Snippetz_Issue 537

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WEEKLY MAGAZINE

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SNIPPETZ RESURRECTS SOME

OLD WEST HEROES by Deborah Stumpf

ISSUE 537 • FEBRUARY 13, 2012

“Whenever you get into a row be sure and not shoot too quick. Take time. I’ve known many a feller slip up for shootin’ in a hurry.” - Wild Bill Hickok

T

here’s nothing like the good old days, especially those from the Wild West! They are full of adventure, gunfights, good guys and bad guys. The Wild West is indeed glamourized in books, movies and television where tall tales and even a few facts abound. We’ve selected just a couple of the notorious men and one woman of the west and their exploits to highlight.

BUFFALO BILL Born in 1846 in Scott County, Iowa, William Frederick Cody, aka Buffalo Bill was a man of many careers. He was

Old West Heroes... Continued on Page 2

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Old West Heroes... Continued from Page 1

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a U.S. Army scout, a buffalo hunter, Indian fighter and eventually an actor/performer. But first he worked as a messenger in Kansas for a wagon-freight company that eventually financed the Pony Express. His father died when he was 11, precipitating his early entry into the life of a hunter, horse wrangler and Indian fighter. He served in the Civil war from 1861 to 1865 and then worked for the U.S. Army as a civilian scout and dispatch bearer.

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Cody for his “The Scouts of the Prairie” drama in 1872. Cody proved to be a true showman and in 1883 produced the Wild West Show, an exhibition that featured Cody himself with “fancy” shooting, buffalo hunting, cowboys, Indians and the Pony Express ride. Annie Oakley, Calamity Jane and Chief Sitting Bull were known to make appearances on the show. Cody made and lost more than one fortune. He was not known to be good with his money. He was still performing two months before his death in 1917. He died in Denver, Colo. and is buried on Lookout Mountain.

Cody earned his nickname as Buffalo Bill when he hunted and slaughtered more than 4,000 buffalo between 1867 and 1868 in order to feed Union Pacific Railroad construction crews.

MORE ABOUT BUFFALO BILL:

From 1868 to 1876, he was a valuable guide and scout for the U.S. 5th Cavalry during the government’s attack on the Indians in the west. He was awarded the Medal of Honor for his efforts in 1872, which was soon revoked once it was determined that he was indeed a civilian; only officers or enlisted men in the army were eligible for the award. The U.S. Army eventually restored the Medal of Honor posthumously to Cody in 1989.

• Between 1909 and 1915, he made five movies. One was his autobiography, “The Life of Buffalo Bill.”

But Cody’s Medal of Honor was probably not what catapulted him into Western folk hero status, but rather his entry into stardom. Author Ned Buntline recruited

• Cody paid Sitting Bull $50 per week for four months to tour with the Wild West Show in 1885. They had a written contract which is reported

• In 1887, he reportedly took his Wild West Show on the ‘road’ to London to perform for Queen Victoria. Along with the cowboys and Indians who performed with him, he brought 180 horses, 18 buffalo, 10 elk, 10 mules, 5 steers, 4 donkeys and 2 deer.

to be the only known document with Sitting Bull’s signature. However, some sources note that Sitting Bull sold his autograph for $1.50 and made good money doing so. • Cody often took thrill seekers on buffalo hunts. A couple of them were George Armstrong Custer and the Grand Duke Alexis of Russia.

CALAMITY JANE Martha Jane “Calamity Jane” Cannary was born in 1852 in Princeton, Mo. She was a rather colorful person with a reputation for a lifestyle full of adventure and not exactly clean living. It all began when her family made the five-month journey from Missouri to Virginia City, Mont. in 1865. Her mother died during the trip and her father died about a year later. Jane was the oldest of six children and consequently took charge, moving the family to Wyoming. As the provider, she found herself hanging out with the men, hunting and traversing the west. She was known as someone who enjoyed the taste of whiskey and could “cuss like a man” by the ripe old age of 13.

Old West Heroes... Continued on Page 3

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Old West Heroes... Continued from Page 2 There is a great amount of disparity between Jane’s autobiography and what has been written about her by biographers and historians. For example, she reports joining General George Custer in Arizona for the “Indian Campaign.” There is no historical evidence that Custer was indeed there. She does state that at this time she begins to dress like a man. That part appears true and well documented. She reports many dangerous missions as a scout locating Indians and as a Pony Express rider carrying mail. Some historians report no such adventures; instead a life of prostitution and alcoholism. She did act in some vaudeville shows and Buffalo Bill’s Wild West Show; however, she would reportedly get drunk and take to shooting up the theater or saloons she would frequent. After recovering from a serious illness in 1875, Jane went to Fort Laramie where she met Wild Bill Hickok. She reports marrying Wild Bill, but it is documented that he married Agnes Lake Thatcher. She also reports gold mining with Wild Bill in Deadwood, where he was killed. Jane continued to gold mine after his death. It is reported that she eventually married Texan Clinton Burk and possibly others. Court records note her more unlawful cohabitation practices. Yes, those were part of court records at the time. It is also reported that she had a daughter given up for adoption. She died in August of 1903 in South Dakota and is buried next to the love of her life, Wild Bill Hickok.

CALAMITY JANE REPORTEDLY HAD A SOFT SPOT: • During a smallpox outbreak in Deadwood, Jane apparently cared for the afflicted when others wouldn’t.

A live music event in benefit for Kevin Swenson.

• She opened and ran a wayside inn in Yellow Stone, Wyo. for about a year where weary travelers could stop to be fed.

Joining hands for his speedy recovery.

WILD BILL HICKOK James Butler Hickok was born in 1837 in Troy Grove, Ill. He was known as a scout, lawman, gunfighter and actor. His acting prowess was short-lived in Buffalo Bill’s Wild West Show. He received most of his notoriety from his skills as a marksman. During the Civil War he worked for the Union Army as a scout, a spy and a marshal. The “Bill” came from an alias he used during the Civil War: William Haycock. He possessed a protruding upper lip, causing many to call him “Duck Bill.” Once he grew a mustache, he started referring to himself as “Wild Bill.” The name stuck even though he went back to using his real name after the war. He also served as a scout for George Custer during the Indian Wars.

