Snippetz_Issue 499

S

n Ip pe t z

z

™

WEEKLY MAGAZINE

FREE WEEKLY

SNIPPETZ FEELS THE EARTH MOVE:

EARTHQUAKES

by Deborah Stumpf

ISSUE 499 • MAY 23, 2011

O

n May 16, in just 24 hours, scientists recorded 87 earthquakes – albeit small – in the United States.

Most of them occurred in California and Alaska. Three were at magnitude 3-plus and one was at magnitude 4.5-plus.

Now Accepting League Bowlers For Short Summer Season (14 Weeks)

(719)487-PINZ (7469) Call for More Info 855 Highway 105 Palmer Lake, CO 719-487-PINZ www.pinzbowling.com The Premier Family Entertainment Center in the Tri-Lakes Area

More than a million magnitude 2.0 to 2.9 earthquakes occur each year worldwide. Thousands of 3 to 5.9 earthquakes occur annually, and it’s estimated that one earthquake of magnitude 8 or higher takes place in any given year.

On May 9, a small magnitude 3.9 earthquake was recorded in Colorado: 12 miles west of Trinidad; 22 miles northwest of Raton, N.M., 32 miles south of Walsenburg and 179 miles south of Denver.

FIRST NATIONAL BANK MONUMENT

581 Hwy 105 Member

719-481-0008 www.fnbmonument.com

COMMERCIAL EQUIPMENT LOANS

Is the future on shaky ground?

Earthquakes... Continued on Page 2

All your protection under one roof.

All your protection under one roof.

TIME TO UPDATE?

Larry E Stiltner Agency 481 Hwy 105 Suite 212 (719) 481-8382 Bus Monument, CO 80132

All your protection under one roof.

Larry Stiltner ©1997E American Family MutualAgency Insurance Company and its Subsidiaries Office – Madison, WI 53783 481 Hwy 105 SuiteHome212 www.amfam.com (719) 481-8382 Bus NA-07497 Rev. 1/03 Monument, CO 80132 Larry E Stiltner Agency 481 Hwy 105 Suite 212 ©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 (719) 481-8382 Bus www.amfam.com Monument, CO 80132 NA-07497 Rev. 1/03

©1997 American Family Mutual Insurance Company and its Subsidiaries Home Office – Madison, WI 53783 http://insurance-agency.amfam.com/CO/larry-e-stiltner/ www.amfam.com NA-07497 Rev. 1/03

ǯ

ǡ ʹͷ ͹ǣͲͲ Ȉ Ǩ Ȉ ϐ ǯ Ǥ

Ȉ ȋ Ȍ Ǧ Ǥ Ȉ Ȉ ǡ ͹ͳͻǤͶͺͳǤʹʹ͹ʹ Ǥ ʹͷͲǤ

4.75% APR

up to 60 Months Financing

A SPECIAL BRAND OF ACCOUNTS NOW OPEN    MONUMENT COINS 

Buy • Sell • Trade…Coins, Gold & Silver

WE BUY GOLD! GET 40% OR MORE IN CA$H FOR YOUR UNWANTED GOLD!

719-488-1400 www.monumentcoins.com monumentcoins@gmail.com In the MONTEVERDE Center 325 2nd St. Suite U, Monument Co

ͳͺͻͶͷ ǡ ͺͲͳ͵ʹ Ǥ Ǥ www.monumenthillcc.com

Al Dobrick - 30 Years Exp

Bring this ad to receive an Extra 5% when we buy your Gold

®

SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR

“Detecting Alzheimer’s In Earliest Stage” Senior News Line... 9

CLASSIFIED PAGE 9

GREAT BARGAINS Find Your Treasure!

Business / Employment Opportunities

HEALTH “Diverticulosis Common With Age” To Your Good Health... 10

THE DINING GUIDE “Fire Up the Grill!: Grilled Apple Cake” The Kitchen Diva... 13

PUZZLES, TRIVIA, ENTERTAINMENT 14-15 Trivia Test • Sports Quiz • Flash Back Super Crossword • Weekly Sudoku Couch Theater DVD Previews Huey’s Page (Comics) Salome’s Stars (Weekly Horoscope)

COMMUNITY CALENDAR 16 BUSINESS, FINANCE & LAW “Munis” Can Still Work for You Even in Tough Times Financial Focus ... 18 “Business Contracts: The Essentials” The Law According to Stevens... 19 “Mortgage Scam Targets Desperate Homeowners” Dollars and Sense... 19

ALL RIGHTS RESERVED © 2011 PUBLISHED BY FUNDER ENLIGHTENING, INC. George Wilkins - Publisher PO Box 789

Monument, CO, 80132

(719) 487-0484 email: george@fepublications.com www.snippetzonline.com

C O U N T S Q U A L I T Y W H E N

FREE

Signs and Banners Four-Color In-House Printing Promotional Products Vehicle Wraps

C O U N T S

Moments In Time... 8

MOVED!

1756 Lake Woodmoor Drive Monument, Colorado

Bring Advertising 719-488-2544 this ad in 15706 and receive Jackson Creek Pkwy.

Bulk Mailing Monument, CO 10 Black & White 80132 Copies or 1 Color Copy Laminating

Earthquakes...

Continued from Page 1

with Direct-to-Plate Technology

Black & White and Color Copies Graphic Design

Q U A L I T Y

“Real Estate Investment Tips for Beginners” Robyn’s Real Estate Rap... 6

719-488-2544 WE’VE

Bindery

W H E N

Life Energy Flow Tai Yi “Loving Yourself”... 5

C O U N T S

together as the rest of the block moves, the energy that would normally cause the blocks to slip past each other is stored. The force of the moving blocks overwhelms the friction of the jagged edges of the fault, releasing the edges and the stored energy. The energy radiates outward from the fault in many directions – this is referred to as seismic waves (like ripples on a pond).

The waves shake the earth as they move through it, and when the waves reach the earth’s surface, they shake the ground and buildings, etc.

WHAT’S MAKING THE EARTH MOVE? When two blocks of the earth slip past each other in a sudden movement, they create a fault or fault plane.

The earth has four major layers: the inner and outer core, the mantle and the crust. The crust, which is at the top of the mantle, is comprised of a thin skin on the surface of the planet. The skin is made up of many pieces, which continuously move – often sliding past and bumping into each other. The pieces are called tectonic plates; the edges of the plates are plate boundaries, which comprise many faults. Most of the earthquakes occur on the faults. The edges of the plates are rough, so they get stuck when the plate keeps moving.

To record and measure earthquakes, Charles Richter developed the seismograph in 1935. Richter assigned each earthquake a number – from weak (1) to strong (7). The Richter scale is still used today.

An earthquake starts below the earth’s surface – the location of it is called the hypocenter. Directly above the surface of the earth in the exact location is the epicenter.

The largest earthquake is referred to as the main shock, but smaller earthquakes – both foreshocks and aftershocks – often accompany an earthquake. Aftershocks can continue for weeks, months; even years.

ence a “feeling” that an earthquake is about to happen, the experts are clueless as to how or why.

But scientists understand fault lines and the earth’s movement. Here’s what they do know: • During the past three million years, the average rate of motion across the San Andreas Fault Zone is about 2 inches a year, which is the same rate of growth for the human fingernail. If the rate continues at this pace, scientists predict that Los Angeles and San Francisco will be adjacent to one another in about 15 million years. The San Andreas Fault runs along the entire California coast.

THE CRYSTAL BALL

• Each year, there are about 10,000 earthquakes in Southern California.

Most of them are inconsequential and unnoticed.

Scientists and climatologists cannot predict an earthquake, and if it’s true that some animals and humans experi-

Earthquakes...

Continued on Page 3

PALMER DIVIDE

Plumbing, Heating and Electrical

The measured value of an earthquake size is known as the magnitude, which doesn’t vary with the area or shaking movement of the earthquake. The intensity of an earthquake measures the shaking activity.

• Faucet Repair • Frozen Pipes • Toilet Replacement • Sprinklers • Plumbing Leaks • Boiler Repair & Service • Garbage Disposals

On March 11, a big portion of the Pacific Plate, which normally travels west under Japan at 3 inches per year, pushed forward up to 59 feet – the jolt caused the undersea upward, creating the magnitude 9 earthquake and the tsunami.

 

WHY THE GROUND SHAKES

719-472-4447 2

• Dishwasher Replace • Dishwasher Install • Electric Switches • Electric Receptacles • Light Fixtures And many more services!

FREE ESTIMATES NO TRIP CHARGE

Ron Li Butti ELECTRICIAN

When the edges of the faults are stuck

C O U N T S

Strange But True... 4

Q U A L I T Y

C O U N T S

ARTICLES

W H E N

Q U A L I T Y

FEATURE

C O U N T S

Q U A L I T Y

EARTHQUAKES

Q U A L I T Y

W H E N

SNIPPETZ FEELS THE EARTH MOVE:

W H E N

W H E N

THIS WEEK IN SNIPPETZ

Steve Li Butti PLUMBER

719-472-4721

®

SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR

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

We’re Your Shield, We’re Your Shelter!

Michael D. Ahlers

66 Second St. Ste. B P.O. Box 1212 Monument, CO 80132-1212 (719) 481-2550 Cell: (719) 209-4534

www.shelterinsurance.com/michaelahlers Earthquakes...

Continued from Page 2

• The Wasatch Range in Utah, which runs north and south through the state, was produced by a series of earthquakes (as all mountain ranges). The fault on the range is comprised of several segments, and each one is capable of producing up to a magnitude 7.5 earthquake. During the past 6,000 years, there has been a magnitude 6.5plus about once every 350 years on this range.

• Earthquakes can occur in the central area of the U.S. In 1811 and 1812, New Madrid, Mo., experienced three magnitude 7.5 to 7.7 earthquakes.

• Florida and North Dakota experience fewer earthquakes than any other state.

• Alaska is the most earthquake-prone state and extremely seismically active. Alaska experiences a magnitude 7 earthquake almost every year, and a magnitude 8 or greater earthquake on average every 14 years.

• One of the most active plate boundaries, with frequent earthquakes and eruptions, is around the massive Pacific Plate, referred to as the Pacific Ring of Fire. Ninety percent of the world’s earthquakes occur in this area.

• Inside the Antarctica are ice-quakes, which are more frequent in Antarctica than earthquakes. The ice-quakes are small and occur within the ice sheet instead of the land underneath the ice.

