person has formed an addiction to failure or the results of failure. ‘Life is a struggle’ keeps one in a high beta brain wave. The person always justifies failure and blame. This treatment assists ones to become aware of emotions of failure and who continue to fail at whatever that one is attempting to do or pretend to heal. This will bring into awareness the origin of a pattern and that one can experience a release.

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Sports Snippetz by Nick Yanez

T

here you are in the woods. You’ve been hiking for hours, traveled several miles, and the sun is falling down, unable to further guide you through the tangle of trees and brush. You need water, but you hear not the trickle of a stream.

As the day turns to dusk, you exceed denial, accepting the unfortunate fact that you are lost. Then, just at the very edge of the horizon, over the hill and past the valley, you see civilization. Adrenaline kicks in, and you’re running. No longer are you weary, no longer does the thirst consume your being. You arrive in a strange place, a village carved within the wilderness. It’s a place you don’t recognize; there are new faces, new names, and new concepts. There is so much to learn…

AMIDST NEW FACES Fall sports have come to an end. For the Lewis-Palmer and Palmer Ridge, it comes bitter-sweet. Fall teams made improvements from last year, remaining in contention well into the post-season. It’s good to see this happen. However, winter and spring sports linger, and that’s where both schools hope to grab a few State Titles.

There are some new names to learn, as new star payers and power-house teams will surely rise.

Basketball season is in full swing, and Lewis-Palmer hopes to improve upon a dominating 21-6 record from last year. The team lost 64-52 to eventual State Cham-

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pion Sierra, in the 4A Final Four last year. The Rangers have started their season at .500 early on. They appear balanced on both sides of the ball, and have an early player-to-watch in Josh Scott. He leads the team in Scoring, Steals, and Blocks (after leading the team with 41 last year) after the first couple of games. Assists leader Tyler Owens hopes to help Scott, as the Rangers try to get over the hump in what should be an exciting season.

You can see Lewis-Palmer take on Pueblo West at home on Tuesday, December 14th, as well as a huge home grudge match later this season against the defending State Champs on a Friday Night, February 11th.

It will be Lewis-Palmers 3rd meeting with Sierra in the last 12 months. They haven’t beaten them since a decisive 74-52 victory on February 12th, 2009. Time for a little revenge?

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As the Schools get set to go on break, the athletic program takes its rest. Other than basketball, no other sport is currently being played by either school. Upon returning from the holidays, the schools will begin Ice Hockey (defending a State Championship), Swimming/Dive (also defending champs), Baseball, and Girls Soccer. All the teams look promising, and should be watched down the stretch. But for now the student-athletes rest, and therefore, so will we; but rather rest in a jungle of faces unknown, we nestle in our homes, with our loved ones, in all familiar places… have a Happy Holidays everyone.

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Look for The Year in Review edition of Sports Snippetz on December 27th.

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If you have any questions, comments, or ideas for Sports Snippetz, contact Nick anytime at SportsSnippetz@Gmail.com

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“...for being such a positive advocate of this community support grant program.”

The Health Advocacy Partnership’s Senior Meals program is a partnership with Lewis-Palmer School District 38, and is supported by volunteers from the Tri-Lakes United Methodist Church. The weekly luncheon for senior citizens is offered every Wednesday at 11:30 AM in Monument at the School District 38 Administration building. It is one of several community health and wellness programs sponsored

by HAP.

Ennis, who is also president of Access Construction, added that the MVEA grant comes to HAP after a surprising twist. He related the story of a “Good Samaritan” who intervened when the check suddenly disappeared. “In our recent office relocation, the $5,000 MVEA check blew out of a vehicle in the Air Academy Credit Union parking lot. It took several days for me to realize I could not find the check. I called MVEA to explain what happened and sheepishly explained to Judith Kinsel that I had lost their much-needed check to HAP. Judith replied, “Oh good; it’s not a problem.” Mark continued, “I was very pleasantly dumb-struck and asked why it is ‘good.’ Judith explained that a Good Samaritan, Joe Dowdy of Monument, had

Mountain View Electric Association’s

Operation Round-Up was formed to assist non-profit organizations, communities with special needs and individuals who have suffered from personal disasters such as a fire, tornado or medical emergencies.

Tri-Lakes Health Advocacy Partnership was established in 1996 as a non-profit organization serving Monument, Palmer Lake, Woodmoor, Gleneagle, and unincorporated areas of north El Paso County. The mission of HAP is to improve the health and well-being of the Tri-Lakes community through community based services and support.

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Plumbing, Heating and Electrical Monument, CO, December 8, 2010: During the weekly Senior Meals luncheon which is sponsored by Tri-Lakes Health Advocacy Partnership, HAP Board president, Mark Ennis, announced the receipt of a $5,000 Mountain View Electric Association Operation Round-Up grant. Ennis remarked, “The MVEA grant is provided to support these weekly meals and is hugely important for HAP because it ensures our ability to continue this weekly program of providing nutritious, low-cost meals to nearly 40 area seniors.” Dave Betzler, the HAP Board director who wrote the MVEA grant application thanked MVEA’s Operation Round-Up coordinator, Judith Kinsel

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found the check in the parking lot and mailed it back to her at MVEA and she had just received it.” Mark concluded the story, “I immediately drove out to MVEA, got the check a second time—and yes, I immediately deposited it.” As a postscript, the MVEA Board sent a gift certificate to Joe Dowdy, the “Good Samaritan.”

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15 Ways to Add Curb Appeal

WARM ALPACA APPAREL

Experience the Difference:

Part 1 of 3

Assume most buyers have no visualization skills. Often buyers won't take a second look at a house if the first look doesn't appeal to them. Home buyers who can visualize changes, and are prepared to make them, expect you to reduce the price of the house to compensate for the work they plan to do. SO, adding Curb Appeal can ultimately earn you much more profit from your home sale.

If money is tight (as it is with many folks in this economy), you'll find that there's a solution to most problems-one that lets you stay within your budget.

Make a grand entry Molding acts like an architectural eyeliner when applied to the sides and top of the doorway.