Sunday, February 19th 11am to 5pm Sibell's Barn (on Front Street across from La Casa Fiesta) Historic Downtown Monument

Live music, beverages, food and prize raffle $10 Donation Per Person at the Door Appreciated

Hickok became a well-known marshal and lawman, particularly in Hays City, Kansas and as sheriff of Ellis County, followed by marshal in Abilene. His gun fighting skills served him well in these jobs and he became well respected and feared. He was relieved of his duties after an accidental shooting of Special Deputy Marshal Mike Williams. Depending on which report you read, anywhere between 50 and 200 drunken cowboys on a mission to kill Hickok for Phil Coe, saloon owner, initiated a shootout one day. When Williams turned a dark corner to come to Hickok’s rescue, Hickok shot and killed him, not realizing who he was.

from gambling, which turned out to be the scene of his demise. One night while playing poker in Deadwood, Jack McCall walked into the saloon and shot Hickok in the back of his head, killing him on the spot. A motive for the murder was never confirmed, although it may have had something to do with a gambling incident the day before when McCall lost his money and Hickok offered to give him breakfast money. McCall claimed in trial that he was avenging the death of his brother by a lawman from Abilene, name unknown but assumed to be Hickok. McCall was acquitted after this trial, but was brought back to trial after bragging about the murder. He was then found guilty and subsequently hung.

After Williams’ death, Hickok tried his hand at acting, then did some gold mining where he met Calamity Jane. His health was declining, most notably affecting his eyesight with possible glaucoma or trachoma. He also made a decent living

MORE ABOUT WILD BILL: • Calamity Jane reported to have married Wild Bill, but this has never been confirmed by any records. • At the time of his death, Hickock was holding a pair of black eights and black aces in a poker game (fifth card unknown), a hand now known as “deadman’s hand.” • In 1860, Hickok found himself in a fight with a mother bear, which injured him enough to require about four months of recuperation.

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Spend an evening with Kym rock and learn how To defend yourself and “Fight like a girl!” Great fun and prize drawings Ages 10 & up/all skill levels Pre-registration available at: Call 719-648-1195 Fightlikeagirlcoloradosprings.Com

Adult and teen inspired event of neon lights, music, dancing and food. This will be a blast! Proceeds from this event support FamilyNation non-profit services. You will not be bored at this event.

ARTSITES 2012 CALL TO ARTISTS

YOUTH EMPOWERMENT FESTIVAL 2012 Palmer Lake Town Hall April 28, 2012 4 pm - 11 pm

Tri-Lakes Views is inviting artists to participate in ARTSites 2012. ARTSites is a public outdoor art exhibit showcasing sculpture on pedestals which have been installed around the community and in the newly established Monument Sculpture Park at Big Red. The exhibit is on display for one year and is featured in the annual ARTSites map, distributed to restaurants, hotels and shops throughout the area. Artists receive a $300 stipend for each piece accepted by the jury. Entries must be received by March 10, 2012 and must include digital images of the entries along with title, material, size and value of each piece and name, address, phone and e-mail of the artist. Mail entries to: Tri-Lakes Views PO Box 2564, Monument, CO. 80132. Details: www.trilakesviews.org Questions: bkonarski@earthlink.net

PINZ BOWL-A-THON FOR FAMILY NATION Pinz Bowling Center March 16 2012 - 6-10p March 17, 2012 - 2-6 Come kick your friends pinz and show them whose the best strike-out champion in Tri-Lakes. Bowlers will bowl for strikes to win this competition. The winners will receive a trophy. Also, every strike will win a player an entry into our drawing for gift certificates.

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8TH ANNUAL HOPE AWARDS DINNER *Caring Hands, Warm Hearts* April 13, 2012 6pm The Club at Flying Horse Cerebral Palsy Association of Colorado Springs is pleased to recognize Dr. Steven Luebbert, MD Pediatrician,Derek Kirkham DDS, Jeffrey Kahl DDS, Zachary Houser DDS of Pediatric Dentistry of Colorado Springs, for their outstanding dedicatio and service helping those with disabilities in our community. RSVP prepayment required due to limited seating $40.00/ person via www.cpappr.org PayPal *donate* button or send check to: CPACS 1322 N. Academy Blvd Ste 115 80909 Please include Names of attendees and any dietary restrictions in comment area

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BODIES IN CONFLICT

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hen ones speak of beliefs or belief systems, many times they assume those beliefs are something positive. When Tai Yi practitioners talk about beliefs, they are referring to painful thought forms. There is a distinct difference between beliefs and knowingness. Knowingness or a knowing system is held within the heart (unconditional love). A belief system is held within the mind that does create pain. If people knew exactly what their painful beliefs were, then people would be able to heal them and let go of the pain. Pain is not normal, though common.

This is a festival dedicated to youth empowerment. There will be music, dancing, exhibits, and Arts & Crafts Festival, the Mayor’s Dinner and a proclamation declaring April 28, Youth Empowerment Day. Also, the PALMER LAKE YOU GOT TALENT finals will be held and the Youth Empowerment Awards 2012 will be announced. This is an amazing event.

The way to know the difference between a belief and knowingness is to ask whether a particular thought form creates pain. That pain can be selfdoubt, self-judgment, lack of self-compassion, lack of self-integrity, self-punishment, anger, depression, shame, and a lack of passion for life. Knowingness creates a sense of joy, lightness, and passion for life, continued excitement, self-love, and self-acceptance. A knowingness encourages a person to live his or her pathway with integrity and passion, whatever that pathway is.

YOUTH EMPOWERMENT AWARDS 2012 Palmer Lake Town Hall - Mayor’s Dinner April 28, 2012 6-8 pm Do you know a youth or young adult in the Palmer Lake or Monument area that is exceptional in the community? If so, submit your nomination to our Youth Empowerment Award Nomination at familynation.net and tell us why we should recognize this individual for the “Youth Empowerment Award 2012,” during the Mayor’s dinner at the “Youth Empowerment Festival 2012” on April 28, 2012. We want to hear from you.

The point of Tai Yi is to assist a person to understand and to heal painful issues. Tai Yi speeds up the process of healing, never replaces the process, but speeds it up. Beliefs get in the way of healing. Beliefs are held within the conscious, unconscious, and subconscious mind.

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They are thought forms that can superficially change. That means a child can develop a belief that she or he is not good enough because a teacher or parent or other person told that child she or he was bad and wrong at some point. If the child accepted that statement of bad and wrong, then she or he will form a belief around it. From a child’s perspective the belief can manifest differently than how an adult may see the belief manifest. Essentially, the belief remains, but on the surface can seem to change. That way, the belief remains intact and keeps the person in a state of pain-obviously or subtly. When a person holds onto painful thought forms or beliefs in the mind, the mind becomes stagnant and essentially contaminated with those beliefs. The mind then directs commands to the brain. The brain directs commands to the body. The body then can manifest different symptoms; such as heart disease, headaches, low immune system (3 or more colds a year), cancer, lung issues, nerve issues, autoimmune disorders, and many more. The body cannot become sick unless the brain is sending commands to do so. The brain will not send those commands unless the mind is telling to do so. The symptoms will vary based on how toxic the beliefs are, how long they’ve been present, and the person’s genetic predisposition. A Tai Yi treatment that assists with understanding and healing toxic beliefs and physical toxins is Bodies In Conflict. This treatment is for those who have beliefs that conflict with their knowing system and the body then becomes a magnet for toxins (from foods, air, and water). Following the treatment, the person can expect to feel a release of toxins through body fluids. This depends on the person’s level of beliefs and their willingness to heal.

