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WEEKLY MAGAZINE

SNIPPETZ EXAMINES CREDIT... COULD YOUR CREDIT USE A LITTLE PLASTIC SURGERY?

by Megan Barrette

FREE WEEKLY

ISSUE 520 • OCTOBER 17, 2011

C

redit is more than just the American Express or Visa taking up space in your wallet. And it’s more than the temporary fun fix obtained from purchasing that expensive pair of boots or set of golf clubs that you buy with the intent of paying it back later. In the big picture, credit makes the world go ‘round.

According to the Federal Reserve, U.S. consumer debt amounts to $2.43 trillion; $777 billion of which is made up of revolving debt, i.e, credit cards. That’s a lot of plastic!

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It seems like we went right from barter to credit when in 1730, a furniture merchant by the name of Credit...

Continued on Page 2

All your protection under one roof.

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TIME TO UPDATE?

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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

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Q U A L I T Y

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“How To... Sell Items on Craigslist A Step-By-Step Guide Series 2, Article 1” Web Chat by Robyn... 6

W H E N

C O U N T S

“Suppressed Emotions” Life Energy Flow Tai Yi ... 5

C O U N T S

Q U A L I T Y

FEATURE ARTICLES

Q U A L I T Y

W H E N

SNIPPETZ EXAMINES CREDIT... COULD YOUR CREDIT USE A LITTLE PLASTIC SURGERY?

W H E N

W H E N

THIS WEEK IN SNIPPETZ

Strange But True... 7 Moments In Time... 8 “Medicare Enrollment” Senior News Line... 9

CLASSIFIED PAGE 9

GREAT BARGAINS Find Your Treasure!

Business / Employment Opportunities

HEALTH “Many Ways to Treat Atrial Fibrillation” To Your Good Health... 10 “Sugar Blues or Sweet Living” Simply Healthy with Dr. Cheryl... 11

COMMUNITY CALENDAR 12 THE DINING GUIDE “Feeling Your Oats: Homemade Instant Oatmeal” 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)

Credit...

Continued from Page 1

use of credit came to a screeching halt. Then when the war was over, however, the flood gates opened.

Everyone wanted all the good things in life and they’d like it right now, please.

Christopher Thompson offered his customers the option of purchasing furniture on a weekly payment plan.

Even clothing was sold on a weekly payment plan. The term “tallymen” came from the merchants who sold the clothing and kept a tally of customer purchases on a wooden stick.

That stick was the precursor to the credit card statement – on one side it tallied the purchases and on the other, payments were recorded.

NOT ALWAYS PLASTIC

The actual credit card didn’t start off as plastic. In the early 1900s, Western Union issued a metal credit card to their best customers and called it “Metal Money.” Not to be outdone, the General Petroleum Corporation also issued metal money to their employees and eventually their best customers for the purchase of gas The current economic condition in and other auto services. our country has made Americans more and more dependent on credit. While most people consider using credit as a tool for living the life

NOW WHAT?

Soon everyone was jumping on the bandwagon including Ford Motor Company which also recognized that customers couldn’t afford to purchase a car for cash and started providing financing through small finance companies. AT&T followed suit along with railroads and airlines.

DON’T LEAVE HOME WITHOUT IT

American Express made that slogan famous, but they were not the first.

Once World War II commenced, the

BUSINESS, “7 Reasons to Review Your Home Insurance” Dollars and Sense... 18 “Autumn Offers Lessons for Retirement” Social Security Article by Rose Fortune... 18 “The Marriage Zone: Military Divorce” It’s The Law by Christopher Meyer... 19

CHOOSE ONE OR TREAT YOURSELF TO BOTH!

Alisha

PUBLISHED BY FUNDER ENLIGHTENING, INC. George Wilkins - Publisher PO Box 789

Credit...

Continued on Page 3

SPECIAL OFFERS FROM EXPECTATIONS!

FINANCE & LAW

ALL RIGHTS RESERVED © 2011

Credit (no pun intended) for being first goes to Diner’s Club, Inc. In 1950, the company introduced the first credit card that could be used at different stores and businesses.

The “Charge-It” cards were great for business travelers especially, but the demand grew from there. Eventually American Express, Bank of America, MasterCard (started as Master Charge), Visa (started as BankAmericard) and Discover came along … along with charging interest.

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Expectations...

It’s All About You!

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SNIPPETZ OF NORTHERN EL PASO COUNTY & LARKSPUR

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

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CREDIT SCORE

Credit...

Continued from Page 2

they desire, many don’t know how important it really is.

While credit cards do play a role in establishing financial standing, credit itself can be thought of as a bank’s trust in their customer to repay a loan.

It is very important to create a trustworthy standing with banks by making on-time payments when borrowing money or using credit. A borrower’s ability to pay back what is owed helps in the long run when it comes time to financing a house or that shiny new Porsche as well as for those smaller purchases such as appliances, furniture or even that name-brand pair of boots.

BIG BROTHER IS WATCHING Banks are free to decline credit or charge higher interest rates to a consumer with a less than stellar credit rating.

Renting an apartment, signing up for utilities or services and even getting a dream job can all be affected by credit history. A future landlord and potential employer may use credit reports to determine whether an applicant will be a good tenant or employee. Who would have thought that paying back your credit card would determine whether or not you get hired?

FICO is the name of the credit score calculation that was created by Fair Isaac Corporation in 1956. Their software program was developed as a way to determine how big of a financial risk an individual is to banks and financial institutions.

M asquerade

The extremely complicated mathematical formula takes several factors into account in order to determine a credit score: • • • • •

Philharmonic Pops • Oct. 29, 8:00 pm Thomas Wilson, conductor

payment history amount of money owed length of credit history new credit types of credit used

We roll out thrills and adventure, including Peter and the Wolf and Night on Bald Mountain; not to mention cinematic thrillers from The Lord of the Rings, Harry Potter, and Jaws.

Sponsored by The Friendship Fund

Tickets from $19 ($12 students) Call: 719-520-SHOW (7469) Online: csphilharmonic.org Visit: Pikes Peak Center box office Pikes Peak Center 190 S. Cascade Ave.

csphilharmonic.org

Based on the above mentioned factors, there are three types of credit scores that banks and other lenders will use to determine how much money and at what terms they will lend. There are three FICO scores considered, one for each of the three credit bureaus: Experian, TransUnion and Equifax. Each FICO score is based on the information credit bureaus have on file.

With changes in credit activity, the credit score changes too.

For FICO scores to be determined, each of the three reports must contain at least one account that has been open for at least six months.

Each report must also contain at least one account that has been up-

October 28th, 2011 6:00 to 9:00 PM

Credit...

Continued on Page 4

The Inn at Palmer Divide - 443 S. Hwy. 105, Palmer Lake Proceeds Benefit the Tri-Lakes Community

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Tickets are $50.00

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Visit www.TLWC.net for more info and Tickets, or purchase from any TLWC Member.

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SNIPPETZ WEEKLY MAGAZINE ®

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Credit...

line in case of an unexpected expense.

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3. Follow the 20/10 Rule: Keep spending below 20% of total yearly income after taxes; and don’t have more than 10% of monthly takehome pay in credit card payments.

dated in the last six months.

GOOD CREDIT 101 You may be saying to yourself, “good credit sounds fantastic but what if I don’t have any credit at all?” There are many steps to take for building and establishing good credit.

1. Apply for a new credit card.

With no previous credit history, credit card companies may give you a high annual percentage rate. By making small purchases and paying them off right away, you can avoid these high fees.