• An earthquake can happen in cold, wet and rainy or hot weather. Earthquakes do not produce a variance in weather patterns; thus, weather is never an indicator.

THE BIG ONES

most of the shocks have been centered west of the Rocky Mountain Front Range. But Colorado is considered a region of minor earthquake activity.

Nationwide/ Worldwide The largest earthquake in the U.S. occurred March 28, 1964. The magnitude 9.2 earthquake struck Prince William Sound in Alaska.

The three most recent big earthquakes in the U.S.: • In December 2003, a magnitude 6.5 earthquake happened in San Simeon, Calif. The epicenter was near the Pacific Coast in central California. The earthquake did not rupture the surface, but it caused landslides and shaking.

Two people were killed when a building collapsed in nearby Paso Robles.

• In November 2002, the magnitude 7.9 Denali earthquake shook Alaska, generating numerous landslides and road closures. But structural damage was minimal, and there were few injuries and no deaths.

• In 1994, a magnitude 6.7 earthquake roiled the city of Northridge, located in the San Fernando Valley region in Southern California. The earthquake brought about more than 60 deaths, 5,000 injuries, left 25,000 people homeless; and caused $25 billion in damages.

The largest earthquake in the world was a magnitude 9.5 that ripped into Chile May 22, 1960.

Japan is probably the most seismic of all countries, but because it is larger than Japan, Indonesia has more total earthquakes.

At Home

MORE ON SHAKY GROUND

• Colorado’s largest earthquake was a magnitude 6.6 that shook up Denver and the Front Range on Nov. 7, 1882. It caused damage in Denver, and experts said it was centered near Rocky Mountain National Park. The quake was felt in Salina, Kan., and Salt Lake City.

• The moon has quakes, too. Moonquakes don’t occur as frequently and are usually smaller in magnitude than earthquakes. The moonquakes are related to the tidal stresses associated with varying distances between Earth and the moon.

• The second-largest earthquake jarred Colorado a century later on Nov. 26, 1967. The magnitude 5.2 earthquake caused minor damage in suburban areas northeast of Denver and was felt from the northwest in Laramie, Wyo., east to Goodland, Kan., and south to Pueblo.

• A tsunami and a tidal wave are activities of their own. A tidal wave is caused by the gravitational interactions among the sun, moon and Earth. A tsunami is a sea wave caused by an underwater

• Several minor earthquakes have rattled Colorado throughout the years, and

$

OFF

Residential • Commercial

FREE ESTIMATES

web: www.rtstucco.com email: StuccoOverSiding@yahoo.com

300

ANY COMPLETE STUCCO APPLICATION

Stucco Over Siding

Referral list provided at time of estimate. Not valid with military or senior discounts.To validate, coupon must be presented at time of estimate. New customers only.

STUCCO OVER SIDING STONE WORK

BEFORE

Earthquakes...

Continued on Page 4

FIREPLACES

AFTER

Office: (719) 632-9000 • Rodrigo Terrazas - Owner • Cell: (719) 499-0055

3

SNIPPETZ WEEKLY MAGAZINE ®

Tri-Lakes Center for the Arts Presents

Mile High Holistics

626 Hwy 105 Palmer Lake, CO

Proudly Serving MMJ Patients in Palmer Lake, Monument, Larkspur, Castle Rock, Franktown, Colorado Springs & More!

(Next to the Colorado Lighthouse at Illumination Point)

Mon-Fri 10-7, Sat 10-6, Sun 10-5

MADCAP MYSTERIES DINNER THEATRE

“CORPSE AT THE PALE ROSE” 1920’s Gangster Tale

Friday, May 27

719.487.0901

Pinecrest Catering! We encourage everyone to come dressed in their best Roaring ‘20’s outfits, although that is not required!

What is required is that you come & enjoy a marvelous evening.

6 p.m. - Doors 5:30 p.m. First of 4 Amazing Shows $30.00 or $100.00 for all 4 - Tickets: 719-481-0475

HAVE HEALTH INSURANCE?

Contact the Tri-Lakes Center for the Arts or visit our website at www.trilakesarts.org for more detailed information 719.481.0475 • 304 Hwy 105 • Palmer Lake, CO

Earthquakes...

Continued from Page 3

earthquake or landslide – normally triggered by an earthquake but not always – which displaces the water.

• Earthquakes typically last about 10 to 30 seconds.

• Contrary to popular belief, the ground does not open up and swallow people in the event of an earth-

NOW WOULD BE THE RIGHT TIME!

Black Forest Insurance

quake. Cracks in the ground can form in relation to landslides or ground slumping, but open fissures are gaps that people can stand in.

• The safest place to be when an earthquake occurs is an open field.

Earthquakes do not kill or injure – falling debris from collapsed buildings is the culprit. If indoors, take cover under a table or sturdy furniture. Do not run out of the building.

• Connoisseurs of frog legs claim that you should leave the toes on when frying -- they’re good for picking your teeth after eating.

By Samantha Weaver

719 • 243 • 4817

• It was British author Douglas Adams, best known for his “Hitchhiker’s Guide to the Galaxy” novels, who made the following sage observation: “Anyone who is capable of getting themselves made President should on no account be allowed to do the job.”

Serving Tri-Lakes and surrounding areas with highly professional and custom tile installation. We look forward to working with you to add extra value to your home or business with beautiful affordable custom tile work.

COMMERCIAL • RESIDENTIAL

Ceramic

Complete Shower Remodels

Porcelain Natural Stone

Custom Kitchen Backsplashes

Countertops Floors

$

250 OFF

ANY COMPLETE SHOWER REMODEL

Coupon applicable for installs over $1,500.00 Materials not included - labor only / Expires 01/31/11

$

• At any given time, about two-thirds of the earth’s surface is covered by clouds.

***

Custom Shower Pans

Walls

• The deepest hole ever drilled by humans reached a whopping depth of 7.62 miles. The project, known as the Kola Superdeep Borehole, was undertaken in Russia for the purpose of scientific research.

• American author, abolitionist, naturalist, historian and philosopher Henry David Thoreau died on May 6, 1862, of complications of tuberculosis. Those who were with him • In the African nation of Sudan, a during his final moments say his last traditional wedding includes a cer- words were “moose” and “Indian.” emony known as “sungkem,” in which the bride and groom kiss the • The tiny nation of San Marino, which is entirely encircled by Itaknees of their parents. ly, is the world’s oldest surviving • “Casablanca,” starring Humphrey sovereign state and constitutional Bogart and Ingrid Bergman, is one republic. It was founded by a stonecutter in the year 301, and the constitution was enacted in 1600 -- the world’s oldest still in effect.

PROFESSIONAL SERVICES Repairs

jvairin@msn.com

near the top of lists of the best films ever made. However, shortly after its release in November 1942, The New Yorker rated it only “pretty tolerable.”

JUSTIN PALMER 481 Hwy 105 • Ste B - 188 Monument CO 80132 Visit us at: trilakestile.com jp@trilakestile.com

Remodels

Joan Vairin 719-495-3984

Thought for the Day: “There’s no secret about success.

Did you ever know a successful man who didn’t tell you about it?”

-- Kin Hubbard

100 OFF

KITCHEN BACKSPLASH INSTALL

of the most beloved movies of all time, frequently being listed at or

Coupon applicable for installs over $500.00 Materials not included - labor only / Expires 01/31/11

4

(c) 2011 King Features Synd., Inc.

SNIPPETZ : THE LOCAL SCOOP ®

t n e a d h F c l n o E rist e h

EMPOWERMENT THROUGH HEALING, LLC Medium/Clairvoyant/Tai Yi Energy - Tami Urbanek

T719-488-1116

Under mental, emotional, or physical stress? Low immune system? Anxiety? Depression? Lack of focus?

& Cotta ge Treasures

Tai Yi means Supreme Movement and is an ancient form of Chinese energy work that is similar to acupuncture and can assist in many ailments.

Your Home Town Florist...

719-641-2017

Located In the Same Convenient & Original Monument Plaza Location...

Making New Choices to Create a New Reality

481 HWY 105 #I

FREE 30 MINUTE CONSULTATION WITH SESSION

Monument CO 80132

Behind “Rosie’s DINER” & Taco Bell

turbanek1@msn.com • www.empowermentthroughhealing.com • Monument, CO

Dedicated Full Service Florist

NO ANTIBIOTICS OR HORMONES, USDA INSPECTED, LEAN & FLAVORFUL Your resource for superior local beef Whole, half and quarter sides available

In Life Energy Flow Tai Yi, Lost Love is a treatment that can work with understanding love, its abilities, its capacities, and its importance. When a person carries a false belief, conscious or subconscious, that love is controlling and painful, that person will push away love at the same time saying he or she desires love. A key symptom is a person who sabotages relationship after relationship. A person who does that does not understand real love and is fearful of love. The treatment will assist the person in opening up to love, understanding real love and understand how the sabotage works in order to stop it.

Kyrsten Jenkins

719-243-3624

TRI-LAKES TRI-LAKES

HEALTH ADVOCACY PARTNERSHIP

HEALTH ADVOCACY PARTNERSHIP

Thrift Store

s e B u q o i t o n ks Vintage Items A

The practitioner will work with the individual to offer steps in understanding what will occur after the treatment.

Tami Urbanek

Open Monday-Saturday, 10-4

A wide variety of non-clothing items.

Listen to Empowerment Through Healing Internet radio show on LA Talk Radio at 3pm Mountain time as I interview Laura Magdalena Eisenhower on May 25th!

Call 488-3495 to donate your garage sale leftovers.

Donations are tax-deductable.

to La Palm ke er

Have some free time and want to make new friends? Become a Thrift Store volunteer. Join a great group of folks.

Call 488-3495 today!

Custom Color & Hair Design

By Emily

Thrift Store 790 D Hwy 105

Hw 10 y 5

Ln

If everyone loved themselves completely, violence would not occur.

People who display acts of violence do not carry real love for self. Abuse would not occur. Sickness would even not occur, because when one loves him or herself in totality, the mind and body

SCOTTISH HIGHLAND BEEF

er

Many people fear love because they assume it is controlling. It is true, that many people use the word ‘love’ to control, but it does not make true love controlling. Before one can truly love another, he or she needs to understand what it means to love self. That is a concept that is not widely taught.