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ast week, The Record Room debuted in glorious fashion. People from all over the TriLakes area and those from Colorado Springs gathered in the small east room of Pinz Bowling Center to listen to great live music from local artists. Matt, Miles, and Reilly performed after The Hopeful Heroines, neither to be outdone, giving a unique and memorable performance on the rooms “opening night”. The coffee (provided by local-stop ‘Coffee on the Go) was good and the music was sweet.

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This week, Pinz and The Record Room invite you to see more great acoustic performances when Jeremy Facknitz and Emily Knurr take the stage. It will be Thursday at 7pm in the most eastern

to hang out, play records, read books, use our wifi, or play games at anytime during Pinz business hours. There’s a sorted library of old vinyl along with a record player open to the public at all times. You can even bring in your own records and enjoy the warmth not offered by digital download. For those looking to catch a break and relax, there are books and magazines, and even checkers. Top it all off with a cup of fresh coffee and oh my, what a day you’ve had. For more information on the newly built ‘Record Room’, call us at Pinz at (719) 487-7469. Artists looking to perform at the room can email their music links and contact info to LaikaLott@Gmail. com

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Celebrating 12 Years in Palmer Lake • (719) 487-8020 • 91 Hwy. 105 • Palmer Lake

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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

SCIATICA: BIG NERVE CAN BE BIG PROBLEM DEAR DR. DONOHUE: I am a 78year-old woman, and five months ago I came down with sciatica in my left leg underneath the buttock. It’s very painful. I’d like to know if there is something that can be done. -- S.M. ANSWER: The sciatic (sigh-ATTIC) nerve is the body’s longest and largest nerve. It springs from nerve rootlets that emerge from the spinal cord in the lower back. Those rootlets intertwine to form this big nerve. It travels from the back, through the buttocks and down the leg to the foot. Anything that presses on or irritates the nerve in its long course gives rise to sciatica (sigh-ATTIC-uh), painful inflammation of the nerve. A bulging back disk can press on the nerve. Arthritic spurs on the spine are another source of irritation. A collapse of a backbone from osteoporosis is another trigger for pain, and the pain can be in the lower back, the buttocks or down the leg to the foot. Have you tried Tylenol (acetaminophen) for pain relief? Aleve, Advil, Motrin and the many other nonsteroidal anti-inflammatory drugs dull pain and quiet inflammation. Icing the painful back area for 10 to 15 minutes three times a day is another way to numb pain. If ice doesn’t work, turn to heat -- hot compresses or a heating pad. Stretching the back might take pressure off the nerve. Sit on a firm chair with feet on the floor and knees shoulder-width apart. Turn slightly to the left. Then, with

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your right arm dangling down between the knees and left arm dangling down on the outside of the left knee, bend down to the floor as far as you can and hold that position for five seconds. Straighten up and reverse the process by turning to your right and arranging your arms with the right arm outside the right knee and the left arm between the knees. If this exercise hurts, stop. If it doesn’t, perform five bends each, to the right and then to the left. Do the exercise three times a day.

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Five months is a long time to put up with back pain. I’m not sure if self-treatment will do much for you. You need a doctor’s intervention, along with physical therapy.

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The booklet on back pain delves more deeply into its causes and treatments. To order a copy, write: Dr. Donohue -- No. 303W, Box 536475, Orlando, FL 328536475. 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. ***

Robyn Graham, RMT 719-216-4421

DEAR DR. DONOHUE: Some time ago, you answered a letter from an 80year-old lady who asked if she still needed to have mammograms. I say an unqualified yes. Two years ago, at the age of 82 1/2, my mammogram detected cancer. Surgery was followed by radiation. Two years later, I am feeling fine and doing well. -- A.S.

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

 

ANSWER: Experts argue about the value of mammograms late in life. Stories like yours make me side with those who promote having mammograms as long as a woman is in reasonable health. If a woman has an estimate of living at least four more years, mammograms are a good idea. *** 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.

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Sm. Squares • Lg. Squares • Rounds Alfalfa • Grass • Mixed • Straw

a connection plan that runs $35 a month. You can find information online at www.aetrex.com/gps or call 800-526-2739.

Specializing in Excellent Quality Horse Hay We Deliver

719-339-3525

There are additional devices available to make your life easier if you care for a senior with Alzheimer’s or any other condition where constant monitoring is essential.

‘GET SMART’ GADGET HELPS CAREGIVERS

C

aregivers for seniors with Alzheimer’s disease or dementia will applaud a new gadget that can help keep track of those who might wander: a shoe with a tiny global positioning satellite (GPS) tracker in the heel. Footware company Aetrex and tracking software provider GTX have put a lot of thought into both the shoes and the tracking capability. The leather shoes, for either men or women, are either lace up or strap. They look very comfortable, and come with two removable layers for a better fit. There’s a grooved polyurethane sole for traction. But it’s not cheap. The shoes alone cost $300, and the GPS requires

Back in 2009, a tracker was created that also uses GPS. Called the i-Tag (www.i-tag.biz), the little device is the size of a nine-volt battery. It can be programmed with a “geofence” -a set area that that you establish. If the wearer leaves that area, an alarm will sound.

• You may be surprised to learn that, according to the National Sleep Foundation, 33 percent of all preschoolers have a TV in their room, and 20 percent of infants and toddlers have one.

There also are locks that sound an alarm if a door is opened, alarm pads that sound an alarm if they’re stepped on and mini-cams that can help you keep an eye on a room from other parts of the house.

By Samantha Weaver

• It was 19th-century German philosopher, composer and poet Friedrich Nietzsche who made the following sage observation: “At times one remains faithful to a cause only because its opponents do not cease to be insipid.”

There are a number of tools that will make it easier on those who care for dementia and Alzheimer’s patients. It’s just a matter of finding what works best for you.

• Despite all the cartoons you’ve seen throughout your life, rabbits generally prefer greens to carrots, and mice would rather eat grains and fruit than cheese.

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.

• The area that is now the state of California had a population of about 700 in 1854. In 2010, the population had increased to 37,253,956. In the span of just over one and a half centuries, the population increased a whopping 53,000 times.