Notice how the white door casing makes this door pop.

Create symmetry Symmetry is not only pleasing to the eye, it's also the simplest to arrange. Symmetrical compositions of light fixtures and frontdoor accents create welcoming entryways.

Dress up the front door Your home's front entry is the

Priceless!!!

* Socks, Hats, Mittens * Coats, Sweaters & Felts * Toys & Tours

focal point of its curb appeal.

Make a statement by giving your front door a blast of color with paint or by installing a custom wood door. Clean off any dirty spots around the knob, and use metal polish on the door fixtures. Your entry should also reflect the home's interior, so choose a swag or a wreath that reflects your personal style.

Replace old hardware Replace a plain doorknob hardware with something more attractive. If new hardware is beyond your budget, repaint or stain the door and polish the hardware?

House numbers, the entry door lockset, a wall-mounted mailbox, and an overhead light fixture are all elements that can add style and interest to your home's exterior. Make sure these items match or compliment each other. Oiledbronze finishes suit traditional homes, while brushed nickel suits the more contemporary.

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MOMENTS IN TIME

• On Dec. 13, 1915, detective novelist Kenneth Millar, better known by his nom de plume Ross Macdonald, was born in Los Gatos, Calif. He wrote 24 mystery novels, 20 of them featuring detective Lew Archer, who first appeared in “The Moving Target” (1949).

• On Dec. 19, 1732, Benjamin Franklin of Philadelphia first publishes “Poor Richard’s Almanack.” The book, filled with proverbs preaching industry and prudence, was published continuously for 25 years and became one of the most popular publications in colonial America, selling an average of 10,000 copies a year.

• On Dec. 14, 1977, the film “Saturday Night Fever” had its world premiere at Mann’s Chinese Theater in Los Angeles.

Four No. 1 pop hits were launched by the movie’s landmark soundtrack album, including “How Deep Is Your Love.”

THE HISTORY CHANNEL

• On Dec. 17, 1843, Charles Dickens’ classic story “A Christmas Carol” is published. When Dickens’ father was thrown into debtors’ prison in 1824, 12-year-old Charles was sent to work in a factory. The miserable treatment of children and the institution of the debtors’ jail became topics of several of Dickens’ novels.

• On Dec. 18, 1886, the often-controversial baseball legend Ty Cobb is born in Narrows, Ga. In 1911, he led the league in eight offensive categories, including batting (.420), slugging percentage (.621), hits (248), doubles (47), triples (24), runs (147), RBI (144) and steals (83), and won the first American League MVP award.

• On Dec. 15, 1944, legendary bandleader Glenn Miller (also a captain in the U.S Army Air Force) disappears over the English Channel en route to France for a congratulatory performance for American troops who had recently helped to liberate Paris. The wreckage of Miller’s plane was never found.

• On Dec. 16, 1989, federal Judge Robert Vance is instantly killed by a powerful explosion after opening a package mailed to his house near Birmingham, Ala. In June 1991, a federal jury convicted Walter LeRoy Moody on charges related to the bombings and sentenced him to seven life terms plus 400 years in prison. (c) 2010 King Features Synd., Inc.

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COMMUNITY EVENTS

COMMUNITY CALENDAR BUSINESS NETWORK INTERNATIONAL (BNI) Every Wednesday Inn at Palmer Divide Why not join the Showcase Chapter of Business Network international right here in your own Tri-lakes region? BNI is the largest “Givers Gain” business networking association in the world. This chapter routinely passes more than $1/4 million plus business within its’ members and we’re growing. Only one of a “type” of business permitted so you and your business have a monopoly! Your “reach” for giving and receiving business can extend to the whole of Colorado and since we are so active, well organized and positive you can be assured of success! Call either Present Dr Kathy Yuhasz BA, DC, LAc. 719-594-9700 or PR Coordinator Roberta Brunner CCHt., 719-321-9600 to find out if your business qualifies and for an invite to a breakfast meeting on Wednesdays at the Inn at Palmer Divide.

FAME! - FIBER ARTS MONDAY EVENINGS Every Monday Evening - 6pm - 9pm Speedtrap Coffee Bar,84 Hwy. 105, Palmer Lake KNITTING, CROCHETING, WEAVING,QUILTING, RUG HOOKING, ETC. Opportunity to work on projects, learn and share new ideas and techniques. EVERYONE WELCOME! Info: Cindy Allen, 481-2020 SANTA CLAUS AT RETROSPECT DRY GOODS Retrospect Dry Goods in Front Street Square Historic Downtown Monument Saturday, Dec. 11th - Friday, Dec. 17th Saturday, Dec. 18th - 1:00pm to 5:00pm Come sit on Santa’s lap and tell him your wish for Christmas morning in a nostalgic setting at Retrospect Dry Goods! Professional photographer, and treats for the kids.

2ND ANNUAL GLENEAGLE FESTIVAL OF LIGHTS HAY RIDE Saturday, Dec. 11th 5PM - 8PM Gleneagle Golf Club 345 Mission Hill Way 488-0900 Sponsored by Gleneagle Golf Club, Gleneagle Women’s Club, Boy Scout Troop 194, Gleneagle Civic Association & Gleneagle Sertoma. All homes bordering the golf course have been asked to decorate, if needed with the help of Troop 194, the backs of their homes. On Dec. 11th we will take folks around on trailers filled with hay to see the beauty. (weather permitting) Last year was just beautiful, almost magical with music & lights. There will be a light chili supper in the club house, the bar will be open for drinks, coffee & hot chocolate and Gleneagle Women’s Club will donate dozens & dozens of baked cookies to the event. Santa will be roaming around for those who may want to talk a minute.

TRI-LAKES CENTER FOR THE ARTS CONCERT SERIES PRESENTS A BLUES CHRISTMAS Saturday, December 11, 2010, at 7:00 pm. Doors open at 6:00 pm.