2. Open a secured credit card. If you are unable to secure credit card approval, then a secured credit card may be a viable option. These credit cards require paying a security deposit in order to open it. Purchases can then be made against the deposit paid.

Maintaining good credit is hard work. There are many things that people can do to maintain a good credit score.

1. Set up online payment reminders. Late payments on credit cards or bills negatively affect credit score. This may seem like a nobrainer, but it only takes one late payment to negatively affect credit.

This being said, the longer you pay your bills consistently on time, the higher the credit score. FICO scores reflect diligence in making on-time payments.

2. Do not exceed the established credit limit. Keep an emergency fund of at least 15% of your credit

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Continued from Page 3

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We have all seen the commercials with the catchy jingles promising a free credit report if you just visit a website. However, be cautious of websites offering free credit scores.

Many companies do not provide your credit report without requiring payment for subscription fees or other services.

The Fair Credit Reporting Act allows access to your credit report from each of the three reporting agencies – Experian, TransUnion and Equifax – once every 12 months. A website that assists with obtaining your credit score for free is www.AnnualCreditReport.com.

Checking your credit report once a year allows the opportunity to correct any errors and find any unauthorized activity.

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LIFE ENERGY FLOW TAI YI: SUPPRESSED EMOTIONS

D

eep and uncomfortable emotions can sometimes seem to be too uncomfortable to feel and to heal. In order for people to heal uncomfortable emotions, they need to first be felt. However, many times the person who is carrying the feelings would rather deny them for various reasons.

Many individuals are under the false perception that denial is better than addressing something uncomfortable. However, denial leads to several issues. A person may carry the false perception that by allowing the uncomfortable feelings to emerge, it will lead to uncontrollable rage, depression, and anxiety. A person may also carry the false perception that the uncomfortable feelings have dissipated since the events, which caused the feelings, occurred many years ago. Without directly addressing the feelings, they do not dissipate. They simply simmer for a while and directly cause physical issues, such as headaches, stomach ulcers, digestive issues, arthritis, among a few.

month of October.

that confronting the issue will only create more issues. What it may do is bring the other issues to light, but not necessarily create more issues unless the confrontation is attempted along with judgment and negative anger. The issues that surface may have been issues already present, but not examined.

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The denial of emotions is suppression of emotions. The suppression leads to a lack of passion for life and a lack of joy for life. That does not mean that the person does not ever experience joyful moments, but those moments can become far and few between or those moments may require significant events, such as a wedding. Joy for life can be felt daily if that joy is allowed and nurtured.

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A Tai Yi treatment that assists a person in completing that process is Dark Side of the Moon-parts 1 and 2. This treatment needs to be completed between 24-72 hours apart.

This is for those who have dark (uncomfortable) emotions that never surface. Meaning, they stay under the surface while the person stays in denial of the emotions. This opens the meridians to allow life energy flow to flow into the meridians to GENTLY open what has been shut off from the conscious mind-which will be connected to a false belief.

This will allow the person to begin recognizing dark beliefs so the person lets go of that energy. This treatment is good for those in therapy.

Some may also incorrectly assume

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

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How To...Sell Items on Craigslist A Step-By-Step Guide Series 2, Article 1

The beauty of Craigslist is that it's free and that you are able to sell items to local people with local pick-up and no Paypal or shipping hassels.

How to Set Up a Craigslist Account: It is not mandatory that you set up an account with Craigslist in order to sell items, but it is recommended in order to make the process easier to create, edit, delete and repost ads.

1. Go to www.craigslist.org.

2. On the left side of the page click on "My Account".

3. On the left bottom of the page click on "Sign up for an Account".

4. Type in your email address.

5. Enter the verification word, and then click on "Create Account".

The next page will then say: "A link to activate your account has just been emailed to (your email address)."

6. Now go to your email account and click on the link that Craigslist sent you.

7. You will now enter your password twice and click on "Submit Password and Log In" at the bottom.

8. Click "I ACCEPT" at the bottom of the Craigslist "Terms of Use" to continue.

Now that you have an account you can begin posting items!

How to Post Items on Craigslist: 1. Go to www.craigslist.org.

2. Click on "My Account" on the upper left.

3. Then click on the "New Posting" tab at the top of the page.

4. Choose your City from the drop-down box and click "Go".

(If you live in a small town, choose the largest town nearby If you live in Monument, choose Colorado Springs.) Take into consideration that larger cities will afford you more buyers, but also more competition. Also, if you plan to post your item in more than one area, be sure to

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change the title and description wording. Posting identical ads in more than one area is forbidden

by Craigslist.

5. Then choose your type of posting - "For Sale" is in the middle of the list.

6. A list of categories will then appear. Choose the category that best fits the item you are selling.

7. On the Form, create a Posting Title. Make it specific, but exciting so people will want to click on it. Use key words that will help people to find your ad when they are searching. For advanced users: To find keyword ideas that are highly searched with low competition, go to https://adwords.google.com/selec t/KeywordToolExternal 8. Type in your Price and your Specific Location. (This is not your home address! Type in your local town.)

9. I always click the circle to anonymize my email address so that no one knows my real email address and so that I don't have to give out my phone number.

10. Then add a detailed description with as much specifics as you can (otherwise you will get a million emails from people asking a million questions). Use bullet points so it's easy to read. Also avoid using all caps.

11. Add images. Try to take photos up-close and different angles. You can add up to 4 photos.

12. Do not click the box for "OK for others to contact you…" box.

13. Now just click "Continue".

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More detailed information is in the "help, faq, abuse, legal" section on the Home Page right below "My Account". Also be aware of potential scams. Scams can and will happen on Craigslist if you don't follow the advice they give you. Be sure to read the "Avoid Scams and Fraud" page which you can click on directly below the calendar on the Home Page.

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Find all past articles at www.WebChatbyRobyn.com Written by Robyn Graham, Owner of WebsitesByRobyn.com

If you have any questions or requests for articles concerning a particular subject, feel free to contact me at Robyn@WebChatByRobyn.com

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SNIPPETZ WEEKLY MAGAZINE ®

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used.”

• The beaver is a rodent.

• If you’re like the average adult, when you’re sitting in a relaxed position, you inhale about one pint of air with every breath.

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• It was American artist and illustrator Florence Scovel Shinn who made the following observation: “The game of life is the game of boomerangs. Our thoughts, deeds and words return to us sooner or later with astounding accuracy.”

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• In 1811 and again in 1812, earthquakes caused the Mississippi River to temporarily reverse course.

• You might be surprised to learn that about a million Americans say they drink Coca-Cola for breakfast.

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• Dominique Bouhours, a Frenchman who lived in the 17th century, was a priest, an essayist and a grammarian. The love of language may have been closest to his heart, though; it’s been reported that the final words he uttered on his deathbed were, “I am about to -- or I am going to -- die; either expression is

We are a federally designated debt relief agency pursuant to Title 11 of the U.S. Code, to help people file bankruptcy

• The United States isn’t the only country that has an accolade to recognize excellence in the film industry. Here the awards are known as the Oscars, but other nations have their own names for the awards: In Canada they’re known as Genies, in France they’re Cesars, in Russia they’re called Nikas, in Mexico they’re Golden Ariels, in Spain they’re known as Goyas, and in the United Kingdom they’re called Orange British Academy Film Awards.

• Those who study such things say that millions of trees are planted accidentally when absent-minded squirrels forget where they buried their nuts.

• In ancient Rome, if you had a hooked nose you were considered to be a born leader. *** Thought for the Day: “Four-fifths of all our troubles would disappear, if we would only sit down and keep still.”

-- Calvin Coolidge (c) 2011 King Features Synd., Inc.