(c) 2012 King Features Synd., Inc.

• Rice paper is not made from rice. It’s made from the pith of the rice paper plant.

MILEMile HIGH HOLISTICS High Holistics 626 Hwy 105 HOLIDAY HARVEST Palmer Lake, CO IS HERE! 719.487.0901 719.291.3335 1/8ths or from $25 M-F 10-7, Sat 10-5, New $35 State Fee 01/01/12! New patients or renewals! Sun by Appt Call today for details.

WEDNESDAY

$5.00 Pre-Rolls All Day

*** Thought for the Day: “A committee is a cul-de-sac down which ideas are lured and then quietly strangled.” -- Sir Barnett Cocks

Black Forest Insurance

Mon-Sun 10-7

Buy 3 Edibles, Get 1 Free

• If you’re a schoolteacher in Arkansas, you should be aware of an arcane law there: If you bob your hair, you’ll be ineligible for a pay raise.

(c) 2012 King Features Synd., Inc.

NOW WOULD BE THE RIGHT TIME!

Starting 12/01/10...All are still 4 grams, but now 719.487.0901 MONDAY Pay It1/8ths Forward Mondays… justto $40! StopLighthouse by for moreainformation and incredible daily (Next the Colorado Donate Blanket or Winter Coat (clean & at Illumination Point) www.milehighholisti cs.com specials. Mention this ad for a free gift with purchase! good condition please), or 5+ canned goods & get a FREE pre-roll or edible!

TUESDAY

• If you ever make a trip to Italy (lucky you!) and visit the town of Modena, be sure to go to the bell tower. There you might see an item that is, to the best of my knowledge, unique in the world: a wooden bucket that started a war. In 1325 a group of soldiers from the then-city-state of Modena raided rival city-state Bologna and returned home with the bucket. Greatly desiring to get the bucket back, Bologna declared war. The war raged on for years, but Bologna never did get its bucket back.

HAVE HEALTH INSURANCE?

milehighholistics@gmail.com We Accept Credit Cards! 626 Hwy 105 Palmer Lake, CO

L.L.C.

7

Joan Vairin 719-495-3984 jvairin@msn.com


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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

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MOMENTS IN TIME THE HISTORY CHANNEL

(ASCAP) is formed. ASCAP collects and distributes royalties for copyrighted musical works. Today, ASCAP reports that it distributes more than $800 million in royalties annually to its members.

• On Feb. 16, 1848, romantic composer Frederic Chopin plays his final concert in his adopted city of Paris, 18 months before his death from tuberculosis at the age of 39. After fleeing his native Poland, he spent the rest of his life amid the high society of France.

• On Feb. 14, 1929, Sir Alexander Fleming, a bacteriologist, discovers penicillin. Having left a plate of staphylococcus bacteria uncovered, Fleming noticed that a mold, similar to the kind found on bread, had fallen on the culture and had killed many of the bacteria.

• On Feb. 19, 1851, an angry mob in San Francisco’s business district “triesâ€? two Australian suspects in the robbery and assault of C.J. Jansen. Vigilantes were fairly common during the Gold Rush boom in San Francisco, and they were so well regarded that they took over the Democratic Party in the late 1850s, and some became respected politicians.

• On Feb. 15, 1933, president-elect Franklin D. Roosevelt escapes an assassination attempt. Deranged, unemployed brick layer Giuseppe Zangara shouted, “Too many people are starving!â€? and opened fire with six rounds. Zangara’s extreme action reflected the anger and frustration felt among many Americans during the Great Depression.

• On Feb. 18, 1885, Mark Twain publishes his famous and controversial novel “The Adventures of Huckleberry Finn.â€? At the book’s heart is the journey of Huck and his friend Jim, a runaway slave, down the Mississippi River on a raft.

• On Feb. 17, 1966, Brian Wilson of the Beach Boys rolls tape on the first take of “Good Vibrations.â€? Six months, four studios and $50,000 later, he ďŹ nally completed his 3 minute, 39 second symphony, pieced together from more than 90 hours of tape recorded during literally hundreds of sessions.

• On Feb. 13, 1915, The American Society of Composers, Authors and Publishers

CUSTOMER APPRECIATION & 2ND ANNIVERSARY CELEBRATION!

We want to Thank all of you for supporting our small business for 2 years & counting! Come on in for free refreshments all week long!

Monday thru Sunday! Open Daily at 10am-ish

(c) 2012 King Features Synd., Inc.

8

Buy One Get One

z

Deals ALL WEEK! A new deal is offered each day 2/13-2/19! You MUST come into the store to discover the incredible Deal of the day! Deal will not be revealed by phone or other communication. Quantities are limited. See store for details.

251 Front Street in Monument

719.487.8817

RetroDryGoods.com


SNIPPETZ WEEKLY MAGAZINE ®

THE KITCHEN DIVA By Angela Shelf Medearis

CHIPPING AWAY AT CALORIES

I VALENTINE’S DAY FAT QUARTER FRENZY: Downtown Historic Monument – 273 Washington Street 719-375-3961 / www.craftylaine.com

SPICY KALE CHIPS If you don’t want spicy chips, leave out the cayenne pepper. The chips are still delicious!

absolutely love potato chips as a bedtime snack -- but they don’t love me. I’ve been exploring ways to make a healthier version of potato chips. As odd as it may sound, my Spicy Kale Chips recipe provides that crisp, salty taste and, best of all, it’s a healthy, guilt-free snack.

12 large Tuscan, Lacinto/Dinosuar or curly kale leaves 1 1/2 tablespoons olive oil 1 teaspoon salt 1 teaspoon black pepper 1/2 teaspoon cayenne pepper (optional) 1/2 teaspoon garlic salt (optional)

Kale is a non-heading, leafy wild cabbage. When selecting a bunch of kale, differentiate between varieties according to the low, intermediate or high length of the stem, with varying leaf types ranging from wavy to straight to bumpy or frilly.

1. Preheat oven to 275 F.

Kale is one of the oldest forms of cabbage and native to the eastern Mediterranean. Researchers believe ancient kale, Brassica oleracea, might have been grown as a food crop as early as 2000 B.C. Commercial kale crops are harvested between 40 and 55 days after planting, with new plantings every two weeks in order to provide yearround supplies. A cool weather annual, kale’s cold-hardy personality makes its flavor even sweeter after a light frost. It’s peak season is December through February.

10 FOR $20!!

Kale can be prepared like spinach (steam, blanche, braise or stir-fry) or as a snack, like my recipe for Spicy Kale Chips.