In general, people are taught to love something outside of self, and then if there is time, love for self might occur.

Actually, love for self must occur first, then it branches out from there.

Loving of self is vital to any type of healing work, whether it is physical, mental, or emotional healing. Many individuals struggle with healing and say, “it is too difficult” or “I am too tired”. Actually, those individuals do not struggle with healing; they struggle with resistance. Many times the resistance comes from a fear of healing and a fear of loving self. Though, that fear may be subconscious. When a person carries no or very little resistance, healing issues is quite simple.

nti

W

hen people think about the concept of love, they typically think of loving other people. Most people are not familiar with the actual definition of love. Real love goes beyond human emotion. It is neither controlling, ridiculing, angry, or condemning. It is an energy that is solely based on compassion, tenderness, and understanding. It is a vibration that can be felt on such a deep level, that many people do not recognize it nor honor it. Instead, they fear it due to old beliefs that are incorrect.

w w w. e n c h a n t e d f l o r i s t c o . c o m

Peakview Blvd to M

Fro

LOVING YOURSELF

“Mother’s Day” May 8th

$5.00 Off Any In-Store Min. Purchase of $25.00 Thru May 31st ..... Excludes all wire service .....

ea Ln dow

TAI YI:

are aligned. When the mind and body are aligned, everything comes into balance, and sickness only occurs when one is out of balance. Dis-ease is a very appropriate word when speaking of out of balance or out of alignment.

M

LIFE ENERGY FLOW

Delivering to all Tri-Lakes Areas, North El Paso & South Douglas Counties Your One Stop Direct Provider For...

FTD teleflora BloomNet

on

PINZ Bowling

um

en

t

All proceeds support Tri-Lakes HAP Senior Programs.

NOW ENROLLING - LEARNING THROUGH PLAY COME JOIN MISS YVONNE FOR FUN AND LEARNING

Monumental Styles & Co.

719.487.8660

• State Licensed • Conveniently Located near I-25

• Infant Toddler • Pre-School

Receive 10% off any service (mention this ad)

• Before and After School

1445 Cipriani Loop Monument (Highway 105 & Knollwood)

14450 Perry Park Rd. Larkspur, CO 80118

• Close to Larkspur Bus Stop • Within one mile of Palmer Lake

Yvonne Shaw • 719-481-0454 • ymshaw1@aol.com

5

SNIPPETZ : THE LOCAL SCOOP ®

Article by Robyn Graham Broker / Owner

Real Estate Investment Tips for Beginners Take it from someone who has done Real Estate Investing, Fix-and-Flips, and owed Rental Properties.....you will lose your shorts if you don’t know what you’re doing!

Right now, with interest rates steady, lots of homes on the market, and gobs of renters flooding the market, many people are considering investing in rental properties.

!

TED

LIS UST

J

You may be able to earn a good sum of money in real estate investing, but it's vital to know what you're doing before you put your money down on a property.

When you first start out, the risk of investing in a real estate property is much greater. Before you call your lender and your Realtor to buy that first property, here are some tips to get you started.

Luxury Home with Breathtaking Adorable and Affordable Views for only $450,000 Easy Xeriscape and Stucco 750 Bowstring Rd, So. Woodmoor 786 Century Lane $229,900 5 Bedrm, 5 Bath, 3 Car 5599 Sq Ft le rt Sa

Sho

• Educate Yourself You may know the basics, but this is a major investment. You definitely want to know what you're doing. There are lots of books, websites and seminars that will give you a wide range of real estate knowledge. Be cautious of seminars that charge you $800 - $1500! I fell for that one!

Those types of seminars give you a lot of hype, unrealistic statistics and usually just want you to sign up for more classes. You may actually be able to inexpensively purchase real estate investment books and materials through Amazon from other people who have taken the expensive seminars. Check your local websites, newspapers and mag

3 Bedrm, 3 Bath, 2 Car 1650 Sq Ft

!

VED

RO APP

Beautiful 5 Acre Ranch Beautiful Home in Gleneagle 25 x 25 Heated Workshop Short Sale isalready APPROVED! 14126 Petrel Dr. $249,900 20070 Thunder Rd E. $314,000 5 Bedrm, 4 Bath, 3 Car 3108 Sq Ft

3 Bedrm, 3 Bath, 2 Car 1813 Sq Ft

FOR MLS Info and Virtual Tours:

www.MyListingsOnline.com

For Sale in Tri-Lakes:

www.TriLakesMLS.info

Foreclosures, Short Sales, Etc.:

www.TriLakesShortSale.com

LEASE: Log Home overlooking Pond and Mtns! Woodmoor $2500 mo

azines for people who are doing speaking appearances. There are a lot of factors that most people don't think about. Making one mistake, like forgetting to factor in the right amount of rehab costs, or rental vacancy rates, can take you from a profitable investment to a disaster very quickly.

• Build Contacts Real estate investing isn't the best thing to do alone, especially when you first started out. If you attend a seminar, build up your relationship with people there.

Contacts in the real estate field are invaluable. They can help you find properties, get better loans, help you with remodeling, and help you sell the property. It might also be a good idea to get a partner for your first investment. In addition to gaining the benefits of their experience, you'll also be risking less money. Talk to friends and family who have done real estate investing in the past.

• Define Your Goals Are you planning to rent out your property, or will you fix and flip it?

How much money do you have for renovating? You'll find having an investment plan clearly defined will bring you greater comfort.

• Study Your Market When it comes time to purchase a property, study the property values in your area and the mortgage rates. By learning all about the market, you can gauge how much of a return you can expect, and determine which property is a worth while investment.

Robyn Graham

Find All Past Articles: www.SpringsRealtyTalk.com or my Eco-Friendly Articles: www.GreenColorado.info

719-216-4421

For further information, please feel free to call Robyn Graham at Millhouse Real Estate 719-216-4421 or email Robyn@MillhouseRealty.com

Robyn@MillhouseRealty.com www.MillhouseRealty.com

6

SNIPPETZ WEEKLY MAGAZINE ®

HayCo

L.L.C.

For All Your Hay & Straw Needs!

Sm. Squares • Lg. Squares • Rounds Alfalfa • Grass • Mixed • Straw Specializing in Excellent Quality Horse Hay We Deliver

719-339-3525 Medicare and You!

Understanding the changes that are affecting you this year is our specialty.

We compare all the major companies to match your situation and benefits.

Medicare Supplements versus Medicare Advantage Plans. Which is best?

Prescription Drug Plans

Not all plans are equal. We provide the most cost effective plan analysis and know the important timelines to meet! We understand how to coordinate your options “Our satisfied ‘Senior’ clientele know they are treated like a client and not a number. We keep you informed when a change affects you each year!

We know what questions are important to our clients.”

Mountain Range Insurance Advisors Serving all four corners of Colorado Plaza of the Rockies 121 S. Tejon Ste 1107 Colorado Springs, CO. 80903 Cottonwood Crossings 6745 Rangewood Ste 107 Colorado Springs, CO. 80918 Office (719) 381-1714 Toll Free (888) 270-9580 License No. 147052 Contracted with most major carriers to serve you.

Call 888-270-9580 for a free consultation!

www.MtnRangeInsuranceAdvisors.com

Terry W. Thomason Owner

Annuities . Life Insurance . Long Term Care . Medicare . Tax Services

Need to sell your house fast? We can help!

We provide simple solutions

Why Choose HomeSource?

No cost property evaluation for our customers Close quickly on your schedule You are in control and not at the whim of a realtor We’ll make you a fair offer and we pay CASH We purchase homes as-is Simple, caring, fast

$3000

toward closing costs.

Call Today or keep this coupon with your important Real Estate papers

328-0300

We are a local office www.homesourcepartners.net

TRI-LAKES CENTER FOR THE ARTS IS PLEASED TO ANNOUNCE DR MICHAEL L. MADDOX HAS BEEN NAMED EXECUTIVE DIRECTOR

D I S T R E S S E D P R O P E RT I E S R E PA I R P R O B L E M S D E C L I N I N G VA L U E

I N H E R I T E D P R O P E RT I E S D O W N S I Z I N G S H O RT S A L E P R O B AT E

RETIREMENT RELOCATING FORECLOSURE

M

ichael has served as Interim Executive Director for the past six months, and after a comprehensive search by the Board of Directors, he has been engaged as the permanent director.

Maddox, who for decades has always been involved in the arts in one form or another, brings a lot of experience to the position. debi Story Maddox, his wife of 41 years, is a prolific oil painter whose paintings have been displayed in galleries and museums throughout the U.S. He and debi have also authored five books, including two poetry publications.

As an event coordinator, Michael organized and promoted major events at major venues, including Madison Square Garden, the Washington Monument, and the Shrine Auditorium in Los Angeles.

He has also organized and promoted stadium events in foreign nations.

For 14 years, Maddox and his wife served as directors of Project Peace on Earth, a nonprofit artists retreat near Dallas, TX. While there, they organized and hosted major music and arts festivals, many of which were 3 – 5 days in length and featured more than 100 musical groups.

He also booked many bands at Dallas venues. At the Starplex Amphitheatre, Maddox booked opening acts and side

REFERRALS ALWAYS APPRECIATED

7

stages for touring groups such as James Taylor; Emerson, Lake, & Palmer; Tom Petty; Dan Fogelberg; Crosby, Stills, & Nash; and the Benson & Hedges Blues Festival, just to name a few.

Last year, Maddox’s Asylum Moon Agency, helped organize the first ever Concert on the Lawn at the Fine Arts Center in Colorado Springs. The concert featured legendary folk singer Arlo Guthrie.

Michael also hosted a popular Colorado Springs radio program. His interview guests included John Tesh; Olivia Newton-John; Don Brewer (Grand Funk Railroad); Dan Peek (America); Carl Palmer (Emerson, Lake, & Palmer); Tina Wesson (2nd year winner of CBS-TV’s “Survivor” program); and Dallas Jenkins (Jenkins Entertainment, producer of Hallmark TV films).

Maddox was presented a Telly Award as Executive Producer of an award-winning television special broadcast in major markets. He has also been an interview guest on various radio and television programs.

The TLCA will continue to showcase local and national artists and sculptors, book talented musicians and bands, and schedule high-quality theatrical and comedy presentations.