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The Tri-Lakes Center for the Arts (TLCA) concert series invites you to another great performance in the intimate concert setting of the Center for the Arts. This concert, featuring two of the area’s outstanding blues bands, is a benefit for TLCA and Tri-Lakes Cares. Admission is $10.00 and two canned goods. Purchase at TLCA (719-4810475) in Palmer Lake, thru PayPal at www.trilakesarts.org, or at the door. For concert and purchase information call 719-481-0475 or visit our website at www.trilakesarts.org.

Pinecrest Event Center’s world famous barbecue will be available, as well as a cash bar.

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77TH ANNUAL YULE LOG HUNT Sunday, December 12th 2010 1:00 P.M Palmer Lake Town Hall BLOOD DRIVE Wednesday, December 15th 9:00am-1:00pm Lewis-Palmer Middle School Gymnasium To schedule an appointment call Tom Barrett at 488-4776; walk-ins welcome 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.

LET’S GET UP AND DANCE! Friday, Jan. 21, 2011 - The Pinery No sitting this one out. Put on your dancing shoes and join Marc and Helen Sabin, line dance instructors from the United States Air Force Academy, for a line dancing demonstration and lesson. The Pinery has lots of room to maneuver and the best part about line dancing - no partner needed! 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 30thMay1st. 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.

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lished as an editorial in The New York Sun newspaper.

“Virginia, your little friends are wrong. They have been affected by the scepticism of a sceptical I am 8 years old. Some age. They do not believe except of my friends say there for what they see. They think that is no Santa Claus. Papa nothing can be which is not comprehensible by their little minds. says, “If you see it in The All minds, Virginia, whether they Sun, it’s so.� be men’s or children’s, are little.

Please tell me the truth, In this great universe of ours, man is a mere insect, an ant, in is there a Santa Claus? his intellect as compared with

— Virginia O’Hanlon

continued on Page 11...

The following letter was published on September 21, 1897.

This essay was written by Francis P. Church, and pub-

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the boundless world about him, as measured by the intelligence capable of grasping the whole of truth and knowledge.

Significantly improve the life of a child, not just this Christmas but all year long, by helping yourself.

“Yes, Virginia, there is a Santa Claus.

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“He exists as certainly as love and generosity and devotion exist, and you know that they abound and give to your life its highest beauty and joy. Alas! how dreary would be the world if there were no Santa Claus! It would be as dreary as if there were no Virginias. There would be no childlike faith then, no poetry, no romance to make tolerable this existence.

We should have no enjoyment, except in sense and sight. The external light with which childhood fills the world would be extinguished.

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“Not believe in Santa Claus! You might as well not believe in fairies. You might get your papa to hire men to watch in all the chimneys on Christmas eve to catch Santa Claus, but even if you did not see Santa Claus coming down, what would that prove? Nobody sees Santa Claus, but that is no sign that there is no Santa Claus.

The most real things in the world

are those that neither children nor men can see. Did you ever see fairies dancing on the lawn? Of course not, but that’s no proof that they are not there. Nobody can conceive or imagine all the wonders there are unseen and unseeable in the world.

“You tear apart the baby’s rattle and see what makes the noise inside, but there is a veil covering the unseen world which not the strongest man, nor even the united strength of all the strongest men that ever lived could tear apart.

Only faith, poetry, love, romance, can push aside that curtain and view and picture the supernal beauty and glory beyond. Is it all real? Ah, Virginia, in all this world there is nothing else real and abiding.

“No Santa Claus? Thank God he lives and lives forever. A thousand years from now, Virginia, nay, 10 times 10,000 years from now, he will continue to make glad the heart of childhood.

“Merry Christmas and a Happy New Year!”

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Is a local group doing a toy drive?

Call them and volunteer to help sort toys into age-appropriate groups.

(For a real eye-opener when it comes to gratitude, try to be there the day the parents come to pick up the boxes of gifts for their children.)

Call the hospital’s volunteer office and ask if it’s holding a special party for children who are patients. Can you help pass out cookies or gifts?

Fill in for a non-medical position when people are on vacation, such as answering the phones at the front

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Do you see the pattern here? The idea is to fill your calendar with places to go and things to do at least three days a week, if not more, and they all involve doing things to help and be with others.

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their significance and their treatment.

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Enclose check or All Items Subject to Select Strains and/or Availability *Select Pipesa Only money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please allow four weeks for delivery.

DEAR DR. DONOHUE: For the past eight months, I have had a heart rhythm problem. I am on Coumadin. One day I forgot I had taken it and took another dose.

My blood test showed that I had taken far too much. You wrote about ablation being a treatment for rhythm problems. Would it benefit me, and could I go off Coumadin?

-- W.K. ANSWER: I’m sure your rhythm problem is atrial fibrillation, a common and serious heartbeat disturbance where the heart beats rapidly and irregularly. One consequence is a drop-off in the amount of blood pumped by the heart. The second, and the more dangerous consequence, is the formation of clots in the upper heart chambers because blood in those chambers isn’t moving -- stagnant blood forms clots. Clots in the heart can be swept into the circulation and to the brain, where they block a brain artery. The result is a stroke. Coumadin prevents those clots from forming.

Many times, the goal in treating atrial fibrillation is only to slow the heart so that it pumps out an adequate blood supply.

Are there other ways of dealing with this rhythm problem? Yes. Ablation is one. It involves eliminating the heart tissue generating the abnormal rhythm. It’s done by inserting a thin tube that’s outfitted to deliver radio waves to the specific heart sites from which the abnormal beating arises.

Does it sound simple to you? It isn’t. It’s very intensive work, and requires special training. Generally, ablation is restricted to those younger than you, but not always.

*** DEAR DR. DONOHUE: I think my husband is an alcoholic. He drinks far too much. He’s not abusive, but his consumption of alcohol is more than a six-pack of beer a day, and sometimes whiskey. He usually falls asleep in a chair. My sister tells me the cage test can diagnose alcoholism. What is it, and where can he get it

719-592-1365 www.csallergy.com

Including Allergy Injections

550 Highway 105 Monument, CO 80132 Wednesday Afternoons

At the Medical Center next to Safeway

done? He won’t talk about these things to me. -- C.L.