Kale is an excellent source of vitamin C and provides iron, vitamin A, calcium, magnesium, potassium, protein, carbohydrates and dietary fiber. One-half cup of chopped, steamed kale contains about 18 calories. At a minimum, include cruciferous vegetables like kale as part of your diet two to three times per week, and make the serving size at least 1 1/2 cups. Even better from a health standpoint, enjoy kale and other vegetables from the cruciferous vegetable group four to five times per week, and increase your serving size toAmerican 2 cups. Ale House

2. Wash kale and cut the leaves off of the big stems by sliding a sharp knife along the stem or taking the leaves off by holding the stem and pulling the leaves through your partially closed hand down the length of the leaf. If the pieces seem too big, tear them into chip size. The bigger the pieces, the longer it takes them to crisp up, but don’t make them too small or they might burn. 3. Place the kale in a colander, rinse with cold water, drain and shake off water. Roll the kale in a paper towel or a clean kitchen cloth to remove any excess water, as kale leaves are crispier when dry. 4. Put the kale in a bowl. Toss with olive oil, salt, pepper and cayenne pepper, if desired for spicy chips, until well coated. Arrange leaves in single layer on 2 large, rimmed baking sheets. Bake until crisp, about 20 minutes for flat leaves and up to 25 to 30 minutes for wrinkled leaves, checking after 15 minutes and alternating the pans from top to bottom to make sure the leaves don’t burn. Transfer leaves to a rack to cool. Sprinkle with garlic salt, if desired. Makes about 24 chips.

YOUNG STARS IN TRI-LAKES 31 Micro Brews On Draft! AND COLORADO SPRINGS 2 for 1 Pints! COMPETE AT Tuesday Nights On select Micro drafts Another Pint THE YOU GOT TALENT 2012

T

hey say a star is born every minute and for FamilyNation, finding young stars is just one way they labor to inspire local youth. This non-profit, community involvement organization invests in Colorado by providing grants, leadership opportunities and services throughout TriLakes, Colorado Springs and surrounding areas. The You Got Talent 2012, is their annual showcase designed to illuminate and empower talented youth, creating an opportunity to perform and compete in a variety of categories. On April 28, the would-be stars will step into the spotlight. As they take the stage, the crowd in the Palmer Lake Town Hall is sure to erupt with applause when David Mettler, MC, announces the winners. According to the group’s founder, Mattie Peltier, “...the show began as a way to encourage artistic expression, building self-confidence and personal motivation.” Everyone at FamilyNation is getting excited. “So far we have had a fantastic turnout, and we are thrilled.” says Patricia Mettler, President. “We have amazing judges and competitors.” Judges include Victor Carbonell, the Production Manager at Soteria Records, Lacie St Arnault, Magic 98.9 FM, Magic Mornings With Danger and Lacie, John Crist, Celebrity Comedian, Annie Gavin, Co-owner of A & A Entertainment,

@

Tom Dermody, Drummer for 5 Alarm Band and Brittney Geiser, Director at the Broadmoor Academy of Music.

*** Angela Shelf Medearis is an award-winning children’s author, a culinary historian and the author of seven cookbooks, including “The Kitchen Diva Cooks!” and “The Kitchen Diva’s Diabetic Cookbook.” She’s known as The Kitchen Diva and is the executive producer and host of “The Kitchen Diva!” cooking show on HULU.com. Visit her website at www.divapro.com.

$0.98 PBR Pints On Wednesdays!

Eating kale with fish, poultry and meats enhances iron absorption. Kale also loves the company of garlic, pork and ginger and is great in soups with potatoes, beans or barley. Caraway and fennel seeds en13860 Gleneagle hance kale’s distinct flavor. Add Drive to sal8 :00 am till at least pm,greens. 7 days a week! (c) 2012 King Features Synd., Inc. ads to accent the flavor of 9 other

Live auditions for the upcoming You Got Talent 2012 will be held February 17 & 18 at Pinz, 855 Hwy 105, Palmer Lake, CO 80133. Contestants, ages 6-24 are invited to demonstrate their talents in singing, dancing, instrumentals, comedy, drama, and anything else they can come up with. Auditions will be from 6-10 p.m. on Friday, February 17 and 4-8 p.m. on February 18th, with performances not exceeding three minutes. Video entries will also be accepted until March 3, 2012. Finals will be on April 28 at the Youth Empowerment Festival 2012 from noon until 4:00 p.m. with the winners performing that evening at the Mayors dinner in the Palmer Lake Town Hall.

www.asecondcup.net (719) 481-6446

All You Can Eat Crab Legs Thursday Nights

$5 Weekday Lunch Combos

All lunch combos are dine in only and served with soda, lemonade, or ice tea. Available at both locations.

$2.99 Breakfast!

Anyone interested in auditioning should go to familynation.net/ygt and submit an entry. The finals are open to the public starting at noon on April 28 at the Palmer Lake Town Hall. For more information on FamilyNation events, the Youth Empowerment Festival 2012, the Youth Empowerment Awards, Palmer Lake After Dark, You Got Talent 2012 and the Tri-Lakes/Colorado Springs Mayors Dinner, please go to our website at familynation.net or call 719-465-2001.

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

9


SNIPPETZ

®

DINING GUIDE

Spicy

FREE DRINKS

Asian Grill

FOR ZIP CODE 80132!

Also friends in zip code 80840 (AFA) and 80133 (Palmer Lake)!

BEER & WINE

That’s right, Locals Get a drink at Oakleys for FREE!

Buy 1 get 1 FREE

Beer, House Wine, or even a Mixed Well Drink!

Anytime of the Day!

It’s Our way of saying THANKS to the locals for 3 great years! Just present valid Colorado Drivers License with 80132 zip code

Expires 2/29/12

VALENTINE’S DAY SPECIAL

(Limit: 1 per resident, at least 21 years old. Limited time: Valid thru 2/30/12)

Serving Beer & Wine

FREE DRINK WITH ENTREE

Expanded Colorado Menu • More Steak Selections

(Offer Good for 2/14/12 Only)

Wednesday Fajitas & $2 Margaritas are Back!! Great Happy Hour Specials!

Basil

Best Breakfast on the Front Range!

Oakleys Café & Bistro @Sundance Mountain Lodge

Dine In • Take Out

Business Hours

~ Ask About Our Party Tray ~

Mon - Sat: 11:00AM - 9:00PM Sun: 12:00AM - 9:00PM

LET US CATER YOUR NEXT PARTY!

Tel: 719-488-9898 / Fax: 719-387-8923 562 W. Hwy. 105 • Monument, CO 80132

1865 Woodmoor Drive

(just above 105 where the view is great!)