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Drywall Patches, Repair and Texturing

• No Job Too Small • Free Estimates • Reasonable Rates • 25 Years of Experience Home: 719-481-0509 Cell: 719-237-9277

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”

GARAGE DOOR REPAIR

A CUT ABOVE DRYWALL

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

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PLEASE SUPPORT OUR ADVERTISERS - THEY MAKE SNIPPETZ® POSSIBLE!

MOMENTS IN TIME THE HISTORY CHANNEL

• On Oct. 19, 1869, work begins on one of the most ambitious Western engineering projects of the day: a 4-mile-long tunnel through the solid rock of the Comstock Lode mining district in Nevada to divert water. The tunnel drained some 2 million gallons of water from the mines per year.

• On Oct. 23, 1925, John William Carson, who would become famous as the longtime host of the popular late-night TV program “The Tonight Show Starring Johnny Carson,” is born in Corning, Iowa. Carson hosted “The Tonight Show” on NBC for 30 years, from 1962 to 1992.

• On Oct. 20, 1944, U.S. Gen. Douglas MacArthur wades ashore onto the Philippine island of Leyte, fulfilling his promise to return to the area he was forced to flee in 1942 under orders from President Franklin Roosevelt. He had left behind 90,000 American and Filipino troops, only one-third of whom survived to see his return.

• On Oct. 22, 1957, U.S. military personnel suffer their first casualties in Vietnam when

13 Americans are wounded in three terrorist bombings of Military Assistance Advisory Group and U.S. Information Service installations in Saigon. The rising tide of guerrilla activity in South Vietnam reached an estimated 30 terrorist incidents by the end of the year.

Pin-Up Dresses Cat-Eye Glasses Old-Time Candy Lunch Boxes Bowling Shirts Classic Toys Super Heroes Sci Fi Posters Rock N Roll Turntables Radios Throwback Tees Robots Milestone Birthday Gifts Telephones Kit Kat Clocks Fedoras Vintage Sodas Fragrances Aprons Jewelry Paperdolls Table Linens Pedal Cars Cookbooks Cards * Gifts

• On Oct. 17, 1968, Olympic gold medalist Tommie Smith and bronze medalist John Carlos are forced to return their awards because they raised their fists in a Black Power salute during the medal ceremony in Mexico City.

• On Oct. 18, 1977, in the sixth game of the World Series against the Los Angeles Dodgers, New York Yankees outfielder Reggie Jackson hits three home runs in a row off of three consecutive pitches from three different pitchers. When the game ended, the field flooded with fans. They had a new hero: Reggie Jackson, now known as “Mr. October.”

• On Oct. 21, 1988, “Mystic Pizza,” a romantic comedy starring Julia Roberts, Annabeth Gish and Lili Taylor as three young women who work at a pizza parlor in Mystic, Conn., opens in theaters. Matt Damon, then 18, also made his big-screen debut in the film.

Find Us On

(c) 2011 King Features Synd., Inc.

8

O DAPEN ILY !

Fly on in for some retrospooktacular fun!

Present this Ad by Oct. 31st for

251 Front Street Historic Downtown Monument 719.487.8817 RetrospectDryGoods.com

20% OFF Your Entire Purchase! after you spend $25.

Only one coupon allowed per transaction. Not good on Sale or Clearance items.

Expires Oct. 31, 2011

ÂŽ

SNIPPETZ : THE LOCAL SCOOP SNIPPETZÂŽ CLASSIFIED 6 LINES Only $5 A Week (minimum

Call:

5

weeks)

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Classified ads will run a minimum Snippetz 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.

a bit more. At this point, however, they don’t know how much that will be for the premiums and deductibles, but you can find out at the website or phone number below.

FOR RENT

FOR RENT OfďŹ ce/Warehouse space for rent High trafďŹ c area in Monument Up to 1200 sq feet, $1.25/sq ft.

Short term lease available 719 302-2836

-- Part B premiums will increase a bit as well. Watch the news, as the cost of living adjustments (COLA) are generally announced sometime in October each year.

Ads must be submitted

by E-mail or U.S. Mail E-mail: advertising@fepublications.com or Funder Enlightening, Inc. PO Box 789 Monument, CO 80132 Visa / Mastercard / Discover / Check

ACCOUNTANTS

MEDICARE ENROLLMENT

HELP WANTED HORSE BOARDING

YOUR COMMUNITY ACCOUNTANTS

EXPERIENCED NAIL TECH AND HAIR STYLIST WANTED

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

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

PET GROOMING

All positions and management.

Apply Within.

Domino’s Pizza 481 Hwy. 105, Monument

(719) 488-9203

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

M

edicare enrollment begins and ends early this year.

The annual period to sign up or make changes to your plan begins on Oct. 15, 2011, a month early. The most important change is the cutoff date: Circle the date on your calendar, because the enrollment period now ends on Dec. 7, 2011.

This way you’ll have your card at the beginning of the New Year.

NOW HIRING

PARK N BARK MOBILE GROOMING

FOR SALE

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.

WANTED: BLACK JACK & TEXAS HOLD-EM DEALERS

Thursday nights. Call Pinz 487-7469 Must be 21 years old. Does not have to be licensed. Just for fun.

970-397-3702

CALL: 719-481-4204

As always, you only have this one time per year to make any changes to your coverage for 2012. Changes can include Medicare Advantage, your drug coverage, Medigap supplemental or your regular Medicare.

WANTED: SALES CONTRACTOR

COUNSELING

MARY SENOUR PSYCHOTHERAPIST MA Counseling with Compassion.

Pro Marriage~Pro Family ~Pro Life 236 N. Washington St. Chapala North Bldg., Monument, CO

To represent Snippetz, The Image Magazine and The Treasure Chest.

Experience preferred, but will train.

719-331-4312

(719) 487-0484

T

2001 NUWA 5TH WHEEL TOY HAULER 12’ Garage seperate from living area. Like New on inside. Asking $14k

There are a number of changes you’ll need to figure into your decision-making: -- Drug coverage (Part D) will cost

-- “Doughnut hole� coverage has a few changes. When you reach the limits of coverage, you’ll get a 14 percent discount on generic drugs and a 50 percent discount on brand names.

No matter what type of plan you have, beware. There could be changes to all parts of your coverage. Be sure to check the fine print so you know what you’re getting.

Read your Annual Notice of Change carefully. To learn more about all the changes, go online to www.medicare.gov and look for the publication called “Medicare & You 2012.�

To find a plan in your area, click on Resource Locator, then scroll down to Medicare Plan Finder. You also can call 1-800-MEDICARE (1-800633-4227).

Matilda Charles regrets that she cannot personally answer reader questions, but will incorporate them into her column whenever possible.

Write to her in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send email to columnreply@gmail.com. (c) 2011 King Features Synd., Inc.

T-Star Landscaping All Star Quality

visit Funder Enlightening, Inc. at

FALL CLEANUP SPECIAL!

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9

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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 Enjoy the Beauty of Colorado Without the Sneeze or the Wheeze.

prevent a stroke. Sometimes, simply slowing the heart will restore normal heart pumping without ending the irregular beat. Anticoagulation (blood thinning) is still needed.

MANY WAYS TO TREAT ATRIAL FIBRILLATION DEAR DR. DONOHUE: Will you please discuss heart fibrillation? I take a medicine for high blood pressure.

Medicines for atrial fibrillation made me wild. I also take warfarin for the fibrillation. I’d appreciate any information you have. -- M.L. ANSWER: Atrial fibrillation is one of the most common heartbeat irregularities. The atria are the two upper heart chambers, the site of origin for the electric signal coming from the heart’s inborn pacemaker and producing each heartbeat. Fibrillation is a rapid twitching of the heart muscle. The atria are not contracting; they’re squirming. This decreases the heart’s pumping power.