Two “yes� answers indicate alcoholism.

It’s a simple but reliable test.

ANSWER: It’s not a lab test. It’s four questions. They are: 1. Have you ever felt the need to cut down on your drinking? 2.

Are you annoyed when people criticize your drinking? 3. Do you ever feel guilty about your drinking? 4. Have you ever taken a drink first thing in the morning as an eye-opener?

*** 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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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

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FRUITCAKE GETS THE RESPECT IT DESERVES

M

ary Beth Frezon is the founder of The Society for the Protection and Preservation of Fruitcake.

Her love for fruitcake is so passionate that she not only created the society, she has a webpage devoted to the much-maligned dessert. Here’s her advice to closet fruitcake lovers, and a recipe for Easy Fruit Cake that just might make you want to become a member of her club!

Who are you, and what do you do when you’re not defending fruitcake?

I’m just a person who likes fruitcake and makes it on a regular basis and enjoys the communication possible on the web. When I’m not making and promoting fruitcake, I make quilts and I mess around with web stuff and Macs.

I like baking bread and other things. And of course I savor a good fruitcake with a good beverage on cold winter nights.

Why did you found the society, and when?

The society was founded sometime around 1999. I was working for a webpage hosting company and must have mentioned to my co-workers that it was the weekend to make fruitcake. Much abuse and derision followed. What could I do but create a webpage in response? I added some links to other pages and my own recipe, and suddenly people were asking for recipes and wanting more info.

What’s the purpose of the society?

The society’s goal is to protect and preserve fruitcake, not in the pouring on more brandy or rum type of preservation, but in the ‘spread the gospel’ way. By providing information and links about fruitcake, it’s hoped we can provide safe haven for fruitcake lovers and some encouragement for others to give it a try.

What’s the correct response when someone makes fun of me for liking fruitcake?

Perhaps the best response is to offer the person a slice of good fruitcake. Or you could try not sharing your fruitcake with them -- sometimes we want what we cannot have, after all.

What’s the correct response when someone gives me a fruitcake as a gift?

Unless it’s the sort of fruitcake you get for $1 each at your local Stop and Shop, you should be honored by the gift.

THIS ‘AINT LEGO WORLD, BUT WE CAN STILL HAVE FUN!

By Nick Yanez

I

t is scary to think that the kid in the corner killing invisible ninjas with a plastic hockey stick may one day be president. Or that the girl next door, who chooses to wear cowboy boots parachute pants and mouse ears, in twenty years, could run a company.

But the simple fact of it is that the youth are our future.

They will run the universe. Hopefully not in the same way they run fictional Lego universes, or mankind is in grave danger. But forget what may be a devastating future; kid’s today just need to have fun. If they have fun, they’ll have a good attitude, and attitude goes a long

Tuesday - Friday 5 - 9 pm Saturday 11:30 am - 9 pm Slice thin, serve with a good beverage and enjoy, preferably on a cold winter night.

What’s all the interest in fruitcake, and why should I care?

I think there’s a lot of interest because of the disparity between corny fruitcake jokes and serious fruitcake fanciers.

It’s easy to take potshots at fruitcakes. It’s not so easy to make good ones.

What is that green stuff in fruitcakes anyway?

There are two things that are green in fruitcakes. One is the bright green maraschino cherries that are often used, especially as decorations on top. I don’t blame you for being leery of those -- they are a color seriously not found in nature.

The other is citron, which is a paler green (and is seen in the society logo). This is a naturally occurring fruit that has been candied as a means of preserving it. Citron is a family of fruit that includes the etrog, used in Jewish Sukkot, or Feast of Tabernacles.

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

EASY FRUIT CAKE

Tues - Sun : 11:00AM - 5:00PM

(Makes 2 cakes)

1 (16 ounce) bag mini marshmallows 1 pound candied cherries 1 pound pecan pieces 1 pound walnut pieces 1 (16 ounce) package flaked coconut 1 cup crushed graham crackers 1 cup crushed vanilla wafers 1 cup raisins 1 (14.5 ounce) can sweetened condensed milk 1. Combine the marshmallows, cherries, pecans, walnuts, coconut, graham crackers, vanilla wafers and raisins. Mix well to combine. Add in the condensed milk. Blend in thoroughly.

2. Press the cake with your hands into 2 waxed paper-lined loaf pans. Chill the cakes for 8 hours. Cut into thin slices.

Angela Shelf Medearis is known as The Kitchen Diva!

She’s the executive producer and host of “The Kitchen Diva!” cooking show on Hulu.com. Her newest inspirational book is “10 Ingredients for a Joyous Life and a Peaceful Home -- A Spiritual Memoir,” co-written with Pastor Salem Robinson, Jr., www.dunnsmemorial.com.

Visit her Web site at www.divapro.com. (c) 2010 King Features Synd., Inc.

way. Of course, fun is best served safe, and with a good dose of life lessons. What’s a fun, safe, life-learning experience your child can have? They can bowl.

Pinz Bowling Center will begin its Youth League on January 15th. It ends the 14th of May, and the awards ceremony will be the 23rd of the same month. That’s five months of fun for your child. On top of that, bowling is a non-violent sport your child can play, teaching him/ her competitiveness, as well as good sportsmanship.

Best of all, kids of all ages can play it, and continue to get better. Pinz also offers coaching for kids who want to be at their best. It’s an activity that will 1) get your kid involved in something, 2) Allow your kid to makes some new friends, and 3) won’t put you out too much money. To sign your kid up, or ask any questions about the Pinz Youth League, call Pinz at 487-7469. Who knows, maybe your kid will be on the next championship team, or the MVP of the league. Honors like that can really get a kid going, and even motivate them, for what’s sure to be, a very promising future.

15

Closed Monday

24 Hwy. 105 in Palmer Lake

Rock House Ice Cream

488-6917

www.rockhouseicecream.com

MONUMENT’S LOCAL PACK AND SHIP GETS A FACELIFT AND A NEW OUTLOOK

L

eigh & Angie Wilde purchased the store in August after its unexpected closing in July.