QUALITY GOODS & SERVICES Double

SANTA FE TRAIL JEWELRY

J

DOG

Boarding Kennel

SAFE • CLEAN • SECURE

````````` 125 2nd St. in Historic Downtown Monument

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 Judi & Jeff Havens - Owners 6470 Walker Road • Colorado Springs

719-481-0250 Hours ~ Mon 1-5 ~ Tues.-Sat.10-5

Black Forest Rd.

Hwy. 105

Double J

✪ Thompson Rd.

Are you looking for jewelry that is an expression of who you are?

Come in today and discover designs that true artisans have created just for you!

Owners on Site - 24 Hour Supervision

Hwy. 83

~~~~~~~~~

County Line Rd.

By Appointment: 495-1774

THE PLACE FOR GREAT BIRTHDAY GIFTS FREE Gift Wrapping

MONUMENT’S 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”

A CUT ABOVE DRYWALL When You Want It Done Right...

The First Time!

Drywall Patches, Repair and Texturing

• No Job Too Small • Free Estimates • Reasonable Rates • 25 Years of Experience Call Mark Today!

Home: 719-481-0509 Cell: 719-237-9277

TRI-LAKES & GLENEAGLE WELCOMING Barbara Oakley 719-488-2119 PO Box 863 Monument, CO 80132

Once you’ve tried our service, you’ll know why we’re called CUSTOMER’S CHOICE Call today for a FREE quote 487-9713 or 351-7476

PLEASE SUPPORT OUR ADVERTISERS - THEY MAKE SNIPPETZ® POSSIBLE!

MOMENTS IN TIME THE HISTORY CHANNEL

• On May 23, 1701, at London’s Execution Dock, British privateer William Kidd, popularly known as Captain Kidd, is hanged for five charges of piracy and one charge of murdering a crewman. A colorful Kidd legend included reports of lost buried treasure that fortune seekers have pursued for centuries.

• On May 24, 1883, after 14 years and 27 deaths while being constructed, the Brooklyn Bridge in New York is opened, the largest suspension bridge ever built to that date.

• On May 27, 1894, Dashiell Hammett, author of “The Maltese Falcon,” is born in Maryland. He worked as a Pinkerton detective for eight years and turned his experiences into fiction. The novel was filmed three times: once in 1931; again in 1936 under the title “Satan Met a Lady,” starring Bette Davis; and finally in 1941, starring Humphrey Bogart.

• On May 26, 1927, the final and 15 millionth Model T Ford rolls out of the fac-

tory, on the official last day of production.

Introduced in October 1908, the Model T -also known as the “Tin Lizzie” -- got about 13 to 21 miles per gallon of gasoline and could travel up to 45 mph.

• On May 29, 1953, Edmund Hillary of New Zealand and Tenzing Norgay, a Sherpa of Nepal, become the first explorers to reach the summit of Mount Everest, the highest point on earth. At 29,035 feet above sea level, the low-oxygen summit of Everest reaches two-thirds of the way through the air of earth’s atmosphere -- at about the cruising altitude of jet airliners.

• On May 25, 1977, George Lucas’ blockbuster movie “Star Wars” opens in American theaters. With its groundbreaking special effects, “Star Wars” was soon a bona-fide pop culture phenomenon, spawning five more feature films, five TV series and an entire industry’s worth of comic books, toys and video games.

• On May 28, 1983, Irene Cara’s song “Flashdance (What a Feeling)”, from the “Flashdance” movie soundtrack, goes to the top of the U.S. pop charts. The song helped propel the relatively low-budget film to the No. 3 spot on the total box-office revenue list for the year.

RetrospectDryGoods.com

(c) 2011 King Features Synd., Inc.

8

ÂŽ

SNIPPETZ : THE LOCAL SCOOP

REJUVENATE!

SNIPPETZÂŽ CLASSIFIED 6 LINES Only $5 A Week (minimum 5 weeks)

Call: 719-487-0484 ÂŽ

Snippetz Classified ads will run a minimum of five consecutive weeks unless otherwise arranged.

Classified ads must be received no later than Wednesday before 12:00 pm in order to appear in the following week’s issue. We reserve the right to refuse or edit ads for any reason deemed necessary.

Ads must be submitted

by E-mail or U.S. Mail E-mail: snippetz01@gmail.com or

SILKY, SOFT, AND SMOOTH SKIN FOR SPRING: HERBAL SCRUBS FOR YOUR BODY TO REMOVE YOUR DRY/SCALY WINTER SKIN

And re-introducing the GOLD REWARDS CARD:

Microdermabrasion for your face to speed up collagen & elastin formation

Funder Enlightening, Inc.

For every $50 spent on skin-hair-nails and bath & body creams & lotions, receive I E stamp. Collect 5 and receive a

$10.00 OFF regular price

PO Box 789 Monument, CO 80132 Visa / Mastercard / Check

FREE FACIAL

SERVICES

283 Washington St. Monument, CO 80132

TIME OR MONEY TIGHT? Spring Yard & Garden Maintainence and Cleanup. Experienced, mature professional.

Reasonable Rates!

We’re local: 303-507-5725

(719) 488-9203

HELP WANTED PET GROOMING

EXPERIENCED NAIL TECH AND HAIR STYLIST WANTED

PARK N BARK MOBILE GROOMING

We Come To You! Experienced, professional and caring groomers. Less stress and hassle for you and your pet.

Cage free, one on one grooming.

No contact with unfamiliar pets.

Full or part time. Call Maria at Expectations Salon & Day Spa, in Historic Downtown Monument.

EXPERIENCED COOKS AND SERVERS NEEDED for busy locally owned restaurants in the North Colorado Springs and Monument area. Please email resume to : jen@coffeecupmonument.net

YOUR COMMUNITY ACCOUNTANTS

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

DETECTING ALZHEIMER’S IN EARLIEST STAGE

OFFICE RENTAL SPACE AVAILABLE! Call for details, shown by app.

719-487-5971 urban7777@earthlink.net

R

esearchers are moving ahead in their quest for a treatment for Alzheimer’s disease. For the first time since 1984, they’ve come out with a new set of guidelines.

HORSE BOARDING

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

HOURS:

The new guidelines allow for a diagnosis much earlier, before there are even symptoms, when treatment might still be effective. The earlier diagnoses can make use of physical changes (biomarkers) seen in brain scans, spinal fluids and blood proteins.

FURNISHED ROOM FOR RENT

MONUMENT HILL CHURCH

ACCOUNTANTS

TIKI TANS

doesn’t always become Alzheimer’s.

FOR RENT

(719) 488-9203

970-397-3702

PART TIME KENNEL HELP German Shepherd Breeder 10-15 Hours Weekly $10.00 Hourly (303) 660-9000

FAMILY STYLE HORSE BOARDING Space for one or two horses on 12 acre family horse property west of Monument.

Barn, tack room, corral, arena, pasture and grass hay. Trailer parking OK. $200 summer, $300 winter.

Call Rick on 481-6660

It used to be that there was no diagnosis of Alzheimer’s until the patient experienced complete dementia. Two years ago, researchers from around the world came together to pool all their information and to rethink how they’ve approached the care of those with Alzheimer’s, as well as learn new ways to diagnose it sooner.

COME MEET THE NEW OWNERS! 5 Tanning Beds 1 Stand Up 1 Powerwave Massager

BRING IN THIS AD AND GET

From those efforts, researchers have been able to identify three specific stages of the disease: preclinical (brain changes that can show up as much as 10 years in advance), mild cognitive impairment (some mental declines that the patient and others can notice) and Alzheimer’s dementia. Mild cognitive impairment

10% OFF

New Customers Only

M-F 9:30AM-7:00PM Sat 10:00AM-4:00PM Shop: 481-9868 • Cell: 640-0737 Appointments after hours Available!

Monument Plaza • 481 Hwy 105 #210 • Monument, CO 80132

AUTO SALES

h9OUR (OMETOWN !UTO $EALERv

V #/-0%4)4)6% 02)#).'

V &ULL #OVERAGE 7ARRANTIES V &AMILY /WNED /PERATED

(WY -ONUMENT #/ 6IEW )NVENTORY AT WWW MONUMENTMOTORS COM

We specialize in used, 7E SPECIALIZE IN reconditioned and current model USED RECONDITIONED

SUBARUS!

Expectations...

It’s All About You!

AUTO REPAIR

LUBE, OIL AND FILTER CHANGE SPECIAL GOOD ON MOST VEHICLES EXCLUDING DIESEL

$7.00 OFF ANY

OIL CHANGE

WITH THIS COUPON

MONUMENT • SAFEWAY CENTER • 488-2299

9

This doesn’t mean they’ve found a cure for Alzheimer’s, but it does mean that researchers can use the new information to help find a cure, or at least a treatment. At this point, researchers will focus, in clinical trials, on the “preclinical� biomarkers to try to determine which are specific to the development of Alzheimer’s and how they change.

By learning just how early the first steps of Alzheimer’s show up, researchers can develop drugs that will slow the progress of the disease at a much earlier point.

For more information on Alzheimer’s disease and a close look at the new guidelines, go to the Alzheimer’s Association website at www.alz.org or call them at 800-272-3900.

Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible. Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail. com. (c) 2011 King Features Synd., Inc.

AUTO REPAIR

Quality Import Service 719.488.6729 707 County Line Rd. Palmer Lake, CO

Specializing in SUBARU Repairs

SNIPPETZ® HEALTH AND WELLNESS

Bonnie B. Baswell, M.D. Eric L. Caplan, M.D. Lisa Brownworth, N.P.

Specialized Adult and Pediatric Allergy and Asthma Care Now in Monument

came clogged with bacteria and pieces of hard stool. The diverticula swelled.

For mild symptoms, people can be treated at home by going on a liquid diet and taking antibiotics. For more severe involvement, people are hospitalized and fed intravenously and given intravenous antibiotics.

DIVERTICULOSIS COMMON WITH AGE DEAR DR. DONOHUE: Will you write about diverticulosis? I was twice hospitalized for it and had to stay there 12 days in all. When I left, they didn’t give me any diet or medicines. I saw my primary doctor later, who didn’t think I had diverticulosis because they didn’t do much for me. Some tell me that you don’t have to stay on a diet or take medicine. Is that so? -- N.F. ANSWER: A diverticulum is a tiny pouch formed by the colon lining that has been pushed through the muscular colon wall. Its size varies from 0.2 to 0.4 inches (5 to 10 mm) in diameter, about the size of a small pea. Diverticulosis indicates that the colon has sprouted many diverticula. It’s most often silent. Close to one-third of adults at 60 years of age have it. By age 80, two-thirds have it.