More dangerously, it also leads to clot formation. Blood stagnates in the squirming atria. Stagnated blood clots.

Those clots can be carried in the circulation to a brain artery, which they block. That’s a stroke. That’s why you take warfarin (Coumadin) -- to prevent clotting (anticoagulation).

Aging, high blood pressure, heart artery disease, heart valve disorders and an overactive thyroid gland are some of the things that lead to fibrillation.

The goals of therapy are to slow the heart, establish a normal heartbeat and

I can’t mention all the medicines used to control fib; there are too many. In place of medicines, a shock to the heart sometimes can restore a normal beat. Heart specialists also use a technique called ablation. They thread into the heart a special catheter that has the capability of creating tiny scars with radio waves or ultrasound waves or by freezing tissue. The scars form an impenetrable barrier to the renegade electric signals causing fibrillation.

The booklet on heartbeat irregularities discusses atrial fib and the more common abnormal heartbeats. Readers can obtain a copy by writing: Dr. Donohue -- No. 107W, Box 536475, Orlando, FL 32853-6475. Enclose a check or money order for $4.75 U.S./$6 Canada with the recipient’s printed name and address. Please allow four weeks for delivery.

Individualized treatment for: Nasal Allergies Chronic Sinusitis Food Allergy Hives Eczema Asthma

719-592-1365 www.csallergy.com

Including Allergy Injections

550 Highway 105 Monument, CO 80132 Wednesday Afternoons

At the Medical Center next to Safeway

it mean when there are bubbles in the toilet after urinating? Every time I urinate, foaming bubbles appear on the surface of the water. Is this an indication of a medical problem? If so, what should I do? -- W.G. ANSWER: When you pour one liquid from a height onto another, bubbles form. That’s normal.

If the bubbles are dense and as extensive as a head of beer, that can be an indication of protein in the urine. For those kinds of bubbles, a urinalysis,

one of the cheapest lab tests, will confirm or refute the presence of urinary protein. *** 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) 2011 North America Synd., Inc. All Rights Reserved

*** DEAR DR. DONOHUE: Many months ago, my feet turned numb. The numbness has spread up to my knees.

It has made me quite unsteady when I walk. My doctor can’t find a cause or treatment for this. Can you suggest anything? -- L.O.

A FRUIT FOR LUNG HEALTH Breathe easier by munching on fruit for your lungs. Eating a couple of apples per week could reduce the risk of developing asthma and improve overall lung function, new research has revealed. Apples contain a variety of healthpromoting phytochemicals, including quercetin, which may be the reason for the lung-boosting benefits.

ANSWER: Your description fits peripheral neuropathy, a deterioration of nerve function, often of the leg nerves.

The causes for it are many. Frequently, however, a precise cause can’t be determined.

You need to make an appointment to see a neurologist as soon as you can. *** DEAR DR. DONOHUE: What does

10

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laurel@gypsywindranch.com

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SNIPPETZ

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with Dr. Cheryl

SUGAR BLUES OR SWEET LIVING

R

ecently Ginger contacted me on facebook wanting to lose weight (she is over 300#). Due to her size, I suggested she do the questionnaires on our website (www.lifestyleforhealth. com) under ‘Test Yourself’. As soon as I saw her Candida Test score, I knew what the problem was - - SUGAR! Candida is a type of parasitic yeast-like fungus that inhabits the intestines, genital tract, mouth, esophagus and throat.

In a normal person, this fungus is held in check with the good bacteria found in the gut. When out of balance, this fungus proliferates and becomes “Candida.�

Many factors contribute to the overgrowth of Candida. Among them are antibiotics, food allergies, birth control usage, and SUGAR! In Ginger’s case it

Contact me to learn more:

Children are prone to Candida if mom has it. A breast-fed baby is less likely to develop it, unless it is picked up in the birth canal. Candida can manifest as thrush, diaper rash, swollen tonsils, ear infections and colic in babies and children.

Candida symptoms mirror so many other conditions it can be hard to identify. Some of the common symptoms include: • chronic fatigue • lack of energy • dry mouth • bloating and/or indigestion • sugar cravings • hormone imbalances • PMS • cramps • sinus issues • ear infections • mood swings • brain fog

*Restrictions apply. For complete details, contact your ViSalus Independent Distributor.

• skin problems • allergies • low immune function To determine if Candida might be a problem for you, go to our website at www. lifestyleforhealth.com. On the home page, on the left side is “Test Yourselfâ€?.

Click and go to the Candida Questionnaire.

If you score is over 100 for men or 150 for women, it is highly likely you are dealing with Candida. Ginger’s score was 250! Clearly she had a problem.

WHAT DO YOU DO?

For additional information contact Dr. Cheryl at: 719-487-3171

Family

3ATURDAY /CTOBER AM PM s &2%% !DMISSION TO THE 0UBLIC

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212 N. Washington St., Ste A, Chapala Building in Monument

4HIS YEAR S OFlNG INCLUDE "LOOD #HEMISTRY 3CREENING HOUR FASTING RECOMMENDED 03! 3CREENING -EN /NLY "LOOD #ELL #OUNT 6ITAMIN $ 3CREENING #OLON #ANCER 3CREENING +IT -UST BE YEARS OR OLDER FOR BLOOD TESTS &LU SHOTS WILL BE AVAILABLE FOR KIDS AND ADULTS SHOT MIST

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off off

%SPECIALLY FOR #HILDREN 7ELLNESS !CTIVITIES BY THE 9-#! #HILDREN S 3CREENINGS

Therapeutic Massage Robyn Graham, LMT 212 N. Washington St. Suite A, Monument

#ALL THE #HAMBER FOR MORE INFORMATION ON HOW YOU CAN PARTICIPATE

719-216-4421 One Per Customer -- Exp 12/31/11

The Vi-Shake (meal replacement drink) has protein, minerals, enzymes, prebiotics and fiber. It eliminates sugar cravings and it feeds the healthy, good bacteria in the gut. As a result it is easier to cut out the offending foods. Contact the Lifestyle for Health ofďŹ ce at 719-487-3171 for more information on the Vi-Shake or for dealing with a suspected Candida problem.

Tri-Lakes

Robyn Graham, RMT 719-216-4421

off

you say - - what is left to eat? Those foods represent the bulk of a Candida-ridden person’s diet. Before cutting those foods out, it will really help if you add something to deal with the sugar cravings.

The first thing is to change your diet and quit feeding the little ‘critters!’ That means omitting sugar, yeast, cheese, fermented foods, dairy and wheat. WHOA

Healing Touch Therapeutic Massage

Healing Touch

Cheryl Townlsey, ND 719-487-3171 www.lifestyleforhealth.com

Fit Into Your Favorite Jeans Again

was clearly her intake of sugar.

3PECIAL THANKS TO THE FOLLOWING 3PONSORS AND 3UPPORTERS off

s ,EWIS 0ALMER $ISTRICT s 3NO 7HITE ,INEN 5NIFORM 2ENTAL

www.HealingTouch-MassageTherapy.com 11

SNIPPETZ : COMMUNITY CALENDAR ®

SNIPPETZ COMMUNITY CALENDAR

THE PALMER LAKE HISTORICAL SOCIETY AND THE TRI-LAKES CENTER FOR THE ARTS PRESENTS:

A VICTORIAN MANSION IN THE COLORADO ROCKIES: THE ESTEMERE ESTATE AT PALMER LAKE

www.fepublications.com

PLAN AHEAD---VIKING FAIR October 22, 9am to 2pm Breakfast, bizarre, crafts, raffles, music, art, baked goods--including Scandinavian items, at Viking Hall, 1045 Ford St. (off Galley, east of Powers), Colorado Springs. Breakfast cost is $8. No admission fee. For information and vendor procedures phone 719-351-3554.