(in the Safeway Shopping Plaza)

(719) 481-0808

West

Hwy 105 Spicy Basil

http://SpicyBasil.webs.com

Safeway 1-25

HAPPY HOUR Daily 2 - 5:30 pm

www.eatatrosies.com

COME JOIN US FOR THE NUGGETS, AVALANCHE AND COLLEGE BASKETBALL !

2 LOCATION ND

NOW OPEN!!

30 MINUTE CALL AHEAD SEATING!

481-1234

SHOPS AT VOYAGER

230 Front Street • Monument, CO www/lacasafiesta.net

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

Like us on Facebook / Twitter for Special Events & Offers

BUY ONE LUNCH

SERVING Breakfast • Lunch • Dinner

(11AM-2:30PM)

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. 02/29/12

(719) 481-3287

10

BUY ONE DINNER ENTREE

(2:30PM - close)

GET ONE HALF PRICE!

Valid anytime Monday through Thursday Please present coupon at time of order. One coupon per table only! Exp. 02/29/12


SNIPPETZ DINING GUIDE ®

Pizza • Pasta • Lasagna Salads • Sandwiches Beer • Wine

By Healthy Exchanges

GLUTEN FREE - Pizza, Pasta, Sauces Try Our Specials Tuesday through Thursday!

VALENTINE’S SUNDAE DESSERT BARS 18 (2 1/2-inch) chocolate graham crackers 4 cups sugar- and fat-free vanilla ice cream 1 (4-serving) package sugar-free chocolate cook-and-serve pudding mix 2/3 cup nonfat dry milk powder 1 cup water 1 teaspoon vanilla extract 2 teaspoons reduced-calorie margarine 1/2 cup miniature marshmallows 3 tablespoons chopped pecans 1/2 cup reduced calorie whipped topping 4 maraschino cherries, halved 1. Arrange 9 graham crackers in a 9-by-9 -inch cake pan. In large bowl, gently stir ice cream until slightly softened. Coarsely crush remaining 9 graham crackers and stir into softened ice cream. Spread mixture gently over graham crackers in cake pan. Cover and freeze while preparing topping. 2. In medium saucepan, combine dry pudding mix, dry milk powder and water. Cook over medium heat until mixture thickens and starts to boil, stirring constantly. Remove from heat. Stir in vanilla extract,

Tuesday - Friday 5 - 9 pm • Saturday 11:30 am - 9 pm 4 Hwy. 105 • Palmer Lake 719-481-3244 • website: http://www.bellapanini.com

Serving Anne & Mann’s Gourmet Ice Cream margarine and marshmallows. Drizzle hot mixture evenly over ice cream mixture. Sprinkle pecans evenly over top. Re-cover and continue to freeze for 2 hours or until firm. 3. Let set at room temperature for 10 minutes. Cut into 8 servings. To serve, top each with 1 tablespoon whipped topping and a maraschino cherry half. Makes 8 servings. • Each serving equals: 191 calories, 3g fat, 7g protein, 34g carb., 199mg sodium, 1g fiber; Diabetic Exchanges: 2 Starch/Carb., 1/2 Fat. (c) 2012 King Features Synd., Inc.

Columbine Gardens

O AS

N

Shakes • Malts • Cones

H T R

O -OP F D RE

E S O WE

E S E

SundaesTH• Banana Splits 27 Beer Floats HRoot C AR M Chicago Style Hot Dogs EN

IL Lake 24 Hwy. 105 in W Palmer

Bratwurst • Soups • Chili

Rock House Ice Cream

488-6917

CL

L

✰ AUTHENTIC SMOKED BARBEQUE ✰

Chinese Restaurant

SERVING DELICIOUS:

Locally-owned and operated. Serving the Tri-Lakes area for 21 years! 481 Hwy 105, #201, Monument (719) 481-2311 (719) 481-1936

Pulled Pork, Brisket, Pork Ribs, Chicken, Sausage, “Street Style” Tacos, 100% Chuck Hand Formed Burgers Beef Ribs Served on Fridays and Saturdays.

WE ALSO HAVE: 8 Sides to Choose from!

ASK ABOUT OUR SPECIAL!

Mon-Thu 11-9, Fri 11-9:30, Sat. 11:30-9

Starting Feb. 19 open Sun. 3:30-8:30

Where to check us out:

Sunday Special! FREE cheese wonton

In the Monument Plaza (Behind Rosies Diner)

DINE IN or TAKE OUT!

(719) 487-0471 WINTER HOURS:

11am -7pm / Closed Sun & Mon

TRY OUR DESSERT!!

Kids Menu Available! Gluten Free Menu! 4 Different BBQ Sauces Made from Scratch!!

Sun. only with $25 purchase. Exp. 4/30/12. 11


SNIPPETZ PUZZLES AND TRIVIA ®

Trivia Test

Sports Quiz

By Marge Svenson

1. MAPS: U.S. Interstate 10 ends in Los Angeles, but where does it begin on the East Coast? 2. SCIENCE: In 1959, physicist Richard Feynman was the first to propose what kind of technology (on a small scale)? 3. LITERATURE: What was Ernest Hemingway’s middle name? 4. MUSIC: What American folk-music group is famous for their song “Keep on the Sunny Side”? 5. MEDICAL TERMS: What is a more common name for the medical condition “pruritus”? 6. SPORTS: Where will the 2014 Olympic Winter Games be held? 7. ARCHITECTURE: What famous architect’s residence in Wisconsin was called Taliesin? 8. LANGUAGE: What are the comparative and superlative forms of the word “little”? 9. MOVIES: In “Cast Away,” what was the name that marooned actor Tom Hanks (Chuck Noland) gave the volleyball that washed ashore? 10. GEOGRAPHY: What is the capital of Brazil?

By Chris Richcreek

1. When Philadelphia’s Roy Halladay won his second Cy Young Award in 2010, he tied the mark for the longest gap between Cy Young Awards (seven years). Who else did it? 2. From 1986 through 2006, the San Francisco Giants had three managers. Name two of them. 3. In 2010, Ryan Mallett broke the University of Arkansas record for most career TD passes. Who had held the mark? 4. How many times during his 31 seasons did the NBA’s winningest coach, Don Nelson, lead a team to the playoffs? 5. Who were the last two remaining active NHL players to have played in the 1980s? 6. How many times did the Japanese women’s soccer team fail to beat the U.S. before defeating the American team in the 2011 World Cup final? 7. In the final race of his career in 1920, Man o’ War defeated the 1919 Triple Crown winner in a match race. Name the losing horse.

(c) 2012 King Features Synd., Inc.

(c) 2012 King Features Synd., Inc.