<Snippetz> What made you decide to purchase the 1st Class Pack & Ship? <Wilde> The store has been at this location for almost 18 years – it seemed a reasonable and worthwhile investment. <Snippetz> Why the name change? <Wilde> Sometimes change is a good thing. We were cleaning and updating pretty much everything. We wanted people to know that with a new owner there would also be a new experience – changing the name seem an appropriate way to convey that. <Snippetz> What services do you offer? <Wilde> We can ship local to worldwide with FedEx, USPS & DHL. We carry books and rolls of stamps and provide notary public services. We offer faxing, copying and office supplies as well as printing services such as business cards and banners. We also provide gift wrapping and greeting cards for those special occasions. <Snippetz> Are you a part of a franchise? <Wilde> No, we are an independent, locally owned business. We have no franchise fees and no corporate office dictating pricing. We do not have the type of overhead that other stores may have. This means we can keep our costs lower than the competition and can pass that savings on to our customers. <Snippetz> Is it too late to ship for Christmas? <Wilde> No, but the end of the “cheap” shipping window is quickly approaching. You can ship as late as Thursday, December 23rd and still be on time, but it will cost a great deal more than if you ship by the 15th.

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

By Marge Svenson

1. GEOGRAPHY: Where is the Alamo located?

2. TELEVISION: What was the name of the father on “The Brady Bunch”?

3. U.S. STATES: Which state was the first, by law, to give women the right to vote?

4. ENTERTAINERS: Where did Elvis Presley die?

5. ANATOMY: Where are the triceps muscles located?

6. ART: Which impressionist painter created a series of famous works of his garden at Giverny?

7. U.S. PRESIDENTS: In which branch of the military did Gerald Ford serve during World War II? 8. HISTORY: How many people died as a result of the Boston Massacre in 1770?

9. CARTOONS: In the animated series, where did Yogi Bear live?

10. LANGUAGE: What is a sobriquet?

Sports Quiz

By Chris Richcreek

1. When Kansas City’s Zack Greinke led the American League with a 2.16 ERA in 2009, it was the lowest A.L. leader since 2000. Who had a lower ERA then?

2. Three major leaguers have won the Sporting News Player of the Year award in back-to-back years. Name two of them.

3. When Tom Brady became the New England Patriots’ all-time passing yardage leader in 2009, which signal-caller did he supplant?

4. Name the last time before 2010 that Northern Iowa’s men’s basketball team won a game in the NCAA Tournament.

5. Who was the last NHL player before Detroit’s Johan Franzen in 2010 to have a six-point playoff game?

6. In 2010, Jamie McMurray became the second NASCAR Cup driver to win both poles in the same season at California’s Auto Club Speedway. Who was the first?

7. Name the last French tennis player to win the French Open men’s singles title, and what year did he do it?

(c) 2010 King Features Synd., Inc.

(c) 2010 King Features Synd., Inc.

1. Whatever happened to rock-and-roll pioneer Eddie Cochran?

2. What was the first U.S. No. 1 single Paul McCartney had with his new band Wings?

3. Who released “Margaritaville,” and when?

4. When and where did the rock musical “Hair” first open?

5. Who is known as “The Red Rocker”?

6. Who released “Why Should I Cry For You,” and when? (c) 2010 King Features Synd., Inc.

In order to keep everyone honest (you know who you are,) we have moved the answers and solutions to the trivia and puzzles to the next page (17).

New DVD Releases for Week of December 13, 2010 PICKS OF THE WEEK “Inception” (PG-13) -- Director Christopher Nolan (“Memento,” “The Dark Knight”) has crafted one of the most original and talked about films of year -- if not the decade. Leonardo DiCaprio stars as Dom Cobb, an industrial spy who can enter the dreams of his clients’ competitors and steal their ideas. A Japanese magnate named Saito (Ken Watanabe) hires Cobb to do something different: Instead of extracting ideas, he wants Cobb to implant an idea

into the subconscious of a rival businessman (Cillian Murphy) -- a process called “inception.”

With the aid of his partner (Joseph GordonLevitt), an architecture student (Ellen Page), a chemist (Dileep Rao) and a forger (Tom Hardy), Cobb enters a series of dreams and dreams-within-dreams to pull off the caper.

A series of spectacular special-effects sequences will simply take your breath away.

“Inception” is one of those rare sciencefiction films like “2001” -- one that is not only visually compelling, but smartly written and intellectually stimulating.

“Despicable Me” (PG) -- The best animated film of the year is, hands-down, “Toy Story 3,” but coming in a very close second is “Despicable Me,” a rollicking slapstick comedy starring the voices of Steve Carell, Jason Segel, Russell Brand and Julie Andrews.

Gru (Carell) is the world’s greatest su-

pervillain -- until a young upstart named Vector (Segal) steals the Great Pyramid of Giza, dropping Gru to No. 2 on the list. To regain the top spot, Gru must steal Vector’s shrink ray so that he can shrink the moon.

To do that, he must enlist the help of three cookie-selling orphan girls and a squad of blobby, inept minions (who steal every scene they’re in). Despite the hackneyed trope of the Importance of Family, “Despicable Me,” is one of the funniest films of the year and a treat for kids and adults.

“The Other Guys” (Unrated) -- Will Ferrell and Mark Wahlberg star in this hilarious send-up of buddy-cop movies. Ferrell plays a clueless police accountant with a hot wife (Eva Mendes) whose beauty he is totally oblivious to. Wahlberg is a super-cop wannabe who is banished to desk duty after accidentally shooting a member of the New York Yankees. After the city’s famous duo of super cops (Samuel L. Jackson & Dwayne

16

“The Rock” Johnson) die in the line of duty, Ferrell and Wahlberg use the opportunity to take on a case involving a billionaire Wall Street crook (Steve Coogan). The gags in this film come at you so fast and furious, you’ll be out of breath from laughing. “The Other Guys” is definitely worth a watch.