Sponsored by Sons of Norway for fun and funds for humanitarian relief, building and scholarships.

J

oin us on Thursday, November 3, 2011, at 7:00PM at the Tri-Lakes Center for the Arts, 304 Highway 105, Palmer Lake, Colorado, 80133, for the release of a book by Dan Edwards and Roger Ward about the history of Palmer Lake’s famous landmark; Estemere Estate. Estemere was built in the late 1800s by Dr. William Findlay Thompson, the founder of Palmer Lake, and has been recently restored to its former magnificence.

This book is an architectural and social history of a unique 19th century mansion. Learn about Estemere’s many owners and their families and the various ways the structure has been utilized from the time it was built. Also, learn about the changes in the building and the furnishings of the main house through the years. Kim and Roger Ward purchased Estemere in 1998, and

the book documents the extensive work the Wards have carried out to restore and upgrade this beautiful Queen Anne Victorian home and its outbuildings to a grandeur unequalled in its history.

Thus, Estemere, after 125 years, once again stands proudly as the “Crown Jewel” of Palmer Lake.

This program is free and provides an opportunity to meet and discuss the history of Estemere with the two individuals who are most knowledgeable about this local landmark. The book and DVD are available for purchase and signing, with a portion of the proceeds going to support the Palmer Lake Historical Society and the Tri-Lakes Center for the Arts. A cash bar will be available. Visit us at: www.palmerdividehistory.org.

TEDDY BEAR TEA My Cuppa Tea 7828 N Academy Blvd, CS, CO 80920 Saturday, October 22 - 2 pm Local author, Maria Faulconer, and Penny Gavin will be hosting a Teddy Bear Tea for children (6 years & older) and his/her teddy bear.

For only $12 per child, they will be treated to Chocolate Tarts, T-Bears Strawberry Cream “tea,” as well as an autographed copy of Arianna & The Strawberry Tea. In this delightful children’s book, Arianna and Monsieur Le Bear take the Grand Hotel by storm and change centuries of tradition. As there is limited seating, reservations are essential. RSVP by Oct 18. Call 719.593.2386.

WORKSHOP: HOW MONEY WORKS! 10/25/11, 11:30 – 1:00pm the Tri-Lakes Business Incubator, 14960 Woodcarver Rd, Colorado Springs, CO 80921 About: We all go to school for 12 to 16 years for reading, writing and arithmetic and we never really learn anything about How Money Works! I will show you how to apply financial principals to grow and PROTECT your money for college funding, retirement planning or simply wealth accumulation - with money you never even knew you had! Presented by: Michael Clark-Dreibus, Keep-A-Smile Insurance. Cost: $5 TLBI members, $10 non-members Advanced Registration: Heather McEntee,info@ trilakesbi.org, 719-481-4877 x100 CRAFT FAIR & CHILI-SOUP-PIE LUNCHEON & ELECTRONIC RECYCLING & DOCUMENT SHREDDING Colorado Springs Masonic Center 1150 Panorama Drive, Colorado Springs Saturday, October 29 Craft Fair 9-5; Luncheon 11-5; Electronic Recycling & Document Shredding 10-2 Sponsored by Centennial Chapter #58 Order of the Eastern Star, a non-profit charitable organization. Fundraiser for charities. Cost for Luncheon: Adults $6, Children 12 and under $3.

SAFE TRICK OR TREAT October 30 from 3:00 to 5:00pm Bring the kids downtown for a night of safe trick-or-treating as Monument merchants provide treats, activities and show-off their creative costumes. The Monument Police Department patrols the streets to help insure the safety of our goblins.

FALL CRAFT SHOW IN THE BLACK FOREST November 3-6, 2011 Don’t miss the 47th Annual Black Forest Arts & Crafts Guild Fall Show & Sale held at the Black Forest Community Center (Black Forest Rd. just north of Shoup Rd.) Hours are Thurs-Sat. 9 am to 8 pm, Sun. 10 am to 2:30 pm.Over 80 artisan and culinary members will be selling handmade jewelry, ceramics, soaps and candles, Christmas decorations and ornaments, jams & jellies, baked goods and much more. Admission is FREE. Only Guild members are allowed to sell. The Guild is a Colorado nonprofit organization. A portion of all sale proceeds will benefit the Black Forest Arts & Crafts Guild Scholarship Fund and the Black Forest community. Due to fire regulations, no strollers are allowed. The facility is wheel chair accessible. Visit our web site for more information at www.BFACG.org.

TRI-LAKES BUSINESS INCUBATOR FREE MONTHLY SEMINAR HVAC: The Positive Impact It Can Have on Your Business!

Tri-Lakes Business Incubator 14960 Woodcarver Rd. Colorado Springs, CO 80921 Tuesday, Nov 8, 2011 - 7:00 - 8:00pm We will discuss: The role of your HVAC system in your business, The types of maintenance programs available, What you need to know about preventative maintenance proposals/ agreements, Why a preventative maintenance program can be beneficial to your business.

RSVP TO: Tri-Lakes Business Incubator, Heather McEntee info@trilakesbi.org / 719481-4877 x100.

BANNER CHRISTMAS Historic Downtown Monument is sponsoring the the third annual “Banner Christmas.”

Banner Christmas features original Christmas art banners, handpainted by renowned local artists. The banners are on display on lamposts in the historic downtown of Monument.

Unveiling is the Friday after Thanksgiving and they remain on display throughout the holiday season. If you are interested in painting a banner for the 2009 season, please contact Vicki Mynhier at 719.460.4179 or email at vmynhier@townofmonument.net.

SMALL TOWN CHRISTMAS Held the first Saturday in December from 10:00am to 2:00pm, this day full of holiday activities includes visit from Santa and Mrs. Claus along with crafts and activities for children, open houses and other special events as the merchants of Historic Downtown Monument celebrate a Small Town Christmas

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

SNIPPETZ • THE IMAGE • THE TREASURE CHEST 12

SNIPPETZ WEEKLY MAGAZINE ®

GREAT (LOCAL) AMERICAN ENTERTAINMENT! : NG RNI THE A W OR TED TF R NO HEA AK E W

P

By Nick Y.

icture for me yourself in a sea of strangers. You’re all moving, some are jumping, and your head is swaying in the lights and fog. The atmosphere is mesmerizing and you can’t take your eyes away. Your brain is taking it all in, listening and analyzing. You’re undoubtedly having the best time of your week. Let’s face it, love it or hate it, America is run on entertainment. Whether it’s the latest celebrity gossip, or the next great Hollywood blockbuster, we’re all drawn in by the thought of being amused.

In this day and age there are endless forms of entertainment. It says here that the best is an old classic – Live Music.

and Crosser and Davis (Nov. 5th) will offer bar-goers all-time classis hits, keeping ones feet and hips moving throughout the night. And this Saturday, October 22nd, Rodz will present local favorite ‘Plenty of Fish’. As one of the best and most original acts in Colorado, the duo offers a show unlike any other.

With the charm an intimacy of two young poets, their sound soars to indie-heights fit for a quartet. We recommend you see them live, this Saturday.

Pinz also presents local up-andcoming original acts of all kinds in their ‘Concerts in the Dark’ series.