1. Which Jo Stafford hit from the 1950s netted her a No. 1 slot on charts in both the U.S. and U.K.? 2. Who is Andrew Loog Oldham? 3. Name the group that had a Top 10 hit with “Livin’ Thing,” and give the decade. 4. Which group released “Day After Day,” a song covered by Rod Stewart 35 years later? 5. What was Lou Reed’s first solo release? What was the name of the band he left? 6. Which girl group had a hit with “Eternal Flame,” and when? (c) 2012 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 (13).

By Sam Struckhoff

New DVD Releases for Week of February 13, 2012 PICKS OF THE WEEK “The Rum Diary” (R) -- Adapted from an early novel by madman journalist Hunter S. Thompson, this romp doesn’t seem to live up to the absurdity of its story and characters. Johnny Depp plays Paul Kemp, an American writer who dives into the lush paradise of 1960s Puerto Rico with the intention of becoming a respected newsman at a local paper. An American big shot (Aaron Eckhart) picks Kemp to polish the story of his shady land

deal. Things (are supposed to) kick off when Eckhart’s blond bombshell of a fiancee takes a keen interest in the journalist, who already has his own ideas about how to portray the hungry capitalists circling the island. What was shaping up to be a wild ride of debauchery and righteous anti-imperialism never hits full speed. The plot plods along as even the most outrageous acts of Kemp and his fellow burnout journalists seem tamed by lazy filmmaking. “Paranormal Activity 3” (R) -- The franchise jumps into prequel mode and takes the found-footage poltergeist story back to 1988. Like the previous films, this one takes the angle of homemade tapes made by a family trying to catch a glimpse the thing that goes bump in the night. Though there’s only so much gas left in the tank at this point in the series, “Paranormal Activity 3” produces the startling jumps and creepy chills that audi-

ences come for. “Take Shelter” (R) -- This chilling drama about a man and his fears is quiet, slow, gripping and hard to forget. Curtis (Michael Shannon) is a husband and father in smalltown Ohio who starts having apocalyptic nightmares. The sense of dread seeps into his waking life as he quietly becomes obsessed with rebuilding an old tornado shelter in the backyard. Turmoil surfaces as his wife, his friends and his community start to doubt his sanity and his ability to care for his daughter. Shannon knocks it out of the park, playing a good man with a quiet demeanor who is unable to cope with what’s inside. The audience is pulled into his uneasiness as the man who is acting on intuition and compulsion goes further down the rabbit hole. “American Teacher” (NR) -- Through the lives of four different teachers, each encountering a career milestone, this documentary

12

examines the American education system as it stands today. Interviews with students, teachers and experts are supplemented with statistics and charts to paint a broad picture rooted in human stories. The view isn’t a rosy one; fundamental issues dog the system and leave some students tragically underserved. Anybody who wants to look behind the curtain at just what’s going on with our schools should pick up this heartbreaking documentary.

TV RELEASES “Family Matters: The Complete Second Season” “Beavis and Butthead: Volume 4” “Hawaii Five O -- First Season” [Blu-ray] “Storage Wars, Volume 2” “Overland Trail -- The Complete Series” (c) 2012 King Features Synd., Inc.


SNIPPETZ COMICS AND ENTERTAINMENT ®

HUEY’S PAGE

Answers & Solutions

TRIVIA TEST ANSWERS 1. Jacksonville, Fla. 2. Nanotechnology 3. Miller 4. The Carter Family 5. Itching 6. Sochi, Russia 7. Frank Lloyd Wright 8. “Less” and “least” 9. Wilson 10. Brasilia

FEBRUARY 13, 2012

SPORTS QUIZ ANSWERS 1. Atlanta’s Tom Glavine -- 1991 and 1998. 2. Roger Craig, Dusty Baker and Felipe Alou. 3. Clint Stoerner, with 57 (1996-99). Mallett finished with 62. 4. Eighteen times. 5. Mike Modano and Mark Recchi, both of whom retired before the 2011-12 season. 6. Twenty-five times. 7. Sir Barton.

FLASH BACK ANSWERS 1. “You Belong to Me,” in 1952. The song was originally written as “Hurry Home to Me.” 2. Oldham was the Rolling Stones manager from 1963 to 1967. Although only 19, he had the brilliant idea of keeping custody of the master tapes and leasing them out for bigger profits. 3. Electric Light Orchestra (ELO) in 1976. 4. Badfinger, in 1971. The single from their “Straight Up” album and went to No. 4. 5. “Walk on the Wild Side,” in 1971, was Reed’s first solo single after leaving The Velvet Underground. 6. The Bangles, in 1989. The song was No. 2 for the year, behind Madonna’s “Like a Prayer.”

LIBRA (September 23 to October 22) A problem delays the recognition that you hoped to receive for your hard work. But all will soon be resolved. Remember to make patience your watchword this week.

ARIES (March 21 to April 19) You don’t like rejection. But instead of trying to “ram” your ideas through to an unreceptive audience, stand back and wait for a more favorable environment later this month.

SCORPIO (October 23 to November 21) Those wonderful ideas could expand your workplace prospects and ultimately lead you on a new career path. Your personal life also opens up new vistas.

TAURUS (April 20 to May 20) Job commitments call for the tidy Taurean to charge into those problem-plagued projects and get them into shape. Then go ahead and enjoy the fun and friendships of your expanding social life.

SAGITTARIUS (November 22 to December 21) So much seems to be swirling around you these days that you might find it hard to focus on priorities. Best advice: Take things one at a time, and you’ll get through them all.

GEMINI (May 21 to June 20) The pressures of the workplace are beginning to ease. While you still need to stay connected to your ongoing commitments, you’ll be able to take more time to relax with family and friends. CANCER (June 21 to July 22) You might feel that you need to prove how much you can do. But be careful not to take on more than you can handle, or you risk being bogged down. An Aries has a message for you. LEO (July 23 to August 22) Financially it could be a little tight for a while. So resist the urge to splurge on things you don’t really need. There will be time enough to indulge yourself when the money squeeze eases later this month. VIRGO (August 23 to September 22) You demand trust from others. But someone is creating a situation that could put your own trustworthiness in question. Be sure to keep all lines of communication open.

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CAPRICORN (December 22 to January 19) Work out situations with what you have, and avoid the temptation to create complications where they don’t exist. This applies both at home and in the workplace. AQUARIUS (January 20 to February 18) Keep your keen senses open to possible changes in personal and/or professional situations. Knowing what might lie ahead gives you an edge on how to handle it. PISCES (February 19 to March 20) Personal pressures at work could create a problem with your performance. Best advice: Focus on the job ahead of you. If necessary, you can deal with the other issue later. BORN THIS WEEK: Like your fellow Aquarian Abraham Lincoln, you have a way of handling the most difficult situations with grace and conviction. (c) 2012 King Features Synd., Inc.