Diverticulosis is found in countries where grains are refined. Refined grains have lost their outer coat, the bran.

Bran was, at one time, the principal source of fiber. Fiber keeps stool soft and easily pushed through the digestive tract. With too little fiber, the colon has to exert great force to move undigested food along. That force is responsible for pushing the colon lining through the colon wall to form a diverticulum on its outer surface.

When you were hospitalized, you had diverticulitis -- inflammation of diverticulum. The neck of diverticula be-

Now that your diverticulitis has calmed down, the only diet you need follow is one with plenty of fiber -- 30 to 35 grams a day. Fruits, vegetables and whole grains are fiber sources. Many cereals are filled with fiber: Fiber One, All-Bran, Shredded Wheat and cooked oatmeal are examples. You do not have to take any medicines.

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

The booklet on diverticulosis covers this topic in detail. Readers can obtain a copy by writing: Dr. Donohue -No. 502W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order (no cash) for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please allow four weeks for delivery. *** DEAR DR. DONOHUE: I will turn 65 shortly. My health is just fine. I am out and active. I do odd jobs like construction and hauling. Some friends want me to see a doctor just for a physical because I haven’t been to one in 35 years. Why should I? All is OK with me. Is it true that 80 percent of men don’t go to doctors? -- C.F. ANSWER: You’re getting on in years.

Bad things happen with aging. You don’t want to be surprised by a heart attack, a stroke or a cancer that has grown so big that it can’t be treated, do you? Those are some of the reasons you should see a doctor. I like your fighting spirit.

I don’t believe that 80 percent of men never see a doctor.

(c) 2011 North America Synd., Inc. All Rights Reserved

10

www.csallergy.com 550 Highway 105 Monument, CO 80132 Wednesday Afternoons

 A mother's love is instinctual, unconditional, and forever.

  Buy a  of  and  GIFT CERTIFICATES: PKG of

5

PKG of

10

1/2 hr :

$160 (save $40.00)

$300 (save $100.00)

1 hr :

$275 (save $50.00)

$520 (save $130.00)

*** 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.

719-592-1365

Healing Touch Therapeutic Massage 212 N. Washington St., Suite A, Chapala Building in Monument

Robyn Graham,

RMT

719-216-4421

Email: Robyn@HealingTouch-MassageTherapy.com Website: www.HealingTouch-MassageTherapy.com

SNIPPETZ

®

WEEKLY MAGAZINE

Help Support the Palmer Lake

Rocket’s Red Glare Fundraiser

JOIN OUR FIREWORKS EXTRAVAGANZA at Pinz Bowling Center on June 4th!

THE FUN begins at 11:00 am to 1:00 am

Activities include:

*Garden tractor pull (Bring your garden tractor) *Lots of kids Activities *Bowling *Live Music *Native American Dancing *Barbeque *Silent auction *Car show *Live auction *and so much more…

For Information call: Al @ 719Ǧ440Ǧ1105 or Pinz @ 719Ǧ487Ǧ7469

ONCE YOU’VE TRIED OUR SERVICE, YOU’LL KNOW WHY WE’RE CALLED CUSTOMER’S CHOICE! WE ALSO PROVIDE SERVICES FOR:

Remember, your donations help make our 4th of July The Biggest Small Town Fireworks in America!

Move-Outs Construction Cleanup Home Sale Prep

Licensed, Bonded and Insured Call today for a

FREE quote

487-9713 or 351-7476

11

SNIPPETZ

®

DINING GUIDE Live Music Every Tuesday and Saturday

Family Owned and Operated

Another Pint American Ale House

75 Hwy 105 Palmer Lake 719-481-2222 www.lazingarapalmerlake.com

@

13860 Gleneagle Drive 6:30 am - till at least 9 pm, 7 days a week! www.asecondcup.net (719) 481-6446

PLANNING A GRADUATION PARTY?

DON’T DELAY... MAKE YOUR RESERVATIONS NOW!!

$2.99 Burger at Both Locations!

WE WILL BE OPEN TUESDAY - MAY 24TH TO BETTER SERVE FRIENDS AND FAMILY OF THE 2011 AIR FORCE ACADEMY GRADUATES!

$0.98 PBR Pints On Wednesdays!

Catch all your MLB Games Here!

33 Micro Brews On Draft! $2.99 Breakfast at Both Locations!

CALL NOW TO MAKE YOUR RESERVATIONS FOR GRADUATION WEEK

Dinner for 2 for $22 Offer good 4:30pm to 6:00pm for Dine-In Only on Monday, Wednesday & Thursday. Can not be used in combination with any other coupon or discounts

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

OPEN 4:30PM - 9:00PM • CLOSED TUESDAY

Casual Dining - Family Atmosphere

AVAILABLE FOR PRIVATE PARTIES, WEDDING, REHEARSAL DINNERS AND OFFSITE CATERING

Come in and try our new line of signature burgers!

HAPPY HOUR Daily 2 - 5:30 pm

www.eatatrosies.com

PATIO NOW OPEN!

2ND LOCATION OPENING THIS SUMMER! SHOPS AT VOYAGER

30 MINUTE CALL AHEAD SEATING!

481-1234

11550 Ridgeline Dr. Colorado Springs, CO 80921 (1/4 mile north of New Life Church) (Corner of Voyager and Ridgeline Dr.)

230 Front Street • Monument, CO www/lacasafiesta.net BUY ONE LUNCH OR DINNER ENTREE

SERVING Breakfast • Lunch • Dinner

GET ONE HALF PRICE!

411 Hwy. 105 • Monument, CO 80132

Valid anytime Monday through Thursday Please present coupon at time of order. One coupon per table only!

Exp. 6/2/11 Snippetz

(719) 481-3287

12

SNIPPETZ DINING GUIDE ÂŽ

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

Try Our Specials

Tuesday through Thursday!

Tuesday - Friday 5 - 9 pm Saturday 11:30 am - 9 pm

FIRE UP THE GRILL!

A

s the days get warmer and the holidays (and relatives) descend upon us, it’s time to grill outdoors.

Take time to properly prepare your grill before using it. Here are some tips that will ensure that your grill is clean, safe and ready to use: • If you haven’t used your grill in a while, give it a good spring cleaning. Scour the grate with a wire brush. Save future cleaning time by using a nonstick cooking spray to prevent food from sticking to the grill. • Keep safety in mind. Place your grill in a well-ventilated, level area and away from overhangs, deck railings and shrubs. Use long-handled tongs and ame-retardant mitts to protect your hands. • Preheat your grill. You can estimate the approximate temperature by counting how many seconds you can hold your hands 4 inches above the coals. If you can hold your hands in place for four seconds, your grill is at medium heat or

4 Hwy. 105 • Palmer Lake

719-481-3244

website: http://www.bellapanini.com

Serving Anne & Mann’s Gourmet Ice Cream

about 300 to 350 F. If you can hold your hands in place for less than two seconds, you have a hot grill at about 375 F. • Be sure to bring a clean plate and clean utensils to the grill to collect the food. If you use the same plate that held the raw meat, you could be adding some unwanted “secret ingredientsâ€? to your meal. Salmonella, E. coli and other bacteria are unwanted guests at your party and often are spread by cross contamination. • Use a food thermometer every time you grill. Don’t trust color as an indicator of doneness. According to a study conducted by the U.S. Department of Agriculture, one out of every four burgers turns brown before reaching a safe internal temperature. Insert the thermometer in the thickest part of the meat, away from fat and bone. Clean your food thermometer well after use because a dirty thermom-

24 Hwy. 105 in Palmer Lake

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

OPEN TUESDAY THROUGH SUNDAY 11:00AM - 8:30PM Rock House Ice Cream

eter can cross-contaminate other foods.

FOR SAFETY, COOK TO THESE SAFE MINIMUM INTERNAL TEMPERATURES RECOMMENDED

BY THE USDA: Chicken breast: 165o F Hamburgers: 160o F Steak (medium rare): 145o F Pork: 160o F

TO CELEBRATE THE USAFA GRADUATIONS WE OFFER

15% off for all cadets and their families during the month of may

GRADUATION GROUPS OF 7 OR MORE PLEASE CONTACT US FOR ADDITIONAL CONSIDERATIONS

Casual Elegant Dining

Meat, poultry and fish aren’t the only foods that can be grilled. Try grilled fruit or grilled vegetables, whether directly on the grill or in a foil packet. This recipe for Grilled Apple Cake dessert can be prepared in a foil packet on the grill and served over slices of store-bought pound cake. So fire up the grill and enjoy!

(Tips courtesy of Julie Garden-Robinson, Ph.D., L.R.D., North Dakota State University Extension Service)

GRILLED APPLE CAKE

25 Highway 105, Palmer Lake

For reservations, visit our website at www.folieadeuxdining.com or call 719-481-4780

1. In a small bowl, mix together butter, lemon juice, cinnamon and brown sugar.

Place sliced apples on a large piece of heavy-duty aluminum foil. Top with butter mixture. Fold edges of foil to seal. Grill on low to medium heat for 20 to 30 minutes until tender.

2. Brush pound cake with butter on one side. Place the buttered side down on the grill for 2 to 3 minutes to warm and create grill marks. Place a slice of the cake, grill marked side up, on individual serving plates. Spoon the apples and any juice over the pound cake. Top with a tablespoon of whipped cream. Serve warm. Makes 6 to 8 servings.

Formerly B&E Filling Station Restaurant

Breakfast Saturday and Sunday 8am-1pm

2 tablespoons brown sugar 1 small loaf-style pound cake, sliced into 6 to 8 pieces Whipped cream for topping

You can reduce grilling time by starting the cooking process inside. For example, you can use a microwave oven to thaw meat and partially cook it, as long as the food is placed on a preheated grill immediately.

Don’t reuse marinade. If you use a marinade to tenderize or add flavor to foods, reserve some of the marinade that didn’t touch the meat in a separate bowl to use as a dipping sauce.

481-4780

Dinner Tuesday – Saturday 5-9 pm / Sunday 4-8 pm

488-6917

3 cups peeled and sliced apple, or 2 (20 ounce) cans sliced apples 1/2 cup butter, melted, divided 1 tablespoon lemon juice 1/2 teaspoon ground cinnamon

13

*** 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. Medearis is an awardwinning children’s author, culinary historian and the author of seven cookbooks, including “The New African-American Kitchen� and her new cookbook, “The Kitchen Diva Cooks!� Visit her website at www.divapro.com. (c) 2011 King Features Synd., Inc.

SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

Sports Quiz

By Marge Svenson

1. GOVERNMENT: What do FICA taxes pay for?

2. LANGUAGE: What is a wunderkind?

3. HISTORY: To what royal house did England’s King Henry VIII belong?

4. U.S. STATES: What is Hawaii’s state flower?

5. ANATOMY: In what part of the body is the sternum located?

6. MEASUREMENTS: On what type of scale are wind forces measured?

7. ROYAL TITLES: How should one address a duke in greeting?

8. GEOGRAPHY: What U.S. city is known as the “City of Brotherly Love”?

9. LITERATURE: What is doggerel?

10. MEDICINE: Who is credited with discovering the polio vaccine?

By Chris Richcreek

1. Who is the only major-league player to catch two perfect games?

2. Name the two players other than Jose Canseco and Mark McGwire to hit 40-plus homers in a season for the Oakland Athletics.

3. How many national titles has the University of Miami, Fla., football team won?

4. Who holds the New Orleans Hornets franchise record for most career coaching wins?

5. The Philadelphia Flyers lost 8-7 to Tampa Bay in an NHL game in 2010. Against what other team in franchise history did the Flyers lose despite scoring seven goals?

6. Name the last Alaskan Native champion of the Iditarod Trail Sled Dog Race before John Baker in 2011.

7. Who was the last American golfer to be named LPGA Player of the Year?

(c) 2011 King Features Synd., Inc.

(c) 2011 King Features Synd., Inc.

1. What was The Ealing Club, and why was it famous?

2. Which group “Blitzkrieg Bop”?

released

3. Which artist penned a book entitled “In His Own Write,” and when?

4. Name the group Joan Jett started long before The Blackhearts.

5. Who released “Never Gonna Give You Up” and when?

6. What do “One Fine Day,” “Sh-Boom,” “Stagger Lee” and “Da Doo Ron Ron” have in common? (c) 2011 King Features Synd., Inc.

In order to keep everyone honest (you know who you are,) you can find the answers and solutions to the trivia and puzzles to the next page (15).

New DVD Releases for Week of May 24, 2011 PICKS OF THE WEEK

“I Am Number Four” (PG-13) -- John Smith (Alex Pettyfer) is a teenager from another world who has powers and abilities far beyond those of mortal man. Raised by a human in a small Midwestern town, John falls in love with the cutest girl in school, but the romance is cut short when he discovers that there are others like him and a gang of bounty hunters are out to kill him and his kind one-by-one, and in numerical order. John is number four.

“Gnomeo & Juliet” (G) -- The director of “Shrek 2,” producer Elton John and Walt Disney Studios present a new take on Shakespeare’s immortal story of two star-crossed lovers in this animated family film. Gnomeo (James McAvoy) and Juliet (Emily Blunt) are different colored garden gnomes who live on opposite sides of a backyard fence. Lured by a beautiful orchid, the two meet and immediately fall in love. Their forbidden romance sparks a war between the two families. Will the two young lovers ever find Happiness?

Well, it’s a Disney movie, rated G, so do the math.

“The Royal Wedding: William and Catherine” (Unrated) -- With this commemorative DVD of the BBC’s coverage of the Wedding of the Century, you can relive all the pomp and pageantry over and over again. Sigh at the beautiful gown. Smile at the adorable flower girls and pageboys. And laugh at the hats. Oh, those hats!

“The Great Dictator: The Criterion Collection” (G) -- Charlie Chaplin’s classic satire of Adolf Hitler is now available in a completely remastered high-def, Blu-ray format.

Special features include: commentary by Chaplin historians Dan Kamin and Hooman Mehran; the documentary “The Tramp and the Dictator,” narrated by Kenneth Branagh; on-set color footage shot by Chaplin’s brother Sidney; a booklet featuring an essay about the film, plus a 1940 article by Chaplin discussing the film.

“Public Speaking” (Unrated) -- Originally shown on HBO, director Martin Scorsese presents a portrait of the life of satirist, journalist and gay-rights activist Fran Lebowitz, author of “Metropolitan Life” and “Social Studies.” Intercutting between archival footage from the 1970s, interviews with friends and admirers, and Lebowitz’s speaking engagements, Scorsese weaves an intimate tapestry of the life of one of New York City’s great writers.

14

TV SHOWS “Kids In the Hall, The” Complete Series DVD Megaset “Transformers” The Complete Series “Childrens Hospital” Complete First & Second Seasons “Ice Road Truckers Deadliest Roads” Season 1 “Trailer Park Boys” Seasons 1-7 “The Kids in the Hall: Death Comes to Town” “Melissa & Joey: Season One, Part One” “Mickey Mouse Clubhouse: Mickey’s Great Outdoors” “Rick Steves’ Europe: All 90 Shows” “Jon Lovitz Presents” “The Best of The Dean Martin Variety Show” “Nova: Japan’s Killer Quake” “Brad Meltzer’s Decoded” Season 1 “Samurai Champloo” The Complete Series (c) 2011 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

MUSI A C VENDND ROS

FOODD AN FU N

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) Some difficult family decisions have to be faced, but be sure to get more facts before you act. Be careful not to neglect your health during this trying time.

1. Social Security 2. A prodigy 3. Tudor 4. Yellow hibiscus 5. Chest 6. Beaufort Scale 7. Your grace 8. Philadelphia 9. Crudely written poetry 10. Albert Sabin

MAY 23, 2011

ARIES (March 21 to April 19) Home conditions still demand attention. Also, keep an open mind about a sudden question of trust involving a close friend. All the facts are not yet in.

SPORTS QUIZ ANSWERS 1. Ron Hassey caught perfect games by Cleveland’s Len Barker (1981) and Montreal’s Dennis Martinez (1991).

2. Reggie Jackson hit 47 in 1969, and Jason Giambi hit 43 in 2000.

3. Five times - 1983, ‘87, ‘89, ‘91 and 2001.

4. Paul Silas, with 208 regular-season victories.

5. Hartford beat Philadelphia 9-7 in 1984.

6. It was Jerry Riley, in 1976.

7. Beth Daniel, in 1994.

FLASH BACK ANSWERS 1. Ealing was a jazz and R&B club in London. Brian Jones, Keith Richards and Mick Jagger met there for the first time in 1962 -- the birth of the Rolling Stones.

2. The Ramones, in 1976. The record didn’t even chart, but was No. 92 on Rolling Stone magazine’s 500 Greatest Songs of All Time.

3. John Lennon, in 1964. The book is still in print.

4. The Runaways, a girl group Jett founded in 1975.

Their big hit was “Cherry Bomb” in 1976.

5. Rick Astley, in 1987, on his debut album, “Whenever You Need Somebody.” The song shot to No. 1 in 25 countries. Astley retired (at the age of 27) but came back in 2010 with “Lights Out.” 6. They were dropped (!!) from the 2010 update of Rolling Stone’s 500 Greatest Songs List.

TAURUS (April 20 to May 20) With summer just around the corner, travel begins to dominate your sign. Make plans carefully to avoid potential problems in the first half of June.

GEMINI (May 21 to June 20) A romantic Libra sets a challenge that your “sensible” side might question, but your idealistic self finds the prospect too intriguing to resist.

The choice is yours.

CANCER (June 21 to July 22) Those tense times in your personal life are just about over. Concentrate on reaffirming relationships. Your love of travel opens a surprising new opportunity.

LEO (July 23 to August 22) The Big Cat usually loves to be in the center of things.

But this week it might be wiser to watch and learn from the sidelines. A Pisces wants to make you purr.

VIRGO (August 23 to September 22) “New” is your watchword this week. Be open to new ideas, both on the job and in your personal life. A romantic Aries or Sagittarian beckons.

15

SCORPIO (October 23 to November 21) You still need to support a loved one through a difficult time. Meanwhile, things continue to work out to your benefit in the workplace.

SAGITTARIUS (November 22 to December 21) Aspects continue to favor expanding social opportunities. A Gemini reaches out to offer a chance for re-establishing a once-close relationship.

CAPRICORN (December 22 to January 19) There’s a potential for misunderstanding in both your job and your personal life.

A full explanation of your intentions helps smooth things over.

AQUARIUS (January 20 to February 18) You might be feeling restless on the job, but delay making any major moves until all the facts are in. A Scorpio has a surprising revelation.

PISCES (February 19 to March 20) Your business sense works to your advantage as you sort through the possibilities that are opening up. A Libra is Cupid’s best bet for your romantic prospects.

BORN THIS WEEK: You have a gift for being open-minded about people. This helps you make friends easily. You do very well in public service. (c) 2011 King Features Synd., Inc.

SNIPPETZ : COMMUNITY CALENDAR ®

SNIPPETZ COMMUNITY CALENDAR www.fepublications.com

ART HOP IN HISTORIC DOWNTOWN MONUMENT May 19, June 16, July 21, August 18 & September 15 The third Thursday of each month, May through September, the galleries, restaurants and boutiques of Historic Downtown Monument stay open from 5:00pm to 8:00pm for a celebration featuring art openings, great food, live music and other special events. Participating merchants are located on Second Street, Jefferson Street, Washington Street and Front Street : Bella Art & Frame, Bella Casa, Covered Treasures Bookstore, Crafty Laine Fabric Boutique & Sewing Lounge, Create A Memory Studio, Gloss, La Casa Fiesta Mexican Restaurant & Cantina, Luna Hair Studio and Spa, Margo’s on the Alley, Nationwide Flooring and Design Center, Prickly Pear, Retrospect Dry Goods, Santa Fe Trail Jewelry, The Bead Corner / Heart and Hand Marketplace, The Love Shop, The Vintage Merchants, and Wisdom Tea House. Please save your receipts from all your purchases during Art Hop. There will be a drawing of a gift basket collected from the Art Hop Merchants at the Chili Cook-Off on September 17th. For more information, please visit: www.monumentarthop.org.