Having recently hosted bands like IO Atlas, Flinch, Doubtful Sound, and solo artists Sam Summerfield, Dan Hasey, and Talia Hoit; ‘Concerts in the Dark’ is breaking ground, and becoming an outlet for those who desire a music scene in the Tri-Lakes Area. Locals can see new artists (including touring act Kent Jensen) as the music series th th Pinz Bowling Center supports this continues November 6 and 20 . pastime. As the premier entertainment center in the Tri-Lakes area, For more information on live music Pinz will offer a diverse selection at Pinz and Rodz, call the center of performing artists in 2011. First at (719) 487-7469 or visit “Pinz at Rodz Bar and Grill, bands like Bowling Center” or “Concerts in Trademark Infringement (Oct. 29th) the Dark” on Facebook.

13

SNIPPETZ

®

DINING GUIDE Live Music Every Tuesday and Saturday

GRAND OPENING SPECIAL FOR THE MONTH OF OCTOBER: Family Owned and Operated

345 Mission Hill Way Colorado Springs, CO 719-304-3434 www.lazingaraatgleneagle.com

Another Pint American Ale House

HALF PRICE APPETIZERS AND A FREE GLASS OF HOUSE WINE

@

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

with purchase of any entrée

$2.99 Burger at Both Locations!

LA ZINGARA ITALIAN RESTAURANT HAS MOVED!

$0.98 PBR Pints On Wednesdays!

Catch all your MLB Games Here!

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

We are now open at our new location in the Gleneagle Golf Club located in the heart of the Gleneagle community nestled between Northgate Road and Baptist Road just east of I-25.

We will be open year round for lunch, dinner and will be serving brunch on Saturday and Sunday beginning October 8th. Come enjoy the beautiful views and cozy atmosphere along with the same delicious Italian food, wine and wonderful service you have come to love.

For questions or information prior to October 1st you can call Mary Beth at 719-208-9300.

LUNCH: 11:00AM - 2:00PM (CLOSED MONDAY’S FOR THE WINTER) 251 Front Street, Monument 6 am - 3 pm 7 days a week! www.coffeecupmonument.com (719) 488-0663

DINNER: 4:30PM UNTIL CLOSE - TUESDAY THROUGH SATURDAY BRUNCH: 7:00AM - 2:00PM SATURDAY AND SUNDAY

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

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FEELING YOUR OATS O

ne of my favorite breakfast foods is a bowl of oatmeal with dried fruit and brown sugar or maple-flavored agave syrup to sweeten it up. Most of us know we’re supposed to eat more whole grains. The difficult part is finding exactly which foods are 100 percent whole grains.

Oatmeal is a whole grain because it contains all of the parts of the oat grain, including the bran, endosperm and germ. The interesting thing is that when we eat the oatmeal most of us grew up with, we aren’t eating the grain in its original form. We are usually eating rolled oats. Rolled oats have been steamed and flattened. That process decreases the cooking time so old-fashioned oatmeal can be prepared in 10 to 25 minutes. Quick-cooking oats that can be prepared in 3 to 5 minutes have been cut even more finely to reduce cooking time.

Some people prefer steel-cut oats. The primary difference between steel-cut oats and rolled oats is the shape of the grain. Steel-cut oats are not flattened and the grain is cut into thirds and then packaged for sale. When preparing steel-cut oats, it’s best to use 4 cups of water to each cup of oats.

The cooking time for steel-cut oats is 30 to 40 minutes. Steel-cut oats have a chewy texture and hearty flavor.

A popular product in many households is instant oatmeal. This cereal can be prepared quickly because the oat grain is partially cooked, dried and then rolled very thinly. If you read the label of many instant oatmeal packages, you will find that they have nutrients that old-fashioned and steel-cut oats don’t have. These nutrients have been added.

A disadvantage of some instant oatmeal is that a significant amount of sugar also has been added.

Look for packages of instant oatmeal that contain less than 7 grams of added sugar per packet.

All oatmeal is a good source of fiber, magnesium and thiamine. It also contains phosphorus, potassium, iron and copper. Oatmeal carries a health claim on the food label because of the fiber content. The health claim is that oatmeal -- along with a diet low in saturated fat and cholesterol -- may reduce the risk of heart disease. Oatmeal is a good

source of soluble fiber, which acts as a sponge in the digestive tract to help remove cholesterol from the body.

Serving Anne & Mann’s Gourmet Ice Cream

The recipe below for Homemade Instant Oatmeal allows you to control the amount of sugar and saves you money. It also includes a variety of tasty and nutritious variations so you can change the recipe to suit your taste. This simple recipe allows you to cook breakfast quickly, and wake up in the morning really feeling your oats!

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Making your own “instant” oatmeal instead of buying the packaged variety is a much healthier way to enjoy its nutritional benefits. You also can stir up all of the dry ingredients and divide the portions into re-sealable bags. All you’ll need to do in the morning is add water!

1 1/3 cups quick-cooking oats 2 2/3 cups water 1 teaspoon cinnamon 1 teaspoon agave syrup or sugar substitute 1/2 teaspoon salt Combine all ingredients in a large microwave-safe bowl. Microwave on high for 1 minute and 15 seconds. Stir and microwave for an additional minute.

Allow oatmeal to set in the microwave for a couple minutes before serving. Makes 4 servings.

10:00AM - 9:00PM Closed Mondays

Rock House Ice Cream

is an award-winning children’s author, a culinary historian and the author of seven cookbooks. She’s known as The Kitchen Diva and is the executive producer and host of “The Kitchen Diva!” cooking show on Hulu.com. Her latest cookbook is “The Kitchen Diva Cooks!” Her new inspirational book is “Ten Ingredients for a Joyous Life and a Peaceful Home -- A Spiritual Memoir” and was co-written with Pastor Salem Robinson Jr. (www.dunnsmemorial.com) Visit her website at www.divapro.com. (c) 2011 King Features Synd., Inc.

Variations: Stir in some or all of these delicious ingredients to make your bowl of oatmeal extra special.

1 medium apple, peeled and chopped into small pieces LUNCH SPECIALS 2 tablespoons walnuts or pecans, coarsely chopped CHICKEN WRAP OR SALAD & SOUP FOR $4.95 2 tablespoons raisins

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15

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SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

Sports Quiz

By Marge Svenson

By Chris Richcreek

10. LITERATURE: Where does Shakespeare’s play “Romeo and Juliet” take place

1. In 2010, Toronto’s Jose Bautista became the seventh player in majorleague history to have at least 50 homers, 100 walks and 30 doubles in a season. Name three of the other six to do it.

2. When was the last time before 2010 that a player won the N.L. home run season title with fewer than 47 round-trippers?

3. The Rams’ Marshall Faulk (1999) was the second running back in NFL history to have 1,000 rushing yards and 1,000 receiving yards in the same season. Who was the first?

4. What school holds the NCAA men’s basketball record for most consecutive appearances in the NCAA Tournament?

5. Name the first California-born and -raised player to be a first-round NHL draft pick.

6. Which was the first school to post dual (men’s and women’s) three-peat championships in NCAA track and field?

7. In 2011, Martin Kaymer became the second German to take the top spot in the world golf rankings. Who was the first?

(c) 2011 King Features Synd., Inc.

(c) 2011 King Features Synd., Inc.