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Things to do on the Internet Series 3, Article 3

Make a tornado in a bottle or an Alka-Seltzer rocket. Make your own rain stick, or hovercraft! Make a quarter vanish, a magnet buzz or a bottle burp. www.weirdsciencekids.com/ sciencevideos.html Here’s a great website to learn how to walk on eggs, or put a skewer through a balloon. There’s even a video that shows parents how to help their children create a Science Fair Experiment that goes way beyond the “Wow-Factor”. www.stevespanglerscience.com/ video Joey Green’s Mad Scientist Experiments. These experiments will keep kids and adults alike entertained for hours! Make a rubber chicken bone, underwater fireworks, an electric lemon, quicksand, or get “green” and make some recycled paper! www.wackyuses.com/ madscientist.html Science Bob does crazy experiments for your enjoyment. By the time you watch these videos, you’ll know how to build a lava lamp, grow crystals, make slime, and create a volcano....this video shows you how to make a

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Fun Scientific Experiments

Here are some great resources for parents and teachers to show kids how to experiment with science. The experiments on these websites are considered safe by the websites that list them, but make sure your children always have parent supervision...if only to cut down on the mess they could cause. Your kids can use these science experiments for “Show-and-Tell”, extra credit in Science Class, or just to entertain their friends and family!

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volcano correctly so it doesn’t blow up all over the kitchen like in the movies! www.sciencebob.com/ experiments/videos/

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Learn interesting science facts by experimenting with different materials that react in surprising ways. Also, make a rainbow, make a straw bend and make snot and gross out your friends! www.sciencekids.co.nz/ experiments.html

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ScienceHack provides science videos of real scientific experiments. The videos are screened and approved by scientists. The categories include Physics, Chemistry, Space, Psychology, Robotics, Biology, How It Is Made, Mathematics, Civil, Engineering, Computer Science, Green Energy, Nature. www.sciencehack.com Ever wonder how the ancient Romans fed their armies? What the pioneers cooked along the Oregon Trail? This isa fascinating timeline showing when foods were first introduced in the world. www.foodtimeline.org Test your knowledge with About.com’s Chemistry, Science and Scientific Trivia Quizzes. Did you know you can make your own PH Paper Test Strips out of cabbage! There is also an entire tab dedicated to Science Fairs -- “How to come up with Original Ideas”, and “Important Steps of a Science Fair Project” www.chemistry.about.com/ Fun Science Facts you probably didn’t know: www.hightechscience.org/ funfacts.htm Tune in next week for: Incredibly Fun Interactive Websites!

Find all past articles at www.WebChatbyRobyn.com

This article is 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 BUSINESS, FINANCE & LAW

Lisa Welch Stevens Attorney at Law, P.C.

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

FINDING LOWER-RATE CREDIT CARDS

It’s likely that a credit union will be your best bet for a credit card you’ll want to keep long term. The National Association of Federal Credit Unions [www.nafcu.org] wrote in a recent news release that credit unions have an upper limit of 18 percent for both credit cards and loans. Their average credit-card interest rate is 12 percent, with some as low as 9 percent. When it comes to fees, credit unions are generally much lower. Credit unions are not-for-profit, so they’re not out to charge a fee for every loophole they can get away with. You’ll find ATMs, good service and a friendly staff because as an account holder, you are a member-owner. If you want to look for credit unions you’re eligible to join and see a comparison between their rates and banks, go online to www.culookup.com. (Tip: On the lookup screen, it asks for your whole street address. Don’t give it. You’ll get just as much information by putting in just your ZIP code.) You’ll be shown a map of credit unions in your area. On the left side, click on Compare CU Rates for comparisons on nearly any financial product: car and boat loans, adjustable- and fixed-rate mortgages, money-market accounts, credit cards and certificates of deposit. The site also has a number of calculators for home, credit, retirement, savings and auto.

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TEN FACTS FOR MORTGAGE DEBT FORGIVENESS

to $2 million of debt forgiven on your principal residence. The limit is $1 million for a married person filing a separate return.

T

he following is a partial reprint from the IRS Tax Tip 2011-44, March 3, 2011 article-

If you are a homeowner whose mortgage debt is partly or entirely forgiven during tax years 2007 through 2012, you may be able to claim special tax relief and exclude the debt forgiven from your income. Here are the facts1. Normally, debt forgiveness results in taxable income. However, under the Mortgage Forgiveness Debt Relief Act of 2007, you may be able to exclude up

2. You may exclude debt reduced through mortgage restructuring, as well as mortgage debt forgiven in a foreclosure. 3. To qualify, the debt must have been used to buy, build or substantially improve your principal residence and be secured by that residence, including refinanced debt. 4. Proceeds of refinanced debt used for other purposes – for example, to pay off credit card debt – do not qualify for the exclusion. 5. If you qualify, claim the special exclusion by filling out Form 982, Reduction of Tax Attributes Due to Discharge of

Remember: Don’t cancel your other credit cards if you take a new one for a better deal. Bring the balance to zero on old card, and then let the card sit unused. Your credit score is partially determined by the total amount of credit available to you versus the percentage of that amount you have used. If you have an unused card with a $10,000 availability and you cancel that account, the percentage of your total availability drops. As the percentage of credit you use rises (after you cancel a card), your credit score drops. Keep your percentage under 30 percent. David Uffington regrets that he cannot personally answer reader questions, but will incorporate them into his column whenever possible. Write to him in care of King Features Weekly Service, P.O. Box 536475, Orlando, FL 32853-6475, or send e-mail to columnreply@gmail.com. (c) 2012 King Features Synd., Inc.

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Indebtedness, and attach it to your federal income tax return for the tax year in which the qualified debt was forgiven. 6. Debt forgiven on second homes, rental property, business property, credit cards or car loans do not qualify for the tax relief provision. In some cases, however, other tax relief provisions – such as insolvency – may be applicable. IRS Form 982 provides more details about these provisions. 7. If your debt is reduced or eliminated you normally will receive a year-end statement, Form 1099-C, Cancellation of Debt, from your lender. By law, this form must show the amount of debt forgiven and the fair market value of any property foreclosed.

More information on mortgage debt forgiveness can be found at: www.tinawatsoncpa.com/blog. Next week we’ll review the marriage penalty. Tina Watson is a Certified Public Accountant in Gleneagle. You can contact her at tinawatsoncpa@gmail.com or visit her website at www.tinawatsoncpa.com.


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