TV SERIES “The IT Crowd” Complete Fourth Season “The Honeymooners Christmas Special” “24” The Complete Series “Married ... With Children” The Complete Series “Robert Klein: Unfair and Unbalanced” “Leave It to Beaver” Season Five “Trailer Park Boys Say Goodnight” “Army Wives” Complete Fourth Season “24” The Complete Eighth Season “Hawaii Five-0” Tenth Season “Gunsmoke” Fourth Season V.2 (c) 2010 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

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 1. San Antonio, Texas 2. Mike Brady 3. Wyoming, in 1869 4. At his estate, Graceland, in Memphis, Tenn.

5. Upper arm 6. Monet 7. Navy 8. Five 9. Jellystone Park 10. A nickname

DECEMBER 13, 2010 ARIES (March 21 to April 19) At this time you might want to resist that otherwise admirable Aries penchant for getting to the heart of a matter quickly. Keep in mind that a delicate situation calls for patience.

SPORTS QUIZ ANSWERS 1. Boston’s Pedro Martinez, with a 1.74 ERA. 2. Ted Williams (1941-42), Joe Morgan (1975-76) and Albert Pujols (2008-09).

3. Drew Bledsoe, who had 29,657 yards.

4. It was 1990, when the Panthers beat Missouri.

5. St. Louis’ Geoff Courtnall, in 1998.

6. Kurt Busch, in 2006.

7. Yannick Noah, in 1983.

FLASH BACK ANSWERS 1. Cochran died in a taxi cab crash in 1960 while on tour in the United Kingdom. He was 21. His hits included “C’mon Everybody” and “Summertime Blues.”

2. “My Love” in 1973. The song only reached No. 9 on the U.K. charts.

3. Jimmy Buffet, on his 1977 “Changes in Latitudes, Changes in Attitudes” album.

4. April 29, 1968, in New York City at the Biltmore Theatre. The show ran for 1,750 performances, while additional shows opened at different locations around the world.

5. Sammy Hagar, originally with the band Van Halen in 1985. Via his association with Van Halen, Hagar was inducted into the Rock and Roll Hall of Fame in 2007. His most recent band is Chickenfoot.

6. Sting, in 1991 on “The Soul Cages” album.

TAURUS (April 20 to May 20) Your aspects favor more diplomacy and fewer direct confrontations when dealing with a relationship problem. Avoiding hurt feelings can help in your search for the truth.

GEMINI (May 21 to June 20) Positive aspects are strong this week. Although you might still have to deal with some problems caused by a recent period of turmoil, you are making progress, and that’s what counts.

CANCER (June 21 to July 22) A family matter could benefit from your counsel.

But don’t come into it unless invited, and don’t stay if you feel uneasy. Just remember to reassure one and all that you’ll be there for them.

LEO (July 23 to August 22) As the truth about an ongoing situation emerges, you could find that you were right to defer judgment before you had all the facts. Now would be a good time to move on to other matters.

VIRGO (August 23 to September 22) Your plans to take control of a personal situation because you feel you are best qualified could create resentment. Best to hear what everyone else involved in the matter has to say about it.

17

(719)487-PINZ (7469)

LIBRA (September 23 to October 22) Uncovering some surprising background facts about that ongoing personal matter could make you reconsider the extent of your involvement. A neutral family member offers advice.

SCORPIO (October 23 to November 21) Religious or spiritual themes start to dominate your aspect this week. This can serve as a counterweight to the mounting effects of the season’s growing commercialization.

SAGITTARIUS (November 22 to December 21) Taking on that recent challenge impressed a lot of important decision-makers.

Meanwhile, proceed with your holiday plans, and don’t forget to include youknow-who in them.

CAPRICORN (December 22 to January 19) Disagreeing with an opinion you can’t accept could be dicey, and your motives might be questioned. Best to wait to mount a challenge until you have support for your position.

AQUARIUS (January 20 to February 18) Getting involved in helping others in this increasingly hectic period not only makes the generous Aquarian feel good, but you could also gain a more substantive benefit from your actions.

PISCES (February 19 to March 20) The Piscean way of thinking clearly and objectively helps you resolve a complex situation without creating any ill will. Don’t be surprised if your counsel is requested on another matter.

BORN THIS WEEK: You have a way of persuading people to look at the positive possibilities that make up any choices they might face. (c) 2010 King Features Synd., Inc.

SNIPPETZÂŽ BUSINESS, FINANCE & LAW

LEARN ABOUT THE MARKET WITH

A FREE CUP OF COFFEE.

FINANCIAL FOCUS CONSIDER ESTABLISHING A BUSINESS RETIREMENT PLAN 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.

All retirement plans offer some features in common, such as tax-deferred growth of earnings. So how can you pick the plan thatâ&#x20AC;&#x2122;s right for you? Youâ&#x20AC;&#x2122;ll need to consider your businessâ&#x20AC;&#x2122; annual income, number of employees and other factors. Fortunately, you have some good plans from which to choose.

Date: Thursday, December 16, 2010 Time: 9:00 a.m.

Place: Serrano's Coffee Shop - Monument, CO Adam R Grayson, AAMSÂŽ Financial Advisor .

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

www.edwardjones.com

I

f youâ&#x20AC;&#x2122;re self-employed or you own a business, youâ&#x20AC;&#x2122;ve got a lot to think about: attracting new customers, maintaining cash ďŹ&#x201A;ow, upgrading equipment and facilities â&#x20AC;&#x201D; the list goes on and on. Yet, as busy as you are today, you canâ&#x20AC;&#x2122;t forget about tomorrow â&#x20AC;&#x201D; which means you need to have a solid retirement plan in place.