1. MOVIES: What famous Hollywood couple starred in the 1967 movie “Guess Who’s Coming to Dinner?”

2. TELEVISION: What was Lurch’s job on “The Addams Family”?

3. MUSIC: What is Jo Jo’s hometown in the Beatles’ song “Get Back”?

4. RELIGION: On what date is All Saints Day celebrated in Western Christianity?

5. PHYSICS: Who is known as “the Father of the Hydrogen Bomb”?

6. PRIZES: Who won the 1939 Pulitzer Prize for history with his biography “Abraham Lincoln: The War Years”?

7. HISTORY: Which French king abdicated during the Revolution of 1848?

8. GENERAL KNOWLEDGE: When did the first Yankee Stadium open?

9. INVENTIONS Who invented the electric battery?

1. Which group released “In Memory of Elizabeth Reed” in 1970?

2. In what consecutive years were these Elvis singles released: “Heartbreak Hotel,” “All Shook Up” and “Don’t”?

3. Name the group that had a No. 1 pop hit with “Pick Up the Pieces.”

4. Which group released “Heartache Tonight” and “In the City”?

Bonus for knowing the name of the album both songs appeared on.

5. Who had a No. 1 R&B hit with a cover of “Show and Tell” in 1989?

6. Which Motown group had a hit with “It’s the Same Old Song,” and when? (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 (17).

By Sam Struckhoff

New DVD Releases for Week of October 17, 2011 PICKS OF THE WEEK

“Bad Teacher” (R) -- Cameron Diaz is Elizabeth, a selfish, hard-partying schoolteacher waiting to land the man who can rescue her from her the job she hates.

While the film promises outrageous and shocking humor, it always seems to go the slow and obvious route. Chock-full of cliches and mediocre performances, “Bad Teacher” scrapes by with a grade of C. The lesson here is if you want an audi-

ence to like a movie with an unlikable protagonist, it should at least be funny. Diaz doesn’t have the proven comedy talent of Jason Segel or even Justin Timberlake, who both go underutilized.

“A Better Life” (PG-13) -- This poignant drama follows Carlos (Demian Bichir), an immigrant and a single-father in Los Angeles. Working hard as a landscaper, Carlos’ sole motivation is to give his teenage son, Luis, all the opportunities he never had.

With artful directing and a career-highlight performance by Bichir, trimming trees becomes a glimpse at another life, and buying a pickup truck embodies the first step to a new future.

Without any trick moves or Hollywood silliness, the father-son journey plays out with a compassionate tone. “A Better Life” humanizes murky issues without bludgeoning the audience with social messages.

“Page One: A Year Inside The New York

Times” (R) -- In a turbulent time of new technology and trailblazing trends, one of the most respected newspapers in the world can hear the barbarians outside the gates. This documentary takes a multidimensional look at The New York Times, its staff and the myriad winds of change blowing down its venerable doors. It’s not just business, as the film shows that the heart of traditional journalism -- dedicated reporters and editors pouring themselves into the job -- is still beating.

DOG OF THE WEEK

“Pirates of the Caribbean: On Stranger Tides” (PG-13) -- Captain Jack Sparrow (Johnny Depp) is pushed back in front of the camera to stumble through a few more tropical locales for this fourth installment of the rapidly deteriorating “Pirates of the Caribbean” series. This time, Captain Sparrow is forced into service with the leg-

16

endary Blackbeard and a beauty named Angelica (Penelope Cruz). That’s about where the writing staff gave up, because everything beyond that is a mess of a paper-thin plots and here-we-go-again adventure.

Way back in 2003, the first “Pirates” was an exhilarating surprise of a cinematic journey. Since then, each movie has pulled that magic apart by the seams. Even the additions of the gorgeous Cruz as a new romance and the menacing Ian McShane as Blackbeard couldn’t keep this one afloat.

Like the mutterings of Sparrow himself, this franchise has descended into an incoherent jumble of sailorisms and fading charm.

TV RELEASES

“V: The Complete Second Season” “Thundercats: Seasson 1” “American Pickers: Volume Two” “Top Shot: Reloaded -- Season 2” (c) 2011 King Features Synd., Inc.

SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

TRIVIA TEST ANSWERS

LIBRA (September 23 to October 22) A difficult experience begins to ease. That’s the good news. The not-so-good news is a possible complication that could prolong the problem awhile longer.

1. Spencer Tracy and Katharine Hepburn 2. Manservant 3. Tuscon, Ariz.

4. Nov. 1 5. Edward Teller 6. Carl Sandburg 7. Louis Philippe 8. 1923 9. Alessandro Volta 10. Verona, Italy

OCTOBER 17, 2011

ARIES (March 21 to April 19) You’re moving from a relatively stable situation to one that appears to be laced with perplexity. Be patient. You’ll eventually get answers to help clear up the confusion around you.

SPORTS QUIZ ANSWERS 1. Barry Bonds, Jimmie Foxx, Luis Gonzalez, Babe Ruth, Sammy Sosa and Hack Wilson.

2. Dante Bichette led the National League with 40 homers in 1995.

3. San Francisco’s Roger Craig, in 1985.

4. North Carolina, with 27 seasons (1975-2001).

5. Jonathon Blum was the 23rd overall pick by Nashville in 2007.

6. Texas A&M, 2009-11.

7. Bernhard Langer, in 1986.

FLASH BACK ANSWERS 1. The Allman Brothers. The album version was seven minutes, but it was stretched to 13 minutes on the live “At Fillmore East” double album.

2. 1956, 1957 and 1958, respectively. All were No. 1 hits on the U.S. pop charts, while “Heartbreak Hotel” also made it to the top of the country charts.

3. The Scottish group Average White Band, in 1974.

The song went to No. 5 on the R&B charts, too.

4. The Eagles, in 1979, on their “The Long Run” album.

5. Peabo Bryson. He’s won two Grammys, both for movie themes for “Beauty and the Beast” and “A Whole New World.”

6. The Four Tops, in 1965. The group has been around since 1953.

TAURUS (April 20 to May 20) A vexing situation tempts you to rush to set it all straight. But it’s best to let things sort themselves out so that you can get a better picture of the challenge you’re facing.

GEMINI (May 21 to June 20) Financial matters could create some confusion, especially with a torrent of advice pouring in from several sources. Resist acting on emotion and wait for the facts to emerge.

CANCER (June 21 to July 22) That goal you’ve set is still in sight and is still in reach. Stay with the course that you’re on.

Making too many shifts in direction now could create another set of problems.

LEO (July 23 to August 22) It might be time to confront a trouble-making associate and demand some answers. But be prepared for some surprises that could lead you to make a change in some long-standing plans.

VIRGO (August 23 to September 22) Congratulations. You’re making great progress in sorting out all that confusion that kept you from making those important decisions. You’re on your way now.

17

SCORPIO (October 23 to November 21) Your self-confidence gets a much-needed big boost as you start to unsnarl that knotty financial problem. Expect some help from a surprising source.

SAGITTARIUS (November 22 to December 21) Congratulations. Any lingering negative aftereffects from that not-so-pleasant workplace situation are all but gone. It’s time now to focus on the positive.

CAPRICORN (December 22 to January 19) Your self-confidence grows stronger as you continue to take more control of your life. Arrange for some well-earned fun and relaxation with someone special.

AQUARIUS (January 20 to February 18) As usual, you’ve been concerned more about the needs of others than your own.

You need to take time for yourself so that you can replenish all that spent energy.

PISCES (February 19 to March 20) Stronger planetary influences indicate a growing presence of people eager to help you navigate through the rough seas that might mark your career course.

BORN THIS WEEK: You can balance emotion and logic, which gives you the ability to make choices that are more likely than not to prove successful. (c) 2011 King Features Synd., Inc.

SNIPPETZÂŽ BUSINESS, FINANCE & LAW 4) Do you have special items that need a separate rider, such as jewelry, musical instruments, boats, artwork, coins or computers? Do you run a business from your home?