TRI-LAKES AMERICAN LEGION POST 9-11 MONTHLY MEETINGS The Depot Restaurant in Palmer Lake (Post Home) First Tuesday of each Month 6:30 PM/8:00 PM The American Legion Post 9-11 and Auxiliary serves the Veterans and community of the Tri-Lakes area of Colorado’s Front Range. Post meetings are held the first Tuesday of every month at the Post Home (11 Primrose St., Palmer Lake, CO 80133) starting at 6:30 PM. Auxiliary Unit meeting are held on the second Tuesday of every month at 6:30 PM at the Post Home. For information about the post and events call 481-8668 or see the Post web site: http://www. americanlegiontrilakespost911.com/ FRONT RANGE TRADING POST Varies monthly-Visit website for more details frontrangetradingpost.com 1st & 3rd Sunday of each month 2:00-4:00 pm The Front Range Trading Post is a twice monthly swap event. The main idea is that we are stepping outside of the cash economy and mutually “gifting” things to each other in a way that turns whatever we have in abundance into a diversity of goodness and good will. The swap is free and open to all. If you want to participate you will need to bring something to trade.

LOCAL HOST FAMILIES NEEDED FOR EXCHANGE STUDENTS Colorado - Now through Aug. 31, 2011 ASSE International Student Exchange Program is seeking host families for the 2011-2012 school year, for international high school boys and girls. These students are 15 to 18 years of age, and are coming to this area for the upcoming high school year or semester. These personable and academically selected exchange students are conversant in English, bright, curious and anxious to learn about this country through living as part of a family, attending high school and sharing their own culture and language with their newly adopted host family.

Persons interested in obtaining more information about becoming a host family should call (800)7332773 or Area Coordinator Joy Saultman at (406)8688553.

INTERQUEST ROTARY CLUB MEETING Liberty Heights at Northgate, 12105 Ambassador Dr, COS 80962 Thursday Afternoon’s 4:46PM till 6:01PM Guest welcome! Come join us for our weekly meeting with fellowship, food, and great speakers. We meet on the 2nd floor of main building weekly. We’re a small part of Rotary international, 1.3 million men and women worldwide serving our local area, our state and our world by giving Service Above Self.” www.rotary.org. Contact Scott Allen 719.338.7939 or mrrotary@comcast.net for more details.

This is the tenth year the Historic Monument Merchants Assocation (HMMA) is bringing live music to downtown Monument. This year the Concerts in the Park schedule has expanded to include EIGHT shows! The free Summer Concert Series kicks off June 8 and runs through July 27. All concerts are from 7:00 to 9:00pm. Bring your own chair or blanket and enjoy food, fun and great music for the whole family! Sponsored by the Historic Monument Merchants Association.

For more information, please visit: www.monumentmerchants.com/Concerts.htm BOWL FOR THE CURE - Pinz Bowling Center June 5th, 2011 - 9 am; Noon and 3 PM squads Pikes Peak USBC, Bowling Association, along with the Susan G. Komen Southeastern Colorado Affiliate are Co-Hosting this event at Pinz Bowling Center on the above date. It is open to everyone: Families, Frends, neighbors as well as Local bowlers (no age limit), to raise funds for The Bowl for the Cure Foundation. There are entry forms at Pinz as well as at www.springsbowling.com. Help us Strike out Breast Cancer! Drawing for sponosor donations, one ticket for every participant.

PALMER LAKE ART GROUP’S 2011 SPRING ART SHOW AND SALE Tri- Lakes Center for the Arts 304 Highway 105 in Palmer Lake, CO June 7 - 25, 2011 Daily 12 - 4pm, Sat 10 - 4pm, closed Sunday & Monday. Opening reception 5pm - 8pm Palmer Lake Art Group’s 2011 Spring Art Show and Sale: Opening Reception: Friday: June 10, 5 – 8pm, with hors d’oeuvres, live music & cash bar and silent auction scholarship fundraiser. This annual judged event will feature original art only by members of the Palmer Lake Art Group: paintings, sculptures, photography, fiber art, and more. Join us for an inspiring evening with beautiful art, live music, and an opportunity to participate in the Silent Auction.

Palmer Lake Art Group is a non-profit organization established over 40 years ago. Proceeds from this event will be used to fund scholarships for TriLake area students. See www.palmerlakeartgroup.com website for more information.

TRI-LAKES CRUISERS BENEFIT CAR SHOW Sunday, June 12, 2011 Over 200 cars line the streets for a spectacular event held the second Sunday of June.

Over thirty-nine trophies are given away at this show that runs from 10:00am to 3:00pm in historic downtown Monument.

TRI-LAKES NETWORKING TEAM “TNT Unites Women to Build Relationships, Achieve Success and Improve Our Community” Presents: “The Onederful You” June 14th 6:30 to 9 pm “Colorado Mountain Brewery” 11202 Rampart Hills View, CS www.trilakesnetworkingteam.com AMERICAN LEGION POST 9-11 FLAG RETIREMENT CEREMONY The Depot Restaurant in Palmer Lake (Post Home) June 14 2011 - 7 PM/8PM The Tri-Lakes American Legion Post 9-11 will conduct a Flag Retirement Ceremony on Flag Day at 7PM at the Post Home (Depot Restaurant) in Palmer Lake. This is an opportunity to properly dispose of old and tattered flags. It is not necessary to attend the ceremony as flags may be dropped off at any time in advance at the Depot Restaurant. This is a community service with no charge.

FINALLY SUMMER SOULSTICE Saturday, June 18, 10:00am to 2:00pm The Historic Monument Merchants’ Association is excited to present the Third Annual Finally Summer Soulstice Celebration! Finally Summer Soulstice is an all-day event featuring live music, activities for kids and adults alike, and other special events. For more information, please visit www.monumentmerchants. com/SummerSoulstice.htm

MONUMENT FOURTH OF JULY PARADE & STREET FAIR - PALMER LAKE FIREWORKS DISPLAY This year the annual parade will be held Monday, July 4. The fireworks over Palmer Lake will take place the evening of Monday, July 4.

HIS BRAND OF EL PASO RODEO BIBLE CAMP Latio Trails Heritage Centre, 13710 Halleluiah Trail, Elbert, CO 80106 July 10-13, 2011 12:00 PM July 10 to 12:00 PM July 13 Sponsored by the Fellowship of Christian Cowboys and is a unique blend of bibical teaching and rodeo instruction by professional instructors in Barrels/

TEAM SCHNEIDER BECOMES CERTIFIED PATH2BUY COACHES

T

eam Schneider of Cherry Creek Mortgage Company is proud to announce that they have become certified Path2Buy coaches.

Grant Schneider of Cherry Creek Mortgage said, “We want to help people get ready for their home purchase through a new innovative program called Path2Buy. Using this program we will analyze your client’s ability to purchase a home. If they don’t qualify now we will develop a Plan to put them on the Path2Buy. This program is FREE to everyone courtesy of Team Schneider.”

“There are many renters who want to become a homeowner and others who lost their home in the past and they’re not sure they can ever qualify to own a home again,” said Alice Schneider of Cherry Creek Mortgage. “Our Path2Buy coaching system will guide potential buyers through the process of identifying and resolving the issues that are holding them back from making that home purchase. This is not always a quick fix. It’s a process that can take months and sometimes years to get them in a home. Our free face to face consultation will help these potential home buyers identify their financial strengths and weaknesses.

The Path2Buy program has identified 7 ½ Reasons why the real estate market is stagnant.

1. Job Security/Insecurity - We’ll identify the factors that are causing them concern. In some cases, the problem can be resolved quickly. In other cases, they just may need to weather the current economic conditions.

2. Down Payment - We will help determine the amount that is needed for a down payment on a home. We will give them a plan towards saving for the down payment.

TO SUBMIT YOUR EVENT - GO TO:

3. Credit - The world of credit is very complex today. We will guide them through the steps necessary to maximize their credit profile and credit score. Many times they just need to know the rules of the credit game in order to make improvements.

http://snippetzonline.com/submit-an-event.html

4. Debt to Income Ratio Guidelines - If

CONCERTS IN THE PARK IN HISTORIC DOWNTOWN MONUMENT Wednesday’s, June 8th through July 27th 7-9pm

16

Poles, Saddlebronc, Bull Riding, Team Roping, Goat Tying, Western Horsemanship, Trick Riding, Bareback, Breakaway Roping, and Calf Roping for ages 9-18. Cost is $190/camper and meals are provided.

Campers sleep overnight with Team Counselors and have a fun and informative 3 days!!! Contact: Mike Sigler (719) 499-5577 PICNIC IN THE PINES Fundraiser for BENET HILL MONASTERY 3190 Benet Lane Colorado Springs, Co 80921-1509 Sat, JULY 16, 2010 10:30 AM-2:30 PM Barbecue (all you can eat) and Roasted Pig, Games for all ages, Nature walks, Music. $25.00 per person or $100.00 per family. Please let us know if you are interested and we will send you Posters, Flyers for Bulletins, or e-blast. FOR MORE INFORMATION AND REGISTRATION PLEASE VISIT THE WEBSITE www.benethillmonastery.org

their current debt is too high, we’ll help develop a plan to bring their debt under control.

5. Debt to Income Comfort Zone In this direct deposit and debit card world, we know how hard it is to save.

We have created a program similar to the old Christmas club and Layaway programs from years past. We consider their personal comfort level so that they feel secure long after their closing.

6. Misinformation - We also know that other obstacles keep people from moving forward with a home purchase.

Today’s newspapers, television and internet are full of misinformation.

There is certainly no shortage of “experts” spewing wrong information.

We’ll teach them how to recognize fact vs. fiction.

7. Mobility/Liquidity - We realize that people are concerned about job relocation and being able to sell their home quickly and for a profit. We will work through these concerns with them.

7.5 Waiting for the Bottom – We will never know when the housing market hits bottom until it already starts moving back up. With the risk of rates potentially increasing, we will show them why now may be the best time to buy.

Whether it’s in 5 months or 5 years they owe it to themselves and their family to get the plan that will put them on the Path2Buy. They will leave with a customized plan that shows them how to save more, cleanup their credit issues, and reduce their monthly debt.

Along with the plan, they will also receive OUR commitment to ongoing assistance to help them stay on their Path2Buy. For more info on the Path2Buy program, please contact Cherry Creek Mortgage – Team Schneider today at (719) 433-7651.