Member SIPC

Here are a few to consider:

SCHOLARSHIPS AVAILABLE DŽƾŜĆ&#x161;Ä&#x201A;Ĺ?Ĺś sĹ?Ä&#x17E;Ç ĹŻÄ&#x17E;Ä?Ć&#x161;Ć&#x152;Ĺ?Ä? Ć?Ć?Ĺ˝Ä?Ĺ?Ä&#x201A;Ć&#x;ŽŜ Ĺ?Ć? ŽčÄ&#x17E;Ć&#x152;Ĺ?ĹśĹ? Ď­Ď° Ć?Ä?Ĺ&#x161;ŽůÄ&#x201A;Ć&#x152;Ć?Ĺ&#x161;Ĺ?Ć&#x2030;Ć? Ć&#x161;Ĺ˝ Ĺ?Ć&#x152;Ä&#x201A;Ä&#x161;ĆľÄ&#x201A;Ć&#x;ĹśĹ? Ĺ&#x161;Ĺ?Ĺ?Ĺ&#x161; Ć?Ä?Ĺ&#x161;ŽŽů Ć?Ä&#x17E;ĹśĹ?Ĺ˝Ć&#x152;Ć?Í&#x2DC; 10 - $1,000 MVEA Ď­ Ͳ ΨϭÍ&#x2022;ĎŹĎŹĎŹ sĹ˝Ä?Ä&#x201A;Ć&#x;ŽŜÄ&#x201A;ĹŻÍŹdÄ&#x17E;Ä?Ĺ&#x161;ĹśĹ?Ä?Ä&#x201A;ĹŻ Ď­ Ͳ ΨϭÍ&#x2022;ĎŹĎŹĎŹ dĆ&#x152;Ĺ?Ͳ^Ć&#x161;Ä&#x201A;Ć&#x161;Ä&#x17E; 'Ä&#x17E;ĹśÄ&#x17E;Ć&#x152;Ä&#x201A;Ć&#x;ŽŜ Î&#x2DC; dĆ&#x152;Ä&#x201A;ĹśĆ?ĹľĹ?Ć?Ć?Ĺ?ŽŜ Ď­ Ͳ ΨϭÍ&#x2022;ĎŹĎŹĎŹ Ä&#x201A;Ć?Ĺ?Ĺś ĹŻÄ&#x17E;Ä?Ć&#x161;Ć&#x152;Ĺ?Ä? WĹ˝Ç Ä&#x17E;Ć&#x152; Ć?Ć?Ĺ˝Ä?Ĺ?Ä&#x201A;Ć&#x;ŽŜ Ď­ Ͳ ΨϭÍ&#x2022;ĎŹĎŹĎŹ Í&#x2DC; Í&#x2DC; Í&#x17E;DĹ?Ä?ĹŹÍ&#x; 'Ä&#x17E;Ä&#x17E;Ć?Ä&#x17E;Ĺś DÄ&#x17E;žŽĆ&#x152;Ĺ?Ä&#x201A;ĹŻ

Owner-only 401(k) â&#x20AC;&#x201D; If you are self-employed with no employees other than your spouse or a partner, the Owner-only 401(k) may be an option for you. Also known as an individual 401(k), an owner-only 401(k) offers you many of the same advantages of a traditional 401(k): a range of investment options, taxdeductible contributions and taxdeferred earnings growth. You may even be able to choose a Roth option for your owner-only 401(k), which allows you to make after-tax

contributions that have the opportunity to grow tax-free. For 2010, you can contribute up to $16,500 as a deferral, and total contributions cannot exceed $49,000 or $54,500 if youâ&#x20AC;&#x2122;re 50 or older. But you must plan ahead to take advantage of this plan for 2010 because it will need to be set up prior to Dec. 31, 2010.

SEP IRA â&#x20AC;&#x201D; If you have just a few employees or are self-employed with no employees, you may want to consider a SEP IRA. For the 2010 tax year, you can put in the lesser of $49,000 or 25 percent of your compensation, which is capped at a maximum of $245,000. You fund the plan with tax-deductible contributions, and you must cover all eligible employees â&#x20AC;&#x201D; at a minimum, those who are at least 21 and have been with your company for three out of the immediately preceding five years. (Employees themselves cannot contribute.) Keep in mind, though, that the percentage of compensation contributed to a SEP IRA must be the same for you and your employees. If you donâ&#x20AC;&#x2122;t get a plan set up prior to year-end, the SEP IRA is the only plan that you can set up and fund, up until your tax filing deadline, to get a 2010 tax deduction.

Solo deďŹ ned beneďŹ t plan â&#x20AC;&#x201D; Generally speaking, this plan, which is similar to a traditional pension plan, may be suitable for you if you have relatively high earnings and can afford to take advantage of the high contribution limits, which are determined by an actuarial calculation.

Your contributions are tax deductible.

In choosing a retirement plan, you may want to consult with your tax adviser. But donâ&#x20AC;&#x2122;t wait any longer to get started. The future will be here soon enough â&#x20AC;&#x201D; so youâ&#x20AC;&#x2122;ll want to be prepared for it.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor For additional information, contact:

Adam Grayson 755 Hwy.105, Ste M-4 â&#x20AC;˘ Palmer Lake, CO

719-481-4964

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Applications must be received by January 15, 2011. Ć&#x2030;Ć&#x2030;ĹŻĹ?Ä?Ä&#x201A;Ć&#x;ŽŜĆ? Ä&#x201A;Ć&#x152;Ä&#x17E; Ä&#x201A;Ç&#x20AC;Ä&#x201A;Ĺ?ĹŻÄ&#x201A;Ä?ĹŻÄ&#x17E; ŽŜ Ds Í&#x203A;Ć? Ç Ä&#x17E;Ä?Ć?Ĺ?Ć&#x161;Ä&#x17E; Ä&#x201A;Ć&#x161; Ç Ç Ç Í&#x2DC;ĹľÇ&#x20AC;Ä&#x17E;Ä&#x201A;Í&#x2DC;Ä?ŽŽĆ&#x2030; Ĺ˝Ć&#x152; Ä?Ç&#x2021; Ä?Ä&#x201A;ĹŻĹŻĹ?ĹśĹ? Ä&#x17E;Ä?Ĺ˝Ć&#x152;Ä&#x201A;Ĺ&#x161; ^ĹŹĹ?ĹŻĹŻĹ?Ä?Ĺ˝Ć&#x152;Ĺś Ä&#x201A;Ć&#x161; ϳϭϾͲϳϳϹͲώϴϲϭ Ĺ˝Ć&#x152; ϳϭϾͲϰϾϹͲώώϴϯÍ&#x2DC;

&IND A MEMBER APPLICATION PACKET ON THE #HAMBER S WEBSITE GO TO THE #HAMBER OF #OMMERCE PAGE ,OOK FOR THE */). ./7 OF #OMMERCE PAGE ,OOK FOR THE PAGE ,OOK FOR THE */). ./7 LOGO OR STOP BY THE #HAMBER OFl CE */). ./7 LOGO OR STOP BY THE #HAMBER OFl CE

18

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SNIPPETZ BUSINESS, FINANCE & LAW

Lisa Welch Stevens Attorney at Law, P.C.