Social Security Column

AUTUMN OFFERS LESSONS FOR RETIREMENT

5) Are other structures on your property covered? What about their contents, such as tools?

7 REASONS TO REVIEW YOUR HOME INSURANCE

B

uying a home is one of the biggest outlays the average consumer will ever make, and buying insurance coverage for that home can be so complicated that it’s possible to overspend and still not have the coverage you need.

Here are some questions to consider: 1) What does your policy really cover?

Take the time to sit down with your insurance agent to find out what is and isn’t covered in all types of disasters, such as fire, flood, wind, earthquake, hurricane, sinkhole, mold, broken pipes and theft.

2) Are your coverage levels out of date?

If you haven’t increased your coverage amounts in a number of years, the amount you receive after a disaster might not cover all your expenses, especially if repair and rebuilding are required. Have you added on to your home? Are those areas covered? How about personal property within the house?

3) Understand terms used in the policy, including “personal liability and medical payments� (if someone gets hurt on your property), “guaranteed replacement cost,� “actual cash value� and “inflation guard.�

6) Will your policy cover living expenses if you have to live elsewhere while your home is being repaired?

7) How much can you save by raising your deductible? Can you afford the higher deductible if you have to file a claim?

Shop around for the best price and coverage, and get quotes from three or four companies. Ask about discounts from combining your homeowner’s policy with vehicle coverage. Ask about other discounts if you have a burglar alarm in your home or vehicle, or if you belong to an association, or if you are age 55 or older.

The government has a number of publications to help consumers get the best coverage for their money. Download “Twelve Ways to Lower Your Homeowners Insurance Costs� for free online (http://pueblo.gsa.gov) or order the booklet for $1.50 from Federal Citizen Information Center at 1-888-878-3256.

Check the site for hundreds of other consumer booklets. Look especially for the Consumer Information Catalog that lists 200 free and low-cost publications. Also see the 2011 Consumer Action Handbook with 161 pages of contacts in state and federal government agencies, as well as consumer organizations.

By Rose Fortune Social Security Public Affairs Specialist in Colorado Springs

I

n autumn, animals know winter is coming and take the steps to prepare. Bears grow thicker fur and settle in for peaceful hibernation.

Squirrels collect and store acorns and other nuts. Birds, favoring warmer weather and having the means to make it possible, fly south for the winter.

When it comes to preparing for retirement, we can learn from the animals -- making sure the transition into the later years of our lives is as smooth and comfortable as possible. The best place to start is a visit to www.socialsecurity.gov.

You can get an instant, personalized estimate of your future Social Security benefits at www.socialsecurity.gov/estimator.

David Uffington regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 328536475, or send e-mail to columnreply@ gmail.com. (c) 2011 King Features Synd., Inc.

9OU 7!.4 TO JOIN THE #HAMBER OF #OMMERCE BECAUSE OF ALL THE BENElTS AND OFFERINGS -!+% YOU MONEY AND 3!6% YOU MONEY

To prepare for a comfortable retirement, you should start saving as early as possible. Social Security is the foundation for a secure retirement, but was never meant to be the sole-source of income for retirees. In addition to Social Security, you also will need savings, investments, pensions or retirement accounts to make sure you have enough money to live comfortably when you retire. Learn about retirement planning and how to save at www.socialsecurity.gov/retire2/other2.htm. But wait, there’s more.

If you decide you’re going to be a “snowbird� when retirement comes, and go to warmer climates during winter weather, make sure that your Social Security payment goes with you. The best way to do that is to use direct deposit. You never have to worry about where your monthly payment will be delivered — it will show up in your bank account whether you’re in the Dakotas or the Florida Keys. Learn all about electronic payments at www.socialsecurity.gov/deposit.

Whether you’re in the spring, summer, or entering the autumn of your life, the best time to start preparing for retirement is always the present. A good place to start is at www.socialsecurity. gov. Even the animals know they can’t wait until the last minute to prepare for a comfortable winter. Take a lesson from our furry and feathered friends and prepare for your own comfortable retirement.

IN 1752, BENJAMIN FRANKLIN DISCOVERED ELECTRICITY IN A FIELD. IN 1935, WE WERE CALLED UPON TO GET IT THERE. Supplying electricity to rural America didn’t happen overnight. It took vision, cooperation and determination. Today, as a member of an electric co-op, it’s your turn to influence the future by saving energy. Learn how at TogetherWeSave.com.

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®

SNIPPETZ BUSINESS, FINANCE & LAW

IT’S THE LAW!

by Christopher C. Meyer, Attorney at Law, P.C.

THE MARRIAGE ZONE:

MILITARY DIVORCE

By Christopher C. Meyer © February 2008

T

here are so many people in the military in our area that divorces involving military personnel are commonplace. There is a popular misconception that divorces involving military personnel are different from civilian divorces. In fact, the differences between military divorces and civilian divorces are not very significant.

Lisa Welch Stevens Attorney at Law, P.C.

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

Business Formation

❖

Business Planning

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Intellectual Property

❖

Employment Law

❖

Mergers and Acquisitions

❖

Wills, Estate, Probate

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Transactional (Contract) Services

Member: Colorado & El Paso County Bar Association

719.488.9395

lisa@lwslawfirm.com • www.lwslawfirm.com

DIVORCE / FAMILY LAW

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

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

www.cmeyerlaw.com

You only have

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If you are in the military, and if you and your spouse have lived in Colorado for more than 90 days and your children have been here for more than six months, a Colorado court can divide your property and debts, determine whether maintenance (alimony) is appropriate, and make all decisions regarding parental responsibilities (parental decision-making and parenting time).

SHOT at retirement

Military pensions are divided much the same as civilian pensions. There is another popular misconception that unless the spouse of the military service person has been married to the service person for at least ten years, the non-military spouse cannot receive part of the service person’s pension. Ten years is significant only in that the military will not pay part of the pension to the nonmilitary spouse unless the ten-year requirement is met.

This means is that if the marriage is less than ten years, the Court will order the service person to pay part of the retirement directly to the non-military spouse, rather than the military itself making the payment.

Some people in the military believe that they can convert part of their pension to disability and avoid paying part of the disability to the non-military spouse, thereby reducing the total amount the non-military spouse gets.

It is correct that the Court cannot divide the disability.

However, the Court can adjust the division of the pension or adjust the maintenance or property award to make up for the difference, so that the total amount awarded to the non-military spouse is not diminished by the disability.

If you are legally separated from a military spouse, you are still eligible for the same benefits you enjoy if you are married. This scenario is an example of a good reason to look into a legal separation in Colorado, rather than getting a divorce. If you have been married to a person in the military for twenty years while the military spouse has been active service for twenty years, you retain your military benefits such as health insurance, etc., even if you get a divorce.

Good luck with your military divorce or legal separation as you leave the marriage zone, and don’t believe all that you hear about additional complications.

Chris Meyer is an attorney practicing family law in Northern El Paso County. Chris’ law practice is limited to domestic relations cases. Chris has been practicing law since 1977. He is a former prosecutor and is licensed to practice law in Colorado, Florida, California and Wisconsin. Chris can be contacted at 719-4889395. Chris’s website (www.cmeyerlaw.com) has additional divorce and family law information and many other articles.

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Learn how to protect your retirement account from losses, maintain upside potential, and maximize your lifetime income. Call us today for your PERSONALIZED SAFE MONEY REPORT. Illustration period: 1-1-2000 through 1-1-2011. Each example shown assumes $100,000 initial premium with no withdrawals. Market value based on the S&P 500® Index . Historical performance of the S&P 500® Index should not be considered a representation of current or future performance of the Index or of any annuity.

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