GET SNIPPETZ ONLINE

FREE

www.fepublications.com

SNIPPETZ WEEKLY MAGAZINE ®

/52 ).6%34/23

*OIN ./7

3AVE

-ENTION THIS AD WHEN YOU SUBMIT YOUR APPLICATION AND WE WILL WAIVE YOUR PROCESSING FEE &IND A -EMBER !PPLICATION ON THE #HAMBER S WEBSITE ON THE #HAMBER OF #OMMERCE PAGE ,OOK FOR THE */). ./7 LINK OR SIMPLY STOP BY THE #HAMBER OF #OMMERCE AND 6ISITOR #ENTER OFlCE

17

SNIPPETZÂŽ BUSINESS, FINANCE & LAW LEARN ABOUT THE MARKET WITH

FINANCIAL FOCUS

A FREE CUP OF COFFEE.

“MUNIS� CAN STILL WORK FOR YOU - EVEN IN TOUGH TIMES Provided by Adam Grayson of EdwardJones Investments

N

You’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 coffee’s on us.

Please join us at the next meeting of our coffee club and bring a friend.

Thursday,June December 16, 2010 Date: Thursday, 16, 2011 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

Member SIPC

o matter where you live, the chances are good that a state or local government near you may be having some difficulty in balancing its budget. As a citizen, you’re probably concerned about how this situation will affect your life and your community. But as an investor, you may also wonder how this might affect any municipal bonds you own.

Fortunately, the outlook might be brighter than you think.

Of course, taken to the extreme, the financial challenges of some state and local governments could conceivably affect their ability to fulfill the payment obligations on their municipal bonds. But investment-grade quality municipal bond default rates historically have been very low, especially when compared to those of corporate bonds. And municipalities are cutting spending, eliminating nonessential programs and, in some cases, raising taxes or fees. In short, they are taking steps that, while potentially painful to residents, are likely to help them continue making timely payments of interest and principal on their municipal bond obligations. Furthermore, municipalities must still fund various projects, and even one bond payment default could impact their future ability to borrow money in the form of new municipal bonds.

So are munis right for you? The answer depends on your situation — your goals, need for investment income, current investment mix, risk tolerance and so on. But if you want to receive interest payments that are exempt from federal taxes, you may well be interested in exploring municipal bonds. Keep in mind, though, that municipal bonds may be subject to state and local taxes and the alter-

native minimum tax (AMT).

In addition, you’ll want to be familiar with “taxable-equivalent yield.� Typically, municipal bonds pay an interest rate that’s lower than those paid by taxable bonds. Since this interest is free from federal taxes, however, the rate may not be as low as it appears.

The taxable-equivalent yield measures the rate you’d have to earn on a taxable bond to match the income from a tax-exempt municipal bond.

And the higher your tax bracket, the higher your taxable-equivalent yield.

Suppose that you’re in the 35% marginal tax bracket, and you are considering a tax-exempt municipal bond with a 3.33% yield. You simply divide 3.33% (0.0333 in decimal form) by 1 minus 0.35 (your tax bracket), which would give you 0.0512, or 5.12%. In this tax bracket, a muni with a 3.33% yield is equivalent to a taxable bond with a 5.12% yield. (This example is for illustration purposes only.)

Keep in mind that, before investing in bonds, you should understand the risks involved, including interest rate risk, credit risk and market risk. Bond investments are subject to interest rate risk such that when interest rates rise, the prices of bonds can decrease, and you can lose principal value if the investment is sold prior to maturity. So it’s best to discuss municipal bonds with your financial and tax advisors.

By adding quality municipal bonds to your portfolio, you can show faith in your municipality, your investment dollars can help support worthwhile projects in your area, and you receive a steady source of tax-exempt income.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

Edward Jones, its employees and ďŹ nancial advisors cannot provide tax or legal advice. Please consult your attorney or qualified tax advisor regarding your situation.

For additional information, contact:

Adam Grayson 755 Hwy.105, Ste M-4 • Palmer Lake, CO

719-481-4964

9OU 7!.4 TO JOIN THE #HAMBER OF #OMMERCE BECAUSE OF ALL THE BENElTS AND OFFERINGS -!+% YOU MONEY AND 3!6% YOU MONEY "RING THIS COUPON IN WITH YOUR COMPLETED NEW MEMBER APPLICATION DURING AND WE WILL WAIVE YOUR NEW MEMBER PROCESSING FEE A VALUE &IND A -EMBER !PPLICATION ON THE #HAMBER S WEBSITE ON THE #HAMBER OF #OMMERCE AND 6ISITOR #ENTER PAGE ,OOK FOR THE */). ./7 LINK OR SIMPLY STOP BY THE #HAMBER OF #OMMERCE AND 6ISITOR #ENTER OFlCE !SK ABOUT OUR NEW @/NE 0ERSON "USINESS AND @.EW "USINESS RATE 18

®

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.

BUSINESS CONTRACTS: THE ESSENTIALS

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

Business Formation

❖

Business Planning

❖

Intellectual Property

❖

Employment Law

❖

Mergers and Acquisitions

❖

Wills, Estate, Probate

❖

Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

719.488.9395

lisa@lwslawfirm.com • www.lwslawfirm.com

DIVORCE / FAMILY LAW

VALUE

Experienced - Affordable - Convenient

Law Offices of Christopher C. Meyer,P.C. 13540 Northgate Estates Dr., #200 Colorado Springs, CO 80921

(719)488-9395 Call for appointment • FREE initial consultation Please visit our comprehensive website for divorce information:

www.cmeyerlaw.com

© July 2005, Lisa Welch Stevens, Esq.

W

hen entering into an agreement, the surest way to avoid disputes is to put the terms in writing. At a small claims trial I tried last month the judge put it best: “We all know why we are here. It’s why we’re always here. Nobody put anything in writing.” Many small business people are reluctant to ask for a written agreement, thinking it unnecessary, or that it implies a distrust of the other party. I can assure you: written agreements avoid disputes, and provide a type of “insurance” against deals gone bad.

Obviously, the ideal situation is to have an attorney draft the contract, tailored to your situation.

However, not all small business people want to do that. There are form agreements available in business supply stores, over the Internet, in form books, etc. You can try adapting such forms to your situation. However, it is important to be careful: not all form agreements comply with Colorado law, and not all forms are well-drafted. You can also write up your agreement yourself; something is better than nothing.

As a checklist, here are some provisions

that should be included: • Names of the parties, and types of entities; • Effective date, and termination date if any; • Purpose of the agreement; • Representations, warranties, guarantees, definitions; • Performances and payments required of the parties; • Events of default or breach; • Remedies for default or breach; • Releases and indemnifications; • Disclaimers; • Merger clause; • Choice of law provision; • Jurisdiction and venue clause; • Survival clause; • Attorney’s Fees clause; • Waiver of Breach clause; • Severability clause; • Provisions for contract to bind heirs, successors and assigns; • Notice clause; • Interpretation clause; • Signatures.

mortgage companies to their knees in courts of law and to get mortgages modified, bringing relief to the homeowners who are on the verge of foreclosure. These letters are personalized with the name of the homeowner and the mortgage company, as well as the amount of the loan. They claim to be able to stop foreclosures, get payments reduced and even get compensation.

MORTGAGE SCAM TARGETS DESPERATE HOMEOWNERS

L

eave it to the scammers to find a way around the law. In this case, they’ve discovered a way to separate desperate homeowners from their money in a new wrinkle on mortgage scams.

Homeowners across the country have been receiving letters in the mail about mortgage “mass joinder” lawsuits. These letters promise to bring

It is not distrustful to ask others to sign a contract – it is the professional way to run your business.

A written contract makes all parties secure in the terms of their agreement, and saves money in the long run, through avoiding costly litigation and lost relationships because of bad feelings. Anyone unwilling to sign a fair, simple contract is probably not someone you want to be doing business anyway – it is sign of potential problems down the road. As always, consult your legal advisor regarding your specific situation.

This article is intended for general informational purposes only, and does not constitute the proffer of legal advice. As always, consult your legal advisor regarding the facts of your particular situation.

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

719.488.9395

Attorneys are exempt from the rule if they practice law, have a license in the state where the consumer lives or the property is, and comply with their state laws. Additionally, they have to put fees paid to them in a special client account.

The scammers’ workaround of the new ruling?

They’re not actually offering mortgage modification help. They’re only offering to sue, using attorneys, and they’re doing it on an hourly baNaturally, huge upfront fees are demanded -- sis. $5,000 in most cases.

If you’re finding it hard to pay your mortgage, Last fall, the Federal Trade Commission tried contact your lender first. They don’t want your to address consumer mortgage scams with the house back. Most of them want only to help you Mortgage Assistance Relief Services Rule. find a way to pay the debt and will try to work something out.

The new ruling says that 1) companies cannot demand fees until the homeowner has in hand If you receive one of those mass joinder letters, a document from the lender that outlines an ac- let your local Better Business Bureau and the ceptable written offer; 2) the company must tell FTC know so they’re aware that the companies the homeowner what happens if they stop pay- are working in your area. ing the mortgage; 3) consumers must be told that they don’t have to accept any offers (and don’t David Uffington regrets that he cannot personally answer reader questions, but will incorporate them into his column have to pay the fees if they reject any offer the whenever possible. Write to him in care of King Features company has negotiated); 4) the fee has to be Weekly Service, P.O. Box 536475, Orlando, FL 32853disclosed, and 5) the company must disclose that 6475, or send e-mail to columnreply@gmail.com. it’s not part of the government. (c) 2011 King Features Synd., Inc.

19

SNIPPETZ WEEKLY MAGAZINE ®

INTERNATIONAL STONEWORKS, LLC

GRANITE COUNTERTOPS SLAB COUNTERTOPS • • • • • • •

KITCHENS BATHROOMS WETBARS WALLS FIREPLACES FURNITURE OUTDOOR LANDSCAPE FEATURES

CUSTOM GRANITE MARBLE TRAVERTINE QUARTZ

$32.00 Per Sq. Ft. Installed • Call for your FREE Quote Today!

Hwy 105

(located just 2 miles west of 1-25’s exit 163 in Palmer Lake)

iswrocks.com • Since 1997 • residential • commercial 20

ou

nt

a in

CNC & WATERJET TECHNOLOGY FABRICATION & INSTALLATION (719) 488-3180 200 COUNTY LINE ROAD • PALMER LAKE, CO 80133

Roa d

• • • •

p ru SS

M ce

Co

t un

ine yL

ad Ro

INTERNATIONAL STONEWORKS, LLC.