THE LAW ACCORDING TO STEVENS

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

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

BUSINESS PLANS: RECIPE FOR BUSINESS SUCCESS!

D

Any business seeking financing, a loan, or a line of credit, will be required by a potential investor, bank, or other lender to provide a copy of its business plan, before any finance application will be considered. So yes, if you intend to seek financing you need a business plan.

However, a business plan is not simply a tool for a third party to inform itself before it can decide whether to provide you with financing. A well-thought out, well-drafted business plan, a plan reviewed and consulted by the business owner on a regular basis, can provide the business owner with a recipe for business success. Many a business with a good concept has failed due to lack of execution: a business plan sets forth your plan of execution.

A business plan is not just for new businesses, either. Any business will benefit from formulating such a plan, whether it is experiencing difficulties, or booming success. The business plan sets forth where you are, where you want to be, and how you will get there.

What IS a business plan? Most plans are comprised of the following sections, depending upon the nature of the business itself: •

Name and Contact Information;

• cus);

Business Description (Type, Mission, Fo-

•

Industry and Market Description;

Business Formation

❖

Business Planning

❖

Intellectual Property

❖

Employment Law

❖

Mergers and Acquisitions

❖

Wills, Estate, Probate

❖

Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

© November, 2010, Lisa Welch Stevens, Esq.

o you need a business plan for your business?

What is a business plan? Is a business plan for new businesses only?

❖

719.488.9395

lisa@lwslawfirm.com • www.lwslawfirm.com

•

Company History;

•

Company Products or Services;

•

Marketing Plans;

•

Management Team Biographies;

•

Funding (Needed and History);

•

Financial Statements;

•

Financial Projections.

It is actually the formulation and drafting of the business plan that is the most helpful to the business owner. Specify the types of goods and/or services your business will provide. Identify your target customers/clients. Identify your competitors. Identify and set forth how your business will differentiate itself from the competition. Identify how you will market your business to potential customers, and set forth a plan of action. Identify the key players in your business, their strengths and weaknesses, and apportion responsibilities accordingly. Analyze your financials, and resources available to your business. Identify resources you need, but do not have. Analyze your industry and local marketplace, and determine likelihood of success. Determine your overhead costs of operation, and project revenues needed to cover those costs. Simply the process of thinking through all of this will increase your chances of business success.

Drafting a business plan may seem daunting, but there are resources available to help you. Books such as those in the “Dummy” series (such as Small Business

If you’ve reached the end of your budgeted money, yes ... you can stop shopping. Don’t buy another thing, even if you see a super sale.

If you used credit cards because you didn’t save in advance, you’ll need a plan of attack to pay off the balance.

GETTING A HANDLE ON HOLIDAY DEBT

O

verheard in a mall when a weary child asked his package-laden mother: “Mom, can we stop shopping yet?” Smart kid.

Is your holiday shopping completed? Did you stick to your budget and use saved cash, or are you afraid to look at the stack of credit-card receipts you’ve accumulated?

Your first step will be to determine whether your credit-card purchases put your balance over 50 percent of your available credit. Going over that 50 percent amount can impact your credit score long term.

If that has happened, do everything you can to immediately bring the balance below that 50 percent.

Consider taking out a lower interest loan, perhaps at a credit union, to pay off the entire balance. If you’re expecting a tax refund and haven’t paid off the credit card by the time the check arrives, use it first to pay off the debt.

If you’ve stayed under that 50 percent amount, break the balance into three payments and pay it off quickly. If you can’t clear the balance in three payments, at least make more than the minimum payment. There’s a place on your credit report that indicates whether you make more than the minimum payments, and that helps your credit score.

19

DIVORCE / FAMILY LAW

VALUE

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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 Kit for Dummies), can be very helpful. Many such books are available not only at bookstores, but online and at the public library. The Pikes Peak Library District, for example, has a librarian who specializes in assisting business owners. Organizations such as SCORE, the Small Business Administration, and the Technology Incubator at the University of Colorado at Colorado Springs can also be helpful. Finally, certain accountants, business coaches, attorneys, and business advisors can be retained to assist in drafting your business plan.

Many business owners focus only on providing the good or service which is the “subject matter” of their business (e.g., painting residential exteriors), and not on marketing their business or running the business as a business; they then wonder why they fail. By planning from the beginning, you increase the odds of your business surviving and even succeeding. Create your recipe, then follow it. Review it regularly and, if needed, adjust it. Know your business, understand your business, and success is far more likely.

This article is intended for general informational purposes only, and does not constitute the proffer of legal advice. Consult your legal advisor 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

If your credit card statement after the holidays offers you a month of no payment, send a payment anyway.

The interest meter never stops running, and the cost of your gifts will continue to rise.

If you haven’t started your shopping yet, reconsider how much you’ll spend. Decide whether it’s possible to go all-cash this year, perhaps by not sending gifts to people outside your immediate family.

Idea: Start a Christmas Club account at your bank or credit union for next year. Every month you’ll deposit a set amount, and by the next shopping season all of your holiday money will be waiting for you.

The interest paid will be minimal, but you’ll have the satisfaction of having no credit-card debt after the holidays.

David Uffington regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail.com. (c) 2010 King Features Synd., Inc.

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